BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
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 XXXX ( Account Name-XXXX XXXX XXXX ) ( Account NameXXXX XXXX XXXX  XXXX XXXX ( Account Name-XXXX XXXX XXXX XXXXXXXX ) ( Account Name-XXXX  XXXX ) ( Account Name-XXXX XXXX  XXXX XXXX ( Account Name- XXXX XXXX XXXX XXXX  XXXX ) ( Account name-XXXX XXXX XXXX XXXX ) ( Account nameXXXX XXXX XXXX  XXXX ) has violated my rights. 

15 U.S.C 1681 SECTTION 602 A States I have the rights 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. 
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 2023-02-03
Company: TD BANK US HOLDING COMPANY
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: Public record information inaccurate

Complaint:
On XX/XX/2023 I contacted TD Bank and let them know that the action they had taken on my account had been based on the wrong information. 

They sent a letter in which they have decreased the credit limit by almost 50 % based on 1- Derogatory public records or collection fraud 2- Length of time the accounts have been established 3- No recent installment loan information 4- Number of recent inquiries When I contacted them and asked for clarification they could not provide even a short explanation for the information and eventually declined to take any steps to resolve my concerns. It also damaged my credit report since the usage of the account went up by reducing the credit amount. 
For clarification : after I got credit from them I reduced my debt substantially. So, I even revived an increased update from some credit companies. 

Their actions and decision makings have been based on wrong information to deliberately damage my credit report. In addition, they have used false and wrong information for their actions which even they could not clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
i have further been unable to get my money from merrill, i did a mobile deposit of XXXX into my account on XX/XX/2023, the check came on my middle name and last name ( XXXX XXXX ) so i signed the back with my full name XXXX XXXX XXXX, the money was paid but My account was closed as far back as XX/XX/2023, when i called for my money i was told told my check has been processed and i will get it in 7-10 days, so i waited till XX/XX/2023, i have to travel on XX/XX/2023 so i was trying to get my money my check did not come in the mail so i called Merrill and i was told by a manager that my check wasn't mailed that they sent my money back to the bank where it came from, since i didn't do anything fraudulent i pulled a call through to my bank at the other financial institution and they told me Merrill never sent them my money, that they've paid my money to merrill since XX/XX/2023, merrill cashed my check since XX/XX/2023, why is my money still with them? also after closing an account the rule states you mail a check to the last address on file, i have waited long enough and now i have my business to attend to .i have attached evidence of call to merrill XXXX and to the other financial institution and also attached the prove that my check was paid to merrill XXXX along side a copy of the legitimate check deposited into my merrill account. I NEVER DID ANYTHING FRAUDULENT. why did merrill had to lie to me that they sent my check out on XX/XX/2023? why did they have to lie when i call on XX/XX/2023 that they sent my money back to the bank it came from? why are they holding my money after closing my account? why did they violate the regulation E by holding my mobile deposit for over 30 days after getting paid for a legit check.

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 2023-01-17
Company: Scratch Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a letter in the mail from Scratch Services LLC XXXX XXXX XXXX XXXX XXXX CA telling me I have defaulted on a XXXX loan issued to me under the XXXX. I never had such a loan, never got XXXX, don't have a business. The letter says they have previously tried to contact me to pay XXXX XXXX XXXX  {$19000.00}. I have never heard of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Block, Inc.
State: TX
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:
My card was charged by cashapp without my permission. I asked about the charge and they mentioned that it was money from a month ago charged by XXXX, however it was not XXXX, it was illegally removed from my account. No record of anything they are saying. They just took out XXXX dollars and they are continuing to take more, little by little.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Atlanticus Services Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had repeated problems with my aspire mastercard. first I had problems logging in and submitting payment. they charged my late fees which I was unable to recover. customer service was incredibly slow and difficult. I kept the account open, to prevent adverse effect on my credit report, but I stopped using the card. 

now I have found sudden " account maintenance fees '' of XXXX $ a month added to my account. I never agreed to or was notified of these terms. again customer service was difficult to access and tried to give me the run around. 

after great difficulty I was able to close the account and they agreed to drop the fees after I mentioned filing a complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRUIST FINANCIAL CORPORATION
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 have multiple hard inquires on my credit report by a dealership that was not authorized.

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 2023-01-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account was placed with our office by creditor XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Creditor retains ownership of the account. This is not a purchased account, the creditor retains ownership. The account was placed with our office for the purpose of collecting. On XX/XX/XXXX our office mailed validation to the consumer to the address on this Complaint. Validation included the Statement of Deposit and signed Lease. The consumer states she does not owe, but does not give any explanation as to why. Without further explanation, the account will continue to report and will not be returned to the creditor. This is the response by XXXX. 

I see that on XX/XX/XXXX XXXX got sued due to " ailing to maintain reasonable policies and procedures regarding the accuracy and integrity of the information it furnishes, including the handling of consumer disputes, failing to conduct reasonable investigations of certain consumer disputes, and failing to cease furnishing information that was alleged to have been the result of identity theft before it made any determination whether the information was accurate ''. 

This company stated on a recorded line on XX/XX/XXXX that this debt have not been validate but yet in XXXX they said it was validated. I spoke to a representative named XXXX in the collections debt. 

This is an assumption that this debt is mines and no validation and verification have been taken place. This should have been before defaming my character and violating my rights.

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 2023-01-17
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:
In accordance with Fair Credit Reporting Act consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-02-11
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:
So, I sent XXXX letters out on XX/XX/2022. Here are my tracking numbers. 
XXXX # XXXX, Experian # XXXX, XXXX # XXXX. To remove personal information, I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802 no financial institution is not suppose to share my information to third party people these are clear violations of my federally protected consumer rights.

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 2023-05-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Credit Card with XXXX XXXX and XXXX through Commenity Bank. I paid what I thought was my balance in full of {$30.00}. Then they charged me a {$2.00} interest fee in XXXX, which I was unaware of. Therefore I received a late fee of {$2.00}, and another interest charge of {$2.00}. I went ahead and paid the balance on XX/XX/2023. However, they told me I was going to receive another late fee of {$6.00}. So now, I have to pay that as well because I paid the bill on XX/XX/2023 instead of XX/XX/2023 when I thought my bill was paid in full back in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Back around XXXX. I had funds left over from my employee since I was retired. It was in my checking account for Wells Fargo bank and I had this account since XXXX. So I was under the impression that myself being a loyal customer and I was always reminded of this, I figured that would give myself a little leeway to my account. So to protect myself I had opened up two more account and just to be safe. Well. I wasn't aware that I was going to get scammed but I told the bank official and I guess with the new XXXX things change. Without warning they closed my account didn't call but mailed me letters after the fact.

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 2023-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a {$40.00} late fee on my Capital One Credit Card on XX/XX/2023. 

My due date was XX/XX/XXXX, and I have made 2 payments on the XXXX. A payment of {$94.00} ( minimum required ) + a payment of {$100.00}. The first payment was made online, and the second payment was made over the phone with a Capital One employee. 

I called Capital One about this fee, and they said they charged me because it is their policy to consider any payment made after XXXX " late ''. My first payment was made at XXXX according to them. And the second payment after XXXX. 

Capital One is refusing to remove the fee. I would like to dispute this charge because it is unfair given the fact that I made my payments on the XXXX. 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
There's more to the story but this is the gist of it my ex-boyfriend has went into my cash app and changed all my cash-up information to his information and has logged me out of it log me out of my new cash app and has blackmail me to do this and I have proof showing that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am writing this letter to you regarding account XXXX  : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed payment. I have disputed the completeness and accuracy of the disputed information. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: Account information incorrect

Complaint:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from US DEPT OF EDUCATION that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with US DEPT OF EDUCATION and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: Synter Resource Group, LLC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Synter Resource is trying to collect a debt from us that is not owed. The debt was sold to them by XXXX  XXXX for " redelivery fees '' that were incorrectly billed to us as we have no contract with XXXX  and we were the receiver and not the originator of the shipment nor the company who paid XXXX for the shipment. Our business was also open on the days XXXX is stating they attempted delivery and XXXX also stated they set up a shipment time and has an employee who has not worked here in over 3 years as the employee they talked to. All of this information has been provided to Synter Resource over the telephone as well as sent over and over to them via email since they are emailing every single day, and in their email they state " Or, if you have any questions, you may contact XXXX XXXX at XXXX x XXXX or via email at XXXX. '' I have not once gotten a reply to the emails I have sent. Synter Resource is not following through not providing any response to what I have sent them and continues to harass via email and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have both a Mortgage and HELOC with Truist Bank The Truist HELOC send notice that we need to send current proof of flood insurance, which we did online on their website and received confirmation. then received another letter that they did not have and if we did not respond by XX/XX/XXXX that they purchase insurance and charge us for it. We send copies before the deadline via website, via phone conversation /emails and via local branch of copies of the policy, but Truist is charging for insurance anyway due to the fact they are 5 days behind on processing. Not only have we complied ( with confirmations ) nowhere did they state that it needed to be send 5 days before deadline or we would be charged. We also can not make a payment without paying the insurance charge! I am sure if they are doing this to us they are doing this to thousands. Also where is the information going? If they can't keep up with a policy on their own website how can I trust they can properly account for 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 2023-01-18
Company: ID Analytics, 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 are reporting at least 3 bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed Jointly with someone else which clearly is a Violation in Privacy and they are reporting inaccurate information I am am a victim of identity theft and have security freeze on my account about it I have done multiple requests for them to verify the correct information and they have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: MI
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 the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-18
Company: Experian Information Solutions 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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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