BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone tried to open up a credit card in my name with truist bank. We called the bank to let them know. And they referred us to this form. 
The credit card application was denied, but we wanted to make them aware that we did not attempt to open.

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 2023-06-06
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 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. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank of America sent a letter dated XX/XX/2022 notifying me of suspicious activity and temporarily suspended my account with a cycle date from XXXX XXXX XXXX. Enclosed also was a statement with all the fraudulent account information in the amount of {$14000.00}. I called Bank of America and they said to call the local Sheriff and file a police report, but the Sheriff Office said I need a case number or documentation from Bank of America saying they suspended the account and I am in the process of getting that information. As of right now the account is temporarily suspended. 
I have not applied for any type of credit for any reason, and I would like to get this taken care of as soon as possible and have this fraudulent account removed from all three of my credit reports.

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 2021-04-26
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went through the help of a debt consolidation company, XXXX XXXX to help with the overwhelming debt I incurred over the years. The payments went smooth and everything was paid on time. My Synchrony mega group account was from original balance of {$2700.00} to the settlement amount of {$1000.00}, and was paid off and resolved in XX/XX/XXXX. That account was taken out in XX/XX/XXXX. Starting in XX/XX/XXXX I started getting letters in the mail that the account was charged off and sent to a collections agency. I've disputed the information and requested a payoff letter from XXXX to which they have never provided. I disputed it with XXXX XXXX and XXXX where the collection letters came from. They said that my information wasn't enough to prove that it was paid off when I have the literal receipts of payment. This is putting my livelihood at jeopardy because I'm not able to do things that a credit check is needed for.

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 2023-08-02
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela initially did not provide me with my financial/payment history as I requested repeatedly. On XX/XX/XXXX a Mohela customer service representative told me that I was in deferment or a forbearance for much of XXXX and XXXX when in fact I was not and was making payments and was in repayment status. Mohela was my loan servicer in XXXX, XXXX, and XXXX. Finally, after several months, the company finally sent me the requested payment history information on XX/XX/XXXX via their online portal. Mohela keeps sending me responses saying that I have XXXX qualifying payments toward Public Service Loan Forgiveness. However, these XXXX qualifying payments do not include all the payments I made in XXXX and payments I made in XXXX and XXXX according to their payment tracker and according to the payment history report dated XX/XX/XXXX which I note now includes all of my payment history. The report provided on XX/XX/XXXX yields a qualifying payment count of more than XXXX. My qualifying payment count is missing approximately XXXX qualifying payments made in XXXX, XXXX, and XXXX. 

Mohela says that the payment tracker is updated upon confirmation from Federal Student Aid. However, due to Mohela 's handling of my requests and inaccurate reporting ( via a customer service rep ) of my payment status in XXXX and XXXX when they handled my loan, I don't have faith that Mohela has sent over accurate payment information to the Dept of Education/FSA .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX-Acct # 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 2023-02-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX  account linked to address in police report not mine, XXXX XXXX XXXX XXXX XXXXXXXX was opened during covid fraudulent late payments poster please remove, XXXXXXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on open sky showing balances, showing late payments and repossession codes on a credit card, after card or account was closed

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 2024-01-02
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:
I previously filed a complaint against Wells Fargo who continues to make a legal determination on my behalf with being my legal consul or attorney. On or about XX/XX/2023 I was made aware of a XXXX XXXX taking money out of my account and I immediately made Wells Fargo aware of this situation and they continue to deny credit my account for XXXX stating that the transaction were authorized. It has come to my attention that according to the agreement/contract that I sign with Wells Fargo they have that specifically states that if you tell us within XXXX business days after the loss, you can lose no more than XXXX so why are they withholding XXXX which way more than XXXX. They are now in XXXX of contact and I will be filing a XXXX claims for not only XXXX of XXXX but securities fraud.

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 2023-05-15
Company: Sequium Asset Solutions, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was charged for move-out items by Sequium Asset Solutions two years after moving out and after paying the charges via a payment plan to the management company XXXX. Sequium sent a collections letter in XXXX of XXXX ( I moved out XXXX of XXXX ) saying I owed {$790.00}. After trying to verify this debt from the management company and apartment complex, I received no further information saying that I owed this amount. The apartment complex told me that they switched management companies in XXXX of XXXX and had no information on these charges. When I spoke to Sequium they would not provide any additional information except the balance owed, and used aggressive communication tactics to get me to pay the debt without verification that it was legitimate. Due to the time that passed between moving out and the bill being sent to collections, as well as it not showing up on my credit report, and without confirmation of the legitimacy of these charges, I believe this may be a scam. I see Sequium has numerous reports against it, and it is very difficult to discern as a consumer whether this debt being collected is legitimate, except for viewing my credit report where there is no collection reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: MO
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:
I am writing to express my deep frustration and dissatisfaction regarding the multiple unsuccessful attempts to correct the inaccuracies on my credit report, specifically concerning late open accounts and the removal of late closed accounts. Despite my persistent efforts to rectify these issues, they persist, casting a shadow on my financial standing and causing unwarranted distress. 

