BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: SUNTRUST BANKS, INC.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went into the sun trust bank and talked to XXXX regarding my dad being deceased. I told him just informing them of deceased he called the mortgage department and than started demanding payment from me ... I told him I have no money I am not taking responsibility of debt.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hey I should not have a XXXX  account!!!! I should not have a balance! I keep reading on my reports that an account is open, AFTER telling them twice to close it, then you guys take their side with no proof.after I verbally told them I have no account and to close it, now im convinced that this is a scam, they also ran an unauthorized credit check on my report, they have no proof I have agreed to anything.because I didnt this was all fraudulent activity for several monthsso none of you will help? My next step is legal action, because im not sure who phone is being notified but its not mine my email is never notified either I havent even gotten mail from these people regardless of what they say

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 2018-04-12
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In good faith I took part in a promotion offered by US Bank and XXXX check out. The promotion stated that if I spent 50 dollars by XX/XX/XXXX, I would receive a 25 dollar statement credit. I am attaching my order confirmation page that clearly shows I purchased my items within the timeframe required. The items did not post to my credit card account inside the required time frame. I am attaching the promotion offer to show that the offer only states that the purchases be made by XX/XX/XXXX. The offer did not state that they post to the account by the XX/XX/XXXX. I have filed a Reward discrepancy. I sent my order confirmation showing the date ordered. I called back to check the status of my discrepancy, and now Im being told that the promotion can not be applied because I did not use XXXX check out. I have contacted the bank and I have contacted XXXX and I have contacted XXXX check out. None of the organizations can prove to me or give me documentation that I did not use XXXX check out. I believe I did and would like proof that I did not or I would like my {$25.00} promotion credit.

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 monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NJ
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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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 XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Status : Charge-Off Status Update : XX/XX/XXXX Transferred to another lender Purchased by another lender Balance {$0.00} Balance Updated XX/XX/XXXX Credit limit {$1100.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Company sold Original creditor-

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: EQUIFAX, INC.
State: ND
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted multiple dispute letters to Equifax but I got no results. Last XX/XX/2022 they sent me a letter asking to provide my full SSN, I have provided the last 4 digit of it but they are now asking for a copy of my Social Security Card. They are not taking action with regards to my dispute letters instead they are delaying the process and does not do anything. I am attaching my Proof of Address here because they are asking for it but I wont provide my full SSN because they already have my ID and all of the information they need to verify that it is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NC
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:
Credit report deletion letter In accordance with the Fair Credit Reporting act the following listed creditors listed below have 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 account without my written instructions. 


Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/XXXX Amount : {$600.00} Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX  Sold to XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX  Account XXXX XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX - Purchased by another lender XXXX XXXX XXXX  Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-12-04
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The NewRez mortgage servicing company that I used to use with my XXXX  ex-husband is sending me emails about his current loan and refuses to take my email address off of his account. I know his name, phone, current address and social but apparently thats not good enough to remove my email address since I obviously dont have his new loan number. I have no desire to start communicating with him to fix his problem & its incredibly upsetting for me to see my XXXX  name unexpectedly in my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
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. 
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 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 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 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 2021-01-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the ending months of XXXX I was having problems paying my mortgage. the bank who holds the loan is XXXX XXXX. Since i was late in payments i received a letter from XXXX XXXX stating that they were going to foreclose on the property. At the beginning of XXXX I enquired about a loan modification which they said they could do. Since we were on the verge of foreclosure I assumed that whatever they offered we had to accept. At the time of applying for the loan modification my mother ( XXXX XXXX ) had title to the house.This house is a mother/daughter type, I live on 2nd floor, mom lives on 1st. On the loan application my income was considered in calculating the monthly payments. My mother passed away 5 yrs ago ( age XXXX ) and now i am executor. By the end of XXXX the loan was finalized and on XX/XX/XXXX or around that time we went to the bank to sign the loan documents. The loan officer informed us of the amount of monthly payments and that the loan would have a 40 yr term for XXXX, which i thought was unusually long term for that amount. like i said previously, i assumed we had to take whatever they offered or they would foreclose. In my loan statements the monthly payment to the principle is less than {$100.00}. I think it is outrageous that they made us accept a 40 yr term. I'm planning on moving in a few months so refinancing is not an option, what i would like is to get credit to my loan for a good part of the interest ive been paying. attached are some documents. Contact me if you need any other info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mercantile Adjustment Bureau reported a collection to my credit, yet when I contacted them to dispute it, they couldn't find any collection under my social security number or past addresses. The fact that this or any collection agency can erroneously report a debt on anyone 's credit without the appropriate information is unethical.

