BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am the new Secretary/Treasurer of XXXX XXXX XXXX. I am currently trying to obtain statements showing the XX/XX/2022 and XX/XX/2022 value of CDs held by Truist ( formerly Sun Trust Bank ). I tried to find these on the online banking application, but the system would not return any documents. 

I called the bank XXXX to try to obtain statements on XX/XX/2022, the first call was at XXXX XXXX. The XXXX time I called, the person on the phone told me that they don't have statements for CDs. I reviewed my predecessor 's statements for the calendar year and can not find any statement regarding the value of CDs. 

After speaking with my predecessor and conducting online research on what kinds of records banks should be keeping, I decided to call back at XXXX XXXX. I spoke with XXXX person who gave me the accrued interest, but was unable to tell me the principal of the CD at the beginning of 2022. I said that information was no help because the online banking only tells me the current value of the asset. There is no way for me to audit any of this information provided to me online. I was then transferred to some investment specialist who told me they can't help, but would transfer me back to banking. The investment specialist put me on hold and then said that there is an error in their system and I need to go to a branch. 

This is unreasonable as I live in Massachusetts and the nearest branch is in New Jersey. I don't know why they can not provide documents to me. I have full access to the bank account. Truist generally provides poor service, people at the branches are unable to assist, and seem unknowledgeable. 

I don't know why Truist can not put all this information on a consolidated statement. Looking through a year 's worth of statements, Truist has changed the way they report 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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 2023-01-19
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have two collections on my credit report from this company that are both for medical bills and are both under {$500.00} ( one for {$460.00} and one for {$260.00} ). They are from Americollect and there is no phone number anywhere to reach them. I have written letters and have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Central Portfolio is reporting a collection account on my reports that I have been disputing for a while now. 

I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. 

Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. 

How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? 

I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: SANTANDER HOLDINGS USA, 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: Reporting company used your report improperly

Complaint:
15 usc 1681 Section 604 states rights to consumers privacy reporting agencies can not furnish a account without my consent!

Santander Consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a dispute over whether I had charged at least {$20000.00} to my CapOne credit card within one year from date of opening ( XXXX XXXX ), in which case their promotion promised me XXXX reward points. CapOne has previously given me XXXX points when I achieved a lower level of spend, leaving XXXX points in dispute. 

CapOne has written me that my total charges within the year were only {$17000.00}, short of the required {$20000.00} spend. By my note dated XXXX XXXX XXXX, I responded enclosing copies of the relevant billing statements as follows : XXXX XXXX XXXX  {$1800.00} ; XX/XX/XXXXXXXX XXXX XXXX {$4600.00} ; XXXX XXXX XXXX, {$5200.00} ; XX/XX/XXXX, {$1500.00} ; XX/XX/XXXX, {$250.00} ; XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX  {$3500.00}, and XXXX XXXX XXXX {$2400.00}, equals a total of {$21000.00} within the year. I asked that if their record was inconsistent with my own, that they provide a month-to-month breakdown as they believed it to be, but they have ignored my letter and have refused to engage with me as to the discrepancy. At this point, thats all that I ask them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion and XXXX are hereby referred to as The Companies. XXXX XXXX is hereby referred to as The Consumer. 

The Consumer has tried unsuccessfully on numerous occasions to retrieve his annual consumer reports due to an error when connecting to The Companies systems via 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 2023-03-01
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Made a purchase online thru XXXXXXXX XXXX XXXX XX/XX/XXXX via my cash app card. For whatever reason my items where shipped in two packages. One package came thru USPS totaling {$5.00}. Second package was ship thru XXXX XXXX. for XXXX. Receive a notification that my package has been delivered. I check my ring camera no one had arrived at my home. XXXX XXXX XXXXXXXX XXXX with my tracking number and look at the photo uploaded by the driver. The home in the picture isn't my home. Contact XXXX XXXX rep tells me to give them 2 days to investigate. They tell me it was delivered I tell them no it wasnt so they ask for proof i send photos of my home. Too only be told contact the merchant we cant find your package. Contact XXXX XXXX XXXX they say well unfortunately since XXXX XXXX states your package as delivered we cant issue a refund. Contact the bank you use. On XX/XX/XXXX for the first time the claim dispute with Cash App for a refund in the amount XXXX. I've submitted documents regarding emails from XXXX XXXX and XXXX XXXX as well as photos of my home and a video of my home. And my claims are being denied stating I receive the goods. There's no one on the support team to speak with via phone. The only answer i keep getting is to file a claim. Then on XX/XX/XXXX I receive a provisional credit for XXXX. The amount is XXXX. I receive my order for XXXX via USPS. Companies involve are giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After transferring the bulk of my funds to a Bank of America account due to higher international wire limits. I scheduled an appointment and notified the bank several days before that I would be going to the branch to send an international transfer exceeding {$50000.00} and to be prepared to do so as I was moving out of the country. At the scheduled time I filled out all paperwork, provided both US Passport and valid state ID. About 40 minutes passed and the Bank Manager came to speak to me. She notified me that my account was now frozen for suspected fraud. And that the wire would not be sent and that I would have XXXX access to my funds. I was scheduled to leave the country, a very large international move two days later. With XXXX access to my account, multiple vendors would not be able to get their payments and created an issue. My pets USDA health certificate payment was refused, causing my pet to not be eligible to leave the country at the pre-set departure date. I was unable to pay the airlines to rebook my tickets, unable to pay rent, purchase fuel, or groceries to wait out the account freeze. This is beyond unacceptable.

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 2023-03-01
Company: JPMORGAN CHASE & CO.
State: WA
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:
On XX/XX/2022, my card was charged {$660.00} instead of {$65.00} when in XXXX. When I got back to America I disputed the charge on XX/XX/XXXX. They got back to me XX/XX/XXXX saying they were researching the dispute and on XX/XX/XXXX they confirmed the transaction was valid. I put in a dispute again the day after, and on XX/XX/XXXX they began researching again, and found the charges valid. On XX/XX/XXXX, I disputed again, told me they were researching XX/XX/XXXX, and confirmed they were valid XX/XX/XXXX. In XXXX I filed a dispute again, XXXX XXXX  XXXX they said they were researching, XX/XX/XXXX they said they believed my dispute, but too much time has passed so they couldnt give me my money back. 

The charge happened on XX/XX/2022 when I was in XXXX. I was at XXXX XXXX XXXX restaurant for lunch where my bill was XXXXXXXX EGP ( {$65.00} USD ). I handed the waiter my card and bill, he charged me XXXX EGP ( {$660.00} ). They then took my friends card and billed her the correct amount of {$65.00}. After many failed attempts with Chase Bank, I contacted the restaurant over XXXX XXXX in XXXX. They immediately replied and said they have the receipt right here, sent me the receipt, then sent me a bank statement. This bank statement was them transferring the XXXX EGP to a bank account under the name XXXX XXXX I am not him. 

I still have all the receipts and conversations with the restaurant if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update the unverifiable accounts below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've written a dispute letter XX/XX/2023 No Knowledge of this account. This is fraudulent and someone has stolen my identity. This is the second time this has appeared on my report but with a different collection agency name. Allied Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX In response to my letter I was sent patient information sheet on that sheet it clearly states responsible party 's name. 

on the service and installment contract the signature clearly states the responsible party name. 
My name nor signature is not on this account. 

I would like this matter resolved and removed off my credit report. This is not my account or legal matter. 
They will be hearing from my attorney to resolve this legal matter.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-22
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is falsely reporting on my credit. Per my research XXXXXXXX XXXX XXXX is a debt collector. Under 15 U.S code 1681d disclosure of investigation violation violation below : A person may not procure or cause to be prepared and investigate consumer report ( 1 ) It is clearly and accurately disclosed to the consumer that and investigative consumer report including information as to his character general reputation personal characteristics and mode of living whichever are applicable may be made and such disclosure ( A ) is made in writing mailed or otherwise delivered to the consumer not later than 3 days after the date on which the report was first requested I requested to be provided proof of this alleged item, specifically the original contract bearing my signature with XXXX XXXX XXXX. Im requesting that this is deleted from my credit report as soon as possible. Under federal law you have 30 days for reinvestigation 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

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 2023-03-08
Company: CarMax, Inc.
State: KS
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:
Hospital and car loan is reporting on my credit report without my permission and I have ask for them to remove but the done keep it on my credit report and its against the law to report any thing without my premision

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 non-monetary relief
Consumer complaint received 2023-02-26
Company: Figure Technologies, Inc
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Figure Lending had the wrong property info I informed them several times and it appears they received the right property description but yet online the information is still wrong. This can cause title issues later ono

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$380.00} ; XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Resurgent Capital Services L.P.
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 have an account that was placed in collections on my three bureau credit report. The amount is {$1200.00}. I was not given a notice that the account would be sold to a 3rd party collection company, nor did I give them or the original creditor permission to report my data to these private data collection companies. My consumer rights have been violated by this reporting and I demand full removal of this account on all three bureaus. I have contacted LVNV Funding twice by certified mail requesting an investigation and no efforts have been made to provide their findings including a signed contract with my signature allowing the collection or a purchase agreement when purchasing the debt from the original creditor. Upon further investigation LVNV Funding LLC per the NLMS website is not licensed to collect in the State of California. Please have this rectified immediately. Thank you in advance.

Company response to consumer: Closed with explanation