BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom This May Concern, Back on XX/XX/2022, my bank institution, TD Bank, deposited a check in the amount of {$920.00}, ( XXXX DEBIT from " XXXX OF XXXX '', which wasn't my payroll check as I have multiple evidence, my job institution is " XXXX  ''. On XX/XX/XXXX, the reversal in the amount of {$920.00} was successfully refunded to the correct account. Apparently I've been told on numerous occasions, ( all conversations recorded by TD BanK ), that my account was yet again debited {$920.00} from XXXX XXXX restaurant, and upon speaking to the latest Rep, XXXX, she informed me that her supervisor, XXXX, told her that I needed to contact phone number, XXXX which is the " Federal Treasury Reserve department in order to receive my money in the amount of {$920.00}. I was shocked and appalled to know and be told that " I '' had to be the one to contact the XXXX department in order for them to send TD Bank the ok to reverse the funds back to my account. iI 've never in my 48 years and the length of time I've been banking with TD Bank, have I've ever heard and corporations tell me to contact the XXXX in order to handle my situation. At this point I don't know what else to do but to ask for your help and assistances to resolve this matter that has been going back and forth since XX/XX/2022. Look forward in hearing from u as soon as possible. Thanking u in advance. Warm Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: Applied Business Services, 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:
In accordance with the Fair Credit Reporting act This account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XXXX XXXX / BB & T Bank Representative XXXX XXXX said XXXX XXXX XXXX BB & T Bank could help with my banking needs. I wanted easy online access to funds. After opening an account I requested online access. 4 days went by and I followed up 2 times about online access to funds so that I can pay a bill. On the 4th day XXXX called me and said they would not be my banker as " We could never satisfy your needs. Just tell us where to send your funds and we'll wire them over. '' She explained to me that my assets were frozen and I would not be given online access to those funds. 

I said sure as she expressed the funds would be wired out to the bank account of my choosing .... and proceeded to open an account with XXXX XXXX, then provided the routing & account number to XXXX XXXX of XXXX XXXX / BB & T. She then replied I would have to go to the branch and pay the wire transfer fee to receive my funds. 

I have not been provided an adequate explanation why my assets were frozen, why I would not be given online access to those funds as other customers are, and finally why I would have to go to the branch and pay fees to access those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 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 2023-06-03
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: 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 how to remove the fraudulent items 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 items 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. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
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:
In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the Corona virus 19. I need assistance doing a deferment with my loan. I tried calling several times once waited 6 hours on the phone still no one answered. I do not want a forbearance I want a loan modification or deferment. But I cant get a hold of anyone to help me.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 U.S.C. 1681. 

XXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX Dept of ED/XXXX  Account XXXX DOE XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX Account 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 2022-11-29
Company: EQUIFAX, INC.
State: GA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-29
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EdFinancial Services
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: Account information incorrect

Complaint:
I applied for student loan forgiveness for 4 student loans. All 4 student loans were forgiven and paid in full in XX/XX/2022. XXXX is still reporting that my loans are still with an old servicer ( EdFinancial ) and that I still have a balance. This is incorrect information. I have letters from XXXX showing that my loans are paid in full. I also have a recent letter from XXXX stating that they have reported the updated information to XXXX, but XXXX refuses to update the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions 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:
Experian has not removed 19 " negative '' credit designations that were connected to XXXX. The issue with XXXX was resolved and all accounts show as paid for student loans. I am now paying and in good standing with the XXXX XXXX XXXX with respect to all student loans, but I was advised they would remove any negative impact on my credit report. And yet these 19 separate " negative '' designations remain in my credit report despite being told that being in good standing with the XXXX XXXX XXXX would fix any issues with my credit. I request these negative designations from XXXX in Experian be removed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, The reason for this complaint is to delete incorrect information on my credit reports. The incorrect information is an unauthorized inquiry from XXXX XXXX XXXX XXXXXXXX on the date XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX agreed to have this inquiry removed, sent the removal request to all three credit bureaus but so far nothing has happened to my credit file. I attached a copy of their letter. Simply they requested that all three credit bureaus remove this unauthorized inquiry from my credit file but so far there has been no action from XXXX, Equifax and XXXX. I am devastated by their lack of action. 
Please make sure that this matter is taken care of promptly as existence of this incorrect information is unjustly causing harm to my credit file. 
Thank you in advance for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: DE
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed 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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 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 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-08
Company: ENCORE CAPITAL GROUP 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:
XXXX I asked XXXX to verify collection account reported by Midland Funding Account # XXXX. XXXX responded with account has been verified by the Midland Funding I contacted Midland and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ) .When, Midland Fundind responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that Midland Funding had purchased the debt, but did not provide any additional information spelled out in under " Spears v Brennan '' I forwarded this information to XXXX and requested a re-investigation under 15 USC 1681 along with response from original creditor and Midland Funding ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX ''. My recent credit report from Experian still shows the " Unverified '' account on my report. 

15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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