BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX, Account:XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

This is a fraudulent account ; I did not open any account with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
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:
I reviewed my Consumer Reports and noticed that I had a bankruptcy on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account US BANKRUPTCY XXXX Please investigate and provide Proof OF BANKRUPTCY. If proof can't be provided I demand this bankruptcy be removed.

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 2023-04-23
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX XXXX, XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
This account is a fraudulent account, same account number reported twice on my credit bureau with different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Several transfers were made out of my bank account and even and over the counter withdrawal wells fargo never got back with me and closed my accounts took the money

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 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 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 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

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: AXOS FINANCIAL, INC.
State: GA
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 checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 recently tried to buy a home to better me and my families life and I noticed that there are some damages on my credit report. I've already been in breaches and I thought my information would be protected. 

Now my family and I are being affected and its negatively impacting my emotional and mental state. It's also a deformation to my character. 


According to 15 U.S.C 1681 THE ACCURANCY & FAIRNESS OF REPORT & 15 U.S.C CODE 1692G VALIDATION OF DEBTS, the law was broken because these damages are fraud and illegal.

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 2023-04-23
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2023 XXXX EST Amount = {$570.00} Seller advertised concert tickets on XXXX. After agreeing to a set price of {$550.00}, we exchanged PayPal information. At this point, {$550.00} was transferred via PayPal to the seller. After numerous texts to have the tickets transferred, they asked for a " show merch-fee '' of {$200.00} additional. Seller was reluctant to transfer tickets until the {$200.00} dollars of additional fees were sent. At this point, we believe this activity to be very suspicious, therefore, I contacted both XXXX XXXX and PayPal to stop payment as we never got what was advertised. Subsequent, seller was contacted on numerous occasions to cancel transaction, but I never got a response and was ghosted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Credit Fresh Holdings 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXXCREDFRSH, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

This is a fraudulent account ; I did not open account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid in full Synchrony bank for Sam 's Club credit card {$680.00} twice. Once on XX/XX/XXXX and again XX/XX/XXXX thru their online payment portal. I was given an error when making the original ( first ) payment stating it did not go thru so the next day i made it again. However both payments went thru. When I contacted them, the agent advised me to make a stop payment on one of them thru my bank, which I did. I made a stop payment on only one payment. On XX/XX/XXXX I reordered a new card, I was told their backline department had incorrectly made a payment correction and it showed I still owed the {$680.00}. There has been been 3 separate cases opened on this thru Synchrony Bank managers ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I was also told it was sent to the finance department to fix. I also filled a corporate complaint on XX/XX/XXXX. Since then I have been dealing with them trying to get this corrected and get credit for the payment paying my card off. I have provided statements and tracing numbers from my bank. Every month I have had to contact them and dispute this. They have just sent me a letter stating the information I have provided hasn't been enough ( full bank statement ) and tracing numbers provided to me by the bank and once again it is showing I still owe {$680.00}. According to my bank, the second payment made on XX/XX/XXXX was the payment that was stopped and the original payment of {$680.00} went thru and Synchrony bank received the funds. I have filed a corporate complaint a XX/XX/XXXX amd did not hear back. 
Please help me finally resolve this. I have done everything they have asked me to and provided all documentation that I can. I am attaching my statements showing both payments and the one stop payment as well as the trace numbers provided to me by my bank. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Payfare International Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I noticed that there were several unauthorized charges on my XXXX XXXXt visa pay fare card through stride. One charge was posted today XX/XX/23, {$5.00} from XXXX XXXX There are also a series of charges listed as pending from several other online merchants, starting with XXXX XXXX XXXX for {$29.00}, XXXX XXXX XXXX for {$28.00}, XXXX XXXX XXXX for {$2.00}, XXXX XXXX XXXX for {$7.00}, XXXX XXXX XXXX for {$7.00}, XXXX XXXX XXXX for {$1.00}, XXXX XXXX XXXX for {$1.00}, and XXXX XXXX XXXX XXXX for {$1.00}. I suspect there may be two possibilities as to how this happened, the first being that my card was skimmed at a local gas station or restaurant as I visit them often while working as a XXXX. I also did some research on XXXX XXXX and found that my password to the virtual wallet had appeared in a data leak and was at a high risk of being compromised according to apples password page, which I was never notified of. I contacted the XXXX  support team, which is a subsidiary of the XXXX XXXX XXXX, and they told me they issued a support ticket for my issue and someone would contact me in 24-48 hours, although unfortunately there is no one available on weekends so Ill likely have to wait until Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 there was a transaction made on my Citi Bank account in the amount of {$2100.00} with XXXX in XXXX, XXXX. The transaction was a mistake given issues on the companies website and within minutes I called Citi Bank to cancel the transaction. I was told that it had been declined, however that if it went through that I shouldn't worry, that they would take care of it and cancel the transaction. The person I spoke to then instructed me to submit a claim. 

Additionally, I stayed at another hotel on those exact dates charged to that same credit card, which is another proof point of why I would have never used the services of XXXX. 

Immediately, I submitted my claim and was given temporary credit, while the situation was investigated. I communicated with various different people and on XX/XX/2023, I was told that I was found responsible. I then called again and resubmitted information to reopen the investigation and was told that they would reopen the investigation and that I would hear back again and that I shouldn't worry, that I would be taken care of. 

In the dispute center, on the online app, it currently reads that my situation should be resolved no later than XX/XX/2023 and I called today XX/XX/2023 to be told that there was nothing that could be done for me because the merchant of the hotel ( that I never stayed at ) had been credited the money. Through earlier conversations with Citi Bank employees in XXXX, this was never communicated to me. 

Throughout this entire process, I spoke to someone named XXXX located in the XXXX, XXXX located in Arizona, and XXXX based in the XXXX as well as several other people. 

I'm extremely frustrated with this whole process and have never experienced anything like this with any of my other credit cards. Given that I was not given adequate communication, assistance or support through this, I decided to cancel my credit card with Citi Bank and will never again reopen. 

There was a lack of honesty, transparency, and customer support on behalf of Citi. The moment I called, minutes after this transaction was made by mistake, I was told I would be taken care of and that the transaction would be cancelled. However, each time I called I was given different information and clearly given inaccurate information and transferred to different people. 

As I was closing my account, I was told by someone named XXXX that I would be getting a {$99.00} credit given my experience, which was extremely insulting and disrespectful.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: MI
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:
I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX  ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY 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 consumer reporting agency can not furnish an 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 that antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. 
If the person knows or have 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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX  ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY 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 consumer reporting agency can not furnish an 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 that antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency.

If the person knows or have 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 2023-04-23
Company: HANCOCK WHITNEY BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
A check made out to my buisness was deposited into someone's account at Hancock Whitney Bank in XXXX XXXX No one at this bank has legal legal access to my LLC. I am not sure whose account it was but the bank refused to help me. The customer who wrote the check didn't want to get involved because they said they got there car and paid and it's my problem if someone did this to me. 

The only bank my LLC banks with is XXXX XXXX XXXX XXXX in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX, I went into Truist Bank on XXXX XXXX in XXXX, NC to open a new checking account with XXXX XXXX. I was on a joint checking account with my DAD, who passed away on XX/XX/XXXX. Well they did not open a new account, they simply removed my DAD name and ordered me a new debit card. I don't recall being told it would not be a new account. In addition, on XX/XX/XXXX I opened a Money Market Savings with XXXX XXXX. On XX/XX/XXXX the US Treasury sent a reclamation for XXXX for a payment for my dad. There was not enough in that checking account. Truist just went into my personal money market savings and took the payment to pay the US Treasury. I spoke to US Treasury and per them, Truist should had responded to the reclaimation that account has closed or was insufficient and they would have pursued his estate. Truist supervisor XXXX state they could go in ANY account I have to pay for my dad obligations, due to I signed a signature card for the joint account and because I was a beneficiary. I spoke to a branch manager, XXXX, she advised that is impossible. I can't be a joint and a beneficiary. I have a long of the 25 times I have called the local branch and call center. NO one will ever back. Local branch said this is out there hands.

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 2023-04-23
Company: Alorica Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I originally received a loan from XXXX I was given XXXX up front and have a XXXX bye weekly payments, I had a little over XXXX left to pay off and then have access to the XXXX. I paid off the loan a week ago and they will not let me take my XXXX because of some process I was unaware of. I originally got my loan from XXXX  about 7 months ago XXXX sold the company to sst now I cant access my funds until they deem it on. So I ask that all the interest my money is gaining by sitting in the bank am I going to get he told me no me building a savings account is for me not you. So now I paid them interest on the loan and now my money is sitting in the bank gaining interest for them because they wont let me access it til they deem it ok. I have guys name and badge number that pretty much told I have to wait

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated phone calls even though I asked and written them requesting them to stop calling. 

Calling late at night, very early in morning, and during work hours. 

Received threats of court action, being unable to register a car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I purchased a hotel reservation via XXXX for a stay XXXX. When I received the confirmation email for XXXX, I immediately called the vendor and reported the inaccuracy. This was done well within the 24-hour window, established for travel cancellations for any booking made in the USA. Much to my frustration, I had to argue with someone who barely spoke English, who was programmed with a machine like voice to tell me that the reservation is not subject to cancellation. The person knew nothing about the 24-hour window rule. Also, the vendor de facto had no way to address discrepancies due to its own software. I then had to purchase another reservation, and this time it was correctly dated.

One of the two reservations, however, should be null and void.

Company response to consumer: Closed with explanation