BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I EXPERIENCED SEVERAL UNAUTHORIZED TRANSACTIONS, THAT WAS CHARGED TO MY CHECKING ACCOUNT. THESE CHARGES WERE FALSIFIED BY, TME ( XXXX XXXX XXXX ) IN THE AMOUNTS OF XXXX, XXXX,XXXX AND XXXX.THESE CHARGES CAUSED AN OVERDRAFT ON MY ACCOUNT, IN THE AMOUNT OF XXXX. I FILED A FRAUDULENT COMPLIAINT WITH TCF BANK, THE COMPANY PUT ALL OF MY FUNDS BACK IN MY ACCOUNT, HOWEVER, TCF REFUSE TO WAVE THE OVERDRAFT FEE. I SPOKE WITH A BANK REP. AND A MANAGER, WHO REFUSED TO WAVE THE XXXX FEE. IN FACT THE BANK REP. THAT FILED THE COMPLIAINT ( XXXX ) STATED THAT ONCE XXXX XXXX, REFUNDED MY MONEY BACK INTO MY ACCOUNT, THEY WOULD WAVE THE OVERDRAFT FEE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}.

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 2018-07-09
Company: U.S. BANCORP
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:
I took out an auto loan on XX/XX/17 the car was totaled XX/XX/2017 I made payments from XX/XX/2017. I spoke to the insurance Co and they said they were sending a check and I would probably be getting a refund for the extra payment I made. Insurance company sent a check to the bank it was cash XX/XX/XXXX so did XXXX for the extra items I have purchased both checks were cashed. I applied for another auto loan with US Bank I then get denied because they said that I was late three payments I asked them for details which took a very long time to get. I called the insurance company to make them aware that the bank said they did not receive a check from them so they that same day cancel the check and re-issue another check I didnt get a letter from US Bank telling me that my bank and stop payment on the original check that they claim they never received And they were reporting me again. I asked what I could do to get this cleared up they said I could pay it off so I did pay it off then I got reimbursed after they get the additional check from insurance company and they also found the check from XXXX that was cashed and just not posted to my account and thats exactly what happened with the insurance companies first check. They refuse to take responsibility for not posting my account correctly and they refused to correct the remarks on the credit report They calimed they sent me a letter which I have asked for a copy and still havent received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX my husband went inside our local Truist Bank to make payment on our car loan. In XXXX they started calling saying they had not received the payment. We spoke with a representative and told them we paid what date, and the amount. We also on XX/XX/XXXX at XXXX emailed them proof we paid. XXXX came and the same issues. XXXX came with the same issues. XXXX my husband went inside the bank to speak with the bank employee XXXX XXXX who assured us this would be resolved. Meanwhile, we were receiving collections calls every day all day. XXXX still no resolution and my husband again went to the bank but this time spoke with the branch manager XXXX XXXX who called corporate and said he would get this resolved .... still about every day we were receiving phone calls even after I asked them to stop calling and to email and send correspondence via mail. So finally on XX/XX/XXXX I went to the bank and spoke with XXXX XXXX myself and took a copy of the front and back copy of the check showing where Truist had deposited the check. He again called and spoke with someone in corporate and assured me that it was resolved and no more calls but on today XX/XX/2023 not only me but my husband has been receiving collection calls and WE OWE NOTHING!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Partners Financial Services Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Last week I received a letter from Partners Financial Services , Inc. collecting a {$2000.00} debt to XXXX XXXX XXXX University in XXXX XXXX, Florida. 

You must first know that I do not know what they are charging me, I did not know anything about that debt. 

In XX/XX/2021, I enrolled at the XXXX University to take English classes, they offered online classes from Monday to Friday in the morning, I enrolled with XXXX dollars, and the monthly fee was XXXX dollars. I started the first days of XXXX, online and the first class Professor XXXX XXXX asked me what I was doing there, because that was a class for advanced English speakers, and that he did not give classes to beginners. He told me that he would talk to the Manager to change my class. In the same way, I also went to speak in person with the Manager the next day. He told me that he was going to send me to another class. So I did, the next day, I went to the link and it was another class for university students who were in their degree projects, that is, they were not classes to learn English. I went back to speak with the Manager and he sent me again to XXXX XXXX who with an annoyed expression told me that he could give me beginner classes from XXXX XXXX XXXX XXXX XXXX, one hour a day and that if I wanted I could enter the level class. advanced. For my level they were giving me an hour of classes a day and I had paid for 4 hours, they were not complying, I attended their classes for almost two months, until I found another university that gave classes for my level. I went to the XXXX XXXX XXXX University in XXXX XXXX to tell them that I was leaving for those reasons, and the Manager told me that I had to pay for the full semester, I told him that I couldn't, because they hadn't met the classes, I asked him for a copy of the contract that I had with them to pay for the semester and he told me that he would send it to me, and I never received a copy, nor did I hear anything from them until now that I received a letter from a debt collector. 
Please, I just want justice to be done because they did not fulfill their commitment. 

