BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had signed up for online billing and notifications with my previous mortgage company ( XXXX  XXXX  ) due to my work overseas as a XXXX XXXX XXXXXXXX with the XXXXXXXX XXXX XXXXXXXX XXXX. I've been overseas in various assignments since XXXX, and mailing addresses changed with each assignment, leading to my opting for online communications. XXXX XXXX  apparently sold my mortgage to Truist in XX/XX/XXXX and Truist never notified me of the loan transfer. As a result, my auto-debit payments with XXXX XXXX  stopped stopped without me knowing, and I then missed payments with Truist. I never received communication from Truist. In XX/XX/XXXX, I learned that my credit score had dropped XXXX points due to Truist reporting that I was late on mortgage payments. I immediately ( XX/XX/XXXX ) contacted Truist and found out they were my new mortgage servicer and made a {$7400.00} payment to catch up loan payments and set up auto-debit payments with the new account number I received that day. Subsequently, I requested Truist modify its reporting to credit agencies due to lack of notification of the loan transfer and catching up on payments. Truist refused and sent me a letter notifying me of their refusal. I feel absolutely helpless due to the power that Truist holds over me. I have XXXX other negative marks on my credit history, and this reporting could last for several years, threatening my financial future. Truist has shown no willingness to take the right steps. Thousands of XXXX XXXX XXXX and military personnel working overseas at our Embassies are similarly helpless, particularly as the weak notification attempts ( assuming there were any ) are considered a box checked, without understanding realities of their new mortgage customers, many of whom are their customers not by any choices they made.

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 2021-05-13
Company: Franklin Collection Service, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple agents calling from unknown numbers are harassing me about a XXXX bill and reporting to my credit. They are know to be fraudulent and are also cursing at me and calling at all hours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
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:
You are making false statements in your response to my prior complaint ( XXXX ). Im not sure if your doing this on purpose or out of lack of knowledge of the law You stated, It is important to note the article referenced in your complaint applies to commercial transactions and is not applicable to your consumer loan application. 

If you look at the most recent amendment to 15 usc 1681b, which is public law 116-283, 134 stat. 4594, it clearly defines section 1681b as the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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, 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 Wells Fargo cashed a {$420.00} check without the check being endorsed. They said the person used a mobile device to cash the check. Even Mobilly you Must show the Front and Back of the check. These Are Banking RULES and REGULATIONS which must be followed. 

Wells Fargo again thinks they are above the law. I filed with you because it states your government agencys main objective is to PROTECT customers from being XXXX by Financial ( Banking ) institutions. I will be consistent.with filing this complaint until the matter is resolved by returning my money. 

These are Banking Rules and Regulations which were grossly broken, cashing a check that was NOT ENDORSED. We all know this is ILLEGAL.

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 2020-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
CONTEXT : I made a payment of {$1500.00} to a social media influencer ( a XXXX ) in exchange for an agreed-upon brand promotion of my company. Everything seemed to be going to plan up until it was time for the influencer to upload his promotion, during which he proceeded to ignore me on all channels of communication and essentially just ran off with my money. I got a friend of mine to message him, and he replied to him ( but not me ), with him essentially admitting that he intended to scam me from the start. I tried to dispute this transaction through Bank of America ( with me providing irrefutable evidence that shows that he scammed me, and that I am entitled to get my money back ), but they denied my claim for some reason. I have currently appealed for a revision of the claim, but, unless something is resolved, I feel robbed of the money that should be rightfully mine. 

TIMELINE OF EVENTS : XX/XX/XXXX - Payment sent to Influencer ; ( {$1500.00} ) XX/XX/XXXX - Initial confrontation ; ( no response ) XX/XX/XXXX - Another message to the influencer ; ( still no response ) XX/XX/XXXX - Another message to the influencer, with me saying that I would go to popular news channels on XXXX from our community to expose him for his scam ; XX/XX/XXXX - I message him saying that I fully intend to chargeback and that I am contacting media outlets ; XX/XX/XXXX - I get a friend to message him about him scamming me. My friend asked him why he scammed me, and asked for the money back. In response, the influencer simply said, " bro karma is a XXXX that's all I got ta say, '' which is basically him admitting to scamming me ; ( and refusing to return my money ) XX/XX/XXXX - Claim initiated with Bank of America . I  called them that day and explained everything that happened, and they assured that I would get my money back ; XXXX??, XXXX - My claim was DENIED by Bank of America for reasons unknown ; XX/XX/XXXX - I re-faxed my documents to BoFA in hopes of an appeal. 

