BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: GreenSky, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
applied for laser loan and was told i would get no interest for 2 years. been making my payments as agreed and i just notcied that theres interest being charged from day one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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 XXXX  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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 XXXX 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 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 non-monetary relief
Consumer complaint received 2017-10-17
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX GOLD KEY CREDIT, INC. {$1300.00} GOLD KEY CREDIT, INC. {$250.00} GOLD KEY CREDIT, INC. {$66.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLD KEY CREDIT, INC. {$1300.00} GOLD KEY CREDIT, INC. {$250.00} GOLD KEY CREDIT, INC. {$66.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the XXXX District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX I went to bank to make changes of POD on a CD. Branch Manager XXXX XXXX assisted me and I signed the electronical signature machine to make the change. I requested a hard copy for my records. He refused to give me one. Because a mistake was made, I had to return to bank on XX/XX/XXXX to sign an addendum to the POD, this time on paper copy. I again asked for a copy for my records and he refused to give it to me. He said I could not have a copy of what I had designated. I insisted I wanted a copy so I would have proof of what I was requesting for my family to be able to handle my affairs at my death. He still refused.

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 2018-06-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I filed disputes online and the credit reporting agency said these were valid inquiries. I called and spoke to a rep on the phone who was not willing to help me on XX/XX/XXXX Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. 


XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX   Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX THE XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX   Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX   Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX   Date Filed XX/XX/XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed 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 explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 will not send a copy of the current information that they have in my regard to the address that they have on file. The same address to which they have sent 3 requests to " provide them with an address ''. See complaint # XXXX-XXXX. Their response to this complaint did not apply to the situation. It was a general response to someone questioning items on a Credit Report. No attempt was made on your behalf to require them to send me a report. The only thing that they did was send another request for " an address '' to the same address that they already have. Please investigate - not just send this complaint to them. 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 2022-06-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
In XXXX I purchased XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, NC. The bank that financed the vehicle was Suntrust Bank XXXX, XXXX XXXX XXXX, XXXX, Va XXXX, phone # XXXX. The problem is that BB & T and Suntrust banks merged to become Truist Bank. In the last part of XXXX, early XX/XX/XXXX two credit lines for {$39000.00} each. The account number with Truist account is XXXX. The account # for Suntrust ends in XXXX. I have two credit lines for {$39000.00} on my XXXX credit report. I contacted the credit bureau by electronic dispute, several times in the last three months, but they keep stating that the creditors are reporting the information correctly each time. Therefore, I went by the XXXX local branch and also two different XXXX, NC branches for them to correct the problem. On XX/XX/XXXX I paid the XXXX XXXX XXXX off, because all the phone calls, all the visiting the local branches was causing me XXXX and XXXX, I also sent a certified usps letter, with details about the accounting error the banks had made on my XXXX credit report. Once I paid the vehicle off, I thought both banks would report to XXXX properly and with the correct accounting information for both errors on XXXX, which created more debt, unnecessarily on my credit which causes other credit problems, debt ratio and false information being reported as accurate. The case number # XXXX for the letter I recieved from Truist Bank, Credit Dispute Department, XXXX XXXX XXXX, XXXX, NC XXXX, dated XXXX. The Truist Bank stated that the two accounts information is being reported correctly and there are no changes necessary. They stated that the information I am disputing was furnished correctly. XXXX as of XXXX is still reporting false information that it appears that the Truist Bank is providing. The bank is wrong and I feel bad, XXXX, and XXXX because I can not get the bank or the XXXXXXXX XXXX XXXX to do the just, proper, or right thing based on the merger and cosumer contract law, and the violation of the law under FCRA and the consumer protection act of USA. I am requesting some results and some correction and some pay, if my case meet the criteria for me to get paid by the bank and the 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 explanation
Consumer complaint received 2021-01-19
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-06-12
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 XXXX XXXX XXXX / 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
All this information as been given to the company many times through their online 'bankmail ' and their call in service. On XX/XX/XXXX I went online to my HSBC account and wired {$50000.00} to a dollar denominated investment account I have with my wife on the XXXX XXXX XXXX. On the form it asked do you want to send $ or GBP and I checked . In late XX/XX/XXXX I get the first statement and it has a deposit of $ XXXX.After checking with my broker to find out why it was {$2000.00} short he said they might have done a double FX. I checked with the interim bank and the account holding bank and they both said they received {$47000.00} dollars. On XX/XX/XXXX I sent my first bankmail request for clarification of the wired amount. I was told I would have to contact the 'wire room ' through their call center. As of this date I have made between 6-8 calls some of which lasted 2 hrs plus. I have never been able to speak directly with the 'wire room ' because they do not take outside calls. Some of the operators were rude and unhelpful but there were 2 who tried very hard to get me an answer. The last one did call me back twice, once to let me know she was still trying ( the wire room never got back to her in the 3 weeks between phone calls ) and the 2nd time to say she and her manager were going to give this to an executive entity that would investigate and get back to me. That was the first week of XX/XX/XXXX. It is now the first of XX/XX/XXXX and I have still heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX RAN MY CREDIT TWICE AND GAVE PERMISSION TO RUN SOLF ONLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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 XXXX 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 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 non-monetary relief
Consumer complaint received 2019-07-29
Company: Resurgence Financial, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Resurgence Financial just recently put a legal hold on my bank accounts after I filed Chapter XXXX bankruptcy a couple years ago absolving the debt which is over XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On or about XX/XX/XXXX, XXXX XXXX ( daugter of my associate ) asked if I would co-sign a student loan so she could continue with her education. I told her I would but I wanted to see the loan terms before agreeing. I gave her my personal info. so that she could fill out an application. I never saw the loan application nor the loan terms. I never signed any documents relating to the loan. I never heard anything about the loan again until XX/XX/XXXX. XXXX indicated my credit may be impacted because she was unable to make the loan payment. I never received anything from XXXX XXXX regarding this loan. I asked XXXX to give me the information regarding this loan, the account number, ect. She never provided me the information. I did my own research, and, sure enough, I was listed as the cosigner ons this loan I made the payment as did not want my credit impacted. I asked Sallie Mae to immediately send me the loan doc. They faxed them to me. I had never seen these documents before. I did not place my signature on the loan application nor did I sign these documents. I went to the police, filed a report and then filed a complaint for fraud with Sallie Mae. I requested Sallie Mae to run the IP address as they would find that my computer nor my location where any computer I owned would not be associated with the signing of the loan application or loan. They have refused to take me off as the cosigner. I have made numerous attempts to contact XXXX XXXX. She has blocked my number as well as blocked me from XXXX The amount originally on this loan was {$28000.00}. This loan was done by electronic signature. Interestingly, both signatures ( hers and allegedly mine ) occurred on the same day, same script. The loan was signed on a Sunday. The only computer I have today as well as at the time was a computer located at my office in XXXX XXXX. I have a law firm and do not work on Sundays. The signature on the loan was never placed by me or with my authority. This case is easily resolved by running an IP address, which, it is my belief, Sallie Mae never even bothered to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
X/XX/17 met with XXXX XXXX of wells Fargo, XXXX XXXX XXXX in XXXX XXXX, IA about overdraft protection I was told I had by their employees when I opened my accounts but had been charged overdrafts and not taken the available money I had in savings to pay for the items instead. he informed me that would n't credit anything to me even when someone else had changed these accounts a year ago and then proceeded to change my accounts again. so every year these wells Fargo employee continue cycling my accounts to make them new accounts that they get credit or money from only to XXXX me in the end but changing things slightly or not giving me everything I had previously. since he did this there has been nothing but problems including well over {$600.00} in overdraft fees, returned check fees, and continues to be insane issues like they tell me my bills are paid and then go back in manually and decline paying my people in turn charging me and getting charged also by my providers on the other side. I got emails from wells Fargo saying they were shutting off my accesses to cards, accounts, access to money by XXXX pay, XXXX pay etc. I called wells Fargo fraud as it says to do since I did n't make these changes and they refused to shut my account down apprx XX/XX/17 and I stopped using the account since then. closed the card associated with that account deposited enough to cover the negative only for them to continue keeping the account open and keep charging me fees and overdrafts of this endless spiral of nothing will stay positive because they keep slamming me with fees. XXXX is now gone like they all do after they make a bunch of money on their customers and his boss lady covered his ads and told me she would n't help me either because they credited 2 overdraft fees from a year ago that were also an issue caused from their end. I ca n't leave them yet cause I need to keep an operating business account but ca n't keep losing all this money to them for nothing. stop the insanity.

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
Consumer complaint received 2019-01-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've had this bluebird account for years and as of late I've had alot of unauthorized us currently found out I was experiencing ID theft after a few months back I checked my XXXX XXXX  and saw things I'd never do or have hotel stays, XXXX which I don't even use and I disputed XXXX in XXXX money returned now it's happening again. Why and how is this possible for someone to hack into or use another identity and how can a client be protected as this is very difficult to figure out returning money, adding money, changing passwords nothing seems to stop the issue I did police report officer said that was good cause during you guys investigation u may come upon a name or any distinguished indepent features, tattoos etc.

Company response to consumer: Closed with explanation