BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX charged my debit card without being authorized. I disputed the transaction with them and BB & T. My account was negative because of XXXX and BB & TS lack of crediting my account. BB & T then allowed XXXX to debit my account which clearly did not have the money and this was with my debit card the charge should have been denied due to lack of funds! Then BB $ T charged me a 36 dollar overdraft fee! This is appalling with everything going on now for this to be allowed!!! Thieves!!! 
overies for free XXXX Your cancellation is confirmed. 


CANCELLATION CONFIRMATION Your membership : XXXX. XXXX Membership Membership Expiration Date : XX/XX/2020 Confirmation number :

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 2022-05-25
Company: Bread Financial Holdings, Inc.
State: CA
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 listed account has violated my rights. 

COMENITYBANK/VICTORIA, acct # XXXX 15 USC 1681 Section 602 : States that I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: CA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I traveled to XXXX from XXXX XXXX XXXX and attempted to use my card. It was declined and then my account was locked. I have tried to contact them twice, on XX/XX/XXXX and XX/XX/XXXX. I have been told both times that my account is under review and someone will be in contact with me. They are unable to give me a timeframe when this will happen. When I called on the XXXX I asked about the process to close my account. I was told that this is not possible until they complete their review. This is ridiculous that I am forced to keep a credit card under my name that I do not want, with a company that can not provide basic information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit reporting agency Experian has multiple incorrect addresses on file for me. I have disputed it and they continue to verify it but again not true! I looked up one address and it belonged to a business!! But they refuse to reinvestigate it.

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 2021-04-19
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Let me start off by saying, I've been monitoring my Credit Report for the past 6 months because I'm in the process of purchasing a home. So, back in XXXX I contacted a debt collection company called XXXX XXXX they told me I had 5 accounts 1. {$140.00}, 2. {$81.00} 3. {$81.00} 4. XXXX  and 5. {$100.00} so I paid each one in full and they advised it would be deleted from my Credit Profile ( which it WAS ) until last week. I ran my Credit Report and it shows they reported the debt to XXXX  as XX/XX/XXXX. This is AFTER the debt has already been paid off. I called them and they were not trying to help me or get this issue resolved. I called the Credit Bureau and they said they only added the information back to the report which was requested by Aargon. This is totally unfair and deceptive business practice. I would like to know if there is something I can do to rectify this situation.

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 2021-04-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's been a year that I've been disputing this credit card off my credit report. The only response that I've been getting that it's verified. Well I want to know who verified it? Also I want to know were is my signature on the letter stating that I owe them. By law in 30-60 days if there is no response of proof stating that I owe them. It needs to be remove off my credit report! I am getting harass and I feel threatened for my life! I don't know anything about this account. Please remove it out of my life!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-24
Company: EQUIFAX, INC.
State: TN
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, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate, the date last active is inactive, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you are reporting on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. In accordance with the Fair Credit Reporting act section 605b, I am requesting you to please remove the following fraudulent accounts and information off of my Credit File : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$390.00} XXXX XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX, XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$2100.00} XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX. Please comply wit hthe Fair Credit reporting Act section 605b and have the disputed accounts and information removed from my Credit report as soon as possible.

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 2021-04-19
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. below i have listed several accounts that are recognized as fraud : XXXX XXXX XXXX {$660.00} date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) {$740.00} XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$400.00} XXXX XXXX ) XXXX XXXX$6500.00} 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 2022-05-24
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chime suspended my account back in XXXX while I was receiving unemployment from XXXX  my account has over {$900.00} in it and Ive did everything they have asked of me and sent in every document that they have requested from me but they will not release my account so I can get my funds and they will not close my account Ive been going through this with this company since last year and still have not received any help they tell me my documents are invalid when they are directly from the unemployment site I just want and need my money and they basically have stolen it from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital one auto is in Violation of my consumer rights, they have continually disregarded my disputes of inaccuracies along with not complying to my original dispute but have only stated the account has been verified.. although I have paid off the account in full and it is closed they are still showing late payments that are inaccurate and false this is affecting my consumer report they have had more than enough times to fix this false reporting which is playing a huge part in my credit score fluctuations causing issues with promotions at work and trying to buy a home.. I am extremely exhausted with this situation not having any justification or explanations to me the consumer please delete all PAYMENT that are hurting my report The CFPB states if your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. I have the documents proving that I made payment agreements and they still reported late which is a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a Bankruptcy on my Consumer Report that must be removed. I have sent multiple letters to get this issue resolved and i continue to be violated and ignored. I sent letters to XXXX, Equifax, and XXXX. Along with that, I sent a letter from bankruptcy court and XXXX that stated they dont report any information, especially personal information to credit bureaus. Also, i sent the letter from XXXX XXXX to them that shows that the bankruptcy will deleted and removed from there data base. SO where are they getting this false information from to report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$240.00XXXX XXXX XXXX Balance : {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Consumer Financial Protection Bureau ( XXXX ( XXXX ) XX/XX/XXXX Complaint : XXXX XXXX XXXX Wells Fargo Bank Its Successors and or/Assigns XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX WELLS FARGO BANK- XXXX XXXX XXXX WELLS FARGO BANK HAS IGNORED ALL RECORDED TELEPHONE CONVERSATIONS, AND FOLLOW-Up CORRESPONDENCES REGARDING MATTER OF LENDER PLACED INSURANCE OBLIGATION since XX/XX/XXXX ; including emails ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ) which I have kept record copy of all calls and documentation, including copy confirmed faxed from the local XXXX XXXX Branch # XXXX XXXX XX/XX/XXXX. 


Wells Fargo Bank has failed to provide credit for overcharges made to my account for the XXXX ( Lender Placed XXXX Insurance ) premium and policy coverage imposed for amount greater than my outstanding principal loan balance of ( {$21000.00} - XX/XX/XXXX ). 


No amount of XXXX insurance coverage was agreed to or otherwise authorized by me at any time for any coverage more than minimum obligation per loan contract- as written in the AGREED TERMS OF MY LOAN DOCUMENTS- Page XXXX Home Equity Closing Handbook ( effective 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 2023-11-16
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: Credit inquiries on your report that you don't recognize

Complaint:
un-authorized inquiries

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, I contacted the company, XXXX XXXX and spoke to a very numbed speaking man that I had to interrupt several times because he was speaking fast as to read the script, I stated I wanted a supervisor. He said, let me get you to who got to handle yo I told him again I asked for a supervisor. He then quickly said, it aint a supervisor issue and placed me on hold. I then called back, spoke to a RUDE and left to be desired supervisor named XXXX XXXX. She also wanted to rush me off the phone reading quickly speaking fast as ever and again when I stated I wanted to address the behavior of the previous representative, she tried to dismiss me and then tried telling me to PAY WHAT I OWE. 
I asked SEVERAL TIMES to speak to her superior and she said, oh thats not going to happen. I said I will call back, she said and you will get only me and refused to get me to someone over her. 
I dont know what kind of ghetto business this is, but clearly the issue is someone that has my information. But I will now address that this is Identity theft, AFTER I READ THE NOTICE AND LOOKED AT WHAT I CAN DO! So maybe you can save your company some money, make sure people see what they can do without having to deal with people like XXXX XXXX and representatives that are very comfortable in their ill mannered behavior. I hope XXXX XXXX supervisor can maybe get her some customer service etiquette and explain that this may not be the career move for her.

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 2022-11-16
Company: RockLoans Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2022 I, the consumer and natural person, was denied credit by XXXX XXXX XXXX when I applied for a Personal Loan through www.rocketloan.com Rocket Loans forwarded me an adverse action letter from XXXX XXXX XXXX denying an extension to my credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
Rocket Loans and XXXX XXXX XXXX  is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Company response to consumer: Closed with explanation