BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had my home mortgage with BB & T for several years now. They were not the best mortgage company that I have had- I own several properties- but they were OK. Ever since this company became TRUIST, it has been a nightmare. Their automatic payment site just does not work. For the past several months, I have called into their Customer Service line because I end up in arrears and then I get a {$40.00} late fee in addition to the fact that I have to spend an hour or more on the phone supposedly fixing things. Yesterday, I tried to log into my Mortgage account which is a separate entity from the Banking section. I kept track of the the time, and the little wheel spun for XXXX minutes before I gave up. I never was able to sign in. I tried again later with the same result only I gave up after XXXX minutes. See pic of what this looks like below. If it is not even possible to sign into my mortgage account, how I am going to see what is going on. Customer service keeps telling me that I can pay through them. I have better things to do with my life than to call them every month and sit on hold for goodness only knows how long waiting for a rep to answer. I see no reason why they can not have a method that will take the money from my credit union and put it into their system every month automatically. This nonsense has been ongoing ever since the company became Truist. The government should have some safeguards in place to ensure that Banks can not treat customers like this. The only advantage from their end is that they get to charge an extra late fee of {$40.00} every month. Every other mortgage company I have had ( and there are a bunch of them because they keep selling mortgages to each other ) has had a system that works just fine. Truist has a site that is totally non-functional in my experience. If anybody reading this has a choice of which site they can use to get a mortgage, do NOT choose Truist! You are better off with any other company in my experience. 

Every month it is a battle with Truist because nothing works the way it is supposed to work. This is even AFTER I have been " helped '' several times by Customer Service reps. One of the problems is that after the problem has been " fixed '', it does not take effect for two months so you are still left with a mess for the following month and if you try to fix that, then you have to wait for another two months. It is a never ending saga of things that can go wrong so that they can charge you {$40.00} for being late again.

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: EQUIFAX, INC.
State: AL
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:
I ask agency to do a investigation on my information which they never did a full investigation so that would make what they are reporting inaccurate I ask for written signature proving I was the alledge buyer for XXXX XXXX account thats just started reporting but said account was closed so it shouldnt still be reporting a delinquent specially if its in bankruptcys means it been paid plus the bankruptcy not in my name do yall still reporting it to the wrong report usc code 15 everything must be accurate / correct on any consumer report this the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im resubmitting 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 any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/2022 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-22
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: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-08-24
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've attempted to contact my mortgage company Shellpoint A division of NewRez for the last 6 months using the phone number provided to me by them, XXXX but it automatically disconnect me every time i've attempted to call them. it wasn't until I got the foreclosure notice that I was able to contact my original lender with their listed company name. XXXX XXXX XXXX which I was able to reach an agent of that company who themselves told me that the number provided by ShellPoint wasn't the correct number to contact them. The XXXX agent then provided me with the correct number to reach shell point at : XXXX and XXXX. I tried submitting an inquiry on their website about the correct contact information aswell but their website gave me a scripting error. When I finally spoke with an agent at shellpoint a division of newrez they told me I could contact them through the exact same number that automatically disconnects every time I called, and to make sure it wasn't just my phone service i've tried at least 5 other phones borrowed from friends and family, both mobile phones and land lines. They denied that the phone number doesn't work, so i requested a script of the recorded call. I gave them all of my updated contact information for their records which you can get from them as my phone number has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery {$590.00}, XX/XX/2017. The collection has been reported and appears on my credit report as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: ATG Credit, LLC
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was attending XXXX XXXX university online. I was offered a grant of up to {$1800.00} if I wrote a 500 word essay stating why I needed it. 6 months later I received a bill in the mail for XXXX dollars. I was never told I would have to repay the grant at the time I wrote my essay or on the application itself. They are withholding my transcripts from me and have documented this false debt amount on my credit report for {$2000.00}.

*I have the actual application I used when I applied and I also have a picture of the 500 word essay for the grant application I wrote documented in my student online account under my documents showing I did indeed write the essay. *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: TN
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2022, i discovered that the check that i has sent to pay my property taxes never arrived to the Tax Collector. 

Check amount : {$1.00}, XXXX- Chase Bank- check number XXXX in fact the check was stolen, altered and cashed by another Chase customer, in my own neighborhood branch. This information was given by Chase customer service when i filed a claim. the first name on the check was whitened out, replaced and the last name of the Tax collector was changed. 

