BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Truist Bank since XXXX, XXXX to facilitate a mortgage modification in conjunction with my bankruptcy filing. On XX/XX/XXXX, I was approved for a trial modification plan with monthly payments in the amount of {$1900.00}. I made payments in accordance with this agreement until XX/XX/XXXX, at which time Truist requested a new modification plan. On that date, I was enrolled in a modification plan which superseded the previous plan, with new monthly payments in the amount of {$1100.00}. 

Under the terms of the trial modification plan, three monthly payments in the amount of {$1100.00} were to be paid on or before XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made painstaking efforts to make timely, in full payments in spite of financial difficulties I was facing at that time. After the final payment due date of XX/XX/XXXX, Truist confirmed that the terms of the trial modification plan were fully satisfied and sent via overnight mail a packet of documents to sign and notarize in order to finalize the modification. These documents were signed and notarized, and returned to Truist on XX/XX/XXXX. 

I continued to make regular, timely payments to Truist in accordance with the modification agreement. On XX/XX/XXXX, a Truist representative contacted me by phone to confirm that the modification packet was received and verbally confirmed the terms of the modification with me. At some point in XXXX, XXXX, Truist again sent a packet of documents to sign and notarize, despite having already done so. Once again, these documents were sent back to Truist. 

However, since that time, Truist has repeatedly backpedaled as to whether the documents were received by them or not, and the subsequent consequences. Every phone call placed to Truist and every different agent I spoke to provided different, conflicting answers as to whether the second modification packet was received by Truist, and the status of the modification being finalized. I have fully complied with all of Truists requests before and during the trial modification period, and during all times after the trial modification ended. 

In spite of a very difficult personal family & financial situation, I have diligently made all payments in a timely fashion. Truist has cripplingly failed in their obligation to adequately service my account. My most recent conversation with Truist representatives indicated that due to not receiving the modification packet, the modification offer has been revoked and it would be necessary to start the process all over again, after nearly a year of working toward a resolution. This is completely arbitrary and capricious, and frankly unacceptable to treat customers in this 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 2020-01-30
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2023-12-07
Company: ALLY FINANCIAL INC.
State: NJ
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned thing.

DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX. 

All Rights reserved without prejudiced

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 2023-03-08
Company: Experian Information Solutions Inc.
State: AL
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 interested in disputing all incorrect information on my credit report with experian. checking my file ive noticed alot of invalid data that is hindering my file. please delete an remove all information submitted in the files 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 explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NC
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I called and requested for a 1099 form and for this to be deleted from my report because its charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned thing. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX CAPITAL ONE  XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX. 

All Rights reserved without prejudiced

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have opened disputes with XXXX, XXXX and Transunion. I have informed all 3 that my Student Loan balance is XXXX ( XXXX ) dollars, paid in full, closed account with no payments due. They all continue to report a balance of {$180000.00} which is incorrect, the balance is XXXX. 
All dispute information was shared in XXXX of XXXX. 
I submitted paperwork from my lender/creditor ( XXXX ) to all 3 credit reporting agencies showing the loans as paid in full.

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 2022-05-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the 3 Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I TRIED CONTACTING THEM BT IT SEEMS LIKE THEY ARE BLOCKING AN UPDATED VERSION OF MY CREDIT REPORT AND SCORE FROM SEVERAL WEBSITES AS WELL AS THEIR OWN SO I CAN SEE UPDATED INFORMATION. IT SEEMS RETALIATORY SINCE I HAVE FILED COMPLAINTS FOR INCOREECT REPORTING IN THE PAST. 

it always says temporary issue and yur report is not available ( For 3 months know )

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 2020-04-10
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:
ftc violatons FTC Action : XXXX  XXXX XXXX to Pay {$85000.00} Civil Penalty Allegedly Violated Order that Barred Deceptive Advertising of Vehicle Costs The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

Section 604 ( a ) ( 4-5 ) : Child support purposes The settlement requires XXXX and XXXX to pay {$130.00} million to the FTC and {$34.00} million to New  York  for allegedly violating the ...

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 2022-05-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following inquiries and personal information were inaccurate and unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Bureau 's investigation. I have already addressed this issue to the Bureaus but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries and personal information that should be removed : Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MI
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 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 dept ed XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccurate information that has been reported to the credit bureaus regarding my credit history. After reviewing my credit report, I have found that several creditors have reported negative information that is inaccurate and has damaged my credit score. 

Firstly, XXXX reported a charge off account with the account number XXXX. I have never had an account with XXXX, and this information is completely inaccurate. 

Secondly, XXXX XXXX XXXX reported a charge off account with the account number XXXX. I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Thirdly, XXXX has reported a collection account with the account number XXXX. I have no recollection of any outstanding debts with XXXX and have never received any communication regarding this debt. 

Fourthly, XXXX XXXX has reported a charge off account with the account number XXXX. I have no knowledge of this account and have never conducted any business with XXXX XXXX 

Fifthly, XXXX XXXX XXXX reported another charge off account with the account number XXXX. As mentioned previously, I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Sixthly, XXXX XXXX reported a charge off account with the account number XXXX. I have had a credit card with XXXX XXXX, but I have never missed a payment or had an account go into charge off status. This information is inaccurate and damaging to my credit score. 

Lastly, XXXX XXXX has reported two charge off accounts with the account numbers XXXX and XXXX. I have never had any accounts with XXXX XXXX and this information is completely inaccurate. 

I believe that these inaccurate and damaging reports violate my rights under the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA. I am requesting that these accounts be removed from my credit report immediately and that any damage caused to my credit score be rectified. I am also requesting a written confirmation from the creditors stating that they have removed these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2019-08-22
Company: PARSON BISHOP SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company I obtained my XXXX XXXX for did not do a thorough job writing out the diagnosis and recommendation. It has caused years of hardship trying to get insurance to pay for items needed for my XXXX, a required medical need. 
They are hindering this process yet again as insurance is now saying they will not approve any further medical equipment until they have a proper recommendation stating the type of machine needed and detailed information so that the correct machine can be ordered. 
Our current machine is obsolete. Therefore we have to now get a new machine. 
We have asked the sleep study facility for this information as it was not on the original recommendation and that is standard operating procedure. 
They are refusing to see me or provide this information saying we owe them money. 
We do not owe them money, we had a {$50.00} co pay and it was paid. Further, their company did not bill insurance and because that statue of limitations has passed they are trying to collect from us. 
We did not have a {$230.00} co pay we had a {$50.00} co pay at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
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 : 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 an 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 2022-05-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following inquiries and personal information were inaccurate and unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Bureau 's investigation. I have already addressed this issue to the Bureaus but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries and personal information that should be removed : Addresses XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, OH XXXX Employer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/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 2023-11-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit limit was reduced from {$1800.00} to {$100.00}. I have never been late on a Synchrony bank credit card. 

The reasons given were lack of real estate, too much revolving debt, credit limit maxed out, delinquency. 

I own a home My credit limits maxed out are those Synchrony reduced. 
Amount of credit and delinquency was there when the account was given to me. So ok to have it then? But not 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 explanation