BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe -- The accounts below hould not be reporting on my credit reports by law : XXXX ( Account numberXXXX ) opened XX/XX/2019 DISCOVER BANK ( Account number-XXXX  ) opened XX/XX/2019 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I transferred the full balance on this credit card to another lender who paid the last bill in full. Now the bank ( Truist ) is charging me {$31.00} interest on a XXXX balance. 
When I called them they stated to me I had not been making payments but that is not correct. In the past 90 days I sent them the following pymts : I paid {$150.00} with check # XXXX, on XXXX. 
I paid {$140.00} with check # XXXX on XXXX. 
I paid {$150.00} with check # XXXX on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Im filing this complaint against XXXX XXXX XXXX Servicing On XXXX XXXX i contacted XXXX XXXX XXXX XXXX in which XXXX picked up the phone. I asked XXXX did I have an over draft on my account in which she stated no. So on the XXXX XXXX i wrote them a check for XXXX and on XXXX XXXX i got a letter from Bay view saying there was an over draft on my account after i wrote the check on the XXXX. So on XXXX XXXX they sent the check through for XXXX dollars but on XXXX XXXX they charged my account for XXXX which made a grand total of XXXX. I contacted XXXX XXXX on the XXXX and talked to XXXX and which she stated XXXX XXXX was in charge of doing things. I talk to XXXX on the XXXX and he said i would have my money back friday or Monday and here it is Tiesday and i still didnt receive my money. The lady i talked to gave me a tracking number for fed x but the tracking number do not go to anything it says a label has been created but has not move towards my door.They charged my account for XXXX dollars and XXXX XXXX will not return my calls I do not know his position but its not profressional for him to do that. Bay view owes me a total of XXXX XXXX dollars for the check and XXXX dollars in over drafts. I live from check to check and Friday morning i had XXXX dollars in my account i have been broke all week. XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have included details but concern is that Truist is violation Regulation E, False Provisional Credit Letter and Delays in processing, show different data on my account online vs what they XXXX internally. Do I need a lawyer to get this account cleared up? 

XXXX XXXX XXXX : XXXX. On XX/XX/XXXX reported Fraud on CC for Transaction XX/XX/XXXX XX/XX/XXXX XXXX XXXX* XXXX XXXX - XXXX XXXX XXXX NY {$87.00} Was advised that the Card would be closed and a New Card Issued. 
XXXX. On XXXX reporterd another Fraud on CC for Transaction XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX NY {$3000.00} Was advised it has been reported and I asked where my replacement card from XX/XX/XXXX would be received. They indicated there wwe no card ordered on XX/XX/XXXX and would do one and I would get it in XXXX days. 
XXXX. Various communications between XXXX and XXXX XXXX. XXXX - emailed XXXX XXXX to advise indicate that the new card received was being rejected by all uses. 

XXXX. XXXX Tried to use the card and received a FRAUD ALERT Email to XXXX XXXX - Update on your XXXX XXXX XXXX - Reference Number XXXX XXXX. Various communications between XXXX and XX/XX/XXXX XXXX. XX/XX/XXXX Email to XXXX XXXX on Interest charge Received on the above XXXX Fraud reported Transactions of $ XXXX responded Let me find out what is going on and I will call you today. 

XXXX. XXXX requested by XXXX XXXX, Client Frontline Support, Client Escalations and Solutions XXXX to send her copies of Statement, and letters received acknowledging fraud under review. 

XXXX. XXXX Reported to XXXX XXXX that I received letter stating that Provisional credits issued that were previously issued are permanent and reported that I HAD NEVER RECEIVED ANY PROVISIONAL CREDITS. 
Also asked about why Truist had not stopped my liability on Regulation XXXX and never responded to this statement. 
XXXX. XXXX - Called by XXXX in the XXXX XXXX Department that they have re-assigned my claim ( same claim XXXX XXXX ) based on my reporting the fraudulent letter of provisional credit of XX/XX/XXXX. They could not find the letter, could I send it to them. 

She indicated I could call XXXX for a status update at any time. 

XXXX. XXXX Received a email from XXXX XXXX that XXXX Details : Disposition Status : Research Resolved Disposition Comments : Claim has been escalated for review. 
Hopefully I will have an answer soon. 

XXXX. XX/XX/XXXX Sent email to XXXX XXXX that I just received another Interest charge ( {$51.00} ) on the XXXX amounts. I copied the statement in the email. 
Asked about how this Interest gets added to the Refund on the fraud claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX Acct # XXXX has violated my rights by reporting 30 days and 60 days late. 

XXXX Acct # XXXX, XXXX, XXXX has violated my rights for continuing to report a closed/settled account. 

USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX account that was under the Fair Credit Reporting Act and it was 7 years on XXXX delequiency in XX/XX/XXXX. I was also reported late in XXXX and XX/XX/XXXX. This should be deleted from my file. They are telling me XX/XX/XXXX it will be deleted. This is not accurate and they are extending the time. Both XXXX and XXXX deleted the XXXX. Please assist in removing these from my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
experians upload services do not function ... making it impossible to supply information pertinent to my dispute. 
please see furnisher cfpb complaint XXXX ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX IS ATTEMPTING TO COLLECT XXXX DOLLARS BUT HAVE DUPLICATED THE DEBT FOR YEARS AND GIVEN IT XXXX SEPARATE ACCOUNT NUMBERS AND THEN VERIFY BOTH DEBTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX lied about infomation on report and lied to exprion reporting agents and said thay new in fomation on me when thay lied to make exprion un block id theft block my name is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm disputing verification of Chapter XXXX Bankruptcy, I 'm informed that the credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be removed/deleted from all XXXX credit bureau 's, XXXX, XXXX, Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I have leased a vehicle XX/XX/2015 from an authorized dealer in the state of Nevada for a lease purchase of XX/XX/2015 XXXX XXXX for the total amount {$63000.00} and the lease for 39 months payments payment amount each month {$980.00}. After one year making payments requested a buy-out amount and the information received for the buy-out total {$63000.00}. I called Ally auto asking why is the buy-out same the original purchase price? There answer was the payment paid does not deduct from the lease amount. This was surprise to me and the lease residual is at 49 % of the purchase price which the lease payment considered as a rent payment. I 've had leases with other banks and never experienced this before which each payment you make it does deduct from the purchase price. Ally is refusing to correct based on the guidelines and lease practices. I am not able to exchange the car for a better lease terms and by trading the car for another lease loan I will be in upside down situation. Could you please help with this matter?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite previous written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX # XXXX has a false DOFD.THE CORRECT DOFD IS XX/XX/2010.ALL XXXX BUREAUS XXXX AND TU REPORT A DIFFERENT INCORRECT DOFD.ALL ARE ATTACHED TO VIEW THEIR RADICALLY DIFFERENT PAYMENT HISTORIES.ALL XXXX BUREAUS HAVE BEEN " VERIFIED '' RECENTLY WITH ALL DIFFERENT INFORMATION.WITH THE CORRECT DOFD OF XX/XX/2010 the account could be removed from my report now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented at the XXXX XXXX XXXX. Since I moved there it was nothing but problems. For starters the gate arm constantly kept falling and one day it fell on me so I went to XXXX because I was so paranoid and scared. I gave XXXX ahead of time and constantly had to deal with stress and nightmares about the gate arm because everytime I went in and out I was worried sick. I was worried that it might fall on top if me or my kids again. On top of that the ceiling and the walls leaked water after it rained. There were areas that looked moldy. There were many many issues and I couldnt deal living there anymore so I left. I now owe about XXXX because I left but who the heck can live in such a unsafe community? I got a lawyer and there was a settlement for the gate arm accident. I tried telling the community that I couldnt not be there anymore because of the ongoing issues the nightmares and the anxiety. I asked if my debt could be forgiven and I was told no. I was told I could pay 60 % if my debt. I said I barely have money Im a XXXX mom with XXXX kids struggling but I got the funds. I asked if I could have this removed from my credit which is my main concern and i was told no. I would only have a settled debt on my credit and it will remain on my credit. How is this fair when the only reason I left was because this place was unsafe to live at. I had continuous nightmares of the gate arm falling on top of me or my kids or the ceiling falling on top of me or my kids because of the ceilings and walls that were soft from getting wet all the time. They should be ashamed of them selves for renting out a place like that and having a gate arm falling all the time. I cant have this on my credit report XXXX a mom thats XXXX with XXXX  kids and only count on my income. I cant even rent a place now and we are probably going to end up under a bridge at this point if this isnt resolved. Please help this is unjust

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
During our investigation an XXXX employee ( Grant ) reported to us he could see that someone used an " XXXX sounding name '' with the initials XXXX to open up an XXXX XXXX account and use our credit card to purchase items during XXXX and XX/XX/XXXX ranging in price from {$120.00} to {$150.00}. He said that Wells Fargo should have been able to see the same information he could see within about ten minutes, or call XXXX to verify that the charges were not correctly authorized and were not made by us. He was surprised that WF had not done that already since we talked to him on XX/XX/XXXX and we had informed WF of the fraud on XX/XX/XXXX and WF had already denied our claims twice : on XX/XX/XXXX ( received XXXX ) and XX/XX/XXXX ( received XX/XX/XXXX ). Overall they charged about {$2400.00} on our card. 
We reported the fraud as soon as we recognized it, within days, we reviewed our statements going back for other fraud, we filed a police report, we talked with XXXX, we faxed additional information to WF, we set up fraud alerts on the credit agencies and reviewed our credit statements. We did all of this between XX/XX/XXXX and XX/XX/XXXX. In response Well Fargo has sent us the same message : " the charges appear to be valid and authorized by you '' even though we have proven to them ( which is not required by law ) that the charges are obviously invalid and not authorized by us. 
WF has denied our claim three times that the charges were fraudulent even though : an XXXX employee was able to identify the name used to authorize the charges was not our name and the address used to authorize the charges was not our address ; I have asked WF to provide all of the evidence they have used to say we authorized the charges twice and they have refused to proved that evidence ; WF have not admitted to working with XXXX or XXXX or law enforcement on this issue ; WF has not reported to us the address or name used to authorize the purchase or the exact items purchased or the shipping address the items were shipped to ; the law states that it is WF responsibility to prove that we have authorized the charges but they have refused to do so by choosing to blame their customer and are in violation of the law. 
Every time I've reported the fraud, Wells Fargo has only responded by letter saying something like " the charges are valid and appear to be authorized by you. '' They provide no rationale or reasoning for that opinion. The facts are those charges are not authorized by us and Wells Fargo has responded to their failure to notice and stop the fraudulent activity by violating the law and stealing from me, a customer of Wells Fargo since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief