BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2022-12-10
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$990.00} on XX/XX/XXXX using XXXX XXXX XXXX to my American Express credit card. XXXX says they sent the payment and has provided me with a receipt. American Express has not credited my account and tells me they have not received the payment. I have made payments in this way before, and it worked just fine, but American Express will not credit my account despite the fact that I submitted all documentation that XXXX will provide. American Express says they need a transmittal form, which is not something XXXX will provide. American Express has a bill pay agreement with XXXX, but no one I speak with at American Express seems to know how it works because they keep asking me for documents that XXXX doesn't provide. My money is gone from the pre-paid debit card that I used for the payment, but American Express keeps claiming they didn't get any payment. I am out {$990.00} because they won't help. 

I have submitted 2 payment disputes through American Express, and they have closed them both times, saying that I have not provided the proof they need, and asking for documents that do not exist for payments made through XXXX bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX I purchased a truck was already preapproved but the car lot ran my credit 18 times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
When I went to apply for at the XXXXXXXX XXXX XXXX loan and XXXX XXXX mortgage loan, both companies said I couldn't get a loan because I had to many Hard inquiries on my credit report for both loans. Both loan officer said the13 Hard inquiries on my credit report was too much in order to receive loan from them. 

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 2022-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent them my FTC report sand a Identity Theft affividat for two Accounts XXXX XXXX and XXXX XXXX XXXX XXXX because these accounts were accounts unauthorized by me ( fraud accounts ) and they have failed to delete them or block them, or answer my request for vaildation more than 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
For this i am stating a concern i have with a credit card listed on my credit score account, listed on both XXXX XXXX and XXXX that a Kohls credit card account ending in XXXX was opened on XX/XX/19 and reported around XX/XX/19. 

This credit card was received through mail, having a {$300.00} credit limit and this was used by me, or opened by me, at all, and reflecting a balance of {$190.00}. I contacted Kohls Credit Card Company to find out some info they provided me sounded sketchy, as I had this account to be review as fraudulent, providing them with my social, d.o.b, and name. 

I don't know why this has not happened already, there toll free # is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check ( {$2200.00} ) drawn on a Bank of America ( B of A ) bill pay account into my checking account also at B of A via my phone. The check was credited and then debited with an explanation " unable to locate account ''. 

I was told to that the account # could not be read and to re-deposit it. 
The check was re-deposited at a teller machine at a B of A branch. Once again the check was credited and then the amount was debited to my account. 

Over the last seven weeks I have been on the phone with B of A ( both checking account area and the XXXX XXXX  area ) and spoken to at least 10 B of A associates.. They have also requested that the maker of the check join us at 2 different occasions. 

All agree that the funds have been withdrawn from the Makers account at B of A but have no t been credited to my account at B of A. 

After several unfulfilled promises to call me back, the problem remains uncorrected after 7 weeks.. 

In summary, the check has been debited to the makers account at B of A, but have not been credited to my account also at B of A.

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 2023-07-02
Company: Synovus Bank
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied and got approved for a first digital card. I gave them my address in Montana because I am a travel worker. 2 months later my card still hasnt arrived. I requested a new one and they assured me that it would be here within 14 days. Still no card. I have until this month to activate a card before my account gets cancelled and they steal my membership fee and annual fee. They are aware of this situation, and chose to do nothing about it. Upon my last complaint I was told I could cancel my account with the card numbers on the card provided to me. No card was provided! They are literally stealing my money and trying to get away with it! They reached out to me on XX/XX/XXXX with the cancellation suggestion and I cant even navigate the phone menu because I dont have a card! And I was assured on XX/XX/XXXX I would receive my card in 14 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 Report Act XXXX, Account : 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-09-05
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My insurance company paid out a claim for damage to my home earlier this year, but due to the payout amount, {$43000.00}, the check needed to be held by my Mortgage Lender, BSI Financial Services. The main issue is with their 'Loss Draft ' Department which evidently handles payments from the insurance company and responsible for issuing the funds from the insurance company for repairs. I've followed the required process and submitted all required documentation with regard to our Contractor, this was submitted via the " Loss Draft Portal '' near the end of XXXX and again at the beginning of XXXX, due to a technical difficulty with their system. After a month and a half and as of today, BSI has failed to issue any funds in which to pay my contractor for work performed so far. I've called multiple times over the past 2 months to inquire about the payment delay, and even spoken with supervisors, but have yet to receive any meaningful answer or solution to the issue. We need our funds issued IMMEDIATELY so we can pay our contractor and need to your help. Is there something you can do to expidie the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: NY
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Saturday, XX/XX/2021 I reviewed my online account with Huntington Bank and immediately noticed that {$750.00} had been fraudulently deducted from my checking account on XX/XX/2021 via a method shown as " Substitute Check ''. The check image for the transaction is available and it clearly shows that my name and address are not on the check, and my signature is also not on the check, yet Huntington Bank allowed the transaction to go through and be deducted from my account. The account holder name on the check is " XXXX XXXX XXXX '' and the address is from another state. 

As of Tuesday, XX/XX/2021, Huntington has not removed the fraudulent transaction from my account, nor has Huntington Bank contacted me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a credit card in the mail showing that a credit card account had been opened without me knowing. I called on XX/XX/2023 And filed a fraudulent card ask that it be closing everything removed regarding this card. On XXXX I received a phone call saying they were working on it and investigating and that everything would be fixed if they found it was actually fraudulent. However the account had not been closed. I am concerned about how this is being handled and that they will not properly correct this. I want no record of this card on my credit or anywhere as I did not agree to this.

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 2018-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
FRAUD INQUIRIES BY THESE COMPANIES NOT PERMISSIBLE BY ME FROM XXXX XXXX ON DATES XX/XX/XXXX AND XX/XX/2018 AND XXXX XXXX XX/XX/2018 AND XXXX XX/XX/2018 AND XXXX BANK XX/XX/2018 AND XXXX XXXX XXXX XX/XX/2018 AND XXXX XXXX XXXX XXXX XX/XX/2018 THESE ARE ALL FRAUD INQUIRIES.THESE BANKS OBTAINED FRAUD INFORMATION FROM MY CREDIT REPORTS NOT PERMISSIBLE BY ME.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the presence of inaccurate information on my credit report, specifically regarding late payments that are erroneously attributed to my account. Despite previous escalations and attempts to rectify this matter, the inaccurate information persists, and I am requesting your immediate attention to correct this error. 
Upon careful review of my credit report, I have identified discrepancies related to late payments on my account. I wish to emphasize that there has been no instance of missed payments on the account in question. I have consistently met all my financial obligations in a timely manner, and it is disconcerting to see information on my credit report that does not accurately reflect my credit history. 
I have previously brought this matter to your attention, and despite my efforts, the inaccurate information persists. I have attached copies of the previous dispute letters and correspondence related to this matter for your reference. 
I kindly request that you conduct a thorough investigation into the inaccuracies on my credit report and take immediate action to rectify the following issues : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2020-01-05
Company: EQUIFAX, INC.
State: CT
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 asking XXXX  help because Equifax is not investigating a fraudulent account on my credit because the account is hold by its investor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 

XXXX. Addresses : XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. Phone number : 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. XXXXXXXX XXXX XXXXXXXX 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 2023-09-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Yesterday XX/XX/XXXX I went on the my mobile bank account and was looking at how much money I have, but today XX/XX/XXXX I looked and it was wiped clean with {$0.00} in my account I called they said it was closed and had no history I explained to them over the phone and went to the branch that I have a bank statement saying I make deposits every week at XXXX atm and that I had XXXX in my account and they are saying it was closed and have no records on that saving account I was at work and could not bring them the statements till after work and now they are closed been on the phone for 1 hour trying to get some answers and no one know and no one will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is the company.

This was discharged in Bankruptcy as listed on my credit reports of Equifax and XXXX.

On my XXXX XXXX, it does state Discharged in Bankruptcy which is correct. 
What is NOT correct is that this account is listed by XXXX XXXX under collections. My lawyer has advised that once an account is listed, it must have a XXXX   balance, and closed along with no negative information other than the remarks of Discharged in Bankruptcy. 

I have contacted XXXXXXXX XXXX  and they advise me to contact Equifax, XXXX  and XXXX. 
I have contacted all three of them and they have confirmed that per their files, XXXX, Equifax and a XXXX  that this accounts is not listed as collections, but Discharged in Bankruptcy.

The issue I have is that XXXX XXXX states the information is correct as listed.

I dont understand why no one from XXXX XXXX  can correct this. The 3 comp
anies confirmed it was discharged and closed.

XXXX XXXX   will not remove this account from collections to closed.

This is fraudulent information on my XXXX XXXX  account from an agency that sends out my credit information and score. 

Please help me I have been going back and forth with them, no one will help me, they keep saying investigation confirm, this account is in Bankruptcy. 
Which I have advised for the past 8 months, that is true. 
I want them to move my file to closed. 
What can I do, this is nit right. Can you help me on this please and advise, what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: OH
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:
XXXX accordance with the Fair Credit Reporting XXXX  XXXX acct # XXXX, XXXX  financial acct # XXXX, XXXX federal acct # XXXX, XXXX federalacct #, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, w/f XXXX 's acct # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Foris DAX, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Crypto.com is withholding my money. I have chat transcripts showing they blatantly lied to me and making it impossible to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX  loan balance and payment history is incorrect as my balance has been at XXXX since XXXXXXXX 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