BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-22
Company: Union Home Mortgage Corp
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023, I enrolled into automatic payment of my mortgage. I was going out of town, and was ensured by the UNION HOME representative that they would do automatic payments from my checking account which I had enough money for withdrawing these payments. 

When I got back into town, NONE of the payments were withdrawn from the checking account and I received mortgage statement showing that I was past due. 

I tried to immediately call this lender and NO ONE answers the phone and NO ONE calls back. 

I do not want any late payments to be recorded on my credit report which is a bank error and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This account was closed as a result of the paper statement fees that Truist charged to put my account into the negative. It was not because I overdrawn my account. Received a letter that company closed Truist One Checking Account that was opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. From the letter the balance due was {$38.00} and that includes a {$30.00} charge-off account fee. My parents set up automatic deposits to my account every XXXX weeks of {$100.00}. I was unable to access my information through automated banking and was unable to set up online banking.. 

I called the Truist Recovery Department on Monday, XXXX XXXX XXXX and spoke with a XXXX XXXX XXXX XXXX  ). Inquired on why the account was closed when it was a new student banking account. XXXX informed me that after 30 days the system will automatically closed the account. I stated that {$6.00} of the overdrawn amount was the {$3.00} fee charged for receiving paper statements. ( I am enclosing statement showing that statement fee increased the amount ) I asked about the negative reporting of " closed unsatisfactory '' status that the letter stated would be sent to specialty check reporting agencies. I stated that I am XXXX XXXX XXXX first checking account and that they were trying to ruin my credit over {$8.00} which was only {$5.00}. Account history will show that no excessive use to overdraw the account. 

I asked to speak to a supervisor and was denied by XXXX. He said the company policy was to advise client to wait 24-48 hours to speak to a supervisor. I then verified that XXXX was indeed denying me the opportunity to speak with a supervisor. He said a payment had been made for {$38.00} and the account was permanently closed. I stated no one has remitted payment but that automatic deposits have been sent to my account. I then asked where the remainder of the funds were and XXXX was unable to provide me an answer. He said he would send a letter to my email address stating the account was paid and closed. I have not received the letter. 

I asked again to be transferred to customer resolution or the Presidents office because I wanted to formally complain and XXXX said he could give me a number to call but that he could not transfer me. He gave me the number of XXXX 

This closure of my account was not my fault and now it can affect my ability to open a checking account in the future and have negative impact with check reporting agency. And the {$30.00} fee that was charged ridiculous also considering that Truist increased the negative amount by charging {$3.00} paper statement fee

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 2024-01-29
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX XXXX Dear To : WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information. In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information. I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly. Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. Thank you for your prompt and diligent attention to this important consumer protection matter. Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
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:
My social security number is XXXX on experian credit report and XXXX Credit report theirs is negative item that's 60 days late it supposed to be removed from my experian credit report and XXXX Credit report theirs is a federal trade commission identity theft report on file please have experian remove the account and 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 2024-01-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/year>, I filed a dispute for XXXX XXXX XXXXXXXX XXXX for an order placed on XX/XX/year> in the amount of {$1900.00} against a merchant that can not ( a ) legally sell their product within the state of XXXX and ( b ) did not follow through with their warranty, Dispute ID : XXXX. After filing the dispute I was told : " We're looking into your dispute and will keep you posted on our progress. Remember to hold onto all supporting documentation for 90 days from the date your dispute was opened. '' and that was the only information I was told by Citibank. I was never able to submit any documents or additional information regarding the dispute nor was I given any updates prior to being told, " Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. If you are unable to provide this, you will need to seek other means to obtain credit. '' They never requested any information and they made no attempt to investigate this dispute, especially when it's a XXXX, an ONLINE MERCHANT for which I have a receipt from the order.

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 2023-12-06
Company: Experian Information Solutions 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:
I am writing to express my deep concern and frustration regarding the numerous attempts to remove fraudulent items from my credit file. Despite my efforts to address and rectify this situation, it appears that unauthorized parties are persistently attempting to manipulate my credit report, raising serious questions about the security and accuracy of my credit information. 

On multiple occasions, I have observed and documented several attempts to remove fraudulent items from my credit report without my consent or validation. These actions not only jeopardize the accuracy of my credit history but also indicate a potential security breach. 

Despite the significant impact of these removal attempts, I have not received any communication from your agency to verify or authenticate such changes. The absence of proper verification procedures is deeply concerning and contributes to the ongoing vulnerability of my credit information. 

The persistent nature of these removal attempts has heightened my concerns about the risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a thorough investigation to prevent further unauthorized alterations to my credit file. 

I am formally requesting that your agency conducts an immediate and thorough investigation into these incidents. I also seek regular updates on the progress of the investigation and detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2023-12-06
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request an investigation into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information within 30 days of receiving a consumer dispute. I kindly request that you initiate an investigation into the inaccuracies I have identified and inform me of the results upon completion of your investigation.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is my 5th attempt to exercise my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report : XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account Number Not listed on the report Bankruptcy Public Record. U.S Bankruptcy court As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following information is incorrect Personal Information that is listed on Experian credit reporting agency that does not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX 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 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2024-01-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
MY CD is up for renewal on XX/XX/XXXX  - I called customer service to inquire about renewal and was quoted 5.3 % for a 9 month renewal. I agreed and asked to process that renewal. I decided to open another CD at that rate and called back XXXX minutes later - and was quoted a rate of 5.13 % - saying that the rates had dropped. I asked about the previous call and was told that I would not get the other initially quoted price - since they had a problem with their system not having been updated. The customer service calls are recorded and my version of this call can be verified. I believe that if a bank customer service representative gives me a rate that should be honored. Otherwise- they can process any percentage after I get off the phone without any accountability. I am asking that the XXXX renewal rate of 5.3 % for XXXX months be honored. 

I am still waiting for a supervisor. Banks need to be honest in their dealings with customers.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to bring to your attention that XXXX has already removed the disputed account from my credit report as they were unable to verify the debt. I request that your bureau also remove the same account from my credit report as it is causing me undue stress and XXXX. The questionable account is : XXXX  XXXX XXXX XXXX. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that this debt is valid, and I demand that it be removed from my report 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 explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
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:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: GA
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 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX  Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. The records I'm disputing, which stem from this identity theft nightmare, have no basis in reality. They don't correspond to any transactions I've authorized or any legitimate financial activities. It is beyond frustrating that my previous attempts to resolve this matter have fallen on deaf ears. Enough is enough. This is not a mere inconvenience ; it's a blatant violation of my rights and a severe detriment to my financial standing. I demand, in no uncertain terms, that you promptly take action to obliterate any information in my credit report that originated from this heinous act of fraud. The urgency of this situation can not be overstated. Accounts : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  ( Original creditor : 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 explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: GA
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 am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief