BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was opened on XX/XX/2023, with a cashier 's check of {$100000.00}, which I received from a trusted business associate who banks with XXXX Bank. I expected a smooth and hassle-free banking experience, but unfortunately, this has not been the case. 

On XX/XX/XXXX, I received a temporary password to access my account online. However, when I attempted to log in on XX/XX/XXXX, I was unable to do so with the temporary password. Upon calling your customer service, I was informed that my account had been placed on hold due to suspicions of a fraudulent check. I was further advised to visit a local branch to complete a new signature card because my previous signature was deemed illegible. 

Acting promptly, I visited a local branch on XX/XX/XXXX, only to be informed that my account had been closed due to the alleged fraudulent check. This decision astounded me since the cashier 's check in question was directly issued by my associate 's bank, XXXX Bank. I find it perplexing that a cashier 's check from such a reputable institution could be considered fraudulent. 

To add to my frustration, when I requested documentation confirming the account closure and the return of funds to XXXX Bank, I was met with an unhelpful and rude response from your banker, XXXX. His behavior was unprofessional and did not reflect the level of service I expected from Truist Bank. 

I heeded his advice and had my business associate contact XXXX Bank, only to discover that the cashier 's check had been cleared on XX/XX/XXXX, and XXXX Bank had not received any funds returned from Truist Bank. This situation has left me deeply troubled and frustrated. Not only has my brand new business account been closed without a clear explanation, but my {$100000.00} check appears to be in a state of limbo. 

I am writing to request immediate resolution to this matter, including a thorough investigation into the unprofessional conduct of banker XXXX. I need comprehensive answers regarding the whereabouts of my money and a detailed explanation as to why my account was closed without just cause. It is imperative that Truist Bank rectify this situation promptly to restore my trust in your institution and ensure the integrity of my business. 

I kindly request that you investigate this issue thoroughly, address the unprofessional behavior of banker XXXX, and provide me with a resolution within XXXX business days. I expect to receive documentation confirming the closure of my account and the return of my funds to XXXX Bank. 

Failure to address this matter promptly will leave me with no choice but to escalate my complaint to relevant regulatory authorities and seek legal recourse. I trust that it will not come to that, and we can resolve this issue amicably.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I am writing to file a complaint about certain business practices of Wells Fargo Bank and to alert you to what I believe are unfair and deceptive practices at best, and fraudulent at worst. 
I maintained a personal deposit account with Wells Fargo. I also operated a small business and had credit cards and a business line of credit for the corporation that was operating the business. The name of the business was XXXX XXXX XXXX XXXX 
The business suffered losses as a result of the Covid pandemic and became past due on its credit cards and business credit line. Wells Fargo charged off these debts then proceeded to set off the corporate obligations against my personal deposit account that I had set up for my son 's college education. Wells Fargo applied $ XXXX the credit cards and {$32000.00} to the business line of credit. 
I contacted Wells Fargo since I knew I did not sign a personal guarantee. Wells Fargo produced an agreement for the credit cards that had guarantee language buried in it in small type on page 5 of 6 called the Business account application. No signed document or computer record of an electronic agreement was produced for the set off applied to the credit line. I asked an attorney to contact Wells Fargo and obtain any document or computer record that would create a personal obligation on my part. After several attempts the attorney was unsuccessful in obtaining any information. 
I can not afford an attorney to sue Wells Fargo and it now refuses to respond to inquiries saying the case is closed. 
How can Wells Fargo say I am personally liable on a corporate obligation and then fail to provide any support for that position, but still proceed to take my money? I know I did not sign any guarantee document for the business credit line but Wells Fargo took the money anyway and now refuses to provide any document or computer record to show I had a personal obligation. I also believe burying guarantees in the credit card agreement is deceptive. An individual should be made aware of the rights the person is surrendering. Attached is a copy of the credit card agreement. Also attached are copies of the letters sent to me to let me know Wells Fargo was taking my money. 
I am hopeful you will look into this improper, if not illegal, conduct of Wells Fargo and assist me in correcting the matter. 
Thank you for any assistance you can provide.

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 2021-08-05
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citibank along with XXXX XXXX XXXX XXXXXXXX, all lost my payments that where made from XXXXXXXX XXXX XXXX and of course claimed I took the money back but I am not XXXX XXXX XXXX. this has gone on for months and trying to talk to the fraud departments is impossible. they make you call machines where you will spend hours trying to talk to a person in this country who can speak English. every time you ask for a name or id from them they will not respond. I am a poor XXXX man that they have robo called to death threatened to destroy my credit rating and did unless i pay them which I talked to all of them and said I would pay my bill like always but not until they figure out where my payments are going be cause each time i make a payment i get an email and about three days later I get an email saying my payment has posted which they say a week later i took the payment back which is impossible but XXXXXXXX XXXX XXXX records says payment returned but it did not post to my account. I have lost accounts and loans and hours of work plus the stress and embarrasment at banks and business accounts places where i was denied accounts because of this along with background checks that have cost me business and you can not call them just a machine.

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 2021-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank closed my account and will not release my {$12000.00} that is my balance. They started a case # XXXX ... .XXXX  is on the case the phone # is XXXX and her extension is XXXX. Chase bank will not release my funds to me and has closed my account. XXXX XXXX XXXX was given access to my account by me because we will be getting married in the future. He made the transfer by adding an external account of his. Chase bank will not give him back his funds or release them to me. XXXX XXXX XXXX ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NC
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 filed a FTC report because there was a fraudualant account and some inquiries on my credit that i didnt authorize and nobody has yet to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, 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:
XXXX Equifax XXXX 

I have written to all of them severally and also made uncounted amount of phones calls to the above companies, but they have delayed the removal of several derogatory information on my credit report till date. 
My personal details was compromised and used for fraudulent purpose, and i reported the fraud alert when I returned from XXXX XXXX for my country 7-8years ago. 
The FCRA Law, stated clearly what is expected of the credit agencies after 2 years, and still they have not deleted and remove all the fraudulent addresses/credit card/loans/student finance details reported on my profile.

Its over 6years now, and they still left the negative information on my credit file and it has affected my life and my family. I have just recently reported a fraud alert again.Please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2021-08-04
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
XX/XX/XXXX XXXX XXXX XXXX dba Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Midland Funding, Your company has not verified the alleged debt. You entered false information on my credit report, which I have disputed. You are in violation of the Fair Debt Collection Practices. You gave false information to a credit-reporting bureau. A credit-reporting bureau maintains a system of records protected under the Privacy Act. The law provides equitable relief in the form of expungement of records 5 U.S.C. 552a ( g ) ( 1 ) ( C ) affording civil action against an agency.

As a third party debt collection agency, you are attempting to collect a debt without validation. Your entry on my credit report constitutes limited-content-message under the Final Debt Collection Rule Issued by Consumer Financial Protection Bureau and the Fair Debt Collection Practices Act.

The Federal government documented my stolen identity in the XXXX data breach in XXXX. The information on my credit report alleges the account opened XXXX XX/XX/XXXX, the year of the XXXX Data Breach and became delinquent XXXX XX/XX/XXXX. It is impossible to be delinquent on an account not yet opened. 

The Virginia Statute of Limitation on debt collection is 5-years from the date of delinquency. XX/XX/XXXX ends your ability to collect this alleged debt. Your attempts to collect this unverified and disputed debt exceeds the Virginia Statute of Limitations by 1-year, 5-months and 21-days of a Time-Barred debt. Your attempt to collect this alleged debt breaches the FDCPA in Virginia.

By placing a lien on my home, you are threatening to take a non-judicial action to effect dispossession or disablement of property when there is no present right to possession of the property claimed as collateral through an enforceable security interest. This is an unfair debt collection practice identified by the FDCPA.

I am not responsible for this fraudulent debt. Remove your entry from all Credit
Reporting Bureaus. Release any lien notices on my property and mortgage agencies. I demand the name and address of the original creditor and original documents that prove collateralization of the debt. 

You are prohibited from furnishing information about a debt to a consumer-reporting agency before engaging in specific outreach to me about the debt. You breached Debt Collection Practices ( Regulation F ) Final Rule. 

CEASE and DESIST collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-02
Company: EQUIFAX, INC.
State: AL
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 noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact XXXX, XXXX, and Equifax regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for XXXX, Equifax, and XXXX. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this has violated my rights and I need it removed as soon as possible .

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 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have several fraudulent unauthorized inquiries that are listed on my credit report. I have requested these be deleted by contacting XXXX, Transunion and XXXX and they still are being reported. There is no permissible purpose for these inquiries and my privacy has been violated by allowing these companies access to my credit. 
The following inquiries are fraudulent : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-04
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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.

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 2023-04-09
Company: Experian Information Solutions Inc.
State: NJ
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 had 3 hard inquiries made by XXXX XXXX XXXX on XX/XX/2023. 
These three inquiries occuring on the same day should be listed as one inquiry. As you can see on the attached file, both XXXX and XXXX listed those inquiries as one per the FCA requirements. Experian is listing these hard inquiries as three which is hurting my credit score. 
I called Experian on XX/XX/2023 at XXXX and spoke to their agents XXXX. He refused to give me a reason why they are listing these hard inquiries as three instead of one event. He also refused to give me a case number or his agent ID.

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 2023-02-10
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The borrower submitted an application for loss mitigation XX/XX/XXXX, XXXX. After several calls to the servicer for updates and no requests for additional documentation made or mention of a flex modification we were finally told on XX/XX/XXXX the borrower was being reviewed for a Flex Modification - no documents needed. The Borrower was offered a trial modification on XX/XX/XXXX and then received notice of the loan being accelerated and referred for Foreclosure on XX/XX/XXXX. We believe this is dual tracking as the borrower was in review for a workout before the loan was accelerated.

Company response to consumer: Closed with explanation