BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to SunTrust on XXXX XXXX in XXXX. I planned to open a joint checking/savings account. One of the credit reports was locked so I left and came back to the bank to finish it on XX/XX/XXXX. The bankers name is XXXX XXXX. 
I gave XXXX {$2000.00} in cash and a {$9000.00} cashiers check from XXXX, having closed an account and received a cashiers check. I received a receipt for the deposit. XXXX mentioned that cashier checks can be held for a few days. 
Id specifically mentioned that online access was very important. I established the online account Friday night, XX/XX/XXXX. I was able to log in to the account and access it. The next time I tried to sign on and every subsequent time I am told that it's unable to access site, as if its offline. 
I went back to the SunTrust branch where I was told the account was locked and the cashiers check was on hold. I told them that I just wanted to close the account. They said they had to do an investigation but refused to tell me anything about it. And I was unable to close the account. 
I tried calling Suntrust Customer Service and go through the SunTrust help desk a few times but kept getting kicked to the back of the queue or disconnected after 20-30 minutes on hold. 
The email 's I have received from Suntrust keep telling me to log on to my account to find out the status of my account, but I am unable to log on to my account since I appear to be locked out. 
I got a letter from SunTrust saying the cashiers check funds would be available XX/XX/XXXX. 
I got a phone call from SunTrust representative XXXX XXXX, Client Advocacy, who said that XXXX XXXX would be assigned as the case manager, and I would receive a call from her concerning the status of my account within 15 days. XXXX has not called. Then I received a letter from her saying she has tried to contact me but was unable to reach me, and the phone number to call her. I have called the phone number many times and even called XXXX XXXX back. I have the phone records. As of XX/XX/XXXX, I have called XXXX 10 times, XXXX twice. Never able to talk to anyone, always have to leave a message. Not once have I received anything from anyone. Silence. 
SunTrust has had my money for more than a month. They refuse to answer questions, refuse to say when my money will be returned to me. That no one will tell me what is going on and when I will get my money returned, this is just wrong. That I can't get anyone from Suntrust to talk to me about this is the most confusing and aggravating ordeal I have ever gone through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Upon being denied from a lender for too many inquires on my XXXX report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from Transunion, XXXX, and XXXX credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason : Transunion : 1. XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX  XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX XXXX XXXX XXXX : 1. XXXX  XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. 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 explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-04-27
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 Chime A person came into my account posing as a Chime agent Access my account in lock me out for over XXXX hours and withdraw {$5500.00} from my XXXX XXXX XXXX {$200.00} from my savings Chime is not trying to do anything about the situation even though Ive been in dispute and two police reports,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX,, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX,, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 non-monetary relief
Consumer complaint received 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I deposited an amount altogether of $ XXXX.The ATM malfunctioned with a long loading screen only accepting {$5700.00}, then the ATM tried giving my money back and jammed getting stuck in a counting motion.The money slot closed and ended my transactions with a screen being displayed telling me about a number I have to call for a claim.This is really hurtful I have bills and a family all I can do is breakdown and cry.I talked to a representative of Bank of America and was told this would be resolved within two business days.

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 2022-04-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have informed the three credit bureaus that I have inquiries that were not permitted by myself. I have filed a fraud report with the FTC ( Report # XXXX ). There are not willing to remove the inquiries from my report and in my opinion are stalling in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender was provided a loss mitt package to review on XX/XX/XXXX - was advised this was never received - the package was re-submitted on XX/XX/2017 - was advised that our QWR and NOE was received on XX/XX/XXXX and was under review. The lender has advised that they will not postpone the sale for the research of the loan to be completed and will not review the file for a loan modification - the information was received in more than enough time for a decision to be made on the loan for the assistance being requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: iQuantified Management Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past few months I have been receiving calls from various numbers, including from ( XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and from ( XXXX ) XXXX on XX/XX/XXXX and XX/XX/XXXX. They are robo-calls claiming to be from iQuantified Management Services and they claim to be a debt collector. I do not have any unpaid debts so I do not know why they keep calling me. They claim I need to call the number ( XXXX ) XXXX. I checked the website of this company and I don't see that number listed as belonging to them, but I have seen that number described by others on the internet claiming it is a scam number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you XXXX be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX my collection account agency submitted an account deletion to EQUIFAX on XX/XX/XXXX it was deleted. On XX/XX/XXXX Equifax decided to reinsert the collection account back on my credit report. I contacted Equifax and they say it is reporting correctly i have the collection agency contact EQUIFAX and EQUIFAX still refuse to delete account.Out of the 3 credit bureaus EQUIFAX is far the worst one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about XX/XX/2019 XXXX and my wife started to receive persistent calls from XXXX XXXX XXXX from phone # XXXX. My requests to cease calling us was ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions 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:
I have never applied for a loan/ credit with XXXX . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.

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 2017-09-29
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have 3 cards, all purchased at $XXXX from the same XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, NY.  Two of the cards were purchased and the cards inside had apparently been utilized in 2016 and the other said it was inactive. All 3 cards were charged properly to my credit card. I sent all of this info in and I have yet to hear back.This is a significant amount of money and I am in need of mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A Mastercard with Bank of AmericaXXXX XXXX was opened in my name on XX/XX/22. I did not apply for this card. In addition, the card was sent to a prior address from 3 years ago ; however, it was forwarded to my current address. 

I called Bank of America and they have closed the account. No charges were made to the card. They have also put my name and address under their " security alert '' so that no further cards and/or accounts can be opened in my name. 

I currently have a credit freeze with XXXX, but did not have one with XXXX or XXXX. Bank of America utilized XXXX to check my credit, which allowed the card to be approved. Although an incorrect ( old ) address was used, which I feel with better investigating during the application process, this situation would have been averted. I now have a credit freeze with all three credit reporting agencies.

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 2022-04-27
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
NCTUE sent me a scammy letter claiming their proprietary credit report contains negative information. The agency has a terrible website and is completely unusable for finding the negative information. Calling the number results in an automated system asking for PII with no assurances of data handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Information belongs to someone else

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX BANK XXXX XXXX, XXXX XXXX BANK XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within XXXX  days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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