BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with Truist Bank on XX/XX/2022 at the branch located at XXXX XXXX XXXX XXXX, FL XXXX with XXXX XXXX XXXX I emailed XXXX XXXX two forms of documentation to verify my address and I also provided her my passport in person to verify my identity in order to open the account. On XX/XX/2022, I called and opened a savings account over the phone. Shortly after doing so, I deposited XXXX into my Truist account. On XX/XX/2022, I tried to use my debit card and it kept declining. I called Truist and that's when I was told my account was closed because I didn't verify my address, even though I know I did that when I initially opened my account in the branch. This bank has done nothing to help and now my money is being held and I have no access to it. If it isn't rectified through these complaints, a lawyer will be getting involved XX/XX/2022

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 2021-05-17
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Square card on XX/XX/21 let someone charge a Total of {$5000.00} as if it were me charging on the app.They then virtually let the person order a Square card and transfer funds to it. They attached it to XXXX XXXX  on their phone and went on a shopping spree. When I saw this I alerted Square and was explained that I would not be responsible for any of the charges. On XX/XX/21 I was helping a friend out with an estate sale and rang in {$1800.00} in sales. When it went to my account for deposit only {$1100.00} went over. I looked at the account and it showed four of the fraudulent transactions were disputed and subtracted from my balance. The amounts in question are {$180.00}, XXXX, XXXX and XXXX totaling {$770.00}. I have spent hours on the phone with dozens of reps and no one seems to be able to resolve the situation. They have told me everything from we owe you nothing, get a lawyer and even told me I credited the accounts back. Please help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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:
Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken XXXX, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the XXXX language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-04-05
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was behind on my mortgage payments, on XX/XX/XXXX I called Freedom Mortgage and asked what the total due was to bring my account current. I was given the amount {$14000.00} ( this was the amount on the XX/XX/XXXX monthly bill ) which is what I paid. I also received a new bill on XX/XX/XXXX which I disregarded as I was told I was paying everything to bring my account current on the same day. My monthly mortgage payment is {$1500.00} going forward. I made another payment of {$780.00} on XX/XX/XXXX to break up the mortgage payment so I could continue to stay current. I just received my XX/XX/XXXX bill with the total due of {$1900.00}, this includes my monthly mortgage payment and also {$390.00} in " unpaid late charges ''. I contacted Freedom Mortgage today XX/XX/XXXX as I was confused how I could owe {$390.00} in late fees when I was told on XX/XX/XXXX that to bring my account current I needed to pay {$14000.00} which I did. I was told that the " unpaid late charges '' don't get paid due to how the payment hierarchy is and that they will become due at the end of my loan ( or when I pay my loan off ). As a consumer I am not understanding how Freedom Mortgage can be false/misleading regarding " unpaid late charges ''. If I was past due for half of XXXX into XXXX how are not ALL " late charges '' showing on each bill or factored in when bringing your account " current ''? From my understanding these " unpaid late charges '' are not being paid until the end of the loan, if that is so why are they showing on my current bill that is due in XX/XX/XXXX? I am struggling as it is to make my mortgage payment, Freedom Mortgage needs to provide accurate billing, how are " unpaid late charges '' being added after you bring your account current. When calling to inquire about the " total due to bring the account current '' why would " unpaid late charges '' not be included in that?

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 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 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 2021-05-17
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today, I explained to the debt collector that this was a fraudulent account setup using stolen personal info. I also explained that at the time this account was opened XXXX XXXX XXXX, I had been working in the XXXX for three years. I did not find out about this account until XX/XX/XXXX, through contact from a debt collector claiming to have bought the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: HARRIS, KLEIN ASSOCIATIES, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company by the name of Harris, Klein Associates, Inc called me stating that a flight that I took back in XXXX 2017 with XXXX was not valid because the credit card was declined. They told me I owed more than double the cost of the flight. I could n't find much information regarding the company, only that they had a website but no reviews and they are not accredited with BBB. They are saying that me and my girlfriend owe {$460.00} each for flights that were only {$600.00} total to begin with. I do n't feel this is valid but wanted to confirm this is valid. 

The company is located at XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX or ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
These were a corporate accounts and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX, Equifax and XXXX Credit bureaus are willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove these fraudulent accounts immediately. 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 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 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 explanation
Consumer complaint received 2019-07-03
Company: Phoenix Financial Services LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I went to the XXXX XXXX Department. XXXX XXXX XXXX never sent this to my insurance and sent my bill straight to XXXX XXXX XXXX. I paid the bill in full and asked to have this removed from my credit, which they did on XX/XX/XXXX. In XXXX of XXXX, i repeatedly got letters from XXXX Phoenix Financial services . I submitted this and again this was taken off my credit report. On XX/XX/XXXX I was reimbursed by my insurance because I had paid the entire bill four years ago and was told by my insurance that, again, they never submitted a bill to my insurance. This has showed up on my credit report for the third time and has harmed my credit along with Phoenix Financial constantly sending me letters and collection calls. Please have them remove this from my credit asap. My credit score has dropped significantly. Thank you for your continued help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: PA
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 have attempted to file a dispute on the Equifax website many times. Each time, even though I am entering the correct information, I am receiving an error message that my entry ( s ) do not match their records. 

