BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
On the week of XX/XX/2023 I made my first claim to Truist Bank case number XXXX. I visited on of the branch and I made six claims which adds up to the {$280.00}. Two weeks later, Truist Bank refunded me the {$280.00}. On XX/XX/2023, Truist withdrew the amount of {$130.00} claiming that part of those claims were made by me. I contacted the claims department and I spoke with XXXX to request for them to send me proof of receipt from the merchant. XXXX stated that they don't have any proof. 


On XX/XX/2023 I visited one of Truist Branch and I spoke with XXXX XXXX a branch leader located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. She refused to make five unauthorized claims that I needed to make instead she gave me the XXXX which is the Account Security Claims department. After I finished calling the claims department, I realized that those five claims adds up to {$220.00} the claims number is XXXX. I was able to receive the refund the same night because I told the claims representative that I needed that money right away because I was being evicted and I was about to become homeless. 

On XX/XX/2023 I was able to make my third unauthorized claims Case number is XXXX. I made Ten unauthorized claims that adds up to the amount of $ XXXX.There is no coincidence that those {$400.00} dollars that I was given as a part of a promotions that Truist had for new customers opening an account they are now deducting me. I'm currently being evicted and I need that money that Truist is refusing to credit me to move out. I'm begging this agency to assist me in resolving this 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 explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th 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 XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$560.00}

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 non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please DELETE these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/2018

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 2023-06-01
Company: Experian Information Solutions Inc.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX : {$110.00}

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 non-monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: VA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Information belongs to someone else

Complaint:
Consider this complaint as my follow-up prior to my previous complaint to ensure that the fraudulent items in my file are ultimately removed. 

Please Remove these items : XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All accounts above have 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 2022-11-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Morning- I have left numerous of messages at the XXXX XXXX XXXX XXXX no return call back. 

Per XXXX central billing ONLY the actual Management office can fix this error. 

I originally made a payment on this account to avoid collections, when I received the email of confirmation I called immediately and advised this was not my XXXX XXXX. 
I also let them know I will not make the final payment until this is corrected from XXXX XXXX XXXX - to the correct XXXX XXXX XXXX - - - To be sure I am not paying the wrong acct. 
This is to avoid any issue later saying XXXX XXXX XXXX was never paid. 
A representative told me this would be corrected immediately and nothing further is needed from me. 

Then a few months later someone from Central Billing called and requested payment - again on XXXX XXXX XXXX I again explained this is not my XXXX and I would not make a payment until corrected. 

Now I am being sent to collections for this not being corrected and they are saying it can not be corrected unless Billing corrects it, then Billing is saying nothing can be corrected until the office Manager at XXXX XXXX XXXX. corrects it. 
I have been calling and no one ever answers the phone or returns my voicemails from the Management Office at XXXX. 

I have filed a complaint with the Better Business Bureau because I feel this is being unfairly reported on my CREDIT. I have done everything possible to get this paid but no one is accepting THEIR error. 
This is negligent and irresponsible of the XXXX XXXX and the XXXX XXXX XXXX. 

Someone please call me to correct this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, this is my follow-up request to assist me to dispute these remaining accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: GA
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 been on bankruptcy since XXXX and never was late with my payments. ANYBODY knows if you are late with payments the way they have it listed on my report my bankruptcy would be dismissed and the creditors would have reposed my car and my house would have been foreclosed. I paid my house off XX/XX/XXXX and now my car has one more payment which is due next month XX/XX/XXXX so that explains I was/still not or never late for any payments. You can not be late with payments. On XXXX, Experian and XXXX their dates are not the same as me being late. I don't know where and why they would think I would be late for bankruptcy. You can not be late for bankruptcy. I do not think the credit bureau even tried to fix the matter when I disputed. I filed the dispute XX/XX/XXXX. I received an email today XX/XX/XXXX it remains the same.

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 2023-06-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Complaint Regarding Wells Fargo, My Mortgage Provider Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo XXXX my mortgage provider, regarding their handling of my mortgage account. I am deeply concerned about their lack of transparency, communication, and potential mismanagement of my account following my exit from the XXXX forbearance program. 
On XX/XX/2023, I received a letter from Wells Fargo stating that, during a review of my account, they had identified potential errors in recording whether the contractual mortgage payment should have resumed after my exit from the XXXX forbearance. The letter further mentioned that they may not have provided me with the most suitable payment and term options. While they included a {$200.00} check as a gesture of goodwill, this amount does not adequately address the gravity of the situation and the potential financial consequences it may have for me.

Feeling concerned and confused, I immediately contacted Wells Fargo to seek clarification and further information. Unfortunately, the representative I spoke with was unable to provide me with any substantial information. Instead, I asked that she mail me an arbitration form, presumably as a means to resolve any disputes. However, to my dismay, I have yet to receive the arbitration form despite a significant amount of time having passed since our conversation. 
This series of events has left me deeply troubled and worried about Wells Fargo 's actions and intentions. Their failure to communicate effectively and in good faith, as well as their inability to address my concerns adequately, leads me to question their commitment to resolving this matter fairly and transparently. 
As a customer, I believe it is my right to be kept informed and receive timely and accurate information regarding my mortgage account. I also expect Wells Fargo to act in good faith, addressing any errors or inconsistencies promptly and providing suitable resolutions that align with my best interests. 
I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against Wells Fargo to ensure that appropriate actions are taken. I also urge the Bureau to hold Wells Fargo accountable for their lack of transparency, poor communication, and potential mismanagement of my mortgage account. 
Enclosed with this letter, please find copies of the letter I received from Wells Fargo, as well as any other relevant documents that support my complaint. 
Thank you for your attention to this matter. I look forward to a swift resolution and your assistance in ensuring fair treatment by Wells Fargo. 
Yours faithfully, 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 2023-06-01
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TD Bank Savings Account. 
I am not able to access my account as of XX/XX/2023. 
I called - XXXX XXXX XXXX - multiple times from ( XXXX ) XXXX XXXX on XX/XX/2023 - spoke to different representatives each time- XXXX XXXX XXXX ( at the XXXX Branch XXXX, XXXX, XXXX - nobody willing to resolve the issue. 

Also, prior/earlier online requests to transfer funds were blocked/denied even after I had completed online verification as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After opening an auto loan with Truist I received a promotion to open a banking account with them using promo code " XXXX '' and after two direct deposits within 90 days a {$300.00} incentive would be added to the account. The account was created, with the promotion website showing the enrollment date as XX/XX/2022, after which two direct deposits were made XX/XX/2022 and XX/XX/2022 before the 90 days since the enrollment date shown. However, on XX/XX/2022 I received an email notifying me that the promotion had not been met and I would not be awarded the incentive. I called the number provided, to which they could not provide me with any assistance nor insight as to why it was denied, instead they were directing me to a branch which is nearly 300 miles away. After that I received a contact form of which I provided information to and requested clarification, of which I received no reply. Today, I contacted customer service again, of which the first representative attempted to play XXXX about the offer details, at first continously misinterpreting the promotion, claiming different deposit amounts, then using a points system, then bring in the auto loan. After repeating the information five times, then he proceeded to content that only one deposit had been made despite my online banking showing all the deposits made. Finally, he then said the offer was qualified but could provide no proof or documentation, and that I would just have to wait 8 weeks to receive the incentive, but if I didn't I would need to call again and restart with customer service or I could visit the branch 300 miles away. After continously asking for documentation I was referred to a supervisor of which then I was informed that the enrollment date had been changed to be XX/XX/2022 and because of which my deposit on XX/XX/2022 conveniently did not qualify, but then she escalated for support but could not provide documentation because they did not have email. I have since tried a XXXX XXXX XXXX  complaint and attempted to contact the company through phone and email all of which have gone unanswered or not replied too.

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 2023-06-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Following up on previous complaint XXXX. I wanted to add more evidence proving the error. I sent this directly to Mr Cooper Mortgage on XX/XX/2023 through the portal. I am attaching here for review as well. Thank you XXXX XXXX XXXX Requesting response and review to error discovered. The shortfall amount is incorrect. And assistance with the additional monthly payment you are saying I need to make due to a large escrow account miscalculation. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I checked my credit record, I discovered a lot billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX & XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$460.00}. I previously requested that you remove send me with copies of proof of verification or the results of your investigation to support your claims that the disputed accounts are indeed investigated or verified. Without these documents, immediate correction of the disputed accounts are expected.

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 2022-11-30
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation