BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23, someone fraudulently used my debit card, multiple transactions in the amount of {$3700.00}. The merchant was XXXX. The transactions posted on XX/XX/23. 
I received an email on XX/XX/23 that my account had over drafted and I immediately checked my account to see what happened. I saw the fraudulent charges and immediately notified the bank of the issue. I blocked my card through the online banking website and responded to the alert of suspicious transactions as soon as possible, same day. I went to the bank the very next morning to file a dispute. 
On XX/XX/23, the bank declined my dispute saying that we had used the merchant in the past. Yes, we have used the merchant in the past, but not in this manner or this amount. On the same day, XX/XX/23, I contacted the fraud department and asked them to reopen the case and I sent proof that the transactions were not mine. I attached screenshots of our XXXX account payment center, showing that we only had two XXXX transactions for advertising, which totaled approx. {$100.00}. We only approved these two transactions earlier this year. I also filed and attached a police report. We are asking assistance in getting this resolved as this is fraud and we should be protected against this.

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 2023-02-13
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done. I'm really trying to move forward in life and these accounts can hinder my progress.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 15 U.S.C 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 2020-06-05
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX I contacted XXXX  in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Paypal Holdings, Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I closed my PayPal account last XX/XX/XXXX. I called them to clarity about my account closed last XX/XX/XXXX and score report, but I was told that they closed my account last XX/XX/XXXX. I was hoping for a high score this month, but it did not. My score report needs to go up before I apply for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been an American Express customer for 22 years. Originally it was for my company, a small TV production company that has worked on mostly children programs. Over the years I never had an issue with American Express. In XX/XX/XXXX my business was severely affected by the wildfires that swept across XXXX XXXX county, in that my primary client lost his home and was unable to continue our work together. This crippled my business. 

For the next several months I tried desperately to save the company that has my name since XX/XX/XXXX. In XX/XX/XXXX I was seemingly out of the woods, when, due to the stress, I suffered what is known as a XXXX '' XXXX XXXX. I will spare the details, but it's safe to say that I nearly lost my life that night. 

When I awoke one morning, I found that my personal Am Ex card had been sent to collections and my online account had been shut down. Now, keep in mind, I have never missed a payment on the personal card. Never even been late, or had any issue with it. It was just swept up in the handling of the corporate card and sent to a different company to be serviced. When I called the customer service department, I was told there was nothing they could do to help me. Even though I had made all my payments and had never been late, there was nothing anyone could do. The card was at the collection agency, end of story. Now I am faced with having to settle a debt that I was paying regularly on, but now must pay in one lump sum or they will report to the credit agencies. How can this be? 

In addition, the collection agency that bought the Corporate card debt has, on some days, contacts me up to five times, demanding that I resolve that debt. 

I am obsessive about my bills and staying ahead of them. This is why I am so concerned about this. I am being punished for something I did not do and have no control over. 

Please help me with this. There has to be something that can be done. American Express must not be allowed to treat people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Experian Information Solutions Inc.
State: TN
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 had a home loan thru XXXX XXXX XXXX while in a chapter XXXX bankruptcy, during the bankruptcy my house burned down and the insurance paid the home loan off in full. A couple months later after that loan was paid off my attorney converted my bankruptcy to a chapter XXXX. XXXX XXXX XXXX was not involved in this at all as they were paid in full and were no longer part of the chapter XXXX. They showed up on my credit report as " discharged thru bankruptcy '' which is of course hurting my credit. I have filed a dispute with Experian twice and both time XXXX XXXX XXXX have come back saying that the information is correct. They were paid off in XX/XX/XXXX and they are showing the discharge of debt as XX/XX/XXXX. Report Number : XXXX Date Generated : XX/XX/XXXX. 
XXXX XXXX XXXX Account Name XXXX Account Number Mortgage Account Type Joint with XXXX XXXX Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XX/XX/XXXX/Never late. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$30000.00} Original Balance {$0.00} Highest Balance 10 Years Terms XX/XX/XXXX On Record Until - Balance Updated - I can not get them to correct this mistake, can you please help?

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 2023-11-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account with Synchrony Financial was closed in XXXX. I have continued to be charged late fees charged on going. The auto payment continues to fall off, Due date moved without notice. Unable to reach anyone because the account is closed. I have continued to pay on this closed account for the last three years. The balance is almost paid but each time I check the account, either the auto pay falls off due to the account being closed or the due date is moved. I am unable to contact anyone that can help me. I am only able to go back to YTD XXXX of XXXX. Since then, I have paid a total of {$630.00} dollars in payments and been charged {$360.00} in fees. The account balance on XX/XX/XXXX was {$890.00}. Without the fees, my account as of XX/XX/XXXX would be {$250.00} not the {$660.00} reflected. 
I appreciate your help in this matter. 

XXXX INTEREST CHARGE ON PURCHASES Posted {$18.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$21.00} XXXX LATE FEE Posted {$38.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX LATE FEE Posted {$38.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$20.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$23.00} XXXX LATE FEE Posted {$38.00} Interest INTEREST CHARGE ON PURCHASES {$23.00} XXXX INTEREST CHARGE ON PURCHASES {$21.00} XXXX INTEREST CHARGE ON PURCHASES {$23.00} XXXX INTEREST CHARGE ON PURCHASES {$22.00} XXXX INTEREST CHARGE ON PURCHASES {$23.00}

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 explanation
Consumer complaint received 2020-03-29
Company: Central States Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a Veteran who was sent to an outside provider for care, in which 100 % of the cost was covered by the VA hospital. XXXX XXXX has been given an authorization form on 4 different occasions and was even contacted by a VA representative who attempted to resolve this matter. XXXX XXXX must go through the VA process in order to process their payment. This is a false representation of a debt because under 38 CFR 17.55 ( g ) the VA is the primary and exclusive payer for medical care it authorizes. As such you may not bill the Veteran or any other party for any position of the care it authorizes. 

This debt collection agency is violating my consumer rights because it is misrepresenting a debt that does not belong to me but the VA. This debt collection agency also violated my consumer rights to dispute my debt. When I asked to dispute my debt I was told that I could not do so because I did not owe the debt to their company but XXXX XXXX. I am more than happy to provide this debt collection agency a copy of my authorization form so they can see that I am not the responsible party for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX - {$5300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-02-13
Company: EQUIFAX, INC.
State: SC
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX  {$270.00} XXXX XXXX XXXX {$33.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$1100.00} FCRA Violation : auto loan not mine XXXX XXXX FCRA Violation : other loan not mine XXXX XXXX  {$540.00}

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 2023-02-13
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/13 I called XXXX in regards to a reduction of my credit limit from {$1000.00} to {$500.00} after I made a payment of {$700.00}. The company stated that they reduced my limit based on false information provided from creditors. 

XX/XX/13 A payment was made of {$700.00} to lower credit utilization. Immediately after that the credit limit was reduced to {$500.00}. This is impacting me significantly and I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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 status incorrect

Complaint:
I pulled my report and still see the accounts that I have been disputing appearing XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is clearly a violation of my rights and demand that these items be removed on my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.

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: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After numerous attempts in And complaints through The CFPB and disputes through trans union I finally have been able to Confirm that And then cleared of The debt owed. XXXX XXXX in CT As confirmed my Health insurance was active back when debt occurred And are to be billed for the money, The result of this debt has caused me to have a derogatory report with Transunion As well as XXXX While XXXX has removed the Derogatory mark About XXXX XXXX years ago Transunion still Hold it As true. Attached please find the written letter from XXXX XXXX Admitting to the error end also requesting that Trans Union remove this from my credit report as soon as possible.

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 2021-08-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX. My account was closed by Wells Fargo bank without my permission and I still have {$3900.00} inside the account. The bank does not allow me to take the money out because they claimed that " I am not the owner of the account. '' In fact, I am the owner and they did not allow me to prove my identity at all. All they said was " you can not get your money back. '' The bank said that I was the one stating on the phone while talking to the specialist that " the account is not mine '' even though I have never said that ; I have never even mentioned the account at all while on the line. There are definitely recordings of the phone-calls in their files to be checked if you want to further prove of what I stated above. I want to get my money back. My case number is XXXX ( Wells Fargo Bank ).

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 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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