BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
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 belongs to someone else

Complaint:
I was checking my credit report and I saw that my credit score is low. I have no idea why I see that information on my account. I didn't applied for anything. I believe that someone used my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions 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 am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed the creditor XXXX collection services account number XXXX has mailed me a letter stating they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX who than sold to XXXX collection and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. This misleading fraudulent delinquent account needs to be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete I it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRUIST FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The SunTrust and BBT merger resulted in an ATM sent to me that failed to work. I had to drive 40 miles to the nearest beach despite having a child with XXXX who had to be transported because the company I use wouldnt take him as my card failed. I also had to miss work as an XXXX XXXX of XXXX during a COVID spike. The XXXX branch tried unsuccessfully FIVE times to activate the card with Truist customer service telling him it was my card controls. I did as instructed- tried to make an ATM withdrawal of {$100.00} which failed. The card control was {$700.00}! The branch manager issued a temporary card for me to use, ordered a new one for me, and cancelled the other cards associated with my account. Today my new card arrived, and I have been unable to activate online while CORRECTLY SIGNED IN TO MY ACCOUNT. It failed to activate using BOTH PHONE NUMBERS tied to my account. I can not have my childs safety compromised by this level of ineptitude. As an adult XXXX child the one time I did try to get him home by public transport, he misread the bus sign and wound up in a small town FIFTY MILES FROM HOME AT XXXX pm in the dead of winter. Thank God for kind people who helped him catch the LAST BUS back to home. 
For over 25 years I had NO ISSUES with SunTrust. Im under one year Truist has made our lives XXXX. I want nothing more to do with them. All I need is this card business corrected so I can change banks. I can not keep taking time off to deal with Truist errors- they knew it was going to be a problem and had no regard for the inconvenience to their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made payments to Chrysler capital in advance. They applied the payments to the principal and not actual payments and applied late fees for the months that were paid in advance. I contacted customer service and supposedly the corrected the issue and removed the late fees. However I keep receiving bills stating I still owe the late fees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for & got an Amazon Prime store card. I tried using it to buy on Amazon online but it was not accepted. I cancelled my Amazon prime & card. Now Synchrony Bank claims I owe them {$120.00} fees for a card that I can not use. I have had this card for less than a year. Their statements give no dates when they add more fees. I think it is a scam to scare people & make them pay. I could not cancel the card from the banks web site. A man from the bank call today ( XX/XX/2019 ). I explained that I have cancelled my card. He informed my that I still had to pay. I don't think that I owe them anything for a worthless card. I also think that their fee are way too high. The first time I tried to use the card was in XX/XX/XXXX. and I cancelled it shorthy afterward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-26
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
I contacted Macys and negotiated a settlement for a balance owed. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 breach cause the ftc violation on the 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 2019-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: WA
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:
I have wrote Equifax on XX/XX/2019, XX/XX/2019, and again today on XX/XX/2019 in regards to hard inquiries that were not authorized and a negative account that all should be removed. It has been now going on 60 days. My disputes for the same issues however, with the other two bureaus have been updated and removed. Equifax is violating FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
called customer service spoke with manager XXXX asked to have interest {$3.00} assessed on XX/XX/2019 when my account was paid in full on XX/XX/2019 payment {$2300.00} resulted in a " credit '' balance of {$11.00}. There was no balance for XX/XX/2019 yet I was assesses interest. manager XXXX denied my request to credit back my accoun refused my request to be transfer to upper management. I am requesting to have the interest {$3.00} assessed credit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Equitable Acceptance Corp
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
the company Equitable Acceptance has scammed me into paying for their " service '' in lowering my federal student loans. They are drafting {$42.00} from my checking account monthly. I have been paying since XXXX of XXXX and I still owe the same amount in my student loans. They claim to reduce my payments and pay for 120 months and the rest is forgiven. I pay {$180.00} a month and my loans are still the same amount. This company is fraudulent and they have put an inquiry on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: VA
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:
Inaccurate and unauthorized reporting on consumer report

