BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had made a direct effort via the XXXX XXXX XXXX ( XXXX ) XXXX, XXXX Too renew my I.D . ( in very bad Health condition ) via The Department of Motor Vehicles, because my Kentucky state Driver 's License had been expired for over a 5 year period, too be present in person and interact with a bank teller ( I also attempted a cash withdrawal in person/an available balance request/request for the bank teller receipt in person ) at a Truist/BB & T bank location because I had suspected when I would call the # on the back of the debit card ( XXXX ) they had stopped verifying my address. 
There's has been a deactivation message via truist/BB & t bank cardholders services a number of times " the status of this card is unknown '' over the phone, where I had been left stranded in my home for XXXX business days until the B B & T debit card had been replaced.

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 2023-08-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit of my unemployment check to my Huntington checking account on XXXX I received an email from the bank stating that my deposit was available as of XX/XX/XXXX - this email was delivered to me XXXX 

Ive called several times and have been told that theyre investigating my deposit and verifying information. 

The last time I called they advised that my account was high risk and will be closed. Ive still yet to receive my deposit in any form. 

I received a letter stating that my deposit would be available XXXX and still nothing. No further communication has been received from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$49.00}

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 2022-03-08
Company: EQUIFAX, INC.
State: GA
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 to Equifax in regards to a collection account that appeared on my credit report from an account that I paid in full with the original creditor already! This is ridiculous and I need this rectified so that I can buy my home in 3 months. It has been more than 30 days and I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: AMERICAN EXPRESS COMPANY
State: FL
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 have repeatedly sent letters of evidence as per the companies request to support fraudulent reporting of identity theft accounts, inaccurate personal data information all if which have adversely affecting my life and credit score. Additionally, ploys of alleging that someone else other than me is involved, is outrageous and an attempt to slow down the investigation process which is impacting my life.

I have made NUMEROUS good will attempts to mitigate these claims with the credit reporting agency as well as each individual company. These disputes have been removed from several other credit reporting agencies, however, this agency is still reporting these accounts as of XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/2022 thru XX/XX/2022 I over paid. Wells Fargo charged me twice. And gave me overdraft fees. My bank account went into a negative state and I told them that I don't spend money I don't have. I can't overdrafts on this account and when I told them this the lady to me I was making bad choices. If I can't go into overdrafts and di my account go {$350.00} over. This is not the first time it has done this but I don't know the other date. I paid it but now that I see they have been getting there customers I'm sure I was right. I very righteous about spending money. If I don't have it I don't spend it. I pay very good attention to my account and know what I have in there. No I don't use this account that often because of that.

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 2022-12-21
Company: Experian Information Solutions 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:
XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXXXXXX XXXX # XXXX 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 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 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 2022-05-13
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00}

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 2023-11-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Account # XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXXXXXX Code : Individual Account Status : Derogatory Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX High Credit : {$190.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Payment after charge off Paid profit and loss Account seriously past due date/account assigned to attorney, collection agency, or credit XXXXXXXX XXXX XXXX XXXX department. 
Date Last Active : XX/XX/XXXX Date of Last Payment : 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 2022-08-05
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:
I didnt give them permission to share my personal information nor did I authorize them to have my information on display. They have had several security breaches as to where my information was taken and still havent compensated me for and I have yet to receive the {$8000.00} I requested from them. All the old information and incorrect information for me would need to be taken from there data systems immediately. They keep taking stuff off and putting it back on and has violated my rights

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 2022-05-13
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-12
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 need the help of the FTC and CFPB with resolving vague and misleading investigations carried out by Equifax. I've sent them various challenge letter over the last 120 days some of the most recent which I've included below. Equifax has several times taken more than 30 days to conduct their investigations as permitted in the FCRA. Also, they have repeatedly failed to mark several of these accounts as being under dispute when they received my dispute letters and lastly Equifax has completely failed to fix countless errors associated with these accounts as outlined in my past challenge letter attached below. I'll be filing my next consumer complaint with the FTC against these erroneous creditors listed on my credit report and against Equifax to enable them investigate these inaccurate accounts and ensure their deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CBC Companies, 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:
XXXX XX/XX/2022, I requested the " METHOD OF VERIFICATION '' on the alleged accounts on my consumer report. I recently Challenged this account with the consumer reporting agency, stating they have " verified '' these accounts. I requested the " METHOD OF VERIFICATION '' with Innovis Consumer Assistance, with no response or explanation to this matter. Everything on a consumer report must be accurate and complete. 

15 USC 1681i ( Procedure in case of disputed accuracy )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: FIRST GUARANTY MORTGAGE CORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage company First Guaranty Mortgage Corporation dba goodmortgage ( NMLS ID 2917 ) representative name XXXX XXXX reach out to me and my husband in XXXX regarding refinancing our current mortgage that we have. When I spoke to him he said they go our information from our mortgage company to see if we wanted to refinancing with a lower rate and payment. I contacted our mortgage company and they said yes it was legit. I asked XXXX would there be any closing cost or any fees associated with this loan he said no we would have to pay for the appraisal to see if the value of the home. He said it would only take a month to do. Well a month came and went. Once he transferred the loan to XXXX XXXX she came back saying she couldn't verify my husband employment I gave her FOUR contacts so she could verify. She kept coming back saying she couldn't verify. Then she came back with something else regarding a foreclosure that was included in Bankruptcy and discharged back in 2013. Now they are saying because of that they can't proceed with the loan.

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 2020-06-29
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I cl

osed my PNC checking account on the XX/XX/XXXX via telephone and was told that a certified check for all remaining funds ( {$17 000.00} ) should arrive via mail within 2-4 business weeks. On XX/XX/XXXX I called PNC back because I had not received the check. I was told that the issue would be escalated to their customer service team and that I would receive a call from them. 

I received an email and call from XXXX XXXX ( XXXX, XXXX ) of PNC on XX/XX/XXXX. After connecting with XXXX, I was required to fill out an indemnification form, have it notarized, and return to a local PNC branch in order to receive my funds. 

The indemnification form was submitted to the branch on XX/XX/XXXX and I have not received any additional communication from PNC as of today XX/XX/XXXX. 

Seven weeks and counting without receipt of my funds is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX, XXXX, and XXXX XXXX XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 15 USC 1692g as well as 15 USC 1692j, I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between us. They have not provided any judgements made or any original notes .This is directly impacting my life as I have been denied for credit because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX has an account on my credit report that is fraud, I am now suing XXXX for a data breach that cause my information to be exposed and I have accounts on my credit reports that are showing up please delete this account as I have hired an attorney for legal assistance for the fraud and the data breach my information has ended up on the dark web and these companies has used it as fraud now Im disputing this information XXXX XXXX, I have filed a ftc identity theft report about this company, I want this off my credit report, identity theft report is the same thing as a police report and I have turn that company over to the attorney generals office in ga

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 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I ask them to remove inquiry off my credit report because it was unauthorized

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 2022-12-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have two accounts from XXXX XXXX XXXX. They do not have any delinquency on them. I filed Chapter XXXX bankruptcy in XXXX and it was converted to Chapter XXXX bankruptcy on XX/XX/XXXX. Prior to converting, these 2 accounts were Reaffirmed and closed. My credit report shows that the accounts are included in Bankruptcy. These two accounts are not included in bankruptcy as they were closed and combined into another account. The status should be changed to Pay As Agreed and there should be no bankruptcy remarks on these two accounts. The accounts numbers were closed and all. They are NOT included in Bankruptcy

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 2023-07-11
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Greetings, I have a complaint that includes two businesses. XXXX claims that I owe them {$230.00}. So the first complaint is that XXXX has commited identity theft by sharing my confidential information without my consent per 15 USC 6801, 6802 and 1681 ( b ). They have violated my privacy and my confidential information to outsiders not affiliated with the company, ie ; stock holders, owners, subdivisions of the company or employees. 
My information was then purchased by a debt collector ERC who has been contacting me since XX/XX/2023 Reference Number : XXXX in the amount of said {$230.00} debt. In the form of a letter. Which was purchased from XXXX without my consent. I've also received numerous phone calls since that period. 
So I decided to send them a validation letter, cease and desist letter and a 30-day affidavit of truth all certified mail : XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I received the green card and they received my notice XX/XX/2023. 
Since then i have received 5 phone calls from ERC XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and today XX/XX/2023. 
I also made the aware in my affidavit that it would be {$1000.00} per occurrence and they still continue to harass me. 
My affidavit will be alive and active and I will be looking to obtain my remedy for the violations this company has committed against me the consumer and person. They are not on my credit report but XXXX is as a collections account. I also have a copy of the documents that I sent them. They have the originals notarized and signed.

Company response to consumer: Closed with explanation