BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Following my complaint to you ( XXXX XXXX ), Truist Bank said they would deal with the issue and assigned my case to XXXX XXXX XXXX After several email chases she said she was no longer dealing with my case and it had been assigned to XXXX XXXX. Neither now answer my emails. I have tried for 12 months to close my account. I have sent a notarised letter and apostille to the address their client advocacy team provided but Truist continue to ignore all my correspondence. I note you have closed my case which I don't understand. I want to avoid appointing a lawyer to take formal action against Truist but I don't see any other option if you can't get them to act or respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft I have accounts on my credit report that I have Disputed which I spoking to the credit bureaus numerous of times, and they request a police report and a copy of my drivers license and I even sent a FTC report requested by the credit bureaus. I did comply with everything that they asked me to and Im still having problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Grant & Weber
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A recent pull of my credit report found a collection from Grant & Weber. I wrote to them in XXXX requesting they provide proof of this debt. They only provided an itemized statement. They are refusing to remove the debt or provide any verification that this debt is in fact mine.

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 2023-10-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually, I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. JPMCB - CARD SERVICE XXXX. I have never been late on these accounts so please remove the late dates on these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has failed to make appropriate payments to my insurance company even though payments are made on time and homeowners insurance information has been provided. I provided payment information as requested. The homeowners insurance company resubmitted a bill. I called and uploaded a bill telling them the homeowners insurance company would cancel if they didnt receive payment by XX/XX/XXXX. They told me to expedite upload documents to their website and it would be handled right away. Payment was never sent and now my insurance is cancelled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: ID Analytics, Inc.
State: MD
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 recently applied for an auto loan and was turned down because a company I never heard of reported my score at XXXX. I use XXXX XXXX and check my score several times a week and they all report my score to be over 600. I have NEVER heard of this company before. 

SageStream should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with Sage Stream and other agencies.

This information may indeed allow mischief on their part, in order to gain new customers for their  XXXX services. In addition all of this information and data can then be and is most likely given to " ID Analytics '', which ultimately provides this data to a credit reporting agency called Sage Stream,  all of the above in which is owned by " XXXX XXXX ''. 
A major Bank issuing around 163 store branded ( closed loop ) credit cards, XXXX XXXX  uses Sage Stream, and as it appears they depend on the Sage Stream report 100 %, when deciding to issue credit or not. 

SageStream says their reporting ranges from 1 to  999 ... WHAT? Ive never heard of this in my entire life either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
I am seeking a Release of Mortgage. 

I have a XXXX old second mortgage made through XXXX XXXX XXXX XXXX It was my understanding through numerous discussions with XXXX  XXXX XXXX that this loan was bailed-out during the mortgage crisis beginning in 2008. Subsequent phone calls to XXXX legal dept, I was told it was " written off. '' I made a previous complaint through this application to XXXX  XXXX XXXX to provide information about this second mortgage. Through this CFPB process, XXXX  XXXX XXXX provided that they had service-released this mortgage to Carrington Mortgage . 

Carrington Mortgage stated on the phone during conference calls on XXXX different occasions- with XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, that the did NOT have this second mortgage, never had this loan, have no information on this loan.. 

I can not find a way to solve this XXXX problem. This old second mortgage is still on my official records of XXXX XXXX, Florida. It has not been assigned, it has not been transferred through MERS, it does not show up on my credit report ( never has ). 

I want to get this mortgage released off my record. I need to see if XXXX can help me. They provided a Satisfaction of Mortgage a couple of years ago when I paid off my first mortgage. 

I am a XXXX yr old woman who has serious health problems. I want to get this resolved so this mortgage disaster caused by XXXX et al, does not pass through to my kids. They don't have the legal, real estate and mortgage education and background that I have. I want to solve this problem before I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-11-20
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I have the following rights as a consumer : 15 U.S.C. 1681 Section 602A. I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : A consumer agency can not furnish my account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate. 
I have reviewed the information across all three credit bureaus and found numerous inaccuracies in my accounts across all three credit bureaus.

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 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, XXXX, And Transunion are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.Transunion last reported a balance of XXXX on XXXX XXXX opened XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? XXXX is reporting a balance of XXXX on XXXX XXXX opened XXXX XXXX. Account status closed. XXXX last reported a balance of XXXX on XXXX XXXX opened XX/XX/2012. Payment status seriously past due date/ account closed.

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 2022-09-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
All three credit agencies are listing Erroneous names/Addresses on my consumer credit report. XX/XX/2023, I disputed those inaccuracies but nothing has been changed. They are still listed.

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 2022-09-07
Company: Experian Information Solutions 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:
Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX  XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2021-08-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX and XXXX, these charges were made to my Wells Fargo checking account : XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX NO NAME {$810.00} XX/XX/21 XXXX XXXX XXXX TRANSFER XXXX XXXX {$25.00} XX/XX/21 XXXX XXXX PHONE PYMT XXXX XXXX XXXX XXXX XXXX {$220.00} I did not authorized any of these charges. 
I could not find a number for XXXX XXXX XXXX  to initiate a complain. 
I called XXXX and they are investigating this with my bank. 
I wasn't able to reach XXXX XXXX. 

The XXXX transaction shows up under the category 'phone/internet ' in my wells fargo account. 
The XXXX XXXX shows up as under 'XXXX/XXXX XXXX ' and the XXXX  XXXX shows up under as 'Other Debt Payments ' I called Wells Fargo and they have closed the checking account and are investigating these transactions.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have inquiries on my credit file that are not mine. I have not applied for anything. I have contacted TransUnion to advise that these are not my inquiries they have ignored what I have requested I would like for these increase to be removed permanently and immediately.

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 2020-09-23
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our previous VA mortgage lender was XXXX XXXX XXXX. Our loan was placed into forbearance due to the pandemic. During this time our loan was sold to Freedom Mortgage. Almost immediately we begin to have problems with freedom mortgage. Several different departments begin to contact us and tell us that our loan was in forbearance And that our loan payments were late. We disputed this. Out of fear of misunderstanding and confusion we brought our loan to balance despite having 30 days by law due diligence not yo make any payments and asked that we remove the loan from forbearance immediately. They failed to do do so after three separate requests on recorded communication. They continued to contact us by email and phone calls for several weeks telling us that the loan was still in forbearance and that we owe them money with late payments. We then received a letter from Veterans Affairs stating that if we were having trouble making our mortgage payments that we should work with freedom mortgage indicating that freedom mortgage notified them of late payments when this was never the case. 

Meanwhile a Freedom Mortgage loan agent XXXX XXXX contacted us and told us that we were eligible to reduce our interest rate by law with our VA mortgage. We initiated the process for refinance. After several miscommunications XXXX XXXX stopped responding to our emails and failed to return phone calls with questions. We requested supervisor assistance. 
Then we were informed by an agent with freedom mortgage by telephone that our VA refinance was denied due to notice of late payments in last 30 days which was incorrect. 

We initiated over a dozen calls to freedom mortgage and emails requesting to speak with the escalation department and senior manager to resolve our problems. They failed to return our calls and no manager contacted us and they continued to provide us completely misleading information from multiple departments unable to answer any of our questions. 

As of XX/XX/2020, we have received no return calls nor any updated information regarding the refinance or status of our loan. Our agent XXXX XXXX will no longer return our calls or emails. We are unable to obtain any information from freedom mortgage at this time. 

We have initiated refinance and acquisition of our loan through another mortgage lender at this time.

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