BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I move to XXXX XXXX as my marriage is being dissolved. 
On XX/XX/XXXX, the house sells. 
On XX/XX/XXXX, I opened a Money Market account to hold my portion of the proceeds from the sale of my home and transfer money from my checking acct to the new account as a security measure. 
On XX/XX/XXXX, I transfer XXXX from the new account to the checking account for the initial deposit as I open an account in XXXX XXXX with XXXX. 
Within an hour, my Money Market account is frozen and I am locked out. 
Since XX/XX/XXXX, I have called to inquire about my account access. The issue has been escalated half a dozen times and I am told someone from the back office or XXXX will contact me. 
Today is XX/XX/XXXX, and I still have to hear from someone who can address this. Including the assigned XXXX banker named XXXX XXXX as I have been told. 
All I ask is to be given the chance to prove that I am who owns this account and the transactions have been legit.

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 2023-05-23
Company: CAVALRY INVESTMENTS, LLC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from CAVALRY PORTFOLIO SERVICES, with Account # XXXX, indicating that there is an account in my name with a XXXX XXXX card that owes over {$1500.00} dollars. I have written to them multiple times to indicate that I do not have and have never applied for a XXXX XXXX credit card, that the account is not mine, that there must be an error or that I was a victim of fraud. I have asked them several times to tell me which XXXX XXXX store the purchases were made to show them that it was not me, but they do not send me the information. I maintain that I have never had or applied for a XXXX XXXX credit card. I request that they provide me in which stores the purchases were made, information that I have asked them several times and they have not provided me. They maintain the position that the information is correct, which I oppose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt should have been deleted from my credit years ago and once I tried to get verification that I owed them they couldn't show proof. 

Citi Financial Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A friend asked me to use Cash App to repay me for an item I purchased for him. The amount was XXXX XXXX 

I had a Cash App account but stopped using it because of problems with it. Also, at that time, I had the Cash app on another tablet that was since stolen, and a different debit card. I could not access my old Cash app account, so I opened another. 

The system would not let me access the account, the message was " unable to verify device. '' I tried multiple times over multiple days. After those attempts I used the chat feature for assistance. 

The chat clearly was not a human. The responses were too fast to be written out, and none addressed my problem. Many were boilerplate I followed the instructions, again, and again, multiple times. They asked me to do the same thing, which lead to the same result. 

I asked for a human, and to have a human guide me through what to do. XXXX did identify herself as a human. 

No success. I responded that I was going to get my friend to back the transaction out so he could pay me directly. 

He gave me the Identifier : # XXXX, the date was XXXX XXXX account to pay was # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CITIBANK, N.A.
State: TX
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:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a 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 2023-04-19
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Subject : Rescission of contract due to non-enforceability and refund of down payment and all payments made. 

Dear Santander Consumer USA, I am writing to demand that you rescind the contract that I signed with your company for my auto loan and refund all payments made towards the loan agreement. As per my understanding, the contract is non-enforceable due to my breach of the contract by defaulting on the loan payments. Therefore, I request that you return all payments made towards the loan agreement. 

I am aware that the doctrine of anticipatory repudiation allows for a contract to be considered void if one party breaches it before the contract has been fully performed. In this case, I breached the contract by failing to make the loan payments, making the contract non-enforceable. As a result, I have the legal right to rescind my signature on the contract and demand a refund of all payments made. 

Furthermore, I demand that you remove the account from my credit report and delete the inquiry. Under the Fair Credit Reporting Act ( FCRA ), you are required to provide accurate and complete information to credit reporting agencies. Since the contract is non-enforceable, you are not authorized to report it to credit reporting agencies, and doing so would be a violation of the FCRA. Therefore, I demand that you remove the account from my credit report and delete the inquiry immediately. 

I am well-informed of the legal standing on this matter and I will not hesitate to take legal action if necessary. It is my right to rescind the contract and receive a refund of payments made due to my breach of contract. If your company fails to comply with my demands, I will be left with no choice but to take legal action against your company. 

Please acknowledge receipt of this letter and confirm in writing that you will comply with my demands. I expect a prompt response from your company. 

Sincerely, XXXX XXXX References XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: MO
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:
Due to the Equifax data breach, there's fraudulent inquiries reporting on my account. Please remove the following fraudulent unknown and unauthorized inquires on my credit file. 

1 ) XXXX XXXX ( XX/XX/XXXX) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX) 3 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX) 5 ) XXXX XXXX ( XX/XX/XXXX) 6 ) XXXX XXXX ( XX/XX/XXXX) 7 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX) 8 ) XXXX XXXX ( XX/XX/XXXX) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX  ( XX/XX/XXXX)

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
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: Account status incorrect

Complaint:
Hello! 
My credit report from Experian, XXXX, and XXXX  all reported 9 delinquent charges from the same collection company : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX The flag/delinquencies are FALSE. I took care of these bills directly with the hospital XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was after I filed for finanical assistance and received 100 % discount from the hospital as noted in the attached letter to this file. I submitted this letter to XXXX the collection agency, who informed me the charges would be closed. Yet I come to find out today, as of XX/XX/XXXX this collection agency STILL reported 9 hits agaist my credit score for the same account, deducting my credit score by 120 points. ( Went from XXXX to XXXX credit score in less than 30 days ). 

This is DIRECTLY EFFECTING my ability to purchase a home that I am currently under contract for and my ability to get the loan my mortgage lender has submitted for me. I can not have this false reporting negatively impact my future. Please 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 explanation
Consumer complaint received 2022-12-23
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: Account status incorrect

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 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 2022-09-15
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.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 an account without my written instructions.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.

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 2020-11-03
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: Problem with personal statement of dispute

Complaint:
The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2020-09-17
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: Account status incorrect

Complaint:
Hello! 
My credit report from XXXX, Equifax, and XXXX all reported 9 delinquent charges from the same collection company : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX The flag/delinquencies are FALSE. I took care of these bills directly with the hospital XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was after I filed for finanical assistance and received 100 % discount from the hospital as noted in the attached letter to this file. I submitted this letter to XXXX the collection agency, who informed me the charges would be closed. Yet I come to find out today, as of XX/XX/XXXX this collection agency STILL reported 9 hits agaist my credit score for the same account, deducting my credit score by 120 points. ( Went from XXXX to XXXX credit score in less than 30 days ). 

This is DIRECTLY EFFECTING my ability to purchase a home that I am currently under contract for and my ability to get the loan my mortgage lender has submitted for me. I can not have this false reporting negatively impact my future. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions Inc.
State: ID
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:
This issue is an existing problem which XXXX, Experian and XXXX  weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
This issue is an existing problem which XXXX, XXXX and Transunion weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: ID
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 do not owe XXXX/XXXX XXXX****.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Comenity Capital BankXXXX XXXX , 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 218 15 USC 1666B : A creditor may not treat a payment on a credit card account under an Q 8 open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: GA
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 do not recognize the following unauthorized inquiries : XXXX XXXX XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 )

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 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I noticed that my daughters student loan was listing me as the individual owner of the loan. I have not attended college and was only the cosignor for her- To date nothing has been done to change this nor remove it until it is accurately reported. It was reported to TransUnion and should not take this long as I have not and do not attend College I am only the father of the child who did and she applied not myself.

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: AMERICAN HONDA FINANCE CORP
State: DE
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:
As of XXXX XXXX American Honda Financial said that they are going forward the information to a collection agency because of the Fair Credit Act they will pause on pursuing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX IS REPORTING A {$35.00} BALANCE AS A PAST DUE 30 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 non-monetary relief
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: IN
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 have a right to privacy and I never gave any one written permission to report these accounts on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I stopped using my american express card 4 months ago and american express actually you owed me money {$210.00} which paid back and they still owe me cash back money. Today I get a balance for {$3600.00} under " adjustments '' so I called amex and they could not give me an explanation of what those adjustments were coming from so they gave me a reference ID number XXXX and that it will take up to weeks to resolve this investigation. I have not used this card in 4 months, where are these adjustments coming from? 6 to 8 weeks to resolve what? unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-30
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
gulf coast collection agency called me at XXXX on XX/XX/XXXX saying that I owe an unspecified amount of medical debt to XXXX XXXX. Payments have been made regularly to This hospital and I am dealing directly with them. Gulf coast has sent no written notice to me. 
The person that called said " If you do not pay, I will have a warrant issued for your arrest. '' The person was male but did not give his name other than the above mentioned company.

Company response to consumer: Closed with explanation