BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 XXXXXXXX, 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 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My husband applied for a card with American Express. They could not approve instantly, which is fine. However, they started calling the house six times yesterday and four times so far today. ( XXXX and XXXX ) Each time I told them he is out of town until Monday and asked them to stop calling. They refuse, claiming their automated system wont let them stop the calls. It has escalated to the point of harassment, they know he is not here and when to reach him. They have woken my son eight out of those ten calls. Im at my wits end and they say they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON CREDIT BUT TO MY SURPRISE NONE OF THE ACCOUNTS BELONGED TO ME. I HAVE NEVER OPENED THOSE ACCOUNTS AND I HAVE NO IDEA HOW THEY GOT ON MY CREDIT. BECAUSE OF THESE ACCOUNTS MY CREDIT IS NOT WHERE I HAVE WORKED SO HARD FOR IT TO BE. I DO NOT WANT TO BELIEVE THE FACT THAT MY IDENTITY HAVE BEEN STOLEN BUT IT IS VERY OBVIOUS THAT THIS IS THE CASE. I HAVE ALWAYS TRIED MY BEST TO MAINTAIN GOOD CREDIT STANDARDS. IT IS VERY UNFORTUNATE THAT I HAVE TO GO THROUGH THIS SO MY REQUEST IS THAT YOU RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

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 2023-06-27
Company: Block, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, my cash app account was closed and I havent done anything to violate the terms of service and policy. I have reached out to cash app multiple times in order to have this issue resolved and get unbanned however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRUIST FINANCIAL CORPORATION
State: NY
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:
I checked my credit report and noticed the following inquiries that I never authorized : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX   Inquiry from 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 explanation
Consumer complaint received 2022-04-13
Company: Amsher Collection Services, Inc.
State: NY
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:
Wrongfully reporting Debts on my credit report without any notification that the debt was even owed. No calls, No Emails or No Postal Mail. Not only that, The debt doesn't even belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was sent a paper letter from Mohela on XX/XX/2023 indicating I was on administrative forebearance from the period of XX/XX/2023 to XX/XX/2023. Today XXXX/XXXX/XXXX  I checked my online account and noticed Mohela had generated a bill and a due date of XX/XX/2023 within the last few days ( as I check my account regularly ). I have not been notified digitally nor by regular mail of this due date. In addition, this payment was generated during the aforementioned administrative forbearance period as indicated on the correspondence I had received. Had I not checked for myself I would not have been aware of an upcoming payment date. This is unacceptable. In addition I submitted a XXXX  E-Sign Employment verification as I normally do which was submitted to Mohela on XX/XX/2023. It is now almost 70 days post my submission and my payment count has yet to be updated. 

This company 's lack of communication is unacceptable. I have never delt with this level of incompetence in the over XXXX  years I have been enrolled in XXXX. I hope you can assist me, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A check from a water company in Illinois payable to a leasing company in Minnesota for {$2300.00} cleared the checking account I hold jointly with my husband. Fifth Third took this money from our account instead of the water companys account. The bank stole our money from our joint checking. 

The check that cleared has nothing to do with us or our account. The companies involved have nothing to do with us. The account number of the check and our account arent even close. 

This happened on XX/XX/XXXX, I called the bank on the XXXX. Took almost 2 hours back and forth between the dispute department and customer service to finally get a claim number. I was told it would take a couple of days to fix. Not fixed this morning on day 2 so I called again. 

Apparently the case was denied and closed!! 

Meanwhile this whole time my account is overdrawn and getting overdraft fees. They took the overdraft fee off today and submitted a new claim. Said it would take at least 3 business days to hear anything. That is 5 more days because it is now Thursday.

So I may hear back, and it may be fixed, next Monday - 11 days after they first fraudulently took money from our account - I am not holding my breath. 

I would like the money to be returned to our account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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 accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S.

Code 1602 ( p ). Also violating 18 USC 894. Using my name and address without express written consent in violation of O.C.G.A. 16-9-93.1 Then list the items that are creating the negative impact Statement : XXXX XXXX XXXXXXXX and XXXX  have violated my rights, and restraint of trade in violation of 15 USC1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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 XXXX years. 
15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

I let these agencies know about these errors beginning in XXXX XXXX XXXX sent evidence police reports and they continue to report and supply the same information without consent.

