BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
checking account name XXXX checking number XXXX was opened on XX/XX/XXXX my  employer XXXX XXXX company send me a check funding for equipment purchase for {$4900.00} deposited on XX/XX/XXXX at Suntrust Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX on XX/XX/XXXX item was returned and overdraft fees applied {$36.00}, I had a balance inquiry fee of {$3.00} added to {$36.00} give me an overdraft total of {$39.00} made of fees only!!! since I received informations from Suntrust bank saying that this account is closed. I protest and strongly disagree as a delay as far 90 days is applied for overdraft payment to any checking account when the customer is in hardship wrongful employers. My name is XXXX XXXX, I went to the branch with all documentation and faced XXXX XXXX XXXX, telling that the account is active with a overdraft fees to cover as soon as possible, but over the phone the customer service employee keep telling me that the account is closed like she has something personal to deal with!

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 2023-10-17
Company: EQUIFAX, INC.
State: SC
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion and XXXX continues to report inaccurate information on DPT EDXXXX Account XXXX XXXX XXXXXXXX XXXX. 

The account is listed multiple times on my consumer report which is damaging my consumer report and causing me to be denied credit. Furthermore the information on the account is not consistent with the other reporting agency which means this account has not been validated properly which means it also can not be verified as accurate. 

This is a violation of FCRA. I have filed a complaint and sent numerous letters to each for account deletion. 

DPT EDXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2017-05-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our issue is with Nationstar Mortgage ...   Company fails to provide timely Monthly statements. constantly find errors in their accounting and escrow obligation and the latest which is why we are reporting them ... we notice they had changed our address without us requesting a change or giving them authorization to do so .... So they are sending our Monthly statement to the address of our attorneys ...   which caused a late of payment, which we already paid ... But hold  Nationstar li able for the negligence, constant errors, and not following Mortgage regulations.     We ask the CFPB to look into this company as we have several mortgages with them and this is not the only account we are noticing issues. As well as we notice the same pattern   XXXX   XXXX   XXXX   XXXX   XXXX   is being sued for .... And feel Nationstar should be reprimand before they continue to cause harm to the public ... Just like  XXXX  has already done ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: LA
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 told the Experian, XXXX, and XXXX to reinvestigate this alleged collection account : Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How XXXX the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-11-12
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XX/XX/2022, I received a text message from AAdvantage Aviator World Mastercard ( Barclays ) automated fraud alert system that a potentially fraudulent charge of {$470.00} was being made on my card ending XXXX by XXXX. I responded to the alert in agreement that the charge was not valid and indeed fraudulent. Despite my verification of fraud, XXXX allowed the charge to go through. After I called XXXX, the charge was removed from my account, my card was replaced, and an investigation was allegedly conducted by XXXX. A couple weeks later, I received a letter from AAdvantage Aviator World Mastercard stating that the investigation was completed, and the conclusion was that the charge was valid and I was being re-charged the full amount. The reason, XXXX said, was that XXXX verified that a package from a " XXXX XXXX '' was sent to my address related to the charge and therefore the charge was valid! 

The fact is I did receive a package from a " XXXX XXXX, '' a strange manilla envelope filled with random magazine pages addressed to me and sent via USPS signature tracking. it was received by the XXXX store where I have a XXXX XXXX XXXX XXXX verified my real account and that I have never ordered anything from a " XXXX XXXX '' and I have never added credit card ending in XXXX to my POSHMARK account. Someone, probably " XXXX XXXX, '' created a fraudulent account in my name and shipped me an envelope full of garbage. In my last correspondence, XXXX responded Thank you for your email. We apologize for this alarming experience. At this time we have restricted and removed all the information from this account. Please reach out to your bank for more information regarding this compromised payment method. My real account with XXXX, by the way, is still open and active. 

I sent this information, by letter, to AAdvantage Aviator World Mastercard ( Barclays ), as XXXX advised, and XXXX stated that XXXX has still not reached out to XXXX to confirm that the charge was fraudulent. The charge is still on my credit card and will remain there until XXXX confirms the fraud. 

Neither XXXX nor XXXX will take responsibility for allowing this fraud to happen and I am stuck between the two, each telling me to talk to the other.

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 2023-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citizens bank froze my online access on or around XX/XX/2023. I received a letter stating that my accounts were closed but funds would not be issued until XX/XX/2023, this sizsure and delay of the availability of funds is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I sent out a letter to all 3 credit bureaus ( TransUnion, XXXX, XXXX ) about them reporting several inaccurate names and addresses. I received a response from TransUnion on XX/XX/2022 that had an issue date of XX/XX/2022 acknowledging the receipt of my letter but questioning if I had sent the letter or had help. I decided to call of 3 on XX/XX/2022 to request that the incorrect names and addresses be removed. TransUnion said they removed all incorrect names and addresses. XXXX said they removed all incorrect names and addresses. When I called XXXX, I spoke with a representative XXXX stated to me " Though you say that name is not yours it is being reported by a creditor and therefore we can not remove that name. '' I stated, " but it's not my name '' and he reiterated that he can not remove the incorrect name. After going back n forth for 10 minutes I asked if I could speak with his supervisor. He continued to insult me and tell me I don't know my laws and refused to put a supervisor on the phone before asking me to hold and then hanging up after placing me on hold.

According to 15 USC 1681s-2, reporting information that a consumer reporting agency is aware is inaccurate after notice by consumer that the information is inaccurate violates consumer rights and therefore XXXX is not in compliance.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. 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 2023-07-25
Company: EQUIFAX, INC.
State: FL
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didnt receive an itemized bill an my information was given to a 3 party debt collector with out my approval

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
This is XXXX XXXX and I am submitting this CFPB= complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$270.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX XXXX : {$7500.00} XXXX XXXX XXXXXXXX Balance Owed : {$54.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-09-10
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Global client solutions of XXXX XXXX has been taking automatic payments from my checking account to pay towards 2 payday loans. To date nothing has been paid towards my accounts & I can not reach GCS to either get my money refunded or see why they are not establishing a payment program with these 2 payday loan companies. I think theyve collected about XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was at the Wells and Fargo Bank on XXXX XXXX XXXX XXXX in XXXX, Virginia XXXX on XXXX XXXX. I went in to withdraw {$10000.00} in a cashier 's check out of my joint account. The teller told me she did not feel comfortable releasing the funds to me. But she did not give me a reason. She threatened to call the police and have me escorted out. I have all of this on my video, because I was surprised that this was happening.She called the joint account holder later and was told by the joint account holder not to release the funds to me. I feel this was discrimination because she had no reason to feel uncomfortable and she did not follow wells and fargo withdrawal procedures. She was not supposed to call the joint owner when we both had equal rights to the account especially when the funds were available. I contacted the Federal Reserve and put in a complaint but they said Wells and Fargo is not a reserve bank. The people involved at this branch were a teller named XXXX, bank manager named XXXX XXXX, and Ms. XXXX I believe.

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 2022-12-30
Company: Atlanticus Services Corporation
State: OH
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:
XX/XX/2022 XXXX/ASPIRE account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation