BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking and savings account on-line with Sun Trust on XX/XX/2019 with account # s XXXX and XXXX. A bank to bank transfer was completed to fund the accounts. 
On XXXX XXXX, 2019, the bank unilaterally closed both the accounts without telling me exact reason for closing these accounts. I attempted to have this information furnished to me by contacting the bank 's executives XXXX XXXX XXXX XXXX requesting that such adverse information be furnished to me under FCRA, Despite several attempts, the bank is turning a blind eye to my requests, and not furnishing the adverse information that caused them to close the accounts. 
I request you intervention to resolve this issue with Sun Trust, and have the bank furnish the requested information. 
So far all I have received are form letters from the bank telling me that the accounts were closed, but not disclosing the reason for such an action. 
Please note that the bank returned my funds after holding them for a week without giving me any interest for use of my funds that they held for a week.

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 2022-03-02
Company: EQUIFAX, 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:
They stated that they verify the information as being correct but it not reporting correctly on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Transunion refused to delete these fraudulant inquiries. I have tried for months and months and the keep appearing. Can you please remove these from my file XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Without notice, cause, or detailed explanation USAA closed all my accounts including my checking account. I have been unable to make electronic transfers as they restricted my online access and have failed to send even a statement. Thus I am unsure where that money is, how much was in the account, or what if any transactions took place. I 've made repeated requests for documentation which have been ignored. USAA has been informed I do not have checks for this account, and in order to withdraw or receive my funds, USAA 's only options were all fee based. They were willing to send me a check for my balance, for a fee. I could withdraw the funds from an ATM, for a fee. I could go to another bank and have them charge my debit card which had daily limits, for a fee. Withdrawing from an ATM would prevent me from withdrawing my full account balance as well. USAA suggested I go to their local office, which is in another city and withdraw the funds personally. Yet that has fees as well. Fees such as but not limited to taking the day off and traveling to another city and back. It 's been several months without access to my account or funds. I have yet to receive an account statement, or any help in this matter. They have effectively held my checking account ransom.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Under 1693c - ( b ) Notification of changes to consumer A financial institution shall notify a consumer in writing at least twenty-one days prior to the effective date of any change in any term or condition of the consumer 's account required to be disclosed under subsection ( a ) if such change would result in greater cost or liability for such consumer or decreased access to the consumer 's account. <P/>USAA restricted my account access only to shortly close my checking account with no notice and without detailed explanation. I have been unable to make electronic transfers to remove my funds, or even see my balance due to their actions. I 've requested documentation but have n't even so much as received a statement. Therefore, USAA is knowingly in violation of this Consumer Protection Law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First the previous section did not have a box that applied ... pls see explanation below! 

In XX/XX/XXXX I sent a letter to Central Financial Control offering to settle to medical collection accounts. CFC never responded. I tried several more times by phone and mail without any response. 
On XX/XX/XXXX I faxed an offer to settle my 2 accounts with CFC on behalf of XXXX XXXX XXXX XXXX XXXX. The 2 accounts totaled {$5300.00}. 

Today I received in mail a response from CFC dated XX/XX/XXXX saying I had asked to verify the debt. This is incorrect ... .I had asked them and have been asking them since XX/XX/XXXX to try and settle these debts. As I explained in the letters to them I have XXXX and want to settle all outstanding accounts so my spouse will not have to deal with them in the future. 

I understand CFPB can not make them settle, but I need someone I can communicate directly at CFC to settle both accounts. 
Any help with this would help alot! 

PS ... I did reach out to XXXX who owns the debt and they refused to discuss it and kept referring me back to CFC who is not responding to settlement offers. 

Thanks XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: MD
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 a LEGAL Notarized affidavit to XXXX, Equifax , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For XXXX, Equifax , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from XXXX, Equifax , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-02
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had a navy federal credit Union account from XX/XX/XXXX to approximately XX/XX/XXXX. They would regularly contact mycommand anytime I was past due and prevent me from accessing my account online. I saw they were ordered to pay reparations for these actions and am trying to file this complaint to receive mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Dynamic Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection notice from 2 businesses XXXX XXXX XXXX and Dynamic Recovery Solutions. Both claim rights to collect the debt for XXXX XXXX. I received notice from XXXX XXXX XXXX  first and signed a Debt Settlement Agreement with them on XX/XX/2021 then I received a notice from Dynamic Recovery Solutions on XX/XX/2021 both were for XXXX XXXX. I how do I know who has the current account. How do I verify who can collect the debt. Who is the ligitiment collector of the debt, please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 a LEGAL Notarized affidavit to XXXX, XXXX , & TransUnion disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For XXXX, XXXX , & TransUnion to Provide physical verification of the original signed consumer contract.
I demanded from XXXX, XXXX , & TransUnion to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. 

UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. 

Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

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 2022-03-02
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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I was a victim of fraud, and my identity was stolen.

A copy of this letter, as well as copies of the three written letters sent to you previously, will also become part of a formal complaint to the Federal Trade Commission. It shall be used as evidence in pending litigation provided if you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information ( a consumer contract with my signature on it ) is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to DELETE all information that can not be verified promptly.

The law is very clear about the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 1XXXXXXXX XXXX XXXXXXXX 2-XXXX XXXX XXXX 3-XXXX XXXX XXXX 4XXXXXXXX XXXXXXXX XXXX 5XXXX XXXX XXXX 6-XXXX XXXX XXXXXXXX 7-XXXX XXXXXXXX XXXX  Thanks, 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 2019-06-14
Company: One Way Loans LLC dba PowerLend
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I signed up to have my payments deducted on the XXXX of the month as I am a XXXX   employee and I only get paid once a month. For a year it was going okay. Then they started deducting on different dates. In the month of XXXX they deducted on the XXXX and again on the XXXX. The deduction on the XXXX was for my XX/XX/XXXX payment. This early deduction caused a NSF in my checking account causing overdraft fees and leaving my wife and I without money for food or gas for 2 days. The after effect is still causing me problems two weeks later. 
It has taken many hours on the phone with them getting me know where. Their additude is yea we should not have done it but it was only a few days early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
State: CT
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:
There are 3 missed payments on my account There all paid in full amd I would like them removed off my credit report as it affecting my score There are 3 missed payments from XXXX XXXX XXXX XXXX of 2019. From Sheffield Financial

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 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello I opened an auto loan with SunTrust bank in XXXX of XXXX. I have been making automatic payments with them ever since via ACH withdrawals. In XXXX of XXXX, they merged with BBT to form Truist. 

As of XX/XX/XXXX, the loan amount on my account has increased by {$290.00} and does not show the records of an additional payment that was made. 

The Truist web site shows no Statements or Receipts, just an account balance that has no reflection on the prior account balance communicated by SunTrust.

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 2019-06-14
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: Account status incorrect

Complaint:
To Whom It May Concern : On XX/XX/2019 at XXXX : XXXX I called XXXX XXXX XXXX XXXX about a credit alert I received. It stated that I had a closed account ( charged off as bad debt profit and loss write off ). I explained to the person that I had not received any letters in the mail stating that I own {$110.00}, if i did I would have payed that off. I then told the person that the banks actions have affect my credit score negatively, what can we do about this. She stated If you pay the {$110.00} we will remove it from you credit, I agreed and paid the account immediately. as of XXXX. The account is still on my credit as unpaid debt. I've held up my end of the agreed upon action but not them.

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 2022-03-02
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX I opened an Coinbase account and wallet and put over 87000 dollars from my XXXX XXXX checking account. I kept having problems with my account seems like every week I had to call Coinbase and address problems.On Friday XXXX i received a text from Coinbase that my password had been changed. I had not touch my account. I changed my password then.Every week I had problems with my account. Then on XXXX I got a text from Coinbase Fraud that someone was trying to buy 3000 in bitcoin. Then I got a phone call after phone call from this NJ # and I answered it and the person said they were from Coinbase Fraud and someone was trying to buy Bitcoin in my account. They said we are going to send you a code and you tell me what the code is. Then they repeated that. They said they would take care of the problem and that it would take 48 hours to clear up. and they hung up. This was at XXXX pm and noticed the person did not say thank you for being Coinbase customer. So I called coinbase and 47 minutes later the CS rep. said my account was compromised and she would expledite up and lock the account. One day later XXXX at approximately 615 pm i got texts from Coinbase saying I was sending out all these transactions 117 to be exact. I got a text from Coinbase saying these transactions would be delayed because of security issues. They let someone drain my entire account on that day. I filed a complaint on XX/XX/XXXX and I still have not received a answer from them and they keep telling me that are not responsible for hacking of my phone and emails. I called them to lock my account and they did not do it. Negligence. They have no headquarters address and all there CS rep. are not trained in cryptocurrency. They have no accountablility because they all work from home. I had one of the CS rep. ask me how much I had in my account and when I told her she said could confirm that. They have internal theft inside their company and do not even realize it. How do they operate without a fraud insurance policy. They made several Billion dollars last quarter. Now I know why? I am XXXX XXXX and that was 30 % of my retirement and they should held accountable. I have filed a police report at the XXXX Police Department and Detective XXXX XXXX has the copies of deposit to Coinbase and copies of the texts from Coinbase. I can not copy them and can not send them electronicall. Please inform Thank you for your time email XXXX Coinbase still is giving me the run around and case # XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Several fraudulent charges were made to my credit card. Wells Fargo contacted me because they noticed it. They did not pay for the charges ( small XXXX and XXXX charges ). They issued me a new credit card. This is all in XX/XX/2022. Then I saw XXXX of the fraudulent charges back on my new account. I contacted them and they said they received 'proof ' from XXXX and I asked for them to send that to me. When I received the tracking number I went to the post office and they gave me the address of where the XXXX business routers were delivered - this is not my address. I call Wells Fargo and they add this to my 'notes '. Unfortunately through all of this I really wonder who added notes and who didn't do a thing. They all read from the same script when talking to me. I have been to Wells Fargo branches and they are unable to help. I filed a police report. When I received the 'proof ' - it was NOT my email address or my XXXX account that was used and I then called back and provided them with this information. I also looked into IP addresses and this one was not mine. 
I did not make this purchase and I am not responsible for the XXXX charge and the interest charges. 
I have spoken to multiple people on the phone and via email. I have had to take time off of work to deal with this and this has caused me a great deal of stress and anxiety. 
I am incredibly distraught and upset and I do not owe Wells Fargo this money.

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