BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
I disputed a charge in the fall of XXXX and the bank denied my dispute because they said they had requested more information form me. However, I never received any request from the bank. During discussions to reopen the dispute, it was found that they already had the information they needed in internal bank emails that i sent when the dispute was initiated. Since then, the bank has denied the dispute for different reasons depending on I speak to. The dispute is 100 % valid and I have provided backup. It appears the bank dropped the ball on the dispute and refuses to handle it properly because they most likely can not go back to the merchant any longer. Incidentally, the merchant was deceptive in their response and when pointe out to the bank, the bank ignored something that was very easy to prove. Recently when I told the bank I would take the dispute to the CFPB, I was called by a branch manager whop said the bank wanted to make things right and she claimed to reopen the dispute. When after three weeks I enquired as to the status, i was told via email that they found against me again because the dispute was an insurance issue ( a new excuse as to not find in my favor ). I would like the CFPB to open an investigation into Truist Bank and their practices. since the merger between BBT and Sun Trust, this organization has been in a shambles. Customer service is awful- when you can get someone on the phone. 

My name is XXXX XXXX the last XXXX of the account is XXXX Dispute amount is {$10000.00} The Merchant was XXXX XXXX XXXX Date of Dispute was XX/XX/2021 In the response form the merchant, they say they paid me for the damages ( which validates the dispute because they admit something was wrong with the charge ) however, they have paid me nothing. The bank should ask for proof of the payment that never happened. 

It should be noted that I have three more complaints to file against Truist and I will be submitting those tomorrow. 

This bank needs to be investigated. The merger excuse is old- they have consumers to take care of!

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 2022-11-25
Company: GOLDMAN SACHS BANK USA
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 status incorrect

Complaint:
The account balance has been paid in full for over a month and the account has not been used. Still, the account is being reported as 120 days delinquent when that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My acct was hacked. On XX/XX/22 {$270.00} at XXXX ; XXXX was STOLEN from my CASH APP. Then on XX/XX/22 {$1000.00} was taken. I FILEDa complaint but it was denied. I have been with CASH APP for four years. I WAS ROBBED OF {$1200.00}. I AM A XXXX VETERAN I NEED MY MONEY TO PAY RENT AND MONTHLY BILLS. CASH APP CLAIM NUMBER XXXX. I NEVER AUTHORIZED ANYONE TO DEBIT MY ACCT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax Credit Bureau only deleted one account and not the others as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: MO
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:
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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


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 2022-06-22
Company: Experian Information Solutions Inc.
State: SC
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 a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-08-20
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:
n 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 2022-08-20
Company: EQUIFAX, INC.
State: GA
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 reached out to three major credit bureaus about inadequacies on my credit report to which i disputed. I did not authorize the hard inquires, or any deliquent credit reporting on my account : I would like the following items removed from my credit report. 

DEPT. OF ED/XXXX XXXXXX/XX/XXXX ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXX HARD INQUIRY : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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:
.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 :

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 2022-10-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2022 I applied for a credit card with Comenity BankXXXX XXXX XXXX XXXX They ran a hard credit check but have not provided any approval or rejection as of today via the USPS or email. I have called several times to both of the following numbers and can not get any answer on the approval or rejection status ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: FISERV INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was working for a temp to hire company that paid me through the MoneyNetwork debit card. I had lost my debit card and reported it to MoneyNetwork. I was told they couldn't issue me a replacement card or transfer the money to another account but they could send me a check. 
I had moved onto a houseboat in a marina with no mailboxes except the marina 's business mailbox. I have a po box and they informed me they couldn't send the check to a po box .

I used a friend 's address and waited. Nothing. After multiple attempts to contact MoneyNetwork I wasn't getting any results. Called customer service and still nothing.

I finally came across a number and website for you. I wasn't sure who or how to contact anyone prior. After calling the phone number a woman directed me on what to do. About 2 weeks after calling MoneyNetwork customer service sent me an email stating they had sent the check in XX/XX/2022. I replied that I never received the check and asked what address they used and if the check had been cashed. No reply. After a few more attempts to contact still nothing. 
That brings me here today. 
It has been over 18 months and I really need my money. 
Thank you for your help resolving this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I sent a investigation letter to XXXX, XXXX and Experian to please investigate every piece of information is correct and 100 % accurate if not please remove it from my credit report.I got the results and The credit bureaus stated that these accounts XXXX XXXX account number XXXX and XXXX XXXX also knows as XXXX XXXX and XXXX account XXXX is 100 % accurate but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 14 U.S.c 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent give these accounts written permission to furnish these account on my credit report 15U.S.C 1681 ( A ) 4 states there is a need to insure that consumer reporting agency exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. 15 U.S.C 1681 ( I ) ( 5 ) treatment of inaccurate of unverifiable information They didnt do the proper investigation.If after Reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that item of information as appropriate base on the results of the Reinvestigation. I called each credit bureaus 3 times to let them know they or in violation of these accounts and delete them immediately they said no. I dont want dispute these accounts I want them deleted plus a XXXX dollars per violation I have challenged and dispute these accounts 4 times they are in violation

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: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, 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: 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
citi bank closed the accout but can not identify the person that opened it under my name and my information

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 2022-07-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX has reported this account to XXXX XXXX, Experian and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards XXXX XXXX, they claim they are with XXXX Bank. I did have an account with XXXX Bank under XXXX which is a currently closed company that filed bankruptcy. XXXX Bank is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. XXXX XXXX is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. XXXX XXXX has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.

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 2022-07-27
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: Account information incorrect

Complaint:
XXXX XXXX has reported this account to Trans Union, XXXX and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards XXXX XXXX, they claim they are with XXXX Bank. I did have an account with XXXX Bank under XXXX which is a currently closed company that filed bankruptcy. XXXX Bank is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. XXXX XXXX is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. XXXX XXXX has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.

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 2022-08-20
Company: Experian Information Solutions 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:
n 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 explanation