BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in XXXX I deposited a XXXX check into my checking account, the funds cleared. When I went to the branch to make a deposit I was told by the branch manager that my check was fraudulent and that I needed to return to my home branch where I opened my account to make any withdrawals, and then the branch manger stated you people always depositing fraudulent checks Referring to my race skin and ethnicity As of today it has been 30 days since my check has cleared and posted onto my account. The bank will not release my funds to me this is unfair

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The company is currently reporting two missed payments on my account. I was never late, Ive reached out to them on multiple occasions to have this resolved. Spoke with two agents and they both was promising to have them 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 2023-02-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I took out a British Airways Credit card by Chase bank sometime in XX/XX/2022. 

When I took out the card, it was advertised that I would get a {$500.00} statement credit and when I complete the purchase of an airline ticket worth around {$2500.00} I got a screen prompt that I would get the said {$500.00} statement credit. 

Ever since, I have reached out to Chase and British airways for the statement credit and this was never given. I first called XXXX who claimed Chase operates the card, after numerous attempts to reach Chase I was told initially told that this would be investigated. I later spoke to an Agent via phone, who assured me that I would get the statement credit, and the credit of {$500.00} would appear on my account, she also apologized for my troubles and made notes on the account to that effect. 
Because of her assurance, I kept the account running. After a month I called Chase again only for them to tell me that I was not entitled to the {$500.00} as my purchase didnt qualify for it. 

At this point I asked my account to be closed and hence my decision to complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: MI
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 submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up with a promo code at TRUIST BANK which offers {$400.00} after i make two direct deposits within 90 days totaling {$1000.00}. After 60 days i met the requirement and per the rules in the promotion the funds were to be added no later than 30 days after the requirement was met which was a week ago. I contacted customer support and they are denying that i met the qualification. In fact, they lied and said and i quote you did not meet the requirements within the 90 days which is interesting since i did and have proof on my statement and since the account was not even open 90 days yet. They acted as though my account had been open 90 days already and it was too late. I have since spoken to others who are experiencing the same thing. They are clearly and intentionally breaking the law and i refuse to stand for this. They also said they would have a higher up contact my via phone or email last week and they never did.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 went to the XXXX XXXX XXXXXXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, pregnant, seeing a therapist, etc and didnt want to mess up my GPA XXXX He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXX XXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my 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 non-monetary relief
Consumer complaint received 2023-02-23
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: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/2023 to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$950.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The XXXX XXXX XXXX credit card issued by Comenity Bank is using fraudulent practices. I have been on the phone with them several times trying to resolve the overcharging problem but they refuse to fix it. On XX/XX/XXXX, I bought a XXXX XXXXXXXX XXXX XXXX from XXXX XXXX XXXX. It cost {$490.00}. It was charged to my XXXX XXXX XXXX XXXX credit card managed by Comenity Back. I have direct payment from my checking account so there should have been no problem with the payment going through. For some reason, they are saying it did not go through and charged me an additional {$30.00} plus interest. They show on their website the money was returned, however, it was not. On my bank 's end which is XXXX it shows the charge went through. Comenity Bank then decided to charge me {$530.00} which not wanting my credit to go bad I paid on XX/XX/XXXX. Then they charged my account again on XX/XX/XXXX through automatic payment for {$500.00}. 

For a {$490.00} item, I have now paid {$490.00}. {$530.00} and {$500.00}. Over {$1000.00} over what was owed!! They finally reimbursed me with a check for {$500.00} at the end of XXXX but not the {$530.00}. Then, they recharged me for the {$500.00} saying they paid me twice which they did not!!! 

This back and it's fraudulent activity needs to be stopped!!! I do not want my credit going back over a fraudulent back. I have a credit rating of over XXXX and I pay my bills but I will NOT be scammed. Please help me get my money back!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo opened a savings account Unauthorized in my name then closed my Checking and reported me to XXXX XXXX  now XXXX cant open a account at any other bank.

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 2023-01-24
Company: Credit Karma, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Credit karma promised me money if i got denied for any credit card that i could've qualified for. Never got the money but they have all my information. Now I'm getting all kinds of spam mail I've never received before that's happening now. There were hard inquiries made on my account through them because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
Dear CFPB, I am writing to dispute a fraudulent collection account that has been wrongly reported on my Experian, XXXX, and XXXX credit reports by XXXX  XXXX XXXX. I am deeply concerned about the impact this false information may have on my credit history, financial stability, and overall well-being. 

In XX/XX/2XXXX  I discovered that there was a collection account on my credit reports from XXXX  XXXX XXXX, which I had no knowledge of. I contacted XXXX XXXX  XXXX immediately, and they informed me that the account was opened in my name in XXXXXXXX XXXX 

I was taken aback by this information since I have never had any financial dealings with XXXX XXXX XXXX. I explained this to their representative, but they were unhelpful and insisted that I was responsible for the debt. They also refused to provide me with any supporting documentation. 

Since then, I have been trying to clear my name and remove this fraudulent account from my credit reports. I have filed disputes with all three credit bureaus, but they have all come back stating that the account is valid. This has been an extremely stressful and frustrating experience, and I am at a loss as to what to do next. 

I am confident that I am not responsible for this debt, and I believe that XXXX XXXX XXXXXXXX has made an error in reporting it on my credit reports. I have always been responsible with my finances, and I take great pride in maintaining a good credit score. This fraudulent account has negatively impacted my credit score, and I am afraid that it will continue to do so if it is not removed. 

I am appealing to the CFPB to intervene in this matter and help me clear my name. I respectfully request that you investigate this matter thoroughly and order XXXX XXXX XXXXXXXX to remove this fraudulent account from my credit reports. I am happy to provide any additional information or documentation to support my claim. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-04-11
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Once again my auto payment was the XXXX and XXXX of every month. They took the money out on the XXXX of XX/XX/2023. I requested a return, since auto pay is one the first. They charged me a fee off {$35.00}. I made my payment on the XXXX of XX/XX/2023. The total payment in the contract is XXXX for principal and interest and XXXX for escrow, for biweekly is XXXX. I made that payment of XXXX for the principal and interest and a payment of XXXX for escrow which equals XXXX. This is the second time this company has messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone hacked into my XXXX account on XX/XX/XXXX and made an unauthorized transaction. My PayPal account was still connected from my last purchase over a year ago. I immediately contacted PayPal on XX/XX/XXXX and opened a case and within an hour, they closed it saying that the purchase was authorized. I called back and another agent said that he would open an item not received case and to wait 10 business days for an outcome. On XX/XX/XXXX, I logged into my PayPal account and didnt see any active cases, so I called and was informed that that agent on XX/XX/XXXX did not open the case and they opened the case on my call on XX/XX/XXXX. On XX/XX/XXXX, I was informed via email by PayPal that my case was denied! I already contacted my bank after PayPal denied my first case and they assured me that they would step in if PayPal fails to resolve the issue. I contacted my bank and they are now going to resolve this issue. This is so upsetting and has caused me so much unnecessary emotional distress over a fraud transaction. Ive been a PayPal meme XXXX since XXXX and I dont believe they have good intentions for their members and their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BARCLAYS BANK DELAWARE
State: NY
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 have a business credit card with Barclays, a XXXX card. On XX/XX/XXXX I mailed in a payment by check for the full balance at the time, {$2600.00}, check # XXXX from XXXX XXXX XXXX. The face of the check had the last XXXX digits of my account number on it, and it was enclosed in a sheet of white paper with my full name and address and account number. 
That payment was never credited, and on XX/XX/XXXX my payment went past due. Around that time my card was locked and i called to see what happened. I was told they never received the payment. 

On XX/XX/XXXX the check was paid by my bank. When i discovered this I called on XX/XX/XXXX and spoke to a security person to confirm that Barclays had cashed the check. On the back of the check, was a stamp with the following : XXXX XXXXXXXX XXXX XXXXXXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Barclays XXXX I spoke to XXXX, who was a manager. She said she would open a missing payments case so the matter could be resolved. She told me it would take a XXXX  of days. 
On XX/XX/XXXX the card was still locked and i called on the status of the missing payments case and spoke to manager XXXX XXXX. I was told a missing payments case had never been opened. XXXX XXXX opened a missing payments case # XXXX. She transferred me to XXXX in customer service to help me. XXXX told me that the payment HAD been located. XXXX told me that she could apply a credit to my account that would unlock my card within about a day. 
On XX/XX/XXXX the card is still locked. I called and talked to XXXX XXXX who told me that the payment had NOT been located. XXXX told me the missing payments case would take XXXX days to to resolve. He also told me I would receive a letter in the mail with information from the investigation. I told him I was not at my home address, i was traveling, and could not receive mail until XX/XX/XXXX. He told me if i could not receive the letter the investigation would be closed. This is outrageous and unreasonable, as Barclays has my phone number, email address, and there is a " messages '' portal in my online Barclays account where they can communicate with me. 

Barclays lost my check for nearly a month, locked my account and charged me finance fees and late fees. Then they cashed my check. They have the money, as of XX/XX/XXXX. Yet they give me conflicting information, fail to start the required missing payments case in a timely manner, and refuse to unlock my card, despite the fact that I PAID my balance and they received it. Now they tell me that because i am not at my home address to receive a paper letter, that the investigation will likely be closed and I suppose the payment never credited.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. 

THESE FRAUDULENT UN-IDENTIFIED COLLECTION ACCOUNTS ARE NOT MINE. THESE COLLECTION ACCOUNTS ARE NOT MY ACCOUNTS. 

THIS IS A RESULT OF IDENTITY THEFT AND FRAUD MY IDENTITY WAS STOLEN. 

MY SOCIAL SECURITY CARD, MY STATE ID, MY UTILITY BILL AND MY FTC REPORT IS ATTACHED. 

PLEASE REMOVE AND BLOCK THESE FRADULENT COLLECTION ACCOUNTS XXXX ) Transunion XXXX XXXX XXXX XXXX ( balance XXXX ) XXXX XXXX Transunion XXXX XXXX XXXX XXXX ( balance XXXX ) XXXX ) Transunion XXXX XXXX XXXX XXXX XXXX XXXX  ) Transunion XXXX XXXX XXXX XXXX ( XXXX ) XXXX ) Transunion XXXX XXXX XXXX XXXX XXXX  balance XXXX ) XXXX ) Transunion XXXX XXXX XXXXXXXX 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