BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/23 - XXXX XXXX XXXX reported to Truist while pending. Truist stated they would block it, if not contact them. They did not block it. We contacted them. They said to fill out affidavits. We submitted affidavits. 
XX/XX/23 - XXXX XXXX reported on XX/XX/23 with XXXX XXXX XXXX XXXX XXXX. We fill out affidavits for that fraud charge as well. 
XX/XX/23 - XXXX XXXX XXXX reversed. No explanation provided. Filled out affidavits again. 
XX/XX/23 - affidavits received by Truist on XX/XX/23 by XXXX XXXX. 
XX/XX/23 - Several inquiries as to status - no response XX/XX/23 - Complaint filed XX/XX/23 to CFPB XX/XX/23 - email from Truist stating working on concerns if need information contact XXXX XXXX. 
XX/XX/23 - email to Truist XXXX XXXX unreturned. No information ever provided. 
XX/XX/23 - email to Truist Client Resolution unreturned. No information ever provided. 
Important Facts : 1. ) XXXX XXXX is not used by anyone in my family. I would never put my debit card on XXXX XXXX 2. ) The fraud was three-fold- XXXX XXXX {$200.00}, XXXX XXXX {$100.00}, XXXX {$200.00}. XXXX was properly restored. 
3. ) Truist is aware on XXXX XXXX Fraud scheme please refer to attached article on XXXX XXXX dated XXXX XXXX. 
4. ) Truist has never responded or provided evidence that the charges were authorized. they were reported fraudulent while PENDING! 
5. ) By law and Regulation E, Truist is required to provide evidence. From a basic customer service standpoint, they should return email and calls. 
6. ) Complaint was closed erroneously by CFPB. On the day that CFPB said the complaint had been closed ( XX/XX/23 ), I received an email from Client Advocacy stated that Truist was still working to address my concerns and researching.

