BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Correct name XXXX XXXX. I do not identify by any middle name.

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 2022-06-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2022 i was informed that I had insufficient funds in my account, even though I have overdraft protection. Wells Fargo charged me for the OD protection and charged me {$35.00} for each transaction ( there were 2 ). 
When I called to discuss this with Wells Fargo they were only able to reverse a portion of the overdraft fees. They claim that the reason they could not reverse all of them was due to my relationship and history with the bank. I have been a member of Wells Fargo for as long as I can remember and I've never had such problems with them. The economy is terrible right now and every little Penny makes a big difference for those of us who are not wealthy. I think the overdraft fee protection practice should be stopped and Wells Fargo should lower the amount of money that they charge.

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 notified Transunion that I am a victim of identity theft. In response to Transunion I am not a third party. I am a victim of Identity theft

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 2022-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following companies below XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number Account Number 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I went to my bank Truist to access my safe deposit box. The keys I had would not open the box. I have {$89.00} in a savings account. When I asked for my money I was told by a bank officer that I owed {$15.00} for the box and if I paid {$15.00} I could have the rest of my money. This did not make sense because I couldnt get into the box. The next day I spoke to the branch manager and he said I closed the box in 2018. I asked him if he could prove that because my signature card was still on file. He said they had the keys to that box and it was empty. I left my {$89.00} in the savings account on the hope that if I owed money for the box and they were able to locate the contents I would be able to pay the money if I owed it. Previously the fee for the box was automatically withdrawn fro the savings 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 2022-06-15
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call all day!! Multiple times a day at times and sometimes back to back. They use different numbers to call during the week, with local area codes, but all numbers come up as CBE Group. 

I spoke to someone there and told them to remove me from the list and they still keep trying to call me. I have to constantly be disturbed during work hours and at home due to how often they call. 

They just keep telling me that they took over a debt and I needed to pay them. No amounts, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Report provided to employer without your written authorization

Complaint:
When reviewing my credit report I notice that this inaccurate information is still in here, there are inaccurate late payments that I would like to get rid of. These late payments is hindering my life I find it hard to get approved a housing loan and even an auto loan. I am requesting you to please remove the late mark then correct and update the history to never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: SYNCHRONY FINANCIAL
State: LA
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  and XXXX  both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!

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 2021-03-24
Company: Rent Recovery Solutions
State: CT
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:
I entered into a lease agreement with the leasing company, XXXX XXXX on XX/XX/XXXX with my roommate for an apartment lease of 18 months. 

On XX/XX/XXXX, I vacated the property due to XXXX XXXX and returned one week later on XX/XX/XXXX to remove my belongings. 

That same day, I informed XXXX XXXX that I wanted to terminate the lease agreement. They refused even though I informed them I was moving due to feeling unsafe in the apartment. They witnessed first-hand the heightened tensions as I was moving out and suggested that I call the police. XXXX XXXX insisted that in order to terminate the lease, my roommate would also have to agree to termination and move out or take over the lease himself - both of which he refused to do. 

Previously, XXXX XXXX were notified by animal control/police that my roommate had been seen acting violently towards my dog on their property, which resulted in animal control removing my dog. 

On XX/XX/XXXX, I notified XXXX XXXX, that I was moving out of the property and gave them 33 days ' notice. I agreed to pay rent for the full month of XX/XX/XXXX. During this time my roommate still refused to move out or take over the lease. 

I attempted to resolve the situation amicably with XXXX XXXX from the date I moved out until XX/XX/XXXX but was not successful and received threats of legal action and court filings. 

Distressed, I contacted a XXXX XXXX  counselor for XXXX counselling. During these sessions I was informed that under federal and CT state law, lease agreements can be terminated under XXXX XXXX situations. My councilor sent a letter to XXXX XXXX iterating this, which they received on XX/XX/XXXX. 

I was informed by XXXX XXXX that my roommate eventually moved out on XX/XX/XXXX. 

My roommate and I received a final bill of {$4500.00} from XXXX XXXX on XX/XX/XXXX. This is the bill I am contesting ; -It itemized fees, rent ( up until the time my roommate moved out ), attorney 's fees, notice to quit and Marshall served summons on my roommate and a separate utility 's bill of {$69.00}. 
-I should not be liable, or made responsible for these fees as I had already moved out and my roommate was the only person living in the apartment. 

As further evidence, please find enclosed email correspondence and a copy of the letter from my XXXX  XXXX councilor as supporting documents to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have a hard inquiry on my credit report due to a lending company running my credit for a mortgage. That was not me. I have not been looking for credit, a house etc. Someone has used my information and it has gone on 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 explanation
Consumer complaint received 2017-09-12
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 fraud alerts or security freezes

Complaint:
I 'm contacting you because after the XXXX breach I 'm attempting to place holds on my credit with all the bureaus and doing so with Experian has been supremely difficult to the point that I think they are purposefully trying to stop people from doing it. Both the other companies allowed me to freeze my credit over the phone using the keypad. I tried calling and waiting for 40 minutes the first time and more than 30 minutes the second before I had to hang up ( wonder if they even HAVE customer service representatives ). Then I tried to do it online, entered all my information in correctly and answered all the questions correctly THEY DENIED THE FREEZE!!!! They are requesting that I mail them a ton of sensitive information. This is INSANITY! Fix this!!!!

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 2020-10-07
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, chime put a suspension on my account. For context, I had just moved to north carolina and had signed up for unemployment, mainly due to the fact i had a XXXX  scare back in XXXX and didn't sign up back then. I was accepted by the state of north carolina and handled it all with them, and used my chime account to recieve the unemployment through direct deposit. Everything was going fine until XX/XX/XXXX when they put a suspension on my account for " suspicious activity ''. This was all coordinated through email, they asked for info to verify I was me, so i gave them what they asked for, but in turn revieved another email shortly after asking for MORE. So I decided to give customer support a call, considering there was upwards of XXXX XXXX dollars in my account. The lady was nice and a comodating, had me verify some purchases and info, then told me i was good to go and everything was unlocked etc. It wasn't, i even tried using my card later to make sure and it was declined. So I gave it a day thinking it just needed some time to process. It didn't, so I replied to the email i had before i called customer support, and gave them MORE info, including my Social security card, a picture of me holding my id next my face, and proof of address. Again, this wasnt enough for chime, and they sent me another email asking for MORE. So again, i called customer support, and this time at least the man i spoke to was honest with me, looked at the emails and documents i had provided, said it would be enough but i just had to wait for the higher ups to get back to me. Shortly after that phone call i recieved another email again asking for more info, with more misleading context. At this point i was beginning to think i was being scammed, but how could i be scammed by a legitimate corporation? So I sent my final email with my concerns and worries, and shortly after, they emailed me back saying my account had been shut down and my remaining funds ( almost XXXX XXXX dollars ) were non refundable. I tried calling chime, but it is now an automated voice message saying i need to email. But ive gotten nowhere with email and them. I called XXXX, and there was nothing they could do, so i called the other bank that is associated with chime, XXXX  XXXX. They said the same things, except when I talked to a supervisor they said that it was the " written '' department that had handled my account. Ive contacted an attorney who is going to take on the case, and I advise anyone who uses chime to switch banks immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX. XXXX XXXX NA, Inquiry Date : XX/XX/XXXX XXXX. XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 
Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. 
Furthermore, I also demand you, produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved

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 2022-01-05
Company: Synovus Bank
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. FIRST PROGRESS abruptly closed my account without my permission. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to FIRST PROGRESS as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against FIRST PROGRESS in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 FIRST PROGRESS is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against FIRST PROGRESS for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.3. A Promissory note is a negotiable instrument. FIRST PROGRESS has committed aggravated Identity theft and is still benefiting from my intellectual property. FIRST PROGESS ALSO TOOK 2 DOWN PAYMENTS OF {$200.00} IN CONNECTION WITH THIS CONSUMER CREDIT TRANSACTION. I have 2 accounts with FIRST PROGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have delt with Aldridge piite and Haan law firm before. They took me to court and filed a law suit on me without my knowledge of the debt. I am on XXXX and XXXX and have filed several complaints against this company before on this issue they continue to file law suits without knowledge or without even making contact attempts first. They automatically get the suit in their favor and hardly give time to respond to said law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I was served paperwork by a private server that stated the alleged debt for a credit card and the fact they were prepared to take me to court. I responded XX/XX/2021 to the attorney who filed, XXXX and XXXX at the address given to me on the papers served, as well as several letters to XXXX XXXX disputing said debt. Time passes and I do not hear back. I assumed they had dropped the issue due to my dispute and my statement of limited employment due to a XXXX. I was then sent, by mail, papers from XXXX XXXX XXXX in Indiana that since i did not respond nor show up for court a default judgement was ordered. I sent a copy of the dispute letter to both the court and XXXX and XXXX again stating that i did respond and that I was never notified of a court date so I was disputing the judgement. Again, I here from no one. I look up my info on XXXX to get answers and I see it was posted that there were no findings of me telling the truth. Plaintiff stated nothing was received. I sent the prof. and no one can tell or show me how I was notified of a court date. I was completely dismissed. Now the same creditor, different lawyer is trying to do it again with a different debt. I feel since I am so close to the statute of limitations for credit card debt that they are just pushing things through with no regards to my rights or policies.

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 2022-01-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo unlawfully foreclosed on our mortgage in 2014 and has still not corrected the errors. 

NOTE : This is NOT a duplicate of XXXX. 

In response to my initial complaint referenced above, I did speak with rep fr WF. When asked for an email address with which to correspond, I was told they do not use email but he offered a fax number. He was wanting to discuss my concern over the phone but I told him I was not comfortable doing that and preferred correspondence in writing.

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 2017-09-12
Company: EQUIFAX, 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:
On XXXX XXXX, XXXX I discovered my personal information had been compromised due to Equifax 's negligence. On the same day, I was offered a free period of monitorying by Equifax. However, this action does not solve or compensate victims of Equifax 's gross misconduct, incompetence, and negligence. Equifax 's business revolves around consumers ' personal information, and allowing hackers to breach their system, affecting half of the United States, is unacceptable. As with other affected consumers, I was not contacted by Equifax notifying me of improper use of my personal information. Moreover, Equifax discovered the security breach on XXXX XXXX, and did not make the information public until XXXX. Personal information, including but not limited to Social Security numbers, full names, addresses, and credit card information, holds monetary value and can lead to inidividuals ' financial losses.

Company response to consumer: Closed with explanation