BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America opened an account online ( savings and checking ) in my name, with no identity documents and no deposit. It was not me- it was fraud. I tried calling twice in XXXX, held 40 minutes and 1 hour respectively. I then made an appointment with the branch at XXXX XXXX in XXXX XXXX, MO. I was there for 50 minutes and no resolution, but I did find out they opened it without identity documents and without a deposit. I only found out about the account when I received a statement in the mail because the accounts were drawn negative by a fee. Somehow they had my address, SSN, and DOB to open the account. They didn't have my current employment nor work number. 

The account representative at the branch stayed on hold with the fraud department the entire 50 minutes I was in the office, to no avail. I left with a number to call the fraud department and called a third time, held 65 minutes and finally spoke to someone that said they would reverse the account fee that drew the account negative and close the account. She would be sending out a fraud packet. This would seem it was taken care of ; however, the fraud packet I received in the mail asked me to send in a copy of my driver 's license, a copy of my social security card, a copy of my social security statement, a police report, etc. Pardon me, but HOW IS IT ACCEPTABLE to request the aforementioned personal identity documents through the mail, and WHY WOULD I TRUST them with such documents after what they did - opening an account with no proof of identity and no deposit? I didn't think it was legal for them to ask for the social security 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 2023-11-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
This is the second time truist has gave an address for us to send a check via mail and however this check keeps getting lost per previous complaint we sent in a check to address. Truist has provided us and they could never locate the check We then later put a stop on that check and sent another to a XXXX XXXX XXXX Truist corresponded via mail that we send it directly to. There is now a check of $ XXXX that Truist has once again lost. I have proof that this check was overnighted to the address that was provided to me every time I call to verify if the check has been delivered, they mainly telling me no we haven't. We still have a outstanding balance and is not trying to help locate the check. I have documentation proving that the check was delivered and signed off at the address. Truist provided us with the address ( truist bank XXXX XXXX XXXX XXXX Md XXXX ) and once again can not find the check. We could of been had our mortgage caught up every since XXXX of this year but they are placing more stress on us and added more fees for something that is not our fault.

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 2022-12-06
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I had a money transfer sent to my wise account on XX/XX/XXXX, which was due to arrive on XX/XX/XXXX, from an external bank account. 

The transfer was marked as being completed by the external bank, but it is still not present in my Wise account and this is now 8 days late. 

I have tried reaching out to their customer service on multiple occasions and provided them with numerous pieces of documentation, and still, they have done nothing- they keep saying it'll be " 1 to 2 more days ''.

The phone number they provide on their website for customers doesn't work and their chat is offline. They also don't respond on social media. 

They have provided NO WAY for me to have my issue resolved in any manner that is acceptable. 

There is no way for customers to get timely, efficient help with their issues. 

I have now looked further into wise and realized there are thousands of reviews from people having a highly negative experience with this company. 

It's a shame as I've used them for a number of years now. 

I would recommend all buisness owners to stay away from Wise- they can hold your money for up to 90 days without explanation - this can wreck small businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sent COMENITY CAPITAL/LANE BRYANT a letter on XX/XX/2022 to remove from my credit reports due to failure to provide a binding contract with two signatures. COMENITY CAPITAL/LANE BRYANT also did not provide a written consent giving authorization to access my credit report per consumer protection law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am trying to visit their website to cancel my credit card. XXXX XXXX XXXX I am unable to find a way to cancel the card : When I call the company 's phone number there isn't an option to speak with someone. 

I do not want to keep the card open but I am unable to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: OneMain Finance Corporation
State: TN
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:
This Company One Main Financial is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a {$500.00} deposit and within hours it was taken. Not being the one who did this transaction called it into Huntington bank as fraud. The rep taking my complaint stated that this was at a Huntington bank and it was pin transactions. I explained that I have multiple people helping me and that I have XXXX. He indicated that I would have to testify in court against the people who took it I was in agreement with it. They gave me a temp credit for the {$500.00} but later took it back resulting in my account not having enough funds to pay off my insurance. I cant help it if some one that I know may have took my funds. I was relieved that I was able to see who did this to me. This bank breached contract when they told me I was going to have access to the pictures taken on file. They had no business taking my funds as I told them I only gave permission for the {$500.00} to be deposited. They sent me a letter saying they did their investigation and there was no error. I was challenged by the rep who took my initial complaint. He was already assuming that I was making a fraudulent claim. No one ever said that my card was lost or stolen I simply said it was misused. The rep was supposed to order me a new card but I still have not gotten it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: The CBE Group, Inc.
State: MN
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:
Disputes provided by credit bureau XXXX are not allowing proper or legitimate use of it product. XXXX has a process in drop down box format with options whichever best describes your issue as choice option. Not one option listed states " address dispute '' but however XXXX is stating to the creditor that I am disputing my address. I am not disputing my address but I am disputing an identification process in which the creditor can not prove identification such a simple state i.d document or license verification. However XXXX is ignoring my request for an identification request from the creditor which violates my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NJ
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 went to car dealership and tried to apply for a car they said they were going to pull my credit report but however they noticed a lot of hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX CO 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 2023-09-26
Company: DISCOVER BANK
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover is reporting a balance on my account when the information is inaccurate. I received a 1099c for the balance and would like for my account to reflect accurately according to the FCRA and FCDPA. Please update my account to XXXX based upon what was reported to the IRS. Please update my records accordingly. The information is on the copy of the 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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 2022-09-21
Company: Torriere Holdings INC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have repeated called numerous times in an attempt to a collect. I am requesting no future communication from this debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I saw illegal accounts that were not mine on my profile report. I'm upset that you put the information below in my credit profile and that you don't follow good practices to make sure your credit reports are as accurate as possible. Laws about credit reporting make sure that agencies only report 100 % correct credit information. At each step, the information should be checked to make sure it is correct and accurate. The information that goes with this should be looked into. After carefully getting my credit report from your agency, I am having a hard time finding accounts that are wrong or don't exist. Because of the Equifax data breach, I don't know anything about these things or the wrong information. This is because my information may have gotten into the wrong hands. You are reporting carelessly and wrongly, and you are not following the FRCA. I know that as a federally protected consumer you have no legal standing and can't hire a lawyer to fight me.

I'll ask for a default judgment and file a class action lawsuit for violations, stress, and menstrual anguish, as well as at least 1 percent of the corporation under TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Fair Credit & XXXX  has been reporting a fraudulent account on my Equifax after XXXX and XXXX have deemed the account fraudulent. I have filed a police report and reported this company to the FTC numerous times as fraudulent. This company claims I owe them $ XXXX for an apartment in XXXX, Atlanta. I been paying a mortgage since XX/XX/2020 until now in XXXX, GA. No way have I or would I live in the crime infested part of XXXX XXXX Also XXXX is full of fraudulent activity. This account does not belong to me. All my accounts are in good standing and I intend to keep them that way. I take my credit very seriously and pay all my owed debts. The company has been sent a letter along with the same police report I gave to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, All Accounts listed above have violated my rights according to law 15 USC 1681 section 602 ( A ) states I have the right to privacy.

15 USC 1681 section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my 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 explanation
Consumer complaint received 2022-12-06
Company: Synovus Bank
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX provides an option to dispute. 
These options are listed in drop-box format. 
However the options that I chose to use are not being reported fairly by experian. Instead experian chose to state or use terminology as a method of choice " address dispute '' in which is not my choice for dispute, nor is not an option in drop down box. I believe this is fraudulent in its inaccuracy to help the creditor win over in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the fair credit reporting act my rights as a federal protected consumer has been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S 1681 c-2 15 U.S 6802 15 U.S 1681a- 2 Exclusions does not include report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any 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 be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Genesis FS Card Services, Inc.
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 had Payoff this Credit Card, which had a balance of XXXX on XXXXThe name of the credit Card company is Milestone ( genesis ) But I receive a statement in XXXX of XXXX  with a charge of XXXX which I. did not recognize and did not authorize, See enclose statement. I had call them about this charge, but they never investigate and until this date have been demanding, payment without any proof, that I owe them this charge. 
not only that, but have added late fee 's, in the amount of {$130.00}. I had a Law firm, to write them about this dispute and send proof of this charge, but to no avail.

On top of that, they have reported it to the credit bureaus and have ruin my credit report, has a past due account. I have enclose documents of proof that it was pay off. 
Also a payment of payment {$15.00}. with the letter from the Attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX15RE ; BSI FINANCIAL - LOAN # XXXXPlease help me BSI financial has been giving me misleading information regarding the HAFA Short Sale request over 3 weeks ago, now they are refusing to take my calls and they have a placed a foreclosure sale date without any notification for XX/XX/2015. 

I have provided every single document requested by them and now they are refusing to take my call. Please help me since I have done everything to avoid foreclosure and it is not fair that they are doing this to me and my family. 

Please help meXXXX XXXX

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