BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Four or five months ago I gave my wife {$10000.00} so she would have money in her own name. I searched for the best bank offer and found an offer from Suntrust bank in XXXX, FL. My wife and I went there and set up the account. We told the bank officer that we were there only because of the offer of a {$250.00} bonus for large amounts that were left on deposit for at least three months. The account was set up in my and my wife 's names. The bonus was never posted to the account. Last week we went to the bank and talked to a different bank officer. He said the original bank officer was no longer with the bank. He checked the account and said that we were denied the bonus because we had not set up direct deposit to the account. I informed him that we had n't signed up for a direct deposit offer, that since my wife has no regular income that would n't make sense. In fact the original bank officer looked through the offers and rejected that one because of the direct deposit requirement, the offer she signed us up for had no such requirement. The bank officer we were dealing with on the later visit asked for proof of the offer that we were stating we had been given. We had not kept proof, we assumed that the original bank officer was capable of giving us an offer that we qualified for and that the bank was capable of tracking their bonus offers. Those assumptions proved to be false. After much delay we were told that the bank would not honor the offer. We promptly withdrew the 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 explanation
Consumer complaint received 2016-03-26
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had deposited {$1200.00} ( XXXX checks ) in my checking account on XXXX/XXXX/2016. 
I received a letter from the bank ( Sun Trust ) dated XXXX / 2016 along with a copy of my deposit ticket ( both sides ) showing that they received and credited my account in the correct amount, but stated that they debited my account in the same amount for " items not included in my deposit '' I was confused and waited for my monthly statement. When I received this it showed both the credit and the debit. 
I have spoken to several of he employees at the bank bank several times and each have said they need a week or so look into this. 
As of today I still have not received any explanation as to actually why they debited my account.

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics. I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX acc # XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX {$8000.00}. 
XXXX  XXXX XXXX {$6000.00} Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX {$810.00} XXXX XXXX {$2700.00} Opened 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 2015-04-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
APPARENTLY SENDING A LEGAL NOTICE MEANS NOTHING TO THESE PEOPLE BECAUSE I SENT ONE AND THE COMPANY KEEPS HARASSING ME AND HAVE PUT THE ACCOUNT ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2016-03-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding our Wells Fargo Home Mortgage # XXXX which was paid off on XXXX XXXX, 2015 & gt ; Residential Address XXXX XXXX XXXX XXXX Oregon XXXX & gt ; Mortgage Bowerers ( us ) XXXX XXXX XXXX and XXXX XXXX XXXX & gt ; Complaint is that Wells Fargo Home Mortgage has not delivered to us any of the required Loan Satisfaction Documents. We have called twice complaining about this. The people we talked to at Wells Fargo about this deficiency have acknowledged the deficiency and promised to expedite the document processing and delivery to us, but this has not happened.

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 2023-03-22
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 explanation
Consumer complaint received 2020-11-11
Company: ADIR INTERNATIONAL LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have a curacao Account I was tested positive for XXXX I called and explained to them I well be out of work for a few weeks they told me dont worry I wont have a late payment as long as I make a double payment which I did back in XXXX I have been calling this company over and over I can not get a manager on the phone and they take my information saying they well have one call me and no one never recaches out to me. I should not have this late payment on my credit for I was sick with XXXX  and information this company and the sales person lied to me just to get me to make a double higher payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
Company: Opportunity 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: Old information reappears or never goes away

Complaint:
Opportunity financial was paid the rest of the money owed still reporting derogatory the debt was paid with what balance was said and they tried to bill me for another {$300.00} which i paid after countell late reporting on my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter by convergent outsourcing on behalf of XXXX XXXX stating that I'm in debt of {$240.00} in which I knew nothing about or have a current service with this company. I'm getting threatening letters about submitting me to the credit collections potentially messing up my credit for something I know nothing about. I've contacted them but never get an answer and wanted more details about what's going on.

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 2021-09-25
Company: Nelnet, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX, entered into a consumer credit transaction with Dept Of Ed/Nelnet on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Dept Of Ed/Nelnet, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Dept Of Ed/Nelnet never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
This is an account I have no knowledge of opening and belongs to someone else with same name. I am not aware of any balances that I owe with that company.

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 2020-04-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CAVALRY INVESTMENTS, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX XX/XX/XXXX Company or " law firm '' I believe to be XXXX XXXX   representing the creditor has threatened lawsuit and damaged credit with multiple accounts/inquiries. Charging more than the original debt. An attorney from California ( XXXX attorney name and address was based in California ) filed a complaint with the state of Oregon as of XX/XX/XXXX. XXXX XXXX suggested filing an FRCA Complaint if the acronyms are correct. I am being forced into bankruptcy because of outstanding balances. There is a 2nd party on some of debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: BARCLAYS BANK DELAWARE
State: IL
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:
On XX/XX/XXXX, when I opened my statement period XX/XX/XXXX to XX/XX/XXXX I was upset to find 2 bills amounting {$1000.00} and another amount of {$1000.00} descriptions XXXX XXXX and XXXX XXXX with telephone no XXXX. Money taken from my credit card.Barclay/XXXX XXXX MasterCard . First thing I did is to call my bank and inquired such transactions. My bank said not to worry they will reversed the entry on my statement while they are investigating and at the same time called XXXX XXXX to inquired with such transactions. XXXX XXXX just said the money was taken in cash. That is all XXXX XXXX told me. I feel reluctant when Barclay/XXXX XXXX said not to worry. But then my statement from XX/XX/XXXX to XX/XX/XXXX I was rebill back by my credit company Barclay/XXXX XXXX MasterCard I insisted to them I did not make that transactions and I am not willing to pay. The Fraud Department Barclay/ XXXX credit department told me to go to police station and file an incident report and then submit the report to XXXX XXXX XXXX I did followed the bank advices. When I got the incident report from the police stations I called XXXX XXXX asked their fraud Department address but their respond to me is that from police station the police must call us directly to discuss the issue. UNFORTUNATELY the police officer said, we DONOT work that way. Just send the hard copy to XXXX XXXX. I called XXXX XXXX but will not accept hard copy report and the fraud Department have said the transaction was authorized by XXXX to pay the 2 {$1000.00} transactions. Today I mailed a hard copy of incident report to XXXX in a registered manner.XXXX  XXXX case no. 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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I XXXX XXXX, entered the Wells Fargo branch located on XXXX XXXX XXXX, XXXX, GA XXXX around XXXX. I am a XXXX bank customer attempting to deposit my personal check paid to the order of my mother XXXX XXXX for {$800.00} who is a Wells Fargo customer. I wrote deposit only and her acct # in back of the check due to the fact she lives in XXXX and is not able to endorse the check in person. The teller at the window advised me that they are no longer excepting checks that are not endorsed by the acct holder themselves. This policy is unknown to me and there is no signage anywhere in the branch that has such a policy written. The service manager advised me that they only except cash when you are not the card holder. This is very inconvenient for those who do business and need a paper trail. Checks are how I pay my rent. I called another Wells Fargo branch who was n't aware of this stores policy. I also spoke with the service manager XXXX XXXX who advised that they could simply not accept the check. the branch manager XXXX XXXX advised she would double check policy but never called me back for an update. The lead teller XXXX XXXX could also not tell me why this policy only applied to this branch. If this is Wells Fargo 's new policy, they should apply it across ALL locations and make non customers aware. Now it sounds like an all cash business if you do not have an account with Well Fargo. I feel we are being punished for Wells Fargo ability to detect fraud. their lack of loss prevention should not fall on customers whether we have an acct or not.

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 2023-01-04
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RE : Unauthorized Accounts/Inquires To Whom It May Concern : I recently reviewed my credit report and found unauthorized Accounts/Inquiries that are attached to this letter. I disputed these accounts on XXXX they came off due to violations listed on the bottom of this page. I would like to see the same for XXXX & Equifax. 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4XXXX XXXX XXXX  I have these three negative accounts on all three credit Bureaus. I've disputed an account from XXXX XXXX XXXX & two accounts from XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) Equifax ( XXXX XXXX ) XXXX ( XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX ) I have inquiries from on my credit report that did NOT get my written instructions & I have the right to privacy and confidentiality under 15 USC 1681. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation