BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/22, I deposited a check written for me from my college XXXX account ( XXXX XXXX XXXX XXXX ). I was advised that the check would be held until XX/XX/22. When I could finally access the check when it posted on XX/XX/22, I realized my account had been frozen ( no notification from my bank Truist ). 
I went to my local branch and was advised the check was marked as fraud and needed to be investigated. It has been 4 weeks to the day now as today is XX/XX/22. NOTHING has been resolved. I have been told to provide proof that the check was for me, which I did get documentation from the XXXX  XXXX XXXX XXXX and submitted it over two weeks ago. 
I had multiple 4 way phone calls between me, the account holder for the XXXX plan ( my Aunt ), a rep from the XXXX  XXXX XXXX XXXX, & a Truist Fraud Rep. Yet, they say call back in 1 more business day or 3 more business days just for nothing to be resolved. I havent been able to access ANY funds in my checking account as my whole account is frozen. I can not pay any bills nor access direct deposit from my employer. All of my bills companys are charging me late fees as well as returned fees. It is ridiculous and Truist is no help at all.

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 2022-08-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I don't want to wait another two years to receive my funds. 

Back in XXXX I filed a case in the XXXX XXXX XXXX Courts to have the state of my late grandmother administered. They ended up appointing some attorney name XXXX XXXX as the administrator of the estate. Doing her time, she's made a lot of errors in handling and closing this estate. However, that's not here nor there. Recently the house that was the only thing in the estate was foreclosed on in XXXX in XXXX which left some surplus funds for the heirs. The attorney didn't file to close the estate until XXXX of XXXX. The estate was finally granted a closure by the XXXX XXXX courts in XX/XX/XXXX. 

She issues us/me a check. I went to deposit the check and it got flagged by Chase Bank. Chase will not issue me the funds because they can not verify the issuer of the check which is XXXX XXXX the estate administrator. They are trying to verify her through a third-party system by the name on the check that she issued. They also ran her business phone number and it's not coming up. XXXX XXXX name is currently XXXX XXXX which was formerly name The Law Office of XXXX XXXX XXXX. She also recently moved to a new location. However, none of this with Chase Bank matter. I assume that when they run her phone number XXXX through a third party that it comes up under her old business name. 

Because of her lack of understanding and having never dealt with anything like this she is refusing to help me help Chase verify who she is. I've had her on three-way calls talking to a bank representative and she still don't understand what she needs to do. On XX/XX/XXXX we told her to cancel the check and reissues it. However, she refused to do so. She is calming that she will reissue a check once the funds are returned to her. however, she's not understanding that Chase Bank will not reissues/return the funds or check to either of us! 

Chase is calling it fraud and she's thinks I am playing game. Chase has told me that in 10 business days they will close my account and hold the fund in suspension for up to two years before it is release to the state of GA. At which point I will have to go through some unclaimed funds process to get my inheritance that I've been waiting on since XXXX. My grandmother has been deceased almost 22yrs.

Because the estate is now close under the courts authority she has no obligation to me, and I can't go to the courts for help! 

I have been fighting these issues since XX/XX/XXXX with no results. XXXX XXXX can be reached at XXXX or XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: NJ
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:
EXPERIAN has my private information that includes account numbers, my social security number & more with out my consent. This is aggravated identity theft. They do not have my written instructions to furnish a consumer report and/or credit report. They are continuously willfully not complying with the law and ignoring my demands to remove XXXX XXXX XXXX XXXX and XXXX from their system and off of my consumer report which they call a credit report.

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 2022-09-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 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
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

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 2022-09-23
Company: Aspen Yo LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have applied for Mortgage Assistance through the XXXX XXXX  XXXX XX/XX/XXXX. We have been through HUD counseling and they have reached out to our lender via fax. We were in a loss mitigation process with them until their offer dated XX/XX/XXXX where they wanted almost {$20000.00} to restructure our loan. We had until XX/XX/XXXX to respond. We did not receive the package until the week after XX/XX/XXXX. 
I have a nervous disorder and the XXXX of the XXXX  and our financial situation during it ; i became ill. I did have a mild breakdown in XXXX if XXXX and sought medical advice during that time. My system shut down on me. I could not handle the paperwork or the XXXX. I have handled all during our 37 year marriage. I did file the paperwork on XX/XX/XXXX and included the foreclosure papers which expedited our application immediately to the foreclosure department. We are asking that the CFPB investigate Gregory funding on their legal fees etc and handling of partial payments on our account during the pandemic and now. 
I spoke directly to the loss mitigation department yesterday and they are unwilling to postpone the sale of our home on the courthouse steps on the XXXX of XX/XX/XXXX. 
I did contact their attorneys yesterday also. I forwarded them the hardship letter from HUD where we went through counseling with them and have shown our ability to afford our mortgage now. Plus we sent the notice posted by CFPB regarding homeowners rights in the application process for assistance from the XXXX XXXX XXXX in XXXX of XXXX, and their scrutiny of lenders who do not honor the process to help their mortgagees in this process. 
We The attorneys told me they would speak to their client and call me back. Due to the time sensitivity of this matter ; i have previously filed a complaint during the pandemic when they tried to foreclose when the moratorium on foreclosures was lifted in XX/XX/XXXX. We have satisfied {$10000.00} of the {$11000.00} we owed them. We filed a Chapter XXXX on XX/XX/XXXX, XXXX had sale date then of XX/XX/XXXX. We had to refile a XXXX in XXXX of XXXX when my husband lost his job The Friday before XXXX XXXX. Through the two bankruptcy filings our mortgage balance increased. We will refile a XXXX to stop the foreclosure but think that is waste of XXXX Bankruptcy XXXX time attorney time and more fees added to our already ridiculous fees on our account. 

Thank youfor your assistance in monitoring these lenders and their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Apex Advising LLC DBA Apex Credit Fix
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Apex Credit Fix is fraud. Website payments are misleading. They should be required to inform people that you will be paying third party services such as smart credit, which is a fee they dont add to their {$67.00} on their site. So I been paying about {$100.00} dollars a month. They used a credit boost to make score look higher but it disappeared after a week. I started with this company in XXXX, its basically XXXX, and I came in with a total of XXXX inquiries they couldnt remove XXXX but suppose to average XXXX in 4 months ( Which they now changed to XXXX months )? I asked the company multiple times about this and they just said they are sending disputes and it takes time, however XXXX disputes later nothing. It was a struggle to cancel my subscription. If someone says delete card dont go back and for with them for XXXX min. The " good reviews '' look fake and very redundant on XXXX. Someone needs to audit them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: LA
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:
I have already corrected information regarding XXXX XXXX and received fraudulent information stating I opened an account t with a name XXXX XXXX XXXX with XXXX XXXX XXXX which is a blatant lie. REMIVE this now before I sue!!

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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-08-22
Company: EQUIFAX, INC.
State: ID
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Company: EQUIFAX, 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 lost my wallet and I have these inquires on my report XXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XXXX/XXXX/XXXX This was an unauthorized credit inquiries Equifax Mortgage XX/XX/XXXX, XX/XX/XXXX This was an unauthorized credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX, 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 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
Consumer complaint received 2022-09-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello My name is XXXX XXXX and Transworld Reported Negative Activity on my credit report. I never applied for any for XXXX XXXX XXXX. I am disputing this. Company stating I owe them XXXX. I'm disputing not sure how they were able to get my personal info. 

Thanks for checking into this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recall any of these inquiries to below and had already filed an identity theft report. 

CITI CARDS CBNA, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX CITI CARDS XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-07-03
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Someone used a XXXX cable in my name and social

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 2023-11-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, this is a formal complaint that XXXX is in violation of XXXX section 1681i ( A ) ( 1 ) ( a ). 
On XX/XX/2023 I sent XXXX XXXX a dispute dispute with the accuracy of XXXX XXXX. I have several accounts reporting in accurate information and XXXX of those accounts are duplicate XXXX loan accounts therefore they are reporting inaccurate and incorrectly., I was in disagreement with the outcome of a investigation on my XXXX credit services account # XXXX and I requested this company to investigate this plight to which they did not comply and as doing such they knowingly violated my rights. this inaccuracies and incorrect information is damaging my reputation and I am been denied funding and other opportunities because of this

Company response to consumer: In progress
Consumer complaint received 2023-09-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo does not respect or honor the funds of its customers like it regards its own money. This bank would still expect to be reimbursed for this money if it were their money. Wells Fargo would never just let someone keep the bank 's {$4000.00} regardless of how long or where the other party had possession of it. 

Several of my bank accounts and other online accounts have been hacked over the past 3 years or so by the same people. There were several charges that should have been credited as I complained shortly after they occurred in XXXX, XXXX, XXXX, XXXX, and XXXX. My other banks investigated and took care of the credits to my accounts. But Wells Fargo said they would look into the issue and get back to me. But nothing ever happened. When I went into the bank in XXXX they said they filed another complaint. However, they denied my claims. Still several outstanding charges remain unpaid. I want Wells Fargo to credit my account for the over {$4000.00} in unpaid claims for fraudulent charges occurring in 2022. This has become an urgent situation now.

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