BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with someone  at Southwest Credit Systems at appr oximately  XXXX  this mornin g (   XXXX   ).  He asked me to verify an incorrect addr ess ( an address I have not lived for at least 20 years ). I would not verify the address and he asked why I would n't. I told him that I had no idea who he was nor the   company he was with. Upon hearing that, he again told me the name of the company, but did not say who the original creditor was. He said " well since I have your address, I 'll read it to you and you can say yes or no. '' He read it again, and again I said no. At this point, I was irritated with him and told him that I was going to file a complaint with the FCC and he hung up. He called me from  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving harassing letters in the mail from a company by the name of  Portfolio Recovery Associates, LLC  demanding that I pay them for a debt that is not mine. I have seen this company on all three credit reports (  XXXX ,  XXXX , and  XXXX  ) I have DISPUTED with the bureaus by sending certified letters to each  one a sking the credit bureau and company asking for proof/valididty/andverification ; because I am not aware of EVER doing business with this company. I ha ve YET to get an y proof or signature or contract ; because there is no contract. I have disputed all of these accounts twice ; first attempt was  XX/XX/XXXX , second attempt was XX/XX/XXXX  After further research the second complaint I have is they will not validate the " debt ' they claim I owe to them. I did NOT sign a contract with this company and have never identified as such " debt '' with them. Next complaint, they are not licensed to collect in the state of Arkansas. The original company has been paid and my account has been closed with them. I have no relation ship with this company Portfolio Recovery Associates, LLC. Iv e never spoken with a representative and have neve r signed one singl e piece of paper or verified any information regarding my identity to them. As of  XXXX  I have sent out certified letters asking the company to cease and desist from contacting me or I will persue legal action ; as it is my right. This complaint with CFPB is my first step, and then legal action will follow. I have rights as a human being, a n American citizen and as a consum er and these companies are taking advantage of people whose debt does not belong to them and has already been paid. The company they claim they are on behalf of has told me I do not owe them a debt and the account is closed.  Portfolio Recovery Associates, LLC h as done inquiries on my credit without asking me and without permission ; this is a VIOLATION of my privacy and personal information that I DID NOT give them access to. I have NEVER given this company my social security number or spoken with anyone giving permission to run the credit report this is FRAUD! I have copies of the following inquiries placed without my permission Dates are as follows :  XXXX  :   XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  ....  XXXX : XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  ...  XXXX  : ill have to research but there is about  XXXX  on there as well. This company is illegally pursuing debt collection and it is not fair to the common people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I was informed via telephone that my business bank account with SunTrust was being closed. I asked why, I was told I would receive a letter explaining why and that any funds in the account would be mailed in a check within 10 days. Approximately a week later, I received a letter from SunTrust explaining that SunTrust had decided to end their relationship with me and again stating any funds that were in the account would be mailed to me. At the time ( in or around XX/XX/2020, I had already requested funds from the IRS be sent to my business bank account and I was not able to reverse that transaction. On XX/XX/2020 a direct deposit from the IRS was sent to my bank account and was received by SunTrust into the account that was supposed to already be closed. On XX/XX/2020 I called SunTrust to ask when I should expect to receive my check ( minus any funds that were owed to SunTrust ). I was informed that I would have to wait at least 5 days after my last transaction from XX/XX/XXXX ( which was a {$15.00} maintenance fee charged by SunTrust ) to receive a letter regarding my account being closed. I had already received this letter in mid XXXX. Then I was informed that my check would be mailed ( at some point ) after that letter, likely 10 to 20 days per the customer service representative. I would prefer to not wait another month for MY money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have sent money to Binance.us to trade crypto currencies and it was letting me trade my {$2000.00} USD that I sold of Ethereum to buy Dogecoin. I sold the Dogecoin and now they locked my trading or withdraw ability claiming I have not " Verified my Address ''. This has been going on since XX/XX/2021, goin on a month now. I have sent bank statements, utility bills, ID drivers license, and any other document that shows my billing address which is my XXXX XXXX and my physical address of where I live and they still haven't given me access to my funds. 

I have tried to reach this company through their ticketing system, and I get automated responses that do not lead to any answers. When I submit a document they reject it. I have emailed XXXX XXXX ( XXXX ), and XXXX XXXX ( compliance and risk manager ) twice and they have not responded to anything. 

I have messaged the XXXX " Binance.us support team '' and no response to multiple messages. 

I need to withdraw my money from this account because the platforms staff have been disregarding me and causing a hardship on getting my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX -- Bank of America closed a line of credit for {$16000.00}, with no formal notice or explanation. Received email and letter in mail, 1 and 4 days after the fact, notifying of me of this closure. 

XX/XX/XXXX thru XX/XX/XXXX Contacted Bank of America customer service via phone, and they refused to provide definitive motivation for the closure of my 14 year old credit card account. After speaking to 8 differnt representatives, including mangers, was informed to check my credit reports with XXXX, XXXX, and XXXX. Viewed all 3 reports online and no delinqencies over the past 16 years were listed. Relayed information back to Bank of America and was told that it could be due to inactivity, degrogatory marks, or deliquency, none of which I have. 

I am only seeking transparency as to what flagged a closure of this account as do not want to apply for a credit card and be denied for these same " mysterious reasons '' as Bank of America refuses to confirm or deny.

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 2018-05-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a complaint back in XX/XX/XXXX and spoke to someone at XXXX XXXX. That's how it was listed on my credit report then. Now it is listed on my credit report as XXXX. It was investigated by y'all, Equifax , and XXXX , and found that it was NOT my account and it was removed! Now it is back on there under XXXX. This is the SAME account that was listed under my credit report for the last 4 years under XXXX and three other collection agencies because it is not now nor has it EVER been my account. They even sent me an email and called and said that it was not my account. I want this taken off of my credit report. NOW!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
5/3 Bank did not reverse fraudulent charges. 
Fraudulent charges were not reversed for my son 's checking account after his card was stolen. Instead of resolving the issue they have sent the balance to collections. I have requested information regarding this account per their instructions and have not received any information at all. I was told that all information would be handled through the dispute email but never received a response and was never contacted back about the issue. Now instead of working to resolve the issue they have damaged my son 's credit score by sending this to collections without ever once contacting us to resolve it. 

So we were a victim first of malicious activity and then instead of helping us the bank made it worse for us by refusing to investigate the fraud properly. 

My son had {$230.00} in his account and after fraudulent activity they said he owes them {$4200.00}. 

Also it is unclear how every time i deposit a check into an account it is held for some time but when a fraudulent check is deposited into an account from an ATM for {$4500.00} it is not held at all and then the thief made purchases at 4 different XXXX  in the same day for {$900.00} plus a {$500.00} ATM withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My consumer rights have been violated by XXXX XXXX XXXX XXXXXXXX. Pursuant to 15usc 1692 ( h ) they are reporting multiple debts on my credit profile. 15usc 1692 ( f ) unfair practices, 15usc 1692 ( g ) there was no validation of debt, pursuant to 15usc 6801 the company violated my personal information. Also sharing my information without my direct consent.

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 2017-06-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been having problems with hard inquiries that I called the companies that did they hard inquiries with no results they had no permission from me to check my credit report, So I contacted  XXXX  and Transunion and they said to bad need to contact the company to dispute I told  XXXX  and Transunion and some of the inquiries I contacted the phone number was disconnected and the company didnt exist so I contacted   XXXX   and Transunion back they said they didnt care and will do nothing they allowed companies to check my credit and   XXXX   Transunion had nothing on file other then my name and still let the company check my credit file.

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 2018-12-05
Company: EQUIFAX, INC.
State: FL
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, so CFPB help me and delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was nothing to explain further. I have been sending letters to Experian and XXXX for months now and I have repeated myself over and over again. CFPB amp up and delete the accounts 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 2021-04-07
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
So it started on XX/XX/XXXX I was unaware at the time but I was being scammed by what I thought was a loan agency cause I had been looking to take a loan out to utilize my credit and build my score so I can get a XXXX XXXX loan. But around noon something they requested raised res flags so I followed through with the request and immediately Withdrew my funds from my account and called key bank. I said I had reason to believe that my account was compromised I wanted to know how to go about safeguarding and or preventing any breach or further breach. They assured me that everything was fine after 30 minutes of arguing with them because they literally refused to help. Said they could see the ip address and transactions th a t everything was fine even though I'd seen large amounts of money being moved from one account to the other. She said it was me I had just probably made a mistake or forgot. XXXX key bank has refused to look up that recorded call, in sure they know that had they taken me seriously and done their job when I came to them in the beginning none of this would have hsppened ) soi told them if they wouldn't help I'd just go to a branch and figure it out. So it was after closing hours but the time I was anywhere near a branch so the next morning 1st thing I went in and my accounts were all frozen because less than 2 hours after I called for help and was turned away {$6000.00} was mobile deposited into my account one with my name misspelled ( yet still went through ) and another which were both terrible replica social security and stimulus checks. So I reported everything immediately to the ftc and the police and saved pictures of correspondence with the scammers and pictures. And a month later I'm told I can't bank with them anymore, and they shut my businesses account down, my personal, my merchant services and they are holding me responsible for {$1700.00} of the {$6000.00} threatening to report it to ruin my credit. Didn't take my longstanding business relationship into consideration just kicked me out and treated me terribly and were very rude about it. I went to another branch to discuss it and figure out what I'm supposed to do and they said " what are we supposed to do about it? ". I'm going to pay them the XXXX cause I don't want my credit affected cause iv worked so hard to get my score up but I'm going to fight to get paid back every XXXX and then some.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my credit file, incorrect items was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified items without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon reviewing my credit file, incorrect items was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified items without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX CO Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX I Account Number : 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 non-monetary relief
Consumer complaint received 2021-05-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received letter from Wells Fargo with the subject : Confirming Overdraft Protection. The letter is confirming a request for an overdraft protection on a Wells Fargo Everyday Checking. 

I did and do not have a checking account with Wells Fargo.

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 2017-06-09
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On  XX/XX/XXXX  I called   XXXX   to have them remove a debt that has been reported on my account since J XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor   XXXX   could remove this item. Knowing the laws and my rights, I was very unsettled to hear that  XXXX  does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General 's Office of Colorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for   XXXX   to stop reporting this debt ASAP according to Federal law.
<P/>
Account that is past this 7 year record retention is as follows :    XXXX   XXXX   XXXX   XXXX    Acct # :  XXXX **** Original start date or reporting :  XX/XX/XXXX  Currently still on my credit report as of XX/XX/XXXX  This same account is also being reported on   XXXX   XXXX   and Equifax with a start date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting that the CFPB please inquire into the matter of Debt Collection Harassment committed by Hayt, Hayt, & And Landau for their client(s) XXXX   And XXXX XXXX  XXXX. I have asked them to provide me with proof (validation) of an alleged debt and in retaliation, they have gone ahead and filed a lawsuit when under the Fair Debt Collections Practices Act they are supposed to cease all collection efforts while they validate the debt. Furthermore, they have failed to update the credit bureaus to show “Consumer Disputes.” The list goes on with the unfair and harassing tactics they have used on me. 

This entire thing is really stressing me out and I don’t know why I must spend so many countless hours trying to correct these companies' mistakes. 

I’m requesting an investigation/inquiry into this matter.

I do not want any telephone calls from XXXX  or their debt collectors of ANY KIND and if I do I will consider it harassment.

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