Let me point out that prior to this string of errors messages, I had been able to file a dispute entering the same information. 

Also, I have sent emails as instructed by their error message with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Someone had pulled hard inquiries without my permission XXXX   1.XXXX/XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX  1. XXXX XXXX  XXXX  XX/XX/XXXX-XX/XX/XXXX 2.Citi Cards CBNA 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 2021-05-17
Company: Happy Money, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My name is XXXX XXXX, ID XXXX : XXXX. With Due respect I would like inform you that As per my loan application, The Company named Payoff approved my {$25000.00} loan on XX/XX/2021. On XX/XX/2021 I called and requested an pay off associate to schedule for receiving {$20000.00} from my Checking account. He scheduled it for XX/XX/2021, and fund was transferred successfully on time. Then on XX/XX/2021 I called and requested to settle my full loan amount immediately, means taking the balance amount from my checking amount ASAP. I had requested the Manager, If it is not possible for XX/XX/XXXX okay then please schedule/settle it for next day ie XX/XX/XXXX, So that I could save at least 1 day, s interest. But she refused to schedule it for XX/XX/XXXX, She schedule it for XX/XX/XXXX, and Charged XXXX from my checking account, of course with my authorization, I was bound to do so, as she refused to settle upto XX/XX/XXXX, My Question is it really company policy that I cant settle my Loan on same or next day, I have to wait 2 more days! 
I doubt what manager did! I guess there is something wrong! Because there is a option on web to settle or payoff in full on next day! May be Im wrong, But I need to know based on which terms she did it to me, Under the above circumstances I got a reply from them, that is as below I apologize that we were unable to schedule the payment on the same or next business days, it's not something a manager can override as it is a system limitation would you please check is this system Limitation is legal? I just want to know that whatever the did using their system limitation is permitted by law. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/22, Wells Fargo Close my saving account for no reason and with out warning.

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 2019-07-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I Spoke with american express, they wrote off my debt and told me the account was closed, 2 years later im getting 2-3 phone calls a day saying the account is in collections and that i owe them the money, I cant get anyone on the phone to speak to after i request i speak to a manager and when i try to explain what happened they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: MARINER FINANCE, LLC
State: NJ
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:
On XX/XX/2019, Mariner 's Finance Bank made a hard inquiry without my prior authorization. I contacted them to inquire about this and they said they were allowed by law when the account is being sent to an attorney for collections but I never received a letter of intent for these actions to proceed. I am very upset that this was done without my prior notification and authorization.

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 2021-11-30
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have contacted all 3 credit bureaus as well as the collection agency to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " ARCADIA '' ... ... all 6 times that ive challenged it has come back verified as accurate ... how is this possible? I've always had insurance and i do not recall this debt at all ... ..looking at this account it has been re aged to mess me up and thats a violation ... ... ..i have attached a copy of the report with both accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Fraudulent account identity theft XXXX XXXX XXXX XXXX ct Open XX/XX/17 Amount XXXX Account number XXXX Account was previously deleted and then reappeared back on Equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: UT
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, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - XXXX XXXX keeps reporting lates erroneously on my credit report and I have never received a notice for any of these collections. We have health insurance, and do not owe this debt. These need accounts need to be removed from my credit report 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 2019-02-01
Company: BlueChip Financial
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a loan from XXXX XXXX  for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. XXXX is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: ResidentCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 I was notified by my identity protection company that I had a new collections account. This showed up as Innovative Recovery. I had never heard of or done business with this company nor have I ever received any contact from them stating I owed a debt. When I contacted them they claimed this debt was for an apartment at ( XXXX XXXX XXXX ) an address I had not lived in but for an apartment company ( XXXX XXXX XXXX ) that I lived at over 4 years ago. XXXX XXXX XXXX has a completely different address and zip code. XXXX XXXX   XXXX also claims I have no debt with them nor have I ever. When I asked Innovative Recovery for verification of debt, they sent a statement with bogus charges for dates I didnt even live at the supposed complex. Again, the address on this statement is an apartment I did not reside in. 
Next they sent me a bill that looked like a bill a magazine subscription would give you. Complete with a fill out your card information and send it back section. 
Then this company began calling my cell phone, my parents landline, and my mothers cell phone. They continually try to offer to settle for a lesser amount then they are claiming I owe. I never gave them mine or my parents contact info other than the address to send the verification of debt to. I sent a stop contact letter because this debt is not valid.

Company response to consumer: Closed with explanation