Chase knows who cashed the check : the woman is one of their local client ( same branch i filed a claim into ). But, under pretext of privacy, Chase does not want to take any action because, according to their rule, the time limit for complain is over.

they are helping a thief instead of a senior and honest customer.

i have tried numerous avenues, claims with Chase, filing with the police and then Sheriff nothing worked yet what can you do?

WHAT IS THE FEDERAL RULE? the sheriff told me that the bank is responsible, having to check, verify the order of the check, before paying it, especially for such an amount. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
my home is being unlawfully foreclosed on with fraudulent assignments. This is also a case of dual tracking the mortgage co and i were in conversation about a loan modification. They mail me loan modification package and i submit the complete package instead of working on the modification they sent my loan to XXXX XXXX XXXX FOR FORECLOSURE. THEY WERE SENT A QWR AND THEY HAVE RESPONDED TO MY REQUEST, NOR DID THEY RESPOND TO MY NOTICE OF ERROR OR NOTICE OF DEFAULT WITH THE QWR I ALSO ASKED FOR THE GAP ACCOUNTING AND THEY DIDN'T PROVIDE IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: CA
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:
Im resubmitting 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 : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX  XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Zions Debt Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Good day, a company called Zion XXXX XXXX XXXX has reported a collection of {$480.00} on my consumer report. I have know knowledge or no contract with this company Ever. I have filed a FTC report and the number is XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: TN
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I wanted to send money to my mom and the WesternUnion app has an option that if someone completed the process in the app, it will charge them {$5.00} but despite I completed the process and received a confirmation email to go to the agent at this point and went to the agent at XXXX XXXX XXXX XXXX CA, the agent at first tried to send it but she couldnt because it was asking her the identification number which we didnt know neither the agent. Then i called the western union customer service and waited for the commercial for 40 minuets after that a lady answered and when I explained the situation to her she said she was sorry for the inconvenience and then again the computer started the commercial for more than one hour and then the call dropped. Then I asked the agent to help me but she was rude and refused any help. Then I did not have any other choices except to send the money to a higher price which was {$11.00}. And it looks like western union wants to one up people by giving them false promises. I want my {$6.00} back because they were dishonest to me and If not I will sue them as they wasted my valuable 4 hours. And finally no help. They have the wrost customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my Barclays Carnival Credit Card. I submitted a dispute for this charge via the Barclays website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next XXXX business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, Barclays continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, Barclays fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and Barclays admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. Barclays fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.

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 2023-02-17
Company: EQUIFAX, 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:
The following information is fraudulent and its hurting my credit report, delete immediately due to identity theft. attached is FTC report. 
Delete this Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX Delete this account XXXX XXXX XXXX Reported : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
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: Account status incorrect

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2022-11-12
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the following accounts with the Credit reporting agencies multiple times directly as well as through previous CFPB complaints! The CRAs continue to state the accounts are accurate without providing the procedure used to verify the accounts. I have also disputed directly with the furnishers of the information and have received correspondence from them that proves the information reflected in my consumer report is not 100 % accurate. In some instances the accounts are not reflected completely and is missing valuable information. All the CFPB does is forward the information this company is not performing a thorough investigation into the issues being provided by the consumers! 

The following accounts have been continuously reported inaccurately after being made aware of the errors! 

XXXX XXXX XXXXXXXX ) I will include a CFPB complaint response in which the company clearly states they will have the XXXX delete this account XXXX XXXX XXXX XXXXXXXX ) I will be attaching copies from the original creditor as well as the purchaser of this account in which the original creditor states the last payment posted to the account on XX/XX/XXXX and the purchaser of the account is reflecting XX/XX/XXXX. 

XXXX XXXX ( XXXX ) I will be attaching a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor. Transunion reflects XX/XX/XXXX as the date XXXX acquired this account ; the original creditor states XXXX acquired this account XX/XX/XXXX. 

XXXX ( XXXX ) This account is reflecting an inaccurate date of closing for trans union XXXX Transunion is reflecting XX/XX/XXXX as the closed date however XXXX has made it clear the account was closed on XX/XX/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 2023-10-27
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting 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:
these inquiries are unauthorized, and they are not related to any transaction made by me. 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 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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXX Balance : {$41.00} XXXX FIN XXXX Balance : {$3800.00}

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