BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020, right as we were beginning to understand the gravity and impact of Covid I missed a payment to Suntrust/Truist in the amount of {$290.00}. I had just gotten out of the hospital from XXXX XXXX and had lost my grandmother from a XXXX  outbreak in her XXXX XXXX, unable to say goodbye or even have a funeral. I called Suntrust and told them that I wasnt able to process my mortgage and told them that I had been sick and although I tried to pay I couldnt access the system as it was unavailable and I told them that I had been sick. I wrote them explaining I couldnt process my payment online they wrote back and stated they were not reversing their decision and there was nothing wrong with the online system and there was nothing I could do. I am writing 3 years later as I can no longer afford to live with the impact of missing that one payment after knowing others during that time were afford covid relief to miss payments, modify loans and get back on their feet with little to no impact to their credit. I found Truist response to be very cold and not that of an institution that understood the global crisis that we all have witnessed. Now 3 years later my credit score which was above 750 is now down under 650 due to the one missed payment in XXXX. After 3 years of trying to live with the result I finally found the courage to say it is not right for others to benefit while I continue to pay higher interest rates, have anxiety over not being able to be extended credit when I too suffered from XXXX and the bank looked the other way until millions were impacted by it. Please help me to remove this from my credit report so that I can get my life back and stop paying thousands more in interest payments over one missed payment during the beginning of a global pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code & 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 912 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: KEYCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX I recieved a phone call which came up on my phone as Key Bank where I was advised that someone was trying to put through a payroll for {$2000.00} for a non employee. When I told them this was a fraudulent transaction they ststed that someone from the fraud depart ment would call later. I recieved a call which came up on my phone as Key Bank. Iwas kept on the phone for over an hour with many on hold times. at the end I was told that my online banking would be suspended til I went to the bank. I went on XX/XX/XXXX at which time we discovered my funds from Savings, personal checking, line of credit, and buisness checking were gone. Total {$44000.00}. The bank manager ask me if I could pull the phone numbers which called and I did. She said they were ligitimate numbers. While I was at the bank I received a call from " Key Bank Fraud Department. '' My bank manager asked me to ask their name and position. When I did they hung up. Immediately after all phone numbers in recent calls were wiped off my phone. The bank put the money back in my account the next day and the bank manager transfered {$30000.00} into a new account leaving enough to cover checks which had been mailed and payroll with instuctions that no other transactions could be made. On XX/XX/XXXX the bank reversed the deposit of XXXX leaving the account in negative balance. The bank paid off the negative balance on XXXX XX/XX/XXXX. This still left me with a deficit of {$18000.00}. Ihave been fighting contantly with them for four months. It has taken a toll on my business and my self and staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account : XXXX XXXX, account number : XXXX Account : XXXX XXXXXXXX XXXX, account number : 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 also states a consumer reporting agency can not furnish an 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. 1681 section 2 ( a ) ( 1 ) states 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 explanation
Consumer complaint received 2023-08-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a check by mobile deposit on XX/XX/2023. After funds were issued to my account on XX/XX/XXXX I withdrew money on XX/XX/XXXX in morning. Then. That evening I noticed my account was negative and theres was no longer any sign of check being deposited I immediately went to bank XX/XX/XXXX to see what was going on. Upon looking into situation manager was XXXX. We could see deposit in my deposit history but it was completely gone otherwise. At this point he told me to call XXXX number because he didnt know what to do. I called number and was put on hold for an hour and a half. All three representatives had no idea what to do so an investigation was started. On XX/XX/XXXX I was contacted by investigator who said he could see where check was deposited but file must have deleted but he could see check image and had no idea what was happening He said money would be deposited now today XX/XX/XXXX I still have no money deposited. So I called again to be put on hold for over an hour. Finally when talking to representative who had no idea what to do and could not get any answer from technical department told me to redeposit the check. When I asked for his name he hung up. Ive had this account at Citizens for will over 10 years. This is a business account and money is for customers material

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-01-30
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Paypal has decided to penalize my small business by enforcing a unlawful wage cap on my earnings. My company has just started to take off financially after many years of struggling. My business model underwent some changes that resulted in a minor success. When I began to earn over XXXX a month they decided to enforce a ceiling cap and now skim my earnings and hold them for 21 days. This has stopped all growth as I am unwilling to give paypal my hard earned money for 21 days. I have spoken to them and they are unwilling to fix this. I am hoping the government will get involved and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are two alleged derogatory collections on my Transunion and XXXX consumer reports from XXXX XXXX Finance for {$13000.00} and XXXX XXXX Services for {$5900.00}. These are not on my XXXX consumer report, and they should not be allowed on my Transunion or XXXX consumer reports. I did not give XXXX permission to place these two alleged collections on my consumer reports, and by law, they have to ask the consumer for permission. I did not permit them to provide this information to my consumer reports.

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 2018-08-16
Company: I.C. System, 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:
The Debt Collection Company IC Systems has recently reported to my XXXX XXXX Credit Report That there is an unpaid debt to XXXXXXXX XXXX. They are showing the account was opened on XX/XX/XXXX and last reported to the Credit as in collection as of XX/XX/XXXX. I have contacted them collection company and requested validation of this debt. I have also contacted XXXX XXXX   who informed me that this account was Closed on XX/XX/XXXX, making this debt over 5 years old and 1 year past the statue of limitations in the State of Texas, however IC systems has " re-aged '' this debt in order to report it to the credit Bureau I have also asked XXXX XXXX for Notification of attempts to collect any debt from XXXX and they will not provide anything. Never has XXXX XXXX to my knowledge ever reported any collection on any of my Credit in the last 5 years until IC Systems took over the collection agency as of XX/XX/XXXX. 
I have disputed this debt as I have no recollection of owing any money to XXXX XXXX in which they say is " unpaid programing '' and " early termination '' fees that they will not provide any documentation on and to my knowledge never obtained or reported any collection activity on my credit until now. 
With IC systems reporting this 5 year old " Debt '' and " re-aging '' it to a 2 month old debt, this has drastically negatively impacted my credit score do to their Illegal reporting practice of " RE-Aging '' the debt. So when a lender looks at my credit for any type of loan purpose they will see a new collection that is 2 months old negatively impacting my ability to extend or receive new credit.

I am not sure how a company can just out of no where start reporting a Debt that is over the statue of Limitations as well as reporting the incorrect dates of the said debt. 
I need your help in removing this off of my credit. I fear that If I make any attempts to make any payments on this 5 year old account, it will reopen the statue of limitations and reporting limits of the Debt. So with them reporting this debt as of XXXX it will now stay on my credit until the year XXXX instead of dropping off 7 years past the original date of the said debt. 
I have also disputed these charges with XXXX XXXX with no avail or communication efforts on their part until I received this on my credit, and I will also state that the Debt was reported to my credit Months prior to receiving any written notification from IC systems as I have just received a letter today XX/XX/XXXX 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 2023-10-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX has a fraudulent auto loan account listed on my credit report in the amount of {$28000.00} but I only have one auto loan which was opened in XX/XX/2021 that currently has a balance of {$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 2019-08-06
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to the hospital and was charged for services which the insurance paid all but {$11.00} of the bill. 
Hospital mailed bill to the wrong address two or three times so we didn't receive the bill then the hospital sent the bill to the a collections company. 
Collections collected the full amount of the bill instead of charging us for the {$11.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX XXXX, I called my federal student loan service provider to inquire about a processing payment. I waited for 40 minutes and 11 seconds for an operator before I hung up. The wait time I experienced is unacceptable, especially with the resumption of student loan repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NC
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TAG Intermediate Holding Company, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My legal status changed recently I just received my social security number as in XXXX of XXXX. As I currently want to build my credit I opened an XXXX account. As a new member I noticed there was a car loan showing in my account as ganas auto in XXXX. But the issue is I never took out a car loan in XXXX nor did have my social security number at that time of year or no itin number related to me. The only car loan I have as far is this year of XX/XX/XXXX since my social security number is new. I have try to dispute the account directly with XXXX and some how they tend to remain in in my account .i also contacted ganas auto and spoke with a costumer service representative and he stated theres no contract on there system with my name or date of birth or social security number. At this point I dont understand how XXXX is stating that ganas auto confirm some information therefore they cant dispute but ganas auto confirm to me theres no file connected to my personal information, I have checked other credit barriers to see if it shows there as well and as far as now its only XXXX having that fraud problem with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Genesis FS Card Services, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was charged late payment on a card I never used. When I called the credit card company I was told Im being charged an annual fee. I express that I knew nothing about an annual fee. It was just a scan and they said I was approved. At that time when speaking with costumer service I requested they close the account. They apologized again and said they owe me {$20.00}. Now Im just recently finding out they slap a late payment on my account back in XXXX. Which is highly affecting my credit report. I called to ask what was this and was told they will do a good will act and remove this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BANNER CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received text " Thanks For Shopping : id- # XXXX for XXXX XXXX XXXX XXXX of {$540.00} Charged-from Your a/c.If not done by you, Reach us XXXX '' I did NOT order this. I clicked on the phone link and customer service for XXXX claiming to be Amazon, came on the line. Promised me the problem could be fixed. I went to XXXX XXXX, downloaded an app. as instructed. Agent took remote control of my phone. 
Accessed my XXXX XXXX XXXX XXXX credit card and made 2 XXXX XXXX gift card purchases for {$100.00} each. Also overnight, my XXXXXXXX XXXX checking account was emptied by 3 XXXX cash transactions to - XXXX XXXX {$190.00}, XXXX XXXX {$170.00} and XXXX XXXX {$150.00}. I contacted XXXX XXXX and stopped one of the two {$100.00} transactions. Too late to stop the 2nd one. On instructions, I drove to nearest store and tried to purchase gift cards. Was denied because of NSF on credit card. Store owner warned me of possible scam. I did not purchase any gift cards. Was instructed to not check accounts online overnight. Received call next morning from " XXXX '' who assured me I would be reimbursed. That number not longer exists. Am changing all accounts with bank and credit union.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation