BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I submitted CFPB complaint XXXX and received a reply with no further action other than reaching out to a debt collector, however, they are unable to answer my further questions. 

Please review complaint XXXX and then review my comments below. 

The file that was attached referenced paragraph 5 of our letter, stating that credit cards were not closed down at this time. HOWEVER the attached letter, in paragraph 5, states, and i quote : " This account closure requirement does not include, if applicable, any of your installments loans, home equity loans/lines ( or a credit card attached to a home equity line ), mortgages or IRA accounts XXXX '' The above line from paragraph 5 of the account closure template only specifies credit cards attached to a home equity line. Our credit card was a normal consumer credit card ( we didn't even own a home at this time ). 

Please re-review this letter. I have attached both the account closure letter and the recent response from CFPB complaint XXXX XXXX - The credit card showed on both of our credit reports as closed an in good standing as of XX/XX/2018. Why would this be reported as closed? Please provide an answer. If you indeed intended not to close this account at this time, why was it reporting such on our credit reports? Who closed this account? 

2 - We were under the impression this card was closed. How is it our duty to ensure that account closures are properly handled on the banks end, when the letter clearly states everything was being closed. 

3 - The letter only states a home equity credit card and not a consumer credit card. How is SunTrust ( now Truist ) able to send out this letter, stating it was closed, yet keep our card open, even though they sent the account was closed, thus allowing automated payments or potential fraud to continue charging our card for years? How are we to know that this was NOT closed, when everything we saw stated it was closed? We lost access to online banking and our credit reports showed this as closed.

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 2020-02-10
Company: EQUIFAX, INC.
State: NJ
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:
Related complaint # XXXX XXXX XXXX XXXX has replied to my complaint by stating that they will no longer report this item on my credit report. They have however notified me that it will take 60 days for the credit bureaus to update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: MD
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.

The letters are stated with items and issues.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items 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
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2022-04-20
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In the early hours of XX/XX/XXXX, I received several emails from Wells Fargo with regards to an application for opening a checking account. I did not apply to open this checking account. ( I did have a car loan through Wells Fargo that closed in either XXXX or XXXX ). 

Later that day I called Wells Fargo to report the fraudulent account and identity theft. I didn't document who I spoke to or the case number for the report, but in a subsequent call, Wells Fargo confirmed that I had called on XXXX. On my XXXX call to Wells Fargo, I do remember telling the representative that I had received these emails and that I had not applied for this check account. I was transferred to another representative who, I remember this, told me that since the account was still in the application stage, it would be cancelled ; I remember asking the representative if the fraud investigation would be sent to law enforcement authorities, and I was told that it would not be, that the investigation would be handled internally. After the call, I considered the matter closed. 

On XX/XX/XXXX, I received a statement for a Wells Fargo checking account dated XX/XX/XXXX, a month after my initial call to Wells Fargo to report the fraud. 

I called Wells Fargo the morning of XX/XX/XXXX to report the fraudulent account. The representative acknowledged the XXXX call. I was told that the account would be blocked and an investigation would be opened this time. I was transferred to another representative to discuss 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 2022-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX  and XXXX fail to properly do a thorough investigation on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have noticed an incorrect address on my report as well as reported by the bank. 

It stated that I have a previous address : XXXX XXXX XXXX XXXX XXXX, OK XXXX I do not live there and have never lived there were been a resident of Oklahoma.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: NY
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:
Upon analyzing my changes, I discovered that my personal credit file has been given inaccurate information. The Experian Credit Reporting Agency have continued to publish unverified information without giving the legal documentation that is needed under the Fair Credit Reporting Act, 15 USC Section 1681i. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following questions to be stopped : XXXX XXXX XXXX  XXXX/XXXX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2022

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 2021-09-22
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage had an escrow analysis XX/XX/XXXX based off the incorrect tax amount. I was told about this change in XX/XX/XXXX. My payment went from {$950.00} to over {$1400.00}. I went to my Controller office and they said the exemption fell off. They corrected the error and once I received the Certificate of Error I gave it to Loan Care. Ive called twice a week to have the escrow analysis update. No one is willing to help me. Ive been told no one speaks to that department not even the customer service reps. I would like for someone to resolve this conflict with XXXX and/or Loancare. I paid the agree payment of {$950.00} every month even during the entire forbearance period. This ends on XX/XX/XXXX now they are saying I am in the hole for {$10000.00} and the options they are giving me is to refinance or 2nd mortgage. They are offering this based off a false number. My taxes didnt change and the escrow analysis department refuses to make the corrections. I need someone to effectively explain to me how and why this happened.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 XXXXXXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 2023-07-29
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-08-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
What follows is a letter that I send to TD Bank back in XXXX, XXXX. I have had no response from them, and they keep adding " late '' fees to the original balance that I believe is incorrect. This is a classic example of " junk '' fees. TD Bank has reported me to credit bureaus which damaged my credit rating. I used to have a very high credit rating and now not so high. 
I received the latest statement from TD Bank on this account and the amount they want is up to {$330.00}. 
On principle, despite TD Banks credit bureau reporting or whatever else they try. I will never pay this bill because I believe it is outrageous and wrong. 




XXXX XXXX XXXX, NY XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX, GA XXXX To Whom it may concern : I am writing to complain strongly about unjust finance charges on my TD Cash Visa Signature Card and to request that you cancel them all. 

Account information : XXXX Account # : XXXX This is a problem that began on the statement covering the period XX/XX/XXXX XX/XX/XXXX. On that statement a Late Payment Fee of {$22.00} was charged. I called TD bank to ask why. I dont pay my bills late, and had mailed a check on XX/XX/XXXX which was more than enough time for it to reach TD Bank by the due date. You received my payment, total amount due of {$21.00} on XX/XX/XXXX. The late payment fee was charged on XX/XX/XXXX. The late payment fee charged was {$22.00} which was more than the amount due! I called and spoke to your representative on XX/XX/XXXX and was assured that the late payment fee would be removed we both figured that the US Mail was the culprit in taking so long to deliver my check. 

The next statement arrived covering the period XX/XX/XXXX XX/XX/XXXX. The only amount I should have been charged is {$21.00} a legitimate charge. But what do I find! 
Not only has the {$22.00} late fee from the previous month not been removed ; there is an additional late payment fee of {$36.00} assessed. So I call TD Bank again on XX/XX/XXXX, speak to a representative named XXXX, who assured me that the late payment fees would be removed. I asked why it hadnt been resolved from my first call, but she didnt know. 

Late payment fees not removed on statement of XX/XX/XXXX XX/XX/XXXX. Hmmm. 

Just received statement of XXXX XXXX XXXX, XXXX. The only amount I should owe for something I actually purchased is {$21.00}. But the amount due has risen to {$130.00}!!! 

This is outrageous! Ive also received two dunning letters, threats actually, which are enclosed for your reading pleasure. 
Bottom line. Please correct this mistaken and usurious accounting error. Im sure there was some mistake in assessing such charges. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Was not notified of investigation status or results

Complaint:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

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 2023-01-26
Company: Experian Information Solutions 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 accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX  Account number:XXXX  Account name : XXXXXXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX 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 instruction 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 2022-01-06
Company: EQUIFAX, INC.
State: FL
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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: PA
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 opened XX/XX/2016 Acct # 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 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief