BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
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:
XXXX  unverified accounts 

XXXX XXXX : unverified 
XXXX XXXX XXXX XXXX : unverified XXXX XXXX  : unverified 
XXXX  : unverified 
XXXX XXXX : unverified 
XXXX XXXX : unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: MD
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, has 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.

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 2022-06-22
Company: Commonwealth Financial Systems, 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 act XXXX account # XXXX, and 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 without instrcutions 15 U.S.C 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction 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 2022-06-22
Company: CITIBANK, N.A.
State: MA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2022-08-21
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have fraud on my target credit card. I contacted target immediately when I noticed the fraud charges, I was told nothing they can do I need to call back during business hours when the fraud team is open! Excuse me???? Why do I have to call back because the team isnt 24 hours???? First off all the amount of charges and the high dollar amount you allowed on a fairly new account is unacceptable. Target should have immediately stopped these charges and contacted me but instead let them go through! THEN when I Called the fraud department they said I have to fill out a form before they take a fraud claim. Excuse me??? Im not filling anything out!!!! Take these charges off my account now!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: AMERICAN EXPRESS COMPANY
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:
Please see attached pdf for full complaint. I advise that you take this very seriously. I have already consulted legal counsel for a federal lawsuit against American Express for willful negligence for inaccurate reporting and will be seeking FCRA violations along with punitive damages up to {$450000.00}. I am giving you one last chance to fix or delete the inaccurate reporting. I have also sent a copy certified mail with USPS tracking # XXXX. You must think you are above Federal law, but I am a consumer who demands just and will go to any means to rectify the wrong you have caused. I have documented my case extremely thoroughly that will be brought against you and the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have had a checking account with XXXX since XXXX. Since that time my name has not changed, my address has not changed, my phone number has not changed, even my email has not changed. I am in the local branch office 2/3 times a month and know most staff on sight. On Saturday XX/XX/XXXX I was unable to sign in to my online account to use bill pay and to XXXX. I tried 3 time without success and finally called customer service since it was a Saturday and no branches were open. I was told I was not authorized to sign on the account. The account is registered to my trust and is my primary account. I told this person they were mistaken. No changes have been make to the account since it was opened. I was told I had to go to a branch on Monday, so no access to my funds no access to my bill pay and no ability to send my daughter a birthday XXXX  transfer! On Monday I went to the local branch that we use and staff said I had to fill out some paperwork as there was a system upgrade that locked me out of the account. I asked where the original documentation was from when I opened the account., they did not have or could not find it. I got my estate documents and went back to the bank. Filled out the paperwork I was asked to and they uploaded it to the system. I asked could they call and get me access to my account again, they could not a supervisor had to review the paperwork and she was not in the office. I waited until Tuesday figuring the system had to upload overnight. I was unable to get into my account and again called Truist customer service. They said they could not help my and it may take another 3/5 days. 

I am unable to pay bills, I may incur some finance charges. I have a XXXX XXXX XXXX and have never been late with a bill in my life. Truist does not seem to understand how important this is to me. I never got a phone, email or letter indicating any problems with my account. I was in the branch just 2 days before this occurred and no teller said anything about any issue. 

My pension check is direct deposited as is my social security so it will take time if I want to move my funds elsewhere. I get the sense I am not the only person that this has happened to. I am a XXXX XXXX who tries to do the right thing. Who hold big banks accoutable to do the right thing as well?

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report. 

. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Please remove it from my credit report Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Please remove it from my credit report Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Rausch Sturm LLP
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt originated in XXXX, I fell behind on payments and it was sold to a third party. The third party is XXXX XXXX XXXX. This company drafted {$1800.00} dollars in XXXX XXXX and then told me that they would no longer draft my account. I received a summons from their attorney on Tuesday XX/XX/XXXX it said that the amount due to was {$1.00}, XXXX and I had 10 days to respond. The letter is as stamped by the post office on XX/XX/XXXX, but didnt reach me until 5 days later. The next day I went to the court house to file my response and I discovered at this time that {$160.00} was taken from my account because thats all the had at the moment. The proceedings to levy my account started just 1 day after receiving the summons without allowing me to respond. The next draft on XX/XX/XXXX will not only wipe out my entire account but I will be negative. There has been no activity regarding this debt since XXXX, and Nebraska statue of limitations on debt is 5 years. When I received the summons no information was provided other than the amount, nothing was disclosed to me. I do not understand how my account can be drafted without giving me the opportunity to file my response and how can they legally collect in a debt that is past the statue of limitation? The County court has given me a court date to present my response, so obviously this company started the draft without a court order Please help

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 2023-05-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been wrongfully charged interest rate on this credit card account because I have a 0 % APR on a balance transfer done in XXXX which payment is not due until XX/XX/XXXX. On XX/XX/XXXX, Statement balance I was charged an interest of {$62.00} for a balance of {$2600.00} subject to a purchase interest rate of 27.74 % ( I have attached the statement document ). This statement period was from XX/XX/XXXX to XX/XX/XXXX. During that period, a total purchase of {$4800.00} was made and a payment of {$4800.00} was also made resulting in a positive of {$39.00}. I am currently disputing the charge of {$62.00} and will continue to. Yesterday, XX/XX/XXXX, was another monthly billing statement for the period XX/XX/XXXX to XX/XX/XXXX. I was charged a purchase interest of {$110.00} for this period on a balance of {$5100.00} subject to a purchase interest rate of 27.99 % ( I have also attached the statement document ). During this period purchases made were {$540.00} and payment made was {$700.00}, which is a positive of {$150.00}. The question I had for the bank representative when I called on the interest charge is to explain why on previous the statement that closed on XX/XX/XXXX. XXXX there was a purchase balance of {$2600.00} that led to the {$62.00} interest charge ( even though I had a positive payment of {$39.00} ), but on the current statement that closed on XX/XX/XXXX where total purchase made was {$540.00} ( and a positive payment difference of {$150.00} after paying {$700.00} ), I am now charged an interest of {$110.00} on an interest rate of 27.99 % APR for a new purchase balance of {$5100.00}. It is obvious this is a clear indication of either gross incompetence or a deliberate effort to create financial discrepancy to rob a consumer via interest charges. This is completely unacceptable. I am being charge interest on payments that I have covered, and now I have a balance on a purchase that was not made during a statement period. What is this about. Can someone call these people to order, this is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: CA
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've disputed the XXXX XXXX credit card Charge Off and balance for XXXX  years now with XXXX and even shown evidence that it was paid in full back in 2020 through wage garnishment via XXXX. They haven't update or removed from my credit report even after the XXXX dispute. This is impacting my FICO scores and under the fair credit reporting act, now illegal. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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:
I am unsure how and why XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX pulled a hard inquiry on my account. I did not give them written consent to review my credit reports

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 2022-08-21
Company: Experian Information Solutions 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:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Experian is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a Summons to court for XX/XX/XXXX with attached billing type of documentation that had only my first and last name on it, with no reference to a billing address, and only referenced the last XXXX digits of an account number. I have not had any communication that I know of from this debt collector. I do not recognize this debt or having a credit account with the referenced creditor. I do not have any record of payments being made by me to this creditor, though the statements say payments were being made apparently at some point. Also the provided statements show a card security fee being charged, which upon inquiry I was told it was something that was a type of service that would have paid the owed balance in full upon default, and that if this was legitimate, it should have not been sold to the debt buyer, Portfolio Recovery, in the first place. The statement provided is dated for XX/XX/XXXX. I was advised by a lawyer that this debt is most likely identity theft, since the security service was purchased, as the claim amount is relatively low at {$2600.00}, and am retaining a lawyer for all communications, including with the company, and had been advised to not acknowledge the summons, as it could be construed as an admission to validity of the debt. This research has taken longer than expected, therefore the date of this complaint that I have been advised to submit personally after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter along with a debit card that is linked to a Wells Fargo account ( account # ending in XXXX ) that I never signed up for. I know that Wells Fargo has done this in the past ( signed people up for accounts without their knowledge ), so I wanted to let you know that they are doing it again. I am going to call Wells Fargo to cancel the account after I am finished filing this complaint.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 accordance with the Fair Credit Reporting Act XXXX Account # 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 instruction.

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 2022-07-27
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a title loan back in 2021 and I received {$1000.00}. On my first contact it says I'm being charged 98.60 % interest rate. I can't afford the payment XXXX a month and only XXXX goes to the payment I owe. They have been sending me new contracts but the amount and what I owe us wrong. I get another offer but the amount I got and the amount owed is not correct at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. I do not owe this debt. I have written Sequium Asset Solutions and asks them to provide me with verification that I owe this debt. Sequium Asset Solutions have ignored my demand and provided no response to my Notice of Dispute and Request for Validation. Sequium Asset Solutions have continued to harm my reputation by continuing to furnish false unverifiable information to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: Arivo Acceptance, LLC
State: TX
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 did not give these companies written permission to look at my credit report! 

I do not recognize any of these companies, or why they are even on my report. 

I would like them removed due to improper use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation