BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I entered my BB & T ( Truist ) branch at XXXX XXXX XXXX, XXXX XXXX, FL to execute a wire transfer from my business checking account. ( I bank personally and professionally at BB & T/Truist. ) The wire was necessary to pay an invoice to a company that I am engaging to help me grow my business. ( I am self-employed, 25 years. My business is a C-corporation with myself as the sole employee. ) My bank accounts are fee-free as I maintain minimal deposits on-hand as necessary, and my business checking account is a " small business '' type. The bank representative informed me that the wire transfer fee would be {$30.00} from either my personal or business account, but I informed that I do not mix funds in this manner and that this was a business transaction and needed to be taken from my business account regardless. Later that afternoon, the bank representative called me to inform that she was mistaken and that the wire transfer fee from business accounts was {$65.00}, and that I would be charged {$65.00} for the wire. This is unconscionable and unethical : the exact same service differently charged solely because it is being executed from a ( small ) business account versus a personal account. I called the BB & T/Truist main customer service telephone number ( XXXX ) and spoke with XXXX who put me in touch with the branch manager XXXX XXXX ( XXXX? ) who informed me that he would credit the entire {$65.00} fee this time because I told him that I would also be paying - via wire - the second half of the total invoice for this company in 30 days, at which time we agreed that I would pay the whole {$65.00} wire fee which, in total, would essentially compensate the bank as if I was paying the {$30.00} fee for each wire. The excuse XXXX gave is because this is how the " system '' works. This fee-grab by BB & T/Truist is just that : obviously it does not cost more to execute a wire from a business account versus a personal account. Further, as a really struggling business during this financial COVID-induced crisis, I can ill-afford to be burdened with any excessive costs, let alone unnecessary bank fees by financial institutions looking to pad their bottom lines, profit margins, and bonus checks. Charge consistent reasonable fees for services across the spectrum of customer accounts.

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 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : CAPITAL ONE BANK USA XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
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:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

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 2022-04-22
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

* XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has violated my rights. 

XXXX XXXX XXXX  Account # 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. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 2023-05-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}, XXXX XXXX Balance : {$20000.00}, XXXX  XXXX Balance : {$20000.00}

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 2022-04-22
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debit is not owed by me due to filing errors and due to a change of insurance companies at my last job ( not my fault ). I have tried to correct this by mail but no response form the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company maliciously damaged my credit report without allowing a rebuttal. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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: Account status incorrect

Complaint:
Hello, XXXX XXXX is reporting me and my husband as late and delinquent in payment. XXXX and the credit report agencies have been give notice that the services they sold us were under fraudulent terms and they could not report it on our credit by XXXX XXXX XXXX since XXXX. 

The amount is {$12.00}, XXXX on XX/XX/XXXX and filed the legal forms in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX XXXX Cap on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, I did n't get a response nor did they help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2023 I was notified by XXXX XXXX that a loan was taken out in my name. The origination date is stated as XX/XX/2023. The amount financed is stated as XXXX. Im unaware of this account and transaction. The loan was made out to me and the person responsible without proper identification verification. XXXX XXXX proceeded to mail a check to my address and the person in question had already destroyed my mailbox door to compromise my personal information and later retrieve the mailed check. The suspect later cashed the check using their signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
XXXXXXXX XXXX XXXX XXXX.The credit bureaus keep breaking the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi has failed to pay me my {$700.00} signup bonus for opening a Citi XXXX Account package ( checking and savings accounts ). I opened my account over the phone with a Citi rep and she assured me that I qualify for the promotion. 

I opened my account on XX/XX/21. The {$700.00} promotional bonus ( XXXX XXXX ) requires me to deposit {$50000.00} in " new funds '' into the account and hold it there for 60 days. The bonus will be paid within 90 days after the $ XXXX is in the account for 60 days. I deposited the $ XXXX into my account on XX/XX/21. If you add 150 days from this date, the last day that Citi should be paying me my bonus was on XX/XX/21. 

I filed a dispute and was given a Case ID ( CASE ID : XXXX ). Citi responded in early XXXX and asked me to provide a XXXX via mail. I mailed the XXXX and it has been delivered to the requested address by Citi. I am now still waiting for the promotional bonus, and Citi has been unhelpful. 

Citi has assured me that I have met all requirements and that I'm eligible for the bonus. I have followed all rules and Citi has failed to follow the rules outlined in their promotion.

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 2018-05-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Tuesday, XX/XX/XXXX, my wife received a phone call from a Texas number XXXX ( which was disconnected shortly after the phone call when my wife tried to call back ) stating that her husband was pending legal action on a civil matter and if she could reach me. She handed me the phone and the woman proceeded to give me a case number of XXXX and said I needed to call XXXX to speak with a mediator to attempt to resolve an outstanding debt from XX/XX/XXXX or I will be taken to court in 10 days. I called the number and was told the company 's name was XXXX XXXX ' by a man named XXXX XXXX XXXX He asked for the last 4 digits of my social security number and once given, read my entire social back to me and stated that if I go to court the amount would be {$3600.00} plus any attorney fees, but if I paid it the same day I could satisfy the outstanding debt for {$840.00}. If I wanted to split it into two payments, it would be {$1700.00}, but I needed to choose soon. I was given 48 hours after I told him I planned to speak with my wife about it. I have not been served, I am on XXXX XXXX, so I have been away, but my wife has not had any notification or attempts made to serve me while she has been home. When I questioned about the statute of limitations, XXXX XXXX stated that it does not apply to my situation because I moved out of state when I joined the service and that the reason the debt did not show up on my credit report which my wife has me check religiously is because it is from a bank and that would be in the XXXX. When 48 hours passed, he called me again at a XXXX number. When asked for the company 's name they stated " XXXX XXXX '' but when I attempt to locate information about the company or man I spoke with, I find nothing. I told him that I do not plan to pay a debt he can not and will not provide documentation for. He told me in order to show the debt, I would need to agree to a settled amount. When I said I wanted proof of the debt, he said he does not have it and the bank wouldn't since it would have been sold to a debt collection agency and that agency is likely not around either.

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 2023-10-19
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Resurgent/LVNV FundingXXXX XXXX , this company has two accounts on my credit report and I have no responsibilities to this company. I do not have an account with this company and without any notices, this company placed negative marks on my credit report. I do not know this company and never had any business with this company. 
Date : XX/XX/XXXXXXXX  updated on my credit report {$460.00} Date : XX/XX/XXXXXXXX  {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I got a scam call on XX/XX/XXXX, and claiming to be stationed in the XXXX XXXX informing me that I had a bank card which has related to the financial crisis, and the call was then transferred to the " XXXX XXXX XXXX XXXX ''. The scammer claimed that he was the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The scammer claimed that I would be arrested and sent back to XXXX because I was suspected of committing a crime. The scammer said that If I paid a guarantee to the procuratorate, I could apply for a guarantee certificate and revoke the arrest. I could get my money back if they check that there is no problem with my money. The scammer asked for confidentiality and monitored his activities through video calls. Under the intimidation and induction of fraudsters, I transferred money to XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX to the bank accounts provided by the scammer and suffered losses of XXXXXXXX XXXX 

I have told bank of America, the police in XXXX, the police in XXXX and XXXXXXXX XXXX and haven't received any progress yet.

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 2018-09-30
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This pertains to my account with paypal. Account : XXXX ( account numbers with paypal are kept this way ) On XX/XX/2018 paypal account receivables received my payment in the amount of XXXX ( document from paypal.com attached ) On XX/XX/2018 paypal account receivables cashed the XXXX and took money from my XXXX XXXX account ( document from XXXX XXXX attached ) Since than paypal did not apply the payment to my balance. 
On XX/XX/2018 paypal accounts receivables issued collection letter demanding payment of XXXX As of today ( XX/XX/2018 ) paypal account receivables is in possession of my payment ( XXXX ) and is not applying it to the balance. 
Why this amount is not applied as of now? Why did you choose to collect something that I do not owe as of XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-05-31
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I need to link my XXXX  account to my bank account. It helps me send my kids money when they have an emergency or send me money if I have an emergency. Its the easiest way to get money to them and I need to be able to help them as quick as possible. XXXX of my XXXX kids live out of state! Please allow me to link my pnc account to my XXXX account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: AMERICAN EXPRESS COMPANY
State: CA
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 have carefully reviewed my credit report in the XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.XXXX  XXXX XXXX

Company response to consumer: Closed with explanation