I need this collection to be removed from my credit report immediately. I am currently on the market to purchase a home, and my credit dropped significantly due to this collection. Please help me ensure Mercantile Adjustment Bureau rectifies this matter. I, like many Americans, work very hard to keep my credit and accounts in order. We should not be placed in a situation where our credit and reputation is harmed while debt collectors continue these unfair predatory practices upon consumers such as myself.

Thank you for help and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Back on XX/XX/23 I sent a letter to equifax to dispute some items on my credit that i did not agreee with. i have yet to receive any information that my dispute has been processed and this is the second time they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased an XXXX XXXX XXXX through XXXX XXXX that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle. 

In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX. 

There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in 11 minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX. 

Subsequently, I was informed that XXXX submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX 

Ive tried to reach XXXX multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance. 

I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.

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: 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:
XX/XX/XXXX removed off of reports and closed and XX/XX/XXXX XX/XX/XXXX another complaint Several attempts have been made and this account was closed and removes and now it's back on my credit report different name complaints have been filed with cfpb and ftc for XXXX  XXXX XXXX XXXX continue to violate the law have not validate debt and still will not remove this collection debt off my report its continues to be a problem on my 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 explanation
Consumer complaint received 2023-06-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since the first of the year for 2022, I was not working. My husband is a XXXX veteran. I did not start working till XX/XX/2022 for a temp agency ( which I am currently still working for ). I contacted USAA to let them know I had just started back working and we had exhausted all our means of funding ( including 401k ) to keep our bills afloat. I called them, to see if they could lower my monthly bill. My other credit cards gave me a fixed low interest rate for a few months, to help me till things got better. A representative at USAA told me they do not help or assist until your account is 3-4 months behind in payments ( which was shocking to me ). So I paid what I could during that time, and the balance continued to rise along with the minimum due. From XX/XX/2022 to XX/XX/2022 the minimum went from {$280.00} to {$1800.00}. I asked could they remove or not bill for the interest to help, all they did was cut the late fee in half to {$25.00}. It got to the point I was over my balance by {$1000.00} or more. So my husband had to go borrow off his credit card ( they gave him cash ) to pay USAA to help me get the balance down some. When I finally got the card under control, then they raised the interest rate. So now my minimum has gone up. This is ridiculous!!! 
I just recently applied for a credit card with my bank to pay USAA off in full ( 0 % APR for 18 months of transfer balance ) the bank did not approve me for the full balance of XXXX. But someone at the bank accidently sent USAA {$1300.00}, so I called USAA to forewarn them, if they see the payment to NOT to accept it. They accepted it, which does not surprise me. My husband and I have been with USAA for yearssss. I would not recommend them to NO ONE!!! My bank is working on recouping the payment they sent in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX  claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now Experian won't even let me dispute this. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was scammed in XXXX. Wells Fargo cashed the check when they should have known it was not real. They also let me take out a cashiers check to send to the scammer when I think they should have known something funny was going on. I am on XXXX and do not have the {$4800.00} to pay back. They also took my social security check for XXXX and left me with no money although it is against the law. They still will not give me my check. I need help knowing what is going to happen to me with a debt that I can not pay and if you can help me get my check back.

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