BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXXXXXX {$510.00} XXXX XXXX   XXXX {$7500.00} XXXX XXXX {$800.00} XXXX XXXX  XXXX {$670.00} XXXX   XXXX {$3800.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$570.00}

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 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 received a letter in the mail that I had filed for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didnt think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that i never open and several bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report. XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2021-04-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has been on my credit report for over 7 years. This should have been removed. I have disputed it several times an no results.

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 2020-08-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received a deposited check into my checking account for the amount of {$14000.00}. This deposit was made by a known friend of mine and cleared the bank. On XX/XX/XXXX, my account showed the new deposit was available. 
Beginning XX/XX/XXXX, I began using a portion of the deposited funds to make purchases and payments. On XX/XX/XXXX I noticed that my debit card for the account was no longer working. I tried to access my account online and was not able to log in. I first got in touch with a customer service representative at SunTrust Bank " Now Truist '' on XX/XX/XXXX. They informed me that all 3 of my personal checking accounts were frozen and being investigated by their prevention & loss fraud team. 
As of that date, I was told that they would be looking into the matter for 5 business days and would determine after this point if they were closing the accounts. They informed me that the investigation could last 5 business days, the closing of the accounts would be 10 business days and that I would ultimately receive my funds, if they owed me any, at 7 to 10 business days after the first two processes were complete. 

It has been 17 days since this began and I have still not been given a specific reason as to why this is happening. I have spoken with countless customer service representatives at SunTrust Bank and they all tell me that it is being investigated by their internal fraud department. I have also spoken with the Branch Manager, XXXX XXXX, at the XXXX, GA location. ( XXXX XXXX XXXX XXXX, XXXX GA XXXX ) She has attempted to escalate this up with no solution. 

I have been a customer of Suntrust myself for almost 10 years and one of the accounts has been in our family since XXXX. I understand that they say this is their policy and can freeze accounts without warning, but I have yet to see any letter informing me of this. I have been given no answers specifically to what caused the freeze. I can only assume it is the check that was deposited on XX/XX/XXXX. I have also had the endorser of the check and their bank confirm that it cleared. 

I have searched online and this seems to be common practice from SunTrust Bank and it is an unfair practice to not give any information to the customer.

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 2017-03-07
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
i have been with us bank for years with XXXX. card. On XX/XX/XXXX i stayed in NH XXXX there was no hot water at XXXX on XX/XX/XXXX i reported it immediately. 
nothing but excuses reports to BBB have just said we are sorry i request refund its ignored. I do not like that its possible you will give me a problem about this. by XXXX XX/XX/XXXX i was leaving and that is when it was discovered. there was nothing more for me to do. i want and am entitled to a refund without a problem i dont like getting a letter saying it may not be successful it better be. 
i am not paying it. XXXX would have already credited it.

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 2015-10-10
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
ComplaintMy wife and i filed for CH XXXX in XX/XX/XXXX, XXXX XXXX in Arizona. One of our creditors was " Citibank '' wherein we proposed to treat CitiBank 's claim, which was secured by a second deed of trust on our XXXX at XXXX XXXX XXXX XXXX. XXXX AZ XXXX that had a value of less than the amount owing on the first deed of trust, as an unsecured claim which would share pro rata with other unsecured claimants in a {$50000.00} dividend ( the " Dividend '' ). ( See Plan pages XXXX, and XXXX. ) As evidenced by the Certificate of Service on file in the case, the Plan was sent out to CitiBank and other creditors on XX/XX/XXXX. 
The Plan was approved and confirmed by the Bankruptcy Court on XX/XX/XXXX. A copy of the court 's Order is enclosed. 
Since the Plan 's confirmation, we have fully distributed to unsecured creditors, including CitiBank, all amounts required in the Plan ; and a final decree has been entered in the bankruptcy case. All of the Dividend payments have been accepted. In particular, a total of {$3600.00} has been paid to and accepted by CitiBank on account of its claim. 
Upon its confirmation, the Plan constituted a new contract with us and our creditors that superseded the old contracts. Section XXXX of the Plan provides that " the rights afforded under this Plan and the treatment of Claims under this Plan shall be in exchange for and in complete satisfaction, discharge and release of all Claims .... '' CitiBank received its Plan payments and no longer has any Claim against us and therefore must release its lien. 
We received " Notice of Final Decree and Order Closing Case XX/XX/XXXX. Since that date, we have written, phoned, faxed and mailed dozens of requests for CitiBank requesting to release its deed of trust against the Property, recorded on XX/XX/XXXX in the office of the XXXX County Recorder at number XXXX ( the " Deed of Trust '' ) ; but it has thus far failed to do so. Even our attorney has written, but to no avail. 
However, they refuse to take any action. We have an urgent issue necessitating the sale of this property immediately, but are unable to do so because of the lien Citibank refuses to remove. And now, we have received a letter asking for a " Voluntary " payment of $ XXXXin order to release the lien on the property. ( enclosed ) If unable to have this removed immediately, we will be totally financially destroyed after meeting all of our financial responsibilities under the Bankruptcy court requirements and obligations. 
Thank you for your Assistance, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: GA
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:
My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX. 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Webcollex, LLC
State: VA
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:
cks XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX agreed to remove the collection from all credit reporting agencies XXXX XXXX XXXX etc if I would pay they collection in full which I did on XX/XX/20 they also promised a letter of satisfaction within 6 days never received that either. I paid this debt in full and they need to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I believe car-share company XXXX and debt collection agency Transworld Systems violated the Fair Debt Collection Practices Act : a ) by making false statements on XXXX notices mailed to my address ; b ) because of Transworld 's inability to retrieve the debt account from its internal computer system to assist me ; c ) because of Transworld 's admission that it has no jurisdiction/authority over the debt, and d ) because of XXXX 's attempt to deceive ( mislead ) me into believing that Transworld was contacting me to collect a debt that would be applied to my credit report. 

Following are my top concerns : XXXX of the XXXX notices received reads : " This is sent to you by a collection agency. " o This is false. If it were true, the Transworld representative would have been able to help me. ( Image included ). 
The XXXX letters does not contain what is called a " XXXX XXXX XXXX. " o The field is blank. According to the Transworld representative, this was XXXX of the primary indicators that illustrate Transworld has no authority over the debt. ( Image included ). 
XXXX of the XXXX letters received read : " This account has been placed with our agency for collection. " o This is false. Transworld could not access the debt in its internal computer system ( no record existed ) and could not help me ... and subsequently sent me back to XXXX ( who refused to undertake my dispute ). ( Image included ). 
XXXX of the XXXX letters received read : " Please be advised that we have been authorized to pursue collection ... '' o This is false. Again, Transworld indicated it had no jurisdiction over the debt and could not help me. ( Image included ). 

I have included a full ( comprehensive ) statement to provide more information considering the character limit on this text box. 

*Please note that I believe the improper communication tactic is grounded in making false statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$75.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANRUPTCY DISMISSED XXXX {$0.00}

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 2020-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i filed disputed on XXXX XXXX and still have yet received anything documents back

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 2016-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an inquiries on my report that I never applied for, I need this to be removed I already fill up an Identity Thief affidavit and send this to all XXXX credits bureaus.The company XXXX application was not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I hired a Attorney to defend me in a civil case. 
Attorney Charge {$3000.00} I pay {$1500.00} in one payment and {$100.00} dollar payment. I made 5 payment. I called the Attorney to find out who the case was going and he never provide me prove, nor case was file. Attorney told me my case never made it to court and I ask him for prove of his work, he refuse to provide prove. 
I told the attorney. No case to continued no more payments to his office. 2 year later I get calls from a collection agency that I had a Medical collection to pay. I get calls at home and recordings that I should make payments or they will take me to court. Recording disclose I should call investigator on this case, or I will be prosecuted. I called AARGON AGENCY time to find out is the collection agency making the calls. Collection agency is going after me for a medical collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Late fee

Complaint:
Current customer of American Express for over 7 years. Continuously spend over XXXX $ monthly, and pay my bills on time. The last few months, something has been happening with my bank, that my payments are a day or two late. I called customer service, asked to speak to supervisor to see if the fees could be credited as a courtesy for being a long-time customer. The first supervisor hung up on me, and when i called back and asked for supervisor, the second supervisor did not even review my account, but told me that he will not credit anything, as people who spend more money than me dont even get credited. He was rude, and not customer oriented, and did n't give my account the time and review I requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft and I first noticed about a year and a half ago. I completed a full police report and submitted to Equifax months ago. Unfortunately, Equifax will not remove the items, while both XXXX and XXXX have removed all fraudulent accounts from my credit reports. I have been dealing with this fraudulent information on my credit files and re-disputing the accounts for over a year with Equifax and I would like the accounts removed so that I can go back to a normal life. At XXXX years old, I should be focusing on buying a house, getting a car, starting a family, etc. and because of this harmful and inaccurate, fraudulent information I can not do any of these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Resolute Credit, LLC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had a credit card opened in XX/XX/XXXX with XXXX, NA after I was married to my husband in XX/XX/XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XX/XX/XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a XXXX mortgage in XX/XX/XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on XXXX since XX/XX/XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XX/XX/XXXX, that 's XXXX years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX inn XX/XX/XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XX/XX/XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement XXXX months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to XXXX in XX/XX/XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX ) should have been able to protect my money with my Divorce Decree on File as well as my XXXX Check. They should have marked my account as XXXX!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Arbitration

Complaint:
I would like to file a complaint against American Express Credit Card. I used them to make a purchase with floorstoyourhome.com, in the amount of {$1800.00}. 
American Express does n't stand behind their customers. We installed the flooring, but it buckles up. The retailer sent out his inspector who said the reason, because the subfloor is not even. When their inspector was here he never removed the floor to check out the subfloor. Did n't remove any moldings and came back with a false report. I hired XXXX independent contractors to do inspection. Both said the problem is not the subfloor. It is the merchandise, because the locking mechanism is defected. Finally I could talk to a customer service representative at XXXX XXXX ( the manufacturer of the wood floor ) who said the reason we are having a problem, because the underlayment what the retailer sold us is not compatible with the floor. XXXX XXXX even e-mailed me out the installation requirements, what they provide to all retailers. I forwarded that document along with the purchase receipt to Amex, which shows that floorstoyourhome.com sold me the wrong underlayment. I sent all the documents to American Express and they denied the dispute. They told us they are not even going to look at the proofs, pictures and documentations from our side. They are only talking to the retailer. The retailer only provided his inspector 's report and American Express accepted it as is. They did n't honor the other XXXX professionals inspection reports, the pictures and the manufacturer 's letter with the installation requirement. This is not fair that I have to pay for defected merchandise with the wrong underlayment. Also this cost me more since the floor had to be installed, I had to pay for the inspectors, we need to pick up the floor and underlayment and reinstall everything with the right underlayment. I did n't even counted the precious time I had to spend to arrange everything, communicate with Amex, all the letters, pictures, phone calls. 
Please look into this very serious and delicate matter!

Company response to consumer: Closed with explanation