BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a checking account with Suntrust for many years. When the account was opened, there was no fee on the account. After the account was transferred to Truist, the bank started charging me fees {$25.00} per month starting in XX/XX/2022. I was not given notice that the fee would be charged and never consented to any changes to the account. I did not notice the fee until XXXX because I don't typically use the Truist account. When I noticed the fee being charged, I called Truist and requested to waive or credit the fee. I spoke with XXXX XXXX who stated that the bank will not waive all the fee but only {$50.00}. When I asked her to explain what had changed in XXXX that the bank started charging the fee before, she just repeated the same. Again, I never agreed to any fee, I never requested to change the type of account. The fee was imposed without any notice or the opportunity to object. 

The total amount of the fee was {$120.00}. Thus, there is a fee charged on my checking account of {$75.00} that was not credited. 

Further, because the bank used all funds in my account to pay the fee itself, it used my credit card to cover overdraft. It then charged interest on overdraft in the amount of {$1.00} and a late fee of {$20.00}. 

Thus, the total amount of unrefunded fees, interest and penalties is : {$75.00} + {$20.00} + {$1.00} = {$96.00} I request that the above amount be credited back to me. 

Regards, 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 monetary relief
Consumer complaint received 2018-05-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX in XXXX, XXXX, said they could help me reduce my mortgage payment considerably, lowering the interest rate and possibly eliminating behind payments via a Loan Modification. For over a year, their promises of assistance were wavering. They had me to file what they said would be " fake '' bankruptcies, and they would only be on my credit for two or three weeks. Definitely, this was false. I paid them {$4000.00} and they totally mislead me. 

I tried to contact them several times and discovered they were out of business. They scammed ppmany people out of thousands of dollars. ( XXXX XXXX-ADDRESS IS AT THE BOTTOM OF THE PAGE ) ______________________________________________________ Rushmore Loan Management Services XXXX XXXX XXXX, XXXX XXXX RLMS is charging exorbitant interest on the home loan, which was supposed to be a Loan modification. ( {$150.00} for the principal and {$1200.00} for interest. I am a retired XXXX on a very strict budget, and I am also a widow. I need a reduction in my mortgage payment. 
_____________________________________________________________ XXXX XXXX, Director XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions 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:
Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # XXXX XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( Equifax ) ( XXXX ) and ( XXXX ) are in serious violation also. Equifax, XXXX and XXXX fraudulently furnished account XXXX  XXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted.

( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, someone walked into the TD bank on XXXX XXXX in XXXX,  NJ, and withdrew a total of {$2500.00} from the TD bank checking account I share with my wife. I live in Connecticut and have never banked in NJ. Two withdrawal slips were submitted for {$240.00} and {$2300.00}, and my last name was wrong on both slips ( it was my wife 's last name ). My first name was also spelled differently ( and incorrectly ) on one withdrawal. My signature was forged badly, and inconsistently on each withdrawal slip ( one included my middle initial, and the other did not ). No amount was written out on the first withdrawal, and on the second withdrawal the amount written out was XXXX XXXX XXXX but the numerical amount was XXXX. The date on that withdrawal was also wrong ( " XXXX ) It appears the bank teller wrote out my account number, and also my drivers license number. It is not clear whether the teller had this information already, or was given it. After the transaction was approved, and someone walked off with {$2500.00} in cash from my account, TD bank froze the account -- apparently discovering the fraud too late -- but never informed me of the fraud or the fact that the account was frozen! As a result, several auto-pays I had set up from that account failed, and I was charged by the intended recipients for those failures. 

I reported the crime to my local precinct, and to the XXXX NJ police, but despite contacting the bank numerous times, I have yet to hear from anyone from TD bank 's fraud department, and yet to receive credit for the money stolen. 

It seems clear to me that the bank was grossly negligent, at best, and someone at the bank may have been involved in the crime. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: Porsche Financial Services, 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 this creditor has violated my rights! under 15 U S C 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 REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I just filed my 3rd dispute with TransUnion about the student loans showing on my credit report. I am XXXX XXXX  XXXX through Social Security. I went through XXXX to have my student loans discharged through XXXX XXXX XXXX XXXX ( XXXX ) Discharge. This was granted. My lender XXXX XXXX has my 3 loans closed. XXXX has my loans closed. TransUnion now shows 5 loans ( not 3 ) 2 of which are closed ( and duplicates ) and 3 open. They will not close the loans properly which is falsely reporting I have open Student Loans.

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 2022-10-22
Company: KLS Financial Services, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon receiving the very first mailed invoice from KLS Financial Services, I requested verification of debt validity, as is my right under the FCRA. This information was provided by KLS Financial Services in a letter dated XX/XX/XXXX ( well beyond the 5 days allowed for response under FCRA ). Once the response had been received, the account was paid in full within 30 days of its issuance. Before waiting thirty days from their letter, KLS had already reported the debt as a collections account to two credit reporting agencies by XX/XX/XXXX ( 15 days after providing verification ). I have already worked to dispute and remove the accounts from these agencies. 
When reviewing the accounts for dispute, there was a comment added by KLS stating : " Completed investigation of FCRA dispute- consumer disagrees ''. The only response I provided them to their debt validation letter was a check in the full amount. Not only did they not wait the proper amount of time to find out if " consumer disagrees '', they felt comfortable falsifying that claim within the comments of their premature reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-01-11
Company: TK Credit Recovery, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Re : Case Number - XXXX On XXXX I reached out to XXXX XXXX XXXX Legal Supervisor @ XXXX and XXXX XXXX inquire about the balance due for a Judgement that is against me from 2018. I did go to court for this matter but was not allowed by the XXXX to discuss the issue. The person that said I owe did not show XXXX times. To this day I do not know who I am paying and why this judgement is against me. According to XXXX XXXX, 10 % interest is accured on this judgement regularly as it now stands. The XXXX XXXX XXXX XXXX XXXX has ordered me to pay XXXX a month to make payable to XXXX XXXX XXXX. I have been paying this amount monthly. 
I send the money order to : Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 
Before I went to court I had an account with XXXX XXXX, XXXX XXXX. Approximately XXXX was in the account. A freeze was placed on my account and given to XXXX XXXX, which inturn released to this Judgement. I have all documentation and receipts regarding this issue. I have never seen this debt on my credit report. I just want to be treated fairly. XXXX XXXX refuse to let me know who the judgement is owed to. When I contacted XXXX XXXX I was told that they did not have the money at that time, I contacted the XXXX XXXX and was told they did not have the money, but I ended up in court and my fund was given for the Judgement, not completely sure what this is all about, but sure would like a clear understanding. I will continue to pay monthly. It is going on ( 4 ) years now and I have been very patient with the situation. Whats the secret, the average individual that works and have obligations desires to know how their funds are being allocated for bills and necessities of life. I do not think that I am asking to know something out of the ordinary. If I had clear details about this Judgement I wouldn't be filing a complaint, the issue is I don't and to talk to XXXX XXXX is not working, all he tells me is that I owe some money, and that I am in a Judgement and I can not go back court on it or get any assistance. I will highly appreciate your assistance in the matter

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
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:
XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Block, Inc.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 : I attempted to make a withdrawal from a XXXX XXXX ATM for {$900.00}. With atm fees and associated Cash App fees, the total was {$900.00}. All of the money was not dispersed, so I went inside to the bank ( XXXX ) and spoke with the representatives of the bank, who referred me to the number on the side of the ATM ( XXXX ). After speaking with XXXX XXXX representatives ( XXXX XXXX XXXX XXXX I was told that I would need to file a claim with Cash App, and they would confirm at the EOD if the monies were collected from the ATM. At this time, the Bank Manager also reached out to Cash App to speak to a representative and file a claim on my behalf. 
As directed, a claim was filed. 

Between XX/XX/XXXX, XXXX XXXXXXXX XXXX ( notably XXXX XXXX XXXX ) I followed up with Cash App ( XXXX ) via their chat support ( in-App ). Screenshots of these conversations can be provided if necessary. 
I was asked why I was contacting support, what transaction, did I file a dispute, etc., and each time I was told " I need to transfer your case to a specialty team '' or " We are unable to provide any more information about your dispute filed XX/XX/2023. '' XX/XX/2023 I received an in-App notification that my claim was denied. I immediately reached out to Cash App ( XXXX ) to request the information used to make this determination. I was asked for my email address, assuming that I can not be transferred or escalated to the dispute resolution or legal department. 

XX/XX/2023 Reached out to Cash App once again ( XXXX ), inquiring on the email with the information requested. I was once again met with " What is the best email to reach you? '' At this time, I asked who would be the agency to file a formal complaint to, and I never received a response. 

XX/XX/2023 Reached out again ( XXXX XXXX, and was told that it would take a few days for my request. 

XX/XX/2023 Received an email from Cash App with nothing but the transaction record ( which can be found in-App -- attached below ), stating that I had withdrawn {$900.00}. I reached out to Cash App once again ( XXXX ), who stated, " I'll need to transfer your There were no statements or mention of the bank reaching out, no mention of my own communication, etc., Just a one-liner. I immediately called the bank ( XXXX ) who once again filed a dispute with the company. 

XX/XX/2023 Reached out to Cash App once again via phone as detailed below : XXXX ( XXXX, CSR disconnected the call ) *calls are recorded Called back at XXXX ( XXXX, XXXX ) *requested to speak to a supervisor, and was again asked for an email address. 
I received an email response with the same general information from Cash App ( XXXX ) as attached below.

Company response to consumer: Closed with explanation