BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-08-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There are 2 major issues happening with Fifth Third Bank. 1. ) I was scammed out of {$1500.00} on XXXX XXXX. On XX/XX/XXXX I had hired and paid a company that was verified on XXXX to move furniture from my house to a storage unit. I didnt receive the service. After hours speaking with representatives & a denied dispute, I am still out of the money. I was scammed. What bank doesnt protect their costumers. I am now reopening ANOTHER dispute because they want me to prove I didnt receive the service. How do I prove that? Send a photo of the empty storage unit?! XXXX. ) Today, XX/XX/XXXX, I sent a XXXX transaction to my fianc for {$500.00}. The money was immediately removed from my account and I received a confirmation that the money was sent to my fianc. She was notified and she accepted the payment. She then got notice that THE BANK cancelled the transaction. I called my bank & asked where my money went? They told me I was out of luck basically and that they did not know where my money was. They offered to dispute it but told me it would be 45 days to even potentially receive a credit for the money. In less than 1 month I am out {$2000.00} because Fifth Third Bank is so incompetent they cant even see straight. They refuse to help me, they continuously deny my disputes. As soon as I get my money back, I am leaving the bank and never returning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To Whom it May Concern, I am trying to close out a savings account with BB & T Bank ( Now Truist Bank ) I submitted my request by mail about 3 weeks ago. I received a letter back from Truist bank advising me to call Customer Service to update my new mailing address.

After calling CS I was advised that I needed to go to a branch to update my address. 
I went to the Truist Bank in XXXX GA, and was told me that I needed to make an appointment after waiting almost 90 minutes. 
I made an appointment at the XXXX GA branch since XXXX had nothing available for almost 4 days. 
I went to my appointment at the XXXX location on XX/XX/XXXX and to my dismay they only had 2 tellers, and 1 person assisting customers with appointments. My appointment was scheduled for XXXX and there were people still waiting for their appointment prior to me. I was on my lunch break an was unable to wait after waiting an hour. 
its absolutely absurd that I am unable to get help with this issue and keep getting shuffled around by everyone that is supposed to be helping me. 


Old Address : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX New Address : XXXX XXXX XXXX XXXX XXXX, GA 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 13th 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 an alleged fraud or extortion. 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 2023-08-18
Company: EQUIFAX, 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
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 reporting credit act XXXX  XXXX  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 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.

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 2022-09-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Our business deposited checks into Santander Bank 's ATM in XXXX XXXX We discovered during an audit that Santander shorted us over {$1100.00} in deposits, as in, we deposited 12 different checks and Santander reduced how much we received due to an error to their ATMs. 

When approached they acknowledge their ATMs have a 3rd party company service them, and they did not catch these errors in any of their audits. Now they are refusing to credit us the missing funds on some of those checks. We earned the money, we were paid the money, we deposited the money and Santander did not correctly credit our account with that money. 

During our dealings they told us they were not responsible because we did not catch the mistake ourselves. Additionally they told us we would need to contact the issuer on our own, our customer, to recover these funds. Over a mistake their machines and their lack of oversight made.

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 2022-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22 a XXXX money transfer was made from my checking account to a XXXX XXXX for the amount of {$480.00}. On the same day I reported it to my bank that I never authorized this transfer and I dont know who the recipient is. 

Wells Fargo immediately closed all of my online access and closed the checking account. 3 days later I called to see the status and was issued a new checking account number. They told me they would be investigating the transfer. 

On XX/XX/22 I received a letter stating they finished their investigation and the claim has been closed. No reimbursement to my account was made. Follow receiving this letter, I called the claims center and spoke with XXXX from Wells Fargo, he would not give his ID number. After 30 minutes of getting no where, I asked to speak with his manager. I was put on hold for 15minutes. And was told he couldnt transfer me, but would transfer me to resolution dept. After 15minutes of holding, the line discounted. I call a gain, and then spoke with XXXX # XXXX from Wells Fargo. After she reviewed my claim, I was told to submit an incident report or police report. I explained that I have no documentation, except what I have already explained to them. I have no such documentation to prove it was not me who did this online transaction. I have no information to file a police 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 2022-07-29
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX and XXXX XXXX has a fixed rate mortgage loan with United Wholesale Mortgage ( UWM ). Our mortgage payment was {$10000.00} since inception. In XXXX of this year, UWM sent me an email that they were completing an escrow analysis as the loan payment includes property taxes and homeowners insurance. The results of the analysis was that due to my homeowners insurance increasing, my loan payment was going up to {$10000.00}. The homeowners insurance changed from an annual fee of {$1000.00} to {$3100.00}. This {$2000.00} increase amortized over twelve months should have resulted in a payment increase of {$170.00}. UMW increased my loan payment by {$660.00} to {$10000.00}. Since XXXX of this year, I have reached out to UWM five times in an attempt to correct this error. I've asked for another escrow analysis after I confirmed that my property taxes did not change. UWM has not responded. I have asked to take my homeowners insurance out of escrow so that I could pay it myself and they responded that due to the terms on the loan, i could not pay my own insurance. The dates that I reached out to them are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like my loan payment reduced to {$10000.00} or be allowed to take my homeowners insurance out of escrow and pay it myself and keep the payment at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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 XXXX  Account Name XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Rent Recovery Solutions
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They keep reporting on my credit and I do know owe them anything they will not verify the debt the they say I owe. And I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
An auto accident that occurred at a red light on XX/XX/2021. It is claimed I owe damages for the amount of over {$4000.00}. This accident that has been claimed against me had a police report on the scene that noted that NO DAMAGES WERE MADE for this accident. On the police report I have in my possession along with pictures of both my vehicle and the other partys vehicle show no damages on her vehicle. This claim brought against me shows parts and items of this vehicle that mine didnt make any contact that she had gotten fixed and is trying to sabotage/blackmail me into paying for. I have a lawyer for this matter and have sent many dispute forms to AFNI subrogation claims department stating they in violation of my rights and for not proving the debt I owe is caused by the accident that occurred on the date of XX/XX/2021. My vehicle bumped her hitch on the back of the other partys SUV and left no damage at all. Nobody was hurt. The officers told us to go our separate ways. I will not be paying for damages claimed against me that are separate from her own vehicle maintenance needed to be fixed. It was 2 full months after the accident that the other party decided to go get her vehicle fixed and due to the nature of the weather she may of been involved with a different accident or struck an object due to the snow/sleet/rain conditions. I have all my documents to fight this and have already filed many dispute forms for this occurrence. Please give me a call at XXXX or email me @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with the company stated below 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 JPMCB CARD  XX/XX/XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX JPMCB CARD inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditors above is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

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 2022-12-05
Company: LEXISNEXIS
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:
Please be advised I am not disputing the accuracy of the public record. I want the public record deleted because the FCRA Laws not being followed by these companies below. In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( Lexis Nexis Risk Solutions ) ( XXXX  ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy. 2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( XXXX XXXX  included in the Bankruptcy Act ). Please see attached companies who violated the law and them explaining how they broke the laws. In addition, I have attached XXXX, the database where my personal information was obtained from. XXXX stated that don't share personal information to third parties. Lexis Nexis and XXXX  are Third parties. You are committing fraud and Infringing my privacy Under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and Dept of ED have fraudulent accounts on my credit profile that need to be removed immediately.

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 2022-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Bank a Walmart credit card. Has repeatedly added an interest fee on my monthly statements. Despite there being no causation to do so. 

When I contact their representatives. And have them review my account. They remove it. 

I XXXX out my account monthly. And I have NEVER been late on a payment! 

Though it is a small fee on $ XXXX. If each consumer is billed this fee. In this way. 

It could prove to be millions. I refuse to pay this. And I should not need to defend my payment history. For random added fees tri-monthly!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX - different companies use my account toXXXX  ( companies under name ofXXXX, XXXX XXXX, and XXXX XXXX XXXX ) an CHASE- make a transaction through XXXX CHASE another account- make a withdrawal of XXXX in XXXX, Texas CREDIT REPORT - Applied for two different credit cards ( XXXX-XXXX XXXX on XX/XX/2022, and XXXX XXXX XXXX  on XX/XX/2022 XXXX they both appear as an inquiry on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account Name XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Monday XX/XX/2022. I received two alerts from Bank of America about an attempted login to my mobile banking. The first alert I did not respond to due to, being at work. The second alert is where I responded that it was not me who authorized this login. Therefore they sent me a phone number to contact to reset my ID and Passcode for my mobile banking. After I did this everything was fine. Then a few days later on Friday, I tried to log into my mobile banking but was not able to and was directed to call BofA. Which I did and was then transferred to the fraud department which is where I was placed on hold for over an hour! Only to not be helped by anyone due to them hanging up on me because it was closing time. So I call the next day Saturday XX/XX/XXXX and again I was on hold for XXXX and XXXX. Finally when I got someone on the phone the lady that was assisting me, was not only no help at all with my situation! She went even further to go and start insinuating that I was lying as to who I was as well as to blame me for getting my mobile banking compromised. After she blamed me for something I had no control of she then stated that all my accounts are now closed due to this fraudulent activity which I find is not far due to my long great standing history with this bank, and the fact that I wasnt given any help or choices to prove my identity/validation that these are my accounts. Nor did the lady on the phone make me feel as though I was being protected. All she did for me was recommended me to open a new account with another bank. But yet no information as to whats going to happen with my current money in my checking accounts and had no sympathy when I had informed her as to what am I supposed to do with no money for 2 weeks. It is completely ridiculous how this bank handles fraudulent activity.

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 monetary relief