BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: GA
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXXXXXX XXXX XXXX  Account Number : XXXX Bal : {$310.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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: Experian Information Solutions Inc.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-06-23
Company: SYNCHRONY FINANCIAL
State: TX
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:
This involves a XXXX issued by Synchrony Financial in XXXX. 

I have been charged for an intangible called card security every month since the opening of the account. I did not authorize this. 

The account has been on auto pay and my account is in good standing. I have not seen a statement. Until XX/XX/2022, I discovered this fraudulent charge ( s ) on my account and with the help of one of their account managers, I was informed by them that the monthly charges from the beginning of time have amounted to {$1800.00} I have a fraud claim in process with the company, and I have a reference number. 

The interst on the charges is in excess of XXXX. Additionally, my current balance with this XXXX is {$3100.00} or higher. 



I

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 2022-06-23
Company: Recheck, Inc
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting act RECHECK & XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello my name is XXXX XXXX XXXX I contacted your company informed you guys that it was personal information on my report that did not belong to me you told me submit FTC report okay so I have attached that to this complaint I really need you guys to remove this inaccurate information for me thanks These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report.

Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX Illinois XXXX - XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thanks

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 2022-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good Afternoon, I purchased an airline fare from Spirit Airlines for a trip to XXXX XXXX. However, I was unable to attend due to obtaining XXXX. I canceled the trip with the airlines one week before travel and was told if I had submitted proof of having XXXX my trip would be refunded in full. I followed the provided instructions and then was told by SPIRIT that it would be issued as a credit and not a refund to my Bank of America debit card. I contacted BOA to dispute the charge and the merchant opened a 30-day investigation. I was just informed by BOA that would not pay the claim because SPIRIT provided proof that I made the purchase. BOA then closed out my case. I contacted SPIRIT to find out about my using flight credit and was informed that I had to contact my bank since I disputed the transaction. Neither merchant wants to return the amount of the flight after I submitted all required documentation as per their directions.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: NY
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 writing to submit a formal complaint regarding inaccurate information on my credit report, which I disputed with Experian on XX/XX/XXXX. To this date, I have not received any response from Experian regarding the following account : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} The reported information suggests that this account was late, which is entirely inaccurate. I can provide substantial evidence to demonstrate that this account was consistently paid on time. Therefore, I kindly request Experian to correct this erroneous information on my credit report 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 2022-06-23
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Dear Sirs, My issue is with Freedom Mortgage. I have an escrow account with this mortgage servicer. This is the second year that I have had my mortgage with this company. My insurance carrier is XXXX. XXXX provides my hazard insurance policy and my earthquake insurance policy alike. 
In XXXX Freedom Mortgage paid both of these policies together. This year, XXXX Freedom Mortgage paid hazard insurance in a timely fashion. These funds were extracted from my escrow account. I later received the bill from XXXX inquiring payment for the earthquake insurance. 
Upon due diligence on my part I came to find out that Freedom Mortgage had not paid the earthquake insurance. Freedom mortgage stated that they will not be paying the earthquake insurance due to the fact that it is a not needed insurance to satisfy my loan requirements. My earthquake insurance policy is {$210.00} per year. Upon payment of my hazard insurance there was a balance of {$350.00} in my escrow account. All other funding has been satisfied for the fiscal year of XXXX. Through telephone calls I requested that Freedom Mortgage send me a check for the balance of the earthquake insurance, {$210.00}. This request was made on XX/XX/XXXX. On XX/XX/XXXX. I called Freedom Mortgage to inquire the status of my request. I was informed that a check for less than {$98.00} was mailed out to me on Friday, XX/XX/XXXX. 
Here is my complaint : Throughout the past year Freedom Mortgage collected funds from my monthly payments to supplement the two insurance policies. There was enough money in my escrow account for a total refund to cover my earthquake insurance policy. Total amount per year that my escrow account needs to cover his less than {$1.00}, XXXX. With a refund of less than {$98.00}. The buffer in my escrow account is a little over {$200.00}. For a escrow account to pay out {$1100.00} per year I do not believe a 20 % buffer is necessary. A 10 % buffer would be adequate. If they had refunded me to {$210.00} freedom mortgage would have a 10 % buffer in my account. I do want to reiterate that this was money collected throughout the year to fund these policies. And there was two adjustments done to my escrow account to satisfy the policies throughout the XXXX fiscal year. In today 's time finding {$110.00} extra dollars ( {$210.00} - {$98.00} = {$110.00} ) is not the easiest task to overcome. 
In speaking with Freedom Mortgage I never had a chance to speak with anyone from the escrow department. All I could speak to was PSR 's who was able to read a computer screen detailing my account history. 
Can the CFPB retrieve the balance of my funds? My Freedom Mortgage account number is XXXX. 
Thank you in advance for your time in this matter. 
Sincerely, 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 2022-08-22
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-23
Company: ADP Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Hello I have received a master card ( wisely pay ) from my employer and everything was working until I couldnt use my card on Sunday it was locked I called customer service they told me my birthday info was incorrect I was confused they told me to send them a picture of my ssn and date of birth Through a link after that I waited two days and still my card is locked I called again they told me the same thing so I sent them the photos again and still nothing I have called them and they are still saying 1-2 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I learned of the debt being reported when I applied for an apartment on XX/XX/XXXX and it showed Transworld systems for XXXX for {$680.00}. 

I reached out to Transworld to get the information on alleged debt which they provided me an account number of XXXX with date of debt being from XX/XX/XXXX. 

I called XXXX and spoke with their fraud team who checked my social security number in all of their systems and stated what I knew that I never had XXXX phone or internet services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit 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 had a Checking Account, Savings Account and Charge Card with SunTrust. They merged with another bank and became Truist Bank. From day one I had a problem with Truist online banking. I closed the Checking Account, Savings Account and Charge Card in XXXX. I received no further statements from Truist. In XX/XX/XXXX, I received a letter from Truist Bank, stating I owed them {$20.00} in late fees and Interest on purchases made to my charge card. I contacted Truist Customer Service and told them I had no charge card with Truist Bank, that they were closed in XXXX and I had not received any Invoices. I asked then to send me copy of the charge statement and to open a Dispute against the charges. They opened a Dispute, Case # XXXX. I they received another letter stating I owed then more money for Interest and Late Fees. I also received two Statements. A statement for XXXX showed one charge for {$150.00}, showing a charge made to XXXX, XXXX ( a XXXX XXXX company ) and a second statement for XXXX showed three charges for {$150.00}, showing all three charges were made to XXXX, XXXX ( a XXXX XXXX XXXX XXXX Company ). I contacted Truist Fraud Department and had them also open a second Dispute Case # XXXX. They stated that all charges were made to credit card XXXX.I told them they need to close all Credit cards associated with my closed accounts. They closed accounts for Credit cards XXXX and XXXX. They closed all credit card accounts. They further told me that the credit card was issued in XXXX. I told them I never received any Credit cards. They could not tell when or who activated the credit cards. I went to the Truist bank closes to me and spoke with XXXX XXXX, Senior Relations Banker. She contacted Truist Bank, and they told her the Disputes had been transferred to account XXXX form account XXXX, because XXXX was the main account holder. I began receiving statements from Truist Bank stating I had past due Interest fees and Late charges. I went to the local XXXX Department and spoke to a XXXX XXXX. He contacted Truist Bank Customer Service, and they told him the Dispute cases were still opened and the Disputes would be resolved within 60 days. I filed a case With the Government Identify Theft Department. This is XX/XX/XXXX, and I am still receiving statements showing the Interest and Late charges still coming and the current balance is {$400.00}, up from the initial charges of {$310.00}. As of this date they told me the two Disputes are still open.

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$290.00} XXXX XXXX XXXXXXXX {$18000.00}

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 recently checked my credit report and noticed that there is personal information reporting that I did not consent to being reported

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 2023-11-21
Company: MORGAN STANLEY & CO. LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Attempted to log into account online and web page stated account was locked to call for more information. I called and was told account was locked due to multiple log in attempts, I supplied all the requested documentation and was allowed access after about an hour on the phone, additional set up company fraud prevention items such as XXXX, and a pass phase and answer for future verification, this was all done on XXXX  XX/XX/2023 and account was unlocked and able to use. 
Attempted to pay a bill online with debit card on XX/XX/2023 and was declined, attempted to log into account online and =web page stated account inactive, to call in. I called in and was told my account has been closed due to fraudulent activity. Since XX/XX/2023 I have called and supplied all requested documentation, several times to have funds released so I can deposit in another bank and as of today XX/XX/2023 my funds are still being held. This has caused late payments, creditor calls and harassments, stress and inability to provide food for myself and family.

Company response to consumer: Closed with explanation