BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am the victim of twXXXX financial crimes perpetrated on XX/XX/2023 in the amount of {$2600.00} and {$2900.00} involving your bank. I filed a fraud claim on XX/XX/XXXX at my local branch in XXXX managed by XXXX XXXX ( see attached ). I received a letter in the mail from your institution yesterday stating that your institution intends to honor these transactions and to allow the criminals who perpetrated these crimes to keep the money belonging to me that your institution gave them. 
I called the only Truest number available to me that anyone would answer, and was provided the attached document as evidence of an investigation. I spoke with someone named XXXX XXXX who was identified as a supervisor for financial fraud, and he told me there was nothing he could do and I should drive to my local branch and see if they could help me. He also indicated that this was actually my fault for not noticing it sooner. I asked to be put into contact with whomever investigated this crime. I was told I could not contact them nor would they contact me. I asked for the investigation report, and all I was provided was what I attached to this e-mail, which is clearly not a 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 monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, Equifax, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: ERC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX XXXX XXXX I received my first debt collection notice from the company ERC ( original creditor being XXXX ) dated XX/XX/2021 with my UPDATED XXXX, IA address at that address location. I contacted ERC on XX/XX/2021 disputing the collection in question and requesting validation of the debt, at this time the company advised me they had an old XXXX XXXX, IA address on file so I gave them the updated XXXX, IA address that they had mailed the collection notice to. 

On XX/XX/2021 I called ERC again to check on the validation request, I was again advised they only had my old XXXX XXXX, IA address and I again advised of the XXXX, IA address. I was also advised that they had not received anything from XXXX at that time in regards to the validation of the debt. 

I followed up again with ERC on XX/XX/2021 twice due to the first representative disconnecting my call, and both representatives still only had my old XXXX XXXX, IA address. I was advised that they had still not received from XXXX not sent me validation of the debt in question. Since it was now passed 30  days from my initial dispute/request and they failed to provide validation I requested the debt be removed/closed. After escalation I was transferred to speak with the " Office of the President '' of ERC but received their voicemail. I left a message and when I heard nothing back a few days later I called the " Office of the President '' again complained about the call center not being able to update my address and that I wanted this debt closed since they could not provide me proof/validation. I was told I would need to speak with XXXX about having the debt closed and why they were failing to provide validation. 

On XX/XX/2021 after receiving nothing from either company since XXXX 's discussions I contacted XXXX. I explained the situation and was just advised that I would need to contact ERC and work with them only. I called ERC on XX/XX/2021 and was advised they still only had my XXXX XXXX, IA address and that they did try to send me the validation in XXXX, but I never received anything from either company, I am speculating it would have been sent to the bad address they could not seem to change/update. 

I do want to add that this company, ERC kept advising me that they are not a collection agency and therefor couldn't close the debt. I find this hard to believe since their disclosure on the phone and on their Collection notice letter states " This is a debt collector attempting to collect a debt... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On Sunday, XX/XX/XXXX, I attempted three times to use my Cash App debit card to send {$1.00} to XXXX to clear up a balance due with that company. The transaction was declined three times and the only explanation given on the app was that it was done for my protection. When I contacted cash app through their chat feature, I was told that I would not be able to use my card. I then asked why my card had been suspended and explained that this had some very serious consequences for me in terms of Getting By day today. The person I spoke with and his colleague both repeated the same line that they had no further information to add and that I should read the terms of service. I called the customer service line shortly after it opened at XXXX XXXX. And spoke to another person who repeated to me again that they had no information to add and that I should read the terms of service. I spoke to the night manager, and was told the same thing. For sending funds to one of their competitors, and I asked why they had no problem with me receiving funds from XXXX, and that to a reasonable person this might smack of Restraint of trade. The night manager told me that I could expect an email Within 15 minutes approximately from her Superior. I received an email from the managers Superior, identified only by the name XXXX, and was told that I would not be provided any information and that I find another alternative means of paying off the XXXX debit. I once again said that this was a catastrophic decision for which I have been given no explanation and that I needed her to put me in touch with someone who would with the authority to grant me relief from the catastrophic consequences of their company 's decision. I received a curt reply telling me that there would be no further Communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX, XXXX XXXX  sent me an alert stating that a hard credit inquiry on my had been done that day at Bank of America XXXX XXXX XXXX Texas XXXX This was not me. On Monday, XXXX XXXX, I contacted Bank of America. They told me they had run a hard credit inquiry on my name and my Social Security number the day before. I told them this was fraud ; that I had not applied for any credit cards with their bank or any other bank. I do not bank with Bank of America. They told me. they would cancel the application and mark it as fraudulent. 

However, on XXXX XXXX, XXXX, I received an email from Bank of America telling me my credit card was on the way and to activate it when I received it. The email stated they had sent the credit card to a town in Florida. I contacted Bank of America who deaden any knowledge of this email On XXXX XXXX, this credit card from Bank of America appeared on all three of the credit reporting agencies under my name and social security number. The credit reports all showed this account as being opened on the XXXX or XXXX of XXXX and showed it to be open with XXXX balance. 

Someone has stolen my social security number and is actively trying to use it to apply for credit. I have frozen my credit with all three of the credit reporting agencies and have informed them of this fraud.

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 2023-11-02
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This inquiry is not mine XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23
Company: EQUIFAX, INC.
State: WA
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:
I have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am having problems with my Macys credit card account number ending XXXX on monthly interest charge. I contact the customer service and try explaining that I was over charge finance charges on my account they hang up the phone on me. Previously in XXXX I had more balance and paid less finance charges. I strongly believed that these companies are ripping off innocent people who dont check their account on regular basis. I kindly ask to open an investigation on this matter as soon as possible. Thank you.

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 2023-08-22
Company: EQUIFAX, INC.
State: TN
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:
I am a victim of identity theft. My id was stolen from my car and was used to get loans and credit. 

These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct dispute process is not being done and I am not getting copies of the dispute process per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: SC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a homedepot credit card that I opened to replace window in my home had an introductory rate of 0 % for 24 months. When I opened this account I was under the understanding that when the promo rate expired then I would be charged 25.99 % in interest. I got my latest statement and was fuming to see that they are charging me XXXX in interest. I have a balance of XXXX on the card this interest is more than half the balance. I called and spoke to a representative and stated there is a mistake in interest fees. She told me they calculated the interest from the start of the promotion to when it expired and it was cumulative, I said this is more than half the balance of the card and was unaware they were going to do this. I states if I look at the interest this is not 25.99 % its more like 50 %. She said she would not help me. I looked at my statement and read how they calculate fees and it is not clear anywhere that they Accumulate interest on any promotional balances. First this company is not honest in there promotions and what they do with them, second I took a look at my credit limt on the account they lowered it from XXXX to XXXX no notification at all no letter, no email. Second this takes me over the credit limit all the time where I would get charged an over the credit amount fee. Why would anyone in there right mind agree to a promotional rate and then pay an exorbitant amount of interest when that runs out.I thought it just went to 25.99 % interest when it expired. I need help with this company I feel s ripping me off.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-21
Company: EQUIFAX, 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
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:
I received a thank you feedback email from Experian indicating if as a representative named XXXX had worked with an imposter and reviewed my account. Upon calling Experian, they weren't able to identify where the action came from. However, additionally, they were able to tell me someone had access to my account via an XXXX computer, of which I don't own through previous transactions logs. Per confirmation with Experian, when a caller calls in, all they would need to provide is the person 's name, social security number and birthday and any imposter can review the account as long as they have all the correct information. I've also submitted a security freeze online. If Experian has a system that sends a verbal code to the owner 's phone whenever a password needs to be reset, why hasn't the second level of authentication been added to prevent imposters.

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 2023-11-02
Company: EQUIFAX, INC.
State: MI
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 XXXX Account 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, 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:
Theres credit cards in my name thats on my credit reports I want removed due to being open in my name, XXXX credit card, XXXX credit card, XXXX XXXX account Im being sent information about it might not reflect yet on my credit reports but Im being sent information about it please block this information, XXXX credit card, please delete this information in all three credit bureaus, my information is being used to open accounts in my name that Im unaware about, do not put any fraud alert on my credit reports I do not want that, and XXXX XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed and am still disputing this late pay with XXXX XXXX. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay XXXX XXXX Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the XXXX representative who assisted me, as well as the the TAX office person who assisted me. This XXXX representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, XXXX was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. XXXX is saying this is returned check, which is not true, as the money was already in escrow. Im asking XXXX to do the simple and right thing, and remove this one late pay as they promised. Please talk to the XXXX rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.

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 2023-08-19
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$440.00}

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 non-monetary relief