BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2023-12-27
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I deposited a cheque for {$500.00} in my Truist account. This cheque was drawn against my account in XXXX XXXX XXXX 

On XX/XX/XXXX an amount of {$500.00} was credited in my Truist account but it was immediately put on hold. 

I can see that {$500.00} has been debited from my XXXX account, confirming that the cheque was honoured. 

When I call Truis bank, I am told that the check I deposited is put on hold for validation and will be cleared on XX/XX/XXXXXXXX 

Complain : XXXX XXXX XXXXXXXX has already cleared the cheque for {$500.00} on XX/XX/XXXXXXXX XXXX However Truist bank will clear those funds on XX/XX/XXXX. 

Truis bank is using {$500.00} in some ways without crediting those in my account.

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 2023-11-04
Company: Credit Karma, LLC
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX  XXXX XXXX I attempted to withdraw funds in Credit Karma Save Account. When I went through the process the last XXXX digits shown on the linked bank account did not match any account I have. I proceeded to try to change the linked account through their system that connects to XXXX. It would NOT work, no matter what I tried. It just returned to the same screen. I went on the help menu : the chat bot didn't help, I called the phone number... interesting enough the SECOND I described the problem the person on the phone immediately said they needed to move the complaint up. It was obvious that they have a required company response to this and who knows how many people are effected. 

On XXXX  XX/XX/XXXX I received an email from customer support with nothing more than the steps to the same process that they obviously know doesn't work. Nevertheless, I tried again, tried every way and it is not possible on their website. 

I have no idea what the account is that is linked and if I hadn't noticed, just went through and clicked confirm, which I'm sure many, many people have, who knows where my funds would be. I have once again taken the time to reply to their email but when I searched and saw the exact same issue reported by others I realized reporting this might very well be the only way to remedy the problem and get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: MI
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 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-12-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to dispute with collections company about early termination fee. I sent a copy of Resident notice of intent to move out form, which clearly has the box checked that states ( we approve the move out date that you submitted in your notice of intent to move out and your lease term will end on that date. So how are they trying to charge me for early termination fees?

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 2020-11-02
Company: EQUIFAX, INC.
State: MO
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 following accounts do not belong to me, therefore I'm asking for the removal of these accounts. 

1. US Dept ED 2. Dept ED XXXX 3. US Dept ED 4. Dept ED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: NE
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:
XXXX XXXX is reporting a fraud account on my credit report in the amount of {$430.00}. This is for a fraud electric account that was opened up in my name at an address I have never lived at or been associated with is XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, 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:
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 Equifax 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Sunlight Financial LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
First off I hope I made the correct choice to file this complaint because no where did I find Home Improvement Loans. 

So got the loan through Sunlight Financial but the loan was actually approved by XXXX XXXX XXXX. My fist instalment was due on XX/XX/2023. On XX/XX/2023 I remembered that because the XXXX of XXXX had fallen on a Sunday I had forgotten to submit the first payment. So I login to my online account with Sunlight Financial and proceed to submit my payment. On XX/XX/XXXX of the current year, I login to my bank account to see what had been charged so far ( because I have other payments that come in ). To my surprise, I see 2 charges for sunlight financial one in the amount of what the payment should be which is in the amount of {$230.00} and the one I made and authorized in the amount of {$230.00}. I called them that same day XX/XX/2023 at XXXX XXXX  to ask why had they charged my bank account twice? That I had only authorized the payment of {$230.00} made on XX/XX/2023. She checked and verified that the auto pay was not activated. So according to the young lady I spoke to, she verified that the autopay had not been activated, so there was no reason for the financial institution in charging my account without my consent. She did say she'd enter notes to escalate the situation and that she would call me with a response. She even verified my phone number. I asked for either a refund of the double charge or credit for the payment due on XX/XX/2023. I also asked for my payment due date to be moved to the XXXX of each month. I want to point out the call was being recorded! That was taken care of on XX/XX/2023. But as far as for the issue with the double charge they did not mention a thing. I even logged in to see if their was at least a credit to make a payment till XX/XX/2023, but nothing has been updated. Then I proceeded to sending them a message via their portal which I took a screen shot of, before submitting to keep as proof. But till this day of XX/XX/2023 I have not received a response from them, not a call or an email or a letter in the mail addressing the issue. I have removed my bank account from the portal since XX/XX/2023 so they can no longer take any payments that I do not authorize. But I would really like for someone to reach out to them and ask why did they take money that was not authorized? In the attached files you will find the message sent to sunlight Financial disputing the double charge. Then email with the charge that was authorized by me. And a screen shot of the charges from my bank. Final note, I was never notified about the first charge otherwise I would have never made that payment on XX/XX/2023.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
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:
Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately. 

Inquiries reporting are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent errors and inaccuracies. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of 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 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After a recent review of my credit report, I discovered an entry indicating a bankruptcy claim associated with my name. Upon further investigation, I have determined that this claim is inaccurate and not reflective of my financial history. It is annoying and distressful that this fraudulent bankruptcy keeps on persisting on the credit report. Regardless of its fraudulent identity, as the credit reporting agency, this account should be removed already as it has already been for more than 7 years! 
The details of the bankruptcy claim are as follows : Bankruptcy XXXX XXXX-discharged Reference number : XXXX PLEASE DELETE!!!! 
I am formally disputing this bankruptcy claim and kindly request your assistance in conducting a thorough investigation into this matter. I understand the importance of accurate credit reporting and the impact it can have on my financial standing. Therefore, I request your prompt attention to this matter to ensure the timely removal of the erroneous bankruptcy claim from my credit report.

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 2022-05-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get a Loan forbearance, to wave loan payments for 4 months to move those payments to the end of the loan. W we are able to pay escrow payments of {$700.00} a month for 4 months. My wife has been injured at home and she is not able to work for 4 months. We put in an application for the loan forbearance loan Care keeps requesting copies of documents they have or have miss read the documents. We have not missed payments in the past. It seems they are dragging this out so they can for close on us we have letters from Loan stating they are ready. We are now almost two payments behind. We feel that they are not trying to work with us from their own rules we fit in for a Loan Forbearance.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: CT
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. 

Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are a number of derogatory accounts reporting on my file that the credit bureau repeatedly fail to comply and properly validate. The information reporting does not belong to me and a result of identity theft its violation of my consumer rights pursuant to the FCRA. I would like this information removed immediately.

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 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XXXX credit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have seen XXXX XXXX XXXX has been sued for these types of things in the past I WOULD LIKE THIS ACCOUNT DELETED IMMEDIATELY OR BROUGHT BACK TO A CURRENT STATUS I HAVE MISSED NO PAYMENTS ON MY ACCOUNT According to the FRCA The term " investigative 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. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies Attached to the complaint None of my credit reports match up and this has had a negative impact on my life Account : 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: Comerica
State: OR
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I went to ATM location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX. I request withdraw in the amount of {$1000.00} USD from machine. An error message appeared only momentarily and said hardware malfunction error -- your cash has been retracted. The money dispenser never opened and I never received money that I requested yet the ATM still debit my card this entire amount of money leaving me in a desperate financial situation, causing both emotional distress and physical distress, I have not showered in a week, I can't pay bills or even buy simple daily essentials to survive on. Nearly my whole benefit deposit is gone. Ok so first thing I do is go into the bank next day during opening hours. They absolutely do nothing for me, they tell me to go call the number on the back of my debit card and file a dispute ( with ) XXXX XXXX. I go ahead and do so but still over a week later neither XXXXXXXX XXXX nor XXXX XXXX has refunded my account. I call XXXX XXXX daily and there is absolutely no updates for me. I have repeatedly asked for a provisional credit to be applied to my account and they continue to draw this out as long as they can. My claims are not being taken seriously, there is a great deal of lack of urgency as this is not a small amount of money, this is a {$1000.00}. This is not ok.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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:
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 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