BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: Experian Information Solutions 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 attaching the detailed letter regarding the XXXX XXXXXXXX account number ending XXXX, in which on multiple occasions I spoke with this company to explain the reason for my late payment that had been due to a fraud issue and they told me to please send them a letter in writing explaining everything. 

This letter was received and I was notified that the account was going to be corrected then they sent me a letter explaining that they could not change this situation since they had to accurately report the report, where I express that due to fraud they should give me the necessary help since it negatively affects my credit report and my reputation.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: NC
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, 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 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-09-08
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had another fraud attempt. I made a complaint back in XX/XX/XXXX regarding complaint XXXX, where someone pretending to be me came into the branch and claimed over {$19000.00}. Now that same situation is happening again. On XX/XX/XXXX someone again went into the bank with my information added a joint to the account and took XXXX from my account. They made two cash withdrawals from the bank in North Carolina a state I've never been in. As a safety precaution the fraud team added a passcode that the banks need to verify if I attempt to go in the bank. Well guess what, they didn't ask the man for a passcode. Even when I went into the branch no one verified the passcode with me. Why is no proper verifications ever being taken, this is the second time this has happened to me with US Bank. Even now I feel like no urgency is being taken to get my money back. I go to the branch, they tell me to call fraud, I call fraud and they tell me to go back to the branch. This whole situation could have been easily avoided if someone just read the notes and verified that they have to verify the passcode with me. There needs to be more penalty and compensation this time around. This was a huge L for USBank. You expect this to happen maybe once with a bank but twice in less than two years is just an embarrassment. I'm incredibly disappointed. In the future hold the bank tellers accountable because they will skip over basic verification processes just because you have an ID and not even look that this account was suspect of fraud in the past. It's lazy and irresponsible and it ruins lives each and everyday.

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 2023-02-20
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My household had to apply for a forbearance plan due to a furlough. Once the forbearance period was set to end I opted to have all the missed payments added to the end of our mortgage for an extra 6 months of payments past the initial 30 year plan. I submitted on the website to go this route, sign and notarized paperwork to go this route, and yet despite that someone at LoanCare hit the wrong button and performed a completely unauthorized motion for us to go with a repayment plan instead of the loan deferral. I have called them 6+ times trying to take care of this until finally a supervisor today told me we are essentially stuck doing the unauthorized repayment plan despite there being notes in our account of approved claims for the deferral. I think they are trying to add a loan of missed payments to the end of our initial loan AND make us pay back what we missed during the forbearance as a way to double dip on a family that had unexpected financial troubles related to the pandemic. Now we can't even pay our normal what would have been due mortgage payment on XX/XX/XXXX because " their system is still processing ''. Well, it's been " processing '' for over 2 months now. They deserve to be sued into oblivion, I hope they go out of business.

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 2022-10-11
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX  # XXXX Another inaccurate reporting in my credit... high balance XXXX XXXX$0.00}, equifax {$520.00}!!! Date of Last active experience XX/XX/2017 while equifax XX/XX/2017... XXXX REPORT..PLEASE DELETE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
My property went into foreclosure and earlier this year I applied for a loan modification that I CAN afford but my servicer, Shellpoint, denied it claiming they never received my financial statements that I have proof I sent them. This is a horrible company! 

Then over a month ago, we requested documents from servicing file from Shellpoint that I allowed to have under TILA. They keep giving me the run around. 

All I want to do is keep my house!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Unable to access TransUnion website. Unrecognized inquiry on credit report dated XX/XX/2022. Informed 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 non-monetary relief
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: OH
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:
I sent an FTC Identity Theft Report Dispute to Equifax, XXXX XXXX XXXX requesting them to PHYSICALLY VERIFY & provide the " METHODS OF VERIFICATION '' for the disputed accounts via certified mail ( copy of letter & FTC ID Theft Report attached ) they were received by Equifax, XXXX XXXX XXXX on XX/XX/2021 & XX/XX/2021 respectively ( copies of Proof of Service attached ). As of today XX/XX/2021, I have received neither PROOF OF VERIFICATION, nor any METHODS OF VERIFICATION. These are violations of my rights under FCRA Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On receiving my consumer report, I notice several accounts reporting inaccuracy with open accounting, collections, late payments, charge off, and installments accounts that I have no full knowledge of. I've written to all three reporting agencies, TransUnion, XXXX, and XXXX. After 47 days it's still no response from these reporting agencies. 

It's why I'm asking the CFPB to conduct an investigation to my complaint. I'm requesting that these reporting agencies provide verification on these inaccurate accounts listed below, or obtain a copy of any judgement, or name and address of the original creditor. To verify accuracy or establish reasonable proof that I am the legal owner of the alleged accounts that's reporting inaccurate information to my consumer report. 

Accordance to the FCRA, these reporting agencies has violated my rights with these inaccuracy reporting to my consumer report. When these agencies must maintain the utmost accuracy, and they have failed to maintain the accuracy, which breaches the mandates of the FCRA. 

I request the CFPB to require these reporting agencies to verify these alleged debts of late payments, change off, collections, and installments accounts, while including forms and conditions or purchases .or installment agreements that will or can validate the maximum accuracy to support why these activities has and is compromising the accurate and integrity to my consumer report. When I never received validation of debts nor notices or any initial communication. 

I request that if these reporting agencies fail to verify any accuracy to these accounts to the FCRA mandates. I wish that these inaccurate accounts be deleted and a update be reflected to their true status. 

These inaccurate accounts has violated my consumer rights. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Under, 15 USCS 1666b ( A ) Time to payments Under, 15 USCS 1681s-2 ( A ) Duty of furishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

Under, 15 USCS 1681 ( B ) Reasonable Procedure Under, 15 USCS 1681a ( A ) Definitions ; Rules of Construction ( 2 ) Exclusions ( A ) Any ( i ) reporting containing information soley as to transaction or experience between the consumer and the person making the report.

Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports.

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 2022-03-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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. 
Account name : Credit Management LP Account Number : XXXX has violated my rights.

15 U.S.C 1681 section

602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Information belongs to someone else

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. 

Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit on XXXX for XXXX. XXXX XXXX dollars of the deposit was made available on XXXX. I placed a call to customer service on XXXX to confirm the deposit and was advised it should on only be a few days for the hold on funds. On Friday XXXX I received a card in the mail from Truist Bank advising that there is a hold until XXXX because the check is " likely uncollectable ''. I contacted Truist and was told i needed to speak to the XXXX department and the representative would connect me. After XXXX minutes she came back on the line and told me they were unavailable and that I could contact them directly. I called yesterday XXXX and spoke to the XXXX department as instructed and they advised they have nothing to do with it -- I would need to speak to someone in customer service. I spoke to XXXX in customer service who advised that since the Truist merger, there was a large amount of fraud causing delays on check/holds. I explained that the check was from XXXX XXXX and was advised it did not matter. I also advised that the online backing states that the funds will be released on XXXX and the card I received in the mail advised XXXX. XXXX confirmed XXXX. I called this morning to file a dispute and XXXX ( supv ) advised it is 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 2022-04-26
Company: EQUIFAX, 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 XXXX  Account XXXX and Account XXXX violated my rights. 

15 U.S.C 1681 Section 602 A. States I 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: VA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report 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 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history and I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

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 2023-06-23
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:
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. 

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2023-05-23
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Truist had offered a {$400.00} banking bonus. I had created an account but was not allowed to login in, make a deposit or anything as truist had never sent account information or a account creation link. I had waited to receive my debit card to create the account, as truist asks for this information. I never received it. The account was almost like it was never created. I had created another account, was able to login and deposit money. I had spoken with customer service on multiple occasions, asking if XXXX account had the bonus applied, they all assured me it was. 

I meet the criteria, and truist now says because I had created a first account, they had refused me access to it, that they can not pay out the bonus. 

This is false advertising and seems deliberate on truists part. Lure customers in with a bonus, refuse access to the account, then deny the bonus.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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