BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was previously with SunTrust bank ( now Truist ) I made my mortgage payments in the same amount {$2300.00} using bill pay through XXXX XXXX each time and did not have any issues with payments being received or being allocated for more than a year. Then I was notices my payments for XXXX, XXXX, and XXXX were past due. I look at my bank statement and they were sent and received by SunTrust. My loan switched to XXXX mortgage company in XXXX so I paid my first payment that month to them no problem. They are showing I am in default for those XXXX payments and have been calling to collect the debt. I have opened numerous cases with SLS and sent my bank statements for each month with proof of payment. I have called XXXX more than a dozen times to check on the status of my case only to learn that it was never opened or was closed without my knowledge. I have been asked to provide the same bank statements over and over with no explanation of why the first time I sent it wasn't sufficient. I still receive calls daily from XXXX attempting to collect the debt because nothing has been noted in my account that I have a case against this and I have to explain the situation over and over with each new customer service agent I get. I have called SunTrust and they told me that for some unknown reason my mortgage payments for the three months in question were set aside into an unallocated funds account however I have gotten no answer on how to get that money correctly allocated. They refuse to communicate with my new mortgage company or refund the money. This has been going on since XX/XX/2021 and I have gotten no where with either company. I am terrified this is going to affect my credit and have spent hours on hold and on the phone with customer service representatives who can not get me answers and run me in circles asking for the same information over and over with no escalation of my case.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it immediately. 

4. Other information I would like changed XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2023-09-15
Company: ONLINE Information Services, Inc.
State: VA
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:
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
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 already called Audi regarding this issue and they were not able to resolve it for me on the phone, they told me I need to submit a claim over mail and that it is not guarenteed it will be resolved. 

I was told I was set up for auto payments but when time came for the payment, it did not go through and I was not informed. I was only ever informed through XXXX XXXX when the payment his 30 days late and I immediately paid for the overdue payment, the current payment, and the future payment as well. I have never missed a payment in my life for any of my lines of credit. I contacted Audi and asked them to rescind it as the dealership told me I was set up for auto payment but they asked for proof which I did not have. This was only my second payment for the car. I have since set up auto payment myself through the website and I have been up to date with the payment. This reduced my credit score by over 100 points and I have worked very hard for many years to keep my credit score. This single payment has completely destroyed my score. I have attached the payment I made for 3 payments at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.

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 2021-04-06
Company: TD BANK US HOLDING COMPANY
State: NY
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 ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605  B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Between XXXX XXXX and XXXX XXXX my monthly payment changed from {$83.00} to {$190.00}. They claim the prime interest rate went up. so there was nothing I can do.

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint about four accounts that keep appearing on my credit report and that do not belong to me. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never opened or used these accounts, and I have no knowledge of how they came to be associated with my name. I have made multiple attempts to have these accounts removed from my credit report, but they keep reappearing. 

This situation is causing me significant stress and frustration, as it is affecting my credit score and making it difficult for me to obtain loans or credit cards. I am also concerned about the potential for identity theft or fraud. 

I request that the Consumer Financial Protection Bureau investigates these accounts and takes action to have them removed from my credit report as soon as possible. I will provide any necessary documentation or information to support my claim. 

Thank you for your 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 2023-09-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The card gets declined from everywhere. I can't use it in store or online. When I called customer service, they said to wait for 24 hours and try again. After waiting, it still didn't work. Then I was told there is nothing I can do. Several other customers have the same problems if you search it up online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 at around XXXXXXXX XXXX. there was a hard credit inquiry on my credit report accounts from the bank capital one that I never applied for. I was checking my emails on XX/XX/2023 at around XXXX XXXX and noticed I had many of them from cXXXX XXXX XXXX XXXX XXXX XXXX notifying me about the credit report on the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a payment to OneMain Financial to pay off a loan in which the tender of payment was refused. I recently seen in UCC 3-603 that if a tender of payment is refused, there has to be discharge of the debt. On XX/XX/XXXX, I sent OneMain Financial a conditional acceptance notice where I asked for specific information and for them to validate the debt within 10 days after receipt of the notice. It has since been 35 days and I have not received any information I requested, and this makes this debt invalid due to them not responding to my offer of a point-by-point basis via sworn affidavit signed under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Account information incorrect

