BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: PA
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:
My identity was compromised and someone used my social to apply for several credit cards under my name where I never applied for new credit cards or lines of credit. I called and spoke with all 3 credit bureau agencies and the creditors to resolve this matter and was unsuccessful in getting them to remove it. I explained to the credit report agent my identity was stolen and I was never authorized for store credit or credit card application. I was not the person applying for credit when I asked the credit card agent at the fraud department to tell me what address they had on these applications they told me that they didn't have that information to give me. According to the FCRA, my credit report must be accurate and I didn't apply, authorize, or consent to run any inquiry on XX/XX/XXXX, XXXX, of XXXX for credit. All of these inquiries from XXXX XXXX, Experian, and XXXX Must Be removed and deleted immediately as follows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be deleted for all inquiries submitted by the hackers.

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 2024-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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/2023 I was traveling with my son thru XXXX XXXX CA.I needed some cash I couldn't find a XXXX atm so I use a bank of america atm i made one transacion requesting {$200.00}, the atm dispense the money but I couldnt reach the money and by the time I unbuckle my seatbelt the atm retracted the money, the screen start idling and then it said WAIT and the transacion got cancel, after that I stared another transacion and was able to get money ( XXXX ) but, when I check my XXXX XXXX acct., it was 2 charges of XXXX each.I called XXXX and made a claim Chase refund me the money pending and investigation .XXXX denied the claim and deduct the money from my acct. 
I called Bank of America costumer service and they said that they can't help me. 
I wrote letters to Bank of America corporations and I got the same answer.

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 2024-01-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
When Truist bought out BB & T I closed out the BB & T & called Truist. I explained I did not want to continue with Truist. I cut up the card and considered the matter closed. Truist called me sometimes twice a day trying to regain my business.I made calls & posting asking if anyone knew how to stop them but to no avail. 
Always, without exception, I pay my credit cards in full monthly. I have lived on Social Security since retiring and this am I went to my credit union. I asked them to please print out all I have paid monthly, called Truist, gave them the amounts and dates but Truist is not accepting my facts. 
I am told I can not close out the account until balance is paid. Total of XXXX plus.Soon to be XXXX. Then I asked to be transferred to the dept to get the final balance so I can get rid of this. I don't owe this but am XXXX and completely defeated by this action.Also the people I spoke with demanded my full social security number. I gave it but I thought that was wrong..* aAlso I do not know the account number except either XXXX or XXXX. 
I do not know the mailing address or email or anything. I called & cancelled BBT and cut the card up. 

I dont know what to do next. I was put on hold until my battery only had small time left so I hung up.

Then I decided to write to youXXXX XXXX XXXX XXXX XXXX and always prided my self on managing my affairs. But this has me stumped. Any advice you can offer will be greatly appreciated. I cant close the account so naturally the interest keeps growing, please advise. Thank you so much, 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 2023-11-20
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Here is an example of a fee taken from my account : XX/XX/XXXX, XXXX for Non-Citibank ATM use - {$5.00} {$290.00} Transaction Date XX/XX/2024 XXXX XXXX XXXX Posted On XX/XX/2024 Transaction Type Fees I was asleep at XXXX on XX/XX/XXXX. I called and asked WHAT ATM ( location ) I withdrew the money from and they could not answer me. There is not address listed on the charge. 

In the past I have been charged for using Citibank approved ATM machines from their list of ATM machines and they DENY that that is their machine. 

I want my bank account to be audited for fees I was charged.

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 2023-11-25
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
Approved me for a title loan that was an amount larger than the value of the car, I believe this was a predatory action taken on someone with no other loan options due to credit status after extensive medical bills and a divorce. The car was totaled in 2021, I had full coverage insurance so they paid out the value of the car but the balance of the loan was still nearly 2-3k over the amount that was dispersed, I had a period of hardship for months after that with nearly no income and needing to replace my car as well without any assistance from insurance because it was paid directly to OneMain financial. They contacted me constantly via email, phone, and mail for months until I enrolled in a debt management plan that included this loan. I once again experienced an extensive period of financial hardship this year ( and still am ) and theyve begun contacting me repeatedly again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I called my bank Truist to make a few disputes. They did not give me any disclosures regarding the disputes. XXXX of my disputes that I have proof and receipts for was denied, and I asked for Truist to reassert and reopen my dispute, and they said that they could not I believe it is my right to dispute a transaction simultaneously, they even referred me to the merchant. I filed a complaint that day they should have it in their system. Currently I do not see that they filed the new dispute that I asked them to.

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 2024-02-06
Company: Credit Adjustment Services of Harrisburg, Inc
State: IN
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:
I recently checked my credit report and CASH PRO is falsely reporting a trade-line on my report. Not only are they damaging my report but I have been recently denied credit because of this tradeline. Cash Pro is a third-party debt collector and have violated several of my rights protected by the FDCPA. they are ruining my reputation and causing me extreme damages by reporting this false information. I have NEVER done business with this company and they are demanding that I pay something I don't owe them. 
They were also provided my personal information under false pretenses of an alleged Debt I demand that they delete both tradelines immediately as they have already made me feel ashamed and embarrassed. If this matter is not resolved in a timely manner, I will have no other choice but to take action and sue them for their violations under the FDCPA. 

Thanks for your understanding..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On Monday, XX/XX/2023, I mailed a certified letter, with identifying documents ( attached ), to Experian asking them to verify the information from their investigation. The original investigation took more than 60 days ( violation ) from the original date my dispute letter that was sent to the company in XXXX and a CFPB complaint was filed and a response finally given in XXXX. In the results, Experian stated that they " verified '' the information, which can not be true, and I requested verification of debt under FCRA Act Section 611, the request of an explanation of the verification method used by the CRA and a request of records obtained under the FACTA act, SEC 312 ( b ) and ( c ) with the information listed. This certified letter was sent certified USPS tracking number XXXX and delivered directly to a worker per USPS tracking to Experian on XX/XX/2023 ( confirmation attached ) with several copies of my identifying information as proof of identity enclosed. On Tuesday, XX/XX/2023, I received a ridiculous letter from Experian attempting to stall the verification process and investigation AGAIN using a letter stating that they they were not sure it is me and attempting to bully me into not replying and/or letting their nonsense and fake reporting into this investigation go. This is absolutely ridiculous and this company is continuously being allowed by the CFPB to ( 1 ) violate my rights under FCRA, ( 2 ) use stall tactics to not do their job, ( 3 ) report false and erroneous information without any repercussions.

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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My private information is being reported to and by the 'big 3 ' credit reporting agencies, Transunion XXXX XXXX XXXX and XXXX, without a permissible purpose, without my consent and it infringes on my right to privacy. The specific accounts in question at this moment are the following : ( XXXX XXXX XXXX XXXX / account # XXXX ) & ( XXXX XXXX XXXX XXXX XXXX / account # XXXX ) I was never provided a 'Reasonable Opt-Out ' pursuant to 16 CFR 313.7 ( a ) ( 2 ) ( ii ). As a consumer of a financial institution, I have a right to privacy, and a continuing right to Opt-Out of the sharing, reporting and disclosure of my personal, private information and creditworthiness. I've previously mailed and faxed my own 'Opt-Out ' Notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also gave notice to XXXX XXXX XXXX XXXX XXXX as well via CFPB complaint numbers XXXX & XXXX, also reference 16 CFR 313.10. Take this complaint as my last exhaustive attempt to resolve this matter non-judicially. These accounts are being furnished and reported without my consent, infringing on my right to privacy, without a permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ), violative of the FCRA, the Privacy Act, my constitutional rights to privacy and it's a defamation of my character, reputation and creditworthiness, as well as inaccurate. YOUR COMPANY HAS BEEN FORMALLY NOTIFIED OF THE ABOVE AND REQUESTED TO REMOVE THE ABOVE DEFAMATORY ACCOUNTS.

Please take note of the following referenced laws your company is responsible for following : 15 USC 1681b 15 USC 6802 15 USC 6805 15 USC 6821 15 USC 6823 15 USC 6827 16 CFR 313.7 16 CFR 313.10

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 2024-02-02
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car was a total loss in XX/XX/XXXX, my insurance paid out over XXXX the check was cashed and showed in the Bridgecrest app as a payment onXX/XX/XXXX, my gap insurance also sent payment that was cashed by Bridgecrest on XX/XX/scrub>XX/XX/XXXX, these check coupled with the car payments I was still making totaled more then what I owed for the car, the car has now been paid for plus some, yet its XX/XX/XXXX and Bridgecrest has reversed payments on my account and is showing a balance owed from when I first bought the car. What have they done with all my payments? Why am I being charged payment reversal fees when I never reversed any payments? Where did all the money go? When I call and ask they tell me they have my money and they need more time to process things and that Im to keep making payments, I dont understood how this is legal? They cashed the insurance checks? Am I being scammed?

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 2024-02-02
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Charged many overdraft fees. Causing my account to get closed.

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 2024-01-30
Company: U.S. BANCORP
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Elan Financial Services reported that I missed 1 payment on my account. But I remember paying them so I asked for written proof and it wasn't given so i'm disputing this missed payment and need it removed immediately 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 non-monetary relief
Consumer complaint received 2024-01-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
From XX/XX/XXXX to today, the following accounts were closed by the creditors because of information they received from XXXX. 
XXXX XXXX - never late XXXX- not late was late in the past, and this came off my records Wayfair - never late XXXX XXXX - never late XXXX XXXX - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but in the meantime, more accounts are closed. 
My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened. 
.

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 2024-01-26
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/year> I looked at my bank account and noticed XXXX transactions with XXXX that I hadn't made. I called the bank right away to report the fraud. When calling the person I spoke to was over see 's and there XXXX wasn't the best. He ended up filling a dispute for around XXXX of the transactions. I kept trying to tell him there was many more. The bank refunded about half of the transactions right away. 

A few days later I called the bank back to let them know they missed a lot of the transactions that needed to be disputed. They once again sent me to a agent that was over see 's and didn't complete the claim correctly. He submitted for XXXX of the transactions. I then called a third time to have the remaining transactions disputed. 

I then had to call multiple more times to get the remaining transactions disputed and this is where my problem starts. I keep being told my claim is being denied for various response yet no one at the bank can explain why. 

Finally I seem to keep getting the same answer on why they won't do anything. The reason I am being given is they won't investigate the charges since I have made purchases from the merchant in the past. I told the bank that is 100 % true but that doesn't mean someone can steal my credit card number and make purchases with apple. 

I then went to XXXX and got a copy of my purchase history from the app store which is linked to my name and sent it to the bank. The bank has acknowledged they have it but refuse to answer the question of " if you don't see the transactions on my purchase history why are you not disputing them and refunding me my money for them. All the bank will say is that its the investigators decision and there is nothing they can do about it. I then asked the bank why are you rejecting part of my claim yet you approved part of the claim. They once again can give no answer to that.

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 2024-02-01
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as 313.7 Form of opt out notice to consumers ; opt out methods, with said company " XXXX XXXX XXXX '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher colllectioms services, placed XXXX XXXX  collection onto my credit reports state I owed a debt to XXXX XXXX  I have no knowledge of the debt. I requested a debt validation never received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 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