BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
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 paid for a trip to XXXX through my checking acct at BB & T. I had monthly payments taken from my acct and paid to travel agency XXXX. 

On XX/XX/2020 I received an email from XXXX stating they were cancelling my trip because of the COVID-19 virus. There was an attached letter from the U.S State Department. The letter stated that because of virus threat they are issuing a DO NOT TRAVEL alert to all international trips. 

XXXX stated that we would need to get in contact with our bank or credit card company to get our refund. When you call their phone number they refer you to the web-site. When you go to their web-site it only has the letter from the U.S. State Department.

I reached out to my bank BB & T. I explained the situation to them. They said they had to transfer me to the fraud dept. I explained that it was not fraud, but they said they still needed to send me to that dept. I spoke to the fraud agent and explained the situation. They took all the information and told me they would investigate and get back to me. 

A week later I started receiving ATM/Check Card/Electronic Check/Error Resolution forms for each of my charges.

I faxed each one back with the letters from XXXX and the State Dept. proving the trip was cancelled without my permission and due to unforeseen pandemic. 

On XX/XX/XXXX I received a letter stating that because these transactions where non fraud there was nothing the bank could do. They stated with the requested information they would attempt to recover the funds from the merchant. 
I contacted the bank again. Explained that I had previously faxed the requested information. I was asked to fax it again, which I did. 

I have not heard form the bank since then. I called to file a claim for services not received on XX/XX/XXXX and was told I had to wait until XX/XX/XXXX since the other claims where still open. 

This really upsets me that BB & T is not willing to refund me my money. I have been with them since I was XXXX yrs old. 
I had booked another trip with a card from another bank. Had no problem getting my refund from them. Just don't understand the problem. 

I would appreciate any help I can get Sincerely, Miss 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 2020-05-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase at Victoria 's Secret store in the XXXX XXXX in XXXX FL, on XX/XX/XXXX. They opened a Victoria 's Secret credit card for me to pay for the purchase. I returned all the items after a few days because it did not fit. The store gave the receipt back, but I did not keep it. 
I never received the credit card or the bills until XX/XX/XXXX. I thought they would not charge me anyway, because I retuned the items. They are charging me {$510.00} for the items, whose original value was {$89.00} and I returned them. 
I have talked to customer service many times and I have visited the store, when it was open before the Covid-19 pandemic, but they did not help me. They keep charging more and more with every passing month. I think this is fraud. I am XXXX years old and I am XXXX. I think they are taking advantage of me and I have no one else to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Simply opinion based on hundreds of unresolved reports over decades. The entire system is a sham. I have not had ONE, GOT THAT ONE COMPLAINT EVER RESOLVED IN OUR FAVOR. The fact that one is judged by their works confirms the opinion is correct. Furthermore your organization a key component of this opinion because you are exactly the same and by nature of what you actually do, just collect information, you are all in the end exploiters of people.

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 2018-12-10
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/2018, I financed a new XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I got the loan thru BBVA. I set up online automatic withdrawal. I had problems setting it up online. So I tried over the phone. I was told I had everything set up online and all accounts, charges, settings were set. 
Well, after the first month, I started getting late notices on payments in XXXX 2018. I called and doubled checked my online account. Everything looked normal and already set up. On the phone, the representative would go over my account and said all was fine, it must be a glitch. And submit a work ticket. I never heard anything back.

Then 2-3 weeks later, I would get more mail stating I was failing to make regular monthly payments on my loan to BBVA. 
I once again, called and talked to a representative over the phone. Same thing. They said it was taken care of. 
In XX/XX/2018, I finally went into a local BBVA bank and said I wanted to speak to someone in charge and find out why my payments were not being submitted and why the auto withdrawal was not going thru. After 5 days, it was finally straightened out. BBVA apparently had the wrong account number from my bank. I had submitted it correctly, but they kept entering one too many digits. 
However, it is because of 2-3 months of NONE payments, I believe my credit history has suffered. I have a score of XXXX, as of XXXX-18. I believe this to be unfair since it was not my error back in XX/XX/2018, when BBVA made the mistake on my loan account. I wish for this to be corrected, reviewed and addressed. Since the correction, I have been late on NO accounts and fully pay all loans and bills on time with no past due or collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 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

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 2021-02-25
Company: Westlake Services, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was called at XXXX XXXX by Westlake Financial regarding a payment that was passed due, not sure if call was being recorded as the Mini Miranda was never read either. After speaking with a manager/supervisor and advising them that they are violating the CFPB guidelines the manager continued to ask if I wanted to setup a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Experian Information Solutions Inc.
State: SC
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:
Company has failed to properly investigate my identity theft claim. I've mailed and faxed in sufficient documents to support my claim. The credit reporting agencies have send back electronically verified responses. When i call, im unable to get anything resolved over the phone, the most helpful reps have all been located outside of the USA. i've attachment documents to be re-reviewed, hopefully i will get some assistant with the help of this complaint.

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 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX, XXXX  AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXXXXXX -- -- ->Date Opened -- -- -- >XX/XX/XXXX XXXX XXXX XXXX : XXXXX -- -- ->Date Opened -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XX/XX/XXXX XXXX XXXX XXXX : XXXXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX -- >Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX I -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX  -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX  -- -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX  -- -- -- >Inquiry date -- ->XX/XX/XXXX XXXX -- -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX -- >Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX -- -- -- -- >Inquiry date -- -- >XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names 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 explanation
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: AR
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 first reached out to XXXX, XXXX on Saturday, XX/XX/XXXX regarding a new inquiry on my credit bureau. I informed them that my credit was run without my authorization. They told me to dispute the charge with the credit bureau. 

I filed a dispute the same day with Equifax. On XX/XX/XXXX I received an email from Equifax stating that they were unable to remove the inquiry and to contact the company directly. I then filed a complaint with XXXX  on their website. I was contacted by XXXX XXXX of XXXX on XX/XX/XXXX regarding the inquiry. I explained to her what happened, and she assured me that she would be forwarding my information to her legal team and that the inquiry would be removed. 

I then contacted Equifax myself on XX/XX/2018 to check the status of the removal. I was told by the representative that nothing had been submitted regarding the inquiry. I then emailed XXXX again the same day but I never got a response back. I then decided to wait 30 more days to allow more time. 

On XX/XX/XXXX, I filed another complaint on XXXX website. I was then contacted by XXXX XXXX. I explained to him what all happened, and he said he would be the one handling this matter from now on. Ive been corresponding with him for the past five months, and the inquiry has yet to be removed. I have been in contact with Equifax was well regarding the removal. It seems that XXXX is giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: STATE FARM BANK, FSB
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates : 30 days late as of XX/XX/2012 and XX/XX/2012. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: WLCC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As an employer I have received 2 fraudulent faxed garnishments from this company Apex Servicing XXXX. 
These are not judgments These are not judgments but an agreement the employee is not aware of owing. Apex Servicing XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. 
Although stated in the letter, no notice was ever sent to the employee

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient continues to harass me on a daily basis by email, phone and mail. This has gone on without interruption for THREE YEARS. 

1. They send threatening letters to my home address on a weekly/daily basis.

2. They call my phone number and leave threatening voice mail messages several times a day from different phone numbers.

3. They send threatening email messages to me on a weekly/daily basis. 

This must stop. 

I have had {$0.00} income for over one year and there is no possibility that I can make any payments at all to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: M&T BANK 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 have contacted all three credit bureaus to corrected a fradulent file on my account which is from company by the name of m & t bank. They have received funds from the VA and from over 400.000 from me, VA and the State Banruptcy department. They pretended to be a mortgage and then did not except mortgage payments. Would not dispense escrow money account.This company has been pretending to be a mortgage company from some time. They shown up in the courts hand have provided illegal documents to take our home with the XXXX County Court system. I Ccan be reach ed at 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 2023-02-15
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: Information belongs to someone else

Complaint:
REMOVE THIS FRAUD ACCOUNT OF MY CREDIT AND FRAUD INQUIRIS GET DELETE 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 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 2022-10-06
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : 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 2021-05-03
Company: Mountain Run Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
How is this possible XXXX? This was removed due to violation on reporting and the opened date is incorrect! Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief