BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the BB & T at XXXX XXXX XXXX, XXXX, TX XXXX to make a wire transfer of {$5400.00} to an auto auction I bought a car from. The manager said that I wouldn't be able to make the wire transfer because I have 2 pending wire transfers on the account. I told him that I authorised those and that one was for my wife 's car and one was for a car title. I told him that I have more than enough money to proceed with this wire transfer but he said he will get an approval before doing so. A few minutes later, he called and asked if I was using my personal account to do a business, which I told him no. The cars I'm buying are personal cars for my wife and for myself. The car I use now is a rented car and same as my wife. After about 10 minutes, he called to tell me that my account is locked because of the XXXX transactions I have on my account. I told him that the reason is absurd because I made those XXXX transactions myself. The only XXXX transaction I received were 2 transactions from MY XXXX BALANCE which I offered to show him proof and that it was from my balance and from a friend I trust. He said the XXXX came from a bank and I told him no that it was from a friend who sent it to me today and I transferred to my balance. He insisted that the XXXX transactions are fraudulent and because of that my account would be locked while it is being reviewed. I got angry and told him I wanted a check with my money immediately, even if it meant closing my bank account as I have urgent need for my money. I need to pay for a car as I'm currently renting the car I have right now and the engine is already faulty. After going back and forth, he insisted that my account will remain locked for as long as they like until they review the transactions. This is unfair to me and I want my money back 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 2022-11-29
Company: Persolve, LLC - Legal - Series 2
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please see attachments. Persolve can not and have not properly validated the alleged debt they are attempting to coerce a payment on. Requesting a forward flow agreement between Persolve and the creditor, the aggregate value of the debt Persolve purchased as an account that allegedly pertains to me and a receipt of the disposition sale of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2022 Amount : {$200.00} Action taken by me : Filing a dispute. 

XX/XX/2022 Amount : {$240.00} Action taken by me : Filing a dispute. 

I had two different fraudulent charges on my account that I filed with Chase Bank who ran a investigation and they falsely determined that the charges were indeed made by me supposedly and took the money back out of my account. 

They are going off merchant proof that I received the item when in fact the only proof that the merchant XXXX provided is a selfie of me holding my license which I did some research on that sites verification process and one rule they require to verify you is to hold a piece of paper in the selfie as well saying XXXX and the date on it as well which I know for a fact I never did and the proof they provided does not show me doing that yet Chase Bank still decided the merchant was in the right so I basically got my money stolen because they did not provide anything else to show I received anything at all no tracking numbers since its an online only business or anything of the sort. I did not make these transactions nor did I ever receive any sort of product from this merchant yet they have still taken my money and refuse to give it back since a picture is enough proof. 

According to XXXX terms and services you need to have a piece of paper showing the word XXXX and the date of said transaction which the proof they provided does not show that yet thats all the proof they had to provide to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
The credit bureaus stated that the account was properly investigation but how is it possible if the debt is already paid. If the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal & numerous of rights violate, wherefore too many to mention.

15 U.S.C 1681 section 602 A. States i have a right to privacy.

1 5 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.

This is a violation of the creditor department policy By mixing files, Furnishing and reporting old in inaccurate information, privacy violation resulting in fraud by Creditors, withholding notices and most importantly willful FCRA violations, in which is fraudulent willful intent by to or more officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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 is missing that should be on the report

Complaint:
I have contacted Equifax Credit Information Services several times this year 2022 and most recently on XX/XX/2022 to inquire about Equifax not reporting my secured credit card and secured loan with XXXX XXXX XXXX in XXXX, TX. XXXX on XXXX XXXX XXXX. These accounts have been opened since XX/XX/2022. And Equifax refused to report these accounts on my credit report. The last Confirmation number I was given by a representative at Equifax is XXXX, and XXXX. I have mailed copies of the statements of these accounts to Equifax and have called and Equifax continues to not report my pay history and the existence of these accounts on my Credit Bureau report. Equifax is intentionally not reporting these two secured accounts on my credit report. In which is inadvertently affecting my credit score. The secured master card has a limit of {$300.00} and the secured loan has a limit of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: SYNCHRONY FINANCIAL
State: OH
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:
my son took his dog to the vet but i filled out the paper work cause he has trouble understanding things, they wanted to know if i wanted to fill our a credit card and i did but DID NOT TOLD THEM TO USE IT, its not my dog if it was my dog i would have paid cash, the next day i did not know it he went and picked up his dog, they told him he had to sign a papper to let her go he was not told he was signing for the card to be charged HE DID NOT HAVE MY PERMISSION or they did not call me to ok it, he did not know what he signed and they had no permission to charge it!!!! i never got a bill only found about it when i cheched my credit this only the thing on my file i always pay my bills before there due the card is syncb/care credit i have tried to talk to them but dont listen

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 2022-06-27
Company: Experian Information Solutions 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:
Attachment of non-verified line item provided- Credit Bureaus currently displaying non-verified information, thus breaking the law. They have yet to provide evidence regarding account ownership and the method of verification. They have not provided any documentation regarding their 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: Credit Karma, LLC
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I filed fraudulent charges on my spend account with credit karma. On XX/XX/XXXX they locked my checking and my savings! Claiming they were under review for 10 business days. It is now XX/XX/2022 and I have yet to receive access to my account .... they tell they are delayed. But it's people that submitted cases after me that have received a decision! I truly believe I am being discriminated against. XXXX  bank has been know help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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 : 1. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2. Identity Theft XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed 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 2020-04-16
Company: Acceptance Rentals, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account : Acceptance now XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity theft report Proof of identity Copy of Credit Report Fair Credit reporting Act

Company response to consumer: Untimely response
Consumer complaint received 2022-11-29
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:
In XX/XX/2022, Experian investigated a debt collection on my credit report and the debt collection and hard inquiries was removed from my credit report after investigation. However, it has been 30 days and my credit score is still poor and did not increase after the errors were removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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:
Inquiry XXXX on XX/XX/XXXX Inquiry XXXX  on XX/XX/XXXX Inquiry XXXX on XX/XX/XXXX Inquiry XXXX  on XX/XX/XXXX I did not authorize any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CARD Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a XXXX XXXX card from Card.com and XXXX that I didn't apply for. When I tried reaching customer service the automated system simply asks me to provide personal information including zip code and social security number. I did not provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had unauthorized charges on my bank card and immediately filed with the FTC and also filed a dispute with Chime as soon as allowed. I reported my card as stolen as well. 
Chime has refused to stop or reverse the charges requesting that I offer proof. There is no proof. I do not know the company that made the charges, I do not live in Florida so I did not swipe the card there, I did not order from them. This is obviously a card scammer and Chime is allowing it. 
I will be happy to provide whatever information you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company has reported same medical debt 5 times in credit report. I have contacted the original creditor who verified that only one amount is valid. This bill is attached. The collection agency has reported this debt identical times on all reports. I would like all duplicates and the original to be removed as the multiple false reporting is harming my credit and is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: CA
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 mailed a letter to you asking that you remove incorrect person information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also, according to the USC 6802, No financial institution isn't suppose to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

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 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit score is being incorrectly affected at all three of the credit rating agencies by an issue that happened with XXXX that was a mistake on XXXX  part. I have contact all three of the agencies about this and have not received a response. I have submitted a dispute online for each of the three credit agencies with not response. This is adversely affecting my ability to get a loan. Please advise

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 2022-06-27
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I first got notification that I had a collection account with Transworld Systems ( TSI ) when it popped up on XXXX XXXX. Prior to that notification I had NO communication at all from the collection company. I have had the same phone number for 15+ years so that couldn't have been their hold up on not calling like all collection agencies do. 
I had also not gotten any word from XXXX ( the original creditor ) that there was a balance due. This account was closed when I was forced to move out of my home in the middle of the COVID pandemic- and was unaware that there was a balance due. 
As soon as I saw the ding on my credit from the agency I tried to call and get the debt cleared up and handled. I called every day for two weeks with no answer from them and kept getting busy signals or the notice that the number could not be completed as dialed. Strange.

Once I was finally able to get ahold of someone there at TSI, they did not want to help me. They would not set up a payment, validate the amount, or tell me why the amount of the collection goes up by {$2.00} every week. I have called multiple times and every time I try to set up payment they hang up on me. I don't know how I am supposed to get this collection off my credit if they won't work with me on it or take the payment? 
Very unprofessional and there are some interesting tactics going on here to ensure that they keep these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Items like a new employer added to my credit report, many auto inquiry were also done that I never placed or applied for. These were all mostly done XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto FINANCE XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Atlanticus Services Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was sent an email on XX/XX/2022 that my credit limit would be adjusted from XXXX to XXXX So I called this morning. 

My credit limit was XXXX, but they lowered it to XXXX. I had a balance of XXXX on the card. Their reason was because I have not made a charge in the last XXXX months. 
I explained that it has been several times that I have not made a purchase within a 2 month time span and by lowering my credit limit it will affect my credit score. 
They said it was nothing they could do and refused to put my limit back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance Chapter XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. FDCPA section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Thank You Sincerely yours, 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 2022-11-30
Company: Experian Information Solutions Inc.
State: DC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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