BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-27
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received a NSF fee for an item even though I had a positive balance on my account after the item was charged. All of the items posted and left me with a positive balance at the end of the business day on XXXX/XXXX/2015, but on XXXX/XXXX/2015 the item was termed and I was charged an NSF fee. My online banking shows no sign that I was ever in the negative- I am attaching a copy of the bank statement. I spoke to XXXX people at the bank today, XXXX of which stated they were supervisors ( XXXX and XXXX ) who all stated that Regions Bank 's back office support is different than what their customers see via online banking. This is extremely disturbing- this ultimately means that the information related to the consumer is incorrect and can result in extra fees unavoidable to the consumer. 

I was advised that pending transactions from XXXX took precedent over all other charges that were posted the same day, even though the pending transactions did not post until XXXX/XXXX/2015. I hope I 've explained my complaint in a way that can be understood- I 'm still perplexed myself at the entire situation. The bank statement will clarify why I feel Regions Bank is acting unlawfully in not presenting all information to their consumers to assist in avoiding extra fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: IL
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:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Deposited a Certified money order into the Bank of America ATM yesterday XX/XX/XXXX The amount of the certified money order was XXXX my savings account has been opened since XXXX and has never had any issues ..... 

This is not the first time Bank of America has ignored and illegally not adhered to the funds availability policy in the United States Banking system. They are telling me that my funds will not be available until XX/XX/XXXX. 

I need access to my funds.. Please advise if you can speak to the powers that be at Bank of America and they are illegally holding funds... 

I would like to get this resolved asap as I need my money for food.. for my children, and rent.. Bank of America does not care

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
There are a lot of fraudulent accounts on my credit report. It is damaging my credit and causing my scores to drop. This is violating my FCRA by limiting my ability to obtain credit caused by the inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Credit Corp Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Credit Corp Solution in XXXX Utah called and verified my information and when I told them I would not pay for this debt as I can not afford it and the trucking company that was supposed to pay it screwed me over they told me that they would be sending this debt to their pre legal team I assume in hopes to get me to set up a payment arrangement. I disconnected the call looks up the laws regarding the threat of the pre legal team and contacted an attorney and was advised that was threating legal action. I can not afford to pay this debt as I am going thru a divorce and already have a child support garnishment on my pay check. This is not the added stress that I need from a debt collection company to try to get me to pay for something that I got screwed over on. One day if I have the money Id be more than happy to pay it but dont need to be threaded to make it happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been fighting with these people for years, they had me living in a state I have never lived in and reported non payment when I paid off credit cards or loans. Most of this had to do with a construction project that XXXX Bank stole {$150000.00} of my money which I am still trying to recover. Judgements placed because they controlled all the money and lost it. Also illegal services I found on a loan which they would not remove. I also tried to get a loan and had my identity stolen which these people must have tried to use to get more money. I did refuse to pay them and told them I am entitled to my report and their scores are very unbalanced and discriminating. They refused to do anything so I had my score frozen for three months which with their inaccurate reporting made it impossible to get a loan. It if time they stopped the inaccurate reporting and also used XXXX credit card my father had which had a second card in my name I never used. They refused to verify that my signature was on those documents so when he passed I settled for less which hurt me because he was not here. Something must be done with these people and inaccurate reports when it says a soft hit does not affect your score it does. They use everything. Someone needs to come up with some kind of system. There were also credit cards that I myself did not close but did not use so they showed also which should not be reported because I did not use them I guess they close them in a certain amount of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Netspend Corporation
State: OK
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:
On XXXX I recieved a text from my bank Netspend skylight asking if I had made made a purchase from XXXX  for {$310.00} I replied no and they immediately closed the card. I checked my account and found 2 other charges one for {$120.00} and another for {$120.00} all three transactions were made at XXXX. I filed a dispute with my bank for the 3 charges. And after waiting for 3 weeks was told by my bank that the charges were valid and they would not be crediting back any 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 2015-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Equifax regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax reported in a response to the regulatory agency, CFPB, that they had investigated and found reporting to be correct, they lied. The lie is revealed with the truth, first of all, they did n't contact or investigate anything, instead they are playing the same game they always played prior to the CFPB, fight regulation, and oversight. The records provided within will clearly identify they lied in their response, and I want action, not just documenting but action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have seen at least XXXX credit inquiries on my Equifax credit report from car company 's. I have NOT filled out ANYTHING from a car company. My last credit application was to XXXX. I do n't know who is making these hard inquires from these car places, but I want it stopped and removed! I have also written a letter to the credit bureau which will be sent out today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: FL
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:
On the date of XXXX XXXX, 2022 Equifax dropped my score by XXXX points after getting a credit limit increase and decreasing my balance by {$15.00} reported by XXXX XXXX - XXXX XXXX. I sent a dispute letter to Equifax concerning the matter. Please help with this unreasonable way of score dropping where the law states otherwise, which I included in my dispute letter. Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: WESBANCO BANK, INC.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX, my husband used his debit card at XXXX for {$6.00} which resulted in our account being overdrawn by {$5.00}. At XXXX, 27 minutes later, I transferred a deposit in the amount of {$5.00} to remedy the negative balance. We were still charged an overdraft fee of {$35.00}. I went to the bank on XXXX at XXXX to deposit money to cover the days transactions and attempted to explain why the fee was erroneous, but my request for the refund was denied. I was told that because the debit posted and the deposit was still pending, the fee was legitimate. Again, there was a total of 27 minutes between the debit and the deposit, and the deposit was made prior to the XXXX deadline that I had previously been told was in place ( when a similar situation happened the day before and the fee was reversed ). 

We have been customers at this bank for several years and have never had this issue. There have been many times that my husband or I have been out and needed to use our card and then deposited the money later that day and fees were never assessed. When I explained this, I was told that the new system was to blame and the fee would not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX problems on my credit report with Experian 1 - There is an account listed which is not mine Creditor : XXXX 2 - The total for " Revolving Credit Limit '' includes limits for accounts which are closed I had mailed a dispute form to them in XX/XX/XXXX but have received 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 non-monetary relief
Consumer complaint received 2016-03-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
XXXX shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with XXXX XXXX. I received a letter yesterday stating that my mortgage was being transferred to Truist Bank. 

I contacted Truist to keep information on how to setup an online account, how to ensure my payment is on time, etc. I was on hold and being transferred to various departments before being told that Truist cant answer any questions, cant accept payments or provide access to an online account until the XXXX. 

My mortgage payment is due on the XXXX. The letter I got states that any payment due on or after XXXX XX/XX/2022 needs to be made to Truist. However, Im also being advised that Truist wont be able to see my loan details or assist until closer to the XXXX of XXXX, after my payment is due. I dont want a late payment on any record ( internal to the bank or on my credit report ). 

This is a shady, unfair, business practice due to Truists inability to assist during this transition and is deceptive for consumers. 

My other concern is that I do not want marketed to by Truist Bank in any form. After reviewing online forums, it appears that Truist begins marketing to people whose mortgages they buy for products like checking, savings and credit cards. I have NO desire to have any relationship beyond this mortgage with Truist. I wouldnt even want the mortgage with them, if I had a choice. I expect Truist to never contact me about cross selling any products or services as I have no desire to do business with a shady financial institution. I do not intend to provide any additional source of income or business to Truist, outside of the mortgage. 

Please know that my primary concern is related to ensuring I can get a payment processed without any notation of late payment internally or with a credit bureau, and that my concern of being marketed to is secondary. My issue and concerns are not with XXXX XXXX, but with the behemoth financial institution known as Truist Bank. I hope someone can contact me to sort everything out. 


Thanks.

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 2016-09-23
Company: Navient Solutions, LLC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone fraudulently took out FEDERAL student loans in my name using my social security # and dob on XXXX/XXXX/2016 and I have disputed it with the credit bureaus and they WILL NOT take it off my credit report! I did not do this and it is n't fair that someone is getting away with a FEDERAL CRIME! I have also contacted the XXXX, the FTC, the loan company, ( Navient ), the police, and the State 's XXXX and no one will help me. Can you please?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Cornerstone Home Lending Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Brookhollow mortage in Texas was working on a mortgage for me. I had to cancel on the mortgage because they were telling me it was my job ( XXXX XXXX ) and they were doing me a favor. I submitted all of my docs by XXXX/XXXX/2016. BROOKHOLLW MORTAGE WAS NOT RETURNING MY CALLS AND WHEN I DID REACH THEM THEY SAID I HAD TO GET THE TAX TRANSCRIPTS. I SUBMITTED THE TAXES AND THE XXXX IN PLENTY OF TIME. THEY CALLED ME ON XXXX/XXXX/2016 AND ADVISED I HAD TO GO DOWN TO THE IRS OFFICE AND OR WEB SITE TO GET TAX TRANSCRIPTS. AGAIN THEY ADVISED THEY WERE DOING ME A FAVOR ( XXXX XXXX ) WITH ALL OF THE CHAOS WE COULD NOT FUND TILL THE XXXX HOUR AND NOT DO THE WALK THROUGH IN A TIMELY MATTER. THEY ALSO WERE ADVISING ME THAT I NEEDED A SCHELDUE C, WHEN IN EFFECT I DID NOT. THERE WAS A LOT OF UNCERTAINTY WITH THIS COMPANY. I HAD TO CANCEL THE LOAN BECAUSE OF THE LAST MINUTE UNCERTAINTY. THE BUILDER WAS READY TO CHARGE ME {$500.00} A DAY ON A PER DEIM. I DID NOT HAVE TIME TO EVEN DO MY WALK THROUGH. WHICH THEY SAID I CANCELLED. THE BUILDER THEY WERE WORKING WITH ( XXXX ) TOOK MY {$5000.00}. BROOKHOLLOW MORTAGE ADDRESS IS XXXX TX XXXX THERE NUMBER IS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank had a promotion which stated if you opened a checking account with them and deposited XXXX for one month and XXXX for 3 months they would give you a {$400.00} bonus. I fulfilled all the requirements in XXXX. According to customer service I was supposed to receive my bonus in XXXX. I called in XXXX when I had not received it and they said I had to turn in a XXXX in order to receive the bonus. That was never in the advertisement and fine print and they do n't ask for it until the very end when you are expecting your bonus. I called them again and they said they finally received my XXXX and that I should automatically receive the bonus in XXXX and to contact them should I not see the bonus and they would automatically apply it to my account. I check in XXXX after my statement closes and still no bonus. I send them a message that the bonus still has n't hit my account and they reply back saying they will open yet another investigation into the matter. I feel very deceived and abused by Citibank 's practices that they have not yet honored the terms of the conditions in which I was supposed to receive the bonus as a new customer. The investigation stated I might not receive a response for yet another 30 days which I feel is unfair as I had met all the requirements in XXXX and submitted the XXXX in 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 2021-09-30
Company: EQUIFAX, 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, XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Reason : FDCPA section 807 Violation misleading false reporting Company name : XXXX Account number : XXXX Reason : Late payments on a charge off account is a violation of the FCRA Law Company name : XXXX Account number : XXXX Reason : This account does not comply with the FCRA law such as having a past due amount monthly terms and different dates of last activity Company name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation