BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX  act # XXXX has Violated my Rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A sec 2. It also states a Consumer Reporting Agency can not furnish a 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 explanation
Consumer complaint received 2021-05-10
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX Suntrust Bank would not take my mortgage payments for my property do to a credit line that I owed that was unsecured .Suntrust said I would need to pay the credit line in full ( XXXX ) before they they would accept any payments form me. ( I was confused ) I asked Suntrust Bank who I needed to talk to .They said to contact XXXX XXXX ( Senior Asset Bank Dept.Manager ). I called in XX/XX/XXXX and he told me no payment would be accepted unless line of credit was paid in full. Since I could not afford to pay the line of credit in full I listed the property up for sale in XXXX XXXX line of credit was charged off in XXXX. ( I have documents ). I sold the property on XX/XX/XXXX XXXX and when I went to settlement Suntrust charged me {$3200.00} in late fees and interest of {$38000.00}. ( I have documents ) I completed/finalized the settlement. The next day XXXX XXXX I went to Suntrust/Truist location ( XXXX XXXX Md ) .I was told my contact person was XXXX XXXX XXXX.I reached out and discussed the situation and he said that Suntrust/Truist would give me a refund on my late fees. They did ( I have documents ). The next day I called again about the interest, XXXX XXXX said he could not help but sent me a screenshot of his computer screen ( I have that picture ). Something is not correct no refund on interest but late fees, yes. I would not have been in this situation if Suntrust/Truist would have excepted my payment or did any other actions, so they pulled the note from me. I carried the insurance the entire time. I was advised to contact CFPB ( Consumer Financial Protection Bureau ). I look forward to hearing from 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 monetary relief
Consumer complaint received 2020-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking  account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Synovus Bank
State: AL
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 had an unsecured credit builder card through a company named First Progress. I paid the card out, received a refund, and also closed the account in XX/XX/XXXX. I have a XXXX  balance on the account and it is still reporting as negative to the credit bureau XXXX as of XX/XX/XXXX. I spoke with multiple customer service representatives on different occasions with the most recent date on XX/XX/XXXX. I was told that I have a XXXX  balance in there system but they don't know why its reporting as 90 days late on my credit report. I was told to call one of their collection agencies named XXXX to see if they could tell me what's going on but they representative there said she couldn't find me anywhere in her system. It didn't make sense that a collection agency would have my Info since the account is paid in full, but I followed their instruction on that. I have documentation from my credit report to prove that this account is NOT 90 days late and that there is in fact a XXXX  balance. I would like for the company to send me a XXXX  balance letter to my home address XXXX XXXX XXXX XXXX, Al XXXX and also remove this account completely from all credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: TX
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this 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 2023-05-15
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: Was not notified of investigation status or results

Complaint:
I am requesting that the account XXXX XXXX XXXX XXXX is removed from my credit report due to unverifiable information. I sent a letter to the creditor and submitted a complaint through CFPB and this account has yet to be verified. This account was to be removed while an investigation was conducted but it was never removed. Now it has been XXXX months since my initial dispute and this account still has not been verified so how are the XXXX credit reporting agencies reporting this account as accurate? The complaint number for the dispute that was sent in XXXX through CFPB is XXXX. I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Thank you for your immediate attention to this 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to identity theft, I requested XXXX, Transunion and XXXX place a credit freeze and fraud alerts on my account in XX/XX/XXXX. All 3 bureaus failed to confirm this through mail or email. I followed back with XXXX in XX/XX/XXXX. There was no Fraud alert in place -- I requested this and again they did not confirm this in writing. Now I have had three subsequent identity theft events. The most recent was in XX/XX/XXXX when a hard inquiry was allowed by Transunion and an unauthorized line of credit was opened in my name according to my Transunion report. This is the exact reason a freeze and fraud alert was requested in XXXX and XXXX -- to prevent such an occurrence.

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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One restricted my credit card usage for a very long time. Time has went on and my credit has improved significantly XXXX XXXX - XXXX ) and I now have a major understanding of how credit works. Despite this, Capital One says my account is permanently restricted and can not explain why. They're just saying they can't reopen it. I feel like it isn't fair that I'm not being granted permission to use this card even after I've worked so hard to get it under control and keep it that way. I have just been granted two other credit cards from other lenders. One for {$1700.00}, and another for {$500.00}. There is simply no reason they wouldn't allow me access to a measly {$500.00}. Closing the account isn't an option for me because I need to keep this account open for credit age/history because it is my first card ever XXXX opened in XXXX ) and I hadn't gotten another one until about 5 years later ( XXXX ). If I close this account my credit will be ruined and it isn't worth it. That's why I want to come to an agreement with Capital One on them either opening my account back up for charges, or helping me get a new credit card without having to do a hard inquiry since there have been many random inquiries on my account as of late and I've been a loyal customer for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-02-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have violated my rights : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
original creditor XXXX XXXX ''XX/XX/XXXX '' debt was sold to XXXX XXXX in XX/XX/XXXX I were contacted by mail I responded to XXXX XXXX I asked them to to provide me with proof that the debt were valid they were not able to provide proof they were then sent a letter to to cease futher collections on this time-barred account XXXX XXXX   sold the account to RESURGENT CAPITAL SERVICES I were contacted BY MAIL RESURGENT CAPILTAL SERVICES STATED IN THEIR LETTER THAT THEY RECEIVED AN " INQUIRY '' AND THEY WERE INITIATING AN REVIEW I CONTACTED THEM TO ASK THEM THE LAST TIME THEY RECEIVED A PAYMENT ON THE ACCOUNT AND I ASK IF THE ACCOUNT WERE TIME BARRED THEY DID NOT ANSWER THE QUESTION AND THEY COULD NOT PROVIDE A DATE FOR A LAST PAYMENT RECEIVED AND I TOLD THEM THE ACCOUNT IS TIME-BARRED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2022, I was approved for a buyout refinance, but I could not move forward because my ex-husband refused to sign the settlement agreement. WF called every day trying to obtain a date for closing. When I could not get the agreement, the loan officer indicated that when I received the agreement to call him to get the buyout refinance done.

I went to court to force the settlement agreement.

The loan officer I worked with is no longer at WF, so I spoke to XXXX XXXX. I explained the history, and he even pulled up the old loan documents. I provided my updated income and history, and took a hard credit hit. 
Today, I was told that I had too many late mortgage payments for my XXXX mortgage in 12 months, and the loan has already been denied pursuant to WF guidelines. 
I do not have late payments on my XXXX mortgage on my credit report. They did not try to get proof. They simply stopped the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: MRS BPO, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It was time for an upgrade on my account so we went in to get new phones. We went in on Thursday and their system was not fully processing the phones so they asked us to come back the next day. We came back the next day ( Friday ) and their system was still down. So we went back on Monday and still nothing so we returned the 2 phones we did get and canceled the 3rd phone request. I paid my last bill in FULL and went with XXXX. I then recieved a bill for the 3rd phone that we NEVER recieved. I tried going into the store they told I had to call. I tried calling customer support they promised to fix it but never did. I very much care about my credit but I NEVER got the phone. I never even got it. This is not ok. You expect us as customers to pay our bill then as a customer I expect you to do the right thing and not cahrge me for something I never recieved. 
The store we went into was at XXXX XXXX XXXX XXXX, XXXX, WI XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: KY
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: GOLDMAN SACHS BANK USA
State: TN
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:
Back in XX/XX/2022, there was fraud done in my account. That was fixed. I called in XXXX, to make a payment on the whole account. They told me I had cash back of {$760.00}. I told them I did not want the cash back due to being from the fraud that was done. I did not want it to came back afterwards towards me. They told me the cleared the cash back. ( I dont have access to this account portal since XX/XX/2022 ) End of XXXX I received a statement that I owe {$1300.00}. Keep in mind my balance should be around {$800.00}. They told me that was from cash back that was added toward my account they dont know why. They have done 2 disputes. They tell me they will contact with me I have not heard from this was since XXXX. My last statement says {$320.00}. They transfer to different departments. No one is able to tell me about my account or help. They only make a claim dispute but does not go under my favor. Last call they transfer me to Apple Cash they can see it was transferred to Apple Cash ( but I dont have access to that Apple ID Due to being change from the fraud. They know the email they have in file is not mine and they say they send documents to that email. They are violating my privacy. After multiple time telling them I dont have access to the email. I need help. This is un fair. If it was a transaction I did I would understand. They tell me I have two late payment which I have called every month to get it fix they said my account is under investigation, to not worry about the payment. Now, they say I have 2 late payments. This is messing my credit score before all this it was perfect now it have drop to much. Please help me or guide me to what to do. I will attach the statement they have sent me.

Company response to consumer: Closed with monetary relief