BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
Company: SUNTRUST BANKS, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
SunTrust Bank located in XXXX, Nebraska XXXX XXXX. XXXX XXXX has open without my permission account No : XXXX and they issued PIN XXXX. 
SunTrust Bank has opened two more accounts in XXXX, Tennessee XXXX. Accounts ends with number XXXX and XXXX. 
There is now way to talk to SunTrust representative in USA, all calls are redirected to XXXX or other country. 
SunTrust had used my Social Security number and personal information. 
I have never asked or gave permission to open any types of accounts at SunTrust Bank. 
Would you please help me to solve Identity Taft by the SunTrust Bank. 
SunTrust Bank SunTrust Bank XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX XXXX, TN XXXX Phone 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 2017-04-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted equifax on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX {$180.00}, XXXX {$43.00} and XXXX {$48.00}, XXXX {$2300.00}. After properly disputing these accounts four times i received a letter from equifax stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent Equifax the letter i received. Equifax still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either XXXX. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX, I have multiple disputes with the company and Equifx credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that XXXX magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Equifax has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of reinvestigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Equifax is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Student Loan Financial Assistance
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX I finished my payments to XXXX XXXX XXXX XXXX, which is a student loan rehab program. on Friday XX/XX/XXXX, I responded to a voice mail from XXXX. It was a company called Student loan financial assistance ( SLFA ). They were claiming to help me with my new federal student loan repayment options. When I called SLFA I spoke with a man named XXXX. He said I qualify for the student loan forgiveness program. He said my monthly payments can be {$0.00} after I make three payments of {$170.00}. XXXX asked me to email him my proof of income, checking account information routing and account number, Social Security number, and a picture of my last billing statement form XXXX XXXX. He then emailed me a 15 page agreement to sign off on. This was all done while on the phone with him. Once I e-signed the documents, He stated all I had to do now is make the three payments of {$170.00} in three months and after I will have a monthly payment of {$0.00}. I made my payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I thought my loan was in good standings now. In XXXX I noticed I received a bill from XXXX  stating that I am pass due on my student loan payments and need to pay {$220.00} by XX/XX/XXXX. I was confused because I obviously though SLFA took care of this. I called XXXX on XX/XX/XXXX and explained to them everything about SLFA and they said I was scammed because they are the company in charge of my student loan repayment options. And they had never heard anything about or from that company. after going back and forth with XXXX and SLFA each company was telling me the other is the scam. Confused and upset, on XX/XX/XXXX I called studentloans.gov and spoke with the Student Loan Support Center. They assured me that XXXX was my true loan company and SLFA was a third party scam company that charged me a total of {$520.00} for a service XXXX does for free! Student Loan Support Center advised me to get a new Bank account and call Social Security to make sure my information was not used by the fraud company SLFA. I called XXXX back and they put me in the Income-Based Repayment plan for free. And said I should have never been charged for this application. My loan is now in good standings with XXXX. SLFA is a third party scam company that claims they are going to help with the loan but they do not do anything. When I would call them they would talk very unprofessional and rude, even yelling at one point and saying comments like " do you get it now '' and would put me on hold for over 30 minutes and always had a different excuse on why they haven't done anything. Like " your file was put on hold, '' " your case is different from others so " its gon na take another 90 days '' after I ready made the payments. I never spoke with the same person and they all gave me different excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.

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 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
As a victim of identity theft, I am appalled that I recently was denied credit because of derogatory information ( a bankruptcy, liens and an authorizer user of a credit card ) on my credit reports. I notified all XXXX credit bureaus ( XXXX, XXXX and TransUnion ) about the inaccurate information being reported under my name. XXXX claimed that they verified that these accounts they are reporting under my name are accurate. I formally requested that they provide me with that the description of the procedure ( method of verification and any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed ) they used to determine the accuracy and completeness of this information and the name, address, and telephone number of each person contacted regarding these alleged accounts because when I contacted the courts, the county clerks informed me that there is no way that the credit bureaus can verify this information with them because they do not furnish information to them. I had placed a freeze on my XXXX account, so no information should not have been released by them either. I have also disputed the fraudulent credit card account with XXXX and they are not responding nor proved that this account is mine, which is a violation of federal laws. I requested that each credit bureau to clear up this matter because these items are entirely inaccurate and incomplete, and represents a very serious error in their reporting. I notified them that I would be maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. XXXX has complied with removing the liens, but the other XXXX credit bureaus are not. As in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XX/XX/1995 ), the credit bureaus may be liable for their willful non-compliance and If this is not resolved, I will have no choice but to file a claim against them due to defamation, negligent enablement of identity fraud and violations of the Fair Credit Reporting Act.

