BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
id theft victim XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2021 {$31000.00} Amount Not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX Equifax received and accepted through certified mail a dispute for the following account : ( XXXX XXXX ACCOUNT # XXXX ). Equifax did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, Equifax failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRUEACCORD SENT ME AN EMAIL STATING THAT I COULD PAY MY DEBT TO THEM. I HAVE NEVER BORROWED MONEY FROM TRUEACCORD, NOR DO I OWE THEM MONEY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Santander Consumer USA Holdings Inc.
State: MD
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: Problem with personal statement of dispute

Complaint:
I already reported that Santander XXXX reported me as being charged off for XXXX dollar because of fees that they charged me after my car was paid off. The problem is that they told me three times that they would take monthly payments and that I would be be in good standing. It's on their chat talk web site that they said I could make monthly payments on these " rip off '' charges and that my pay off would be without consequence with these monthly payments. When I called them ( several times ) they admitted that this was said by them. They then said that they told me the opposite on their web site also. What confusion! 

I paid three times what the car was worth, Paid off the car. Then I was put on recored as my loan being charged off when their fees are paid. I should have never been reported as being 90 plus days late on this account. I also should have never been reported as being charged off for XXXX dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have banked with Truist ( formerly Suntrust, formerly XXXX, formerly XXXX XXXX ) for more than 40 years. I now deposit a rent payment from a major company ( into a personal account ) every month on or about the 1st. It is always for the same amount. This month ( XX/XX/2022 ) Truist put a hold on part of the funds for a week. In 40 years I have never had a bad deposit nor an overdraft. Why was ( are they ) Truist allowed to do this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: KEYCORP
State: CT
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:
This is not the first time I have made a complaint about this revolving issue with Key Bank, yet the issue never seemed to be resolved. I continue to get charged overdraft charges when Ive never opted into overdraft protection because I know how banks use these predatory practices to make money off of their customers. I was charged such fees in the past even on everyday atm fees, but have found the email from my account opening that proves I never opted into these services. Also, Key Bank announced that they were ending overdraft fees on their checking accounts, so it still baffles me as to how they are still charging these fees. I was charged an overdraft fee, as well as a RECURRING over service charge on an account where I opted out out of overdraft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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:
I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 EQUIFAX and XXXX XXXXXXXX is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

EQUIFAX and XXXX XXXX XXXXas erroneously since 2019 reported negative and false information to my credit report. 

This entity is reporting a charge off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give EQUIFAX nor XXXX XXXX XXXXritten permission to furnish this account. 

Account Numbered # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : CAPITAL ONE BANK USA Account Number : XXXX Date : XX/XX/2015 Amount : {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: OH
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 U.S.C. 1681 XXXX account # XXXX XXXX XXXX XX/XX/XXXX {$470.00} # XXXXXXXX XXXX XXXX XXXXXXXX account was closed in XXXX {$7800.00} # XXXX XXXX  account closed XXXX {$10000.00} # XXXX XXXX & XXXX account closed XXXX {$110.00} # XXXXXXXX XXXX XXXX XXXXXXXX inaccurate falsely reporting claims {$9300.00} # XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX inaccurate information # XXXX The XXXX XXXX XXXX {$89.00} XX/XX/XXXX inaccurate information # XXXX XXXX XXXX XX/XX/XXXX closed account # XXXX XXXX XXXX XXXXXX/XX/XXXX closed account # XXXXXXXX XXXX XXXXXX/XX/XXXX inaccurate information # XXXX XXXX inaccurate {$9700.00} # XXXX XXXX inaccurate {$7300.00} # XXXX XXXX inaccurate {$4700.00} # XXXX XXXX inaccurate {$3500.00} # XXXX XXXX inaccurate {$3300.00} # XXXX XXXX inaccurate {$3100.00} # XXXX XXXX inaccurate {$2900.00} # XXXX XXXX inaccurate {$2600.00} These XXXX accounts have all violated my rights. 
15 U.S.C. 1681 section 602A. 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. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any items of information or any 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Clarity Services
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: ROBINHOOD MARKETS INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I downloaded the XXXX XXXX XXXX. ( XXXX XXXX XXXX - Company name ). I provided all the information DL, and tied linking a savings account to the app to trade and buy stocks. They tried to take out XXXX out of mt savings, so i stopped the transfer. Since then i have not had my bank linked to the app. I notice that i transferred XXXX dollars from XXXX to XXXX in the beginning. Making no transactions, not buying or trading stocks. My money is no longer at XXXX. I try once again to link my savings account, They will not take anything i give them showing I am the owner of the savings account. I do not get statments in the mail, no on email for a savings account, checking, yes, but not savings. I was not going to give them my account information on my checking account. So instead of accepting the information and many emails about my savings account, they suspend the account. Then they close the account, and say that I authorized a transfer to my savings account for only roughly 80 $ I demanded to know where the rest of my money was, and they give me a " statement '' of my supposed transactions. Only since XXXX. I am missing roughly {$160.00} dollars. Not to mention this is very shady how they can do all of this to peoples account for a savings account that i could not use to make stock purchases or get activated, yet They transferred the money to it? Extremely bad business!! All i wanted to do was get every detail of where my money went, but first all i wanted was to just have the account able to buy and sell stocks. They have cost me a lot. I had others wanting to buy in with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: BANKERS HEALTHCARE GROUP LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am an XXXX on XXXX XXXX... XXXX XXXX I was looking for a Home Equity loan to do some home improvement work. Was approached by this company XXXX BHG - Bankers Healthcare Group ) at work who said they could get hospital employees special loans with low interest and fees. Never really read the paperwork and didn't put two and two together that loans were in my name as a XXXX. Applied and was given a loan - made payments with no problems until XXXX when, as a nurse I got XXXX and was hit hard. Now XXXX  from long XXXX and only just went back to work full time, but have significant other debt from being out and sick. When I called BHG in XXXX to get them to work with me, they were totally nasty and un-accomodating. I had to prioritize bills and pay my mortgage to keep my house first and foremost. After trying for 6 months, they stopped taking my calls. I was dealing with increased health issues and forgot about it. 2 months ago in XX/XX/XXXX, I received notice from some upstate court in XXXX XXXX, that they won a lawsuit against me and were going to garnishee my paycheck going forward. I can't afford for this to happen, I will lose my home. And I was never served at all with court papers, and don't understand how they had standing in a far XXXX XXXX when I live on XXXX XXXX in XXXX XXXX, NY. I was told by a law firm since then, that there is already a sheriffs order to garnishee my check and because they won in court, I have no recourse despite never getting notice of any lawsuit. Any advice or direction you can give me is greatly appreciated. It seems there are several class action lawsuits against them for predatory lending, excessive fees and interest and using XXXX before all names on their loans to avoid NY State lending laws that require more upfront disclosures than they get away with using DBAs and classifying these as business loans. I am not a business or XXXX but a XXXX employee. Help! Please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a 30 day late payment report on XXXX XXXX setup and automatic payment and they make a mistake and never charge my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On Monday, XX/XX/XXXX EdFinancial services received two cashier 's checks from me. Check No. XXXX for {$3800.00} and Check XXXX for {$8600.00}. These checks were cashed on Wednesday, XX/XX/XXXX. I contacted them on XX/XX/XXXX to verify they received the payment as it had not been applied to my account yet. The person I spoke with ( XXXX ) told me to upload the copies of the checks at my account on their website and he stated he opened an incident ticket. He told me it should be resoled within 3 business days. I called back on XXXX to follow up and was told ( missed the name ) that it would take 60 days for them to post the payment to my account. I was also told that XXXX misinformed me when he told me 3 days. The COVID emergency forbearance expires on XX/XX/XXXX. It is my belief that they are delaying posting the payment because they intend to post it after XX/XX/XXXX and proceed to apply excessive charges, fees, etc.. to the my account and force me to pay more. My account # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE 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:
XXXX XXXX XXXX- {$6700.00} Open balance Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence- Please this is not mine.

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 2017-08-13
Company: Creditrepair.com, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
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:
Sir/Madam, There are open credit lines in a credit report with XXXX  which i don't know where they came from.I have never had credit lines with any company whatsoever no matter what.They are all medical bills credit lines ( debt collections ) .I have never visited any hospital or clinic without insurance.I wrote to XXXX, disputed the credit lines ( debt collections ) but i still see the credit lines in a credit report in my online XXXX account.I left XXXX my statement but i still see them online. 
Your consign will be highly appreciated. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX I have been trouble with Equifax updating my address. I have been able to address this issue with XXXX and XXXX and my address was updated no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Victim of a phishing attack that reached me through one of my XXXX   XXXX. Following the direction on an offer of being appointed as an XXXX for a XXXX XXXX company, I withdrew cash for 2 Cashier 's Checks received from the fraudulent party of {$2900.00} each XXXX Total {$5800.00} ) and purchased gift cards for {$5100.00}. Since the bank was able to pay for the Cashier 's Check, it did not occur to me to question the validity of the Cashier 's Checks and assumed those were legitimate transactions. I emailed the scanned copies of the gift cards to the fraudulent party. 

After few days, the bank email alerts me with a negative balance in my checking account for the return of the Cashier 's Checks with notation 'ALTER/FICT '. I visited the bank and explained them the situation and questioned why did they gave me the cash if those were fictitious cashier 's checks. This fraud was avoidable if the bank would have taken the correct step in time. I requested for bank 's insurance to cover this loss which was in part aided by the lapse of verification steps while disbursing money against cashiers ' check. The bank did not consider my request and they asked me to deposit money into the account to avoid further penalties and adverse reporting to credit rating agencies due to the negative balance. 

Generally cashier 's check is issued by bank to a legitimate party only after receiving an equivalent cash amount. Hence it should be within the procedure of the bank to validate the legitimacy of the cashier 's check before disbursing money against that. This understanding of the process caught me off guard and exposed me to this loss. That lapse on the part of the bank has an indirect role to play in my loss. 

Additional Detail : Contact details of the fraudulent party : Email : XXXX Phone Number : XXXX XXXX XXXX XXXX Bank that disbursed the cash to me against Cashiers ' Checks : Wells Fargo Bank XXXX XXXX XXXX XXXX, XXXX NC XXXX Phone Number : 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