BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Resurgent Capital Services L.P.
State: MO
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 already disputed this item with your firm. The company sent me an answer and you then closed the investigation. However, the legal and credit reporting issues were not resolved! 
LVNV/Resurgent claims they were in accordance with FDCPA section 809 ( 15 USC 1692g ) and applicable state laws when they sent me information that in this day and age can be magically and professionally printed on any lazer printer! This information was simply " an account summary, terms and conditions, and bill statements 'on file ' "! This does not legally verify this debt as mine! Where is the documents THAT VERIFY MY IDENTITY in relation to this account? Where is the signed contract? Where is the valid ID or driver 's license? Where is the social security card? These documents are needed to LEGALLY verify any clients/customers identity as stated in the PATRIOT ACT! And since your firm, The Consumer Financial Protection Bureau HAS NOT forced them to comply and then closed the previous case I will sue you as well as Resurgent in court if this is not resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have this Home Depot Credit card. They lowered my credit limit without any issue. and without even a notice. Which impacted my credit score.

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 2017-05-05
Company: Franklin Collection Service, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with this company several time about the debt was paid before this collection agency picked up this debt. Then I asked them to remove the negative ite that is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my business account with BB & T on XX/XX/2021. I had booked a reservation at the XXXX XXXX hotel they couldnt accommodate the room I booked and the room they had was infested with bugs so I received a refund for the full amount that was initially authorized. The amount of the refund was XXXX. When I realized the transaction posted and not processed back into my account I called BB & T to initiate a dispute. So the dispute was initiated and I was first told the merchant processed the transaction wrong. I also noticed another debit of XXXX from the merchant. I didnt authorize and I never stayed at the hotel. I provided my refund receipt. BB & T denied my claim stating that they couldnt help me and the merchant could take the money with no explanation even though I had my receipt showing a refund and no balance was owed. So then I found another XXXX XXXX XXXX XXXX nearby I stayed one which my card was authorized and charged the correct amount, then I stayed from the the XXXX to the XXXX of XXXX. I stayed from the XXXX to the XXXX of XXXX. The total amount should of been a estimated {$580.00}. I received my receipt where I was credited XXXX. A debit of XXXX posted to my account and XXXX remains pending since XX/XX/2021. 
The bank is posting what is supposed to be credit as debits. There is no way to speak with customer service. You have to have a pin which I did set up with the banker the it stopped working. The hold times are to an hour. My account is overdrawn - {$770.00}. Which it should not be. I was also charged a unknown overdraft fee for what I have no idea when I had enough funds to cover every transaction on my 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 2023-08-03
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. 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 non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as collection with a PAST DUE BALANCE of $ {$1100.00} Name : XXXX  Account # : XXXX Description : All three Credit Bureaus are showing account in collection with a Past due balance : TransUnion show a past due date of {$1100.00}, XXXX Show Past due of {$1100.00} and XXXX show Past due balance of {$1100.00}. Under XXXX XXXX Guideline account must be deleted by Law. 
This is a violation of FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards, By the previsions of the Fair Credit Reporting Act and per the standards of reporting compliance, implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my credit report. 
I await your reply with the above requested proof. Receiving it, I will correspond back with by certified mail. 

Sincerely, 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 2020-03-14
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Despite my account being current, timely payments made, and the latest statement showing a current balance, I still receive harassing robo calls from Planet Home Lending , LLC. The calls specifically state Planet is attempting to collect a debt. I have already notified Planet Home Lending , LLC to cease robo calls and to only communicate in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2021-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax makes it difficult and inconvenient to manage credit freezes. 
I did not have any issues with XXXX or XXXX, but Equifaxs website said there was a problem ( no other explanation ), and asked me to call their toll free number during certain hours. 
The hours are limited, and ultimately the automated phone service was able to lift my credit, but it took time and there is no reason why this automated phone system is not in service 24-hours a day. 
The next day my wife needed to unfreeze her creditshe got the same error on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
Hello CFPB my name is XXXX XXXX I am a consumer practicing my legal rights I have created in dispute With Experian in regards of some increase the ID not authorize I have mailed Experian a dispute in regarding those inquiries I have called by phone Experian directly and asked him for my permissible purpose documentation signature in order for those inquiries to be posted on my consumer credit report there was no permission mail to the consumer My understandings Any consumer agency needs to send a written notification to the consumer notifying to the consumer. any activities on the consumer credit report this is called fraud 15 US C 1681Q explains it is unlawful If a consumer mention to a credit bureau of the in accuracy and performs an investigation when the investigation is not being performed

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 2021-06-11
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan was placed in Forbearance status in XX/XX/XXXX. Then, I applied for a loan modification through my current Lender in XX/XX/XXXX. I did not receive a response to my loan modification request until XX/XX/XXXX. I did however continue to make mortgage payments between XXXX and XXXX while my modification was in process. These payments were applied to a suspense account and not my principal balance. In XXXX, the modification offer I received contained conflicting and unclear information ( i.e. different amounts/totals on different pages, inconsistent dates, missed information in regards to my current loan, etc. ). I made a multitude of calls to my current Lender in XXXX for clarification and corrections to the paperwork but received no resolve. Therefore, I declined the offer in XX/XX/XXXX and requested my account be brought current by applying the funds in the suspense account to my principle balance. This took approximately 4 5 weeks and several more phone calls to correct. I have made every monthly payment on time since XXXX through XX/XX/XXXX. However, my current Lender has been incorrectly reporting my account status to all three credit bureaus as 60-89 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and as Unknown for XX/XX/XXXX and XX/XX/XXXX. 
This has adversely impacted my credit scores. One bureau score dropped by 140 points and the other two by 40 points each. I currently do not qualify to refinance my mortgage loan as needed. I also have been unable to obtain additional credit to finance repairs to my home. 
I have made numerous phones calls to my Lender for correction. I was told I needed to submit a request to their Research Dept., which I did in XXXX. I followed up on this request four to five times since via phone and email and have not received a response or status update as of yet. This issue is still unresolved today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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 don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/22 On XX/XX/22 a XXXX XXXX XXXX and XX/XX/2XXXX XXXX XXXX were reported as an inquiry to my credit report. So, I filed a police report to report this inquiry to Transunion and XXXX. XXXX removed this inquiry but Transunion refuse to remove it. I contacted Transunion around XXXX to see why they are not removing the inquiry. They said in order to remove the inquiry XXXX must filed an FTC report in order to remove the inquiry. As XXXX went by, I contact a Customer Service on XX/XX/22 about the XXXX XXXX XXXXXXXX inquiry. They told me they haven't received it even though which was confusing, but the ladies will file an investigation on what happen to the letter, so they are telling me they are waiting on my FTC report. So, I sent another FTC form that same day and I have a receipt to prove that I sent it and the post office say they should receive it on XX/XX/22. I contacted Transunion today XX/XX/22 about any updates and they told me they received the FTC form on XX/XX/22 and they say it was declined because it didn't have a date on it. Now the last time I call the rep say they didn't have it and now they had it since XX/XX/XXXX and was declined because of no date which is false because it is a date on the form. So, I'm becoming impatience and ask to speak to the supervisor, and she is saying now I need to get a letter or Form from XXXX XXXX XXXXXXXX that I have to send to Transunion now to move forward. I knew something was up and the Supervisor will not remove my inquiry. I contact them again and I told the rep you are telling me you can not removes this inquiry but according to Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. The Customer Service do not want to answer and kept saying the supervisor said we can't remove this inquiry. So, when I told him can you please answer my question yes or no, he hangs up the phone. The Transunion customer service reps did not want to help solve my issue just to only give me the run around by adding more things in order to remove my inquiry. I want to file a complaint.

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 2022-03-24
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid 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/XXXX at XXXX I purchased a 5 night stay at a cabin on XXXX XXXX At XXXX that night, XXXX sent an email stating that the cabin host cancelled my reservation. The host contacted me via the XXXX messaging app and stated that the cabin was only available for a 7 night minimum stay and they cancelled my reservation. I ended up booking a different cabin on a different website. Unfortunately, the reservation in the amount of {$7300.00} was posted to my credit card and after several days, it was never removed. I immediately contacted XXXX via chat and spoke to a XXXX XXXX The XXXX agent says that they only placed a hold on for the reservation but cancelled it and they never received payment thus there is nothing to refund. They said it was a mistake on Citibank 's part and I needed to clarify the fix with them. In my XXXX  profile, I confirmed that reservation was indeed listed as Cancelled. 

I contacted Citibank and they told me to file a dispute which I immediately did. On XX/XX/XXXX, Citibank sent me communication asking for documentation which I did. I sent them the email showing the reservation made, the reservation cancelled, the chat session with the cabin host explaining why they cancelled the reservation and the chat session with the XXXX customer service representative stating I needed to resolve the issue with Citibank and the refund policy. 

On XX/XX/XXXX Citibank denied my dispute stating that I was responsible and reposted the {$7300.00} to my account. In the letter they questioned how I was able to book a 5 night stay if the cabin was only available for XXXX nights and then told me I didn't read the XXXX refund policy for the reservation. 

I wrote back stating that I DID NOT cancel the reservation and that the cabin host cancelled my reservation immediately after I booked it through XXXX. In addition, in the documentation I sent Citibank, it clearly states that I can receive a 100 % refund if the reservation is cancelled on or before XX/XX/XXXX. I contacted the Citibank Dispute resolution center, but they refused to do anything and said I had to email Citibank. 

I am so mad that Citibank would attempt to blame me for this and wants me to pay for a trip that was cancelled by XXXX. They've been dragging this out for months even though I've provided all documentation back in 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX 900000********Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXBalance Owed XXXX {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$56000.00}

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 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern regarding the presence of fraudulent items associated with my profile. I have recently become aware of the existence of these items and am deeply troubled by their presence. 

The fraudulent items in question include unauthorized transactions, false information, I have attached supporting documentation. 

I understand that your company takes matters of fraud seriously and is committed to maintaining the integrity of its services. However, the current situation has caused me significant distress, and I am seeking prompt and effective resolution to rectify this matter. 

I urgently request that the fraudulent items be removed from my profile at the earliest possible time to prevent further harm and safeguard my personal information. 

I request a thorough investigation into the origin and circumstances surrounding the fraudulent items. Understanding how this occurred is crucial to prevent future occurrences and to hold responsible parties accountable. 

Clear and timely communication throughout this process is essential. I request regular updates on the progress of the investigation and the steps being taken to address this matter. I am asking for your assistance to remove these fraud 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 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