BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a text message the morning of XX/XX/23 asking me to verify a transaction that was being placed on my debit card. I instantly texted back the word NO because I didnt make any transactions with my card considering I had been at work all day. I went to look at my bank account and saw that it was legit drained! I JUST GOT PAID THIS MORNING! My paycheck was just direct deposited into my account and right after it looks like these places in another freaking country started having a field day with my money until they couldnt anymore! Of course Im on company time trying to call Huntington bank and cant for the life of me get anyone who is competent enough to help me on the phone. Eventually after trying to get a supervisor to help me for over an hour-I was transferred to one named XXXX. He claimed he worked at the corporate office but honestly I dont know how he has a customer service job because the entire time I was on the phone with him I felt like he wasnt even trying to help me! He had absolutely no empathy whatsoever and wouldnt stop huffing and puffing as if helping me was the worst thing hes ever had to do. His tone was so down that after being on the phone with him trying to defend myself for about XXXX minutes, I feel like Im going to be out every single dime I had to my name! I cant even pay my rent let alone any other bills because my account was drained! He didnt even offer to send me a new card even after I told him that the closest branch to me was over XXXX XXXX hours away. I need to speak with someone who actually gives a XXXX about their customers because this experience with Huntington bank has been completely awful and I wouldnt tell anyone to bank here. I put in a dispute on XXXX fraudulent charges a few weeks ago and they were denied without even asking me for proof of anything-and when I had to beg a CSR to reopen the dispute-she gave me absolutely no hope that Id get a dime of the {$3000.00} o was missing back. Well this time Im missing over {$2000.00}! WHAT IS WRONG WOTH THOS BANK? Someone needs to contact me asap!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXX 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 2023-08-11
Company: EQUIFAX, INC.
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-19
Company: Merchants' Credit Guide Company
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I noticed my credit report showed a new collection from a company called Merchant Credit Gui. in the amount of {$220.00} to a medical account with no information provided. 

I immediately contacted the collection agency that was named in collection account, on my credit report, via the address provided. I sent them my initial letter in XXXX of XXXX initiating my DISPUTE. Thirty days after I initiated my DISPUTE with this company requesting a FULL INVESTIGATION, they never responded. Furthermore, I did advise them that they were in violation for first of all not annotating on my credit file, that this account was in DISPUTE, which they never did, and they didn't respond to my letter as well. 

On XX/XX/XXXX I reached out to them yet again, via Certified Mail SN # XXXX XXXX XXXX XXXX XXXX, which in fact was my SECOND letter to their office regarding this inaccurate entry on my report. I requested that they again, either investigate these charges for validity and provide me with this information, or delete this entry from my credit file, which still wasn't marked as being in DISPUTE and they haven't responded. 

As of XX/XX/XXXX, I wrote them yet again, via Certified Mail SN # XXXX XXXX XXXX XXXX XXXX, asking them to please do the right thing and remove this account that is being reporting in violation of the law and its inaccurate in its entirety. I also provided the SN # XXXX XXXX XXXX XXXX XXXX and the time stamp it was received which was XX/XX/XXXX @ XXXX, and all this still with no response, yet they continue to report this account. 

This is causing a major problem for me personally, and has hindered my family from acquiring the financial products that we need to purchase our first home. I have given them more than enough time to validate the information, and if nothing else to at least mark this as DISPUTED which they have not. I need this information REMOVED/DELETED off my credit reports immediately. There is no validity to this alleged account and they can not validate themselves. 

In closing, I am requesting that you have them remove these inaccurate entires on my credit reports without prejudice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
someone put a false check and was deposited into my account and when wells fargo reached out to me and i explained what happened they said they was gon na close my account and i can not re open the account making me find another bank.

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 2023-05-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My bank : SunTrust merged into Truist. 1-1/2 years ago. I had an interest only HELOC. Until XX/XX/XXXX, payments went to where they were supposed to ( using app- or online service. ) From XXXX to XXXX payments to interest only, could only be made by calling loan department, ( not online or app ) XXXX payment, I had to call Truist loan company to make. Truist loan dept, tried to make it interest only payment - but system no longer acknowledges that type of payment. After 6 calls, & attempts to backdate payment, ( & a trip to the XXXX XXXX XXXX ) reverse from principal only to interest only, they were unable to accomplish. 
My account now is listed as not paid for XXXX, & I can not pay the XXXX payment. I am told by Truist there is nothing that they can do. [ ( There is an original problem with the merger that they opened a whole new HELOC- in addition to my no-interest- which they added fees onto ) My original XXXX loan- was that charges ( eg. Insurance ) be added to existing HELOC balance.. ]

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 2021-10-14
Company: BERKSHIRE HILLS BANCORP, INC
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Sir, I order XXXX products every month. In XX/XX/2022 I ordered products using credits I had. However, XXXX charged my checking account {$130.00}. I called them immediately and they said they would cancel the charges. They refunded my money however in the interim the money they took out of my account caused a number of my checks to bounce. The bank charged me a fee of over {$250.00}. I explained what happened and the bank said they could only refund {$110.00}. That means I have to come up with and additional {$140.00} to cover fees. XXXX has admitted that it was a mistake to charge my account. Yet the bank XXXX refused to give me a full refund. 

I am now unable to pay my bills this month. I have deposited over {$500.00} all ready to try to solve this problem. I am not a rich person. The bank lost nothing. Why should they make money of a stupid XXXX mistake. The bank manager XXXX XXXX. XXXX refused to help me. She was steadfast in her refusal. You understand no money was actually lost. Thank bank paid out nothing. They are happy to make money of a companies mistake. I didn't authorize the payment which normally triggers a refund of fees. However, the bank intends to make money off of me no matter what.

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address is XXXX XXXX XXXX XXXX ny XXXX my old addresses still appear on my report and was asked to be deleted. I provided proof of my address already

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 2023-08-11
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 sent TRANSUNION a cease and desist ( LETTER ATTACHED ) for inaccurate late payment of my XXXX  XXXX account they were reporting. 
They deleted the item and sent me the results ( they removed it on XX/XX/2021 ( RESULTS ATTACHED ) Today XX/XX/2021 Transunion reported the same negative late payment again. 
They late payment is reported XX/XX/2021. Transunion is in default ( violation ) with my cease and desist LETTER I sent them. 

1. The following information is inaccurate. I would like it removed from my credit history report XXXX  XXXX Account Number : XXXX Please remove this Late Payment from my credit report. 

Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports.

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave Transunion any written consent to report anything negative on my consumer report, No consent is Identity Theft. 
I demand an adjustment to remove the late payment ( s ) permanently ( meaning I don't want the same late payment to be reported in my consumer report.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

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 2021-10-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I requested an official direct transfer of my IRA from SunTrust to my IRA at the credit union. This request clearly indicated transfer to be done on the day of maturity, since it was an IRA CD. SunTrust send a check payable to my IRA with credit union a few days before the maturity. My Credit union received and tried to deposit money to my IRA. However for some reason SunTrust withdrew the money back and my credit union was not able to clear the check from SunTrust. Now I don't know where my IRA money is. It is absolutely unacceptable, particularly with the IRA money. Manager from the SunTrust branch in XXXX, I went to for help, told me to wait for SunTrust to figure out how they will correct their mistake. I called SunTrust customer support several times and did not get any explanation of why the check was not cleared. 
I am very unhappy and don't know what to do next and I need help.

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 2023-08-11
Company: EQUIFAX, INC.
State: IN
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 disputed items on my credit report 60 days ago and incorrect information is still reporting for XXXX, XXXX, Equifax section 15 usc 1681 section 604 a section 2 it states that a consumer reporting agency can not furnish an account without written instructions. XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX. These accounts reporting inaccurate information I've disputed multiple times with no response or update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$9400.00} XXXX/XXXX  XXXX {$840.00} XXXX XXXX {$300.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$750.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, 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:
I have disputed the XXXX XXXX XXXX account from my credit reports with Equifax several of times, 10 to be exact. It is reporting as an authorized user account and I have never authorized or approved for this account to report to my credit report. Meaning Equifax had no permission to report it either. This is not my account. I have never applied for a XXXX XXXX XXXX account. This account need to be deleted from my credit reports. 
And before Equifax tries to stall the investigation here is the account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
The following accounts are unverifiable and a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to resolve this matter with this credit bureau. I have asked to provide me with any type of proof bearing my signature and they have failed to do so. Also, In accordance with the Fair Credit Reporting act. The List of accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2021-10-14
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:
XXXX Filed Chpter XXXXBK- In XXXX notice a collection account still reporting the account as open with a XXXX balance. I contacted All 3 credit bureaus, but Transunion is the only company which keep allowing XXXX XXXX to keep reporting an open collection account, as updating even though it is included in my Chpter XXXX BK filing. Spoke with Transunion on XXXX, XX/XX/XXXX and XX/XX/XXXX. What they have told me is as that, every time they contacted XXXX recovery, the company had confirmed the accuracy of their reporting, even though transunion clearly recognize the account was indeed included in my Chapter XXXX BK, but still allow this company to report inaccurate information.

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