BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-16
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My spouse wrote me a check for XXXX on a business account using my name instead of the business account name. She marked out the address preprinted on the check and wrote in the correct address. I deposited the check via the ATM not realizing it was written to me instead of the business. My wife 's credit union paid the bank as the funds were available. Sun Trust bank flagged the check as fraudulent and began an investigation. I provided all of the appropriate documentation to clear up the mishap, the bank finally cashed the check and closed my business account. The bank has smeared my creditability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-09-11
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a Discover account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. 

Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally.

What certified documents were reviewed to conclude your investigation?

Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation.

What was the cost incurred by your company to obtain the documents needed to complete your investigation?

Please provide proof of your timely procurement of certified documents.

Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party.

Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question.

Provide the date of the commencement of delinquency.

Please provide the specific date on which the items will cease to be reported.

I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I contacted AFNI requesting them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. 

As of date they have not provided me with this information they keep sending me letters only saying that I owe XXXX, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. 

Your assistance in this matter is greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was a victim of identity theft. Bank of America opened a checking account in my name, that someone else initiated and linked it to my active credit card. This account used a fraudulent wire transfer to send the initial deposit and added their contact information to my online banking and alerts. Upon discovering this I contacted BOA to report identity theft. They said they froze the account while it was under investigation, but when I followed up a couple months later, after receiving another checking account statement they said the theft was filed incorrectly and they said they refiled. 7 months later ( and many similar conversations ) and the account is still open, still linked to my real credit card account, and I can not get them to close it or take the email address that is not mine off of 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 2023-02-03
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 2023-02-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Diversified Adjustment Service, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company, Diversified Adjustments, states I owe $ XXXX, which I only found out recently when I saw my credit report. Apparently they've had this account, according to them, for 3 yrs, 8 months. I have never received calls or letters from them that I owe this. I tried to dispute this on my credit report but was unsuccessful. Upon calling Diversified Adjustment today, their primary objective was to get $ out of me instead of explain anything. I tried to explain that XXXX was paid off 100 % when I switched to XXXX XXXX XXXX and was interrupted. I can not work with them at all so I'm writing to you. 

I was told that instead of $ XXXX, they would settle for {$43.00} and take the negative entry off my credit report, which I know is not true. They do not take negative entries off reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CBC Companies, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I want Innovis to mail me a full and complete copy of my Innovis Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNCs appraiser used comps not comparable and gave my house three bedrooms, but my house is being taxed by DC as a four bedrooms. PNC referred me to a person who called once at XXXXXXXX XXXX on a Monday morning and has not picked up a single call since and will not return my messages. My concern is that by undervaluing my home, Im paying more PMI, and that might not even be necessary at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: American Student Assistance
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:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately DEPTEDXXXX XX/XX/XXXX Balance  : {$19000.00} DEPTEDXXXX XXXXXX/XX/XXXX Balance : {$11000.00} DEPTEDXXXX XX/XX/XXXXXXXX Balance : {$16000.00} DEPTEDXXXX XXXXXX/XX/XXXXXXXX Balance : {$420.00} AM STD ASST XXXXXX/XX/XXXXXXXX Balance : {$4800.00} AM STD ASST  XX/XX/XXXXXXXX Balance XXXX {$1800.00}

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 2023-08-05
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: Information belongs to someone else

Complaint:
XX/XX/2023, I informed XXXXXXXX XXXX   by mail that my wife XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I stated there was no estate or money to pay her debt. XXXX XXXX called me on several occasions stating I was a joint owner and responsible for the debt. I disputed the debt and explained I was an Authorized User not a joint owner. In a letter dated XX/XX/2023 XXXX XXXX informed me the credit card account has been been updated. My wife 's name removed and replaced by my name. In reply letter dated XX/XX/2023 I again disputed the debt. I asked for written validation that showed I was joint owner. To date XXXX XXXX has not replied in writing to my concerns or requests. However, XXXXXXXX XXXX did report to credit reporting agencies that I was 60 days over due on payments to the debt without saying the debt was in dispute. My credit score was dropped XXXX points and I was denied credit when I tired to replace my 20 year old furnace and air conditioner. XXXXXXXX XXXX closed my wife 's checking account and placed a hold on {$2500.00} balance in the account. XXXX XXXX never notified me or gave me access to my wife 's checking account. They have a copy of my power of attorney authorizing me access to my wife 's financial accounts. XXXXXXXX XXXX is still calling me to the point of harassment.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Double overdraft fees to my account and i have overdraft protection added 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 monetary relief
Consumer complaint received 2019-08-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection was listed on my credit report from Fair Collections and Out on XX/XX/2019. This company did not send me a dunning letter or any type of communication to give me an opportunity to dispute the validity of this so called debt. The amount listed does not coincide with any amounts that I may owe.

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 2016-12-06
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loans are being managed by FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency. ) I am currently repaying my loans via the Income Based Repayment plan under which the payment due date was preset by FedLoan Servicing ( unbeknownst to me ). I have attempted to change my due date twice over the past 6 months and have been denied under the grounds that a borrower under the Income Driven Repayment Plan can not request a new due date until they re-certify the following year. I have been unable to find this stated anywhere on the FedLoan Servicing website, nor was it stated in the document that was sent to me titled " Information Regarding Your Student Loan. '' I have requested on multiple occasions via telephone that the information regarding the denial of due date change based on my current payment plan be provided in writing, but FedLoan Servicing has failed to provide this to me in a timely manner. I am due to re-certify my loans next month, and I am not confident in FedLoan Service 's ability to complete my application and request for a new due date properly. Below is the information from the Frequently asked question section of the FedLoan Servicing Website regarding the question " Can I change my due date? '' -- As the FedLoan website states " You can change your due date if your account is not past due. However, we can not change your due date before you make at least one payment toward your loans. If you are entering repayment for the first time, please make your first payment as scheduled before requesting a new due date. '' -- - I feel that FedLoan Servicing is misleading its borrowers and I request that they provide me with all the necessary supporting information and obvious limitations of the Income Driven Plan that I am currently enrolled in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Netspend Corporation
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged excessively for the same reason after XXXX lock when I received my new card there was only {$8.00} someone is using my personal information and XXXX. On the dark web my social security number. Someone is collecting information XXXX XXXX  sending me new with no reimbursement netspend is Ive made a purchase to XXXX that when it all begin XXXX has my account and secure something XX/XX/2022 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 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA

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 2017-02-01
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out a private student loan from XXXX XXXX XXXX in XXXX for {$10000.00}. I started making payments on XXXX/XXXX/XXXX 6 months after my graduation date. Since then I 've made at least 60 payments over the minimum payment, in addition to paying the minimum payments. As of now I 've paid {$8100.00}, {$5000.00} toward the principle and {$3000.00} toward interest. That would mean that around 62 % is going to toward principle while about 38 % is going toward interest. My interest is variable, has hovered around 5 % since getting the loan and changes nearly monthly. The amount that goes toward interest vs. the amount going toward principal seem to fluctuate monthly as well. One month 26 % of the installment will go toward interest and the next it will be different. I believe I 've paid approximately {$2800.00} over the minimum payments. It appears that those overpayments are not being applied to the principle of the loan. Moreover, the documentation of the loan declares my original amount borrowed as {$10000.00}. My installment amount seems to change every month even though I 'm on a steady repayment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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 many items 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 any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief