BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Case : Truist Bank versus Customer During the month of XXXX, an unexpected issue arose involving my rent payment. This problem occurred around the holiday period. On XX/XX/XXXX, I took care of all my financial obligations as per my routine. However, this month, unlike the usual scenario, my landlord did not provide me with a payment confirmation. This led me to believe that the initial payment had not been successful, thus, I initiated another rent payment. Unfortunately, there was still no confirmation. It was after the XXXX of XXXX holiday that I noticed a double payment had been processed from my account. 

In response to this, I reached out to the representatives at Truist Bank. I had hoped that they would assist me in resolving this issue. However, when I contacted them the following day, the representative I spoke to claimed there was no record of my previous call. 

I pleaded with Truist Bank to either halt any future payments or to refund the overdraft fees while I sorted things out with my apartment management. Regrettably, they declined. The fallout from this misunderstanding left me with {$240.00} in overdraft charges. What's even more troubling is the fact that these charges appear to have been imposed multiple times on the same day, specifically XX/XX/2023. 

Despite my additional attempts ( two more, to be precise ) to reason with the bank and plead for at least a partial refund of the fees, they remained unyielding. I find the imposition of these overdraft fees to be predatory, especially since I had requested a halt to the payments.

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 2022-12-13
Company: EQUIFAX, 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:
A XXXX XXXX XXXX account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
I just recently checked my credit report and notice fraudulent accounts on it that I did not open. I filed an identity theft report that I will attach to this message. Please delete these accounts from my credit report. I did not authorize them or open them. Thank you.

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 2023-08-04
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:
I need you to attend the following shown items in this letter which contains date taken directly from my credit report which you have provided. 

XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. # 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2022-02-28
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : Relevant history concerning my dispute with XXXX and Contract Callers , Inc. 

XX/XX/XXXX Order placed online for 80 gallons. ( Reference number XXXX ) XX/XX/XXXX Email notification of a duplicate order placed. I called to report the duplicate and this was corrected. XXXX received payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX Order delivered. 

XX/XX/XXXX Began detecting odor. Suspected leak. XXXX promptly came to remove the tank and all propane from the property. I do not have the exact date, but it was a Friday evening when the tank was removed. 

Over the course of several months, I placed numerous calls with various representatives about our replacement tank and propane. Eventually, customer service suggested I place a NEW order for propane, which I did on Friday, XX/XX/XXXX. 
The order was moved to expedited delivery at no charge with an apology for the long delay. ( Sales Order Created XXXX ) XXXX representative by phone acknowledged that it was in their records that they removed a full tank of gas as well as a leaky tank and that this gas had already been paid in full. The representative stated clearly that we would get an invoice within ten days that noted a credit on our account. 

XX/XX/XXXX Replacement tank and gas delivered. 

Invoice appeared with a date date of XX/XX/XXXX, XXXX with no mention of the credit. When I called to correct the record, there was no record of the leaky tank, no record of the removal of a full tank of gas. 

I promptly requested to close my account and I was told it would be closed on XX/XX/XXXX ( order XXXX ). 

From the time I opened my account in XXXX, business protocol and communication failed significantly. Calls had been outsourced out of the country, there was no way to speak to a local representative, and every person I was in touch with claimed to have no knowledge or access to any of the notes that previous customer representatives claimed to be taking. 

I filed an official complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 

I first disputed this debt with Contract Callers on XX/XX/XXXX ( XXXX XXXX. ) A copy of these notes has been provided to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 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 2023-08-04
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: Account status incorrect

Complaint:
i notice there is a lot of inquiry that i didn't authorization. and other company my credit without permission and lowering my credit limit. only inquiry i approved is the ones that associated with my open accounts. it's impacting my credit and my life.

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 2022-02-28
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was sent a XXXX payment yesterday ( XX/XX/27 ) in the amount of {$1000.00}. The sender 's checking account was debited and my receiving XXXX email address was entered correctly. I have still not received the funds in my Truist checking account or received any notification that the funds were received. 

It is impossible to reach anyone at Truist by phone, messaging app or email due to the botched merger that have left many customers in the lurch. A review of recent XXXX activity shows multiple customers not receiving XXXX payments starting one week ago.

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 2022-12-27
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX closed account on XX/XX/2022 due to a {$40.00} returned payment. This payment was re-tried after the account was closed, and successfully debited but the creditor refuses to change the account status. Creditor stated an earlier returned payment from XX/XX/2022, a period in which I was changing bank accounts. This payment was promptly corrected, for a different amount, as was the {$40.00} amount cited in the letter sent by a " corporate specialist '', which cited an obscure clause of terms of services that I have never seen in any documentation provided by the company. The same person cited a clause about " default '' when referring to " returned payments ''. These two are not the same things. I have never default on this or any credit account and never have I missed a payment. Reported behavior to the XXXX XXXX XXXX and will spread the word about their predatory business practices.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed the accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$36000.00} ; XXXX XXXX XXXX : {$36000.00}.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: WA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

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

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 2023-03-18
Company: EQUIFAX, 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:
The address XXXX XXXX  is inaccurately reporting on my credit profile which is a violation of my consumer rights. The correct address, attached, is not on my profile. This needs to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CITIBANK, N.A.
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:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY CITI CARDS/CITIBANK Account XXXX XXXX {$300.00} Balance po box XXXX, XXXX XXXX SD XXXX Phone Number ( 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 XXXX Account # XXXX, has violated my rights. 

XXXX5 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 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 2023-08-03
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: Information belongs to someone else

Complaint:
Two accounts showing from XXXX appear on my credit report. I have NEVER had an account with XXXX XXXX other than a XXXX XXXX XXXX. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email.

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.

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 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One Venture X charges an annual fee of {$390.00} that can be offset annually with the {$300.00} Annual Travel Credit ( Receive up to {$300.00} back as statement credits for bookings through Capital One Travel, where youll get our best prices on thousands of options. ) and a {$100.00} Anniversary Bonus ( Get 10,000 bonus miles ( equal to {$100.00} towards travel ) every year, starting on your first anniversary. ) Capital One advertises You can use your travel rewards credit card to book any airline, anytime, anywhere with no seat restrictions or blackout dates ; however, does not offer and restricts flight options within Capital One travel. 

On XX/XX/2023, I attempted to book an airline flight through Capital One Travel ( American Airlines ). After discussing with a Capital One Travel agent on the phone, the flight options originally selected were no longer available ; however, reviewing XXXX XXXX website all flights on the trip were only half full. I proceeded to purchase the trip through XXXX XXXX instead of Capital One Travel on my Capital One Venture X Card ( You can confirm flight and seat availability through flight numbers and tickets purchased through Capital One Statement ). As this is the only trip that we will take this year, I expressed my concern with Capital One agents that I have paid an annual fee ; however, will not be able to offset the annual membership of {$390.00} because Capital One Travel restricted their airline options. I further expressed a concern that this is an Unfair and Deceptive Practice per their website advertisement and marketing materials. 

I requested to have my annual fee refunded of {$390.00} dollars ; however, was only offered a {$100.00} good will credit. Note, as of XX/XX/2023, the good will credit has still not been posted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: EQUIFAX, INC.
State: TX
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:
Here we go again with Equifax openly admitting to Placing fraud on my credit report. First of all my wallet had been stolen in my wallet was my social security card, drivers license and email addresses. Additionally my postal address had been forwarded and I have recently corrected these issues including getting my email addresses correct. EQUIFAX has already been notified and has received law enforcement documentation and FTC Identity Theft Affidavits for each account that has been mentioned and discussed as fraud. Equifax deleted these fraudulent accounts to comply with the FCRA laws since they have been notified of fraud. I then check my reports today and see EQUIFAX has placed one of the accounts that I never applied for and already marked as fraud BACK on my equifax report. Again these are FRAUDULENT. I am a victim of Identity theft, you have received documents from Law enforcement agencies. You have received FTC Affidavits explicitly explaining the crime and how i became a victim. By Placing fraudulent information on someones credit report and not advising the consumer you are placing this fraud knowing its fraud is against the law. 

You placed an account for XXXX XXXX which I never applied for back on my credit report. Again this account is fraudulent, This account was already deleted. You have the amounts incorrect, you have the account numbers incorrect XXXX has already been notified this was fraud. This was applied for with an address I have not ever lived at. They advised me the last payment made was from a " XXXX XXXX '' Which I have never been associated with. I want this account blocked from my file immediately. You can't place fraud back on someones credit reports especially when this account was already listed in my previous FTC Reports i have sent to your agency.

Company response to consumer: Closed with explanation