BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I already requested my XXXX XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX  XXXX XXXX  - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

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 2022-05-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a check at Truist Bank in the amount of {$25000.00} issued by XXXX XXXX thru ATM. Deposit was flagged and sent to Fraud Department for review on XX/XX/22. Contacted the bank on XX/XX/22 inquiring on why we were not able to access our personal funds and was told that the account was frozen until a Fraud investigator could review the account. XX/XX/22 went into local branch office to try and resolve the issue was given number to call the fraud department. Contacted fraud department and was told that the check deposited was under investigation could take up to 7-10 for our personal funds to be released. Branch manager called on XX/XX/22 stated she spoke to the Fraud Department and was informed they were closing the account and we would no longer be able to do business with Truist Bank. Contacted Fraud Department on XX/XX/22 asking when we would have access to our personal funds was told that this was still be investigated and they would contact me within XXXX hours with an update. We have not had access to our personal funds since XX/XX/22 this has caused a major hardship as we have over {$8000.00} of our own money in that account. We do not believe it is legal to hold someone's personal money and would like to have them investigated for such inappropriate action. We have had our account for approximately 35 years starting with XXXX XXXX merged with BB & T merged with Truist Bank. This has got to be one of the worst banks anyone has ever had to deal with from waiting on line for over 2 hours to speak with customer service rep to final getting a representative who lacks the knowledge to do the job and answer the consumers questions. The only response they give is we understand without resolving the issue. This bank should be put out of business by the government.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: VA
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX, XXXX/XXXX  : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX VA : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/XXXX  : XXXX, XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( 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. 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 the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-04-26
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reached out to my lender requesting to move my forbearance that was done during XXXX to the back of the loan : ( they will not ) XXXX has XXXX housing assistant program that will pay XXXX but the lender has to approve the request that I provided to the lender on XXXX and XXXX since they stated they did not receive. The form would come from me per the agency : If the funds are moved to the end of the loan and the XXXX is granted to reduce my outstanding amount, at that time if I'm still behind, I would have a lower payment provided I have to file a bankruptcy XXXX until the difference is paid off. currently as it stands if I file a bankruptcy XXXX my trustee payment amount is over {$2300.00} on top of my monthly payment that has been the same for over XXXX ( on an average of XXXX to XXXX ) the Trustee continues to dismiss my XXXX XXXX and the trustee keeps the funds that I have paid which leaves me vulnerable to possibly losing my home that I would like to keep. ( XXXX not looking to be homeless at my current age or any age for that matter ) My goal is to just get my Mortgage back on track so that I don't lose my home. 

Mr. Cooper now has indicated that my new payment would be {$1700.00} est ( my current value property taxes have been locked in now for XXXX ) with no changes due to an appeal that I file every XXXX with XXXX XXXX. 

My homeowners insurance has gone up slightly over XXXX A few years back I had a current HOI policy with XXXX XXXX XXXX XXXX XXXX in which Nationstar dropped the ball and sent my annual premium in late and the insurance company would not renew my policy! ( This was at no XXXX to me ) My annual premium started off at {$800.00} to {$1100.00}, after that payment was late my new quotes then averaged XXXX on a high end and XXXX to now XXXX. I personally feel as though Nationstar XXXX should pay the difference. instead, they have now increased my payment to est {$1700.00}. This user error of sending my insurance payment out as caused be to have to search for lower insurance payments every year or other year.. State Farm has been the most reasonable thus far, but XXXX yrs ago XXXX XXXX XXXX XXXX XXXX as well. So I'm happy with my current amount. Prior I had also for over XXXX then XXXX XXXX XXXX until they dropped me due to Nationstar not sending the payment out on time. 

I have sent a request for a RESPA DUAL Tracking on XXXX and again today XXXX with the verbiage RESPA DUAL Tracking as I would like a detail of fees as to how lenders can receive assistance and homeowners can not. 

I have attached the XXXX tracking request and the assistance program for your view. 

Regarding/Urgent matter Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I purchased my mobile home in XXXX and secured a 20 year loan through Bank of the West. 

The area I live in is considered a flood zone and Bank of the West requires flood insurance for the loan. 

For many years, I was using a broker XXXX XXXX who purchased XXXX for the insurance. 

Almost from the beginning, I would receive automated notifications from Bank of the West they were missing flood insurance. 

My broker from XXXX, XXXX representatives, and myself would send emails and fax declarations. I would also go into local branch offices for support, but all they would do was say they would " contact someone '' at Corporate.

One year, the Bank of the West forced insurance onto my loan although I had purchased it. When that happened, I placed a formal complaint with CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX In XXXX, I received notice from XXXX that XXXX would no longer provide flood insurance. 

I did some shopping and found XXXX XXXX. 

I communicated with a XXXX XXXX and purchased what I believed was needed *before* my current policy expired on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX sent the new Insurance policy ( including Flood ) to the Bank of the West. 

On XX/XX/XXXX, I received notice from the Bank of the West they had not received Flood Insurance. 

On XX/XX/XXXX, XXXX XXXX tried to contact the Bank of the West to no avail. 

On XX/XX/XXXX, I sent the following attached letter through US Postal. I also emailed the Escrow Department that same day. 

On XXXX Thursday, XX/XX/XXXX, I received the very first non-automated email from XXXX XXXX stating saying explaining the coverage received was {$20000.00} and needed to be {$69000.00}. 

Although I will agree my *new* broker made an error in the coverage amount, I believe I am being penalized for a lack of communication as to what was needed. 

Their email to me on Thursday, m XX/XX/XXXX was the first non-automated email I received from the Bank of the West. 

And now you are penalizing me for a forced place flood gap that could have been avoided had the Bank of the West communicated with me when they first received the new insurance from XXXX ( before my previous insurance expired )

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 2022-05-02
Company: EQUIFAX, INC.
State: IL
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 following accounts have violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15 U.S.C . 1681 Section 602 A. States I have the right to accurate credit reporting and 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Esusu, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Earlier in the year I got an email from the company that manages my apartment complex wed all be auto enrolled in Esusu a reporting entity which would report on our timely payment of rent. They sent instructions to opt out. 

I reached out three times. I was able to opt out the second call and ensured I had been removed from their system. 

Come XXXX their account came up on my report. I had been enrolled anyways and it impacted my credit both as a hard inquiry and my credit age.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: ALLY FINANCIAL INC.
State: MI
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 was never late. I paid my first and second payment through my bank. Ally started calling me in XXXX along with letters demanding a XXXX XXXX even though my payment cleared my bank. I have paid every month up to date. Ally ordered a repossession of my vehicle unless I paid cash through a XXXX XXXX. They took my XXXX  to an Auction Site in XXXX Michigan. I had yo get an XXXX to go pick it up and pay cash. Ally keeps changing my credit file. And payment history. They add charges, late fees and dont explain what they are. I have all receipts of my payments. 

This is not right.

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 2022-12-09
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 60 and 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CITIBANK, N.A.
State: CO
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:
on XX/XX/XXXX, XXXX I sent a letter to Sears /CBNA to validate on account they are reporting on my credit bureau. All three credit reporting agencies are reporting conflicting information. Sears has yet to respond to my validation request and its been over 60 days. Please see attached documents

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two Chase credit cards that are currently showing on my consumer report as a charge off. The payments are past due and I have been attempting to pay by negotiable instrument for the last few months and Chase has yet to accept my payment. I have written on the instrument pay to the bearer and I have accepted the instrument as I am supposed to as the holder. I endorsed the instrument and sent the bill back to the corporation for set off but for some reason Chase will not perform their fiduciary duties. I have sent in my durable power of attorney and have instructed Chase to transfer the principal 's balance to the account numbers on the instruments to satisfy the account. Chase needs to respond to me in writing within 5 business days stating the reason to can not complete this performance as the fiduciary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My DOB XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : 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 2019-03-20
Company: PRESTIGE FINANCIAL SERVICES 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: Account status incorrect

Complaint:
Prestige Financial Administration are in Retaliation and Discrimination against me as a XXXX US Military Veteran. 
I have filed many complaints with Federal Government and Company are in Retaliation because of file complaints. 
Prestige has violated my ADA Disability Ac
t under Department of Justice.and both Federal and State Laws. 
On a phone conversation of XXXX with Prestige Account Vice President XXXX XXXX she promise to remove all derogatory remarks on my credit report with XXXX , XXXX and XXXX and support as a US Military Veteran. 
Now she denies on promises and only spoke with XXXX on the phone and not with XXXXXXXX, Prestige Compliance Manager. 
XXXXXXXX just want to protect XXXXXXXX and the special interest of the company from any Federal Violations Law Sanctions. 

XXXX  credit Reporting Agency stated they receive the verification of Derogatory remarks removals of XXXX days of XXXX from Prestige credit department by electronic message or verbally.. 
XXXX XXXX XXXX receive also the derogatory removals from XXXX. on XXXX XXXX. 
It appears that Prestige has business partnerships with 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 2023-11-13
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:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/corporation making the report is NOT included on the consumer reports. Yet XXXX and TransUnion is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/chargeoff status and any other derogatory information deleted from my consumer reports effective immediately. Please don't reply that the accounts have validated because I'm not asking for verification nor validation. Some of the accounts have been placed in Charge off without mailing me a copy of IRS form 1099C cancellation of debt. XXXX and TransUnion reporting late payments, charge offs or any other derogatory information in a consumer report is a violation of 26 USC 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : against all entities involved. An opt out notice was never provided to me by either of these corporations. The Opt Out Right : If a bank intends to share nonpublic personal information outside the exceptions, it must also provide the consumer with a reasonable opportunity to opt out. XXXX has already complied. 

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