BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-12
Company: DISCOVER BANK
State: MI
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam, I would like to file a complaint about Discover Bank regarding a missing transaction. 

On XXXX XXXX, 2016. I authorize Discover Bank to draw XXXX dollars from my XXXX account and XXXX did debit this money to Discover Bank. However, after it received the money, the Discover Bank reverse this ACH transaction to XXXX on XXXX XXXX, then, the fund is missing. XXXX have never received it. And Discover Bank claim the fund is no longer in their side and do not want to take responsibility at all. 

I have call Discover Bank several times and even have a three way phone call with Discover Band and XXXX on XXXX 2016 from XXXX XXXX to XXXX XXXX. During that three hour phone call, they check everything, and the conclusion is that the Discover Bank Claim they either never receive the money from XXXX or have returned the money to XXXX, and XXXX claim they did send the money to Discover Bank ( the fund send on XXXX XXXX and clear on XXXX XXXX ). 

As a result, the fund is missing, and either of them want to take responsibility for clients. 

As a personal view, I do believe in XXXX and believe Discover Bank XXXX lie to clients. 

I have all the documents to prove my statements, including the letter that Discover Bank sent to me saying they have returned the XXXX, 2016 ACH fund to external bank ( XXXX ). And I have XXXX 's confirmation number of the initial deposit to Discover Bank. I will attach those information to CFPB to better support the investigation. 

Thank you very much for reviewing my case, Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: AZ
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 Data 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 2023-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, Equifax and XXXX were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX NA Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The company is reporting outdated information. my criminal history is clear. A recent search would reveal that.

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 2023-04-06
Company: EQUIFAX, INC.
State: LA
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: Other problem getting your report or credit score

Complaint:
For the last year and 2 months my Equifax Credit Account has been blank with no resolution. I have called and fax Equifax in regards to this because I can't do anything with my life credit wise. I first discovered this in XXXX of 2022 when I tried to pull my 3 credit bureau FICO scores, I soon realized that I all my accounts in Equifax had vanished. When I log on to Equifax website I currently have no revolving accounts, mortgage accounts, installment accounts, no public records, collections, or inquiries. My entire credit profile is gone and I can't move forward with attempting to purchase a home or anything on the sort. I'm not sure how this happen and really need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I sent the following message to XXXX : My account number is XXXX. I requested wire transfers on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, I was charged {XXXX}, but the wire did not go through the same day : Why was I charged all that money, if the transfers did not happen as fast as they were supposed to? I demand a refund. XXXX XXXX XXXX Afterwards, by email and phone, I was contacted by and communicated with XXXX XXXX and XXXX XXXX from Client Care Executive Response Team, to no avail. The last one claimed, for example, that one of the transactions took place after XXXX XXXX, when the bank was really closed and I could not have been there.

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 2017-05-09
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello.     I sold the following home ( address:   XXXX   XXXX   XXXX     ,   XXXX   ,  FL  XXXX  ) last year  (     XXXX     2016 ).  My mortgage service provider ( Seterus, loan #  XXXX  ) has not updated the credit reporting agencies with this information and this outdated loan information is now impacting my ability to refinance my current home.      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 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is violating my right to privacy. They have updated my account with the name of my private trust. I did not consent to this update. Remove my trust information immediately. My trust is a private separate entity with its own ein. It is not a consumer, nor is my trust involved in any credit transactions.

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 2023-02-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I done filed a complaint and they said I waited to long if you read my last complaint I was in XXXX XXXX for 28 months I had sighn power of attorney to my mom XXXX XXXX and she had went to bank with power of attorney and they denied her with a lawyer had sent me power of attorney papers to prison for me to sighn now once again my money was not in the joint account well it was after she took it out my my my own savings account no one had permission to touch my my my savings account with my name only ok I was in XXXX XXXX XXXX my money got took out my account by XXXX with out my permission and they denied my mom with a sighn and notery power of attorney so I got realised XX/XX/2022 then I went to bank over and over explain wat happened and I can prove I was under state custody in XXXX XXXX XXXX so I was in prison so thats why I did not get in contact with the bank I couldnt so I had my mom with power of attorney papers and they denied her then all sudden my money and bank account was closed and money gone how the XXXX they can get away with that XXXX they saying my money was in joint checking was not until XXXX took it out my savings with only my my my name on it she switched money out my account to the joint account then took it out of joint account and moved it to another account with only her name on it I red wat they said and its all XXXX I put my money in bank to be safe I went to XXXX  served 28 months I can prove that and also my lawyer sent me power of attorney to prison I sent it back with noerized and they denied XXXX XXXX then I get out to try solve this matter and they say I cant get my money back aint fraud insurance for this matter thank u

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 2021-08-02
Company: Experian Information Solutions Inc.
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:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on 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 non-monetary relief
Consumer complaint received 2018-08-14
Company: Kriya Capital, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Alleged Balance Owed : {$52.00} Original Creditor : $ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2022 I received an email informing me that my credit score had changed because of an account with XXXX bank. I have never had a XXXX bank account so I went to a local XXXX. They could not help me because they said this was my account. I was in contact with a bank representative in the legal department who said the information was accurate so no changes were made. After months of that I wrote a letter asking for information used to open the account. Finally in the end of XXXX I received a reply by mail ( letter ) saying in other words the account was not mine. Please remove the information about this account from my credit report including a previous address that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today is XX/XX/2022. On Saturday, XX/XX/2022, I walked inside Regions bank and deposited a check from a settlement I received. The check amount was XXXX. I asked the bank teller specific details regarding the availability and processing of my check funds. The banker printed out a Notice of Hold form that indicated a hold would be placed on my check deposit because it exceeded {$5500.00}. Additionally, the form contained the exact dates and amounts of the check disbursement. The form indicated that on XX/XX/2022, a hold would be released from a portion of the funds in the amount of {$5300.00}. It also indicated that on XX/XX/2022, the hold on the remaining balance would expire. Based on this information, I set up bills/checks to be paid against the {$5300.00} that was supposed to be available today ( XX/XX/2022 ). 
This morning after checking my account I discovered that the {$5300.00} was not deposited as promised. I went to the bank to get a resolution. I spoke with the branch manager who inquired where the check came from. I answered his questions and showed legal documents regarding my settlement. He proceeded to inform me there was nothing else he could do to release the {$5300.00}. When I asked for the reason, he said he didnt know because it was being handled by the back office. When I asked him for the back-office contact information, he said he was the last chain of command I could speak to regarding the matter. I informed him that the misinformation I received regarding the time of disbursement was creating a stressful financial situation for me. He callously showed no regard for my concerns. There was no accountability for why I was given incorrect information about the date my funds would be made available. There was zero explanation as to why my {$5300.00} is not being released in accordance with the Notice of Hold form. I have been a loyal customer to regions bank for over five years. I have never had issues with check bouncing or anything like that. I feel I am being mistreated with unfair and unsavory banking practices. I am considering switching banks after this catastrophe.

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 2023-01-27
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XXXX of XXXX Truist Bank sent a Release of Lean letter along with a free and clear title on a vehicle that we had direct withdrawal payments on. Then in XXXX Truist Bank sent a loan payment letter stating that I have XXXX in outstanding loans with them. During the investigation Truist Bank said that the payments were for a XXXX vehicle that was traded in back in XXXX. Once we advised Truist that the vehicle make/model in their records was for a vehicle that we traded in back in XXXX they then found/updated the vehicle on record to be the XXXX make/model that we have traded in as well as of XX/XX/XXXX after receiving the Telease of Lean letter and free and clear title back in XX/XX/XXXX. Then in XXXX of XXXX Truist Bank sent us additional paperwork stating one again that the loan for the vehicle had been paid off. Now 8 months later Truist Bank is coming at me with a request to pay for a vehicle that I no longer own. I tried to work it out with Truist Bank and even offered to split the difference that they say is owed. Every attempt to ( work ) something out came with the same response, we appreciate the effort on your side but we want every last penny or we will negatively report to the credit bureau. After having the title in hand for 7 months and multiple letters from Truist Bank stating that the vehicle was paid in full we traded the vehicle and entered into a new loan agreement on another vehicle. It is my opinion that Ive tried to bend here and bend there to rectify THEIR mistake but Truist Bank is not bending at all.

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 2021-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, XXXX & XXXX Credit Reporting keep reducing my credit scores without any adverse issues or credit activity. Not more than a few months ago all three agencies had maintained my credit score in excess of XXXX. Most recently XXXX has reduced my credit score to XXXX ; XXXX reduced the score to XXXX while Experian has reduced my score to XXXX from XXXX less than 30 days ago. 

It appears, that unless I take out more credit or buy into their online services they ding my credit score.Other wise I have one of the cleanest credit histories you would find. 

I have contacted Experian and they sluff me off without any explanations. 

Can you please look into this matter at your earliest convenience. 

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 explanation
Consumer complaint received 2018-08-14
Company: LEXISNEXIS
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed multiple bankruptcies on my XXXX, XXXX, and XXXX credit report. The issue that concerns me is LexisNexis. I contacted LexisNexis and told them, they were reporting inaccurate information to XXXX, XXXX, and XXXX. I also asked LexisNexis to place a security freeze on my file. They sent me a letter stating that a security freeze is now in effect as of XX/XX/2018. Also, the security freeze would prevent LexisNexis from releasing my XXXX reports or scores derived from the information therein. On XX/XX/2018 I received a letter from XXXX  stating they verified multiple bankruptcies through LexisNexis once again. even after the security freeze was in place. 

This matter has affected my life in the worst way. I need the CFPB to assist me with this because my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: SYNCHRONY FINANCIAL
State: NM
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:
My spouse received a phone call on XX/XX/2021, from XXXX XXXX XXXX  regarding an application that was submitted under my personal information that they had suspected was fraud due to my spouse and I already have an existing account with them. 
I did verify it was from identity theft. 
I then checked my XXXX XXXX app to check my inquiries to find I had roughly 5 inquiries showing on my report within a 2-week period. Along with letters received in the mail from 2 different banks not noted on my credit report. I have disputed all of the inquiries with each creditor. I have had some inquiries removed. 

XXXX XXXX ( travel & entertainment ) inquiry posted XX/XX/2021 on XXXX-I 've called them at least 2 times. First Representative I spoke to in end of XXXX or early XXXX stated fraud will be noted, and inquiry removed on XXXX. Second Representative stated that fraud was noted and was sent for review. I'm still waiting if they will remove inquiry. 

XXXX XXXX  ( card service ) inquiry posted XX/XX/2021 on XXXX I've spoken to a Representative to notify identity theft. Rep mentioned the account will be closed and the account would be investigated. They haven't removed inquiry from XXXX. 

XXXX XXXX XXXX  inquiry posted XX/XX/2021 on XXXX I've spoken to Representatives on several occasions. Most Reps stated they closed the account and noted it as fraud but couldn't help remove inquiry from my credit report. Stated that I must contact Credit Bureau to have inquiry removed. Whomever stole my identity reported employment with XXXX. I've never worked for such company.

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 2022-03-12
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent all 3 credit bureaus letters about these fraudulent accounts on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Its been over 60 days. XXXX requesting that these accounts to be removed immediately I have uploaded my Id and current address, social security card and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Harris & Harris, Ltd.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication.

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved.

Best, Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation