BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
This is probably again the same issue that Ive noticed from Truist bank. That they do not give notification to their clients or customers about their account. I had a check given to me by XXXX XXXX Superior Court for a court case that I won that I cash. Through mobile deposit. There is no bank within my state for Truist is an XXXX XXXX Bank I am from the XXXX XXXX. I deposited the check not seeing the expiration date - four days after I saw that the check was returned. I called Truist and I reached out through social media and asked them if I could get a replica check since it was from the XXXX XXXX Superior Court. And that the check would be replaced since its in my name and from the court. They held my other accounts and told me to get the replacement check as fast as possible little did I know that they already decided to close my account and send the remainder balance to collections. They never solved anything for the claims that were closed or denied by mean not receiving notification and answering back to the claims and then I had contacted executive offices for XXXX XXXX superior court to contact truest bank for the timeframe of the check being issued, and not to hold me liable for lateness. I only have one letter from Truist about the check returned and the remainder balance. Ive reached out to Truist several times. Apparently from other complaints this happens quite often with them. Im now filing with the FDIC

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted transuinioon or about the date of XX/XX/XXXX Regarding notification of a inquiry that I had no knowledge of from XXXX XXXX on XX/XX/2021. It was told that the inquiry was not there On XX/XX/2021 I received a XXXX via XXXX XXXX that had included it's pretty common that a hard inquiry was pulled from XXXX XXXX on that same day I called TransUnion and was again told that the inquiry did not exist I then received a hot inquiry from XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX regarding a inquiry that was indeed mine but was resolved by XXXX XXXX stating that it was not supposed to result in a hard inquiry I contact the XXXX  once again in its XXXX that the bank agrees to reverse the inquiry and it is still on my report as of XX/XX/2021 Trans Union does not want to assist In spite my credit report station that is not 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 explanation
Consumer complaint received 2021-04-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a " Reduced Balance Opportunity '' dated XX/XX/XXXX from Convergent Outsourcing Inc. via regular mail. It referenced the following : Creditor XXXX, XXXX, Client Account # XXXX, Convergent Account # XXXX, Reduced balance Amount {$520.00}, Total amount owed {$1000.00}. " The account referenced above has been placed by XXXX with our office for collection. We have been authorized to accept payment of 50 % of the total amount owed, which is {$520.00}, in exchange for which XXXX, XXXX will recall your account and cease all collection activity. If you are interested in taking advantae of this offer, call our office within 60 days of the date of this letter. Please note that this is not an offer to accept 50 % of your debt as payment in full, but an offer for XXXX, XXXX to remove your account from further collection efforts. We are not obligated to renew this offer. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector ''. First, it arrived almost 3 weeks after the date of the letter and via regular mail. Second, it provided no explanation of the claimed debt owed. Third, it did not notify me of my rights. On XX/XX/XXXX, I wrote a letter to them asking them to send me proof of the debt, including the original agreement with my signature, a complete detailed itemized statement showing all transactions made on the account and all correspondence related to the account and proof that I was properly notified of this debt with supporting documentation sent via certified mail. I asked that if they can not provide me with all that information, that they nullify it and notify all financial institutions and credit reporting agencies and remove all negative reporting in connection with it. On XX/XX/XXXX I received via regular mail a letter stating that they completed their investigation and the debt is valid and attached a copy of a partial monthly statement dated XX/XX/XXXX. None of the supporting documentation of proof of ownership was attached. In addition, at the same time they sent me the first notification, they notified the credit bureaus that the account they claim I owe was opened on XX/XX/XXXX, that the account status is Open. As a result of this, my credit scores dropped approximately 25 points. This was before I even received the first notice from them. I find these practices unacceptable and harmful and inappropriate and they don't seem legal to me. Anyone could have come up with a copy of a bill and try to scam me. I am not accepting ownership of this " account '' and I will dispute it and pursue legal action if they do not remove this negative reporting, stop harassing me and causing me financial harm ...

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 2023-04-27
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing a complaint to address a critical matter regarding an account that has been inaccurately reported on my credit history. It is imperative that prompt action is taken to close the account and remove it from my credit reporting, along with any negative information reported after the closure date of XX/XX/2015. 

I want to emphasize that this account has been inaccurately and illegally reported as " current '' despite being closed on XX/XX/2015. The account 's payment history and remarks contain multiple instances of incorrect and misleading information. Such reporting not only fails to comply with the requirements outlined by the Fair Credit Reporting Act ( FCRA ), but it also grossly misrepresents the true status of the account. 

Given the age of the account and the fact that it was current when it was closed down, it is imperative that this matter be promptly rectified. I hereby demand the immediate closure and removal of this account from my credit reporting without delay. This action is crucial to ensuring compliance with FCRA requirements and maintaining the accuracy and integrity of my credit history. 

I anticipate your urgent attention to this matter. Please take immediate action to close and remove this account from my credit reporting. I expect written confirmation once this action has been completed to ensure its swift resolution. 

Thank you for your prompt attention and cooperation in resolving this matter satisfactorily. I trust that you will act swiftly and responsibly to address this issue in accordance with the requirements of 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 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I use my debit card for everything so much so that I memorize the card number. as soon as I moved I changed my address on the Mobile App. I was having some problems with the chip on my card over XXXX prior to the printed expiration date on it. I called in to the fraud prevention team on XX/XX/2019 as my card was declined for potential fraud merely because the chip was no longer working while speaking to them I confirmed the change in address so that I knew they should have the correct address. once we cleared the " potential fraud '' they advised me I would need a new card. I explained I shouldn't have to pay for a new card if they are not making the cards durable enough to last as long as the expiration date on them. they stated I could report the card stolen and no fee would be charged, I declined as it is unfair to me to have to go in to all of my merchant accounts and change the card number, or perhaps forget or miss one and then be charged a return check fee by the merchant because the charge would not go through. they eventually agreed to send me a new card with the same number without a charge. weeks go by and I never received my card so I decided if they would not send me a new card then I will continue using my old card. on XX/XX/2019 I tried to make a purchase and it kept refusing to go through, but would put a pending " hold '' on my account so I couldn't complete my purchase but my funds were not made available to me for 24hrs either. after it failed a second time on XX/XX/2019 I decided to look on my Mobile App and see what was wrong with my card. it is there I found that they had in fact sent my card to the wrong address despite changing it on the app AND with a person over the phone. after the extensive conversation I had on the 1st call in XXXX, I feel that this was done on purpose to spite me for requiring my debit card to be durable and/or not be charged for a new one when it isn't. Bank of America then refused to compensate me for the time I would have to spend changing all my merchant accounts and having to be without access to my own money for up to 6 business days. when I asked to at least be updated when the internal complaint review was complete, they declined. insisting that the team that investigates complaints is not able to make outbound calls, nor received inbound calls when I asked to call them for an update. this leads me to believe that these complaints in fact go no where and there will be no repercussions for the " error '' that appears to be done on purpose in retaliation. 
I have been with Bank of America for 15 years and never has their customer service been so terrible as it has in the last 2.

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 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
XX/XX/2019 I called Capital One to upgrade my credit card to a rewards card but was told I had to make new application which I did with him during that call giving authorization to pull credit inquiry. A couple weeks later I recieved letter requesting me to provide my current 1099 which I did then I recieved letter of denial citing too many recent inquiries. When I checked all three bureaus Capital One appears on XX/XX/XXXX ( authorized by me ) and again on XX/XX/XXXX ( not authorized by me ). They just need to remove the XX/XX/XXXX inquiries from all 3 credit bureaus but can't speak with anyone authorized to help with this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.

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 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Identity theft occurred in another state that I have never been to in my entire life. My items were stolen and because I did not use my bank card for a while, i didnt notice it was missing until I received fraudulent charges. I informed Bank of America of this but an unproductive investigation was conducted. No one compared signatures and it is my sworn oath this is stolen identity which has happen before in XXXX  i filed with internal revenue services for stolen identity. My credit reports are on alert for fraud and IRS has been on alert for stolen identity for years. This situation with Bank of America is stolen identity!!!!

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 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 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 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 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 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

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 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 monitor my credit daily ok. 
I get updates and credit alerts from everywhere. 
I just got an update on XX/XX/XXXX and again on XX/XX/XXXX that my credit was the same as its been for almost two months it was XXXX. 
Keep in mind I have had no changes OTHER than amounts " decreasing '' from my total debts. 
On XX/XX/XXXX I got an update from the bureaus ( TRANSUNION AND XXXX ) that my credit went down 38 points DUE TO A NEGATIVE REMARK CHASE POSTED ON MY ACCOUNTS. 
I pay XXXX  on time EVERY MONTH. 
I spoke to Gentleman in the XXXX Credit Bureau Correction dept about the error. 
I was given information that the remark shouldnt have made my score go down BUT AGAIN IT DID. 
He also tried to blame it on a " third party applicator '' BUT NO SIR THIS CAME DIRECTLY FROM TRANSUNION AND XXXX My credit score decreased drastically soley bc of the NEGATIVE REMARK XXXX ADDED TO MY ACCOUNT. 
XXXX needs to STOP adding UNECESSARY remarks on my credit file. 
IF IM NOT LATE DO NOT ADD ANYTHING TO MY FILE. 
DONT ADD NONE OF THAT TO MY CREDIT FILE BC IT DECREASES MY CREDIT SCORE DRASTICALLY I'm a credit specialist OK. 
I monitor my credit 500 times a day. 
I'M ADDING PICTURES TO SHOW HOW MY SCORE WENT DOWN SOLEY BC OF THE REMARK XXXX ADDED TO MY ACCOUNT. 
Not even sure why they added that UNECCESSARY REMARK ON MY CREDIT FILE PERIOD. 
THE GENTLEMAN EVEN TOLD ME OUT HIS OWN MOUTH SOMETIMES WHEN XXXX ADDS REMARKS PPL HAVE CALLED IN AND STATED THEIR SCORE WENT DOWN. 
THIS NEEDS TO BE INVESTIGATED INTERNALLY. 
XXXX NEEDS TO REMOVE THE REMARK THEY JUST PLACED ON MY FILE ON XX/XX/2019 REGARDING THAT DISPUTE. 
AND IT NEEDS TO BE REMOVED EXPEDITIOUSLY. 
A DISPUTE WAS FILED BUT IT HAD NO BEARING ON ANYTHING BC IT WAS ONLY FOR {$30.00} AND I NEVER FOLLOWED THROUGH WITH IT. 
IT WAS NEVER PROVISIONALLY CREDITED OR WITHDRAWN FROM MY ACCOUNT. 
IT LITERALLY DID NOTHING. 
XXXX may not know that what they are reporting or the words they are using is hurting consumers but it is IF IM NOT LATE DO NOT ADD NOTHING TO MY CREDIT FILE. 
You should be reporting my ON TIME PAYMENTS and THATS IT DONT ADD ANYTHING ELSE OK. 
ABSOLUTELY NO OTHER MITIGATING FACTORS CAUSED MY SCORE TO DECREASE LIKE THAT EXCEPT THAT REMARK THAT WAS ADDED AND AGAIN MAYBE XXXX CREDIT BUREAU DEPT DOESNT REALIZE THE UNECESSARY REMARKS THEYRE ADDING TO CONSUMERS FILES IS  DECREASING THEIR SCORES SO NOW THEY KNOW AND THEY NEED TO STOP OR I WILL FILE A LAWSUIT AGAINST 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 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank account was opened using my ein or social security card bank was notified ftc has been notified

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are several unauthorized inquiries on my report. I have mailed investigation letters to the bureaus and organizations. I have also created a report with the FTC, yet there have been 0 attempts for resolve. These unauthorized inquiries should be investigated and removed immediately, as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
MY RIGHTS WERE VIOLATED WITH THESE CREDITORS XXXX XXXX WAS PART OF A CLASS ACTION LAWSUIT I WAS APPART OF FOR THE SPAM CALLS XXXX TIMES DAILY MY ACOUNT WAS SOLD TO XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX NEED TO REMOVED OFF MY ACCOUNT XXXX XXXX XXXX MISS HANDLED INVESTGATION OF ACCOUNT XXXX XXXX MY ACCOUNTS WERE compromise capital one cut my cards off without my permission INSTEAD OF REPLACING THEM WITH NEW CARDS INVESTIGATION WAS NOT HANDLED PROPERLY CAPITAL ONE XXXX CAPITAL ONE XXXX 15 U.S.C.1681SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604 SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 XXXX YEARS. 
15 U.S.C.1681 2 ( A ) ( 1 ) a PERSON SHOULD NOT BE IF YOU ARE 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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:
After many many times explaining to TransUnion and speaking with the special handling department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete this information.

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