BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
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:
This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: TCF NATIONAL BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I chose to opt out of overdraft protection to avoid being hit with the {$37.00} fee that the bank says I won't get charged if I do this. I lost a source of income and fell into an insufficient fund situation in XX/XX/2021. The bank was making payments above my balance. I received a government payment that allowed me to pay off bills I needed to. But then on It started on XX/XX/XXXX with a {$190.00} payment to XXXX XXXX, and I was charged the {$37.00}. Then a payment on XX/XX/XXXX to XXXX for {$160.00}. And payments will into XXXX. There was a credit memo balance credit added, which only made things worse because it's not apart of my accounting system and cause even more problems with overdrafts. I received another government payment on XX/XX/XXXX, and the credit memo/ debit memo was taken out late, and taken twice. My balance is incorrect and now I'm being hit with even more charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
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 information incorrect

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. 

Account name : XXXX XXXX Acct # XXXX, Account name : XXXX Acct # XXXX, Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX  Acct # XXXX, Account name : XXXX Acct # XXXX, Account name : XXXX XXXX, XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX Account name : XXXX Account name 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 non-monetary relief
Consumer complaint received 2022-08-06
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$20000.00} check at a Truist ATM on XX/XX/22. This is a regular monthly deposit from my business account at another bank which I have been doing for more than 2 years. On XX/XX/22, an " Exceptions/Administrative Hold '' was placed for an amount {$14000.00} till XX/XX/22. This despite the check clearing successfully from the other bank on XX/XX/22 and the funds already debited. In speaking with Truist, I was informed that this was a Large Deposit Hold for 7 days. When I explained that the check had already cleared and I would be unable to pay my bills if the funds were not released, I was informed that there is nothing that could be done. I was also informed that there was no guarantee that this would not happen again. I understand a hold be placed until a check clears but do not understand or accept why this hold could not be lifted.

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 2022-12-25
Company: EQUIFAX, 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:
The following inquiries below are due to identity theft. I've contacted Equifax for the last seven months, as well as sent in the FTC report several times, and the inquiries remain on my credit report. 

XXXX XXXX, XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Thursday XXXX XXXX XXXX. I met with an agent at the Bank of America branch in XXXX, RI. I showed the agent the emails on my phone ( attached to this complaint ) and wiring instructions from the scammer and explained how I verified the beneficiary and he had no doubts. I told him that I called one of the numbers on the email and it was out of service. When I called the other number it got through to someone and I explained what I was calling for and asked to be transferred to the paralegals name at the law firm and then got hung up on. I then told the agent that due to no calls getting through I emailed the scammer asking the amount to verify that this person had access to the closing disclosure, which was a secure document. Only the law firm and broker would know that amount. The scammer got back to me with the exact amount of {$23000.00}. The agent said that was a good way to check and asked if the account name on the wiring instruction matched with the attorney 's name at the law firm and I said yes, which is factually true. The agent also asked if the addresses matched and I said yes, which is factually true. The agent then continued to wire the funds to the scammer using the wiring instruction under my consent. The bank agent in this case should have given due diligence to ensure the consumer is not falling victim to a scam. The narrative shows that there were instances where the bank agent could/should have recognized scam characteristics. Also the agent should have done more preventive care. A first time home buyer who is not aware of mortgage wire fraud would not know if they are being scammed. The bank should be well aware of mortgage wire fraud to help their clients ensure they are sending the funds to the rightful beneficiary. I informed the agent that I could not get a hold of the law firm administering the closing over the phone and that should have caused the agent to advise not to wire until I can get on a call with the law firm. I paid a service fee of {$30.00} and have been a customer for 6 years. Bank of America could have helped in preventing me from wiring {$23000.00} to a scammer and they should improve their services to better protect their customers from scams. All of Bank of Americas action since has been that they sent a recall and that there is no guarantee of getting any of the money back into my account so file a police report. They said they will contact me with updates, but only update me when I call them which consists of holding for an hour.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-09-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2014 {$1200.00} I have contacted the company but they have not given me a resolution

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 2023-04-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 at XXXX I received an email, a text, and a phone call from Wells Fargo Bank stating fraud detection on my account. I checked my account and sure enough there had been multiple fraudulent charges totaling {$3100.00}. There were multiple ATM transactions and two purchases with cash back at a XXXX grocery store. I immediately got on the phone with Wells Fargo told them I still had my card in my property, but that I did not make or authorize ANY of these transactions. Someone also got into my online account and changed my daily withdrawal limit to {$2000.00} and moved money from one account to another. We immediately closed all associated accounts and cards and I was told in 7-10 business days I would have my money back. That was XXXX  night. Two short days later I was alerted that my case had been denied as fraud due to the fact that I still had my card in my possession and the transactions were made not too far from where I live and was now closed. I made multiple attempts to contact the bank. I called XXXX  times and each time was on with them for over an hour as I was transferred from one person to the next each one stating they couldn't help me. Finally on Thursday, XX/XX/XXXX an escalation specialist told me she had assigned a manager to my account and I would hear back within 48 hours. On Friday XX/XX/2023 I went into a branch and spoke with a branch manager who told me he could have my claim re-opened. He called and spoke to someone and then told me the claim was already re-opened and that a supervisor was assigned to my case and he/she had 48 hours to contact me. 48 hours has come and gone and I've heard nothing. When I called back again this evening I was told there was nothing else they can do since the case was closed and that it was not in fact re-opened. I had previously requested the camera and video footage from the ATM 's in question and from XXXX, but they have told me that it will take 30 business days for me to receive this. They said they did a careful investigation into the matter, however they most certainly did not as they did not look at camera footage. They simply denied the claim. This is a lot of money and my livelihood that we are talking about.

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 2019-06-11
Company: SYNCHRONY FINANCIAL
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a letter dtd XXXX XX/XX/2019 from PayPal Credit, Synchrony Bank c/o XXXX XXXX XXXX XXXX, indicating that an account had been initiated in my name, and said letter explained the terms of said account. However, I never requested a PayPal Credit line, and when I log onto my PayPal, no indication of a PayPal credit account is shown. On XXXX XXXX, I wrote a letter to PayPal Credit ... .and indicated that I had not requested nor did I want such an account. I also requested information on any monies activity associated with said account. I received no response from the company so I initiated a 2nd letter, again requesting termination of said account and information on money activity. On the XXXX of XX/XX/2019 I received a response indicating they had initiated an investigation and frozen the account, and would get back to me after the investigation. However, they did not terminate the account nor advise me of any money activity, or explain why they didn't comply with either of my requests. Tomorrow, I'm sending a 3rd letter indicating that their actions were unacceptable, and that I was contacting the CEOs of PayPal, and Synchrony Bank, your organization, and our local Sheriff 's Department.

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 2023-04-18
Company: CORELOGIC 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:
XX/XX/2023 Corelogic ran a credit check on behalf of XXXX XXXX mortgage reporting inaccurate information staging there were XXXX 30 day delinquent mortgage payments reporting from XXXX, XXXX, and XXXX from XXXX XXXX XXXX XXXX XXXX. After further review, neither XXXX, XXXX, XXXX, or XXXX XXXX stated they ever reported or furnished this information on my credit profile. I am unable to open disputes with the bureau 's nor creditor for what they never reported. 
This information is costing my earnest money and appraisal on XXXX investment properties as the lender isn't willing to move forward due to this inaccurate negative reports. I contacted Corelogic who gave no true answer as to how they gained this information that's not accurate. The process to investigate and dispute information with Corelogic is 45 days, outside the legal limits of 30 days and no way to expedite the process due to the urgency of losing thousands of dollars along with the properties under contract.

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 2019-04-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2019 sent {$70.00} through MoneyGram to my son. He travels oftn so during the course of a month I have used this service over the last 2 years. 
Illinois to Illinois, pick up cash at any location He was told that the transaction was " invalid ''. 
I called and was told MoneyGram sometimes reviews transactions and this one was reviewed and cancelled. No Why. The rep just read from a script. He has no supervisor or manager that I could speak to and my money will not be returned for 10 business days. Why was it invalid? My money, I have a right to know why my $ have just disappeared for at least 10 days. Internet blogs seem to indicate that this is becoming a common occurrence since the appointment of a new compliance officer at Moneygram. 

Smacks of deliberate fraud. How much money passes through and is " held '' giving the customer no reason. Quite a large amount of interest to be earned by Moneygram. 
Something is really rotten about this whole thing. 
Authorization # XXXX Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a credit card with XXXX XXXX credit card company. They ran two separate hard hit inquiries without my consent. I understand when you apply for a credit card and complete the process. The company would run 1 inquiry in which I agreed upon. This company ran two and this has effected my credit score and it dropped XXXX points. This company dragged their feet on reporting to all 3 credit reporting agencies in regards to my new account established with XXXX XXXX. I had to call and make a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

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 2023-07-29
Company: EQUIFAX, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Sezzle 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: Account status incorrect

Complaint:
Company is reporting a charged off account with a balance. The account is active with no balance. They admitted they were having problems with their credit reporting and now are refusing to fix it and taking 0 responsibility.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Paypal Holdings, Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I started a purchase on Paypal and tried to cancel it, as I became concerned that the site was fraudulent. Even though I tried to cancel, it went through. I tried to contact the seller with no success. I did not receive an invoice or receipt showing that I had actually ordered my item, but the money was set to come out anyway. I contacted Paypal and informed them immediately so they could stop the transaction but they said they had to wait XXXXdays. I then submitted a dispute and they said it could be up to XX/XX/XXXX before I would have an answer. I just checked recently and found out they immediately closed the dispute saying the money was paid to the seller. I am no longer able to open this claim or ask for it to be reopened. I tried clicking on the message seller button and it says " you're unable to send this user a message ''. This user is a scammer and they took the money but didn't send anything. Paypal didn't even give me a chance to really dispute it before saying the seller got the money as requested and closing the case.

Company response to consumer: Closed with explanation