BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In ab out XX/XX/XXXX, I opened an acct with SunTrust Bank because Social Security required a bank to do my SSRI into each month. Jumping to XX/XX/XXXX, XXXX cellphone sent its payment to SunTrust, causing my acct to be in a - {$400.00} balance. To clear up that unfortunate situation, an employer sent me as he has attempted to do for 3 months, however, each time , ST ( SunTrust ) kept refusing or delaying acceptances of the job 's payment to me for expenses to do the 2 week. 

Suddenly, on XXXX XXXX, I wanted to correct the incorrect acct number showing on my mobile account. I called ST and then was told that ST is closing my account, BUT it will not tell me anything about WHY IT IS BEING CLOSED and I am not allowed to access the funds in the account to go to my job that has been put on hold for 3 months. 

My complaint against SunTrust is that it is holding funds {$4800.00} just like XXXX AND XXXX  XXXX  HAVE DONE OVER 2 YEARS, totalling {$20000.00} + {$4800.00} and my bills are not paid because XXXX, XXXX, and now ST are holding my money. 

Can your agency prosecute these and hundreds of other financial banks to demand return to me of my nearly {$25000.00} in illegally held accts. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my account with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 

I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my account has not only affected my ability to use the services promptly but has also resulted in [ mention any specific consequences or difficulties you have faced as a result. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframefrom the date of this letter, I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NC
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:
There are fraudulent inquiries listed on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have contacted XXXX XXXX XXXX XXXX and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2016 with a Balance of {$1300.00}. Other than been fraudulent, the bank is still reporting a balance of {$1300.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.

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 2024-01-02
Company:  Lippman Recupero, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX of LIPPMAN RECUPERO , LLC, an XXXX XXXX with ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX by way of approved actions by himself and/or his employees, contacted me using US mail . The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated. The creation of an account in my name without my prior approval nor consent constitutes identity theft and prima facia evidence of conspiring to violate the Gramm-Leach Bliley Act. This type of action of creating false belief in me that I am indebted to LIPPMAN RECUPERO , LLC is also addressed in Presidential Executive Order 13903 XXXX XXXX. Pursuant to www.state.gov website, U.S. & International Law describe this compelled service using a number of different terms, including INVOLUNTARY SERVITUDE, DEBT BONDAGE, or FORCED labor. XXXX XXXX can include, BUT DOES NOT REQUIRE, movement. XXXX profit at the expense of their victims by compelling them to perform labor. XXXX XXXX XXXX on behalf of LIPPMAN RECUPERO , LLC has acted in Bad Faith with Unclean Hands in hopes of unjust enrichment by my demise. On XX/XX/2023 I spoke with XXXX, which he confirmed that LR, LLC has my Full SSN & DOB. He asked if I wanted to make payment arrangements, I told him no, I will be suing. I asked him to place a Cease & Desist on my account, he replied by stating He has placed a DO NOT CALL on the file. I filed an FTC complaint addressing the identify theft being committed by XXXX XXXX XXXX firm creating an account in their books without my consent nor by way of a valid agreement between us as well as addressing them having my information ; being my FULL social security number, Date of Birth, Address and if LIPPMAN RECUPERO , LLC has my bank statements, my shopping habits, location of where I shop, etc; which is ALL nonpublic personal information according to the Gramm-Leach Bliley Act. LIPPMAN RECUPERO , LLC knowingly participated and conspired to fraudulently collect on my extension of credit ; this is a violation under Title 18 894.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: In progress
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I reached out to XXXX XXXX in regards to dispute this alleged debt. The rep I spoke with said the company mailed verification last XX/XX/XXXX to an address I know longer live at and have not lived there for over 12 years. This third party debt collector said they received my information from XXXX XXXX without my permission knowledge or consent. XXXX XXXX is in direct violation of the FDCPA. An agent said this is the first contact they have with me about this alleged debt. According to the FDCPA XXXX has 5 Days to send validation of this debt. The agent for XXXX did not ask for an updated address the agent also hung up on me and told me to call back in a few days to dispute it. This company is reporting on an ALLEGED DEBT THAT NEVER BEEN VERIFIED. I ask that you take this off my credit report. I called XXXX to give them permission to respond to CFPB complaint. The only thing XXXX was interested in while on the phone was collecting not verifying any information. The credit reporting agencies are now in direct violation of the FCRA. This is a private matter between myself and XXXX XXXX. In compliance with the FCRA you must verify all accounts to be true. Excuse me but this third party debt collector do note have my correct address or phone number to contact me to verify/validate this debt. I only was made aware from checking my credit report. According to the FCRA I must be notified in writing to opt out of negative reporting and I did not receive any notice to opt out. This account is causing me a great deal of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 I report XXXX transactions suspicious from my checking account from Bank of America XXXX XXXX CA # XXXX filled fraud # XXXX total {$1600.00} Bank close my claim whit no consideration they refuse to give credit my account is negative- {$160.00} I call several times to fraud department but they dont answer any cuestin, my situation is terrible, I never made the transaction never authorized the Company 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 monetary relief
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX XXXX TransUnion added a collection account XXXX XXXX XXXX which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately.

In Addition they have violated the Fair Debt Collection Practices Act as well.

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 2023-11-28
Company: Paycheck Solutions llc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I got a loan from Paycheck Solutions and I've been struggling to get them paid due to not getting all of my hours. I previously requested for them to stop calling my job because I was getting in trouble. The calls stopped for a few months and about 2 weeks ago, I got an email from another employee that someone from Paycheck Solutions had called wanting to speak with me. At that time, I sent an email advising them again to stop calling my job and I received a response that they would continue to call until the account was paid. I advised that if they called again to my place of employment, I would report them. I received 2 calls from them yesterday XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions 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:
Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ].

I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. 

Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. 

Thank you. 

Enclosures.

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 2023-07-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Internal reference number XXXX XXXX. 

Contacted me via letter to inform me of a PayPal credit card debt. 
XXXX previously known as XXXX Opened on or around XX/XX/XXXX. 
Last Payment XX/XX/XXXX. 
Charged off XX/XX/XXXX, and been transferred to them from Synchrony Bank located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. 

I contacted them via telephone to inquire about a collection account on my credit report for this PayPal credit card I had never requested or applied for. Upon speaking with the representative I learned the address used to apply for this credit card was one I had occupied in XXXX. I have lived in Florida since XX/XX/XXXX. 

The only help offered by them was to send me a Synchrony Bank Fraud Investigation Form. I filled it out and submitted it back to them. I also filed a police report for ID theft with my local police department and submitted the name of the detective and gave my permission for them to communicate with the detective about my credit. 

Their " investigation '' consisted of a form letter with the same information I received in their initial correspondence informing me of the debt owed. 

I then disputed the debt owed and requested copies of proof I owed the debt, a copy of the original contract I signed with Synchrony Bank. I also requested that they remove this invalidated debt from my credit report. 

They never responded to any of my letters but they did remove the item from my credit report. 

The complaint is now they have knowingly transferred ( sold ) or hired another credit collection company that has been disputed and removed from my credit report. 
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

I will submit copies of the letters sent to XXXX XXXX XXXX as well as the tracking numbers for all correspondence I had with them in 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 2021-10-22
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Chase routinely violates the law on disputes and fails to : 1 ) Perform an investigation and provide documentation - no documentation or evidence that any investigation or review was performed has been provided to date.

2 ) Provide a clear explanation of what is owed and why ; provide documentation supporting the validity charge - no documentation and on explanation was provided at all.

3 ) Provide proof of purchase or signed sales receipt - no documentation was provided at all.

4 ) Resolve disputes within 2 billing cycles or 90 days - this charge was 149 days ago.

A specific example is cited in the attachments.

The ONLY information ever provided by Chase is attached and does not satisfy ANY of the four requirements described above. This is their standard operating procedure for virtually all disputes. All communications regarding this issue are either ignored or met with form letters such as the attached that do meet the requirements of the law 's consumer protections ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please refer to my other 2 complaints Suntrust/Truist has yet to live up to their name of being Truist. They continue to violate UDAAP by sending me incorrect statements with incorrect amounts which is also totally different from their website. Truist is deceptive and continues to respond by stating that I filed Bk and not affect CBR that isnt the concern is the deceptive practice of mailing me incorrect account balance past due when they are receiving payments. Their escalation team is a farce specifically XXXX because she doesnt listen, and responds the same way twitch the deceptive response addressing BK and CBR as well as call their BK department the complaint is closed. When I ask how can the complaint be closed she still gives the same response when I mention hiring an attorney for UDAAP she totally disregards that comment and says maam the issue is closed. So I will continue to open complaints while I look for an attorney who will take a UDAAP case since its a violation of Dodd Frank REFORM AND CONSUMER Protection

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