BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2017 at XXXX XXXX I called Suntrust mortgage because I was impacted by Hurricane Irma.  We were declared by FEMA to be a disaster zone.  My insurance company would not pay because my damage was only around $XXXX   total and the deductible was raised due tot he hurricane to 5% of total value of my home so it was around $XXXX.  What that meant was all the recovery was out of pocket.At that time I was 1 to 2 payments behind and paying every month still trying to recover from Hurricane Matthew which hit us one year before.The representative from Suntrust said I will be put on a 6 months no pay forbearance and at the end of the loans they will automatically add the payments to the end of the loan and since I was 2 behind already my forbearance period would only be 4 months.I took the assistance because I needed it.  At the end of the time period when Suntrust reviewed me to finalize the disaster modification they claimed because I was 2 payment behind already they were not going to assist me.I have been disputing this ever since because I would not have accepted the assistance had the representative given me correct information.   But because I believed the misinformation from Suntrust I am facing losing my home. I have escalated this with Suntrust but they are not helping and will not honor what their own representatives committed to.I was forced to submit a borrowers assistance package and without notice Suntrust changed their guidelines so now they will not review meMy wife and I are XXXX  US XXXX veterans and my wife is XXXX  XXXX  from XXXX connected XXXX  but Suntrust does not recognize that

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 2023-10-31
Company: EQUIFAX, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-10-25
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2023 I sent affidavit to Experian to remove unverified information on my credit report without my consent. Experian violated code U.S. Code 168b ( 2 ). Experian violated my rights as a consumer.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
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 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-02-03
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: Information belongs to someone else

Complaint:
unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX 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

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 2023-02-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. Navy Federal Credit Union - XXXX : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with UPGRADE ( XXXX XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX XXXX, XXXX ), XXXX NAVY FEDERAL ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-10-16
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:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on your 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 2023-02-24
Company: Army and Air Force Exchange Service
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is in regards to the Army and Air Force Exchange Service. Their preying practices on individuals who the debt does not solely belong is immensely negligent, and just because they are considered a " government agency '' does not intimidate me nor will it prevent me from exploring all avenues to correct their grossly negligent actions. This credit card is only available for members associated with the armed forces ( therefore I was only able obtain this card with my now ex husband who is the active duty service member ). With that being said a card was opened with this credit card company with my now ex husband on the card as well. Our divorce was finalized in XXXX of XXXX with many court orders with the a specific mention to the Military Star Card. My ex husband is responsible for {$2900.00} per a court order signed by a California judge. However, the Army and Air Force Exchange Service made no attempt to contact my ex husband who is listed or pay attention to the court order which I did email to them on XX/XX/XXXX. I have the email correspondence that I would be glad to share. I also have all of my court documents that I will be glad to provide as well. The Army and Air Force Exchange Service has the capability to garnish the service members pay, but they did not do that and refused to acknowledge a court order. This is a service member who has several security clearances ( does not pay his court ordered child and spousal support either so how he can continue to carry these clearances is beyond me. I hope a bench warrant is issued in the future for his massive arrears ) and brings home over {$6000.00} a month, but instead they choose to prey on me and the debt is not solely mine. It seems as if the military likes to enable financial negligence in all avenues and this also includes protecting their service members with security clearances who do not even provide the court ordered support for their own two children. I intend to explore all avenues including contacting the attorney general, small claims, and if needed trying for the Supreme Court. This " government agency '' needs to to be held accountable and do the right thing by enforcing the proper action on court orders.

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 2023-01-31
Company: EQUIFAX, 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 challenging an account that Equifax is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Equifax last month informing them of this, but my request fell on deaf ears. I do not believe that Equifax started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Equifax reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Equifax. Please see the attached documents and remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I ordered merchandise from a website XXXX  based on an unsolicited email. Payment was made by e-check and withdrawn from my account on XX/XX/XXXX in the amount of {$110.00}. The merchandise was never delivered. About a month later I notified XXXX  that I never received the merchandise. They promised to reship but of course it never happened. Subsequently, I notified them that I did not receive the reshipment either and I requested a refund of {$110.00}. They promised a refund but of course it never arrived. On XX/XX/XXXX I notified the FTC that I was scammed and filed a formal complaint. FTC advised to call my bank and attempt to reverse the e-check. My bank informed me that it was too late to reverse the charge since their limit is 60 days after the transaction to undo an e-check. FTC then advised to contact CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
After disputing an account that it is not mine with Comenity Bank, Comenity Bank came back stating that they have validated the account and they are stating that their records indicate that an Express account was open on XX/XX/2022 under my name with a Balance of {$390.00}. The problem is that I have never open an account either with Comenity Bank or EXPRESS, if this account was open under my name I did not authorized or purchased anything using this account. They did send me the statements showing that the account exists, with this I know that someone that is not me open this account. I am demanding a further and more deeper investigation as to how the account was open, who sign, or anything else they do to prove it was me who open this account. In the meantime they are reporting late payments on my credit report that is affecting me with some financial transactions I was going to do. 
I have started a Police investigation and have also reported a Identity Theft at the Federal Trade Commission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: Self Financial Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: LA
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. 
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 2023-07-05
Company: Experian Information Solutions 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:
As a victim of Identity theft I have asked XXXX and Experian to block this information. I have sent over three times id theft affidavit, FTC theft report, Police report showing the thief was arrested for using my information and showing I never lived in Georgia police report clearly states they arrested victim that lives at XXXX XXXX XXXX and that I contacted them from IN to let them know that wasn't me. She has been arrested three separate times for using my identity and charged with false information to police officer. Her ID in GA shows a different height XXXX  inches shorter than my license and XXXX  thinner .I have submitted all this documentation to both credit reporting agencies Three different times with only small results XXXX did there research and removed all items I'm asking that XXXX and Experian do there research and block these Items as well I can fax over all documentation needed it's only allowing me to upload one document

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