BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXXXXXX shows multiple lates which a direct violation of FCRA USC 15 USC 1681b permissable purpose of a consumer 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 non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 regards to XXXX XXXX XXXX XXXX Account # : XXXX As to the credit reporting agencies Transunion XXXX XXXX , and XXXX Per the FCRA I as a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and non-verbal per 15 USC 6802- 6805 Per The Privacy Act of 1974 And under 15 USC 1681 ; the report is inaccurate with blue highlighted dots showing inaccuracies and need for this account to be removed 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 non-monetary relief
Consumer complaint received 2022-05-14
Company: TRUIST FINANCIAL CORPORATION
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:
To whom it may concern. 

In XXXX of 2021, I found myself unable to log in to my Suntrust account, the branches were closed and there was nobody answering my calls. 

I was unable to manage my account and unable to prevent a miniscule automated charge from hitting my " STRICTLY NO OVERDRAW '' account. 

That made me feel sick, so I immediately switched my direct deposit to a different bank until this could be resolved and they have never been willing to resolve it. 

Meanwhile they sponsor the XXXX? 

I have spend countless hours trying to communicate with them and spent about a day 's worth of time waiting on hold for them. 

Their branch manager told me in person after I was unable to find a resolution through other avenues, to forget about it and they will probably wipe out the negative balance and close the account, because of what happened to me... 

LOL, I guess they just bullshitted me to my face or lied? 

I reported them here months ago and received a letter yesterday that was just another attempt to make me pay for the heinous headaches their failures as a bank caused me. 


They have been insulting to me, belittling, and deceptive. 

They are trying to position themselves to put the shame of their failure onto my name unless I pay for their mistakes. 

Any charges that occurred on that account after XXXX were not even under my control, they screwed up my account access and I didn't have time to wait on hold with them, I don't even have time now, and you don't have time... 

Almost seems like I was privately targeted by somebody within their company. 

I honestly think this was just somebody in their company who didn't like me that was trying to mess with my life and didn't care about losing me as a customer. 

I have had to deal with customer service agents who did not have adequate comprehension of the English language and they have failed to even address me properly after I have tried to be as personable and relatable to them as I can be. 

They are truly strangers, make me feel like they are some kind of domestically subversive financers of societal denigration. 

They should be a bank for people with 6 figures only, they simply have 0 respect for accounts that do not have large stagnant balance for them to profit on.

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 2021-07-01
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I own a home in New Jersey. My loan is FHA. There was a family who rented my property who was not able to pay the rent for a few months and had a history of missed payments. The tenants moved out of my home I believe in XX/XX/2021 due to lack of work as a result of Covid 19. My servicer at that time was XXXX XXXX XXXX. I requested to have a forbearance for the missed payments. My home remained vacant until XXXX until new tenants moved in. Once I started to receive income from the new tenants, I entered into a repayment plan with XXXX XXXX XXXX. After making 2 repayments as agreed, my house sustained a significant fire, {$300000.00} in damages. During this time, I was not able to continue to pay the agreed payments for the current and the past due balance. I contacted XXXX to discuss my options and informed them of the fire that took place and the loss of rental income. I was informed that my loan would be handled by a new servicer ( Fay Servicing ) and I was also informed that XXXX would not have the ability to provide any work out options, I would have to contact Fay Servicing. I contacted Fay Servicing and explained my situation. I made 2 payments to Fay Servicing XX/XX/2021 ( {$5000.00} ) and XX/XX/2021 ( {$7400.00} ) XXXX : {$12000.00}. I applied for a modification and was denied due to income which I find hard to believe. I was advised to sign the deed over to Fay Servicing in lieu of foreclosure. I contacted Fay Servicing to discuss mortgage assistance options or forbearance because I am only 3 months behind since I made the above-mentioned payments, now we are in XXXX, another payment is due. I was told that I don't qualify for a modification because of my income nor a forbearance because they do not participate in any forbearance programs. In addition, I was told that I am not protected under Covid 19 relief because I did not pay as agreed. I have sent several emails to my home preservation specialist ( XXXX XXXX ) to whom never responds and I have made several phone calls to XXXX but, he does not return phone calls either. I left a voice message for the supervisor in the home preservation department on XX/XX/XXXX explaining my situation and he or she has not returned my phone call. I received a Notice of Intent to Foreclose in XXXX after making such payments advising if I don't pay the delinquent balance, Fay Servicing will file for foreclosure by XX/XX/XXXX. Attached are some of the communications I had with Fay Servicing. I am desperate and I believe Fay Servicing has the ability to help me but, they refuse to. My insurance company has not paid me a XXXX since the fire. My mortgage payment is {$1800.00} per month. I work 7 days per week to try and catch up with my payments. I am on the brink of loosing my home with no help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/22 XXXX alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX again from XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Also on XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to XXXX to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. XXXX says My Information is in the Dark Web. I Want Them Stopped Please! Thank the Lord these people have not gotten Money, that I know of right now. 
I have been in touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take? 

Thank You for your help, in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: DISCOVER BANK
State: CA
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:
In XX/XX/XXXX, I received a call from Discover Account Services. They asked if I was XXXX XXXX XXXX , I explained that I wasn't but I was married to a XXXX and had been divorced since XXXX and my middle name didn't begin with an H. They proceeded to tell me that I had a balance of over {$8000.00}. I told them this must be fraud as I haven't had a discover card since XXXX when I applied for a mortgage. Many phone calls in XXXX and XXXX finally resulted with me speaking to an individual who explained that the account was paid to {$0.00} in XXXX but not closed. She then closed the account and gave me a reference number. She said should I receive any calls to give them this reference number. 

Today, XX/XX/XXXX, I spent XXXX hours on the phone because I received XXXX invoices from Discover informing me that I had a new balance of {$400.00}. I was transferred XXXX  times and the last woman I spoke with, XXXX in XXXX, informed me that she spoke to the " Specialty '' Department and they had taken care of this and my account will be XXXX. 

Dear Government representative, during this time my credit score dropped XXXX points and I asked if this could be cleared up since the problem was on their end and they have no answer for me. I am a US Citizen, a XXXX XXXX who hopes to retire in a few years. I have a mortgage and I am concerned that this situation/issue, through no fault of my own, will affect either my social security or pension in the future. Not to mention should I want to downsize and get another mortgage. 

Can you help me? I want this account in this name no longer associated with my social security number and address. I want a summary of my account showing that it was closed ( that I could show a bank or other financial institution ) and my credit rating restored by Discover card informing the credit reporting agencies that this was an error on their end. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX : XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}

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 2023-09-01
Company: JPMORGAN CHASE & CO.
State: FL
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:
I see on my credit report some unknown accounts, I do not recognise nor have i opened or used these accounts, therefore I request to remove the fraudulent accounts from my report, I am currently pursuing all legal avenues in order to get this resolved as a matter of urgency, kindly remove these fraudulent inquiries and derogatory reports from my account. 

XX/XX/2013 a balance of {$3700.00}. 
I am a victim of identity theft and I never opened this account. 

balance of {$720.00}. 
I am a victim of identity theft and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  and Transunion are all in violation of the FCRA. Every negative item on my credit reports is 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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is still reporting to my credit as a chargeoff. However the payment was settled on XX/XX/XXXX and I received a letter on XX/XX/XXXX that they would request for the tradeline to be deleted from all credit reporting agencies. However it's still be reported and does not reflect the payment. I've submitted several disputes to credit reporting agency but the it has not been removed.

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 2022-05-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 XXXXXXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was approved for borrower defense. I have a letter provided by Department of Education. As per approval letter, I am no longer required to make payments while my loans are in discharge process. Per Sweet vs Cardona settlement, loans should be discharged no later than XXXX I uploaded letter to mohela and I also called them and they refuse to put my loans on administrative forbearance stating that Dept of Edu needs to send them proof. I have been trying to resolve this issue since XXXX XXXX XXXX. DOE states that mohela does not require written approval from them for my admin forbearance. Mohela has agreed to put my loans on general forbearance but with interest accruals. This affects my credit rating and finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: MA
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/ 2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was erroneously charged XXXX by XXXX. I immediately notified TCF about the charge. I learned yesterday they denied my claim because I didn't dispute more charges. My account has never been overdrawn due to any fault of my own. To make things worse TCF wnt back and assessed me {$220.00} worth of fees after they negligently closed my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: AL
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: AL
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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit.

XXXX  - There are several inconsistencies across all 3 bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, Equifax is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt?

XXXX XXXX- There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, Equifax and XXXX are showing different days late.

Company response to consumer: Closed with explanation