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 2019-08-05
Company: General Motors Financial Company, Inc.
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
When I started the vehicle lease in XX/XX/XXXX I purchased extended coverage for excess wear and tear protection up to {$5000.00}. When the lease was returned, I was provided the lease inspection report and told that a final bill of the charges would be sent out. I have not yet received the bill. I have spoken with GM financial on 4 different occasions starting on XX/XX/XXXX when the final charges were reported on my credit report, then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX trying to get a copy of my final bill needed to submit for payment against the coverage. I have been informed the bill was sent onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX not available for view, electronically through the GMfinancial website and my online account, and I have requested on multiple occasions to have my bill sent to me. GM has provided no resolution to me not receiving my bill in the mail and refused to send it to me electronically to ensure receipt. It is nearing the time that payment would be due to avoid any negative credit reporting to the credit bureaus. I have also explained to them that I will be moving which will further delay me receiving a mailed bill because it has taken them over a month to issue the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I received a cashiers check in the amount of XXXX It came special delivery through the mail. The date on the check is XXXX XXXX. It did n't have any documents attached. I enter a lot of online sweepstakes and contests so I thought it was in connection with that. I took the cashiers check to my bank and told them I was n't sure of where it came from. However it had the correct spelling of my name and the correct address. The tellers checked out the water marks and said it looked good to them. I told them I wanted to deposit the check and told them I did n't want any of it until it cleared. It cleared the next day but I waited a week making sure the check had cleared. I was told again it had cleared so I took out the full amount. I gave some of it to a needy friend and some to my Son for clothes. Paid off some bills etc. Well a day or two passed and all of a sudden the check is not good. I have my checks direct deposited to the account. I use the money to pay the rent. The bank put me at fault taking every penny out of my account for 2 months leaving me with nothing. I feel first of all that the bank is at fault and should not be allowed to just take my money. I was told more then once and waited long enough that the error is the banks. In order for my Son and I not to become homeless I had to sell my car. I have been a wreck over this. They took everything from me. So now I 'm out my money and my car, Cashiers checks are paid for when issued. How can it be good for a week and just go bad? How am I responsible for the banks mistake? This is totally wrong in every way. Please help me on this issue. 
Thank you very much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just deposit in cash {$180.00} to a Bank of America ATM machine, ATM id # XXXX, located in XXXX XXXX, NC and the ATM machine took the money and didn't provide me a receipt, and even worst, didn't credit the deposit to my account. I feel like I was stolen by BoA. I want BoA branch where this ATM machine is located, to investigate TODAY, and credit my money TODAY, otherwise, they are stealing from me. This was cash in hand money that I had available today and is not fair that because of a mechanic problem of the ATM machine I just simply have to loose my money for no reason. The branch need to have the capacity to resolve the problem today!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I saw that my credit score is low. I have no idea why I see that information on my account. I didn't applied for anything. I believe that someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, 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:
Equifax is incorrectly reporting me as an Authorized User on XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled in XXXX University XX/XX/2017. I was only in the class for three days and requested to be withdrawn from the course. My adviser received the email but failed to withdraw me. XXXX tried to get me to pay even though I withdrew before payment was necessary. They admitted the mistake but continued to claim that I owe {$1400.00}. It has now been reported to Ability Recovery Services. I tried to talk to XXXX and get the matter resolved but they would not help me. When I was added to the course I was added late according to XXXX. Upon being added late XXXX now states that I was added after the date and am not entitled to a window of withdrawal. XXXX did not inform me of this when I signed up for the course. When I spoke with my adviser on the phone she stated that I would not have to pay and that late add students are entitled to the equal opportunities that regular students are. I am now being attacked by this debt collector after being lied to by XXXX. I proceeded with due diligence and read the policies and it did not have a policy for late add students. All I want from XXXX is for the debt to go away and to have equal opportunity in their educational entity.

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 2022-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a text message alert from Bank of American to confirm if I had open a checking account online. The account was sucessfully openened. Theh provided me with the informaration of the scammer. They usedd address XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, Florida - PH XXXX. The account was openened on XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: EQUIFAX, INC.
State: AZ
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 have seen this incorrect information in my credit report several times over the years. 

I have never worked at XXXX XXXX XXXX in XXXX CA. 

Please remove that employment information from credit reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been reaching out to TRANSUNION, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TRANSUNION and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX  Date of inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry 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 2017-12-28
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX/XXXX/XXXX I decided to sell {$200.00} USD of XXXX cryptocurrency and have it go into my bank account. It 's been almost 10 days and have not seen a transaction. Contacting customer service on XXXX/XXXX/XXXX results in an AI bot that just keeps redirecting you through FAQ pages. Now I have money lost with the coinbase app showing transaction is completed in transferring funds and I have other the remaining coin that I 'll need to just extract. My bank account has been validated and linked to the service and which was validated through multiple deposis so it is n't the wrong account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX and Transunion need to delete the items that were paid to delete off of my credit report. I sent both XXXX and Transunion a certified mail piece with return receipts to make sure that they got my paid to delete letters and neither companies complied within the 30 day turn around time frame. It has been over 90 days since I sent XXXX and Transunion the certified mail pieces so that they can take the accounts that were paid to delete off of my credit reports and they have not did so. Both Transunion and XXXX need to delete the following accounts off of my credit reports ASAP. Fair collections and outsourcing, XXXX XXXX, XXXX savings account in the amount of $ XXXX in regards to an auto loan and XXXX account in the amount of $ XXXX from a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This is my second attempt to resolve this issue with Upgrade Inc in regards to my consumer credit transaction. Upgrade is in violation of 15 usc 1605 ( a ).

Company response to consumer: Closed with explanation