BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/23 I was charged a {$36.00} overdraft fee by my bank ; Truist. My account balance was low, and I was told it was a recurring XXXX charge of {$16.00} that caused the overdraft. 

I was fully under the impression that my account could not be charged an overdraft fee as I was opted out of all overdraft programs. The language on the app states, " Without these options, transactions exceeding your balance will typically be declined. But, you won't be charged a fee for declined transactions. '' This was not the first time this happened, and a previous overdraft fee from XX/XX/23 was fully refunded after I called to dispute it. I was made to understand that the overdraft fee was in error. However it was regarded in their system as a " courtesy '' refund. 

I asked three different individuals to show me the policy that states that recurring charges are subject to overdraft fees and none of them were able to produce proof of the policy. I was told that they could not refund the fee because I was only allowed one " courtesy '' refund per 24 month period. I insisted that this was not a courtesy, but rather an unauthorized fee and still no one was willing to reverse the fee.

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 2023-08-23
Company: Experian Information Solutions 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:
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 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2022-10-06
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: Information belongs to someone else

Complaint:
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 - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-11-30
Company: DApps Platform, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has blatantly continued reupdating the credit report indicating a balance is owed for, {$140.00} after sending a refund check. 
On, XX/XX/2023, following the last dispute. They stated the account was deleted. They have removed the account from all bureaus, except Experian. As of XXXX, 2023, both Experian and XXXX, reposted the information as updated on my credit file. Experian has actively violated FCRA reporting standards, they have been provided with information and continue stalling with a request for extensive time to investigate only to repost after XXXX days. 
XXXX XXXX, on my call today, they are rereporting because Experian has not given them permission to delete the 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 2022-10-06
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Yesterday ( Wednesday XX/XX/XXXX ), I bought a debit card from Netspend from XXXX. I put {$40.00} in the card. I tried activating it multiple different ways, one of them being through the website, the number, online, every number they provided for customer service and when I tried activating it over the phone they asked for my social security number, my gmail, my date of birth, my name, my address, and the number of the card. Right after I provided all my information, I was told I had to submit my personal documents like my social security number and my identification card to their email. I didnt understand what the reason was behind asking for my information and then saying that I had to submit my personal documents to their site right after I had provided all my information to the lady and had already payed for the 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 explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file : 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 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 2023-08-09
Company: Experian Information Solutions Inc.
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had completed nothing to correct my Credit Report and eliminate the XXXX XXXX totally from my Credit File. I have been sending uncountable letters appealing to Transunion to confirm the disputed accounts and take out them if unable to show that the accounts are mine. I have been a victim of Identity Theft and the accounts I am disputing do not narrate to any business that I have made or approved. I talked to the banks and they agreed to DELETE all the accounts from my file but TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When being asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. I need these accounts deleted based om FCRA laws only : 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 2023-03-05
Company: EQUIFAX, INC.
State: PA
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 has repeatably claimed that disputed inquires were verified and provided no proof that they were. the inquires were done without my permission. 

XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: 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 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 2023-11-15
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I wanted to refinance my loan for a lower interest rate. I had been XXXXXXXX XXXX Wells Fargo for XXXX months. I was all set to close after XXXX months and was told that because of a prior bankruptcy I was not eligible to refinance. I was told in the beginning I could skip XXXX payments. I was told right after the denial that my house would be foreclosed on if the payments werent made. So my XXXX children and myself were forced to move

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 2023-08-25
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX never sent me a bill for the body scan they performed on XX/XX/2022. 

I paid {$230.00}, then they said they would send to my insurance, XXXX XXXX. I never got a bill from XXXX XXXX or from XXXX regarding my XXXX scan. 

I checked my XXXX credit report 2 days ago, and I was astounded to find a collection account on my report from Cornerstone Credit Services. I never received any letters in the mail, nothing. XXXX XXXX sent my bill to collections without notifying me. XXXX never sent me a bill, and now this collection agency put a report on my credit, without sending me a letter notifying me of the charges. 

So this collection agency has broken the law by not properly communicating these issues with me. XXXX XXXX and XXXX have dealt treacherously with me by not notifying me that XXXX XXXX was out of network for XXXX. I am disputing this with XXXX now and trying to get this taken off my report. I can't even validate that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NC
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 want to dispute these accounts and inquiries because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2023-09-20
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/2023 I had a direct deposit in the amount of {$1800.00} directly deposited into my XXXX Bank Account issued by PNC Bank XXXX XXXX, a campus based Federal student loan servicer. On XX/XX/XXXX " XXXX XXXX Banking closed my account due to violating there " ACH Transfer '' or in other words, " Direct Deposit '' policy. But at first they had told me it was for fraud, I was told that the names on the accounts did not match. Which was a complete lie and they disregarded my willingness to provide proof. I have been attempting to gain access to my money for going on 60 days now. I even had an affidavit emailed to me. Printed the affidavit, filled it out, had it notarized and mailed back to XXXX to have sent to the bank who has been holding my student refund because they refused to reverse the deposit back to the loan servicer to have them redirect the deposit to my other financial institution. XXXX Bank has refused to even email me or call and discuss the matter so here I am taking what ever steps I need to to get my money. I have been trying to get my refund since XX/XX/2023 and today 's date is XX/XX/2023 and I am getting the same run around about contacting them, 5 to 7 days for update, never get update then told to contact the school XXXX XXXX. Then they tell me they are waiting for response from them, and so on. I am getting nowhere with PNC Bank, XXXX XXXX banking, XXXX nor XXXX XXXX  XXXX XXXX XXXX XXXX campus. Please help me CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX is reporting inaccurate late payments on my experian equifax credit report. they sold the debt I owed to XXXX XXXX XXXX XXXX XXXX. I started paying this third party debt collector through a debt consoldation program. the first payment was made XX/XX/XXXX. they were paid monthly through ACH transfers with the final payment being made XX/XX/XXXX. this debt was no longer owned by them since it was sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXs reporting late payments from XXXX XXXX XXXX even with payments being made to their debt collector. once the final payment was made on XX/XX/XXXX. XXXX XXXX XXXX XXXX this point added " 30 days late '' een with the debt settled. they are reporting inaccurate late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for equifax. highlighted pictures provided are evidence of payments made to third party debt collector XXXX XXXX XXXX XXXX XXXX for the debt owed. the other pictures are evidence of inaccurate information being reported to my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My USDirectExpress account has been hijacked, over {$60000.00} has been withdrawn without permission, my Social security XXXX account payments have been changed to a bank that I do not have access to, and I can not withdraw money from my account.

Company response to consumer: Closed with explanation