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 2019-10-02
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a collection notice after never receiving a bill. I tried contacting the landlord and he refused to speak to me so I contacted Credit International Corporation. The person I spoke with emailed a copy of an invoice and when I tried to ask questions about never receiving any notification that there was money owed, he hung up on me. I followed the option on the letter and wrote in that we were disputing the charges and mailed it on the XXXX of XXXX within the 30 days. I received a conclusion notice back on XX/XX/XXXX stating that the debt had been verified. I tried calling and talking to someone again but the first local number listed on the paperwork was disconnected but I got through with the 800 number. I then spoke to XXXX and asked how they verified it. He would only tell me that their paralegal did it but would not explain anything beyond that. He then said that he was going to note on the account that I wasn't willing to pay it and they would take me to court. He then hung up on me again. I do not feel that I should be sent to collections over charges I wasn't aware of, especially when I still live in the same townhouse that the fees were supposedly accrued. I was never notified by my landlord in anyway that I had any outstanding balance until he sold this property to another company. After the sale, myself and at least one of my neighbors then received these collection notices. Nobody has attempted to make any kind of payment arrangements of any kind with me. They just say they are going to take me to court and hang up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Account Name : XXXX XXXX  Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2021-10-15
Company: Servatus Corporation
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Debt Collection company reported inaccurate dates and admitted this in an initial complaint filed. The debt the collection company is attempting to collect was initially fees for a checking account with XXXX XXXX XXXX XXXX and as such is a credit union that no longer exists. The servicing credit union appears to have sent the bank fees to this agency for collection efforts, but no contract for repayment exists. In researching the debt and the company they do not have a federal bank charter and yet are attempting to recover banking fees. The company never provided a debt collection letter or provided proof that the debt collection agency has proper notices on the letter they claim to have sent. The dates initially reported by the company show a debt that was incurred ~2 years ago which is incorrect and violates accurate reporting laws. The credit union is not located within the state I reside and the address they claim to have sent a notice to is not a residence that I currently reside at.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
They are using fraud and fear tactics. Threats of criminal prosecution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Edfinancial is scheduled to take my student loan out of my account on the XXXX of every month. Their auto payment software malfunctioned and now their website claims : " We are currently experiencing extremely high call volume and longer-than-normal wait times. For faster service, please visit Studentaid.gov to see your student loan repayment options and how to apply for a lower monthly payment. '' Because of the extreme volume, no calls can get through and you are left in an endless queue. I am worried because I will be punished for late payment when the issue was caused by their own lack of competence. Edfinancial has yet to contact me.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX. 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 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 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 2022-03-22
Company: JPMORGAN CHASE & CO.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I went into a Chase branch and applied for the Freedom Credit Card at a Chase Bank on XX/XX/2022. The office closed before I could get a determination on my approval. I was given a number to call the following day, XX/XX/2022. I called the number on XX/XX/2022 to find out that I was approved for the card in the amount of {$6200.00}. I immediately asked for an increase of the the line of credit. I was told in order to increase the amount my credit would have to be ran and I would need to give permission to run my credit. I did give permission and was denied the increase. On XX/XX/2022 I went back into the Chase Branch to inquire as to why I was denied the increase. The staff put me back on the phone with someone from Chase that explained that I was denied based on the amount of time that I had the Chase Freedom Credit Card. I explained I only applied for the card on XX/XX/2022. I still didn't/do n't physically have the card. I then explained I would have never given permission to pull my credit, resulting in lowering my credit score if it had been explained that the determining factor to increasing the credit limit was based on the length of time I had the card, which I still currently don't have. The Chase representative on the phone then told me that my credit was NOT pulled on XX/XX/2022 when the previous representative asked for my permission to do a credit check. He then explained that he could run my credit on XX/XX/2022 while I was in the branch for the increase of the line of credit. I told him NO. After getting off the phone with the representative that day ( XX/XX/2022 ) I received an alerting stating that there had been a credit inquiry by XXXX on XX/XX/XXXX, and XX/XX/2022. Despite the representative telling me there had not been an inquiry on XX/XX/2022 and asking me to approve another inquiry. Chase Bank lied, and has proven themselves to be untrustworthy. I filed a complaint with them but I have no confidence in them to investigate the complaint. Not only did Chase Bank lie about making two inquiries on my credit report on XX/XX/XXXX and XX/XX/2022 I would have never given permission for the inquiry made on XX/XX/2022 if it had been explained that the determining factor for an increase would be based on the amount of time I had the Freedom Credit Card which I still don't have as of today XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX XXXX  ; XXXX, {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX {$3400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX XXXX {$6500.00} XXXX OF XXXX  ; XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1200.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. XXXX, Transunion, and XXXX are in direct violation of these codes by furnishing and reporting these accounts on my consumer 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 2023-11-26
Company: Regional Management Corporation
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Company gave original loan papers! 
Not what was told at time of pay off and they took my cashier 's check and paid off loan!!! 
I didn't have this 3-10 days if that!!! It was paid in full before the 30 days maturity date... on the cashier 's check it stated " LOAN PAID IN FULL '' With account number and all ... AND NOT 1 single other payment has EVER been made in over a year, but they keep me in great standings with my loan! Ironic! 
What even more ironic to me is its been a year!!! AND When I paid this loan in full with the {$1800.00} check I took up there to the branch office I have NOT made any other payment what so ever on that account at all, and they have never called me nor reported me for a late payment!!! Ironically on the cashier 's check from my bank paying this loan IN FULL it stated THIS ACCOUNT IS " PAID IN FULL '' with the account/loan number on it! Now, if I owed a balance on this loan and it wasn't paid in full like I was told at that branch, ( it's been over a year ) I think I would be called non stop, it would be reported to my credit as being late ( not in good standing ), and all ... the loan was paid in full like I was told, PERIOD! I just want it reported on my credit as being PAID IN FULL, as it is! It's been over a year, and I haven't paid not a single cent since I paid the {$1800.00}, paying it in full... so I don't know if they had a worker in the office that apparently didn't know their job and told me wrong, but I done what was told me and I PAID my loan in full not even 7 days of getting it ... the branch deposited and cashed the cashier 's check that stated " Paid In Full '' w/my Account/loan number on it so they was very clear on the fact I was paying off my loan!!! PERIOD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: FL
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:
Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: GA
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My student loans have been discharged under sweet v. cardona. My loans should be in administrative forbearance until the discharge is complete. EDFinancial has taken them off of forbearance and has a payment due in XXXX. I have called the federal student aid and EDFinancial. Federal student aid says they sent the information to EDFinancial. EDFinancial says they have the information. However, they have not placed my account into forbearance. I understand that the discharge takes time. Im fine with that. But I should have no payments. Im worried that Im going to run into even more problems with getting my refund from the discharge with how this has gone.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-11
Company: ENOVA INTERNATIONAL, 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:
WHOA!!! HOLD UP!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of items that are reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company NC FINANCIAL is using a stall tactic claiming that I am using a 3rd party to submit these requests and that additional authorization was needed. I am reopening my case offering my statement as proof that no such 3rd party exists in submitting my disputes. I've recently received notification from the credit reporting agencies that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entries that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should NC FINANCIAL refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I applied for a car loan today XX/XX/20 and I was not approved because apparently there are some accounts and inquiries that are reflecting negatively on my credit report. None of the items I listed on this report belong to me nor did I authorize anyone to open them in my name with my personal information. I have no idea who is responsible for opening these accounts on my behalf without my permission and I have already filed a police report. I did not benefit any money, goods, services or any other type of benefit as a result of these accounts/inquiries and I never made any payments towards these accounts. I am not affiliated to any of these companies and I never gave them permission to run or access my credit 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 explanation
Consumer complaint received 2023-11-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Chase Notorious bad practices manipulating information trying to sell me there XXXX credit monitoring XXXX providing/stating to correct such like the tell me I have late payments et ALL A XXXX XXXX  advertising no credit check preaproval credit cards etc then the pull a credit check anyway then deny stating bad previous bank relations as there trying to monopolise the banking system

Company response to consumer: In progress
Consumer complaint received 2023-11-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and fico score but they all wouldnt let me pull my credit report.

Company response to consumer: Closed with explanation