BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: Finance of America Holdings LLC
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage The property has a reverse mortgage. The mortgage has sold/be assigned multiple times since XXXX. I XXXX XXXX am the trustee, estate representative. 

XX/XX/XXXX I notified Finance of America Reverse of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. I have a buyer. 

The property is currently under water damage claim/repair that affected half of the 1st floor kitchen and the 2nd bathroom plumbing. This process is being monitored by the reverse mortgage servicer. The foreclosure never should have started but at this point all I was trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. 

In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. 

***I spoke with XXXX XXXX XXXX XXXX XXXX as advised by Finance of America to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/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

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 2023-09-25
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
You have contacted me about the account with which you claim I owe. 
I have no knowledge of any such debt being owed to Avante USA. 
I am familiar with the XXXX XXXX XXXX 's ( XXXX ) XXXX XXXX XXXX which states the following. 
" A firm must not ignore or disregard a customer 's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer 's claim is not valid. '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: FL
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX 15 U.S.C 1681 section 602 A section 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information, any adverse item information, other records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-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 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 2022-09-13
Company: Experian Information Solutions Inc.
State: CA
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 my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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. 


The following account need to be removed as they are fraudulent. 

XXXX  XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.

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 2019-08-20
Company: GOLDMAN SACHS BANK USA
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
So, in the past week I have tried to apply on my XXXX  for an XXXX   XXXX. I have repeatedly been told that ID is required and, subsequently, that my XXXX driver's license did not "verify photo id" to the satisfaction of Goldman Sachs.I have been using XXXX XXXX and making purchases on my XXXX for over a decade while living at this same address with an in-state driver's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

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 2023-06-12
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-06-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX, XXXX,XX/XX/XXXXXXXX of XXXX after phone conversations with XXXX XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XX/XX/XXXXand XXXX XXXX  ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XX/XX/XXXX, they appeared on my credit reports. 
I contacted XXXX, Equifax, XXXX XXXX in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, Equifax, XXXX XXXX. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XXXX XXXX and XXXX  XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay XXXX, Equifax and XXXX XXXX {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear Citibank, I would like my accounts reconsidered and to be re-opened and remain opened and my great relationship with Citibank to be re-opened and remain opened. 
Credit cards needing to be re-opened and remain opened : 1. Citi/AAdvantage Platinum Select World XXXX XXXX ending in XXXX 2. Costco Anywhere XXXX Card ending in XXXX 3. Citi XXXX XXXX XXXX ending in XXXX 4. Citi XXXX XXXX ending in XXXX As a loyal Citibank active member, I need my accounts and great relationship with Citibank to be opened. 

In the past 6 months or so, I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new account numbers as someone was gaining access to my account and me misplacing my wallet. I was told it was an error but still have not gotten my 4 cards re-opened yet due to this error. 

In the midst of all of the confusion, which was also my fault because of miscommunication, it triggered activity on my one of my accounts leading to someone closing all 4 of my accounts today in error. I am also not very technologically savvy and have a XXXX. It was a simple request to get new numbers due to someone gaining access to my account and me misplacing my wallet. I had not even gotten the chance to use my Platinum card which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have a combined {$36000.00} credit limit on all 4 of my credit cards ) and will overall hurt my credit really badly so I want to avoid this. I am also traveling soon and will need to use all 4 of my credit cards.

I would like you to please reconsider the closure of all 4 accounts and please re-open all 4 cards with new numbers and send them overnight to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX I have developed an action plan and will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again. I also placed extra security including security alerts on both my social security card and the credit bureaus. I am also happy to oblige and comply with any further action plans that Citibank may want to ensure my security. 

I am appreciative of you re-opening my cards and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Citibank. 

Thank you for your time, understanding, and patience and thank you for re-opening all 4 of my cards.

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 2023-12-29
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There was a change of address listed on my Macy 's Credit Card. It is a fraudulent address. 

My real address is listed as old address.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX AND TRANSUNION credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00}

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-13
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: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint regarding my request for the Credit Bureaus to remove the dispute fraudulent information reporting on my Credit Report. I previously sent an FTC dispute letter addressed to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus remove the fraudulent items from my Credit Report. However, upon checking my updated Credit Report, it is clear that the Credit Bureaus have not yet complied with my request. Once again, I was a victim of identity theft and I have read that the Credit Reporting Agencies are required to remove any accounts and information that was incurred due to identity theft. I never received anything as benefits as a result of my identity being stolen, neither did I initiate in opening this accounts. I never authorized anyone to use my personal information. Under the FCRA XXXX XXXX, I am submitting this CFPB complaint to request the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} DP OF XXXX XXXX Balance : {$3100.00} DP OF XXXX XXXX Balance : {$10000.00} DP OF XXXX XXXX Balance : {$6800.00} DP OF XXXX XXXX Balance : {$8100.00} DP OF XXXX XXXX Balance : {$3300.00} DP OF XXXX XXXX Balance : {$9400.00} DP OF XXXX XXXX Balance : {$7100.00} DP OF XXXX XXXX Balance : {$460.00} DP OF XXXX XXXX Balance : {$3900.00} DP OF XXXX XXXX Balance : {$1600.00} DP OF XXXX XXXX Balance : {$5600.00} DP OF XXXX XXXX Balance : {$8300.00} DP OF XXXX XXXX Balance : {$6700.00} DP OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022. The Credit Bureaus continued reporting the fraudulent items which a clear violation of a consumer 's rights under the FCRA section XXXX. If the Credit Bureaus claim that the disputed items belong under my name, I will the Credit Bureaus to provide me copies of proof of verification bearing my signature. If the Credit Bureaus can not prove that the disputed items belong to me, I need the disputed items deleted as soon as possible.

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 2023-09-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I rented a car from XXXXXXXX XXXX XXXX on XX/XX/2023 the total for the weekly rental was {$260.00} I gave them my card and what showed on my bank statements along with my available balance decreasing was {$460.00} which XXXX of it was the deposit so everything was correct at that point when I returned the vehicle my new balance due to budget was XXXX which is correct because I kept the car for an additional day well later on that evening the transaction all of a sudden vanished which my balance did not increase or change so I immediately called the bank and brought it to their attention they told me the merchant was processing the transaction and that the transaction would reappear on my transaction list which it did but when it reappeared they charge me again {$330.00} putting my account negative {$420.00} this is not right and the bank is trying to make me believe that the XXXX never left my account and that I ended up spending it which is how holds from car rental companies work all the time totally incorrect and I'm not falling for it.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NM
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY 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 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