BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX, an Incoming Wire of {$3100.00} was sent to my checking account at Truist Bank. This was sent using the historical SunTrust Wire instructions. The Sender ( XXXX XXXX  ) provided Wire Transfer Confirmation showing that the XXXX XXXX was successfully processed on their end on XXXX. 

On XXXX, I went to the Truist Branch in XXXX XXXX and spoke with Branch XXXX XXXX XXXX. I provided him a email from XXXX XXXX containing the {$3100.00} Wire Transfer confirmation on XXXX & he followed up with XXXX XXXX department & told me to check back the following week. 

The following week, I followed up with XXXX and was told that this domestic Wire could take until XX/XX/XXXX to hit my account. I asked him why so long & he said that was what the XXXX dept had told him. I told XXXX that it doesnt make sense for a domestic wire to take more than a week to clear. XXXX told me that there was nothing that he can do. 

I called the Truist Customer Service line & after waiting for 40 minutes on hold, was told that the Customer Service team can not provide information about Wires. I was given the phone number for the Truist XXXX XXXX XXXX when I spoke with the Wires Manager, she told me that she can not provide me any information about my Wire since Customers are not supposed to call the Wire desk. No help whatsoever! 

On XXXX, I went to the Truist Branch in XXXX XXXX, FL. After a XXXX hour Wait in line with other problem-riddled Truist Customers , the Branch Manager called the Truist Wire desk and enquired about the {$3100.00} Wire. After what seemed a half-hearted attempt, The XXXX desk says that it was unable to locate the XXXX & the Branch Manager suggested I make an appointment next weekNothing else she could do! 

At this point 2 weeks have gone by & my {$3100.00} incoming Wire is missing. I dont see anyone accountable/acting responsible to resolve any issues. I Banked withSunTrust for many years & their Bankers were always able to find solutionsbut within a short time after the Truist merger, I am missing money & have no confidence in this Bank.

Very dangerous to have unsupervised kids playing with my Money & no-one accountable to answer where is my {$3100.00} Incoming Wire

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 2017-05-25
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I recently transferred all of my loans to fed loan servicing ( as to prepare to qualify for PSLF ) and have run into several problems with this agency. On  XXXX   XXXX  I received notification that my re-certification for income driven repayment was due. I submitted all necessary paperwork  XXXX   XXXX  however my re-certification was denied. When I spoke on the phone with fed loan servicing they stated that I applied too early, however per the letter I received in the mail re-certification is due by  XXXX   XXXX  and so submitting  XXXX   XXXX  does not qualify as being " too early. '' The customer service representative did not understand what was going on and submitted my case to be " reviewed '' however I am very worried, given the number of errors that have already occurred with this agency, that this will not be done in a timely manner. I fear that I will miss the deadline ( even though I have already submitted all necessary paperwork ) and will thus forfeit my ability to continue to use IDR. Please note that I do have  XXXX  re-certification dates,  XXXX  in  XXXX   ( f or which I received the recert letter mentioned above  )  and  XXXX  in  XXXX .     Thank you very much for your time in this matter.     Sincerely,  XXXX   XXXX  Attachments :  ( 1 ) L etters from  XXXX  dated  XXXX   XXXX ,    2017  requesting me to submit  IDR  annual re-certification ; (  2 )  my IDR re-certification paperwork ( with my tax return ) submitted on  XXXX   XXXX  ; and  ( 3 ) email f rom MyFedLoan on  XXXX   XXXX  indicating that my IDR annual re-certification was denied. All attachments are assembled into a single PDF file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This letter is a formal complaint that you are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( 611 ) ( a ) ( 7 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 
I demand the following accounts be verified or removed immediately. 
XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: GA
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 have hard inquiries that I didnt authorize, and its hurting my ability to obtain credit. Below Ive listed all the inquiries I want deleted immediately. 

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. Please delete immediately from XXXX XXXX. And items Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized these hard inquiries please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called XXXX  XXXX  to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that are not mine except the XXXX  XXXX  account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my 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 non-monetary relief
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called XXXX XXXX to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that are not mine except the XXXX  XXXX account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my 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 2022-10-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
This letter is in response to your correspondence sent on XXXX, XXXX, XXXX regarding unauthorized charges on my American Express corporate account totaling {$42.00}, XXXX and your correspondence sent on XXXX, XXXX, XXXX regarding re-billing of unauthorized charges of {$10000.00} that were credited to my account in XXXX, XXXX. Billing reference # XXXX and # XXXX. 

American Express reversed the credit of {$10000.00} XXXX months after the investigation closed and {$42000.00} over XXXX months after the report was filed on XX/XX/XXXX. 

