BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday morning,   XXXX   XXXX  , I deposited my paycheck in my suntrust checking account. On Thursday,   XXXX   XXXX  , I received an email from suntrust saying that the check was on hold. I contacted them to find out why and was given multiple conflicting answers. My work researched everything they could to find out what was going on, because as far as they were concerned there was nothing wrong with the check and no reason it should be held. Our accounting reps spoke with their bank, the bank the check was drawn on, and discovered that the check had cleared on   XXXX   XXXX  , the same day that I deposited it. The hold was n't placed until the following day. Bank reps from our company bank contacted suntrust but suntrust refused to release the hold. I also contacte d SunTrust, many times, and so did my payroll department. They refuse to release the hold. The check has already cleared, it cleared immediately. Suntrust has taken my  paycheck and the funds they received from it and they have stolen them from me. All attempts to communicate with them have failed and despite the fact that the funds have cleared, they are still refusing to release them.

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 2023-07-25
Company: EQUIFAX, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start this a new job that these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MO
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:
On XXXX XXXX sent me this letter, ( included here ). I've sent this SAME letter to Experian twice before. This shows them that an account is on my report that is not mine. XXXX  CAN NOT locate an account that is mine in their database!!! 
I can not send them VIN numbers, contracts As I DO NOT HAVE THEM!! This is not my 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 explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-11-04
Company: DISCOVER BANK
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt..so why is income being reported on my consumer report? I know that a 1099-C had to be filed, and I never received a copy of it. 

Violations noted in my letter ( see attachment that was mailed XX/XX/2022 without response from the company ) : 15 USC 1601 ( a ) 15 USC 1602 ( k ).

15 USC 1602 ( p ).

15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX XX/XX/2021 This account was the result of identity theft I did not authorize this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Upgrade, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had a XXXX XXXX send me a loan offer from Universal Credit. He sent me a form to fill out with my personal information and banking information to finish the loan paperwork. I felt something wasnt right because of the way he wanted to deposit the money. So, I called another number for the company and they told me that wasnt their process. So, this XXXX XXXX has my XXXX and my banking information. I spoke with the bank and they have put a hold on the account till in the morning to close out the account. XXXX XXXX had documents that looked exactly like the loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent INQUIRIES XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2017-05-15
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was prequalified for a mortgage iao $  XXXX  with   Pen Fed Credit Union   on  XXXX / XXXX / 17  I then submitted all my financial documents, and was " Approved '' to purchase a home iao $  XXXX .     After getting the inspection, appraisal, title, insurance I was told the  UW made a mistake and denied.       Multiple Pen Fed e mployees advised me both verbally and in writing that a n UW  had reviewed the file and there were no issues.     I can understand this issue not being addressed during the Pre-qualification stage, however I submitted ALL m y Income & Asset d oc 's to PenFed on  XXXX , it too k 2  weeks to determine the loan did not qualify??     In addition, Title work, Inspections, Appraisal,  Home Owners Insurance have all been completed ... we   were set to close  XXXX . Not to mention my lease expires this month, so  I may  be potentially homeless ... .hopefully my landlord did not lease my apartment.     I can certainly understand guidelines, policies and procedures. However, the # 1 question I have is, why are we just now having this conversation?? The typical mortgage transaction should take roughly 30 days or less in a perfect world ... surely your underwriting staff is not waiting until da y 14 to  rev iew Income? ? There definitely was no delay on my end, I had all doc 's uploaded usually w ith in 24hrs .     After bein g a PenFed m ember for  9yrs I certa inly did not expect that this would be my experience, especially considering this bein g one of  the most important financial decisions of my life. I was misinformed and miseducated the entire process.

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 2022-11-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX & XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-11-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 
15 USC 1681 Section 602.A states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dealing with TransUnion for the past 11 months has been a nightmare. They refuse to remove fraudulent inquiries. On XX/XX/XXXX, someone tried to apply for a XXXX XXXX card using my information, however XXXX XXXX has no record of my social security number being used to apply for an account. This leads me to believe that someone possibly has the last four digits of my SSN and is attempting to make up the rest, as Ive read in forums online. I am a current XXXX XXXX customer with 3 separate open accounts. I did not attempt to apply for another account on XX/XX/XXXX. The second inquiry comes from XXXX XXXX on XX/XX/XXXX. Again, someone was attempting to open an account using my information. This was reaffirmed recently when I received a notification from XXXX that someone created a new online account with them. This happened last month. In XXXX, I submitted several rental applications. Perhaps a specific property manager, whom I filed a discrimination complaint against, is the cause of all of this. I can not prove it, however.

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 2023-07-26
Company: Todd, Bremer & Lawson, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im just being informed that Im in debt Im a independent and first generation college student so it has been hard for me sometimes to pay my dues but recently back in XXXX I gave old XXXX XXXX  {$1300.00} that I owed and out of nowhere I got charged for another fee I have not been getting no warnings no communication no email just more fees again currently I got charged with {$520.00} fee with no warning..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: IN
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Diversified Consultants, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phone calls trying to collect {$250.00} throug h Diversified Consultants  at  XXXX  for  XXXX   XXXX .   I pay my bill by automatic withdrawal each month and do not have a balance. I informed  XXXX   XXXX  of these calls and they are not aware of this collection agency nor have they contacted a collection agency. I do not owe this money this company is trying to collect.   I believe this is a phone scam to collect personal account numbers in order to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NC
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 appears that my credit file has been compromised. Again, I was going through my records & noticed the new inquiry which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block this inquiry which is found to be opened due to identity theft. The dispute inquiry do not belong to me. Im attaching the required FTC Report for you. Please block/remove this file. XXXX XX/XX/2023 If you feel there is a possibility this inquiry belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiry is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting 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:
Wells Fargo made an unauthorized credit inquiry on XX/XX/XXXX that is being reported on my XXXX credit report. I did not apply for credit with Wells Fargo or otherwise authorize the enquiry. 
I have written to Wells Fargo multiple times. They have acknowledged that the enquiry was not authorized and told me that they have contacted XXXX to have the enquiry removed, but the enquiry is still being reported by XXXX on my credit report as of XX/XX/XXXX. 
The unauthorized enquiry has caused and is causing me harm by lowering my credit score and increasing my costs for credit.

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 2021-08-30
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : XXXX  : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} XXXX  : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} Experian : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}

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 explanation
Consumer complaint received 2022-10-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2022-11-04
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I was issued a check for {$52.00} from Barclays, a refund from interest and fees associated with fraudulent charges on my XXXX XXXX that were finally removed and restoring my balance to {$0.00}. My XXXX statement showed these same fees in the amount of {$52.00} back on my card. When I called Barclays I was assured the charges would be reversed by the next billing cycle. On my XXXX statement, the {$52.00} is still there, along with a late fee of {$29.00} for not paying the erroneous interest fees. I called Barclays again to have the charges removed and was told I would need to go back through the fraud complaint process.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 was a bank merger between XXXX XXXXXXXX XXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX XXXX XXXX. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.

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