BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: The Law Offices of Mitchell D. Bluhm & Associates
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:
I received a call from MBA Law stating I owe money for a medical debt. I advised them that I have no knowledge of that debt and to please provide information in writing. They never contacted me again or sent the information in writing. Now I see a collection on my report, and I don't know what it is about?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Both the collections accounts on my report or not valid they are supposed to have been paid by alabama medicaid and were obviously billed wrong. I have tried disputing them around XXXX and XXXX last year but keep reporting now im being turned down for a mortgage due to medical collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm writing in regards to a {$580.00} withdrawal from my bank account by Fifth Third Bank due to an unsuccessful cash deposit resulting in a denied dispute. The initial deposit was made at the Fifth Third Bank ATM located at XXXX XXXX XXXX, XXXX XXXX  XXXX on XX/XX/2020. 

Upon depositing the cash, I was given an error message and the money was not returned. The ATM requested I put in the amount deposited, so I inputted the {$580.00}. Next, a receipt was printed out that stated to take the receipt into the branch. I then attempted to take the receipt into the branch, however, that branch is no longer in operation. 

I then took the receipt to the Fifth Third branch located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. They referred me to Fifth Thirds dispute department, which is when I called and filed a dispute. 

When I filed the dispute on XX/XX/2020, the {$580.00} was immediately credited back to my account. 

On XX/XX/2020, I went to use my card for a purchase and it was denied. Upon investigation, I learned that Fifth Third Bank denied my dispute and did a {$580.00} withdrawal on my count. This left me with absolutely no funds in the midst of a crisis. 

I then called the disputes department, where I learned that the case was denied because apparently that ATM is showing it is balanced. I spoke with dispute personnel, and a supervisor. All of which told me they apologize for the inconvenience, but all they can do is reopen the case. Absolutely no empathy, ability, or willingness to release my funds until the dispute is resolved, up to 30 days. I was left with literally no food, gas, or bill money to my name for an entire week, due to Fifth Third Banks error. 

Per the dispute departments request, I then emailed over a letter of intent to dispute. After one week of not hearing anything and a 30 minute hold time, I find out from the dispute team that the email was never received. Mind you I sent it to the exact email address provided with the case number in the subject as directed. I have now resent the intent to dispute. 

I am beside myself with the lack of accuracy from this company. There was an error with their ATM, an error with their reporting, and now an error with them receiving an email in the format and using the email address I was told to use. At this point, I need Fifth Third to step up, get their ducks in a row, and get me my money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: SYNCHRONY FINANCIAL
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:
Dear Consumer Financial Protection Bureau, I am making a dispute against Synchrony Bank/XXXX XXXX  for making a hard inquiry I just noticed on my credit report. I was provided a pre-approval offer letter in the store and when I specifically asked if this would affect my credit as a hard inquiry, I was told that it would be a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet. Being that I was considering getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lender on my credit report. Had Id known that this would be a hard inquiry, I would have never done business with this bank.

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 2020-07-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX  Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # 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 2023-02-02
Company: Experian Information Solutions Inc.
State: HI
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:
Experian is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by Experian. These are attached. My account and credit has been compromised.

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 2022-01-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
The loan closed on XXXX XXXX I was told the funds would be wired. Part of the loan agreement was for a previous loan to be paid off. It was paid off but not until XXXX XXXX. so for 20 days I paid interest on two accounts I called several times and was told that the Payoff would be backdated to the origination date of the loan. That did not happen. I was also charged a wire fee of {$20.00} from bank to bank ..and these are two banks that are sister banks. Theyre both coming under the umbrella of Truist ..bbt and sun trust The loan payoff was not wired it was sent by check therefore it went into the mail

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am 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 non-monetary relief
Consumer complaint received 2021-10-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through XXXX named XXXX, XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Huntington National Bank services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX CT XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021 XXXX Date Updated : XX/XX/2021

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
This is my second notice. I sent letters to XXXX, XXXX and TransUnion with no resolve yet. I asked for my name to be corrected within there system and I sent along a copy of my State ID with the correct spelling of my name. Anything else with my name misspelled should have been deleted along with the charge off accounts. This is effecting my credit and this should have been resolved.

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 2021-11-28
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2021, there is a debt collection for the amount {$380.00} from XXXX XXXX on my credit report that I was not notified of. The alleged debt account was handed over to XXXX Collections on XX/XX/XXXX from the original creditor. I never received a letter from CCS Collections, which was supposed to happen 4-5 days after initial contact/date account was handed over, and was never given the opportunity to dispute/verify. This is a violation of the FDCPA due to each individual having the chance to verify whether a debt belongs to that person or not. A Debt Collector can not just slap a debt on someone's credit report without the individual knowing and being able to dispute said alleged debt. I was not given that chance. Fast forward to XX/XX/2021, I filed a complaint with XXXX about this invalid debt. XX/XX/2021, XXXX notifies me of the results of the investigation. According to CCS Collections, they verified the debt. Who did they verify this debt with? What information was used? This is a potential HIPPA Violation, that is, if they possess personal medical information that is outside of HIPPA 's guidelines. They did not verify this debt, they just assumed because after " 30 days they can. '' Also, I do not even know if this company is even allowed to collect this invalid debt. Again, I was never given the chance to send them a debt validation letter, which I have every right to, according to FDCPA. Last, CCS Collections should only contact me via letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

Account name : 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 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 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 2021-10-26
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I was paid {$1200.00} from XXXX via PayPal. Tracking # has been provided, and delivery confirmed. PayPal is still REFUSING to release my funds to me! They're not being cooperative or helpful in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: DC
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:
I have a history of always paying on time, and it's causing me a lot of XXXX to see this inaccurate late payment on my account. I have never missed a payment on this account, and I am begging you to remove it from my credit report as soon as possible. It's affecting my ability to sleep properly, and I would greatly appreciate your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 someone used my information to open a checking account with Truist Bank. I received numerous letters in the mail from Truist. Someone tried depositing {$4900.00} into said account, which ended up being a fraudulent check. I received a letter dated XX/XX/2022 with a copy of the fraudulent check. I tried several times to get ahold of this Truist bank, whom I've never heard of before, to let them know I didnt open an account. I was finally able to get ahold of someone to inform them by the end of XXXX. I was informed by the person I talked to that they would send the claim to the fraud department. 2 to 3 weeks later I received a voice message from a man at Truist bank, in the fraud department, that he was working on it and that he would send me a letter in the mail about what they found. I have yet to receive said letter. And have gotten calls/voice messages about debit collections.

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 2020-01-30
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX notified me about a hard inquiry of my credit history made on XX/XX/2019 by Goldman Sachs Bank USA. This hard inquiry was un-authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Worth Finance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} Worth finance Corp XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-08
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I made a deposit into my checking with a convenience check. The company, Citicard, rejected the transfer via email. They transferred the money in spite of notifying me of the transfer being rejected. 
I contacted Citi card and was told they would reverse the transfer and the transfer fee, Citi card never did reverse the transfer. 
Citi card denies me access the my account on line and customer service will not talk with me. They say I need a password to access my account. I have given them the password previously and discussed the account but now I am told the password is incorrect and customer service will not discuss the account. 
When the transfer was rejected, the contract accessing the convenience check was voided. 
I want the transfer reversed as well as the transfer fee. I want nothing further to do with Citi Card or Citi Bank.

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: 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 status incorrect

Complaint:
Equifax ; XXXX and XXXX are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX. Equifax and XXXX are failing to show the following accounts In Dispute. XXXX XXXX partial account number XXXX ; XXXX ; XXXX and XXXX. Equifax is failing to report the following accounts are In Dispute. XXXX XXXX partial account number **** XXXX and XXXX. I have sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Professional Debt Mediation, 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: Account information incorrect

Complaint:
Prof Dept inaccurately and reaging added 30day late payment to my account. XXXX, XXXX, and XXXX has not deleted this account despite multiple inaccuracies with this debt collection agency.

Company response to consumer: Closed with explanation