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 2023-05-04
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'd been living at a house since XX/XX/XXXX. On XX/XX/XXXX, I moved out leaving my last month deposit, {$500.00} pet deposit, and half a month rent. I cleaned the house and dropped off my keys. A couple of weeks later, I got a letter demanding {$3700.00} in damages to the house. I was then sent to collections. I've written twice with no response. I left the house with normal tear and wear. I've attached both letters and the lease. This collection is baseless. The landlord wants to charge me for paint and carpets for the new tenant. When I moved in the house neither the paint nor the carpets were new. I want this removed from my credit report because it's damaging in an unfair way.

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 2020-03-31
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have a mortgage through BB & T Mortgage. I live in California. My husband and I are both out of work due to the state wide mandated COVID-19 Lockdown/ Quarantine. I am not being paid and have been forced to file for unemployment. 
I have tried to call BB & T bank to discuss our options. I have called every day since XX/XX/2020. I have spent multiple hours on hold and have left messages. No one has ever picked up the phone nor have they returned our calls. On BB & Ts website, it states in the FAQ that they will give a 3 month forbearance but at the end of that 3 months, they want you to pay the full amount due. That would be 4 months of payments in one lump sum? How can we possibly do this? This is not going to help us. We have never paid late on any mortgage loan. This company is not helping the community during this horrific time of loss. What they are doing is creating more stress and potential heath problems due to their lack of communication and unreasonable solutions. We have been mandated by our government to stay home. Its not our choice. Therefore, this issue is not our fault.

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 2019-03-27
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
foreclosure notice never sent contacted them XX/XX/XXXX to discuss payment arrangements and was told as of XX/XX/XXXX we were in foreclosure. nothing in writing had done the trehab programs with no luck. also had to request no robo calls as they were coming in all hours of day and night. sent them letter saying to stop robo calls but to contact us by regular phone, which hasn't been done. they have some very rude people they you have to talk to. like one today was ext XXXX who got very snotty. I would like account paid in full this has been going on to long with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: National Credit Adjusters, LLC
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:
This is in response to complaint XXXX. You have provided nothing validating the current balance on the account. I contacted the original credit XXXX XXXX  and that is not the balance owed. I also requested your company to pay the invoice for the many FDCPA violations in which you did not. I will be moving forward with taking legal action. You also failed to provide the letter that was sent to me informing me that the account was being sold to your company. Once again I am requesting the removal of this account and the requested information as I have this right. I assume if you do not provide ALL information requested that this account is incorrect and will be removed immediately. Please refer to the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2021-03-01
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX and experience have all dropped my score XXXX points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score XXXX points down stating that it is a new bankruptcy when it is clearly not the case

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 2023-01-03
Company: Experian Information Solutions Inc.
State: WA
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 the victim of identity theft, someone was stealing our mail from approximately XX/XX/XXXX to XX/XX/XXXX. Several inquiries and accounts were opened using my name and information. I was made aware of this because I received a call from a bank asking about a loan I had applied for, to which I replied I had never heard of the bank or ever applied for a loan, they recommended I report the fraud and check my credit report. I noticed at that time that the log in information to my XXXX XXXX account had been changed, not by me, and the thieves had changed my log in information so I was not aware of new accounts being opened in my name. 

The following accounts were not opened by me and are fraudulent, I have contacted each of them and let them know about the fraud : XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXXXXXX inquired on XX/XX/XXXX The following hard inquiries were not made by me : XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX  inquired 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 2023-03-17
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 XXXXXX/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 2023-09-08
Company: National Credit Adjusters, LLC
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:
This is additional documents for complaint XXXX. The evidence will show that NCA conducted gross misconduct, negligence, fraudulent and incorrect reporting. How are you reporting a balance with an additional XXXX dollars?? When supposedly you do not add fees. The original creditor did not acknowledge that your company was owed anything. This complaint alone is more than enough proof to sue your company. Please reference my other XXXX complaints in which I am keeping a paper trail and remove this incorrect account.

Company response to consumer: Closed with explanation