BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-09-29
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2023-05-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I gave my personal details to someone posing as a lotto prize agent the scammer ask me for my bank details and my debit card photograph front and back. When I realized that I was scammed I took the debit card to the local branch Also the mobile number that Was enter in my application was incorrect. 
And I have since relocated. I was not able to update my information because of the instability of the account. 
I have forgotten my pasword and all my effort to get the account unlocked has proved futile. It seem further and further away for this reason. 
I determined that I don't need this account Because of the mental and emotional and anxiety over the process to get access to my login details I decided to close the account 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 2021-10-26
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In mid XXXX I had requested that the PMI on my mortgage with Specialized Loan Servicing be removed. My home was completely renovated and have approx 60 % equity. My 1st request was in mid XXXX via a phone call. SLS then sent me a letter dated XX/XX/2021 stating that according to their research, I only have 16 % equity. The letter also stated that if I wanted to have a BPO or appraisal completed, I needed to fill out and sign the authorization included w/ the letter and fax or mail it back to them. I filled it in, completed the question about any major renovations/updates, signed it and faxed it back on XX/XX/2021. On XX/XX/2021 I called and spoke to XXXX at SLS. He confirmed that the authorization that I faxed was received on XX/XX/2021 and told me that it could take up to 30 days to review and if needed, a broker or appraiser would be in contact to schedule a time to look at the house. As of XX/XX/2021 I sent SLS a message through the message center explaining that I had not heard from anyone ( I thought I would have had a message or a call from an appraiser by this time ), and could they provide me an update. On XX/XX/2021 I received a message that they had received the authorization ( but no other update ). I sent a message back on XX/XX/2021 and asked for specifics on what was going on and when I should hear from someone. On XX/XX/2021 I received another message from SLS stating that a signed authorization was required before they could review the file and schedule a BPO/appraisal. Once again, I sent a message ( on XX/XX/2021 ) that the authorization was already sent and 2x SLS confirmed that it had been received. On XX/XX/2021 I received a message from SLS that a decision letter was sent to me on XX/XX/2021 and I should refer to the loan and document section to see a copy of it. There was no such document sent on XX/XX/2021 ( the letter was sent to me on XX/XX/2021, not XX/XX/2021 ). Based on the last 2 messages from SLS, I have to assume they aren't even reading my messages or looking into the request. It's been over 2 months since my request and I continue to get the run around from SLS and continue to have to pay the PMI on my mortgage. Even if I hadn't renovated the house, AZ property values have increased 25 % in the last 12 months in my area. I have sent them all docs required. My experience with SLS in the past has been similar. They do not address questions or issues in a timely manner.

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: 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 my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2019-01-24
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX denied me a credit card on Tuesday, XX/XX/XXXX ( which in itself is not a problem ). While they were able to inform me I had been denied both in branch and then over the phone, they refused to provide me with any proof of denial via email or through their system, informing me that they were unable to confirm that with another underwriting institution. Because they pulled a hard check on my credit, I am currently unable to receive that approved loan without the denial from XXXX XXXX. It is ridiculous that they were able to deny me within five minutes of applying and then supposedly unable to do so for at least 7 days. Additionally, during repeated phone calls to their customer service phone number, they repeatedly lengthened the amount of time it would take to receive my denial from 7 days to 11 business days.

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 2023-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried multiple times to set up payment, set up monthly payments multiple times, over the phone and online payments were not going through and after multiple attempts to pay monthly they said I missed to many payments and put a hit on my credit score that lowered it by over XXXX points. I then was forced to pay off the balance in full or risk a harder hit on my credit score. I then disputed with XXXX which boosted my score back up by XXXX points but I believe this should be removed from my record completely and that my score should go back to what it was before the hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GENESIS CREDIT MANAGEMENT ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-11-11
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in Covid forbearance for about 18 months. During this time, I was taking care of my elderly mother. She died in XXXX and I just had the funeral in XXXX. Due to all of this, I have not been working and unable to resume monthly mortgage payments. I asked Shellpoint Mortage for a modifcation ; specifically, for the lowest amount possible. Shellpoint said that I qualify for a Covid modifcation. They give me payments of about {$700.00} per month. I tell them that this is unaffordable at this point in time. I am in the process of getting re-stabilized financially and only bring in about {$800.00} per month. They said there is nothing more they can do. 

I only owe about {$37000.00} on the mortgage. The regular payments are about {$1000.00} per month. Surely they can lower the monthly payment amounts to less than {$700.00} ... at least temporarily. I have been in my home since 1998 and will be homeless if I can not work out an agreement with Shellpoint Mortgage. 

Any assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
According to the code 15 USC Code 1681, unfair credit reporting ACT CBA Collection, obtain a debt from XXXX XXXX  the debt was paid, they took my clothes and Art work, they have the debt and the amount is paid, Remove debt or give my belongings back. Are you familiar with with something called 15 U.S.C S.E.C 1681i ( a ) .They debt was recently put on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: MO
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 written XXXX several letters disputing information reporting inaccurately in my credit file and they have NOT done an investigation. If they had, they would see the errors and they should not have sent me a verified as accurate letter. I informed XXXX XXXX XXXX and Experian as well as XXXX that there are XXXX different dates for last payment. IT HAS NOT BEEN CHANGED OR UPDATED. I informed them of no account number on my XXXX report. IT HAS NOT BEEN CHANGED OR UPDATED. This was not an accurate investigation at all!!!!! XXXX and all the credit bureaus continue to report in accurately damaging my credit. All information must be correct on all of my credit reports according to the FCRA.

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 2023-12-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX  I purchased a watch online from XXXX XXXX in the amount of {$5400.00}. When the watch hadn't arrived in six weeks and the company couldn't tell me when it would, I filed billing dispute XXXX XXXX  with Citi Cards on XXXXXXXX After providing a conditional credit for the full amount, Citi clawed it back stating I had not provided sufficient information even though they had the original receipt for the purchase along with an email from XXXX XXXX stating they agreed to cancel the order and refund my credit card. No refund has been received as of XXXX 

Subsequent multiple contacts with Citi Card 's dispute dept. usually results in sympathetic expressions, contradictory requests for either more documentation which I have submitted or an indication that I have submitted too much documentation, and a promise they would communicate their support to the " investigator. '' Ten weeks have passed since the original dispute with no resolution nor a timeline for when one would be forthcoming. 

As a consequence, I can't help but feel victimized twice, first by XXXX XXXX which has agreed to issue a refund but failed to do so, and now by Citi Cards which has failed to clearly lay out an adjudication process and has provided no protection for this purchase despite the fraudulent behavior of the merchant.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXX XXXX, hereby assert my rights as a private individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent.

As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, TransUnion, and XXXX, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report has led me to file an identity theft report.

I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit 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 explanation
Consumer complaint received 2023-12-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Was always charged overdraft fees even if I had money in my savings account to cover and even with overdraft protection still got hit with same over draft

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted TransUnion on multiple occasions since 2018, they have infringed on my consumer rights. Their harmful knowing negligence and knowing noncompliance of FCRA and FDCPA regulations have severely damaged my credit, defamed my character and violated my consumer rights. This has stressed me out and has caused me serious monetary damages. They willingly reported false and harmful information on my credit report. I have kept all records and correspondence between me and them. They inserted multiple false reporting without doing an investigation into these accounts. By federal law they can not report any such activities on my consumer report without first 100 % verification of accuracy of said accounts. Once I contacted them they came back and said these accounts were verified on several occasions. I asked how they were verified and whom verified them. I never received any return information. They then came back after proving through federal law that they had no right to make such inaccurate reports and removed these accounts. They were knowingly breaking federal consumer laws with govern them for financial gain from these false reports. I will also have a complaint filed with my State Attorney General.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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