BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im a customer with Truist Bank off XXXX line in XXXX TX and I went to this location to deposit my accident settlement check into my account I have had for years. Along with my ex husband and son who both deposited checks from the same law firm. My son cashed his check the same day with no problem and my ex husband deposited his as well with no issues. I was then asked a lot of questions from XXXX XXXX took the checks and deposited them on XXXX. XXXX the bank blocked my debit card the whole weekend without being able to access any funds.XXXX I go into the branch they say my check is counterfeit and that it will be returned. However the check they are holding they deposited partially some of the funds and still my card is blocked. They have verified me by my ID SSN DOB ADDRESS but still treating me like I am a criminal and have disrespected me to the fullest. XXXX the rep from the call center refused to allow me to speak with another representative and said that she will hang up on me if I keep asking questions. The branch manager XXXX I spoke with her on XXXX at another location and she stated that she could not help me the fraud department was closed and that she could not give me the funds I had in my account before the check was deposited but however on XXXX she gave me a partial amount of the available funds {$110.00} and I asked for a receipt she said they do not provide receipts for withdrawals. So after she was able to scrape up my receipt I asked her why did she not assist me Saturday and her reply is XXXX XXXX let me know he dealt with you on XXXX so i can give you the funds you had available. My question was if Im a fraudulent person why are you able to give me money from the account you all have blocked and she did not answer. I talked to the fraud department and asked the same question to find out that the branch manager didnt have authorization to give me any funds. I spoke with a lady The issuing company was also on the line and sent me an email of my check clearing their bank. I was advised to file a complaint due to the unfair treatment of TRUIST BANK. I feel that not only was I discriminated against but as a customer they dropped the ball.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Well for one thing I've try a couple times to see if I can have my interest rate lower on my Wells Fargo Visa Card only to be rejected or given the round around game. 

Also to my Wells Fargo checking account was hacked too in XXXX loosing between {$12000.00} to {$8000.00} Wells Fargo never send me a copy statement of what was recovered nor a reimbursement of of my missing money. 

I stop pursuing the case since I don't worship money and money can always be replaced. But if I could get justice and closure from the CFPB that would be grate if not then it's either way I would be OK.

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 2023-05-16
Company: EQUIFAX, 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 have a credit card with XXXX XXXX XXXX. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. XXXX XXXX XXXX erroneously and fraudulently reported that I was XXXX and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from XXXX XXXX XXXX verifying all this. I tried contacting XXXX XXXX XXXX to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, Equifax, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife and I purchased airline tickets through XXXX XXXX  pre-covid19. The airline cancelled the flight and stated they would refund. We made multiple inquiries with the airline to refund and they did not. We initiated a dispute with Chase. Chase is refusing to resolve the dispute and is stating we will have to pay for the flight that never occurred. The credit card itself ( Chase Sapphire Reserve ) advertises protection against this sort of situation and are still not resolving the issue. They are not only in violation of the credit card agreement, but in violation of consumer protections under the law. 

It has been almost 90 days since the airline cancelled the flight unilaterally and Chase is sitting on the dispute. We have made multiple inquiries and escalations and chase is not acting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts are an result of fraud XXXX  {$1300.00} XXXX XXXX {$7800.00} 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 2022-10-14
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: 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. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-07-02
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had purchased several items from XXXX on XX/XX/21. I ended up cancelling 4 of these items and asking for a refund which was done. NOW THERE IS A HOLD PLACED on my card where I can not access the funds. Tried reaching out to the customer service number and told nothing could be done, called back today and no answer. Sent a message to the customer service via email this morning. I need to access my funds and this is totally fraud on part of Netspend. I WANT MY FUNDS RELEASED and will be going with another financial institution for my banking needs as I have a direct deposit set up with Netspend.

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 2020-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my credit balance in credit report which I paid in full XXXX/XXXX XXXX account number XXXX ballance {$0.00} Date opened XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I, XXXX XXXX, wrote a check to my neice, XXXX XXXX for {$130.00} on XX/XX/2020. The check was deposited into her Wells Fargo account. On XX/XX/2020, Wells Fargo pulled the check out of her account and debited her account. Wells Fargo claimed that the check was not authorized, which is a lie because there is clearly a authorization number on the check. Wells Fargo is still holding this money, having never returned the funds to me, the original maker of this check. This is XX/XX/2020.

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 2018-05-19
Company: CHS, Inc.
State: VA
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:
XXXX XXXX XXXX reported four accounts under collections on my credit report and said they would remove them but to date has not removed them. XXXX XXXX XXXX is quick to report but taking their time to fix their mistake and in the meantime they are hurting my credit for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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 belongs to someone else

Complaint:
on Tuesday, XX/XX/2020 Sent via USPSCMR : XXXX XXXX XXXX XXXX XXXX i contacted the reporting agency to remove some inaccurate data on my report. 
instead of credit reporting agency taking the incorrect items off they verify the items without proper procedure

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 2020-04-06
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/20 Upon arriving at Cash America Pawn Shop XXXX XXXX XXXX Ohio, they were unexpectedly closed. On XX/XX/20 I called and inquired about the loans that were due to be forfeited the previous day. I let them know that I had been there to pay them but because they were closed obviously I could not. At that time they informed me that because it was not their decision that they were not going to make any exceptions so either pay XXXX $ or they would keep my items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for credit on XXXX through XXXX XXXX. they approved my card and I even used it. They then send me a letter saying that they could not assign the credit limit they approved because my credit score from SageStream LLC is XXXX. This is over 200 points off from any of the other credit bureaus. if you look into this company, they have been teaming up with banks and giving tons of people incorrect scores so that the bank can charge you more interest. If you try to request a report, they require you to send them copies of your personally indentifiable information such as passport, license, social security card. They have incorrect information, and there is no way to fix it with them. Please do something. XXXX it yourself, there are millions of people reporting to you and to the FTC because this company is blatantly scamming people under your watch. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Discharged Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit.

Credit history is reporting that it is only 3.5 years old. However, I have accounts such as XXXX XXXX that reports an open account for 6.25 years and 4 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 explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of having to contact them to no use. Should there be any updates on my inquiries, i'm going to court.

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 2018-05-19
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXXXXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX  XXXX XXXX, account number XXXX, which has been collection. 
XXXX XXXX XXXX, account number XXXX, which has been collection. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts.

Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues.

I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, 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 2018-02-15
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i do not have any debts but continue to get calls from " XXXX and XXXX XXXX XXXX. '' it is always a recorded call with a message to call them. this morning when i picked up the phone i did not say " hello '' which is when the recording normally begins. Instead i said " yes, '' and the call terminated. I am very concerned that this will be used in some incriminating way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit reports they have me down as having a bankruptcy charge and it 's incorrect and because I was late on a couple of bills my name was put on the bad credit list! After paying them off I 'm still on the bad credit list and I paid them off on time in fact early. So what can I do to get my name off or fix this problem please help me. Thank you for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Discharged Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit.

Credit history is reporting that it is only 3.5 years old. However, I have accounts such as XXXX XXXX that reports an open account for 6.25 years and 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of unfair credit reporting and deceptive practices. I have made several attempts to resolve the matter. XX/XX/2020 I filed a dispute with Trans Union Credit Bureau stating that I was not the owner of the closed credit card on my credit report. I requested to see a contract agreement with my signature along with any monthly statements sent to me. Trans Union is the only credit bureau reporting on this alleged credit card account and they indicated the account is closed. XX/XX/2020, XXXX XXXX reported to the credit bureau that the limit on the close account had been lowered {$73.00}. As a result of the report from XXXX XXXX, Trans Union credit bureau lowered my credit score 43 points. I have disputed the ownership of this account because the credit card in question that I held with XXXX XXXX was a {$1000.00} SECURED Credit Card and no such amount was charged to this card. Also the credit bureau investigation failed to resolve anything. There was no evidence surrendered to suggest that I owned the account.

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 2023-01-11
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already written to you about my issues with PHH Mortgage. They claim that the wire transfer of my payoff was received by them from the home buyers attorney, XXXX XXXX, on XX/XX/XXXX without the mortgage account number, and that they sent it back in XX/XX/XXXX. Her bank says it was not received by them until XX/XX/XXXX, and even though I have repeatedly authorized them to directly communicate with both my attorney, XXXX XXXX, and attorney XXXX XXXX, they refuse to communicate with either. I want to resolve my own situation and also to warn all consumers to stay away from this company.

Company response to consumer: Closed with explanation