BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: Incomm Holdings Inc.
State: MA
Product: 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:
On XX/XX/XXXX, I received a One Vanilla gift card with a generous balance of {$250.00} USD as a wedding gift from my brother. He had purchased the card from XXXX located at XXXX XXXX XXXX, XXXX, MA XXXX. I stored the card safely for emergency use, with no prior disclosure of its details to anyone. 

However, on XX/XX/XXXX, when I attempted to utilize the card for a purchase at XXXX XXXX, I was dismayed to find that my card was denied. Immediately, I contacted the customer service helpline, seeking clarification and assistance. To my astonishment, I was informed that my card had been fraudulently used in XXXX in XX/XX/XXXX. I want to emphasize that I have never visited XXXX in my life, nor have I shared my card information with anyone. 

In response to this unfortunate incident, your company initiated a dispute on my behalf for the two unauthorized transactions. I was assured that a thorough investigation would be conducted, and a decision would be communicated within 45 days. 

Regrettably, on XX/XX/XXXX, I received an email from incomm team that left me deeply dissatisfied. The message stated, " We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, we regret to inform you that we are unable to approve your dispute. With the denial of this dispute, your case has been closed. Per the cardholder agreement and the payments network, these transactions are out of timeframe for recovery. '' My dissatisfaction arises from several critical points : 1. I reported the unauthorized transactions immediately after my card was denied, demonstrating my commitment to resolving this issue promptly. How can I be held accountable for a timeframe that I had no knowledge of? 

XXXX. Card uas the expiration or XXXX.If, i have used the card in XXXX or any time, how would I have known that there was a fraud already happened in XXXX. 

3. I emphatically assert that I am innocent of the transactions in question. I should not bear the consequences of someone else 's wrongdoing. 

Despite my subsequent attempts to seek clarification and resolution, I have received no further communication from Incomm. This lack of response has only added to my distress and frustration. 

I implore you to help me reconsider their decision and conduct a more thorough and fair assessment of my case. I have been left in a distressing situation through no fault of my own, and I believe it is only just that this issue is rectified promptly. 

I eagerly await your prompt response and a satisfactory resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I created a recurring transfer to automatically pay my mortgage serviced by Truist via ACH on a monthly basis. I later attempted to cancel the recurring transfer at https : //bank.truist.com/web/tap/transfer/transferActivity so that I could make manual payments each month. Despite selecting " delete series '' to delete this recurring transfer ( multiple times ), the recurring transfer continues to re-populate and draft from my account each month. The net result is that there is no way to delete a recurring transfer via Truist 's web interface and Truist continues to ACH draft my account each month. In addition, upcoming ( scheduled ) ACH payments do not show up in the Account Overview @ https : //bank.truist.com/web/accounts/i/<your account hash> under Activity > Upcoming, they only show up under Transfers > Manage Transfers, resulting in confusion about whether or not the schedule payment will be processed. The scheduled transfers do not appear to be available to view or delete via Truist 's mobile app. 

I attempted to resolve this by calling Truist customer service ( multiple times in XXXX, XXXX ), but the Mortgage/Loan department believes that it is a problem with the online banking department, and the online banking department transfers me back to the Mortgage/Loan department. The result is that neither party is able to cancel my recurring ACH payment, I am not able to cancel it via Truist 's website, and it has resulted in multiple accidental double payments that are a financial burden.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-18
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I have been sending information to the credit bureaus for a year asking them to please investigate. It is not the first time that I have worked on my credit, in XXXX I fixed it and the process was not as long and tedious as it has been now, I don't know what happened. I have gone to their websites to see if the conditions have changed and I see that they have not, since they are still supposed to respond to me within 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Around a month or so I submitted a dispute about the unauthorized inquiries I had on my transunion report and since then there was no updates or anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-17
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received written notice in the mail on XX/XX/2023 that my XXXX 's store charge card would be making several changes : 1, Introduction of a {$1.00} paper statement fee 2. Increase in interest rate to 31.99 % XXXX charge card is owned by Synchrony Bank. I perceive the {$1.00} statement fee as a junk fee. I also consider interest rates over 31 % to be usury rates. This is absolutely ridiculous. I will be paying off my card and cancelling my account but this seems borderline illegal, especially given recent CFPB guidance to banks on Junk Fees, including paper statement fees. 

Thank you.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 non-monetary relief
Consumer complaint received 2023-09-07
Company: Automated Collection Services, Inc.
State: MO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company stated that they sent me a letter stating I owed this debt. Once again I didn't receive anything in the mail from this company there for I was not able to dispute this debt. My mail box is broken and I asked my apartment complex to fix it and they still have not. I don't know what happened to the letter they said they sent. I was not giving a chance to dispute before this was sent to the credit bureaus. This needs to be removed. I was not giving notice. I will file a complaint with the states attorney general office if this not rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account Number : XXXX : XXXX Account XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account XXXX XXXX. Validate Account XXXX XXXXXXXX Account XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account Number : XXXX XXXX Account XXXX  Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account Number:XXXXXXXX 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXX Account Number : XXXX 3.Validate Account XXXX Account NumberXXXX 5.Validate Account XXXX Account NumberXXXX 6. Validate Account XXXX  XXXX Account Number:XXXX XXXX Account XXXX Account Number:XXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX Account NumberXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} ; XXXX XXXX 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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-05-14
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have called or chatted ( on the Mohela website chat feature ) with Mohela on numerous occasions regarding my payment tracker. There have been various issues but currently, and for the past few months, the issue is that my payment count is missing almost three years of payments. I keep asking them about these missing years and they keep telling me they can not check the status and that I need to wait 90 business days. Every time I speak or chat online they say wait 90 business days. It's well past 90 business days and almost three years are still missing from my payment trackers. The time that is missing is XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 non-monetary relief
Consumer complaint received 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I do not have a Capital One Checking account nor any account with Capital One. 
On XXXX I received two letters for Capital One Bank stating that my checks had been successfully deposited. The deposit dates on both letters was XXXX. The account number is XXXX. One check for {$97.00} and XXXX for {$96.00}. 
I have reported this fraud to Capital One. 
Apparently my SS number is out there. I have closed multiple fraudulent accounts this year. 
The only way I am notified is, if the banks send me US postal mail. 
I truly wish the banks would run a credit check, before opening an online account as my credit is frozen and has Fraud Alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Upon seeing that Aidvantage was my loan servicer, I created an account and set up automatic payments. As I had cash on hand, I attempted to pay {$3000.00} towards one of my loans, the one with the highest interest rate, to get a head on its interest accumulation. On XX/XX/XXXX I submitted this payment. A few days later I noticed that the money had not been taken from my bank account. On XX/XX/XXXX I had assumed I made an error typing in my routing number or similar. I entered it in a second time taking considerable care to ensure it was correct. I thought that should be that, and when I checked my account on XX/XX/XXXX, I saw that once more the payment was reversed. I called Aidvantage, but after an hour on hold without having spoken to a person, I had to go back to work. On XX/XX/XXXX I resubmitted my payment, and noticed that interest had begun accumulating on the original loan amounts, which I had been trying to avoid for two months now. A further attempt to contact the Aidvantage today had been similarly fruitless, and now at the recommendation of family I am filing a complaint.

Company response to consumer: Closed with explanation