BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contacted Suntrust, which is now truist back in XXXX about fraudulent activity involving XXXX purchases, I never made. My case ID was XXXX. I was later told my claim was denied and my account was closed shortly there after. They say one has nothing to do with the other, but its there bank and they can close an account at their discretion. Fine. However, I have been fighting for going on XXXX years with XXXX to retrieve my funds back. I filed an FTC report, XXXX report, etc. finally as of Friday, XX/XX/XXXX, of XXXX, an XXXX corporate office representative called me and expressed their remorse, they looked into everything and said, they would be more than happy to return my funds, however, they never received a chargeback request from Suntrust now truist. Thats right for 2 years I have been in the battlefield fighting to get my funds back from XXXX, and my bank at the time, NEVER even sent a chargeback request to XXXX on my behalf. Furthermore, the agent verified that the address the items were being sent to, was different than my address I gave. The agent said their was very little they could do, without receiving something from my bank at the time SUNTRUST ( XXXX ). I worked my butt off for my money and Suntrust did an independent investigation, and not once did they request anything from XXXX, or request a chargeback. The XXXX agent said they cant just issue any refunds because it has to come from the bank, and i definitely understand that. This entire time Suntrust had me thinking XXXX denied my chargeback. Ive spent XXXX years learning and understanding the banking system, just to figure out how to retrieve my hard earned funds.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  Account XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AN1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX charged to my account {$270.00} which was unauthorized. I called and canceled trail period in time. Out of the blue with out notice they charged my card causing XXXX over draft charges at {$25.00} each. Putting the total XXXX XXXX owes is {$350.00}. I was forced to use them while applying for a loan. As soon as I was done I called and canceled the trail period for {$1.00}. This is a scam derived to charge people for services when they have been cancelled.

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 2021-07-06
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for Mariner Finance Loan on XX/XX/21 did not hear anything until today XX/XX/21 saying it was denied but was a soft inquiry so it would not affect my credit. Sure enough this company lied and they did a hard inquiry on my credit on XX/XX/21. Not only are they lying to customers, but this company is also not responding to my questions and refuse to tell me why I was denied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a pre recorded voice message ( robo-call ) from a debt collector representing Synchronicity- 64.1200 ) prohibits automatic dialers with prerecorded voice messages from calling residential phone lines without the prior express written consent of the called party unless the call : is made for an emergency purpose. isn't made for a commercial purpose. 

When a representative joined the line the caller began recording the conversation without requesting permission which is a violation of Maryland 's wiretapping law- Under Maryland 's Wiretap Act,10402. it is unlawful to record any private in-person conversation or any telephone or electronic communication unless you are a party to the conversation and have the permission of all the other parties. Additionally, recording with criminal or tortious purpose is illegal, regardless of consent. 

I immediately advised the caller that they were in violation of these regulations and that I did not want to be recorded, however they did not cease the recording. I advised them that they were to cease and desist all attempts at contacting me. 

Following this I received a message that my account at amazon had been accessed and my phone number had been removed, so it appears the caller accessed my personal information on file with Amazon & removed my phone number from my profile, which they did not have permission to do.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$14000.00}

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
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I have disputed with Experian several times via mail, internet and phone. They send me emails about the FCRA, and today XX/XX/2023 they sent me an email that my dispute results are ready from disputes I filed last month XX/XX/XXXX and XXXX 2023. Upon clicking on my results, it is still highlighted orange meaning it is still pending. It has been over 30 days, and according to the FCRA you have 30 days from the time a dispute is submitted to respond by verifying, updating or removing the said information. If you can not verify the information or complete an accurate dispute in 30 days, then you must delete and remove said items from the consumers credit report. It has been more than 30 days and no results just a bunch of emails. This is hindering my credit and my ability to secure housing and jobs. Please remove this information immediately

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 2023-06-30
Company: Experian Information Solutions Inc.
State: IL
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:
Accounts were fraudulently opened in my name and illegally reported to XXXX upon request to remove information with legal proof such XXXX police report ftc report ect and is still reporting fraudulent information after I sent in correct information for investigation

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 2023-09-09
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. ) It is impossible to get in touch with an actual person to get information about my student loans.

2. ) The information regarding % of income considered for payments. The website says XXXX XXXX but it should be XXXX XXXX.

3. ) I am unable to tell how much of my balance is past interest.

4. ) There is no record of any of my past payments in the last 20 years so there is no way for me to verify that information 5. ) I received a paper bill in XXXX statin there was a balance due this month when there should be no payments until XXXX. Mohela is trying to scam borrowers 6. ) I believe my expected payment amount of {$440.00} for the next XXXX months is inaccurate but I am unable to connect with anyone at Mohela to verify this amount.

7. ) Mohela is not communicating any meaningful information about borrowers information, options, or what they are legally required to provide and do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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: Their investigation did not fix an error on your report

Complaint:
i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies TRANSUNION, XXXX  and transunion are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...

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 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 2022-08-10
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEP ED XXXX US DEP ED XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEP ED XXXX US DEP ED XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-30
Company: Experian Information Solutions 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX  and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2019-07-12
Company: SYNCHRONY FINANCIAL
State: IL
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:
For some odd reason XXXX believes my card was fraudulently opened. Once I got that straightened out they turned it back on and I was able to use it for a day. Then all the sudden it has been reported as " lost '' according to them. To which I have to call the fraud department to get it fixed. This is an ongoing problem that needs fixed, and resolved! I have not reported it stolen, I have it in my custody, I am looking at it as I type this complaint. Nobody seems to be able to help, It is very embarrassing to go to use a card that you know has plenty of money on it for it only to be cancelled unbeknownst to you. Yet they sure are happy to take my money for a payment!

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 2021-08-17
Company: EQUIFAX, INC.
State: NM
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:
In XX/XX/XXXX I found that the property management company from the apartments I recently moved from sent an item to collections without notifying me of the debt. I had been told previously that I owed nothing further and had left a forwarding address. I was also told this debt was for utilities billed for a time period after I had already moved out, turned in my keys, and terminated the lease. 
I did contact the collections agency at this time. They informed me that there is nothing they can do, that I must contact the property management. That it was there responsibility to inform me of the debt. This is something that never occured. 
The property management told me that they have no control of it. That the debt was already sent to collections and even though they made a mistake, they could not get it removed from collections. That that is the responsibility of the collections company. 
I disputed this debt with XXXX, XXXX, and equifax. 
XXXX and XXXX  took immediate action and removed the item from my credit report. 
Equifax stated the item was removed. However, at the beginning of XX/XX/XXXX, I found that the item was still there. I disputed the item again. The item is still there although the dispute has been completed. I am unable to view the dispute results. The pdf will not open, error messages occur when I attempt to open it. 
This is not my debt. I have disputed it again. Equifax is failing to investigate or take action regarding this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: CO
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 report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name - XXXX XXXX XXXX XXXX XXXX -ACCT # XXXX ; Acct name : Dept of Education/XXXX Acct # XXXX ; Acct name XXXX XXXX XXXX ACCT # XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX XXXX Acct name XXXX XXXX XXXX : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Ref # XXXX ; XXXX XXXX XXXX, XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX 15USC 1681 section 602 A. states I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years, 15 USC 1681a-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 explanation