BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Worked for XXXX in approximately XXXX. Was under 10 month contract. Completed contract. Three years into working for another company I got bill in the mail from XXXX. 

So, I Called for an explination. Was told it was taxes on schooling. Was told not to worry about it, and never received a bill again. Now XXXX, I am working my credit to purchase home and noticed this is negatively affecting my credit report. I do not owe XXXX anything, I finished my contract, had them deduct the housing cost from my pay each week as in the contract, and drove for them for 10 months as in the contract. 

The collection agency is Lockhart, Morris & Montgo, opened on XX/XX/XXXX. according to credit report from XX/XX/XXXX until XX/XX/XXXX {$72.00} was owed, then in XX/XX/XXXX until present {$52.00} was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXXXXXX XXXX : Credit Card Dispute {$500.00} limit card XXXX Ref XXXX # XXXX Take it off my all 3 credit reports now.

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 2022-04-06
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:
On XX/XX/22 I sent a letter regarding inaccuracies on my credit report and to this day I have not received a response. Section 611 states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand these items are deleted immediately or I will file for litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'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 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 2019-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX credit card is being reported negatively on my credit files and has been removed and then appears again.this is a fraudulent account that doesn't belong to me. This has been disputed and was resolved and removed and thought to have been handled and then the account reappeared. I have sent the credit bureau the police report and dispute as well as XXXX XXXX XXXX and was advised this would be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
XXXX XXXX Loan Agent | Fax : XXXX Office : XXXX Fax : XXXX Hi XXXX - Due to the credit score being below 600 - we're not able to get you approved. 

The message above is what I received from a lender after seeking to refinance my home. 

I am the mother of a daughter who has a Student Loan with Navient. I co-signed the original loan over 20 yrs ago. The original loan was not with them, they apparently purchased it. 

She is and has been in school full time since last XXXX ( XXXX ), they were suppose to have given her a deferment, but has not, yet instead, kept the loan payments going and due. And that reflects on me. We found out recently and inquired, with no response so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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: Information belongs to someone else

Complaint:
the accounts listed ( XXXX  XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & XXXX  XXXX ; XXXX On XX/XX/20, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2018-10-12
Company: PROSPERITY BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
" Hello XXXX This letter is concerning Prosperity Bank customer REDACTED ( cc'ed ) and a recent check ( Check # 22, {$160.00}, REDACTED, XXXX  REDACTED -ATTACHED ) that he deposited via mobile app at around Tuesday, XX/XX/2018 that was erroneously returned as a " fictitious item/altered tender. '' Full disclosure, I am also copying REDACTED, Chief Risk Officer for Prosperity Bank, and the three Area Chairpersons for the XXXX/XXXX XXXX area where REDACTED banks, as well as REDACTED, the issuer of the check. 

For background, REDACTED is a XXXX XXXX based " XXXX '' company that processes payments on behalf of business partners that include XXXX/XXXX transactions, as well as -and in this case- UCC and XXXX image compliant digital check images optimized for mobile deposit, and that meet the XXXX definition of a valid check. 

We understand from your customer, REDACTED, that his mobile deposit of the check was rejected as " fictitious item/altered tender. '' While I am not in a position to second guess your algorithms and policies that arrived at this conclusion without communication with the XXXX, I will say that it was 100 percent incorrect in this situation, denying your customer pay to which he is entitled. 
If it pleases your Chief Risk Officer, I am also happy to refer you REDACTED Cybersecurity and Fraud Intelligence officer REDACTED, with whom I work with on a daily basis in my capacity as Head of Fraud Detection at REDACTED. He would be able to validate the check as authorized by checking in with the account holder.

Also, you may simply check with the actual originator of the check, REDACTED, who is included here.

The resolution of Prosperity Bank 's error is between Prosperity and REDACTED ; I hope that the information and resources offered may only assist in that resolution promptly.

Best, '' Despite this, Prosperity Bank disregarded protocol and did not accept the check for processing, nor check in with the XXXX  account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with transunion. looking over my credit file ive noticed alot of errors that Neds to be deleted asap. this is my 2nd attempt to process disputes that can help improve my credit. please review the following data that is listed to help clear my file asap.

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 2023-04-11
Company: TH Professional & Medical Collections LTD
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
There are 2 medical bills that an out of net work provider is charging me without my authorization. They are violating my right under surprise act of 2022. They are The Prof Medical Collection and XXXXXXXX XXXX XXXX they are also charging me interest ; every month the bills gets higher. This is improper use report. 


Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid 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:
Opened a fraudulent case with bank of America and after sitting on it for 3 months decided they were our charges and I submitted paperwork from XXXX stating these order don't exist or anything shipped to my house with the order numbers provided they said the verified with XXXX which was a lie as XXXX won't give any info to them without my knowledge and they tried to say they traced it to my ip address and I run a ip vanish program

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 2023-04-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've notified Citizens multiple times that even though I update the address online, my apartment number is not showing up on the correspondence from Citizens. Because of the incomplete address, I'm not receiving all correspondence from Citizens. For example, I did not receive a check from my escrow last year. I have only received it after Citizens sent me the check via XXXX and then even though it was Citizens fault, they've posted {$20.00} return fee to my account that I would like to get refunded. 

I've decided to pay {$20.00} via check, because this was the only option. You actually can't pay just the {$20.00} fee on Citizens website. The {$20.00} was processed on XX/XX/XXXX, XXXX  and {$20.00} withdrawn from my account. However, Citizens has just sent me a mail ( see attached ) that now I owe {$40.00} because they were not able to process {$20.00} that they have actually processed. Can you please help me fix? It's really frustrating that I have to continuously submit these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: TN
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 following credit reporting agencies, 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 They are reporting late payments on the following accounts : 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 explanation
Consumer complaint received 2022-04-06
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist bank withdrew double my mortgage amount from my account. They refused to return the funds to my account unless I could prove that they took it from me - even though it clearly shows on my account that they took a double charge ( as in can see in their truist account and visible and acknowledged. They then refunded but would only mail the check to me, which will not help me to pay my bills and further delay return of my funds. The reason they said was because they refuse to cover the wire fee associated with returning the money which they had stolen. They literally stole my money, held it and then delayed its return because they were too cheap to cover the fee associated with their error. The customer service was horrific and while I expressed with the customer service reps the horrible financial position they had put me in, they literally laughed at me. I really hope at some point the government identifies this scumbag bank for what they are and does something about 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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXXXXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXXXXXX XXXX XXXXXXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXXXXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX Tennessee XXXX Sincerely, XXXXXXXX XXXX XXXXXXXX Enclosed XXXX copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

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 2021-06-11
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a call from XXXX XXXX XXXX and the phone number was XXXX XXXX XXXX XXXX. A female individual stated I have a debt of roughly {$600.00} to pay for a creditor called Check N Go and to prevent potential legal action she asked if I wanted to take care of this. I told them I do not recognize this debt, asked for validation of debt and that an individual from XXXX, XXXX XXXX XXXX tried to collect on this debt back in XX/XX/2021 and was threatening to sue me. The lady from XXXX told me that that was a different firm and they probably passed my debt onto their company because my debt was deemed " uncollectable ''. So I proceeded to ask this lady for proof and validation of this debt. I also asked for a letter from them because I have no idea who they are and what this debt is for. The individual took my email down and stated she would be sending me documentation through email. 

The only documentation this company has sent me is what appears to be a demand letter with reference number XXXX. I have not been provided any validation of debt. There is no proof this debt even exists and they have told me that potential legal action could take place. 

This debt has gone from XXXX, XXXX XXXX XXXX XXXX https : //jacobrossassociates.com/ XXXX ) to where I was potentially being served an MSJ for roughly {$2000.00} to now being told there's potential legal action from XXXX XXXX XXXX for roughly {$600.00} on a debt I don't even recognize. These are potential violations of the FDCPA and the fact none of them can provide me validation of debt is beyond concerning. 

I will potentially be speaking to attorneys in regards to this matter because this appears to be unfair and deceptive abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was victim of a scam. I received an email ( it seemed from someone I know and trust ) asking to buy gift card and send back by email. I did that since I was told was a birthday gift. However I then realized it was a scam since they kept asking me to buy more and more gift cards and when I asked more details, that failed to provide. I alerted the fraud department and all my credit cards company. However I was told by credit card company that I wont get my money back since this was a scam and not a fraud.

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 2023-04-12
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX has been calling me for over 5 years regarding a debt that was offered back then to be resolved with debt consolidation. I complained about them last year and now they are calling my ex-husband to leave messages for me. My EX husband!!!!!!! 

I am beyond furious and they need to stop contacting him or anyone else in my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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:
the accounts listed ( XXXX  XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & XXXX  XXXX ; XXXX On XX/XX/20, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Santander Consumer USA 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 status incorrect

Complaint:
My car was declared a total loss in XX/XX/2018. XXXX payed off the loan except for {$1.00}. Santander never informed me of the remaining {$1.00} balance. Santander charged off the {$1.00} and reported it as a charge off to all 3 credit bureaus. I was never informed by Santander of their intent to collect the {$1.00} nor that they would report it to the credit bureaus without trying to resolve the issue. I've called Santander to ask them to remove the charge off but they insisted that I send a dispute letter for this charge off. This doesn't seem as though this is something I should do as they didn't bother to send me any correspondence of their intent to charge off the account and then report to the credit bureau as if I didn't complete the payment of the loan when XXXX didn't pay the full amount.

Company response to consumer: Closed with explanation