BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XXXX  XX/XX/2021 I submitted a Paycheck Protection Loan ( PPP loan ) Application $ XXXX {$25000.00} and Loan Forgiveness via Suntrust Bank Business Portal . The subject PPP loan application due date was May XX/XX/2021. Please find attached SBA XXXX PPP loan application. On XXXX  XX/XX/2021 Suntrust Bank notified me regarding PPP loan funds depletion. I have contacted Small Business Administration ( SBA ) in writing on XXXX XX/XX/2021 regarding three XXXX pandemic economic damages and losses applications : PPP loan & Forgiveness $ XXXX {$25000.00} ; XXXX XXXX XXXXXXXX {$15000.00} and XXXX regular loan {$260000.00} ( approved by SBA ) as well as 7j XXXX XXXX XXXX  Grants. Based on the programs criteria, I qualify the subject four programs. I hereby demand both Suntrust Bank and Small Business Administration to pay the above referenced amount. If you need additional supporting documents, please contact me via email.

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 2020-01-10
Company: Experian Information Solutions Inc.
State: NY
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:
today XX/XX/2020 my XXXX  score dropped from XXXX to XXXX with no explanation. MY credit is impeccable and I am not delinquent in any debts. XXXX did put an erroneous entry in collections, but that problem is being resolved by the XXXX executive office. XXXX XXXX is the contact at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was on a payment plan, paying $ XXXXmonth. During this " 3month hardship, i wasnt supposed to get late fees. '' However, they continued to charged me late fees. as I was paying what was agreed. I made several phone calls, they told me the program would take effect after 3 payments of {$90.00} was made. After the 3 payments, still the same  thing. late fees. So I stopped paying, because they couldnt give me what was initially promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello I'm asking for your help with my Lender! Mr. Cooper did a analysis on XX/XX/XXXX. My homeowner insurance increased, as well as my property taxes. Effective on XXXX, XXXX. The amount would increase my monthly payment by {$20.00} The shortage in escrow is roughly {$190.00}. Escrow increased {$140.00}. I know the lender can apply a cushion for future increases, up to 12 months! But I know they also have a percentage cap! Also the companies won't my any changes until the following year! Also Lenders would give me a opportunity to pay the actually shortage and adjust the monthly mortgage to accommodate the balance of escrow for the year. INSTEAD OF A INCREASE Of {$20.00} MONTHLY, I GOT A INCREASE OF {$110.00} MONTHLY, A SHORTAGE OF XXXX I understand the overage will be returned at the end of the year! But I'm a senior on a fixed income! This is way to much of a adjustment! 
Monthly pmt was {$1100.00} to {$1200.00} Property taxes XXXX {$3100.00} to {$3200.00} per year Homeowners insurance XXXX {$660.00} to {$840.00} per year I hope I explained it to your understanding, Please help!! I didn't know how to down load paper work. thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: NY
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:
To whom this may concern I been trying to resolve this issue with the department of educationXXXX with all 5 accounts for years and they refuse to fix and knowingly they are wrong. They been reported late payments on my account when it should have been current with no past due like the rest of my payments. 
XXXX of XXXX XXXX XXXX and XXXX has negative remarks. And I did everything I was supposed to do as far as sending in my Papers to renew my forbearance status. These accounts been open since XXXX which is too old to be on my account anyways.

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 2020-11-11
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
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 rights were violated pursuant to Federal Law.

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 2019-10-08
Company: URS Holding, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX, I email Consumer Financial 3 Months ago disputing this twice about this XXXX XXXX account that card had not been use since XX/XX/XXXX AND HAD A BALANCE OF {$4300.00} they were charging me {$380.00} monthly EXTRA beside me paying {$150.00} to {$200.00} for min. PAYMENTS. I DISPUTED AND requested to Consumer FINANCIAL PROTECTION INVESTIGATE THIS CARD AND MY ACCOUNT. THE NEXT THING I KNOW THIS CARD XXXX XXXX HAD CLOSED MY CARD ONLINE ALL STATEMENT GONE WITH OUT NOTICE. 
I WAS MAKING PAYMENTS toward account there NO STATEMENT IN XXXX I QUESTION THIS WITH XXXX. I Have ANOTHER CARD BY XXXX WHEN I CALL XXXX XXXX XXXX THEY INFORM ME THAT THIS CARD IS NOT PART OF XXXX XXXX. is when I ask Consumer Financial protection to investigate this and now they have place collection on Credit which should not be done on XX/XX/XXXX and On XX/XX/XXXX Collection letter from Alltrans Financial in XXXX tx. which I will be disputing this. 

I will contact Reporting Debt Collectors That Violate the FDCPA for unknow telephone calls using different number about 30 calls week No notice that they was collecting they post to account XX/XX/XXXX credit bur. and on XX/XX/XXXX A letter from AllTrans. 

this card by XXXX XXXX was in dispute and they know this. wrong amount, card had no charges since XX/XX/XXXX was making payments up to XX/XX/XXXX monthly. 

THIS HAPPEN TWO -THREE MONTHS WHERE THIS CARD SHUT DOWN MY CREDIT INFORMATION ONLINE AND CANCELED MY CARD. NOW LAST WEEK THERE A NEW COLLECTION WHICH I WAS NOT INFORM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: GA
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 was about to start the process of buying a home and went to meet with the lender and found several inquiries on my credit that are not mine. Ive contacted the credit bureaus regarding this but has no response. Im doing this on my own behalf. Please help me and the inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TN
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 submitting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 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 2021-09-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
EXPERIENCED ISSUES WITH THE PENNSYLVANIA UNEMPLOYMENT DEBIT CARD I HAVE WITH RELIACARD AND U.S. BANK. MOST RECENTLY, THEY HAVE NOT REFUNDED A CHARGE FOR {$1100.00} WHICH WAS MISTAKENLY MADE BY XXXX XXXX XXXX XXXXXXXX. WHILE ATTEMPTING A GOOD FAITH PAYMENT OF {$100.00}, XXXX XXXX CHARGED MY RELIACARD FOR THE AMOUNT OF {$1100.00}, THIS OCCURRED ON XX/XX/21. I IMMEDIATELY CALLED XXXX XXXX AND WHILE THEY ACKNOWLEDGED THEIR MISTAKE, THEY REFUSED TO CANCEL THE CHARGE AND I HAVE FILED A COMPLAINT WITH THE PENNSYLVANIA PUBLIC UTILITIES COMMISSION. AFTER CONTACTING XXXX XXXX, I CALLED RELIACARD CUSTOMER SERVICES. THEY KEPT SWITCHING ME TO DIFFERENT REPRESENTATIVES AND THE LAST ONE I TALKED TO SAID HE COULD NOT REFUND THE {$1100.00} EVEN THOUGH THEY DID NOT EVEN ATTEMPT TO CONTACT XXXX XXXX WHO COULD HAVE CONFIRMED THEIR BIG DOLLAR MISTAKE. THE REP SAID THE RELIACARD ESCALATION TEAM WOULD REVIEW THE SITUATION AND POSSIBLY REFUND THE $ XXXX WITHIN 5-10 BUSINESS DAYS. I FIND THIS TO BE AN OUTRAGEOUS SITUATION AND ONE THAT IS VERY LIKELY ILLEGAL AND SHOULD BE IF IT IS NOT. I AM A XXXX XXXX XXXX XXXX XXXX RECIPIENT WHO WILL PROBABLY NOT BE ABLE TO PAY MY BILLS INCLUDING RENT WHICH COULD LEAD TO POSSIBLE EVICTION AND MY UTILITY BILLS WHICH COULD LEAD TO SHUTOFF ( S ) THIS IS NOT MY FIRST PROBLEM WITH RELIACARD CUSTOMER SERVICE. ON XX/XX/21 AND XX/XX/21, I WAS UNABLE TO USE MY CARD FOR THREE DIFFERENT TRANSACTIONS EVEN THOUGH I HAD AT LEAST {$900.00} IN MY ACCOUNT. BY THE WAY, I AM CURRENTLY DOWN TO {$6.00} DUE TO THE MISSING {$1100.00}. I CALLED CUSTOMER SERVICE AND THEY SAID THE CARD WAS LOCKED DUE TO A POSSIBLE FRAUD INVESTIGATION EVEN THOUGH THERE HAD BEEN ABSOLUTELY NO SUSPICIOUS ACTIVITY ON MY CARD. THEY SAID THAT WAS NOT ENOUGH TO UNLOCK MY CARD AND TEXTED ME THAT I NEEDED TO VERIFY MY IDENTITY. I DID SO WITHIN MINUTES BY SUBMITTING A PHOTO OF MY DRIVERS LICENSE AND A REQUESTED SELFIE BUT MY CARD REMAIN LOCKED. WHEN I CALLED CUSTOMER SERVICE AGAIN, I WAS TOLD IT WOULD TAKE 48 HOURS TO UNLOCK MY CARD SO I MISSED SOME BILL PAYMENTS, RECEIVED SOME LATE FEES AND WAS UNABLE TO BUY GROCERIES ETC. WITH THE CARD. I AM NOT THAT TECH-SAVVY BUT THEIR COMPUTERS COULD HAVE VERIFIED MY IDENTITY IMMEDIATELY. I FEEL THAT RELIACARD IS DESPICABLE WITH THESE KINDS OF INCIDENTS AND WHATEVER THEIR RELATIONSHIP IS WITH U.S. BANK, THAT APPEARS TO BE A POSSIBLE CULTURE OF SCAMS LIKE THESE.

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 2023-06-13
Company: Frontline Asset Strategies, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your support in handling this matter. 

My account was started XX/XX/XXXX and according to XXXX, cancelled XX/XX/XXXX. 
This is INCORRECT as I transferred ALL of my phone lines to XXXX XXXX XXXX XX/XX/XXXX. 

I have made numerous ( over 20 at least ) attempts to gather information via phone and email from XXXX Frontline Asset Strategies, and XXXX XXXX XXXX 

XXXX has given me multiple INACCURATE reasons for the collection : XXXXThey first told me that the account wasn't in my name, and therefore could not give me any information -The collection was due to an account they kept open even AFTER I transferred my phone lines ( XXXX XX/XX/XXXX ) -The collection was due to unpaid balance on a phone device -That the last bill on file was from XX/XX/XXXX for XXXX 
-That the last bill on file was from XX/XX/XXXX for XXXX -That the last service bill was from XX/XX/XXXX, and that there was a " {$100.00} for service charge, {$11.00} for late fee, equaling {$400.00} ''. 

A XXXX representative in XXXX of XXXX had assured me that the manager had assisted her in removing the erroneous information and I no longer owed anything- THEN soon after, they sent me to collections. 
I had asked for the voice recording of that call, to which they responded they do not provide those because they are only for training purposes. 

XXXX XXXX, a manager for Frontline Asset, REFUSED to give me any information on the start/end date for the collection account, or why the collection was transferred after I had submitted proof to them that I did not owe anything ( even after I explained to him that it was my right as a consumer to have information regarding a debt that was being attempted to be collected ). 

However, I appreciate those at XXXX because they have been very responsive and have helped me get in touch with XXXXXXXX multiple times. 

I asked XXXX for a year 's worth of statements, billing information, and payment information. 
I was given a generic statement stating that I owe a little over {$400.00}. 
There was NO INFORMATION on the bill statement for what the amount was in regards to or what it included. 

I have never been late or missed a phone payment, and I was told I needed to pay off both the phone device and any due debt prior to transferring my lines to XXXX XXXX XXXX. 

This collection is impacting my credit and also just causing me overall frustration and stress because I know that I do not owe any debt. 

I am attaching the statement from Credence stating that the bill service date is from XX/XX/XXXX and later- After I had already transferred all my phone lines ( shown in XXXX XXXX XXXX XXXX statment ). I am also attaching the disputes I've placed. 

After the overall dissatisfaction with my customer experience, I also began recording a few of the phone calls that took place with XXXX I have those also if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.

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 2019-05-25
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: Public record information inaccurate

Complaint:
I am disturbed that XXXX, XXXX and EXPERIAN to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Rozlin Financial Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it may concern, XXXX sneakily entrapped me in a 12 month contract at the end of XXXX, 2022. I do not knowingly sign into long contracts and I stopped my service with the site 2 weeks to the date I signed up.. I trie dthree or four times to contact XXXX. They would not acknowledge the fact that I was wanting to end contract. They would not acknowledge that I had remove myself from their site. And, they sent my name to collections and tried to ruin my credit. This is not acceptable. What consumer does not have the right to disengage from a service. I have great credit and they are threatening to ruin it. I have already received a letter from XXXX, XXXX XXXX XXXX XXXX, IL. XXXX. XXXX. 
Please help me. 
In good health, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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