BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I opened a checking account with Truist who currently holds my mortgage and now I have no online access to my mortgage account. I can only see my checking account information. 

On XX/XX/2022 I went to the Truist branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX I spoke with XXXX XXXX and we discuss products and applying for them. Later that day I went into the branch and told him I dont have access to my mortgage account online and he gave me his business card and told me he would follow up with me later that day. I did not hear from him so I emailed him at XXXX on XX/XX/2022 I called the branch several times and at the end of the business day I received a very vague email telling me he would monitor and keep me posted. 

He asked me to email my social security card because the social security number in the system was not the same and I explained to him that I had no issues accessing the app or the website prior to coming into the branch. He gave another vague excuse about the merger and integrated the systems. He said he would get it corrected with in two business days. 

I called the customer service number and was bounced around from department to department and the mortgage department said everything is showing up correct and they need to get me over to the online support team and the online support team told me the same thing that branch said about my social security number being incorrected. Wait times when calling the customer service number were over 4 hours at times and getting nowhere. 

On XX/XX/2022 I spoke with a man named XXXX XXXX from the online team and he would not honor any of my request to contact the mortgage department or transfer me to a manager after going back and forth with him for over an hour he disconnected the call he cut me off many times and repeated himself. I never felt like he listened to me I felt rushed and almost like I did not matter, he might have just wanted to get to his next call. When I asked for his employee ID he told me he could not provide that information but offer to give me his last name. 

From XX/XX/2022 to XX/XX/2022 and counting I still do not have online access to my mortgage account and no one from Truist has taking ownership of my issue to help me correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to file a dispute against XXXX, TransUnion XXXX XXXX consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, TransUnion & XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, TransUnion XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore XXXX, TransUnion XXXX XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, TransUnion XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, TransUnion XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, TransUnion XXXX XXXX for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease/delete all unlawful furnishing of data onto my credit report of which I mentioned above without my written consent Thank you for your attention to this matter.

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 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Company,  XXXX   XXXX   XXXX , has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  XXXX   XXXX  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  XXXX , the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?

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: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I live in XXXX on XXXX XXXX XXXX XXXX Mi. My condo is XXXX ' from maintanace garage specifically my office window. A XXXX women honked for XXXX min needing help. Her question about a hospice delivery and didn't want violation. She HONKED XXXX min outside my window & maintenance not coming out. I went she had a walker, i said i would help her and get maintanace. I in went XXXX garage to get maintenance man I have on video all nice I am fined {$1000.00} for interfering and recording maintanace complained?? because lawyer wont tell me UNFAIR H O A COLLECTION PRACTICES ON FINES AND VIOLATIONS I HAVE XXXX UNFAIR VIOLATIONS THIS MONTH TOTALING {$2000.00} ALL WRONG AND I HAVE WITNESS AND VIDEO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told XXXX on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with XXXX as XXXX XXXX XXXX XXXX XXXX ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both XXXX and the XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed Equifax in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: SC
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 XXXX, d

eposited 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The lending company on my mortgage was assumed by a new company and name. My mortgage payment was on automatic bill payment and went to what apparently was an old account number from before the lender changed. I spent months with the company trying to track down multiple payments. Once we finally found the payments and they applied them to my account, they still reported a late payment. The company mailed me a physical letter stating it was their mistake. I submitted this to the credit bureau, they investigated it, and it still show a late payment even though they have documentation from the lender.

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 2022-03-04
Company: Experian Information Solutions 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:
Experian has blatantly disregarded my dispute letter in regards to this alleged debt. I have sent multiple method of validation letters requesting how they verified this debt and irrefutable inaccuracies letters and to no avail the dispute was closed multiple time with no method of validation toward the validity of the debt. 

The original balance being reported for XXXX XXXX is {$1500.00}, yet it's currently being reported as balance owed as {$1500.00}. Also, a collection account can't have a past due amount due. 

I've sent numerous letter to Experian advising of said information and to no avail have they haven't acknowledged said inaccuracies or deleted said accounts to abide by the FCRA compliance. They just cant verify the accounts by telling me that it has been verified per FCRA 15 U.S.C 1681 ( a ) ( 4 ) when there are clear inaccuracies with supporting document providing such proof. 

Also, how can two debt collection companies XXXX XXXX XXXX and XXXX XXXX attempting to collect on the same alleged debt of {$3700.00}. 

Please see the attached recent method of validation letter sent, certified receipt 's of letter sent to Experian. More so, a screenshot from Experian.com of this account showing the inaccuracies. Also, the mail sent by XXXX and XXXX XXXX XXXX 

This is clear violation of my civil rights and FCRA. Permanently delete said accounts asap for inaccurate furnished data to comply with FCRA guidelines

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 2023-01-09
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX I noticed a hard inquiry from credco ( finance ) on my credit reports. I contacted them and they said they will look into it. few months passed by and i didnt hear anything from this company. after doing a research on this company i found out ( on XXXX XXXX ) that this company have been running people credit without their consent. I contacted them again on XX/XX/XXXX. and they are still not willing to fix it. i see a hard inquiry on my credit report. I am a victim on identity theft.

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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A fake email from XXXX was sent to me saying I need to authorize in order to receive the money. Instead of receiving the money and selling the tickets I was scammed and taken {$300.00} from me. Chase bank did say it was a scam but they were not able to give me my money back. That person is out there scamming people and taking so much money. He cant get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: RI
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:
My personal information was compromised in  XXXX   2016 . As a result, several credit inquiries were made that were not authorized.  XXXX  of those unauthorized credit inquiries appear on my Experian credit report. I have notified Experian and asked to have them investigated and removed, but they have not responded or removed the hard inquiries. It has been over 30 days since my third and most recent request to Experian.     I am attaching all three communications that I faxed to Experian. I can provide fax confirmations if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX ) Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2021-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to request correction of the error described below in regard to the mortgage on my property. My mortgage company failed to credit the payment I made on XX/XX/2020 debited from my Financial Institution ( XXXX XXXX XXXX XXXX XXXX ) via XXXX XXXX on XX/XX/2020 in the amount of {$4700.00} as of the date of receipt. This was to cover the following said period mortgage payments : XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} I have enclosed a verification letter from my Financial Institution as to said funds have not been returned along with a copy showing where the funds have been debited from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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 have contacted this company multiple times. As shown in my history with cfpb. The debt with this company was included in XXXX XXXX by XXXX and I was advised I was not responsible for the debt. Was discharged from XXXX XXXX XX/XX/XXXX and received discharge notice as well as letter from XXXX showing debt discharged and I'm not responsible. XXXX as of XX/XX/XXXX has went in and updated my report to show 5 months late XXXX XXXX XXXX XXXX XXXX all dates after my discharge date of XX/XX/XXXX. They have since updated my account credit report which once indicated discharged in bankruptcy to a charge off and dropped my score XXXX points. No reaffirmation agreement was signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: PA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX  XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX, XXXX Account # : XXXX, Account name : XXXX  XXXX  XXXX Account # : XXXX, Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 seven years.

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 to believe that the information is inaccurate.

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 2023-04-03
Company: Bread Financial 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:
I am XXXX XXXX XXXX XXXX XXXX I have received three credit card statements from a company I do not belong to. The company name is XXXX credit. First one received XXXX XXXX. Next one was XXXX XXXX. Lastly, today 's date in the mail for XXXX XXXX. I feel my voice not being heard and nothing is being done. I called the company, XXXX but they had no passion or concern to help even with proof that it is not me. I need this of my credit report because it is unfair and unjust. The statements I see belong to an account ending with XXXX. I own nothing under this account ending. I complain but still get statements in the mail to this date.

Company response to consumer: Closed with monetary relief