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 2021-12-14
Company: Experian Information Solutions 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:
VIOLATIONS OF THE FDCPA -- -FTC XXXX -- -- -RE : XXXX XXXX XXXX  Received report that the company certified the accuracy of an account that's not mine and I also certified that the account was not mine. I included and affidavit and well as my FTC report. Experian did not send me what they validated as accurate. Because if I certified it was incorrect and they claimed the company also certified it was accurate what method was used to do so because I did NEVER VALIDATED THIS DEBT which as a CONSUMER according to the FDCPA 15 USC 1692g I can ONLY validate this debt. WHo did they speak with what documents that I signed were used to come up with this accuracy they claimed. YOu also claimed I lived at XXXX XXXX XXXX and stated the company gave you that information I never lived at that address so that's innacurate. 
15 USC 1681 ( a ) 4 I have right to privacy and according to 15 USC 1681 ( b ) ( 2 ) nothing can be reported furnished on a consumer report without their signature.I never signed anything or gave XXXX or experian the right to share my information. 


THESE ARE ALL VIOLATIONS OF THE FDCPA. NEXT YOU WILL FILE THIS IN COURT.

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 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted 2 wire transfers between my Bank of America checking account and my XXXX  brokerage account. I have successfully recently completed the same wires. One wire was for {$1000.00}, and one was for {$990.00}. Bank of America told me the wire transfer successfully went through, but the funds are not in my account. I called XXXX and gave them the transaction numbers, and they said they had not received them. I then called them back, and they informed me I had to pay a {$25.00} fee for each wire to initiate a trace. I didn't even know they could lose money while wiring it to myself when I had just completed one successfully a few weeks back. This amount is the vast majority of my paycheck, and I now do not have access to 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 2017-04-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I did NOT authorize all these charges to my credit card. Please REMOVE this XXXX from my credit card. I DO NOT want this service. There are XXXX charges which should be credited to my Credit Card. Thank you, JC Penney Card Holder.

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 2017-04-14
Company: Stellar Recovery, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not have knowledge of this debt and believe it is not mine. I have not had XXXX. This debt is being collected by not only this company but another company as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: LOGICOLL, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated automated phone calls, and then refusal to answer when I return calls or email back in an attempt to pay the debt. I have made every reasonable effort to pay my debt and have been unable to communicate to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: OH
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 have tried to dispute this with XXXX  and Experian in XX/XX/2021. This hasnt been resolved and is hurting my credit score.

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 2022-04-30
Company: TRANSWORLD SYSTEMS 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: Their investigation did not fix an error on your report

Complaint:
I was never invoiced in XXXX & XXXX by XXXX XXXX XXXX XXXX for ( 4 ) small outstanding amounts. Then, 4 collection accounts listed by Transworld Systems ( TSIXXXX ) under account numbers XXXX for {$100.00} ; XXXX for {$97.00} ; XXXX for {$100.00} and XXXX also for {$100.00}. When the collection reporting from Transworld listed against me and discovered by XXXX XXXX, I immediately resolved the debt by paying off with Transworld back in XXXX. I then tried to obtain deletion directly from Transworld and they refused. I then disputed with XXXX, XXXX and XXXX and XXXX deleted one account ONLY, namely # XXXX for {$100.00} refusing to remove the other 3. Additionally, the credit bureaus jointly have agreed to delete all MEDICAL COLLECTIONS in XXXX with balances under {$500.00} and paid in full. All ( 4 ) accounts above are under {$500.00} and were paid in full. Sadly, someone or somebody at XXXX and/or Transworld are having a good laugh at not removing the remaining 3 accounts. In principle, these remaining Transworld accounts should be deleted by XXXX so I can obtain credit score lift. In fact, the 4 medical collections from XXXX  never should have reached Transworld for adverse listing against me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
One month ago, I cancelled my XXXX XXXX Credit Card because I didn't need it. On XX/XX/XXXX, I got an alert through my email to check XXXX that a new card had been opened through XXXX XXXX XXXX XXXX. This is through Barclays. I never authorized or requested a new card. I did call to have the card closed. However it still shows open on my credit report. Plus, they still have my personal information.

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 2019-05-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Sometime ago I filed a complaint against Experian 's insistence that it could not temporarily unfreeze my credit report because I did not live at the address I lived at when I froze my account. I did not receive a response. In the interim, I did some research and found Minn. Stat. Section 13C.016, Subd. 4 which lists the steps to be followed in unfreezing a credit report temporarily. Experian has not complied with the law which essentially states that any information which substantiates a person identity is sufficient to unfreeze the account. If Experian wants to do business in Minnesota, I guess that it is stuck with the law. Thank you.

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 2021-06-15
Company: JPMORGAN CHASE & CO.
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:
In XXXX, Chase XXXX made 52  charges after I notified them of fraudulent companies operating illegally. Of these 52 charges, there were 34 Debit Charges totalling XXXX XXXXXXXX CAD minus 18 Credit Refunds totalling XXXX XXXXXXXX giving a total shortfall of exactly XXXX XXXXXXXX CAD. This is a serious calculation/computational error which I have tried relentlessly for the past 5 years since XXXX to explain, notify, and illustrate with all the two year 's worth of statements that they have furnished and kept on records which by law must be up to 7 years. 

I am extremely exhausted and devastated by this XXXX XXXXXXXX CAD loss which I have incurred as a result of Chase XXXX  Bank who so callously, negligently, and stubbornly refuses to believe what I have said, citing that it was my fault that I got into this mess and that they can not be held responsible for their own computation errors. This is unacceptable, unprofessional, and uncalled for. I am a paying customer of Chase XXXX, and I was not only defrauded by 9 investment scam companies but also I WAS ILLEGALLY CHARGED FOR PURCHASES I DID NOT MAKE WITH CHASE XXXX THIS IS ANOTHER FRAUD COMMITTED BY CHASE XXXX THEMSELVES AND IS A CRIME UNDER US PENAL CODE 1341 SECTION 18 PLUS SECTION 380 OF THE CRIMINAL CODE OF XXXX, WHICH CAN CARRY UP TO 14 YEARS IMPRISONMENT IF FOUND GUILTY. I NEED THE HELP OF CFPB TO ORDER CHASE XXXX TO PAY BACK THE ILLEGAL CREDIT CARD CHARGES OR ELSE FACE COURT ACTION. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I see y'all XXXX still XXXX playing with my credit u XXXX XXXX I WILL BE TA SEE YA IN XXXX GA MONDAY GOT XXXX MORNING BEETA BE READY CAUSE I DID THE XXXX  PROCESS AND Y'ALL REFUSE TO DO XXXX AND CFPB Y'ALL AI N'T XXXX EITHER TO LET THIS FRAUD continue tho until somebody get hurt cause XXXX out here trying and y'all think I 'm gone let u keep doing XXXX XXXX XXXX to me I THINK THE XXXX NOT I ask nicely to get that XXXX  XXXX off my credit SO DAT WEB SITE TO FIND FOLKS OK ... I 'm federal property and all debts are prepaid so how the XXXX all that negative XXXX get the XXXX on my credit but XXXX cause u put FREEDOM in a book u think a XXXX ca n't and want read y'all XXXX move in commerce every XXXX day but think we do n't kw wat the XXXX yall doing so it 's my on now NO KEEP PLAYING WITH ME ... .HOPE Y'ALL CATCH A XXXX AND GO 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 2021-12-14
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation