BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO ND XXXX XXXX CO - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.

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 2023-05-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
AMEX can not supply proof of payment via statement stated XX/XX/2023 for payment in the {$14000.00}. It is not available online as well. They can not offer an explanation as to why the statement did not generate with my payment details. Due to the large payment amount I need proof of transaction. It is not listed on the XX/XX/2023 or XX/XX/2023 statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: LA
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:
I have identified inquiries on my report are not related to any transactions completed by me. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry 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 2023-05-31
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:
Despite multiple written requests, the unverified inquiry listed below continues to report on my credit report in violation of federal law. This inquiry must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not delete this inquiry, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Certegy Holdings, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having an issue getting my XXXX, XXXX XXXX and Certegy credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Early Warning Services, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having an issue getting my XXXX, Early Warning and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTICE TO CEO & CFO OF NETCREDIT LOAN SERVICES LLC CRIMINAL INVESTIGATION Please take notice that this is a criminal investigation of the business practices of the above named, organization or other governmental unit, its agents, officers, employees, and attorneys to determine violations of the United States criminal laws. NETCREDIT CEO & CFO claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18, Sec, 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 Sec. 1961 et. Seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names THIS IS A WARMING TO NETCREDIT CEO AND CFO TO STOP YOUR ILLEGAL, EXTORTION AND RACKETERRING ACTIVITIES IMMEDIATELY OR FACE CRIMINAL CHARGES UNDER FEDERAL LAW. I DEMAND YOU TO COMPLY OR FACE LEGAL ACTIONS. 

NOTICE I am requesting an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NC
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. 

Account name : XXXX XXXX XXXX : Account # XXXX 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 2023-05-31
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a debt owed to XXXX. They sold information to a company which is now stating I opened an account with them XX/XX/2022. That information is false Ive never opened an account with this company before. They are claiming I owe them {$1900.00}. Which is false. This information is reporting falsely to all the credit agencies and needs to be removed immediately. They dont have any knowledge of me opening anything or my signature on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BILL.COM, LLC
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I am due a {$500.00} bonus for successfully completing the requirements for both a publicly available and personally targeted promotion offered by XXXX from Bill Pay. 

Promotion : " To qualify, customers must XXXX ) open an account within 60 days of responding to this offer, XXXX ) spend a minimum of {$500.00} in Net Purchases on their XXXX business card within 45 days of account creation, and XXXX ) complete a balance payment of over {$500.00} per the account payment terms. '' XXXX from Bill Pay offered us a {$500.00} bonus. I fulfilled the requirements of the bonus offer from their promotion. I have documentation of both of the promotion and successful completion of the offer. 

I am expecting the {$500.00} bonus to be credited to me in some form. After I successfully completed the requirements with Divvy to be due the {$500.00} bonus, I received a notice that XXXX is unwilling to fulfill the {$500.00} bonus that I am due for completing the requirements. 

I reached out to customer support on XXXX XXXX to inquire about why they suddenly am unwilling to fulfill their part of the promotion for my account. I was told that because they closed my account that I would not be receiving the promised {$500.00} bonus for successfully completing the requirements of the promotion. Even the customer service representative told me she acknowledges that I did successfully complete the requirements and that she understands that this is frustrating for me. 

This is not acceptable for a company to do this kind of false advertising or to not fulfill their obligation to honor the promotion after the customer has met the requirements. 

Attached you will find information about the promotion as well as proof of successful completion of requirements. 
Timeframe XXXX XX/XX/2023 account approved and opened XXXX XXXX {$500.00} spending requirement met XXXX XXXX successfully made {$500.00} payment toward amount due XXXX XXXX the company representative XXXX I chatted with acknowledged that I completed the requirements for the {$500.00} bonus I am still receiving e-mails from XXXX  from Bill Pay acknowledging the promotion is active on my account. I have unsubscribed from commercial e-mails from XXXX from Bill Pay and continue to receiving unsolicited spam e-mails as well even after I previously have unsubscribed from marketing e-mails multiple times. Just this week, I received another e-mail offer from XXXX regarding a separate {$480.00} bonus offer. 

I just want this thing settled and I want the missing {$500.00} that I am due from completing the promotion. 

Looking forward to a resolution. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Capital One repeatedly " double dips '' my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly. 

XXXX places duplicate charges on my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly. 

XXXX places duplicate charges on my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
On XXXX XXXX I submitted a dispute to the bureaus to remove unverifiable information. Per the FCRA 609, it states the Credit Bureaus must verify ALL information received from creditors BEFORE placing it into a consumers credit file. This means that they must have the ORIGINAL SIGNED DOCUMENT from the creditor before they can report it. They have not responded nor have they provided " verifiable '' proof beyond the scope of what was reported to them in error. Reference CFPB COMPLAINT ID XXXX. What they did was validate the debt with the dent reporter. I did not ask for debt validation, I asked as my right per the FCRA 609, that they provide me with proof they have followed the law and have proof of the originasl contract. They did not send me that .The FCRA states to legally report anything the bureaus must possess the original contract. They have failed to produce this to me so I am demanding they remove the " unverified '' 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 2023-02-08
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, and 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

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 2020-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
They had 30 days to investigate the dispute. The 30 days are over so therefore they have to delete the information BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 2023-05-31
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am currently banking with Truist Bank. I have been with them majority of my life. I have never had problems with fraudulent transactions until XX/XX/XXXX. The last transactions that were made by me were on XX/XX/XXXX at XXXX XXXX, XXXX and XXXX XXXX XXXX. I will attach all transactions below. I believe when I went to XXXX someone had a skimmer and stole my information because the following day I noticed 6 unauthorized transactions. The first was XXXX for XXXX, second was XXXX for XXXX, next was XXXX  for XXXX, XXXX was XXXX XXXX for XXXX, next was XXXX by XXXX for XXXX and the last was for XXXX XXXX XXXXe for XXXX. I did not make ANY OF THESE and was denied by Truist for my claims because a chip a was used in their transactions. As soon as I noticed the transactions I called and filed the report. I need my money back and willing to provide any information to fight this because I am now down my hard earned money with no way to recover. I am wiling to explain in more detail if needed but I believe someone used a skimmer at the XXXX I went too.

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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CAPITAL ONE 360 PERSONAL CHECKING PLACES OBSTACLES FOR DISPUTING POSTED AND CLEARED TRANSACTIONS - CUSTOMER SERVICE REFUSES TO ACCEPT DISPUTE OF DUPLICATE CHARGES AND REFUSES TO REMOVE FALSE UNAUTHORIZED DUPLICATE HOLD FREEZING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: AAA Collections
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A male called from ( XXXX ) XXXX. I've informed AAA Collections XXXX Advanced Asset Alliance Company ) that I am a XXXX XXXX and DOT regulated. I informed them that I will need to be contacted via mail due to my work hours and being unable to be on the phone and drive. The male on the phone became hostile after I asked my request and he started harassing me about whether or not I'll even pay a debt or do my responsibilities. I informed him multiple times that I need to get off my phone and the agent wouldn't comply and only continued to verbally harass and belittle me. This took place today XX/XX/2023 at XXXX. I'm unaware as of the amount at this time, since I've yet to receive any info in the mail on this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Scratch Services, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2023 I contacted my loan servicing company, Scratch, about applying for forbearance. At the time, I was nearing the end of a work contract and knew I would not have employment/would not be able to pay back my loans while I got back on my feet and I wanted to be proactive. I received no response until XX/XX/XXXX, when I was told how to apply for forbearance. I completed my application and submitted supporting documents on XX/XX/2023 and was sent confirmation that my application was received. I received no updates on my application for a month, and on XX/XX/2023 I called Scratch 's customer service like for updates - I was put on hold indefinitely. I then sent an email to Scratch 's customer service describing the issue that still has not been responded to as of XX/XX/XXXX, though they say their emails are responded to within 2 business days. The next day, XX/XX/XXXX, I called back and discussed my problem with an agent who told me that my application had not even been reviewed. She assured me she would put it through for processing and would send me a confirmation email. I never got this email. Today, XX/XX/XXXX, I attempted to call Scratch once again to resolve my issue, as I still am unable to pay my loan for this month due to unemployment, and when I called I was told that there were no customer service representatives available to help me, and to leave my contact information in a voicemail so that someone can call me back. I am tired of this run-around process, and would hate for non-payment of my loan to be counted against my credit report simply because Scratch could not do its job as my loan servicer and work with me.

Company response to consumer: Closed with explanation