BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
In XX/XX/2019 we entered into a legally binding agreement with Suntrust to begin a Trial Period plan which was required before completing formal loan modification. Suntrust provided us with very specific instructions to make three trial payments on specific dates. We were advised we were not to deviate from the plan or the loan modification would be denied. 

The trial period began on XX/XX/2019 where we paid {$4100.00}, with subsequent payments of the same amount on XX/XX/XXXX and XX/XX/XXXX for a total paid of {$12000.00}. We followed their directions exactly as outlined to us and completed the Loan Modification in XX/XX/2019. 

After applying for a new mortgage recently we were denied because Suntrust reported that we were 120 days late for five consecutive months ( XXXX XX/XX/2019 ). We feel that this is a violation of the Fair Credit Reporting act as we were under a formal agreement with Suntrust during those months and were following detailed instructions which included making trial payments. In addition Suntrust reported different information to XXXX  than they did to XXXX  & XXXX. They reported that payments were made to XXXX  for XXXX & XX/XX/2019 and reported NR or no report to XXXX  and XXXX. 

I have attached a copy of the trial payment agreement as well as a copy of a court case ruling. 

After doing research on our situation it became clear that many others had the same scenario happen to them. I found one case where a judge with the US Court of Appeals ruled in favor of the borrower that the lender violated the Fair Credit Reporting Act. 

The 6th Circuit rejected the servicers argument that the Home Affordable Modification Program guidelines encouraged, but did not require that they report a TPP. The court acknowledged this distinction but noted that [ r ] eporting that [ a borrower ] was delinquent on his loan payments without reporting the TPP implies a much greater degree of financial irresponsibility than was present here. 

https : 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 2022-12-27
Company: Cascade CISS Holdings, LLC
State: WA
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:
company below ran a hard inquiry without my consent. 
No idea what CIS XXXX is Please remove from record and I would like to report and Sue CIS XXXX. 

CIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

FIN 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 2020-02-06
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Around XX/XX/2016 I received a call from Global client solutions saying they would get debt relief for my student loans. They say their fee was {$990.00} and I could pay it in monthly payments ( to which I have paid them in full ) They said they would file the paperwork for me to not have to pay for the loans unless I was making more than {$30000.00} a year because I was considered to be low income. Since then I have not made payments for my student loans because I thought I didn't have to that was until I recently received a letter from the department of education saying they would be offsetting my federal income tax return for nonpayment of the loans. I researched this company and found that they have been sued for this. They lied about their abilities to get my loans forgiven/ deferred

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to the bank to open an accout and when the banker got my information she said she couldnt open my accout that is shows SUSPECTED FRAUD ACTIVITY which im confused and i had a situation before when i was robbed and my wallet was take and police report was files about identity theft and it has been resolved and now i want to open account and it not leting the bank help me open the account. 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 explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On   XXXX   XXXX   XXXX   I pulled my   XXXX   major credit reports from  XXXX . I noticed an account being reported by   XXXX   XXXX   XXXX   XXXX    that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around   XXXX   XXXX   XXXX   I received an updated credit report and a summary of the investigation that simply stated " Information validated as accurate ''. No reason, method, or support to that statement.
In the updated credit report I found that not only did they not resolve my complaint but they allowed   XXXX   XXXX   XXXX   XXXX   to update information on the account from charge-off with a balance of zero and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  X/XXXX  to   XXXX  , and tack on   XXXX   reports of 90 days late to account that had a previous balance of {$0.00}.
I then disputed this new information with all   XXXX   credit agencies with the investigation results once again stating " Information validated as accurate '' with out anything to support that statement.
I then proceeded to file a complaint with the BBB against  XXXX  about the matter. However, the BBB did nothing but open up a line of communication with  XXXX  No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.
I then made direct contact with   XXXX   XXXX   XXXX   XXXX  . Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for  XXXX  and hung up.
I am now in the process of initiate   XXXX   last effort to have the report corrected before I pursue legal advice on handling the matter.

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 2017-05-03
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 'm a victim of identity theft and took information and opened up account   XXXX   XXXX   XXXX   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 2019-06-05
Company: TIDEWATER FINANCE COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Tidewater Finance has continue to report this to the credit reporting agencies stating that i owe them this debt for a credit card from XXXX XXXX XXXX which i have never received no card nor furniture from them. I have sent in validation letters to show proof of this debt, police report, affidavits, and proof of supporting documents for myself but they have responded that everything matches and that this is my debt which it is not. I have been a victim of identity theft since 2016 and have notified the CRA about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was marketed and sold to unknown individuals or entities during XXXX data breach. I was in confinement in jail from XXXX XXXX to XXXX XXXX. I have not applied for anything but 1 card since my release and there are several cards and items reporting on my credit.Several items on my credit report were fraudulently obtained by another person and I am attaching proof that XXXX acknowledges that I was a victim of their data breach. I have disputed items several times and XXXX has done nothing to help me. Please assist in deleting these negatives, inquiries and illegal items from my credit report please. I will attach the proof that XXXX has admitted that I was a victim of this data breach bye allowing me to submit a claim during there recent lawsuit.

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 2023-07-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX {$510.00} XXXX {$0.00} XXXX XXXX {$110.00} XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX {$8.00} XXXX XXXX XXXX {$15000.00} XXXX XXXXT XXXX {$0.00} XXXX XXXX XXXX {$140.00} XXXX {$490.00}

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 2021-12-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Owed XXXX on Wells Fargo card with a special term end date of XX/XX/2021. Special terms are : there is no interest charged if account paid in full by that date. Had a monthly autopay in place of XXXX on the 16th of month during the promotional period, set up on their WEbsite. Made a lumpsum payment of XXXX on XX/XX/2021 so with the autopay of XXXX it equals XXXX but they ignored the auto pay and new statement shows XXXX interest charged plus XXXX own. How I would paid XXXX and would left XXXX? This is so misleading. 
On Monday, XXXX XXXX, spoke to XXXX IXXXX XXXX ( wellsfargo XXXX  ) who charged XXXX and stated he would take care of the charges. The web site for well fargos shows payment of XXXX interest still there. 
It is very misleading.

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 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-05-03
Company: Peer Advisors, LLC
State: NE
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Reverse Mortgage reported to have taken place on  XXXX   XXXX ,  XXXX  in TN.   XXXX   XXXX   regarding mortgage reported to have taken place but Mortgage  Servicer,   CeLink  in Michigan has not shared any information with new conservator. The former  Power of  Attorney for elderly  XXXX  man that obtained the reverse mortgage is suspected to have pressured him into taking out the mortgage. That Power of attorney has since been relieved of her position by the court and criminal charges are being considered. The new power of attorney and conservator is trying to stop the foreclosure and court house auction scheduled for  XXXX   XXXX ,  XXXX  in  XXXX  TN. The person being foreclosed on is  XXXX   XXXX   XXXX , has  XXXX  and multiple physical health conditions, the former POA placed him in   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  and where he remains, unknown to family members until family found him. Evidence at this time shows that the mortgagee gave her POA in  XXXX  and since that time she violated her power by selling of other land property, used his social security benefits and retirement pension and funds from the reverse mortgage.  Mortgagee w ants to return to his home and arrangements can be made for him to return to his home if CeLink Mortgage  Servicer  will stop the foreclosure which the family believes was fraudulently conceived and executed by the former  POA and that Mortgage Servicer is aware of at this time. The mortgage Servicer was  contacted by email on  XXXX   XXXX ,  XXXX  and request was made by this complainant to stop the foreclosure. The sale of the property was delayed from  XXXX   XXXX ,  XXXX  to  XXXX   XXXX ,  XXXX  but that time has not been sufficient, and the mortgage servicer has not submitted needed documents about the mortgage to allow the family to take legal action against the former POA or the mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Foursight Holding LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 FOURSIGHT CAPITAL LLC checked my credit for unknown reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I review my credit report daily. I checked my credit report with XXXX where I have a fraud alert placed on my file. I found an inquiry was accepted by XXXX from JP Morgan Chase. There was also a bank account opened in my name as a result of this transaction. The first name on this account was XXXX XXXX and obvious error in the misspelling of my first name. I have never applied for nor authorized my social security number nor personal information to be used by JP Morgan Chase. I called the bank phone number XXXX XXXX XXXX XXXX on XXXX XXXXXX/XX/XXXX and was transferred to a wrong department and this department then transferred me somewhere where I sat in silence for XXXX minutes. I could not speak to anyone who would help me resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report after trying to obtain loan for educational purposes and was denied due to account on my credit report. I have never applied for credit nor entered any type of signed agreement of any kind with this company. I would like this account removed immediately from my credit report. It is incorrect and I would like to know who granted them access to my credit report.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following addresses are incorrect: XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX  XXXX XXXX XXXX XXXX ga 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 2022-08-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Incidence Date : XX/XX/XXXX Company : Express credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Re : XXXX request for reversal of XXXX payment Made via mobile app. ( Overpayment account is now in negative XXXX ) Called again XXXX for refund Called XX/XX/XXXX for refund that has still not been received no help with representatives *I also tried through XXXX bank but was unsuccessful

Company response to consumer: Closed with non-monetary relief