BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive had an ongoing issue with my bank ( Truist ) since XX/XX/XXXX. I have been back-and-forth trying to get this resolved with both financial institutions. ( Truist and XXXX XXXX ) and still no resolution. The attorney generals office advised to contact the consumer finance department - It is imperative, I speak to somebody regarding this matter, not only to help resolve my issue, but because it was brought to my attention, that my bank, Truist, has committed fraud by illegally hand writing in an account number on one of my checks when they re-deposited for payment XX/XX/XXXX, I deposited four checks each in the amount of {$500.00}, totaling {$2000.00}. My bank took out {$500.00} on two separate dates. ( XX/XX/XXXX and XX/XX/XXXX ( total if {$1000.00} ) stating one check was returned and the other {$500.00} deduction out of my account was for an adjustment case. 
I have contacted XXXX XXXX numerous times regarding the situation, and after speaking to many representatives, including the supervisor XXXX at the corporate office, they all informed me and sent a letter and the checks stating that the checks were paid/cashed. XXXX XXXX advised me to contact my bank and have my bank contact XXXX XXXX to resolve. After my bank manager told me she was not going around and around with me anymore and removing this from her desk, I then contacted area supervisor, XXXX XXXX, up in XXXX, in which he told me, my bank manager should have stood by me until this was resolved, he promised the same Now he directed me to another branch manager up and XXXX XXXX, South Carolina, after speaking to her, XXXX, and explaining to her that XXXX XXXX confirmed the checks were paid, and that they asked for Truist bank to contact them to resolve, she ( XXXX Truist manager ) told me that they can not speak to XXXX XXXX. I work a full-time job, I am a single mother, and {$1000.00} is very valuable to me. I need help with getting this resolved and finding out who has my XXXX dollars. I appreciate your help in this matter and Im willing and able to send you any or all documents I have on this case. This has been a long drawn out process, that has caused me not only Time but a lot of XXXX XXXX. Thank you in advance 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 2023-01-17
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:
My ex wife and I were victims of predatory lending in XX/XX/XXXX with XXXX XXXX. Divorced in XX/XX/XXXX. She deeded the home to me in XX/XX/XXXX. Unable to pay on my own I was almost in foreclosure XXXX. The home was upside down in value. I finally modified ( XXXX ) the home in my own name in XX/XX/XXXX. New servicer ( XXXX  ) came in at the end of XXXX putting my ex wife back on the note. I finally had to stop paying since the new servicer refused to take my ex of the note. When the old servicer agree to take her name off. XX/XX/XXXX I had no choice to take the servicer & trust ( XXXX ) to XXXX Supreme court. Upon further research after filing summons & complaints, I've come to find out that the mortgage has been paid in full by XXXX PMI insurance. This means that the servicer is now trying to double collect. I have a quite title on my property. Of course I am running out of funds fighting against the big banks. XXXX has already been awarded by XXXX Supreme Court against XXXX XXXX  XXXX XXXX XXXX the end of XXXX for over a XXXX dollars. In turn my ex wife has taken me to court for contempt over the same issue. My lawyers bill are surmounting! I have tried to refinance but the derogatory remark is still on one of my credit reports.

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 2019-11-19
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/2018 {$2000.00} credit line, this was a fraud and Ive sent the complaint to the bank and the credit report bureau. My credit score has suffered.

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 2020-07-10
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a loan with this bank, we have not made one payment late since the inception of this loan. We are curious and uncertain as to why this bank has placed our account on a forbearance agreement. ( the second bank to do so, we have 2 rental investments, it is how we attain our sustenance ) This decision on their part, has hampered our ability to request and apply for a loan at a more favorable rate. It has stained our credit report. We are the Americans who are keeping the economy going during these times yet we were treated like yesterdays dirty laundry. 

We are very saddened to say we feel this bank is mishandling this pandemic and aiding the economy from moving forward. 

Please assist us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Total Card, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: TX
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:
I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( XXXX ) XX/XX/2020 XXXX/XXXX XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX XXXX reported on ( Experian ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX on ( XXXX ) XX/XX/2020 XXXX XXXX on ( Experian ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT

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 2023-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
FCRA Opt-Out Request. 





XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/23 XXXX ) Original XXXX : XXXX XXXX XXXX XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX. XXXX ) Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 
XXXX ) XXXX  XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Account number XXXX Subject : Opting Out of Any and All Authorizations Pursuant to the Fair Credit Reporting Act ( FCRA ) To whom it may concern : I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorization whether they were given to you in written, unwritten, verbal, or non-verbal form.

As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies.

Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information.

I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future.

Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer.

Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion is reporting two accounts some company by the name of XXXX XXXX which indicates they are student loans. This never showed up the entire time I have been working on my credit until XX/XX/XXXX yet both accounts indicate they opened XX/XX/XXXX so why wouldn't they show up before now if they truly were mine? I never took out any type of loan with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
On XX/XX/2023, XXXX ran a hard inquiry on my personal credit report with Transunion. I was applying for a business account using my business 's XXXX number. My business 's credit report should have been run not my personal credit.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the 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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 
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 Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : 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 2017-03-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Providian National Bank threatening suit on a debt that was charged off in 2004 using XXXX & XXXX ( case XXXX ) on account XXXX. Debt collector calls on an almost daily basis threatening suit and indicates this will be the last call then calls the following day with same threats. Used location service Overnight Locators XXXX XXXX XXXX as well. Calls family members and neighbors. Debtor is XXXX years and lives on social security. Please stop ALL communications immediately including telephone and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I noticed there were XXXX charges on our checking account that I had not done. They were done on days when I was in Colorado and done during times my husband was at work or had just gotten home from work. He works in XXXX, CA which is XXXX miles away from where the transactions were done. All of the transactions were done with his card. 
XX/XX/2023 {$82.00} XXXX XXXX XXXX, CA XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$100.00} XXXX XXXX ; XXXXXXXX XXXX, CA After Citibank denied our first REG E claim, while I was on the phone with their customer service I found XXXX more fraud transactions. I found them on XXXX XXXX. These XXXX transactions were also done on my husbands card. He was at work when those transactions went through also. 
XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XXXX {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$64.00} XXXX XXXX XXXX, CA I have my husband 's time cards to prove he was at work during XXXX of the XXXX transactions and I was out of state. Citibank is claiming that because his card number was used and his pin number that it must be us. I believe they have forgotten that thieves use card readers to steal that info and make their own cards. I would just like the money returned to by 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 monetary relief
Consumer complaint received 2023-01-17
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:
Im submitting a complaint to you today to inform you I was the 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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 
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 Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Experian Information Solutions 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:
On date XX/XX/XXXX, I discovered ( XXXX XXXX XXXX/ XXXX XXXX XXXX with a account number according to my credit report begin with XXXX ) had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I was requesting Experian to please delete this item immediately. 

I read alerts on XX/XX/XXXX dated XX/XX/XXXX an unathorized dispute was place for XXXX XXXX stating it will take 30 days to complete then another alert dated XX/XX/XXXX same a second alert stated update completed and upated XXXX XXXX verified then place on my credit report. How is this possible that a dispute was fruadulantly placed under my Experian credit report that I never filed for XXXX XXXX then XXXX XXXX to be reinserted after 3 years XXXX that was reported as ID theft. I believe Target company somehow placed a dispute on my credit report for there company that was never on Experian, XXXX, or XXXX credit report for the year of XXXX Target bank was not on XXXX XXXX, nor Experian my credit report in XXXX. A unauthorized dispute for XXXX XXXX credit was fraudulanlty made that I did not authorize Experian because it was never on my credit file in XXXX. I have copies of my credit file for every month and days in between and XX/XX/XXXX theres was no XXXX XXXX credit account on my file. I believe a representative from XXXX made a dispute in my name XX/XX/XXXX without my permission to reinsert their company on my credit. How did Experian accepted a dispute on XXXX XXXX or on any company that was not on my credit file?

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