BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I got a letter from SunTrust telling me both my personal and business checking accounts were being closed. Both of these accounts had already been closed as early as mid-XX/XX/XXXX but I received the official closure letters on this date.

The letter says " At the time of account closure, SunTrust Fraud Risk Operations performed a thorough review to determine that status of the funds, if any, in your recently closed account. If it is determined that these funds, if any, should be returned, a check will be sent within 15 business days. If it is determined that these funds are not collectible by SunTrust, the remaining funds will be forfeited. '' It has since been over 15 business days and I received no checks for any of my accounts. I called them on XX/XX/XXXX and now they are telling me my funds are in reclamation until XX/XX/XXXX in case any institutions try to reverse the funds sent to me, and then after that date I have to wait again for the review process of my funds.

I do not understand why they are treating me like a criminal acting like my money is no good all of a sudden. I never had any institution do a reclamation on the funds in my bank account since opening my accounts with SunTrust over 2 years ago up until present day, so why are they making me go through this?

The only suspicious activity I can think of was a failed withdraw a few days before my final account was closed but this failure was the result of my local SunTrust branch not being cooperative and listening to me. I made the same withdraw on the same day at a different branch and provided everything asked of me, they can also review security footage and see I am the same person who banked with them since opening my accounts.

I tried calling them multiple times in the last few weeks to resolve this but they are maintaining that I must wait so I am filing this report now in hopes they will reconsider. I will wait a few more weeks and then I will go to my last resort which is taking SunTrust to court for the amount held, damages, and lawyer fees.

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 2023-09-04
Company: EQUIFAX, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$9100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023, I paid {$1200.00} towards my student loan and paid it through Ed Financial Services. The amount was deducted from my bank account but until now the payment has not been posted or deducted from my student loan balance. I have submitted bank statement to Ed Financial Services and spoke to their agents for 2 weeks now but until now this issue still hasnt been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2017-09-15
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid this account off twice payments are getting reversed to the account but the money is not returned to my bank 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 2023-09-28
Company: EQUIFAX, INC.
State: MS
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: First Credit Services Inc.
State: PR
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:
Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score. 
DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. 
These are the account details : 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX /AMOUNT {$1700.00} FILE NUMBER DISPUTE : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  /AMOUNT : {$1400.00} FILE NUMBER DISPUTE : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/ AMOUNT XXXX {$1300.00} FILE # DISPUTE : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} / FILE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/ AMOUNT $ XXXX FILE # DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT XXXX XXXX  FILE # DISPUTE XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX/ AMOUNT XXXX XXXX DISPUTE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/ AMOUNT $ XXXX DISPUTE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AMOUNT {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXXXXXX DISPUTE # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT XXXX XXXX DISPUTE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Collections Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Around XX/XX/XXXX, I received a phone call from Collections, Inc. ( XXXX was the name I was given ). I discussed with her via phone call about an outstanding medical debt that she says was from XXXX and XXXX. She claimed I had a defaulted payment agreement with the hospital but I've never set up a payment plan with the hospital. She threatened to garnish my wages and even called my jobs two days later to verify I worked there. I answered the work phone and then called her back on my cell phone. That same day, a payment agreement was met between myself and Collections , Inc via phone call with XXXX. She advised that in XXXX I would make a payment on XX/XX/XXXX ( my payday ) and every payday thereafter until my balance was paid in full in the amount of {$170.00} per payment. I agreed to this. On XX/XX/XXXX, a payment was drafted in the amount of {$170.00} and I assumed all was good. On XX/XX/XXXX, when the second payment was set to be drafted, she called and advised I was in default of my payment agreement because I had not made a second payment in XXXX. I then discussed with her via a recorded call on my cell phone how I was advised I would make these payments on each and every payday until the balance was paid in full. I was still authorizing the {$170.00} to be paid on XX/XX/XXXX, but I could not double up as I had not been prepared to do so. She advised I was then defaulted and fees and garnishment would continue. I asked how can you default a payment agreement when you are agreeing to pay what you owe on the dates previously agreed upon. She stumbled over words and I asked if this statement about me having to make a second payment in XXXX was recorded and she said " It's in my notes. '' I asked if it was recorded and she replied, " No, we do not record phone calls, we would be required to tell you if we did. '' I said, " Okay, that's fine because I am recording this phone call for my records. '' She immediately replied, " Then we can no longer speak, have a great day. '' and disconnected the call. I do not understand how this is legal debt collection practice when they have no agreement from anyone in writing or via recorded call and when you try to make it right, they refuse to work with anything you offer unless it's what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I divorced XXXX XXXX in XXXX. I was awarded the home located at XXXX XXXX XXXX XXXX TX XXXX. 
I filed for bancruptcy in XXXX and it was discharged in XXXX. 
I attempted to refinance my home in XXXX and was informed Citibank placed a lien against my title in XXXX for a debt owed by my ex-husband. 
For the past 4 weeks I have been attempting to have this lien removed to no avail. 
I contacted the collection agency who placed the lien on behalf of Citibank but they will no speak, negotiate with me or allow me to pay off the debt as I am not the account holder. I am unable to proceed in refinancing my mortgage and was informed this title lien will also prevent me from any legal transactions such as future sale.

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 2023-06-01
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I submitted disputes with all three credit reporting agency in XX/XX/2023 and XX/XX/2023, I never received a response regarding the investigation of the inaccurate information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: TN
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/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello my name is XXXX XXXX and I have new and updated information on Experian. I recently submitted a complaint about not being able to obtain my consumer report from Experian where I provided proof of social and proof identity yet Experian continues to noncomply by reporting inaccurate and unverified personal information. The inaccurate and unverified personal information is attached a combination of misspelled names, unverifiable address and employments. I am not sure why Experian asks for verification but do not delete the inaccurate information. 

Please see attached exhibits of inaccurate and unverifiable personal information after I have provided actual proof of identity and social with the correct spelling and provided the most updated address. Experian has ruined my reputation and caused me emotional distress. I have not been able to receive communications because of their constant inaccurate reporting of unverified addresses.

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 2020-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have changed my legal name via court order. I have a new SSN card and California Driver 's License using my new name. 
After various requests, both via call and visiting a branch, I was unable to update the name on my Bank of America credit card account. 
Bank of America would only allow such requests to be made via snail mail and still would not process the request after providing all required documentation. This has been going for over six months.

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 2021-02-25
Company: EQUIFAX, INC.
State: MA
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 am writing to request the elimination of several unauthorized credit inquiries, I have already sent a request to EQUIFAX so that they please and in good faith eliminate those Hard Inquiries that are fraudulent and a violation of my rights, and have not proceeded to the elimination, for I come to you with the assurance that you will help me and that is affecting my being able to buy my house. 
1.XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX, XXXX XXXX XXXX XXXX  3XXXX XXXX, XXXX XXXX XXXX XXXX 4.XXXX XXXX, XXXX XXXXXXXX XXXX 5.XXXX XXXX, XXXX XXXX 6.XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX 7.XXXX XXXX, XXXX XXXX XXXX XXXX 8.XXXX XXXX, XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: PA
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:
My XXXX  sister and I noticed that our identities are mixed up in all three credit bureaus ( XXXX, XXXX and Equifax ). We've been Trying to clarify this mix up for past Two years now and have gotten no where. I am hoping the CFPB can help us resolve this issue. I am in the process to purchase a home but because of this identity mix it seem impossible! Thank in advance! 

My Identity is : Name : XXXX XXXX DOB : XX/XX/1995 SSN : XXXX My Twin 's Identity is : Name : XXXX XXXX DOB XXXX XX/XX/1995 SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am having issues accessing my savings account with Cititbank. I contacted CFPB about week ago, and they created a ticket to get this resolved. The CFPB ticket number was XXXX. 

Citibank did respond and said that my account was now active and that I could access it. The ticket was closed. 

This morning I attempted to log into that account, and again got the " Acess Blocked '' warning. It appears that they responded back to complaint, but they did not do anything to resolve the problem. Could you please either reopen the ticket or create a new ticket to get this problem fixed. 

Thank YOU so much for your help in dealing with Citibank! 

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 explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: FL
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Strange account appearing on my credit report. 
XXXX XXXX XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection  agency is XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX XXXX. 
Amount {$160.00} This information has just shown up on my Trans Union credit report. This account belongs to someone else! As per the fair credit report, i placed a security freeze on my credit reports last year because i have random accounts that appear on my credit report that are NOT mine! I have had to obtain an attorney for XXXX  for one account, and i do not want to obtain one for this random account that never belonged to me. Please remove this account as it's defaming my name and credit report. Since the breach of the credit bureaus in XXXX, my PERSONAL INFO has been stolen, this is unfair to me as a good citizen whom pays their bills. Please remove.

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 2023-09-28
Company: EQUIFAX, 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:
This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: TN
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/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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