BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Truist Bank completed its company merger the weekend of XX/XX/2022. On XX/XX/2022, I received an email stating that I had been charged a {$36.00} overdraft fee, even though throughout the week I never had received an alert that my account balance was low or negative. I have a setting on my account to text and email me when my account balance is low. The email alert did not inform me of which transaction triggered the overdraft charge. 

I called customer service on XX/XX/2022 around XXXX am and was on hold for a representative for over an hour. When I spoke with a representative, he went through my transactions and informed me that the overdraft was caused when I transferred money from one Truist checking account to another Truist checking account the day on XX/XX/XXXX. Even though funds were available at the time of transfer, they stated that other pending charges posted before they processed the internal funds transfer and which therefore caused the overdraft. Truist refunded the overdraft fee but stated that I would not be entitled to another overdraft forgiveness for another 24 months. 

The customer service representative told me that if I call back within 24 months I could ask for an escalation and he would notate the situation to have an additional forgiveness considered. I asked to confirm this with a supervisor and notated on my account but when I did speak with the supervisor she told me that the representative did not provide me with accurate information and the bank would not provide me any additional grace in the future. It is still unclear to me why I was charged an overdraft when funds were available in my account during the internal funds transfer. I feel like I am being penalized for the messy merger that took place and not having accurate account information available during this timeframe and then losing my benefits due to situations beyond my control. I acted in good faith to ensure my accounts have enough funds based on the information provided by the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Professional Debt Mediation, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Professional Debt Mediation on XX/XX/2022 by telephone and my call was not answered. I contacted XXXXXXXX XXXX XXXX  ( where the original debt came from ), spoke to XXXX XXXX the Apartment complex manager on XX/XX/2022, she replied by email that she has sent 2 emails to this company asking them to remove this debt of {$280.00}. The debt was paid with the original creditor per the terms of the agreement between XXXX XXXX XXXX and XXXX XXXX on behalf of XXXX XXXX. I sent all the supporting documentation to XXXX, XXXX, XXXX XXXX, The Attorney General of Florida, XXXX XXXX XXXX, and Professional Debt Mediation. They continue to flag my credit report, Seems they are not interested in cooperating with me to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00}

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 2019-08-23
Company: SYNCHRONY FINANCIAL
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
I have both PayPal credit ( where funds come out of checking ) and a paypal mastercard. I noticed that I was being double charged for items/services ; one via credit and one via mastercard, when i tried to get this rectified the customer service rep for mastercard said she did not see the charges showing on my credit where as when I spoke to paypal ; not paypal mastercard, it was clear that both charges were visible.

There is a discrepancy between the two entities, on my end I can see both charges on both accounts ; I took screen shots, did the calculations and there is no question I payed for both charges via paypal credit. Why should I have to pay via paypal mastercard. I feel this may of been going on for a while without my knowledge because I do tend to be really oblivious, but always felt my bills were higher than they ought to be, this is the first time I investigated.

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 2023-09-02
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: Information belongs to someone else

Complaint:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX about my concerns about the following account which is XXXX  account ending in XXXX. Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: Kikoff Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I downloaded the kikoff app and signed up for their service to be rejected which is fine but now I am " signed up '' with the service and have no way of contacting the staff to cancel. Neither the website nor the app have a link for help or contact, only FAQs which attempt to divert the customer 's attention. I believe this is intentional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX-Date of Inquiry 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: NY
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 XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX   : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Jim Bottin Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XX/XX/XXXX, I receive the attached communication from ABC Fitness Solutions indicating that I have an Amount Due for a membership with XXXX XXXX XXXX XXXX XXXX that has been previously cancelled. As part of this communication, ABC Fitness Solutions provided the following notice : Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

This notice is deficient, however, because I am unable to follow these steps to contest the debt. As proof of this, I am also attaching the response I sent when attempting to notify ABC Fitness Solutions that I do not in fact owe a debt and/or any other outstanding balances to XXXX XXXX XXXX XXXX XXXX XXXX XXXX my membership has been cancelled since the end of XX/XX/XXXX. As indicated by the bounce back message I have received in response to my XXXX XX/XX/XXXX email, I have been unable to contest the debt in accordance with the instructions provided by ABC Fitness Solutions. 
Between XX/XX/XXXX through the present date, I have received approximately XXXX calls and voicemails from ABC Fitness Solutions automated system in reference to this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello my name is XXXX XXXX. Im making a complaint to citizens bank the reason why is because they hold my check saying its fraud, they reject and its still being hold. 
XXXX XX/XX/11 I think I received the check from a company that helps people with their rent. 
( XXXX rent relief ) Im currently was living in XXXX and was in out XXXX. So I got the check I mobile deposit it on the XXXX. Citizens accepted they check and cash it. I call chase it was cashed on the XXXX. They hold my check up until XXXX of XXXX. They said it was declined and reject getting sent back to the XXXX relief. So I call back they told me my check was still on hold so I need help. This bank is hold my money when Im behind on rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second time reaching in regard to XXXX. EXPERIAN, AND XXXX! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!

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 2022-02-24
Company: Experian Information Solutions Inc.
State: MO
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-04-24
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted an IDR renewal application to Navient on XX/XX/XXXX. I received an email from Navient on XX/XX/XXXX confirming that my renewal application had been approved. I believed that the issue was resolved at that point, but I received an email from Navient on XX/XX/XXXX stating that I had not submitted an IDR renewal application, and that my payment would be raised. I called Navient on XX/XX/XXXX, and spoke with " XXXX, '' who gave his employee identification number as XXXX. He told me that it appeared that the application had only been processed for part of my loan. He told me that he put in a request to the department responsible for processing the IDR requests, and that it would respond by XX/XX/XXXX. I'm going to either have to request a forbearance, or pay the higher amount. Either way, it costs me more money. This exact situation already occurred last year, and I ended up having to call three times after reaching this point in the process, before the third customer service representative finally took some sort of action that got results. They offer no sort of ticket number to follow up on their customer service problems, so each time I call, I have to start from the beginning with a new person. I have lost patience with Navient 's sloppy work, and I'm tired of having to jump through hoops to get them to fix their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify the account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. 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 2022-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-24
Company: EQUIFAX, INC.
State: MO
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX , NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
A dispute with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was received on XX/XX/XXXX via certified mail. As of todays date, XX/XX/XXXX, I have yet to receive a response from this company in regards to the validity of this account. The FCRA allows for such company 30 days to response, I have yet to receive a response.

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 2021-03-05
Company: Capital Link Management, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital Link Management LLC sent a text message to phone numbers I never supplied the original company exact amounts of debt alleged and payoff options. This was sent to Family and friends. This was a debt where the card was compromised and used for online purchases that were not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation