BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Six months ago SunTrust Bank ( Truist ) unilaterally inactivated and closed my account seizing all funds. ( {$14000.00} ) During this period of time, I flew two times to the United States and visited several Bank Branches to get more information regarding my account status. No one was able to professionaly address the problem and explain to me how to solve it. 

In XX/XX/XXXX, I had to file a complaint through CFPB ( Case # XXXX ) in order to get a formal response from the Bank. I've got a final response letter explaining what happened and how to follow up, I will like to comment a few things regarding that letter : XXXX. I still dont know which Rule and Regulation for Deposit Account guideline or paragraph I allegedly violated?

2. Trusit inactivated my online account 6 months ago, how am I supposed to check those 19 transactions they said are out of the normal? If I have no access to my old bank statements.

3. I need the Bank to send me a detailed statement from XX/XX/XXXX through XX/XX/XXXX. Every day it goes by, it is more difficult to track all transactions. 
4. Back in XX/XX/XXXX when I opened the account, living and having proof of address in the United States wasn't a mandatory requierement. Why do they require that information now to be able to solve the problem? I have two addressess at the US, but I dont currently live in.

5. For this kind of process they should assign an agent to have fluid and constant communication with me. Their customer agent telephones ( XXXX ) are a nightmare, you can take hours for someone to answer your and when they do ; they do not know what to tell you...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THERE HAVE BEEN MULTIPLE ATTEMPTS TO HAVE CREDIT CARDS ISSUED OR EXISTING CARDS MAILED TO AN ADDRESS IN XXXX WHICH IS NOT MINE ( I LIVE IN XXXX, FL AND HAVE NEVER LIVED IN XXXX ). WE ENROLLED AND PAID FOR XXXX MONITORING. THEY REPORTED IN AN ALERT THAT A NEW ADDRESS WAS ENTERED ON OUR CREDIT REPORT. I CALLED EQUIFAX AND THEY SAID THE NEW ADDRESS WAS ADDED BY EXPERIAN AND THAT I NEEDED TO CALL THEM. I CALLED EXPERIAN AND THEY SAID THE REQUEST CAME FROM XXXX XXXX AND I SHOULD CALL THEM. I CALLED XXXX XXXX AND THEY SAID THEY HAVE NO RECORD OF ANY XXXX ADDRESS ON MY ACCOUNT. 
THE EXPERIAN CREDIT REPORT NUMBER IS XXXX DATE XXXX XXXX, 2016 THE ADDRESS THAT IS FRAUDULENT IS XXXX XXXX XXXX, XXXX, FL XXXX ADDRESS ID XXXX XXXX XXXX DOES NOT RECOGNIZE THE ADDRESS. 
I SIMPLY WANT THIS ADDRESS REMOVED FROM MY CREDIT REPORT SO SOMEONE CAN NOT TRY TO CLAIM THAT I LIVE AT THIS ADDRESS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( 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 2022-03-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchaed my home in XXXX. Since that time my lender has been Suntust Bank. Late XXXX I was notified, that Truist Bank would be taking over my mortgage account. Which was fine until XX/XX/XXXX when I received a letter from Truist stating that they would be changing the date of escrow analysis from XXXX to the month of closing. In my case that is XXXX. They also informed me in that letter that I would be responsible for paying any deficieny of the escrow account at that time. 
My escrow analysis is in XXXX, so of course there will be a shortage as now they are analyzing 8 months in advance. 
This is a way to make sure homeowners like me are forced to either come up with additional money or have their mortgage amount increase significantly due to the bank changing the rules to fit their needs. 
I called Truist two times and both times I was hung up on my the service representative and was told that the escrow department does not speak to customers.

I asked that I pay my taxes and insurance myself and they stated since I had an FHA loan this was not allowed and that I could refinance. AGAIN not an acceptable for financially beneficial decision to make.

The rep stated " I should have known the terms of my FHA loan when I bought the house '' I am fully aware of the terms! What was not in the terms is that if a financial institution takes over your loan that they can basically strongarm you into the rules they make up as they go.

This change will not only effect me, but I am sure thousands of other Suntrust customers. This seems like a great way for a bank to inflate a mortgage payment to an amount that a family has worked hard for will no longer be able to afford. Therefore leading to forclosure on a property the bank can now take over with a market vaule 10Xs what they bought the mortgage for. This is unacceptable.

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 2017-05-30
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COMPANY OWED  :  XXXX .  AMOUNT OWED  :  XXXX  as of  XXXX   XXXX ,  2017 . TURNED OVER TO COLLECTION COMPANY : IC System- XXXX   XXXX  MONTHLY PAYMENT  XXXX .   XXXX   XXXX   XXXX   . Is   charging an extra  XXXX  LATE CHARGE DUE EACH MONTH FOR I GUESS  XXXX ! Why am I paying  XXXX  extra each month AND ONLY  XXXX  dollars taken off amount due? They are tripling balance due with  XXXX  extra fee tacked on! IM NEVER LATE WITH COLLECTION PAYMENT AS IT IS AN AUTOMATIC MONTHLY SEDUCTION FROM MY CHECKJBG ACCT!   XXXX   NO.  XXXX   XXXX . Please help as I am senior retired female on  SSI!

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 2016-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a couple of accounts that are a result of identity theft. Some off it was removed from my credit report but there are a couple remaining items to be handled. My complaint is that this credit bureau is n't taking my case serious. I need this stuff removed b/c I 'm trying to rebuild the damage that was done. Went to XXXX and followed the steps. Please see documents. Thank you 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 2021-08-04
Company: EQUIFAX, INC.
State: NY
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
THIS IS NEW INFORMATION REGARDING XXXX AND XXXX Account # XXXX I have have summitted the Cease and Desist letter recently as they have just received/signed it on XXXX so XXXX can not say I sent the same information before. I am waiting for the letter XXXX claim they sent on XX/XX/14 which I requested to cease all communication as well the Debt validation including the audit trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently disputed an item I feel is inaccurate or does not belong to me. The credit bureau has failed to correspond in regard to this matter. I have sent several letters and received no response.

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 2015-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While reviewing my Experian credit report, I noticed that EXPERIAN has placed an ALERT/NOTICES OF RISK stating that XXXX XXXX XXXX, XXXX, NY XXXX, as pertained to business and XXXX XXXX XXXX, XXXX, XXXX XXXX, as well. This adverse information is inaccurate and to permanently removed. 
I noticed that an unauthorized inquiries was initiated by XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; and XXXX on XXXX/XXXX/2015, by employees of this companies without my written consent in serious violation of my Privacy Right Act and FCRA. I have requested that any evidence be sent to me within 5 business days to support my consent of the inquiries.However, my request has been deliberately ignored by these companies and EXPERIAN has failed to properly investigate the matter as required under the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Experian and others have refused to explain why my score bounces up and down. They give me the standard reasons that make no sence at all. I have never had a missed, late or not made a payment. I did exactly as they told me, get more credit but every time I do my score goes down. They told me I should get a mortgage so every time a mortage company checks my credit I loose up to XXXX points even after I am told it won't affect my credit. Now how is that fair to be penalized just for someone checking my credit? I am XXXX It Takes months to get back the points they steal in XXXX seconds. I will be dead before I can buy a House. I am living in a friends driveway in my Motorhome. I don't want to live like this. PLEASE DO SOMETHING with the credit reporting Company 's.

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 2022-07-15
Company: DISCOVER BANK
State: OK
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 did not permit DISCOVER XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To run an inquiry on my credit. I have not written anything saying that I was interested in. I don't even shop with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking and savings account with US bank in 2018. When I opened this account I opted OUT of their overdraft coverage. Months later my account over drafted and I contacted the bank to say again that I had opted out of their overdraft coverage and that if there was no money in the account nothing even for {$2.00} should clear this account. 

US Bank repeatedly ignored my requests and overdrew the account again after I'd cleared up their first round of fees. This time the account fees snowballed until they charged off the account and sent a collection amount to the tune of XXXX to Consumer reporting agency XXXX  and even labeled it as a abuse! I rarely ever used this account. There's no way I could have abused it. 

Consumers have the right to opt out of debit coverage that causes their accounts to be overdrawn.

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 2016-07-24
Company: Jana Ferrell & Associates LLC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I did n't have any knowledge about this account to be send to a collection agency. The bank never contacting directly about this bill issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: TX
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 ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME { XXXX XXXX, XXXX OPENED : XX/XX/2021 AMT. 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 2022-07-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$250.00} ; XXXX XXXX  XXXX Balance : {$0.00}

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 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for Bank of America business credit card on XX/XX/XXXX. I have not received any information from the bank about the status of my application. Application Reference # 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 2021-08-25
Company: GLOBAL SOLUTION BIZ LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX is a rep for this company XXXX extension XXXX. to stop reaching me since my business went under after the pandemic happen, i try and keep up after i took the loan I made 5-7 payments, however my company went under. now this company is reaching out to my relatives, all over the states that they have a legal case against me, on a text message knowingly that they are reaching a third party. with the excuses that this message is for XXXX XXXX or XXXX XXXX XXXX. revealing there is debt owed. 

my relatives have received over 60 phones calls and over 30 messages. 



i wish then to stop harrasing my relatives and discussing my business with third parties they have violated several laws in references of collections practices and TCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Late Dates 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 2020-03-08
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
Filed a written account dispute claim with Experian that was processed on XX/XX/2020. The claim was for an account I did not recognize and requested the lender and the debt collector provide verification documents regarding an account with XXXX XXXX XXXX/XXXX XXXX, XXXX debt collector. I also sent a written notice to the lender and the debt collector requesting verification documents. I received my latest credit report today XX/XX/2020 from Experian and the account in question is still listed. Subsequently, I immediately checked the status of my dispute with Experian to see what the results, if any, had been provided. According to the Experian dispute center this account is STILL under investigation. It has now been 35 days since the dispute was filed and verification documents were requested. According to the Federal Trade commission guidelines set forth in the FCRA the investigation is required to be completed within 30 days. Also, the information is to be blocked during the time of the investigation. As this is day 35 of the documented start date of the dispute, all parties involved, Experian, the lender and the debt collector are in violation of the statute. I have not received any documentation validating the accouts, I have not received any correspondence whatsoever from anyone regarding this dispute. The fraudulent account to this day remains on my credit report and has been cited by several lenders as reason that I was denied credit. I expect Experian, the lender and the debt collector to immediately stop furnishing information on this account and since the time allotted for such as dispute is far past the 30 day mark, this is a direct violation of the FCRA and it is my sincerest hope this complaint will result in the removal of the account from my credit report immediately thus preventing a court ruling to remove the account.

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