BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist representatives have refused to endorse final insurance checks for repair of home mortgaged through the bank. On XX/XX/XXXX I met with XXXX XXXX at XXXX NC Branch office to have 2 insurance checks endorsed totaling about {$18000.00} for final payment to the contractor. She was refused authority to sign from a remote office that apparently has approval authority. I was told they insisted on 3 business day review time. I returned 4 business days later on XX/XX/XXXX. Met with XXXX and XXXX XXXX on this occasion and was again refused endorsement. The remote authority had not progressed on the request. I returned again on XX/XX/XXXX with yet another refusal. I was informed only " added steps are being taken ''. No further explanation was provided. I gave my phone number to XXXX at her request. Eight days have passed since my last visit without further contact. I stated these checks were for final payment. On XX/XX/XXXX I met with XXXX XXXX of the XXXX XXXX XXXX. The first check of {$30000.00} was endorsed by XXXX. The home in question is in the estate of my sister. I am her sole executor. In the XX/XX/XXXX meeting I provided XXXX with original death certificate and Letter of Testamentary. Also, I returned XXXXXXXX XXXX  safe deposit keys and her joint deposit accounts were consolidated with separate accounts of joint owner. I do not know why the delay nor have I been given a date to expect action.

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened a direct deposit account with Bank of America in XXXX XXXX TX around 2003. I have had that same account until a few years ago when with no explanation it became an XXXX account. I had been repeatedly double charged in overdrafts when my account was Bank of America from the beginning until the end. I am a single mom and sometimes all I could do was break even at the end of the month. The extra overdraft charges ruined my familys life completely. Ever since the account has been XXXX that hasnt been a problem and financially I am in a completely different place. I have my Bank of America account number still and paperwork to show when my account became an XXXX account. I also still have most of my bank statements from Bank of America.

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 2019-12-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX inaccurate/not mine XXXX XXXX XXXX XXXX never late

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 2023-07-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-02-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage through Wells fargo that I had in the early XXXX 's, when the economic downturn happend in XXXX I called Wells fargo to try to modify my loan to keep my home, they advised me that I had to miss mortgage payments before they would look into a modification for me, I followed their advise and over the next year or more I would continue to contact them and try to work on a modification, they continually denied me becasue I was and still am a commissioned employee same job as when I secured the loan, thei went on for some years, finally in XXXX I was able to short sale the house but for all those years of working with Wells fargo I lost enormous amounts of money including my original XXXX down payment, affects to my credit, affects to my marriage, losing my home, and draining my savings. I thought I would be included in the class action lawsuits that came about recently with Wells fargo specifically named, I called them to confirm and they said I was not included in it. I feel like my situation was exactly what those lawsuits were about, Wells fargo advised me to act and I did what they said, constantly sending them documentation, and being constantly denied in the process. Please let me know if there is any guidance or information I can do to have this wrong righted.

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 2022-12-01
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2020 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 XXXXXXXX

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 2020-07-22
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: Was not notified of investigation status or results

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-07-12
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: Public record information inaccurate

Complaint:
On repeated occasions, it was requested that the debt under U.S. Bankruptcies be verified with the original creditor and not XXXX. I deny the debt and the entries on my credit report. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA regulates the practices of third-party debt collectors. Under this law, if you dispute a debt, the debt collector is generally required to provide verification of the debt and cease collection efforts until the verification is provided. 

XXXX. Fair Credit Reporting Act ( FCRA ) : The FCRA governs how consumer credit information is collected, reported, and used. If the entries on your credit report are inaccurate or unverified, you have the right to dispute them with the credit reporting agencies. 

Fraud and Identity Theft Under 15 USC 1681b, consumer reporting agencies are allowed to furnish consumer reports to individuals and entities with a permissible purpose. Permissible purposes include : XXXX. In response to a court order or federal grand jury subpoena. 
XXXX. For legitimate business needs related to a credit transaction. 
XXXX. For employment purposes, such as when an employer wants to conduct a background check on a potential employee. 
XXXX. For insurance underwriting or determining eligibility for insurance coverage. 
XXXX. To assess a consumer 's eligibility for a government license or benefit. 
XXXX. In connection with a legitimate business transaction initiated by the consumer, such as applying for a loan or renting an apartment. 
XXXX. To review a consumer 's account for account monitoring or account review purposes. 

I have requested documentation from XXXX on what is reported on their report under my name and for removal of a third party report for bankruptcy. I have never received the information. I was told through Experian that they are the entity reporting the bankruptcies.

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 2021-12-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is in reference to a previous CFPB complaint ref - XXXX, which was incorrectly closed without any resolution by Citi. 
1. Citi Executive Response Team responded to a previous CFPB complaint on XX/XX/XXXX. In their response, they did not address any of the original issues, and provided incorrect information. They provided the phone number of XXXX XXXX XXXX XXXX, which is in no way linked to their bank or this issue. They also closed the complaint without providing any resolutions. 
2. I called Citi for the 3rd time after receiving the email from the Citi Executive Response Team on XX/XX/XXXX at XXXX PM. The customer service rep, XXXX was highly uncooperative, and failed to even send text messages to verify identity. She was rude and did not attempt to resolve any issues.

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 2018-11-24
Company: Jon Barry and Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this collection agency calls me several times a day and treating to sue me for the medical bill I do not own. I informed this company to stop harassing me many times and continued calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 explanation
Consumer complaint received 2022-09-30
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 1. ) Account name : XXXX XXXX Account # : XXXX. XXXX. ) Account name : XXXX XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX  Account # : XXXX XXXX. ) Account name : XXXX Dept of Ed . Account # : XXXX Mo XXXX. ) Account Name : XXXX XXXX XXXX Account # : XXXX XXXX. ) Account Name : XXXX XXXX XXXX. Account # : XXXX XXXX. ) I XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX Account : XXXX. XXXX. ) Account Name : XXXX XXXX XXXX XXXX. ) Account Name : XXXX XXXX. XXXX. ) XXXX. XXXX XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-03-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I request Experian remove the California tax lien that was filed and recorded in error from my credit report. I have tried to get this problem resolved by a dispute with Experian, and that did not resolve the problem. My credit report is inaccurate as a result, and this impacts my ability to apply for credit, and increases the price of credit instruments if I qualify for them. 
Experian claims they will only remove a lien if it says withdrawal or filed in error as the title of the document. California does not provide such notices. There is no statutory mechanism to withdraw a lien in California per the CA Franchise Tax Board ( FTB ). California code requires the CA FTB to document liens filed in error by a statement on the face of a release document, instructing the county recorder that the lien was recorded in error. As a result, no form available from the state of California would meet the Experian internal policy for removal of a California state tax lien filed and recorded in error since the only thing they consider is the document title. This is unacceptable. 
Experian can only report a valid recorded lien. If a lien release includes the legend " recorded in error, '' that means that the underlying event Experian reported was never reportable because the original recording was in error. The only way to correct the credit file is to delete the record that was created by the erroneous recording. 
The CA FTB website at XXXX confirms this line of reasoning, stating : " If we file or record a lien in error, we will : Release a lien as filed in error to the applicable county recorder 's office or California Secretary of State. 
Notify the credit bureau agencies and ask them to remove the lien from your credit bureau report. '' The CA FTB has notified Experian the lien was filed and recorded in error, and requested removal of the lien from my credit report. The CA FTB action was as described on their website listed above, and supported by the attached documentation. 
Experian did not comply. 
I attempted to get Experian to remove the lien, and provided supporting documentation. Experian did not comply. Experian disregards requests for re-investigation for a previously disputed item as described in the attached dispute cart printout. The Experian suggestion that I can add a consumer statement to the lien does not fix the negative impact on my credit score, or decrease the price of credit instruments if I qualify for them. All of this is unacceptable. 
Experian is the only credit reporting agency that continues to report the California tax lien on my credit file. XXXX and XXXX removed the item based on the same release with notation the lien was recorded in error. 
As a result of the above, I seek CFPB assistance with this matter. 
Thank 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 non-monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2023-04-10
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:
Equifax failed to comply with 15 USC 1681s-2 ( b ). Equifax is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Equifax failed to conduct a reasonable procedure by their own industry standard of Metro 2. Equifax failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Equifax failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Equifax failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, Equifax has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Equifax is liable for actual damages, {$1000.00} violation and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been trying to upload additional documents to dispute incorrect information on my credit file and Experian 's upload site will not let me upload files nor will it allow me to dispute the information.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XX/XX/XXXX i check my credit report and i noticed XXXX account is not my i never used and never get any benefit for this is the company XXXXXXXX XXXX  day open XX/XX/XXXX amount {$280.00} account # XXXX phone # ( 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 2023-11-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 usc 1681 e b all information reporting to someones credit report must be accurate or shall be removed immediately *Account says it was opened on different dates *Date last report is different

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