BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
OnXX/XX/XXXX, I opened a Money Market account at SunTrust Bank - Tradition office for the express purpose of receiving my life savings to the account. The account was created just for this purpose as directed by XXXX XXXX, the Branch Manager. OnXX/XX/XXXX, I had my life savings of {$270000.00} wired to my SunTrust Money Market Account. On XX/XX/XXXX, SunTrust put a hold on the domestic wire and then closed all my accounts onXX/XX/XXXXwithout explanation. Closing Checks were printed for my accounts with the exception of the {$270000.00} which SunTrust has kept from me. I have tried contacting SunTrust on seven different occasions and get different stories. Today, XX/XX/XXXX I was told that my funds are being held and no further information is available for release to myself. My funds have been stolen by SunTrust - and I want my money returned to me by XXXX this Friday, XX/XX/XXXX ; before I go to the media live at XXXX to tell my story and warn others away from SunTrust. SunTrust does not return calls/communications, not even XXXX XXXX herself. I just want my life savings that have been unjustly and illegally stolen by SunTrust! The domestic wire was from the law firm handling my needs and taxes have already been paid on it all as the funds were accrued over the years of owning 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 2017-10-19
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the original creditor of the debt who advised the amount the agency is reporting on my credit report is inaccurate. The original creditor and agency have continuously refused to validate the debt after several requests were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Bread Financial 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:
These inquiries are unauthorized. XXXX, XXXX, and XXXX does not want to investigate these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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:
Dear Team, Please check the items from my Identity Theft report because I do not recognize them. I have never had anything with these companies and I do not know the origins of those items. Definitely I can say that they are not mine therefore please investigate and remove them from my report. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/07 in the amount {$970.00}, I made a settlement payment on a charge off XXXX  XXXX account acct # XXXX to Portfolio Recovery Assoicates LLC. Since that time XXXX XXXX has continued to report me negatively to all 3 credit bureaus resulting in a fico score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the portfolio receipt to the 3 bureaus to update the balance several times and stop further fraudulent late reporting but instead of updating the correct balance owed or marking as settled i was updated with 5 more  months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX - XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: DriveTime
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:
These inquiries are unauthorized. XXXX, XXXX, and XXXX does not want to investigate these inquiries.

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 2017-10-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE SENT IN CERTIFIED MAIL AS WELL AS NOTARIED DOCUMENTS IN REGARDS TO THESE FRAUDULANT ACCOUNTS AND HAVE BEEN IGNORED OVER AND OVER I HAVE SENT A AFFADAVIT FOR IDENTITY THIEF

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE SENT IN CERTIFIED MAIL AS WELL AS NOTARIED DOCUMENTS IN REGARDS TO THESE FRAUDULANT ACCOUNTS AND HAVE BEEN IGNORED OVER AND OVER I HAVE SENT A AFFADAVIT FOR IDENTITY THIEF

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$280.00} ; XXXX  XXXX XXXX Balance : {$690.00}

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 2022-05-04
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the report active is inaccurate, and date last reported is inaccurate. This ground for removal also violated my rights under.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
State: PA
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:
Credit bureaus all 3 Experian, XXXX and XXXX XXXX would not remove Hard Inquiries when asked.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 REPORTER ACT XXXX ACCOUNT NUMBER XXXX XXXX XXXX CREDIT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX5 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: EQUIFAX, 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:
Contacted XXXX, equifax and XXXX on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Regarding the issue associated with claim # XXXX only, I was on a call with representatives about inconsistencies with processing this claim on XX/XX/2022. There are clear indications that noted associated with this claim include fabrications and inaccurate facts. 

I had a subsequent conversation on the matter with another representative ; XXXX. The representatives hang up on both calls. XXXX the second representative- confirmed this inconsistency and was in the process of resolving my concerns when he hang up or the line got disconnected once again. 

The case has since been escalated to the corporate office for a resolution. During a conversation with the representative, I expressed concerns about high level orchestrated meddling with various accounts I have had, etc. thus the rapt attention being paid to this issue. A document has been attached to highlight one of such examples and is being shared for posterity as has been the case with previous unusual activities involving individuals in the finance sector. 

The organization in question did not offer all services required for charges made as clearly explained in a detailed manner on a recorded line.

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 monetary relief
Consumer complaint received 2022-05-04
Company: Self Financial Inc.
State: FL
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:
An unauthorized account issued by Self Financial Inc. was opened on my behalf without authorization by a person offering credit repair services. Self Financial Inc agreed that the account is unauthorized and promised to remove it from all three bureaus. It was removed from XXXX and XXXX, but Self is refusing to remove it from XXXX despite written confirmation that they would remove it. The account must be removed from my XXXX credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX  I underwent several month of sickeness due to XXXX like symptoms. I also lost two members of my family and faced the transition of also having to abruptly move home from my university. According to Section 1637 ( b ) I should have received notice 21 days before due date of payment. I have never received any notification of payment. XXXX claims regardless of sickness they are not able to change this information on my report whether due to sickness, ailing health or not.