I appreciate all your help, because I can't afford to pay {$2000.00} for services I didn't receive. 

XXXX XXXX Phone XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
incorrect hard inquiry on credit report. ( 2 of them ) XXXX XXXX from XX/XX/2018 in error. Already contacted them, they told me to file a complaint here. Their phone number is XXXX XXXX XXXX I two incorrect hard inquiries XXXX XXXX and XX/XX/XXXX not recognized, it is for credit card/airlines. Never contacted them. 

their phone number is 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 2018-11-28
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX mailed out a debt Validation letter to the company asking them to validate, the debt and not verify the debt, and not by sending a bill as a form of validation, that they failed to reply within 30days and  have reported to the credit bureaus false or unvalidated debt which they are in violation of the fair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: MS
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 1681s-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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-12-13
Company: EQUIFAX, INC.
State: PA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX  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 explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All reporting agencies and the three credit bureaus have messed my personal address and name and birthdate I have one address it is on file with cfpb along with spelling of name and birthdate.

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 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
CapitalOne advised they would wave the late payment on my account due to an error but it's still showing late on my XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: FL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I reviewed my equifax report and have unauthorized 1. XXXX XXXX  XX/XX/XXXX 2XXXX XXXX XXXX   XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, 4. XXXX XXXXXX/XX/XXXX, 5.XXXX XXXXXX/XX/XXXX,6. XXXX XXXX  XX/XX/XXXX 7. XXXX XX/XX/XXXX ,8. XXXX XXXX XXXXXX/XX/XXXX,9. XXXX XXXX   XX/XX/XXXX 10. XXXX XXXXXX/XX/XXXX11. XXXX XXXX  XX/XX/XXXX, 12.XXXX   XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX,14. XXXX XXXX XX/XX/XXXX15.XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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:
Complaint filed and closed as " company responded '' : XXXX. Problem is that Equifax has STILL NOT ADDED THE EXTENDED FRAUD ALERT to credit files ( XXXX and XXXX added the 7-year fraud alert in XX/XX/XXXX as requested ). 

As of XX/XX/XXXX credit report, Equifax still shows only " FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-09-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase Bank is refusing to enforce fraud protection on my checking/savings account following the theft of {$18000.00} from my bank account along with my cell phone. The theft occurred while on vacation in XXXX XXXX, LA, XXXX XXXX. Police report was provided to Chase bank along with video surveillance obtained by the XXXX XXXX Detective XXXX XXXX XXXX. Chase claims because my PIN was also stolen that this can not be considered fraud, which is completely absurd. If my PIN had not be obtained by the thieves, then they would not have been able to steal the funds in the first place. Chase claims has been contacted numerous times over the past 3 months and always re-direct the call to another department or simply hang up on the call all together. Finally, after consistently calling for claims status, Chase bank cancelled my checking account, removing my access to all the claims documents and statements associated with this fraud. They still refuse to re-open the checking account to allow me to regain access to my notices and letters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection for XXXX XXXX on my credit report and when i call the company in question to find out what its for they say they have no record of a collection with them but yet its still on my credit report. I have tried numerous times to get it removed from my credit report thru different investigations but have been unsuccessful.

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 2023-01-21
Company: Experian Information Solutions 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 have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all XXXX credit bureaus XXXX. ) XXXX is reporting a closed collection account as open and XXXX is reporting a closed collection account as open and the status as 120 days late XXXX. ) In the month of XXXX, my credit report showed that the balanced owed changed from {$500.00} to {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had two fraud charges on XX/XX/2022. I was home all day and my my security camera footage to prove I never left my house. The first fraud charge was for XXXX dollars to some XXXX online. I have never order anything from that merchant and my account should have been flagged for such a high amount. The second charge was for gas in the amount of XXXX at a gas station in which the card was physically used. Once again I never left my house and have my own personal security footage that shows I never left my house along with my complex footage which shows I never left the complex that day. The card was physically used, I had the card on my person which means my card was cloned.

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 2022-09-08
Company: Credit Karma, LLC
State: RI
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:
Credit karma said I was pre approved for a credit card and when I applied I was denied and sent an enquiry to my credit and reduce my credit score and they said it will not affect your credit but I'm stuck with enquires on my account and reduce my credit score.

Company response to consumer: Closed with explanation