Attached to this complaint is a PNG file and a PDF file. The PNG file contains a screenshot of my " Message Center '' in my BoFA online banking profile, where it shows that my claim was denied. The PDF attachment is an evidence file containing all the information about the dispute. The first page contains a text explanation of the situation, with the following pages containing screenshots of messages between me ( and my friend at one point ) with the influencer ( to show proof of the deal, as well as proof of him admitting to scamming me ).

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 2023-05-24
Company: PNC Bank N.A.
State: AR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a 1099-INT form from PNCBank, National Association XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/2023. It contained personal information of name, address, taxpayer ID, an account number and an amount of interest. I made multiple attempts contacting PNC for months trying to find out why they sent this 1099-Int to me. Ultimately transferred to the VP of Executive Client Relations, XXXX XXXX ( P ) XXXX had no idea why and vowed to research until resolved -still no response back. On XX/XX/2023 XXXX XXXX ( P ) XXXX from PNC called and said they were from a Certificate of Deposit under the business name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for more information/ clarification and was told they could not provide any other information and he stated he could not put that in an email as requested. I have not personally acquired any CD 's so I am still at a loss of why this " CD '' has my name attached. Please help me to determine what this is all about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Funding has all my information. I did not sign a contract with Midland for any debt.

they keep making harassing phone calls and are telling me that she has something for me and she is coming to get me. I have no clue what she is referencing. I do not know what debt they bought. I did not sign a contract with Midland ever in my life. I do not know what documents they have to have my social and date of birth. Very upsetting to know they can use my social and dob to threaten me. XXXX told me I was stupid and she will not let me talk to her to resolve any issues. She is not professional at all. She told me i need to show up for court today XX/XX/XXXX but nothing is at the courts office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
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:
On XX/XX/2021 and XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
THE FILES HAVE BEEN SENT TO CHASE. 
THEY INCLUDE THE STATEMENTS FROM THE TIDES WHERE I RESIDE. 
ALONG WITH THEM ARE THE STATEMENTS FROM CHASE REFLECTING THE INTEREST CHARGES. 
I CONTACTED THE BANK EARLY IN THE YEAR AS I HAD LOST MY JOB AT XXXX XXXX 
THE PRINCIPAL AND HER ASSISTANT WERE FIRED THIS SPRING. 
I WAS IN ARREARS AS A RESULT OF NOT RECEIVING MY TAX REFUND FROM THE IRS. 
THE BANK HAS ALL OF THE INFORMATION IN THE FILE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: IL
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 fair credit reporting act XXXX Account has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 2023-02-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a forced escrow account with a Shellpoint Mortgage servicer. They take monies out to pay taxes & insurance, they decided to collect monies but not pay for the insurance. On XX/XX/2021 they failed to pay for the insurance ( even though they were withholding monies ) The policy was canceled ( I could have lost my home! ) I renewed the policy by paying it in full ( policy # XXXX ) I paid the policy in full for the entire year! I forwarded a copy of the policy to Shellpoint. They told me that they going to buy a policy for {$160.00} per month for a policy with much less coverage. I informed them that I have a fully paid policy. 
I have copies of the letter demanding for the servicer to pay the monies that they were withholding! They refused and made no payment at all. This action or lack of action forced XXXX XXXX XXXX to terminate the insurance. 
This is when I purchased a new policy and paid it in its entirety its amount is {$600.00}. They have been withholding money even though they know that there is an existing policy! 
I am demanding that they return all of the forced money that they are pocketing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: MN
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and XXXX have disregarded my request AGAIN for the DELETION of the account below which is not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. Now tell me, are you playing around?! Coz let me inform you that you are NOT COMPLYING with the law. I reached out to the company and they agreed to delete it from my report BUT XXXX has some internal block that they're claiming they can use to not block the account because they feel they're above the law. When I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THIS ACCOUNT INSTANTLY! 

XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: SYNCHRONY FINANCIAL
State: KY
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:
Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: MD
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 writing because I am a victim of Identity theft. I have disputed the following account several times and it has come back verified every time. 

XXXX 's reporting a negative account on my credit report and I have reported the account to them directly and the buerers and they are claiming that its my account. I am requesting that the item be removed ( or request another specific change ) to correct the information. 

In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( XXXX ). The copies of the records can be mailed to me at the my address XXXX XXXX XXXX XXXX XXXX, MD 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