BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX To Whom It XXXX Concern : Re : XXXX Deposits for XXXX XXXX, VA Locations as follows : XXXX XXXX XXXX XXXX ( Store # XXXX ) & XXXX XXXX XXXX. ( Store # XXXX ) Over the past months from XXXX XXXX XX/XX/2022, my business partner and I have been making deposits at the bank, Truist ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, phone # ( XXXX ) XXXX ). My partner and I have ensured we have all the cash accounted for and the final deposited amounts tallied for each deposit. I was first informed on XX/XX/2022, by the corporate XXXX office that I did not have the amount of money that my deposit slips show that I should have. This information shocked me because I know that my business partner and I have personally been making all the money drops from XX/XX/XXXX to XX/XX/2022, and no money is missing. 

Unfortunately, when I contacted the Truist bank location ( noted above ) by telephone that I wanted to report my issue they did not offer me any relief or help to resolve the issue. Over these past couple months ( XXXX XXXX ) the issue, as far as money missing, has stopped.

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 2017-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Currently use my bank account with a third party company called XXXX XXXX. I make withdrawals from them, and then they take the payment from my bank account. Well my bank account does not report my balance to them accurately, which causes a delay in using their services. Every time there is a delay, they lower the amount I can borrow. My bank also takes longer than any other bank I have ever used in order to post transactions. Which causes me to overdraft almost weekly.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Unauthorized inquiries on my credit report have produced inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts and inquiries from my credit report immediately :

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 2022-01-24
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ive made several attempts to contact Suntrust ( now Truist ) and have been unable to reach anyone. I want to close my account because I no longer use it before I incur anymore maintenance fees. I just want it gone. Everytime I call Im placed on hold and then the line ultimately disconnects. Im not in a state that has a local branch available.

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 2023-04-10
Company: EQUIFAX, 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:
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 accounts 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 accounts listed below : XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Northwood Asset Management Group
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company called threatening to arrest me and that they would garnish my wages on XX/XX/2018. Ms. XXXX stated that I owed a loan agency {$3000.00} and explained that she knows it is excessive but she wouldn't be able to do anything about that. She asked me for my credit card number and if I refused they would go forward with pressing charges and to garnish wages. I let her know that I did not have any income at the time. She called me the next week on XX/XX/2018 asking for me to call her back. On XX/XX/2018 at XXXX she called asking for me to give her my credit card info. I explained to her that I have not received proper notification regarding this situation. She explain she did not have my address and asked for me to give it to her. I again declined and let her know that if she did not have that information there would be no way she could press charges on me or garnish my wages, She then became irate and told me she would call my employer and start the garnishing process then disconnected the line. She called again at XXXX  on XX/XX/2018. I asked her to stop calling me she in returned screamed stating that she spoke to my employer by the name of " XXXX  '' ( never once said my employers name ) I continued to tell her to please do not contact me this was beginning to be harassment she continued ranting and screaming with threats then again disconnected the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
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:
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 account. 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. Please delete the account : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/ Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: FIRST PORTFOLIO SERVICING INC
State: TX
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:
Regarding CFPB complaint NO. XXXX. Over 4 months ago in XXXX, I attempted to reach out to Vervent regarding two tradelines. My letter was undeliverable due to Vervent 's negligence of not updating their contact information. Vervent closed the complaint stating that they can confirm and certify that the credit bureaus have their correct address. Vervent direct response to me, consumer XXXX was this : *******Our investigation found that we have received credit burau disputes filed on the XXXX XXXX account in XXXX and XXXX. In each instance, the account data was verified as reporting accurately and a replied was filed with the credit bureaus. 
We have reviewed the supporting documents provided and are unable to confirm if the documents which contain the address of XXXX XXXX XXXX were directly from a credit bureau agency. We can confirm that the phone number listed with that address is the phone number where we can be reached. Our new address was provided to each credit bureau agency, as requested by the Federal Credit Reporting Act. We have verified with XXXX, XXXX, and XXXX that they have our current address listed. ***** As of XX/XX/XXXX, Vervent did not thoroughly conduct a proper investigation. Vervent is still reporting the address to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX. Vervent is in violation of 15 U.S. Code 1611- Criminal liability for willful and knowing violation for certifying that their contact information is accurate despite otherwise. Exhibit # 5 is documentation generated by XXXX on XX/XX/XXXX of my consumer report. Contact information of Vervent more specifically the address is reporting XXXX XXXX XXXX after vervent certified that the FTC and the credit bureaus have their up to date address. I hereby demand Vervent produce the method of verification describing the steps conducted to verify that they ensured the credit bureaus have their correct address per FRCA 623 or to honor my previous request of removing both derogatory tradelines furnished starting in XXXX & XXXX for the failure of investigating due to undeliverable address and for furnishing inaccurate information and knowingly doing so. Attached is exhibit # 5, their response to me back in XXXX, and what Vervent is currently furnishing to XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below are the account that need to be removed : 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 2023-05-21
Company: FISERV INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, 12 separate charges adding up to {$240.00} dollars appeared on my XXXX XXXX XXXX debit card from an online gambling company called " XXXX XXXX. '' As I do not have ( and have never had ) an account with XXXX XXXX, XXXX XXXX immediately determined that these charges were the result of fraud and removed them from my account. However, XXXX XXXX turned the charges over to a collection agency, TRS Recovery Services, which began attempts to collect the debt. 

In XX/XX/XXXX, Upon receiving communication from TRS Recovery that they were attempting to collect on this {$240.00} debt, I responded in writing informing them that this was not my debt. I will upload and attach that letter ( File " TRS Recovery Letter XX/XX/XXXX '' ) Now in XX/XX/XXXX, TRS Recovery has ignored my written letter from XXXX and is now continuing the debt collection process with a series of 12 separate " second request '' collection letters adding up to the same {$240.00} figure. It seems that my written letter indicating the debt was not mine has simply been ignored.

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 2016-08-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Santander banking account in XXXX of 2016. At the time of opening there was a {$150.00} incentive to open the account. Since that time, I have called Santander 2 times to determine when the XXXX will be credited. XXXX call I was told there is a 3 month wait to get the credit so I would get it in XXXX. 2nd time I called I was told XXXX. I just called today XXXX and was told I am not eligible to receive the incentive. I wish to log a complaint about Santander 's deceptive business practices.

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
Consumer complaint received 2016-04-05
Company: Reverse Mortgage Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Mortgage Company RMS that my mother had Reverse Mortgage with. Is trying to defraud family members who wish to buy Home back. Buy appraising home at more than it value.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: TN
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:
Identity problem : I was not formerly known nor have I ever been known as XXXX XXXX as listed under my identity Part 7. Personal Information with Equifax Personal Solutions : Credit Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a file to Rushmore Loan Management for a loan modification through XXXX. I also filed Chapter XXXX Bankruptcy to get rid of the arrears of the loan. Rushmore is trying to recoop the arrears which I do not have by paying upfront funds of {$8000.00}. They have also given me a sale date and a modification which is duress. I can afford the {$1200.00}, but the upfront funds of {$8000.00} I do n't have that is why I filed bankruptcy. The sale date is scheduled for XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Brock & Scott, PLLC
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I talked to my mortgage servicer due to Brock & Scott doing a foreclosure attempt from the prior servicer. The new servisor has no record of my house being foreclosed on and an eviction notice was received to vacate the property XX/XX/2017. I filed an appeal with the courts on XX/XX/XXXX to stop this illegal foreclosure. I am requesting a stay on any foreclosure proceedings until this is settled. Brock & Scott has not responed to my compalints!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a phone call today from the collection agency representing Ace cash payday place telling me that I have to give them a credit card or prepaid card today or they 're going to sue me I have iced them that I 'm XXXX and XXXX and if we can please have this conversation tomorrow when I 'm feeling a little better and I will have you know my information ready to provide and they said no they 're just going to take me to court and now that my dad will go from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
My checking account number is not hidden nor encrypted on the lender 's website. I requested to have the account that I created with them to be deactivated. The internet support operations said they can not and I should be assured my information is protected. My information is not protected. I want my checking account number hidden, can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Resurgent Capital Services L.P.
State: NV
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:
Did chapter XXXX almost 1 year ago and some accounts still showing on my report I need the account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 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
Consumer complaint received 2023-05-21
Company: JPMORGAN CHASE & CO.
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:
I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation