BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I hired a XXXX ( known to me for about 15 years ) to remodel my bathroom. After halfway through, the XXXX asked for a payment of {$3000.00}. I wrote check # XXXX, to an employee of the company, for {$3000.00}. The employee deposited the check, through the ATM at SunTrust Bank. Unbeknownst to me, I had written another check, with the same check number, back in XXXX, 2020 ( I have 2 identical sets of checks, that are at least 15 years old. One with my address correct and XXXX incorrect ). Someone from the Fraud dept. at my financial institution called me and asked me if I had written the check. I told them yes, and they put the check through. In the meantime, my contractor told me that SunTrust had closed the account, and said SunTrust did not accept the check. I then paid the contractor {$3000.00} thinking the check would be sent back to my institution. The {$3000.00} check cleared my account on XX/XX/2020. After many phone calls to SunTrust bank, with the employee, part of the conversation, SunTrust said they did not have the money, that it was probably in limbo. I finally made an appt to talk with SunTrust bank, in person, along with the contractor, and the employee I wrote the check to. The contractor, the employee, and myself, had a personal meeting with SunTrust on XX/XX/2020, at XXXX. We all spoke with an employee. Then SunTrust asked me to sit in the lobby while they talked to the contractor and the employee. I was then called to the Manager 's office. He said I wrote a fraudulent check. I told him I did not, that my financial institution accepted the check and put it through for payment to the original personal I had written the check to. The manager also said, if he believed I wrote a fraudulent check, I would not be here sitting with him. He said the money would be available to the person the check was written, in about 2 weeks. It's now XX/XX/2020, and my contractor still does not have his {$3000.00}. I called my financial institution today, and they obtained documentation that SunTrust has the {$3000.00}. I do have an appt on XX/XX/2020, at XXXX, at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, that includes the contractor, the employee, and myself. I am hoping that this will be involved, but it seems like no matter what I do, SunTrust is going to keep my contractor 's money, that is rightfully owed. My financial institution gave me the routing number showing the money accepted by SunTrust. Can you help either by getting the {$3000.00} back to me, so that I can pay my contractor, or give the contractor the {$3000.00}.

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 2020-10-10
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 am at my wits end and i do not no what else to do. my realtor checked my credit and told me that i had a negative account by the name of XXXX XXXX XXXX with a balance of {$9100.00} opened on XX/XX/XXXX and a XXXX  account with a balance of {$45000.00} opened on XX/XX/XXXX. These don't belong to me. i'm a victim of identity theft and i desperately need a Disaster relief loan that i can not get because of these accounts that do not belong to me. please 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 2021-02-12
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Number - XXXX I sent two certified pay in full letters XX/XX/XXXX and XX/XX/XXXX and a recorded conversation XX/XX/XXXX. Resurgent Capital Services still refuse to work with me on a fair % of the debt for this account. Just to omit this debt on an account I NEVER opened up I am willing to pay a portion of the debt, but Resurgent Capital Services will not work with me on a fair % for a debt on an account I never used or opened up. 
Abbreviated Correspondence List Below : a ) Four CFPB complaints ( ignored ) b ) Two FTC dispute letters ( ignored ) c ) Two validation letters ( ignored ) d ) Received 17 unreliable and incomplete reply letters from XXXX XXXX and misc. companies. 
e ) I sent several dispute letters to all three credit bureaus which ( successfully removed all debt from the credit agencies ) f ) I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount Resurgent tried to demand me to pay. There seems to be no working with Resurgent Capital Services for a fraudulently opened account for removal on a fair amount.

g ) XXXX XXXX can not provide me with the original contract between the original creditor and me that I did not fill out or ask for. 
h ) The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed to you, but it had increased due to interest and charges. A {$120.00} payment with the conditions above via money order is above and beyond an acceptable amount for an account that was never opened by me, not seen by me until my credit report in XXXX, and never used by me. Work with me, and you will never see another complaint or letter from me again. 
i ) Two certified pay in full letters Resurgent Capital and one to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ( ignored ) j ) Reply letter XXXX XXXX this letter said nothing and was incredibly stupid regarding nothing about the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: KS
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:
1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( Experian-CFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and Experian closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX DEBT COLLECTION AGENCY without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX DEBT COLLECTION AGENCY.

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 2017-12-07
Company: ALLY FINANCIAL INC.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have not overdraft my account in over 4 months, and when it was it was almost immediately remedied. However, my bank Ally continues to hold checks for 5 business days, these are checks from my employer for reimbursements such as mileage and tuition, not checks drawn on a random account. 

It seems to me that this practice suits to assist the bank in collecting overdraft fees rather than preventing them. I have never attempted to cash a check that bounced, etc. I believe they are practicing this solely to attain more money for themselves.

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 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XX/XX/XXXX XXXX XXXX Amount Owed and still reporting on Credit {$12000.00} This Debt was a joint debt with my Ex-wife which this vehicle was awarded to her in the divorce that made her solely responsible for the vehicle. She then let the car get repossessed and filed for chapter 7 bankruptcy which she knowingly knew and her lawyer knew that she could not discharge this debt. 
Please see Case In the Matter of Mason & Mason, 164 N.H. 391,395 ( 2012 ) ( The issue here is whether a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non-dischargable in bankruptcy, or whether the creditor must request the court not to discharge the debt. We conclude that since the passage of the Bankruptcy Abuse Prevention And Consumer Protection Act of 2005. ( BAPCPA ), Pub. L. No109-8 ( codified as amended at 11 U.S.C. 523 ( 2006 ), a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non dischargable in chapter 7 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 2020-10-09
Company: Experian Information Solutions Inc.
State: MS
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:
Account statement shows an opened date of XX/XX/XXXX with a date of last payment showing XX/XX/XXXX. This account is too old to be on my credit report and it is reflecting that this account was re-aged to XX/XX/XXXX which is illegal.

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 2021-01-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hello, On XX/XX/XXXX I sent a certified letter to Experian to remove the following inaccurate information however I have not heard back from them and the info still remains. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI 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 2018-03-12
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After XXXX XXXX hit us in Puerto Rico last  XX/XX/XXXX that course Island wide devastation, the majority of local Bank and financing institution in Puerto Rico went publicly on T, V, and Radio to inform the they would be putting in effect a moratorium on there mortgage payments for all of local debs. Finally on XX/XX/XXXX, I finally meet with bank representative to discuss my case. At this meeting I was inform that since my mortgage was a veterans guarantee loan I would not have to worry for any monetary cost at all. After 5 months had transpired, second week of XX/XX/XXXX I received the notification that I have to pay my 5 months of mortgage, plus approximately {$800.00} in closing charges, something that was never inform by the Bank, and a practice not in accord in a disaster environment. I feel that I am being blackmail as well as discriminated by the Banco Popular of Puerto Rico. My mortgage account # XXXX XXXX  XXXX XXXX XXXX P.R. XXXX. The person that work my case was XXXX : XXXX XXXX and her supervisor and XXXX XXXX XXXX Senior Vice president Lending services.XXXX  -- XXXX. My Address is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX P.R.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had previously been a XXXXXXXX XXXX savings account customer. On XX/XX/XXXX, I re-opened an account to take advantage of their interest rate structure using XXXX XXXX miles, as I plan to begin traveling more again. My account was re-opened, and on XX/XX/XXXX, after linking an external account, I initiated a transfer of {$5000.00} from my XXXX XXXX checking to my XXXXXXXX XXXX  savings account. The next day, XX/XX/XXXX my account was locked, and I could not access it online. I called their customer support number and was told that " someone would reach out to me '' to resolve this issue. However, on XX/XX/XXXX the transfer that I had initiated was completed, and {$5000.00} was taken from my checking account and deposited into my XXXXXXXX XXXX savings account that I can not access. I called the customer support number again to explain the situation, and was told that all I can do is wait for someone to call me back. Until then, I have no recourse for getting my money back and still no access to my account. I was frustrated enough when they locked my account, which they have not been able to give me an explanation for over the phone, just stating that it is " in review, '' but the fact that they still completed the transfer AFTER locking my account is completely unacceptable, as now I no longer have access to those funds. They need to make this situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Account is in good standing. Bill to American Express Platinum is due XX/XX/2018 but as of a week ago American Express has been sending me numerous emails saying my card is frozen. I called and told American Express that my bill is not due and I should be able to use my PLATINUM CARD until I fail to make payment. It is misleading therefore for company to state card has no limits! It looks like some kind of racket that should be investigated. I am going to rethink my relationship with American Express. I don't like second class status!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I made an online purchase from XXXX in the amount of {$2200.00}. I paid using PayPal and the funds were taken directly from my XXXX  XXXX XXXX immediately on XX/XX/XXXX. 

I cancelled the order a few minutes after placing the order ( also on XX/XX/XXXX ). WXXXX did not ship the order. 

I placed a second order from XXXX, also on XX/XX/XXXX in the amount of {$2200.00}. I paid using PayPal and the funds were taken directly from my XXXX  XXXX XXXX account immediately on XX/XX/XXXX. I cancelled the second order on XX/XX/XXXX. XXXX did not ship the order. 

XXXX refunded the full amount of both orders on XX/XX/XXXX, totaling {$4500.00} ( {$2200.00} x 2 ). 

A week later, on XX/XX/XXXX, PayPal illegally transferred {$4500.00} from my XXXX XXXX XXXX checking account without my knowledge or consent. I have emailed and called PayPal to resolve this issue to no avail. The PayPal representative said the funds will be put in my PayPal account but that has not occurred, nor can they tell me why the money was taken from my account. The rep also could not explain why the XXXX refunds still show as Pending on their website since XX/XX/XXXX. Any refund should have posted in over a week 's time. I do not nor have I ever kept money in a PayPal account. I have always used PayPal as an intermediary and payments are taken directly from my XXXX  XXXX XXXX account or other stored method of payment. 

I requested to speak with a manager on three separate occasions and was placed on hold for over an hour before giving up and disconnecting the call. I have only received auto responses to the emails I have sent to Customer Service through the PayPal website. I do not believe they intend to return my money. 

I went to XXXX XXXX XXXX and filed a fraud report and they are investigating the issue, but that can take up to 90 days. I also contacted XXXX requesting whatever assistance they may be able to provide in resolving this issue but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO SANTANDER CONSUMER USA. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently submitted a previous report in which was disregarded and was not resolved. I submitted all needed documentation along with my personal information. I am asking this account be removed this account from my file as the amount of {$26000.00}. as Well as another account under the same name SANTANDER CONSUMER USA being reported as the amount of {$9600.00} does not belong to me. BOTH accounts were fraudulently opened through this company CREDIT SANTANDER CONSUMER  USA as someone stole my identity in XXXX of XXXX and XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire BOTH ACCOUNTS. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter as this is causing major issues yo my personal file and great financial troubles during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
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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