BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I ordered hair salon equipment that was four double sided stations and eight styling chairs from a company called XXXX XXXX on XX/XX/20. XXXX XXXX called me to set up a delivery date of XX/XX/20. He and I had emailed back and forth discussing my order. I still have not received any of my purchased order from the company as of XX/XX/20. A company called XXXX XXXX XXXX took the money from my account on XX/XX/20 but I never had any dealings with this company. I had only spoken to a man named XXXX XXXX from XXXX XXXX who claimed to be their sales executive phone number XXXX. I reached out to the company XXXX XXXX on XX/XX/20 through XX/XX/20 trying to inquire about my delivery date and had no contact then at all while emailing, calling, and leaving messages. 
I contacted my bank Suntrust now Truist on XX/XX/20 to inform them that I thought I had been scammed by XXXX XXXX. I gave info to start investigation and on XX/XX/20 they sent me an email stating no error had occurred. I reached back out to them by phone to appeal and was told i would need to fill out a rebuttal form. I also asked for proof of why they made their decision which I also have not received. I received that on XX/XX/20. I printed it and filled it out. I had gathered information from XXXX about is this company real? I googled the address to XXXX XXXX and found it was a vacant building. I reached out to businesses near that address and companies confirmed it was vacant and had been for years. I filed a police report, talked with other stylist and received emails with some of their stories. I Had received emails from a business near the address XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. I had discovered that a company XXXX XXXX is using the same address. Again no business in the actual building. I sent my rebuttal form in on XX/XX/20. since then I reached out to the Illinois Secretary Of State and enetered XXXX XXXX  and XXXX XXXX A Person with the name of XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Illinois is the contact person for XXXX XXXX. The contact person for XXXX XXXX is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Illinois. I was told it could take up the 45 days to decide to open my case back up. I need a resolutions. I understand that I used my debit card to purchase but Never with XXXX XXXX and I have never received my goods purchased from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I have two problems with capital one. The first problem is me and my mother submitted an authorized user form on her account in XX/XX/XXXX so my credit report would be positively effected. We are now in XXXX and it has not showed up on my report yet! I have been getting the run around with this as at first I wasn't on there then I was then wait 30-60 days now they can't tell me anything more ... ... .. the second thing is I applied and was approved for the XXXX credit limit walmart credit card around XX/XX/XXXX. I received the credit card via mail, I sent them the front XXXX back of my license and ssn which I have never had to do for a credit card company as that should be on my application when I got approved. I called in checking on my mom 's authorized user status in XX/XX/XXXX and the woman told me my mother created a new account for me instead of the authorized user form. I informed her my mother only wanted me on her account as a authorized user and not a whole new card. The lady said no worries and cancelled that card she said my mom signed me up for instead of the authorized user. Turns out she cancelled MY walmart card which had nothing to do with me being an authorized user on my mom 's account! So, they closed my card out before I could even really use it! That costed me XXXX points deduction on my credit report! I also have a hard inquiry on my report for no reason at all since they cancelled it without my permission! Is the whole capital one company a joke or are they trained correctly? I want this fixed!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. There collection companies do not have a contact with my signature.

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 2022-08-03
Company: EQUIFAX, INC.
State: DC
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:
EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXXXXXX XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This morning, XX/XX/2022, at around XXXX Eastern XXXX time, I Received a string of emails from Bank of America, first to " verify email address '' ( I did not respond ), second was that an online application for an account was being processed, I did not apply for any Bank of America product, third email said my application was approved, fourth was a " welcome to online and mobile banking '' message, and finally, a message came confirming that I changed my email address, which I didn't do because I never verified my email address with Bank of America to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: MS
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 XXXX Act # XXXX, XXXX ; XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was appointed XXXX of XXXX XXXX on or about XXXX, 2022. 
XXXX XXXX is XXXX, XXXX XXXX XXXX and was a XXXX of financial exploitation. 
I have served XXXX, where she has XXXX accounts, with XXXX orders from the New York XXXX Supreme Court. XXXX order appoints me guardian with the power to marshal her assets and the second was an Order to Compel them to provide me with the account numbers and statement. 

In a letter dated XX/XX/2022 XXXX acknowledges that it received the court order appointing me guardian back in XXXX, 2022. 

It is now XX/XX/2022 and I am still being told I can not be added to the account. I literally spend hours each day calling to see why there is still a delay. 

The excuse now is because I have to first make an appointment at a branch and only then can my " profile '' be added to the account on the bank side. I can't just walk in, I have to have an appointment and only they can make that appointment for me. I would have to do something different on the brokerage side because they won't accept the orders as compelling evidence that I have legal authority to marshal assets. 

XXXX XXXX is XXXX XXXX XXXX. She needs XXXX care. She needs her rent paid. I do not have the funds to pay for the care that she needs. XXXX to date has only provided me with copies of statements. They give me numbers to call that aren't picked up and where you can't leave a message. 

If XXXX can basically thumb their nose at a court order, then why is it that the federal government continues to grant them operating authority? 

I would really appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, 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:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 2022-08-03
Company: WELLS FARGO & COMPANY
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:
I fell victim to a credit card scam on XX/XX/22. I had just started a new job the week prior, and I got a text from someone purporting to be my boss asking me to go get gift cards for a presentation, that he was in a meeting so he couldn't talk, and I would be reimbursed by my employer. Because he was using them for a presentation, he needed me to send him pictures of the gift cards. He made the request sound very urgent. Without a second thought I was on my way to purchase these gift cards, I didn't want to make a bad impression on my boss. First, I went to XXXX XXXX and purchased {$600.00} for XXXX XXXX ( XXXX {$500.00}, XXXX  {$100.00} purchase ) and {$600.00} for XXXX ( XXXX {$500.00}, XXXX  {$100.00} purchase ). XXXX XXXX total : {$1200.00}. I started to get suspicious when he asked me to go to a second store. He would always text back really fast or repeat text if I didn't answer immediately, not giving me a moment to think. I went to XXXX and got {$800.00} for XXXX ( XXXX {$200.00}, XXXX {$100.00} ). He wanted me to get more from the XXXX, but the system locked me out. XXXX total : {$800.00}. Thats when I fully realized it was a scam. He wanted me to go to a third store. that's when I called the office and confirmed I was not texting with my boss. I told him I couldn't get more and needed to get back to the office, he was insisting I get {$200.00} more. As soon as I got back to work, I disputed the transactions with the bank and made a police report. Since I was still communicating with the person via text, I called the Police 's nonemergency line, but it wasn't being staffed. I filed a report online. I called the number I was texting but it was a XXXX number. Grand total : {$2000.00}. 

Wells Fargo is holding me responsible for the {$2000.00} that was stolen from me because I was a victim of a gift card scam. They " can not '' do anything because the merchants denied the dispute because I made the purchases, and because there are no funds left on the gift cards. Of course there are no funds left, it's a SCAM.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: PA
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 Account # XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-09-30
Company: American Credit Acceptance, LLC
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:
Ally financial is falsely reporting inquiries made in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a customer with Td bank for many years. This last year to year and a half I have had to cancel my debit card numerous occasions because of fraud. On the XXXX of XXXX I noticed XXXX charges thay I did not make and I reported it and I was given provisional credit. I was then told that because after my card was closed the scammers didn't try to use it again that they took my money back. Last week Monday my husband had over {$5000.00} scammed on his card and has reported it right away and they once again canceled both of our cards and scammers have tried to use his since it has been closed as well. However it has been XXXX business days and they will not give us our money back or any type of answer on anything. XXXX basically owes me over {$6000.00} as there is proof the places are scams. Someone please help me. We can't even male our bulls now because we were first scammed by someone and now by Td bank. Myself amd my husband has called everyday to try to get resolution. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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 have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: MASON MCDUFFIE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with Mason Mcduffie mortgage corporation. In XXXX we received a notice saying that are loan will get transferred and theyll let us know more when it does. We never received a servicing transfer notice that tells us it has been transferred and to whom are payments will be going to. So we kept sending our payments to mason mcduffie and the money was taken out of our accounts. We then got a notice from a collection agency months later. We now have several late payment fees and a payment that doesnt show. We are in the process of sending XXXX  ( new servicing company ) proof of payment. But they will only credit one late fee. Which is unacceptable. We are never late on payment. And now Im afraid this affected our credit also. There were several phone calls with mason mcduffie about payments made to them and not once was it mentioned were sending the mortgage payment to the wrong place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: GA
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPARTMENT 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 2022-09-30
Company: Incomm Holdings Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased {$25.00} vanilla gift card and tried to check balance and site said invalid card. I called customer service and they said my card was locked due to potential fraud and they would have to send me another card in the mail taking 7-10 days! How can they lock my card right after the purchase of it? I think they are doing this to hold your money longer ( draw interest of your purchase ) without you being able to spend your balance. Im sure they are doing this to slot of people! Please do something! Thanks

Company response to consumer: Closed with explanation