I first brought these concerns to your attention, and since then, I have made numerous attempts to resolve these matters. Unfortunately, my previous attempts have proven fruitless, and the late open account and late closed account continue to mar my credit report, negatively impacting my creditworthiness. 

This situation is not only causing me financial hardship but is also eroding my confidence in your dispute resolution process. I have submitted the required documentation and followed the established procedures diligently, yet the corrections have not been implemented as expected. 

I demand an immediate and thorough investigation into the persistent issues with my credit report, with a specific focus on the late open account and the removal of late closed account. Furthermore, I insist on a detailed explanation for the repeated failures to address these matters adequately. 

I understand that errors can occur, but the prolonged nature of this issue raises serious concerns about the effectiveness of your credit reporting system and dispute resolution procedures. I expect this matter to be treated with the urgency it deserves, and I demand a comprehensive response within the exact time frame from the date of this letter. I am asking for your assistance to correct these late open account and remove the late closure in my credit file : 1. XXXX XXXX Balance Owed : {$130.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
2. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It has come to my knowledge that my credit report has inaccuracies. Several inquiries on my current credit report are inaccurate, and need to be removed asap! 

XXXX XXXX XXXX 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 2023-09-26
Company: Bliksum, LLC
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was in the market for a new home, and in a review if my credit report, I noticed that the status of an old paid off account has been reporting negatively with inaccurate information. I called the company and was advised that it will be fixed, as of XXXX  the account is still reporting incorrectly. 
This account was paid off in XXXX XXXX XXXX, and my credit reports last activity XX/XX/XXXX, and that the account is 180 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I bank with Chime. One day when trying to log into my account I get an error that says there has been unusual activity and they need me take photos of my ID and a selfie to verify my identity. Trying to do this with the app doesn't work and I am met with an error message that says " Yikes, that didn't work. '' I reached out to support via phone and was told to email their support team. The support team repeatedly asks me to try to verify my identity via the app. I keep telling them it's not working. They then send me a link to a dropbox where they would like me upload photos of my ID, a selfie, and a photo of me holding my ID and a piece of paper with my name and today 's date on it. 

I completed all these steps and was told the access to my account has been restored. I then try to log into the app and am met with the same error message that I got originally. I reach back out to customer service and they want me to complete this whole process again. This is a never ending cycle. I have completed this process three times now to no avail. Each email I get from them is from a different representative giving me the exact same information/requests I have been given numerous times. 

I feel like I am being cheated out of the money in my account. I have no access to my money, can't pay my bills, and feel like I am being taken advantage of. Customer service and their support staff are of no help as I can't even maintain a email chain with the same person. I just keep getting passed around to different representatives telling me the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that TRANSWORLD SYSTEM INC properly investigated this account because there are obvious inaccuracies. 

The date of the last activity does not match. XXXX is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off The Date of the last payment missing. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported TRANSWORLD SYSTEM INC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too TRANSWORLD SYSTEM INC has also Violated XXXX. XXXX. XXXX  XXXX. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising XXXX. XXXX XXXX XXXX where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-14
Company: CITIBANK, N.A.
State: MI
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:
Hello, This is regarding Shop Your Way Master Card ( XXXX  ) : {$4800.00} Balance Transfer Conversion Check ( BTCC ).

I have paid my monthly statement balance in a timely manner.

The problem is when I send additional monies to be applied to the BTCC these monies are applied to the 20-25 day grace period, which is not due until the closing date. I am ialways on the phone with the XXXX representatives to make sure the additional monies will be applied to the BTCC and the representatives all assure me the monies will be applied to the BTCC. 

Soon after, upon my checking and calling the call center again, the XXXX  representatives time and time again, site the system and this is with them asking a supervisor.

Note I have also spoken to supervisors resulting with the same. 

My last payment of XXXX resulted with XXXX applied to the not yet due closing date bill and {$150.00} applied to the BTCC. This ended with the account balance still due including interest, which was not my intention.

Moreover, in the most recent months pass, I paid {$220.00} weekly to pay off this debt sooner and the monies were not applied to the BTCC as intended and as assured to me by the XXXX  representatives.

Also, my last phone contacts with XXXX  representatives ended in the first representative remaining mostly silent with few words of assistance ; the call was disconnected.

The second representative seemed to understand my long-enduring dilemma until she spoke with a supervisor and sited the system as the fault with no reasoning ; she hung up the call on me.

Your attention to this traumatic situation is greatly appreciated. 

Thank you, 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 monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX XXXX on XX/XX/XXXX and was provided my 10 day payoff amount to satisfy my loan in full. I was advised if it was to be paid before the XXXX, the amount is {$4100.00} I made the payment in full on XX/XX/XXXX and the company has not updated the information to reporting bureaus. I have called them XXXX times and been given a different answer. I have files disputes with each of the XXXX credit bureaus and the only update is that the loan balance is now showing the exact amount I paid, but not that the loan is paid in full. They are reporting that I'm 60 days 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