Complaint:
On my equifax report XXXX XXXX XXXX hasnt been reporting my on time payments, increased credit limit and balance since XX/XX/XXXX  and Ive been trying to fix this problem for 4 months now and its hindering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Failing to send you notifications Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes reporting a debt as charged-off when you settled it or paid misstating the balance due Mixed Files Debt Dispute Violations correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) NO MORE TIME THEN THAT TIME FRAME notify every involved that you dispute the debt Privacy Violations CRAs can not release your credit report to just anybody. 




Remedies If any of these three types of entities ( credit bureau, creditor, or information user ) violated your rights under the FCRA, you might be able to sue them in state or federal court for damages. 


Furnishing and reporting inaccurate information A creditor, much like your credit card company or loan collector, should not be knowingly supplying incorrect information to a CRA. 

Some examples of inaccurate information that could be supplied to your CRA include overstating or misstating total balances due, reporting a debt that has been paid off as a charge off, reporting payments paid on time as late or mistakenly listing you as a debtor on an account. 

Bottom line : CRAs need to respond to filed disputes in certain ways, and not following those procedures could violate the FCRA. 

Bottom line : Creditors or CRAs failing to update your credit information ( which should be kept as up-to-date as possible ) violate the FCRA. 


Mixing files In some instances, a credit bureau can mistakenly mix your file with that of another debtor with information similar to yours, like a shared last name. This violates the credit bureaus obligation to report accurate credit information about every borrower. 

Mixed file violations include combining credit information of people with similar names living in the same area, such as if there are XXXX people named XXXX XXXX who live in the same zip code, or not including XXXX, XXXX, XXXX or other differences for people Bottom line : Its possible mistakenly mix credit information of two people with similar information, which violates the FCRA if not remedied. 

The right to dispute inaccurate/incomplete information Any inaccurate or incomplete information found in your credit file that is reported to a CRA must XXXX thoroughly investigated by the agency.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-07-19
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived in housing paid for by my then employer and when I left the company to move home they didnt transfer the lease into the new management leaseEs name as I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE 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:
This doesn't belong to me I never had a contract with this company

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 2021-01-06
Company: Social Finance, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint centers on a " decline '' credit decision by SoFi Lending/Mortgage without notification on the reason for their adverse credit decision. It is my understanding as a banking professional with 12 years of consumer and commercial lending experience that by law ( such as Reg. B, Fair Credit Reporting Act and HMDA ) a federally insured lender must inform an applicant on a credit decision within 30 days of receipt of a complete package and in cases where the credit decision is adverse ( such as a decline ), they must inform on the reason. Thus far no reason has been provided after initially receiving an " approval. '' My emails, voicemail messages and other forms of communication have been ignored. Based on my professional experience and on the fact that I have been approved for the same mortgage request with a different ( local ) lender, some form of bias or other type of discrimination has taken place. I would welcome the opportunity to discuss further. It is my fear that SoFi Mortgage is not abiding by federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Conduent Incorporated
State: AZ
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had received three payments on my child support card in Arizona in XXXX and XXXX. I hadnt received a single payment from this party in over a year so I hadnt been checking my account. I happen to call my caseworker three days ago actually four days ago to check a status on my case and she said that I had received three payments totaling almost {$500.00}. I said thats crazy when I call the card it says I have a XXXX balance so when I looked into it online someone in Michigan had made transactions on my card that I did not authorize restaurants and a couple other things all based out of Michigan I can not get a hold of this company to save my life. Every time I call somebody they give me another number, but its all automated. I reported the car lost and stolen and even before I reported it lost and stolen I couldnt speak to a live person. Child Support is absolutely no help. They say that they dont deal with the way to go card I think thats very rude because its not my fault that someone took almost {$500.00} Im not giving up I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Bread Financial 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a 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