I am reasserting once again that the billing errors on my account have resulted from the unauthorized activity. I am reasserting once again that I have not shared my account numbers with anyone. 

Please, provide me with documentation supporting your decision to deny the claims. 
I need to see documentation regarding each charge that was reversed as well as copies of signed receipts. 

I am requesting that you reevaluate your decision, and adjust my upcoming billing statement. 

In addition to unauthorized charges on my American Express account I have not been credited for a charge in the amount for {$10000.00} that I disputed XXXX times for item not received. The charge posted to my account on XX/XX/XXXX. I have provided American Express with plenty of documentation to support my position. Please, review my documentation and issue proper credit. Thank you. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Multiple hard inquires on my credit report that could be fraud and I don't recognize.

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 2022-08-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-01-25
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have supplied Equifax with evidence, several times, that both of my tax liens have been paid. They have still not updated my credit report. Equifax is the only reporting service showing these liens in an unpaid status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are illegally reporting inaccurate information on my 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 non-monetary relief
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are illegally reporting inaccurate information on my 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 non-monetary relief
Consumer complaint received 2015-05-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed a dispute with equafax regarding a tax lien and a medical bill. Both are paid and tax lien is reported released. However, the medical bill should of never been filed as collections because notice was never sent out to me telling me my insurance did not pay all of the bill. It was preventive care with a copy and insurance always pays 100 % for preventive care along with copay. As for the tax lien it was paid and it took over a year to get through the right person to show paid and released. The state of Ga revenue office had to file with the county that issued the lien and back and forth with paper work that took over a year to get them to send documents to eachother. Which resulted in incorrect dates showing when it was paid. I disputes several times and only got back completed results showing the debt was mine. I did n't iniate a dispute because of that. I iniated a dispute over information wrongly reported to credit agencies. I want the investigation process revealed to me and XXXX XXXX and XXXX XXXX to show that they did inform me of such money owed to them before sending to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received a notice from XXXX that XXXX XXXX Banking at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX inquired on my credit report on XX/XX/XXXX however, I never granted them permission. This shows as a soft pull but I still feel it 's a violation. They were included in a Chapter XXXX BK I filed in XX/XX/XXXX and feel that they are " checking up '' on me. They were very nasty to me when they found out I filed Chapter XXXX back in XX/XX/XXXX and I am positive I have not given them permission for any credit pulls since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Disputed a judgement on my report several times and within a couple of days I would receive a response from Equifax stating the investigation was complete and information verified however I never received any verification or proof that information was verified. Before knowing that I could file a complaint with FCRA, I filed a complaint with XXXX and received a response from Equifax stating that after investigation the Judgement was deleted from my report however it is still reporting on my report. I have attached a copy of the response that I received in regards to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Per conversation with CFPB this morning, I was advised to respectfully request please attach all documents from case # XXXX to this complaint against Equifax Reporting Agency Credit Reporting company 's investigation ... into Creditor name/info, balance, payment, etc./ Account status -- Paid bill on time, account closed, etc./ Personal information-Wrong address, etc. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: Ability Recovery Services, LLC
State: SC
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 XX/XX/2020, I sent a third party letter to Ability Recovery Services, requesting any contractual agreement between me and their agency. To this date no proof of validation has been submitted to me as demanded. I have never done any business nor do I wish to do so. The alleged debt is in the amount of {$1200.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Ability Recovery Services has failed to validate this alleged debt within the 30 days allotted time frame pursuant to 15 U.S.C. Section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.

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 2022-03-27
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was an erroneous bill, I cancelled XXXX insurance  and paid off the entire amount and still I was sent to collection. The collection company harassed me on the phone at odd hours, and forced me to pay this debt without even validating this debt and even failed to mark the account as dispute. 

This has caused me severe financial and XXXX XXXX has diminished my buying power and has caused me XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
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 Wednesday,  XXXX   XXXX , I received a letter from Equifa x Information Services stati ng I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list  XXXX  so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my student loans to XXXX in full, then closed my account. My spouse, who passed away, also had student loans with XXXX. After she died, XXXX tacked her charges to my account -- -even though my account was closed. 
I submitted a complaint with the XXXX about it. XXXX XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; contacted me as my advocate at XXXX. 
He told me that the charge had been incorrectly added to my account. Moreover, he told me that the balance would be removed, and the credit bureaus notified. It 's been over month and a half since he gave me this update, and XXXX has not updated the bureaus. 
XXXX XXXX also has not returned my follow-up email or my call after I inquired about the lack of change. Please help me.

Company response to consumer: Closed with explanation