BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
On XX/XX/23, 4 purchases made while playing XXXX XXXX ( a game on XXXX ) each in the amount of {$240.00}. Total amount {$990.00}. Although my credit card was charged 4 times, I did not receive the items purchased. 

I reached out to XXXX who stated they did not have any record of me making the purchases. I then reached out to XXXX ( the credit card processing company which is used for payment processing by XXXX XXXX ) and they did not respond after several attempts. 

I then reached out to Truist bank to dispute the charges on my credit card as the products were not received and the vendor confirmed no purchases were made. Truist declined the dispute. 

I then reached out again to XXXX who refused to refund the monies charged to my account even though the monies were not forwarded to the vendor. 

I reached out to Truist once again to reopen the dispute which was reopened and declined again. 

Today I contacted Truist and was informed that the dispute was declined as a result of the purchases were made through a third party. My purchases were made within the XXXX XXXX app which is directly from the vendor. 

I requested today that the dispute be reopened again by Truist and was denied the opportunity. 

Im at a loss of any next steps to obtain the monies for items purchased that were not received.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX 2. The following personal information is incorrect CURRENT ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The following accounts were closed by me and should state that XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. Validate And Verify debt XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The Original Creditor is Inaccurate Validate and Verify This Debt US DEPT OF EDXXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  has tried to get me to pay for a bill for XXXX XXXX for a few years now. The debt is not mine. They have put it onto my credit report 3 times by 3 different debt collection agencies. Each time I dispute the charge and it is immediately taken off my credit report because XXXX does not have the correct social security number. I have sent in packets that they have asked me to fill out 2 different times and each time its always some kind of hold up. Or I need to contact this department or that department. Its always a run around. As of right now if I go to XXXX I cant get any of there services because of this issue.

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 2023-10-28
Company: EQUIFAX, INC.
State: OR
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:
You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included in disputes letters attached below :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: MS
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:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. with accounts 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 Equifax XXXX XXXX XXXX XXXX XXXX Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NJ
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:
Dear [ CFPB ], I am writing to express my extreme frustration and disappointment with the handling of my account by the credit bureaus. Despite my repeated complaints and requests for assistance, the inaccuracies on my account remain unresolved. 
The credit bureaus claim that my account was properly investigated, but that is simply not true. The open date, date last active, and date last reported are all inaccurate and these inaccuracies are in violation of my rights under 15 U.S.C. 1681 section 602 A, which guarantees my right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 
I demand immediate action to rectify these inaccuracies and remove these accounts from my credit report. I have been patient and cooperative, but enough is enough. I expect a prompt resolution to this issue and an assurance that my rights will be respected in the future. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reached out to Experian on XX/XX/XXXX, XX/XX/XXXX, and today ( XXXX, XXXX 2022 ) about updating my personal information and they never responded or correct my info. I sent letters, I called, faxed, and I exhausted all resources and they are still not correcting my information. Can you please help me out. There are 2 addresses on my credit profile that are not mine.

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 2023-01-15
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. XXXX XXXX XXXX XXXX account. XXXX XXXX account. XXXX XXXX XXXX account. XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NC
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:
Equifax and XXXX! 

You have been provided identity theft documents and police report several days ago and failed to remove these from your credit files! 

I will sue you in court for failure to follow the laws Identity theft collections accounts : 1XXXX XXXX XXXX XXXX : {$1000.00} 2. XXXX XXXX XXXX : {$85.00} Remove immediately!

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: CA
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2019-03-18
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had made a mobile deposit using the Bank of the West App. The deposit was a money order for {$210.00}. I was informed by the Bank of the west contact center the first {$200.00} of the deposit would be available per the banks Any deposit checking account guide I was treated very rudely over the phone by the contact center. The contact center referred my call the the Branch in XXXX stating they would be the ones to fix the bank error. The branch refused and asked me why I would open a bank account with XXXX being so far from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, 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:
I wrote to each bureau on XX/XX/21 and as of today over 50 days later I have not received any notification of investigation. I feel like Im on a hamster wheel being transferred to someone else every time I called. I recently pulled my report and noticed a few inaccurate items, in my research I saw it is illegal to report inaccurate items per FDCPA. I also learned that my information was compromised by the Equifax data breach. Now more than ever I believe my information may have fallen into the wrong hands. Your timely assistance in this matter ill be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, someone hacked into my Chase checking account and used XXXX with XXXX to send {$1900.00} to a new unknown recipient " XXXX XXXX '' at XXXX with XXXX address XXXX. 

On XX/XX/2019, someone hacked into my Chase checking account and used XXXX with XXXX to send {$1900.00} to the same recipient and email with XXXX address XXXX. 

On XX/XX/2019, someone hacked into my Chase savings account and transferred {$1000.00} to my checking account with XXXX address XXXX. On the same day, someone hacked into my account and used XXXX with XXXX to send {$1900.00} to the same recipient and email with XXXX address XXXX. 

I did not receive a notification for any of the XXXX fraud transactions. I was advised by Chase 's XXXX XXXX XXXX that any transactions with XXXX with XXXX to a new recipient or above {$1900.00} should be red flagged, and their fraud team should have to approve the transactions, or send me a notification. 

I first learned about the problem when I received an XXXX Funds notification from Chase on XX/XX/2019. I reached out to Chase immediately and they opened a fraud claim for me. 

On XX/XX/XXXX, I learned that the claim was denied. Chase said the transactions were legitimate because they were made via a local XXXX address. I was able to escalate the claim to Chase 's XXXX office, and Chase reopened the claim. A week later, Chase reached out to let me know that they had come to the same decision that the transactions were legitimate. They had not done any additional research to come to this decision - they had just repeated the research that the fraud team did initially. Chase then told me that I would have to provide my own evidence to prove myself innocent in order to get the case reopened. 

I compiled all my records in order to try and find evidence that would prove my innocence. I called Chase on XX/XX/2019, to ask questions regarding transactions on my account, in order to obtain details that may lead to evidence to help my case. It was during this phone call that the fraud team told me that the case was permanently closed and there was no way to open it again. 

I am trying to get my money back from the fraud charges. XXXX with XXXX has led to multiple fraud transactions for people all over America, and banks are not protecting their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reported account as late XX/XX/23, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/23 late payment still appears on all three credit reports ( XXXX, Equifax and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: LA
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:
After doing my taxes last year I discovered there was a credit card opened in my name. I have never had a credit card until recently. The credit card in question was opened in 2011.. ( I was in high school at the time ) with XXXX XXXX. 
After a year of reporting and dealing with credit agencies ( successfully put a 1 year fraud alert through Experian ), I filed a police report this past XXXX. I decided to file a police report because through my credit score I discovered that the credit card is still open and active. 
I have now been dealing with XXXX XXXX Fraud Department. They said there is no account with the info I provided, yet still the account is affecting my credit score ...

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 2021-03-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have completed a transaction with PayPal on XXXX XXXX, 2020. PayPal is holding on to my money and char4ged a transaction fee and still holding g on to it. 

In the mean time they charge me interest on their credit card. 

They hold on to my money with impunity Most unscrupulous company They waste time sending all calls to XXXX Paypal id : XXXX Every time I call they give me a hold time of 7 hrs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 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 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-08-11
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After obtaining my credit report from each of the bureaus i noticed inquiries that were not made by my or authorized. On XXXX XXXX I contacted Equifax and was not only belittled by the representative asking if i knew where America was. After 21 years in the XXXX that was offensive. Asked to speak to a supervisor and got the run around and someone else who could not understand what I was saying. 
I had filed online dispute for the inquires not mine or unauthorized and placed an alert on my file about the following Inquires. 
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  Same day I received dispute results and only had a statement that it was factual. On the dispute letter from Equifax, it states i have the right You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. 
Today XXXX XXXX i tried to be reasonable and call and talk to someone and same thing was not getting anywhere, and the representative seemed to not understand what I was saying I asked to talk to a supervisor first i was hold for 10 minutes and he came back trying to tell me how to file a dispute. I asked to talk to a supervisor again as we were not getting anywhere, and the representative hung on me.

Company response to consumer: Closed with explanation