BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-25
Company: BB&T CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I maintain a separate account for my bills ; this account also has an overdraft protection account ( OPA ). On XX/XX/XXXX, my account balance was {$0.00} and the available balance in the OPA was in excess of {$300.00}. On the night of XX/XX/XXXX I had an ACH debit in the amount of {$36.00} which overdrew my account ; however, should have been easily covered by my OPA. Instead, this transaction was not covered by OPA and was assessed a NSF fee of {$36.00}. Subsequently, on XX/XX/XXXX, I had a credit of {$450.00} in addition to a debit for {$380.00} the same day. Since the transaction on the XX/XX/XXXX resulted in my account being negative {$72.00} ( {$36.00} plus {$36.00} ) the additional credit and debit ultimately resulted in my account being overdrawn {$2.00} which again resulted in an NSF of {$36.00}. 

I contacted BB & T to question why the ODA did not cover the {$36.00} on XX/XX/XXXX. According to the representative, XXXX, the amount of pending bill pay transactions ( which were to be debited from my account on XX/XX/XXXX ) were on " hold '' which then prevented the ODA to cover the transactions. I explained that although the funds were on " hold '' they were not scheduled to be debited from my account under XX/XX/XXXX which at that time there would have been sufficient funds in the account. XXXX explained that a 'hold ' is placed on the account for pending bill pay transactions once the transactions are in the " processing '' status, which is completely different and will negatively affect hundreds of thousands 'grandfathered ' clients. 

NOTE : I, the consumer, has not knowingly been notified of any changes to the BBT bill pay system or the manner in which transactions will be held/handled from the processing to paid status through BB & T 's bill pay. 

XXXX offered to reach out to the IT department when I questioned if there had been a change to the way their bill pay services worked. XXXX stated that the IT tech said that they have converted accounts from past mergers/acquisitions to BB & T 's bill pay system. I was not notified of the conversion and the impact/difference between the two bill pay systems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NC
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi I recently closed my credit card account. I was told I would retain access to thank you rewards for 60days, but my access was revoked. I am still in the 60 day period. 

Secondly the thank you rewards website says cash redemption of points is $ XXXX XXXX, but customer service insists it's XXXX points. See screen shot from your website, this website is publicly available on XXXX, but Citi denys this offer and insists on double points. 

I have don't the following to resolve : -Called 4 times gone upto manager level to make them understand but they won't listen -asked the XXXX team to step in but to no avail, they ended up calling me and transferring call back to the thank you rewards customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA. the Credit reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items completely from my Crediet File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OK
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:
Equifax leaked personal information of a great number of users. I am listed as " potentially affected '' by their weak security and may had my DOB, SSN, Address, and name leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: MO
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:
I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements  and tax liens must contain minimum identifying information. they could not tell me how they verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: MO
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:
I have been disputing erroneous Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/XXXXwe were doing banking at our local 5/3. An extremely aggressive loan officer approached us & asked if we were interested in equity lines. We were n't but sounded intriguing. Long story short we took out lines on several paid up properties that we owned. NO appraisals were ever done. In retrospect WORST MISTAKE OF OUR LIFE!
We have faithfully paid on these for 13 years. We are in our XXXX 's & now difficult to make these payments. We asked 5/3 for help. We worked with XXXX XXXX, Office of the President & it truly sounded as if we could get relief. We jumped through hoops & completed all of the requirements for a loan modification. Worked with XXXX XXXX, Senior Vice President -- all along he said our application was pending. We had 3 equity lines which for sure most likely were fraudulently appraised -- or not appraised at all. We have articles showing that 5/3 made bad loans between XX/XX/XXXXtoXX/XX/XXXX In return 5/3 accepted {$3.00} billion in federal money from the Troubled Asset Relief Program.
These properties will NOT go into foreclosure but it is extremely difficult to make these payments -- In return 5/3 has raised our interest rate THREE TIMES since we began the loan modification process.
We asked for either a loan principal reduction or at least reduced interest rate. THEY HAVE NOT OFFERED ANY HELP AT ALL!! Please we are hoping you can get through to 5/3.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: NCC Business Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a phone call on XX/XX/XXXX by NCC Business Services XXXX XXXX XXXX XXXX XXXX, XXXX Florida. about a {$2000.00} debt and asked to send me a written copy of the debt original signed aggreement and the balance from zero to present. As of XX/XX/XXXX never received anything so they are in violation of the fair debt Act, They also sent notice to the credit agencies. I also sent them proof of credit card payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
From XXXX I lost {$3000.00} being mislead by NJLENDERS,XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX was told I qualified and paid inspections, appraisals, certificate of occupancy, adding fire extinguisher, smoke detectors, carbon monoxide detectors in house paid labor to install these things and then to find out i am denied because address written on tax returns. Why was n't this noticed before how would I have known? I find this all out after all of my hard work and time spent and money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-06-22
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:
The credit bureau is reporting three accounts on my credit that do not belong to me. Two of the accounts are under the company " XXXX XXXX '' and the third account is under the name " XXXX XXXX ''. The account numbers are " XXXX '', " XXXX '', and " XXXX ''. I have sent disputes to delete these accounts from my report on XX/XX/17, XX/XX/17, XX/XX/17 and nothing has been done to properly address my concerns. I have only received generic letters from the bureau telling me the information has been verified and that I need to call these companies. I am filing this complaint because I have already spoken to these companies and they can not pull up records that match my personal information. The credit bureau is placing other persons ' accounts on my credit and it is most likely due to my common name. I am not the XXXX XXXX who opened these accounts, I do not have unpaid debts with these companies and I have never received any bills or mail from them in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Some time in May I lost my TFc bank card and me and my son socials in my wallet I hade XXXX $ on my card that I needed to use for my son milk I happen to notice that I didnt have my wallet so I pankied because this is unlike me I even called the police they said they can mske a report but they couldnt do nonthing about it I called the bank they said my account was on locked and closed because it was in a negative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was not notified by my mortgage company Wells Fargo that my loan was sold to another company. The law states I need to be notified 15 days before.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX, XXXX, XXXX and TransUnion knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.

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 2019-11-29
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Ria Financial heavily advertises their online and telephone app money transfer services to lure customers to their store front locations where the fees are much higher than advertised for the online service. I open an online account and tried first to do a transfer to my boyfriend in XXXX for cash pick up. They allowed me to enter all the information including the payment information and when I approved the transfer, I was directed to call a telephone number, where they proceeded to tell me to go to the store instead because this country has experience high fraud. I proceeded to do my transfer with a different online service without issue. A few days later I tried my RIA account again but this time sending my money to my boyfriends bank account a more safe and obviously not fraudulent process. Again I was allowed to go through the entire process only to once again direct me to a telephone number to call where I was told the same story, best to go to a RIA store to do the transfer because if it turns out to be fraud and is done online they are responsible to refund the money but if it is done at the store they are not. If this is indeed true this is preposterous but in any case this company is engaging in bait and switch. Subsequently I read many many reviews of other customers going to the same process sending money to many countries all over the world, all high fraud, best to go to their store.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXXand XX/XX/XXXX I received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX and she stated that on XX/XX/XXXX, they had closed the account as disputed and had transmitted this information that same day. She gave me her number and XXXX ( XXXX XXXX XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from Experian that same day ( XX/XX/XXXX ) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX I called XXXX to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent on XX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: CURO Intermediate Holdings
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 XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX and XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), AD Astra Recovery Service ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) has violated my rights with the reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions. I contacted them after Equifax responded that they verified this information and I was told by the company to contact someone else they dont have the account. How can Equifax say they verified this account and I wrote them and requested verification and they sent an email to contact someone else. If they dont have the account, have any information and cant provide me with proof of this account, my signature establishing that I signed for this account ; how can they report this to my credit repostar?

Company response to consumer: Closed with explanation