BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received in the mail a {$2500.00} check from XXXX XXXX XXXX and XXXX XXXX for a claim for services rendered for XXXX  XXXX. Then, I proceeded to submit the check on XX/XX/XXXX as a mobile deposit to my bank - Suntrust now Truist. 

Then, the next day, I am unable to get online access to check my account.I called customer service and I am told that the account is closed yet the check has cleared. 
So, I call XXXX XXXX XXXX and XXXX XXXX to ask it the check is legitimate. I am told that check for services on XX/XX/XXXX is real. 

I call the bank and ask what is going and is my account or not. I told the representative that I would prefer to keep the account as I have my VA XXXX check coming monthly to the bank. 

Then, on XX/XX/XXXX, I receive a letter saying the hold has occurred for the following reason : " We have confidential information that indicates the check may not be paid. '' And, if the funds held for deposit do clear " funds will be available on XX/XX/2020. '' I call customer service today and I get the message that the account is on hold and the account is under and closed. So, I have a concern why am I getting mixed messages about the legitimate payment made to me and deposited in good faith to the bank. As of now, I don't when or if I will receive my {$2500.00} due to me. Please advise and help me. I am XXXX  veteran who needs the money to pay my living and medical expenses in a prompt fashion. 

This matter has really shaken me to my core, and I wonder why this imposition and inconvenience has occurred. Thank you, in advance, for your assistance. 

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 2020-02-29
Company: Experian Information Solutions Inc.
State: NY
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 not my information reporting.

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 2018-04-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid off my credit balances of two credit cards with Chase bank. After I paid the credit cards off, and with a stellar 25 year history with Chase, they did a " business review '' of my accounts and cut my credit limits in half. Although they can cut my credit limits in half without any " hard '' credit pull, they are now telling me that in order to reinstate my credit limits to the limits that I have had for more than 10 years, they will need to do a " hard '' credit pull. So, now I am in a position where either way my credit score will be affected. I can have them do a " hard '' credit pull to reevaluate my credit limits, or I can leave the limits where they are and have my credit score affected by that. This is a pattern and practice for Chase because when I paid off one of the credit cards the last time, upon pay off to XXXX  Chase sliced my credit limit on that card from {$26000.00} to {$10000.00}. This is unfairly negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / XXXX & Experian ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / Experian & XXXX and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as XXXX XXXX Experian always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud 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 explanation
Consumer complaint received 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I DISPUTED WITH XXXX ABOUT A ACCOUNT THAT I NEVER HAD WITH A BANK CALLED XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX CLAIMING IT WAS OPENED IN XX/XX/XXXX FOR A AUTO LOAN.. THEY SENT ME A COLLECTION NOTICE SAYING IT WAS IN COLLECTION FOR A VEHICLE VIN # XXXX ... ( I ENCLOSED A COPY OF THE COLLECTION LETTER AND IT STATES THE VIN # ALSO AS PROOF ) I NEVER OWNED OR PURCHASED A VEHICLE WITH THIS VIN # ... BACK IN XX/XX/XXXX I PURCHASED A VEHICLE WITH THE VIN # XXXX FINANCED IT THROUGH XXXX XXXX. I SUPPLIED ALL DOCUMENTS OF THE VEHICLE I PURCHASED WITH PURCHASE AGRREEMENT, FINANCE PAPERWORK THROUGH XXXX XXXX, THE VEHICLE WARRANTY, A COPY OF THE NEW YORK STATE TEMPORARY CERTIFICATE OF REGISTRATION, A COPY OF THE WINDOW STICKER AND TWO DOCUMENTS FROM XXXX OF RECALLS ON THIS VEHICLE ALL SHOWING THE VIN # OF THE VEHICLE I PURCHASED.. I TRADED THE VEHICLE IN XX/XX/XXXX ON A VEHICLE XXXX XXXX XXXX XXXX FINANCED THROUGH XXXX XXXX WHICH IS IN GOOD STANDING ON MY CREDIT REPORT.. PLEASE DELETE THIS FROM MY CREDIT REPORT.. THANK YOU 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 2017-09-14
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We received an email on the morning of XXXX XXXX, 2017, stating a {$300.00} check was cashed from our account at US Bank. We then received an email stating we were overdraft in our account by almost {$100.00}. We saw the copy of the check, and it was not our names on the check, nor was it even our checking account. We called US Bank and they stated they would start an investigation and it would likely take 2-3 business days. That was unacceptable, as we had bills coming out that day. US Bank stated they could not help us further. We contacted the recipient of the check, a small business, and told him the issue. He said he would check with both his client and US Bank. In the meantime, we went to the main US Bank branch in XXXX. We were able to speak to a banker and they verified the peoples ' names on the check were US Bank customers, and money had come out of the wrong account. He blamed the problem on a " computer error '' of reading the wrong account numbers. He credited us {$300.00} while awaiting the return of our funds from the other bank member, but we still have fees that need to be waived. Had we not received an email, we would not known about the problem until much later and our bills would have bounced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Paypal Holdings, Inc
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I was trying to purchase a teacup yorkie from a breeder. We had sent emails to eachother somehow during our conversation s someone was able to hack into what I thought was her website. There was a down payment involved. I was sent a XXXX  link to use with PayPal to send money to cover the down payment. My PayPal account was linked to my XXXX XXXX XXXX card.I sent the payment which I thought was going to the breeder but she said she never sent me that XXXX address. This XXXX person got sent my {$300.00}. I dont even know this person and Im not use to dealing with PayPal anyway. Breeder didnt get her money but this other person did. I contacted the XXXX  card company they said it hadnt posted yet so I couldnt dispute it yet. Ive also complained to PayPal but not getting too far with them. Please help me try to recover my money. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was late on a child support payment in 1999. It is still being reported on my Trans Union credit report even though the " STATUTE OF LIMITATIONS '' is over. This should have been removed from my credit report nine years ago!. I have asked via mail that it be removed and they came back with a letter stating they had verified it's accuracy. Yes, it was accurate. However, it is a clear violation of the 7-10 year statute of eliminations.

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 2023-02-06
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX. I have inaccurate information reporting to my consumer report. The data furnishers are not in compliance with FCRA. I am a victim of identity theft and these accounts a fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Ditech Financial LLC
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:
DiTech is reported late months eventhough we went through a Chapter XXXX bankruptcy. They have not removed any of the items from the chapter 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 2021-08-12
Company: Kikoff Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see a 30-day late mark which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: SUNTRUST BANKS, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an outstanding loan with XXXX / SunTrust in respect of a loan from last year. 

I submitted a request online and followed up with a phone call today. I spoke with a customer service person and, when he said he could not help, with his supervisor " XXXX ''. Both were civil but condescending and not helpful. 

I was requesting a copy of a pay stub or pay stubs that they have and confirmed they have. I submitted the pay stubs as part of my loan application. 

Since then, I have changed jobs, no longer have access to my former work email, and do not have a copy of the pay stubs. My former company has given me a XXXX but has not been agreeable to provide copies of pay stubs. 

As a customer and owner of the personal data in the pay stub, I asked XXXX to provide a copy, provide access, or confirm data in it. They refused to do any of those things and said that the information does not belong to me and that they will retain the document but will not give me a copy of it. 

I believe that's inconsistent with their policies, my rights in the data, and of course it is ridiculously poor customer service. I have made all of my payment on time and, in fact, I have prepaid a large portion of the outstanding loan. Due to events outside of my control, I no longer have copies of my pay stubs but as a responsible borrower and taxpayer I would like to have copies of my own pay stubs. 

Accordingly, I am making this complaint. I would like LightStream/SunTrust to provide me access to pay stubs and my own personal data submitted together with my loan application. 

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 2018-10-09
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: Information belongs to someone else

Complaint:
Car was my moms not mine and still showing on my credit history. Called XXXX multiple times and keep getting the run around. They called and harassed me many times and I had to change my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2018, I sent a letter requesting the removal of the US BANKRUPCTY from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''

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 2021-09-01
Company: Recovery Solutions Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recovery Solutions Group , LLC Is a company I have never contracted with. now they are stating I owe them money which is a lie I have never contracted with them so there is no money owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either

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 2020-05-26
Company: FREEDOM FINANCIAL NETWORK
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
This is what the representative wrote regarding issues previously submitted. 

I wanted to apologize that you were given the run-around. That is not our intention in any way, and thats why I wanted to reach out to you, to let you know that you were advised incorrectly. I see based on the notes that the advocate informed you, that we would not be able to work on your accounts if we did not have the complete account numbers. I wanted to advise you, that is not true, and I apologize for that confusion. We do have a specialty team that reaches out to the creditors to locate our clients accounts. 

So after a previous complaint, we received a call from a so-called lender that supposedly can have a loan taken out to cover the debts in question. Now it doesn't make much sense to take this loan when the first company is unable to resolve the negotiations with the original creditors how is the lender going to be able to do it? First, most of the debts have been put on hold until they have been written off by the original creditors and they are being bought by collection agencies who could take pennies on the dollar to resolve. 

Does this make any sense, It sounds like we are being passed off to a third party so the first party doesn't have to honor the original contract but how are we supposed to know. What we do know is we are paying our fees on the said arrangement and what we get in return is excuses and misleading or conflicting info from customer service agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 2019-03-05
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Bank account with BB & T ( XX/XX/2016 ) Account number ending in XXXX, this was a student Banking account. This account was then closed on ( XX/XX/2016 ). I received the letter stating that the bank decided to close the account due to the information found on my XXXX XXXX report. 

I was a victim of identity theft and Made the indication to the bank for the information found on the report and requested for my information to be reviewed. They have reported these accounts to XXXX XXXX and they remain on my record. I have notified the bank and requested that they remove the information from my records and they have not done so. 

There is no current information listed on my XXXX XXXX indicating any reason as to why my accounts should have been closed. This matter is affecting my ability to bank with any banker and is putting a hindrance on my financial ability to bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation