BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This NEW COMPLAINT is a supplement to CFPB COMPLAINT # XXXX. Now with prior unavailable documents. 

On XXXX XXXX, a firm I want to work for sent me a check covering my Trvl Exps {$2000.00} + salary of {$2800.00} + meal exps. {$450.00} = {$4800.00}. [ Check exh. ]. I received the check by USPS Priority Mail. Once I got the check, I deposited it by my cell to my SunTrust account. 

I was told that I can get the funds in the next business day. NOTE : ( FOR 3 MONTHS I was wanting to get the legal job. ) SunTrust Bank Mgr. was told. He denied my with-drawal, delaying my job for a full month, now XXXX XXXX to XXXX XXXX On XXXX XXXX, SunTrust illegally faked by fabricating some Claim of Fraud. 
NOT telling me ANYTHING ABOUT it. 
On XXXX XXXX, I got from ST my final acct. statement [ statement exh. ] After I filed a consumer complaint against ST, I received a letter from ST, [ XXXX XXXX XXXX ] refusing to release, pay me my balance in my acct. ST. verified funds had cleared, {$4800.00}. 
XXXX XXXX bank statement ]. In that state-ment, [ circled in red ], SunTrust [ took out {$400.00} ], leaving my final acct bal., [ circled in red ], the XXXX XXXX is refusing to send to me. 

XXXXn ST 's XXXX XXXX letter, [ highlighted in yellow, boxed in red ] that I have to get from XXXX XXXX XXXX a certified letter proving to ST ( 1 ). I am [ 2 forms of ID given to my local XXXX Branch mgr. ] and ( 2 ). That I [ name on check ], was the real person the check is payable to. 

On XXXX XXXX, I called XXXX XXXX XXXX XXXX Regional Ofc, XXXX XXXX [ phone no. top ST XXXX, XXXX ] and spoke to C/S rep., who told me after I explained to her what criminal activities ST was wanting XXXX to do XXXX [ Ref. ST XXXX XXXX XXXX. ] The C/S told me that her office will not do what ST wants after she received by email, the copies of what ST sent me that CCB has verified that the funds are intended to -- for me based on the correct routing number, account number, and pay to the order with my name spelled correctly. [ Ref to Check ] and Bank cert on the check. 

Therefore, I am demanding XXXX XXXX be prosecuted fir its same ongoing criminal acts as XXXX is holding {$9000.00} of my money after 2 years, refusing to pay me it ; and XXXX XXXX  XXXX  is illegally holding my {$9900.00} from 1 year ago, each FTC, CFPB, FDIC, and FBI are not prosecuting on 10,000+ other victims of those banks. 

Thus, I want my money to be ordered to be sent to me ASAP. 

Finally, under the Fed. Cr. Code 18 U S.C. Secs. 2312, 2112, National Stolen Property Act, SunTrust Bank, XXXX, and XXXX XXXX  must be held liable under that criminal code.

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 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is still reporting my account XXXX as opened, even though it's fully been closed according to the company. This must be corrected by the credit bureau to correctly reflect that it is closed

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 2016-08-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have unauthorized credit inquiries on my Experian Credit report Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company keep calling me many times, even i told them, do not call me again, but they changed calling number keep calling me, it is really bother me a lot, even today, XXXX  day eve, please help me to stop it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Issue Summary : I initiated the transfer of {$40000.00} dollars on XX/XX/2020 to my fathers account in XXXX via Bank of America account ending in XXXX. 

I got a notification on XX/XX/XXXX that the transfer is completed. The Bank of America charged me transfer fee of {$45.00} dollars along with {$40000.00}. After one week of completion, I contacted Bank of America and inquired about that my father has not received the funds and what is the status. The wire transfer department said that they will let me know. They called and asked me few questions about the details of income source/proof, relationship to my father and proof of citizenship. All of that info they already have since I have transferred the funds to my father several times using same account to support the family. 

Bank of America confirmed that there is an audit going on by the intermediate bank and they have provided all the information regarding my status of employment/funds/proof of residence. And the transfer should be completed now. 

It has been over a month ; I have been calling them every day to inquire and they are not letting me know about my money. Several times, they have transferred me to fraud department, customer services and even hung up on me that they can not help to retrieve this amount. 

I have cancelled the transfer on XX/XX/XXXX and they assured that I will get my funds back but still nothing. 

I am very frustrated, and it is very evident that they dont want to help me, and they are not making any efforts to get this amount back to me. They have also not let me speak to their supervisor.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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 Reporting act XXXX 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

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 2016-04-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Complaint XXXX XXXX : Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, 1. Bank issued me a XXXX XXXX XXXX XXXX upon which I obtained loan in the amount of about {$15000.00}. The balance as of XXXX XXXX, XXXX was {$16000.00}. 

2. Chase Manhattan Bank assigned the debts to an XXXX XXXX XXXX XXXX without any intimation to me. 

3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest. 

4. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed. 

5. On XXXX XXXX, XXXX XXXX income execution was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal. 

6. On XXXX XXXX, XXXX I made an Application XXXX to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order. 

7. On XXXX XXXX, XXXX, I filed XXXX subsequent XXXX 's to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate. This time the claim had increased to {$45000.00} and was denied. 

8. Appeals to the XXXX Court were also denied because they were not perfected as I filed XXXX as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. Interest@30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment. 

10. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK
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:
We received a notice in the mail from Complete Payment Recovery Services , Inc. of XXXX, AL demanding payment for a returned check # XXXX for {$460.00}. The notice was addressed to " XXXX XXXX. XXXX XXXX. '' We are now receiving frequent recorded massages on our landline phone demanding immediate payment. That is not the name of our company. We are a husband and wife marketing firm with no employees and do not issue payroll checks. Nor do we show in our records any check numbered XXXX for {$460.00}. We called the number provided on the notice ( XXXX XXXX XXXX ) after talking by phone with a representative at the Consumer Finance office. The person we were finally able to get ahold of at Complete Payment Recovery Services , Inc. was very rude and kept trying to get more information from us, saying she needed more information about our company in order to answer any question we had. We did n't give her the information she was requesting. ( Example : full names, name of company, etc. ). We explained we were going to file a complaint with Consumer Finance and hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chexsystems is reporting that I have some kind of defaulted or NSF Check or account and therefore I am unable to open a bank account. I filed a complaint with Chexsystems and they say No Information Found, yet they still report me. My Consumer ID is XXXX XXXX XXXX. This is incorrect and needs to be corrected immediately. They have provided no information to support their reporting. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MO. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

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 Have All 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.

All of the accounts listed above have violated BOTH of my federally protected rights.

Delete all of these accounts immediately, or be held {$1000.00} per violation.

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 2017-02-10
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My daughter had a bill with XXXX XXXX in XXXX tn. She was an adult at the time of service but they put me as a guarantor but i signed nothing. They also disclosed info to me about my daughter and turned the bill over to collections to frost arnett company in which i never received the first bill from the XXXX. I advised them this better not go on my credit because she is XXXX and adult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX accordance with Fair Credit Reporting act XXXX Account # 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

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 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 2022-05-13
Company: TD BANK US HOLDING COMPANY
State: MD
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 Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card under on open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: M&T BANK CORPORATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened an account with M & T bank online on XXXX/XXXX/15 and immediately funded it with an automated transfer of {$500.00}. A little over a week later I got a letter requesting that I fax in a copy of my DL, Social, and utility bill for address verification which I did on XXXX/XXXX/15. Fast forward to today, XXXX/XXXX/15 and I have not heard anything back so I called M & T bank to find out the status and I was told that they still have not reviewed it and my {$500.00} was on hold. I demanded that my account get shut down and my {$500.00} returned but I was told that could not happen until they reviewed my information that was faxed and released the hold on my account. I asked how long that would take and I was told it would take as long as they want, which would render my {$500.00} hostage until they got around to figuring stuff out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Northland Group Inc
State: MD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already payed all my debt to the debt collection agency that I had owed back in XXXX because after I paid that amount I did not hear from the agency again. 
Now in XXXX, I get a letter from a different collection agency that I owe some other amount to the same creditor I had dealt with back then. 
I called the creditor and they had no information of mine besides what was noted from the previous debt collection agency. The previous debt collection agency did not document the full transaction. The creditor said that they changed debt collectors and the new one has gone far back as XXXX to collect debt. 
Unfortunately, I trashed all my documents that were dated back XXXX years ago and I 've also contacted my bank asking for statements from back then but they do not go as far back as XXXX years. 
I had high hopes in getting my bank statements because that would give me evidence that I paid more than what the creditor is asking. 
But I have no evidence of paying besides my memory and my letter to the debt collection agency I had saved in my email. 
What do I do? 
I have until this Friday for the debt collector to do something against me. I really do n't want to pay for something I already paid and am very upset about this whole mess. 
I do n't want to pay the creditor for something I already paid XXXX years ago and am just really upset this is happening. I 'm sure this is another way of scamming people of their hard earned money ... this is just unfair! 
Please help!! 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: Accelerated Financial Solutions, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently disputed a claim on my credit report last month about a company called Accelerated Financial Solutions who had turned in a bad credit on my report. They had that the original creditor was a XXXX XXXX XXXX. for XXXX {$.00} I do not know who these people are and have never heard from them before. So the credit bureau was looking into this and undoubtedly contacted them. I get a letter today XX/XX/XXXX telling me that I owe these people this letter is from them so I called them and talked to a person which unfortunately I did not get her name but I called to tell them that I was disputing the claim and she asked me if my last XXXX social security # was XXXX and I said yes then she asked me if I had had an account with this certain bank in XX/XX/XXXX. I told her yes I thought I did at that time. She then preceded to tell me she was a debt collection company and that they were trying to collect a debt that I owed in XX/XX/XXXX from this XXXX XXXX. I told her I had never had an account with this company and that no deposit of XXXX dollars was made into an account on XXXX XXXX for me from a loan. I also told her that just because she had the name of a bank I had banked with and my social security number did not prove that I owed this money that you can get that information off of the internet on sites that you look up background information on. She then informed me that unless I send them my statements from the bank to PROVE to them with in 30 days the debt would stand and they would not take this off my credit report. I thought the law stated they are the ones who had to prove the debt was owed and also had to supply me with the original creditors. Then on top of everything else they actually have this on all XXXX credit reports listed XXXX times under XXXX different account numbers and after I got off the phone with them I called my bank told them what was going on and they have supplied me with those statements and no where on the statements does it show me having a deposit of XXXX $ It shows my XXXX check going through but that was a totally different amount. It also shows that before my XXXX check went through I was over drawn and when the deposit came through it showed the overdraft being taken care of it also does not show a amount being debited or credited for that amount on or around XXXX XXXX of XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A merchant submitted an ACH 2 1/2 weeks after the transaction occurred. The bank reversed all my already posted transactions, apples the two week old transaction then reapplied my already posted transactions charging me in excess of {$90.00} in overdraft and will be charging me additional overdrafts for the reversal. When asked, they could not assist. The call was recorded and upon transfer the call was dropped. I then return call and asked them to refer to system notes. Representative advised there were none and that they do not keep account servicing notes. XXXX calls have been recorded by me XXXX

Company response to consumer: Closed with monetary relief