BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-12
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 XXXX transactions were unknowingly deducted from my TRUIST bank checking account for {$1400.00} and {$1400.00}. These funds were taken out using the XXXX and was then transferred immediatey to someone's XXXX account. This all happened almost instantly. 

Events as they occured : In XXXX I paid a caregiver to care for my mother through the XXXX. When she went to get her funds out, she was told the transactions had to be verified by me. On XX/XX/2022 On a three-way call to me XXXX put us on hold and we waited several minutes before we finally disconnected the call. I immediately went to my bank account and saw the funds were pending to be deducted from my account. I called the bank an was told they could not do anything as long as the transactions were pending. I tried to cancel the the transactions, but they said there was no way. I had to wait several days for the transactions to clear before I could submit a claim. 

On XX/XX/2022 the transaction cleared. I then submitted a fraud report to the bank, but it was determined that it was an authorized transaction and my claim was denied. 

When the bank refused my claim, around XX/XX/2022, I contacted XXXX and made a claim. After several days, they also said it was an authorized transaction and denied my claim. 

Subsequently, on XX/XX/2022, I contact a XXXX fraud response company ( XXXX XXXX ). They said for an additional {$550.00} they would give me the information to get my money back. I can not afford to put more money into this matter.

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
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  Account # XXXX, XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX All Banks XXXX XXXX Auto Financing XXXX XXXX Auto Financing XXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2017-10-17
Company: The Collection Connection
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is trying to collect on a debt that is not mine. I do not know this company. 

according to FCRA XXXX this debt must be deleted or blocked within 4 days as of the receipt of this complaint

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have sent Certified letters to all three credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notification was sent regarding alleged debt that was owed to LVNV/ ERC. No accounts have been opened by me with the above companies or their associates. The age of original account is too old to pursue collection. Several attempts were made to resolve issue of debt via certified letters including pay to delete letters. No responses received from any letters sent except XXXX Verification of debt sent by agency which proved inaccurate. No records available. Making contact with the agencies including the Credit Reporting have proven futile. Yet this old alleged debt still remains on my reports due to their negligence and refusal to cooperate. Course of action taken has been approximately XXXX year with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I ordered an advent calendar from the company XXXX for {$43.00} on XXXX, 2020 using PayPal , Transaction XXXX. I have not received the advent calendar and the several attempts to contact the vendor is responded with an obviously bogus tracking number. I had requested my money back and they list a money back gaurantee on there site. The reviews for this company all list the same experience and it is very apparent that it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
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: Public record information inaccurate

Complaint:
I have sent Certified letters to all three credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.

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 2021-07-07
Company: Westlake Services, LLC
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I reached out to West Lake financial in XXXX of this year ( XXXX ) to see alternative financial options due to income changes brought on by covid and the dealership where I signed a loan of around {$7500.00} on a XXXX XXXX XXXX XXXX on XXXX, XXXX. Currently. The car no longer runs, XXXX continue to pay the outrageous monthly amount which is equal to a brand new car monthly payment with unbelievably HIGH INTEREST! Unfortunately, the response from Westlake financial was more frustrating. I was told, A contract is a contract I was hoping for lower payment amounts at least! I have worked so hard to clean my credit for years, Ive since had to purchase a clunker. Im not rich, Im a graduate student and mom of XXXX receiving XXXX Westlake Financial does NOT care about your hardships! A contract is a contract! Every time I look at my statements it looks like I pay NOTHING! It never decreases by much! 

For example ; Monthly Payment {$220.00} I pay {$85.00}. Interest fees a month Principal {$130.00}

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 2018-11-14
Company: Experian Information Solutions Inc.
State: DC
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: Investigation took more than 30 days

Complaint:
I previously filed a complaint against the Credit Bureas with ( CFPB ) and they have yet to provide me with any verifying proof or evidence on the matter they sent me one notification 15 days ago stating they needed more time ( 15 ) days to complete investigation

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 2017-11-12
Company: ALLY FINANCIAL 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:
There are about XXXX inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.

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 2022-06-12
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX has violated my rights. 

15. U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-12
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We sighed up for a Square , IncXXXX XXXX account in hopes to XXXX XXXX XXXX at a local garage sale. We opened an account at the bank to deposit credit card sales. We made credit card sales for {$240.00} that was never deposited Instead they withdraws {$720.00} from the account. The bank was able to pull the money back and the credit card sales were still not posted. We contacted Square and was told we were associated with an other account that had a deficit. For over XXXX weeks we have talked with Square and they are unable to tell us how we are associated with the other company and they refuse to deposit our charge card sales due to the deficit of the other company. 

( Please see attachment for further details )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: AR
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:
Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sales agent on phone said a XXXX dollar good faith deposit was required to proceed with application to show intention to proceed. After appraisal came in low was not able to consolidate debt pay off Mortgage and drop pmi. So the application was canceled but they did not refund XXXX dollars saying it went to credit report and appraisal. Even tho they admitted the agent on the phone called it a good faith deposit. Citing signed docs the agent rushed through they refused to refund all but roughly XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I would like to setup repayment arrangements for the balance owed on credit card.

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 2022-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2 : It also a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX has violated my rights. 

15. U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: SYNCHRONY FINANCIAL
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:
I paid this account completely off with a balance of zero in XXXX of XXXX. I set up recurring payments of XXXX XXXX dollar payments with walmart to complete the balance in full. Walmart then closed my account in XXXX of XXXX but are reporting to the credit bureau that they closed it in XXXX of XXXX which is incorrect Since then. the company continues to charge me with late fees and rolls the balance with more fees. They send the balance to the credit bureau but have not sent me a bill or anything in the mail to support the balance they claim is owed. 
I have mailed XXXX, XXXX, and XXXX to investigate this error and remove it from my account. Since the account is listed as 'closed ', walmart does not respond and they are not updating this account correctly on my reports. 
I need assistance in getting the balance shown as zero and the late reporting removed or the complete account removed. 
They are not fcra compliant as they continue to report and refuse to respond to my issue.

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 2022-06-12
Company: DISCOVER BANK
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I was charged {$7500.00} to my Discover credit card. I saw the charge during the night, but did not call until I woke up for the day around XXXX. I called Discover and they immediately closed the account and started the fraud investigation. After doing their research, they determined it was an authorized purchase because of my card was not reported as stolen, I was in the geographic location of the purchase, and that I sent them a confirmation text which I do not recall ever sending. 

I have sent Discover a screenshot of my account statement where the transaction says for the above amount. After they concluded their investigation, they posted {$9000.00} to my account, and the reasoning behind the extra {$1500.00} was that it was a " tip for services '' that was not posted before the account was closed. After asking for the receipt so I can verify my handwriting and signature for the purchase, the merchant ( XXXX XXXX ) and Discover have failed to provide any documentation. The failure to produce simple documentation such as a purchase receipt is good evidence this is fraudulent activity. 

The same night, two of my other credit cards were tried for {$3500.00} and {$2500.00} respectively. Both those cards blocked the transactions and sent me new cards and that was the end of it. My Debit card was also used that night to make two {$400.00} purchases which Mastercard investigated and all that money was credited back to my account upon the completion of their investigation.

My bank 's investigation and ultimate ruling in my favor for two fraudulent charges that occurred the same night as this Discover situation should be a good indication that what was happening that evening was not me. Someone was charging my cards without my authorization and I would verify much appreciate seeing the documentation where I signed off for a purchase of {$7500.00} with my handwriting of a {$1500.00} tip on the receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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