BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 ; 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 explanation
Consumer complaint received 2016-09-19
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Business account with Sun trust linked to credit card was placed in overdraft status due to problem with credit card syst em Being offline. 

As a result My account was charged over {$700.00} in overdraft fees.

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 2023-09-06
Company: LEXISNEXIS
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-06-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Prior to my loan being sold from XXXX mortgage to NewRez mortgage, I agreed with XXXX to take the loan out of escrow. Somehow the fact that my loan was not escrowed was not communicated or acknowledged by NewRez. As a result, at year-end 2020, I paid my property taxes and then NewRez came behind me and paid again. They then reflected a negative escrow balance and indicated that I owed them for the property taxes they paid. After 6 months we are still working with the municipalities to try to get NewRez refunded. This latent escrow issue has hindered my ability to refinance in the current favorable interest rate environment causing me personal financial damage in the form of higher interest expense than I would be incurring if I were able to refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, and 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 604 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: PA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-06-12
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have money on hold through zelle and on " XXXX  '' ( XXXX card reader ). these companies keep telling me its my bank holding my money. I've called numerous times and have trouble shot the problem with representatives with XXXX as well as the other two parties with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-06-17
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with SunTrust, now Truist, was put into forbearance a year ago due to Covid-19 hardships. My loan is now coming due on XX/XX/XXXX and I was sent a letter providing options to come current on the loan. I selected an option offered in the letter ( to defer the unmade payments as multiple payments at the end of the loan ) ; however, despite this being offered in writing, SunTrust representatives are telling me that I can not select that option. Any deferment has to be paid back as a lump sum at the end of the load. 

If the company provided me, in writing, an option that I am asking to choose, how can they now say " no, that isn't actually an option ''? Don't they have to stand behind what they have offered to me in writing? Written communication from a mortgage company is a valid part of the contract and I expect them to abide by their offer.

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 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was applying for a bussines checking account with my previus bank and i was not able to do it because a company called XXXX XXXX XXXX XXXX did not approve me to open the account, i asked for the report and the report says i am in the range to open the account and i do not understand if i am in the range why i was not approved,

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 2023-02-09
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., XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights 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 explanation
Consumer complaint received 2023-10-11
Company: State Collection Service, Inc.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Finally, on XX/XX/XXXX, XXXX XXXX XXXX issued a letter by postal mail and I received it on XX/XX/XXXX. It said that based on the information that I submitted with my application for financial assistance for my outstanding balance was reduced by 100 %. I had been granted full financial assistance with 100 % reduction on hospital bills. 

On XX/XX/XXXX, I received and email from XXXX XXXX, letting me know that an adverse action was reported on my credit report. After accessing the report, I found that STATE collection agency had reported this account as unpaid and and still outstanding. Immediately, I filed a dispute with XXXX and included documentation that should have proven the XXXX balance. However, STATE insists that their records are correct and the balance is still outstanding. 

On XX/XX/XXXX, I again checked my credit for a different reason and still saw that the negative collections mark from XXXX still existed on my report. Again, I disputed it with XXXX, this time including the letter that I had been sent from the hospital, proving my 100 % reduction for the balance. 

On XX/XX/XXXX, I received the results of the XX/XX/XXXX dispute, and again, XXXX maintains that the balance is still unpaid and outstanding. 

I do not know how to clear my name of this collection action. The bill has been reduced by XXXX XXXX XXXX. I will provide all documentation proving that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, A hard inquiry was made on my XXXX account. 

On XX/XX/XXXX I contacted XXXX who gave me an open case number and directed me to file a fraudulent claim with ftc.gov. 

On XX/XX/XXXX I had enough information to contact Bank of America who had issued a cancellation of the card and information to provide to ftc.gov. Bank of America received an online application for credit in the amount of {$7500.00} as an XXXX XXXX XXXX. The account was not associated with my phone number. I was also informed that this fraudulent activity has been happening quite frequently this year. In addition Bank of America requested I contact the United States Postal Service to verify a change of address had not been initiated. 

On XX/XX/2022 I contacted my local postmaster and confirmed that an informed delivery had been requested that I had not initiated. Also the US post office will be monitoring my mail for suspicious activity. 

On XX/XX/2022 I am filing a report through ftc.gov who then forwarded me to CFPB.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Personally, I'm writing to you. NO THIRD PARTY IS INVOLVED IN THIS DEMAND. 
This is not my first time alerting you to unfair practices. You verified these accounts without contacting me. The banking system relies on fair and accurate customer reports, and this is a big example of you being unfair. Without my consent, false information is reported. During your original investigation, your organization didn't tell me these inconsistencies would be reported. 

I'm letting you know that I've been a victim of error, which has made me distrust your company 's methods. Because of that, I will no longer extend my credit, and if this information is not erased, I will no longer enable you to record my information in your company 's database. 

I lost my reputation and credit due to your company 's mistake. 

Your company assumed that was accurate information without my, the consumer 's, or a competent court 's approval. So, you failed to initially investigate this information. You assumed this role and believed this information. ANOTHER VIOLATION. YOU CAN NOT ASSUME FOR ME OR ASSUME THIS INFORMATION WAS VALID. 

You didn't check this information and didn't act fairly. You didn't ask me if I made this transaction. My privacy was compromised, violating my private rights. 


In your original inquiry, you never offered me the chance to dispute this material was mine before you put it on my report. 

I will demand reimbursement for the harm your organization caused me by reporting incorrect information and that efforts are taken to prevent future violations of the Fair Credit Reporting Act ( 15 USC 1681 ). I also require a written confirmation. 

I'm writing again on my own behalf about these demands. There's no third party. I'm giving you another chance to meet my demands. My first attempt arrived via certified mail. Certified mail will be used for this attempt. 

I am invoking specified remedy as the original creditor and demanding the following : XXXX XXXX ACCOUNT # : XXXX I will allow you ( XXXX ) days to process these deletions, otherwise this will lead to much more damage.

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 2021-06-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for Citibank XXXX XXXX XXXX XXXX XXXX employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ). I have contacted XXXX requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806. FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This issue relates to an application for a business line of credit with American Express, and not a personal line of credit. 

On the morning of XX/XX/2023, at approximately XXXX XXXX, I had a conversation with a supervisor at American Express. During our discussion, I was informed that my application had been denied due to a missing document. I was directed to submit this document via a specific link. However, upon trying to access said link, I found it to be unavailable. It was brought to my attention that the submission process through this link is limited to two attempts. At no point was I provided with proper prior notification about this limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Marlette Funding, LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Re : Dispute of Inclusion of Certain Information in My Consumer Report - FCRA 1681a Exclusion Dear Sir/Madam, I am writing to dispute the inclusion of specific information in my consumer report, as allowed under the Fair Credit Reporting Act ( FCRA ), Section 1681a, Exclusion ( A ) ( i ). This section of the FCRA stipulates that the term " consumer report '' does not include certain types of information. I believe that the information currently appearing on my credit report falls under this exclusion and should be removed. 

The information in question pertains to transactions or experiences solely between myself and the reporting entity. According to the FCRA, this type of information should not be considered a part of my consumer report unless subject to Section 1681s3 of the FCRA. 

Specifically, I am disputing the following information on my credit report : BestEgg Late Payment Status I maintain that this information is solely related to transactions or experiences between myself and the reporting entity. It should be excluded from my consumer report in accordance with the FCRA 's Section 1681a, Exclusion ( A ) ( i ). 

I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions. Please remove the disputed information from my consumer report or update the disputed information to Paid on time /never late and provide me with a revised copy of my credit report that accurately reflects the exclusion as specified in Section 1681a, Exclusion ( A ) ( i ) of the FCRA XXXX 

I appreciate your attention to this matter and your compliance with the FCRA 's guidelines regarding the exclusion of certain information from consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a large collection on my Credit report in XXXX of XXXX with Kimball Tirey St John Account number XXXX for {$15000.00} which was originally from XXXX XXXX XXXX which was attached to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Needless to say I was very alarmed for a few reasons : XXXX ). I had moved out and my XXXX, XXXX XXXX took over the lease back in XXXX. 
XXXX ). Adaptive XXXX attempted an unlawful eviction on XXXX by shutting down his ability to pay online and he went to court for it and came to an agreement that he would move out and no monies owed. 
XXXX ). They told XXXX that they listed itemized repairs of {$1300.00} and back rent owed, which the judgement from the court states they are not able to do this. 

I have attempted to dispute this with the Credit Bureaus on XXXX separate occasions : XX/XX/XXXX and XX/XX/XXXX ; both times these institutions had said that the original creditor validated the information despite the ample evidence that I provided to them. 

Kimball Tirey St John Collection Agency and XXXX XXXX XXXX are violating the FRCPA and the FCRA by illegally putting a collection on my Credit report after I moved out and was removed from the lease, but also after my ex boyfriend went to court and came to an agreement that he would move out and no monies is owed. 

Attached to this complaint I have included the documents from the court that XXXX received ( not me as I was removed ) that clearly states XXXX dollars is owed to XXXX XXXX XXXX ( Dated XX/XX/XXXX ). I have also attached documentation from the XXXX XXXX who is an attorney at XXXX XXXX XXXX where it clearly states the record is sealed and done ( Dated XX/XX/XXXX ). I have also included text messages with XXXX notifying me of said information. 

At first, I believed that this is a simple mistake, which is why I tried to dispute it with the Credit Bureaus. But when Kimball and XXXX stated it is accurate, I quickly realized that they are goin against the court order and Federal law to try and collect money that is not owed to them. The Attorney who represented XXXX, XXXX XXXX stated to reach out to her if this information ever showed up on a consumer report so they could pursue this illegal collection matter. Before I pursue that route and hire an attorney, I wanted to attempt XXXX last time to se if Kimball and XXXX XXXX will remove this inaccurate mark.

Company response to consumer: Closed with explanation