BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: TRUIST FINANCIAL CORPORATION
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:
Reflecting lates on credit report. 

In compliance with the fair credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602, states I have a right to privacy 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditorI 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 2022-04-29
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: Personal information incorrect

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank Calls from different numbers repeatedly I will do a request for each # separately here are Dates and times for the XXXX phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That's 8 calls in a 3 day period. Other numbers called on same days different times I will report those as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a XXXX XXXX and my case was dismissed .My family was affected by XXXX XXXX, I lost my job. I requested forbearance was ignored. I requested loan modification. All applications were marked received but the company would never comply with my request for my FHA loan. I even got an approval letter had it notarized and sent back for processing and was told my application was denied because a middle initial was left off a signature page. We quickly redid the entire application paid the notary fee again and the mortgage company replied a week later saying they received an email from my former attorney that said we wanted to cancel our request. The lender would not supply a copy of the letter/correspondence and said there were no relationship managers available to assist me for 30 days. With a day of this phone call I began receiving a letter per day, one application, two rights and responsibilities, 3 statement, 4 preforeclosure letter. No one will return my call or work with me on my FHA loan. I even sent the full amount of 5 months and my payment was returned. I also saw my final bankruptcy payment is listed on my statement and said unapplied. This loan servicer is not willing to comply or accept any terms established to help save homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I want my statements and documents in XXXX. TD Bank and Target store have indicated they can not. This is against ADA Compliance requirements and even if it is not specifically, I ask these 2 companies, should they? The specialist who tried to assist was actually very nice and in her way tried to assist by informing me I could use my XXXX or XXXX to listen to my statement like her ex boyfriend who went XXXX 3 years ago. She tried her best to assist, and not her fault. There is NO ADA Compliance controls at these 2 Firms and it seems XXXX or people who lack certain abilities, are in a tough spot. I have always admired Target and TD Bank, and it is unfortunate we are dealing with this situation this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XXXX i reached out to all 3 credit bureaus in regards to 2 frau accounts that do not belong on my files. They are a result from identity theft/fraud. per 15 usc 1681b you all are breaking the law. I did not authorize anyone to furnish this information, let alone FALSE INFORMATION AT THAT! This matter must be resolved properly and quickly because they are hindering me from getting my home. I should not have to suffer for accounts that do not belong to me and accounts that i did nit personally authorize myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

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

Company public response: Company 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 2023-07-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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 fraudulent TOYOTA MOTORS account doesn't belong to me. I've been disputing it for over a year but XXXX and XXXX refuse to comply. They haven't provided any documentation validating this account. All they do is send me automated validation letters without merit. It's causing me great anguish, XXXX and XXXX thoughts. I've been denied approval for a home because of this account. Please remove immediately once and for all!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian refuses to do a proper investigation on records that they have incorrect on my credit file. I have reached out to the courts and the courts stated they don't report to any credit bureaus or any 3rd party agencies. The information that Experian is reporting and refusing to remove or investigate is incorrect, and Experian refuses to send me any documents of their 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 explanation
Consumer complaint received 2023-10-08
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX of 2023 I requested an increase on my Discover credit card. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : 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 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 explanation
Consumer complaint received 2023-10-22
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:
Subject : Request for Removal of Transactions from Consumer Report as per FCRA Dear Sir ( s ), I hope this letter finds you well. I am writing to formally request the removal of particular transactions from my consumer report, as outlined by the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And 15 USC 6802 B ( 1 ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Below is/are the details of the transaction ( XXXX ) I demand be excluded from my consumer report : XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX I believe that these specific transactions should not have been reported on my consumer report, and it is my understanding that the FCRA empowers me to request that these transactions be removed because I was never contacted by your organization to inform me that you may disclose non personal private information to a non affiliated third party, also transactions between the consumer and the person making the report is to be excluded from my consumer report, regardless of its validity. 
According to 15 USC 1681, consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution and the correction of my consumer report. 

Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America sent me a letter last week stating that they will be closing down all my accounts. 
This is outrageous I have been a customer of the bank for over 5 years and have never been involved in any form of shady transaction I need full explanation as to how 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. The reason each reporting agency keeps reporting the information is due to the financial gain. Transunion, XXXX, and XXXX are monetizing my consumer report but will not provide an accounting record of the consumer account history to verify. 

The reason they will not remove the inaccurate information is due to the financial gain which makes the decision biased. This inaccurate information is adversely effecting my consumer report. 

TransUnion Commission file number XXXX XXXX XXXX Commission File Number XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: NC
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:
Hello, I have changed my bank and have a new card. I can not add my new card to my old credit card account. It alway comes back with a problem and now I cant even add it. I hope that this makes sense. I can not even start making my payments because of this. I have tried to put in my other account about 4 times now. And I cant go to the bank because I week at night and I am only off on Sundays and sometimes Saturday.

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 2019-09-11
Company: Sterling Infosystems Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Ive been on at least eight jobs interviews that continues to background check me and lie to me about why they not hiring me and one is XXXX through this background check company called sterling talent solutions who Ive disputed the proper way in correcting what they thought might been or seen as a new XXXX and I have not committed a XXXX since XX/XX/2010 and I explain this to everyone and explain their dates and errors of judgment showing XXXX violations which is not a XXXX and shows 90 days XXXX XXXX a XXXX is over a year and they didnt hire me nor contact me back acts of discrimination against me cause Im on XXXX XXXX from a XXXX XXXX I was XXXX years old.this is blocking me from work anywhere they wont say it but thats what they see cause Im a civil rights activist and I know if you didnt commit a felony in the last 3 to 7 years you should be hired well Im not XXXX twice XXXX XXXX XXXX XXXX XXXX all these companies and I know XXXX has over 50,000 thousand workers with XXXX to judge me with fair chance or any equal opportunities.thank you please help me address this issue and fight back against it.

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 2023-12-11
Company: Support Collectors, Inc.
State: IN
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
there is a collection on my credit report from Summit Account Resolution for {$12.00}, XXXX from a Apartment Complex in MN. I do not have any family member in MN nor live there. I currently am a home owner in XXXX, XXXX. Someone has used my information at a apartment complex.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/2023 I tried to get a cash advance from my credit card using an atm machine. The transaction was declined and stated unauthorized request. I didnt thin anything of it until I saw the amount withdrawn from my account in the coming days. I disputed the amount with my bank, and thought it was all taken care of and then saw the charge reappear several weeks later. They said the atm. XXXX  provided proof that the amount was delivered : I have yet to see any proof and I know that the amount was not dispensed as I never received the cash. Ive tried to call the bank on several occasions but each time I am told a new reason why I cant be helped.

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: 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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer

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 2023-10-07
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received any unauthorized charge on my XXXX XXXX checking account of {$20.00} Cash APP. I filed a report weeks ago and they just closed it with no response so Im filing again because this company aides and abets crimes by allowing fraud and identity theft. In addition, if you do your research XXXX XXXX  use this platform in which they promote blackmail and exploitation and they receive the money through this app. When you report the profiles nothing ever happens. They never call you either. Its run by an automated robot so when they respond to this complaint itll be the same ole response about calling an automated robot on the phone in which they never solve the problem. This company needs to be investigated by the police. I want my money back because I refuse to let people fraud me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXXXXX Account # 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 non-monetary relief