BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the FCRA, XXXX XXXX XXXX XXXX, Account number : XXXX has violated my rights. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account high balance nor do I recognize the late payments associated with it. Everything reported here does not meet the FCRA. 

15 USC 1681 Section 602 A : States that I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written permission. 
15 USC 1681S-2 ( A ) ( 1 ) : States 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. 
15 USC 1681C ( A ) ( 4 ) : States that no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

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 2022-12-03
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} 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 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 explanation
Consumer complaint received 2023-07-26
Company: Specialized Loan Servicing Holdings LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX we submitted an application for the HAF. On XX/XX/XXXX HAF reached out to our mortgage servicer requesting the balance needed for HAF to submit a payment for us. SLS has confirmed receipt of that request. On XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX we have reached out to SLS asking for the information to be sent. SLS claims they have 1 person in that department and " it takes time ''. As of today, the request for proof of the payments owed has been waiting for over 90 days. On XX/XX/XXXX a supervisor said it would be sent in 2 days. As of today there is no update from SLS.

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 2023-10-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
In an email I formally requested that PMI be removed and partially paid back as it should have been romoved quite some time ago. The mortgage is less than half the original home value and I've never refinanced. Suntrust became Truist and I've had many issues as they keep recalculating my payment and re-evaluating the escrow every few months. Not only have they denied my PMI removal request once again I am told that the newest escrow calculation show a XXXX $ shortage for the year and somehow that calculates to over XXXX $ increase in the monthly payment. The math isn't mathing.

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 2022-07-13
Company: CIG FINANCIAL LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have recently fell on hard time as most Americans have. I am ( 1 ) payment behind. I discussed with them the option of making a double payment 1 week after being 30 days late ( payment due XX/XX/XXXX and willing to make a double payment for XXXX and XXXX on the XXXX of XXXX ). They advised me that on Saturday the XXXX it will be more than 30 days and unless I come up with the payment my account would be turned over to the recovery department. I understand that it is my responsibility to be on time with my payments. But it would be really appreciated if they were willing to be accommodating in times of financial hardship. I am willing to schedule a payment directly from my account and yet I can't. If I could go back and not take out this loan for my car, I would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Was offered a {$300.00} checking offer by Bank Of America. 
Fulfilled all the requirements. 
Have not received the bonus as advertised by Bank Of America. 
Received confirmation of Direct Deposits Received by email each time. 

Attaching Email with Offer from Bofa. 
Attaching Email with Account Opening proof and date. 
Attaching Emails with Direct Deposit Received from Bofa proof. 
Attaching Direct Deposit Form Submitted to Employer.

Attaching Direct Deposit Instructions through Employer which state XXXX is used. 


" Heres how to qualify for your {$300.00} bonus : 1 Click to enroll now or request enrollment with a Bank of America associate. 
2 Open a new personal checking account by XX/XX/XXXX. 
3 Make Qualifying Direct Deposits* totaling {$4000.00} or more within 90 days of account opening. 

" A Qualifying Direct Deposit is a direct deposit of regular monthly income '' " After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new Bank of America XXXX XXXX  account within sixty ( 60 ) days. The Bank of America XXXX XXXX account must be open and in good standing up to and including the date any earned bonus is paid. '' Account opened XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$290.00} XX/XX/XXXX XXXX XXXX {$850.00}

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 monetary relief
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: FL
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 have been reporting these fraudulent inquires to Equifax for months now. I sent certified letters with documentation and FTC reports, Police reports and other evidence and Equifax has refused to remove these fraudulent inquires from my credit. They are costing me time, most for certified mail, and XXXX  XXXX as these fraudulent inquires are interfering with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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: Account information incorrect

Complaint:
Applied for forbearance with ally bank in XXXX of 2020. After they admit they coded account incorrectly and XXXX of letters, emails and calls o am no closer to being able to make payment or fix my credit We even have payments we made with banking numbers given to us by ally never go through. 

We want our second mortgage to resume payments and have our credit fixed We send the documents they want many times and each time told thats all they need and then get another letter asking for exact same info Latest letter asks for my tax return while saying they have my tax return

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} 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 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2023-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has committed fraud by reporting inaccurate information on my report since XXXX. I have repeatedly reported them. I do not owe {$140.00}. I am supposed to receive a refund of {$1500.00} once the amount was paid. 
On XX/XX/XXXX - A check was issued by XXXX for {$120.00}. Yet they continue reporting to the credit bureaus!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 listed below 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 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 2022-11-02
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have attempted multiple times through the month of XX/XX/2022 to pay a debt owed by contacting both the creditor and their 3rd party collector, XXXXXXXX XXXX to arrange payment. I had set up an agreement with XXXXXXXX XXXX XXXX  a year ago to consolidate debt, and after consulting an attorney I dissolved that agreement and cancelled any and all power of attorney on my behalf. I have alerted XXXX of this on multiple occasions and attempted to pay the debt. XXXX refuses to speak to me. I have audio recordings of these conversations verifying I am no longer represented by an attorney, and that I am calling to pay a debt. They consistently insist they have to receive verification directly from XXXX XXXX XXXX that they no longer represent me. I have told them they can not legally speak on my behalf, and this is my account. They still refuse to speak to me. I can not discharge the debt, and its still reported to my credit by both XXXX XXXX XXXX and the creditor, with literally no recourse to pay or have it removed. This is an unfair reporting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .... Balance {$1000.00} ; Collection Associates Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80000.00} ; XXXX XXXX XXXX .... Balance : {$200.00} ; XXXX XXXX XXXX .... Balance : {$63.00} ; XXXX XX/XX/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 2023-01-20
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: Account information incorrect

Complaint:
The account balance is wrong across all three reports. Please remove inaccurate information from my 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 non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX. Violated my rights 15 USC 1681 section 602A.states I have a right to privacy. 15 USC 1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: MI
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 sent 4 registered letters to Equifax, XXXX and XXXX XXXX regarding inquires that I believe to be questionable on my credit report. And on every single occasion Equifax opened and closed the investigation on the same date without any investigation at all. How do I know that because, I sent letters to the creditors and they wrote back saying that they would indeed remove the inquiry. So, if Equifax contacted, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX why do I have letters from these people? They are violating my rights under 15 U.S.C 1681 section 604 section 2 U.S.C 1681 section 611 ( 2 ) a if after any re-investigation you are unable to produce evidence : meaning that I was the person that applied for credit at these places with my signature and ALL my pertinent information SS # date of birth address everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, AND XXXX XXXX AND ALL COLLECTORS FAILED TO DELETE ALL THEIR ACCOUNTS FROM XXXX! BK NO.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 2023-07-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I'm also a Citibank account holder of XXXX years standing. I have a current and savings account with the bank. Both accounts have been frozen for XXXX weeks and counting, and I'm unable to access any of them because a check I cashed for a returned security deposit was wrongly deemed fraudulent. 

I'm currently traveling overseas, and I will save you the trouble of spelling out how not having access to my bank accounts for over a week has caused tremendous difficulties, the fees I will be charged as a result, and the distress from receiving an email saying that my accounts are closing. 

I've been unable to speak to anyone in Citibank customer service who has agreed to put me through to a manager, and I've spent countless hours on the phone, unable to ascertain what happened and how I can resolve the issue. I still do not know what happened or why I can not access my accounts. 

Last week, I asked a friend in New York to walk into XXXX of the Citibank XXXX branches and ask for a manager so I could speak to someone on the phone who could help me. The branch manager was able to verify the check and has now put in the request to overturn the block and close my accounts. He told me I must wait two days to see if it works. 

In the meantime, I wrote to the XXXX of XXXX. XXXX Banking. The exec response team called me and explained that my account had been unfrozen but that I wouldn't be able to access them until I received a physical replacement debit card, which after hours of phone calls, was mailed to me. Today, I tried four times to activate the card online, and it didn't work. I have tried to call back the exec responsive team and am now awaiting a callback.

Please help me resolve this. I haven't been able to access my bank accounts for two weeks now, and I'm now facing major financial hardship as a result.

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 2023-01-20
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXX 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