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 2017-10-19
Company: National Asset Advisors, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage payments for three months due to identity theft, and then loss of income. I started worked with a Housing Counselor to help me avoid foreclosure. With her help, we completed a Loss Mitigation packet in XXXX 2017. She also helped me complete an application for Hardest Hit Funds, but XXXX XXXX XXXX will not accept them, despite attempts to get them to participate in the program. It is now XXXX, and I have never received any paperwork back from XXXX XXXX XXXX. Someone did come to my home in XXXX or XXXX to post a notification that I needed to bring the loan current, or I would lose my home. I have continued to make on time payments since missing those three months, and they are accepting my payments. When I call the company to discuss my situation and ask for an update on the Loss Mitigation packet, no one answers and I am forced to leave a message. My Housing Counselor spoke with the Loss Mitigation Manager and he agreed to a scheduled phone call appointment, but did not call and will not answer our phone calls. We have tried all phone numbers we could find, but we are only able to leave a message. I did receive notice on XXXX XXXX, that my mortgage payment is going up due to escrow shortages/tax increases, but I have not received anything else referencing my Loss Mitigation packet. I am concerned that I am close to losing my home, or that a sheriff sale has already occurred without my knowledge. I have XXXX children and do not want to lose our family home of five years. According to my Housing Counselor, XXXX XXXX XXXX is not following foreclosure guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used Care Credit  Synchrony Bank to charge procedure with XXXX XXXX XXXX XX/XX/2021. I ended up with unacceptable results that still needs additional revision. 

Ive have an entire photo album tracking progress ; and have given the issue more than recommended amount of time to see final results. 

According to the website there is mention of skin tightening and even the specific quote that the skin is always left tighter than before. My result is the opposite. Skin tightening was not the reason I had this procedure. It was too remove the XXXX for an improved contour ; however, it was definitely not to leave the skin worse and less tight then I started ; especially when skin tightening is promoted as a side benefit. 

Im not looking for a perfect outcome. Im looking for a result that leaves me looking better than I started off. The result is not subjective. It is clear Ive been left with a worse issue then I came in. I have pictures and video to prove this. 

XXXX  after pictures as well still show significant slope of profile not really an improved contour. Ive seen some improvement in the profile after the XXXX XXXX but that is not as result of XXXX. I have appointment now to work with cosmetic consultant to help guide me in next steps so I can have proper revision/correction. 

If there is nothing that XXXX believes they can do ; I dont understand why there can not be a internal negotiation on a fair price since I have been left with a worse result that now needs revision procedures to fix. They are u willing to do anything ( opposite of what I was originally advised ) saying they believe I have a great result. I even went back to see another XXXX there per their request and he even said he has not had patients with this result and advised possible things I could look into for additional revision. 

Anyone who sees my pictures it is clear I have issue didnt have before. Even if it is not something XXXX can fix ( which they advised they can not ) then why would they not in good conscience work with me to achieve a resonance outcome. I understand I take some of the risk in a cosmetic procedure, I am more than willing to pay the surgical fees etc, but to pay {$6000.00} total to be left with horrible results that needs a revision is not acceptable. 

I am attaching a few of probably the hundreds of photos I have taken tracking the progress.

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 2017-10-19
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Coast To Coast Financial Solutions sent a collection notice on XX/XX/XXXX for a collection of a debt that was credited on XX/XX/XXXX. After contacting Coast To Coast Financial Solutions ( today XX/XX/XXXX ) about the debt owed was {$310.00}. I called XXXX XXXX and they confirmed the debt was credited. I called Coast To Coast Financial Solutions back 30 minutes later and the amount owed changed to {$320.00}. The representative explained it was more interest due!

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 2017-06-28
Company: BBVA FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
not giving info to other company fast enough

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : 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 non-monetary relief
Consumer complaint received 2019-07-22
Company: Financial Credit Service, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received calls from a restricted number on XX/XX/19 and did not answer. Then received a text from my mother who stated that Assset Recovery Associates called my mother, my step-father, and my stepbrother stating that I was wanted for arrest for check fraud. Gave them the case number and extension. When I called the number they stated that I would be arrested if I did not admit to the debt. When I asked for a verification letter they refused to send one stating that one was sent out already. No one received a letter. They would not give information about debt or who it was from. I told them to stop contacting my family and other third parties ( called my job as well ) and telling people that I was wanted for check fraud. When I asked about this check fraud accusation that denied. I have a voicemail with this accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Pro Collect located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX reported a collection on my credit which negatively impacted my score. They're collecting a debt which is owed by my brother  who has the same first and last name as me. I contacted XXXX XXXX ( who hired Pro Collect ) and they confirmed that I do NOT have an account with them but my brother does. I spoke to a Mr . XXXX ext XXXX at Pro Collect several times and other representatives. They have been nothing but rude to me and they keep asking to pay a debt which is not mine.

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