BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is regarding BNY Mellon who holds Medicare XXXX XXXX funds for XXXX XXXX XXXX and issues monthly refund checks. The bank has made changing a mailing address extraordinarily difficult. I spoke with two representatives who told me that I could not change a mailing address unless I opened an online account, however, at the same phone number, XXXX, there is a recorded option that gives instruction for changing an address by mail. On XX/XX/XXXX, I sent a letter with all the included items listed on the recording to the exact address on the recording from the post office at zip code XXXX. The address change has not been made. I have tried to follow up on this address change, and called the phone number above today, XX/XX/XXXX. I chose option XXXX to speak to an agent and was hung up on. 

This is not the first terrible experience with this bank and changing of address and changing from mailed checks to direct deposit. All I ask is that my mailing address be changed as per the letter sent on XX/XX/XXXX and that a confirmation of this address change be sent to me promptly. I am moving and do not want anyone else receiving my banking information at BNY Mellon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Global Trust Management LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have been calling daily. They dont identify themselves. They ask me to verify my information and when I refuse because I dont even know whos calling the proceed to tell me they already have my information and then they tell me my address, date of birth and social security number and keep asking me to verify. They never say what the call is about. They have left a voicemail stating theyre from Global trust management and give me a number that does not match what global trust management has on their website. They call from various local numbers. I have asked them not to be calling my number but they yell over me and then hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent letter TransUnion Consumers Solutions removing. It has been more than 30 days and they have not done it yet. 


These are the wrong addresses : - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX Balance : {$380.00} XXXXXXXX XXXX XXXX XX/XX/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 2023-03-08
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports.

You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 company continues to manipulate my credit report but reporting false an inaccurate information on my credit report damaging my credit and my life. I send in dispute letter an proof of how they are in violation but the only thing they say an then report as the account has been verified which continues to effect my life. I have descriptions down below to show my case an for them to remove all of the inaccurate information that is reporting on my credit file.

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay things opened under my name. These fraudulent items are not mine. Please remove them from 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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2023-03-09
Company: PNC Bank N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Date of Loan financed - XX/XX/2023 Amount - {$990000.00} Check issued for payoff - {$500000.00} I got a Line of credit from PNC on XXXX XXXX  XXXX XXXX to payoff a line of credit from XXXX to which the XXXX XXXX returned the check with the reason the check issues by PNC is in excess of XXXX USD compared to my balance with XXXX XXXX ( Looks like this is an internal policy of XXXX XXXX ). 

I requested PNC to cancel the check and reissue it to XXXX XXXX with a lower amount. It is almost 15+ days and PNC has not reissued the check to XXXX XXXX. I am paying interest to both the bank for the same money, I have lost XXXX USD in this delay from PNC XXXX 

I made call 10+ times to the Loan officer and it always goes to his voicemail and emailed me 15+ times asking him to provide me some update and almost no response from the loan officer. I have not seen such a rude behavior from any loan processing officer in the past. I am just loosing money every day as paying interest to two banks for the same money. 

I really want PNC to reissue a check ASAP to XXXX XXXX so that my loan can payoff and I stop paying interest to two bank. 

I also really want PNC to perform an investigation against the loan officer for such an erratic behavior. 

I also really want PNC bank to stop charging me interest until the money is actually transferred to XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I found out that my savings account ( s ) were restricted. After waiting nearly an hour, the Synchrony Bank representative ( XXXX ) advised me that they needed an updated documentation that reflects my new address to unfreeze the account. 

That said, the only way the bank would permit inbound correspondence with the supporting documentation was via fax. In this day and age, and in the current pandemic this country is facing, no exceptions were granted - people need access to their accounts, but to risk these people to go against governor orders to go outside and fax documentation is absolutely ridiculous. Their policy inflexibility only risks further exposure and further spread of COVID-19. 

This is particularly troubling for a bank that promotes itself as a " digital '' bank.

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 2022-02-18
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:
Pursuant to XXXX XXXX XXXX, Experian has the responsibility of reporting accurate information. The following addresses listed on my consumer report are inaccurate and I tried to dispute them. Upon trying to disputes these addresses, Experian blocked my attempt noting that only the creditors can verify my the accuracy of the addresses. : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC 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 2023-12-26
Company: SYNCHRONY FINANCIAL
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. 

Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA.

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at [ your phone number ] or [ your email address ]. 

Thank you for your immediate attention to this matter.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitting this CFPB Complaint to you today in accordance with the FCRA 's rules to ask that the mentioned account, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Balance due : {$11000.00}. XXXX XXXX XXXX XXXX I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and amend this account to reflect legal accuracy.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please investigate these accounts that inaccurately portray me as late, despite my history of punctual payments.

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 2018-03-25
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I discovered a fraudulent account had been opened in my name which resulted in a collection account being posted on my credit report by a company name XXXX XXXX XXXX XXXX in the outrageous amount of {$450000.00} dollars. Just recently the balance skyrocketed from {$450000.00} to {>= $1,000,000}. I contacted several contacts within the collection agency, the original creditor posted on the account as well as the three major credit reporting agencies. I followed the steps laid out by the fax, sent debt validation letters certified mail, sent in the police report showing the identity theft etc. Long story short XXXX  deleted the item, XXXX  and experian have not, as well as they won't send me any documentation showing me how they linked this account to my report. On XX/XX/XXXX XXXX deleted the account, but re-inserted it on XX/XX/XXXX with no documentation showcasing the reason for reinsertion.

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 2022-02-18
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On the XXXX of XXXX I sent CMG mortgage a certified check for our mortgage payment. I sent it USPS certified mail with a tracking number. CMG received the payment on XXXX XXXX. I have a copy of all the paperwork. CMG claims to not have found the check and have done very little about it. They refuse to give us a direct line to call and continue to try and collect XXXX payment. We paid our mortgage for XXXX but even though there is an investigation and we have submitted all requested paperwork they have submitted claims of late payment to The credit bureau and we have late fees. Refuse to give us a timeframe for the resolution of this matter or any written or emailed document stating that they are in fact investigating it. 

We have faxed all this information to CMG and been calling regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I originally reached out to capital accounts after seeing a charge on my account with XXXX for a very large, false amount that had never been reported to me by the collection agency or school themselves. I told them the debt was invalid with no supporting documentation with no help I went to the XXXX  of Virginia Department of Higher Education and they found that the school did not have any documents holding me financially responsible for this debt and ruled that i was not responsible. It was in fact invalid, it was noted XXXX did not take the proper steps and was at fault. Fast forward to now Capital accounts still refuses to take the account off and the school is not cooperating with me either despite what the director told higher education, me and supporting documentation. They are hanging up on my face, refusing to allow me to talk to management higher up positions, my calls are continuously " dropping '' despite being very polite, respectful, calm and showing all proper documentation. They are claiming to wait on the action of the school but the school is claiming to be waiting on them it is a entire run around. the main deal is the amount is not supposed to be on the and needs to be removed expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX D.O.B XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian, I am writing to dispute the following items on my credit report and would like swift action to be taken immediately. 

I have noticed that you have several addresses reported on my credit report. This a violation according to the fair credit reporting act. I live at XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX. All other addresses shown are incorrect as I DO NOT LIVE at any of those addresses. I demand that you update my file to show only ONE address which is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX. 

Yours truly, 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 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint is against Truist. 

OVERVIEW : I'm locked out of my online account. I have no access to over $ XXXX of funds, can't issue payments, and no longer have an active debit card. 

RESOLUTION ATTEMPTS : I have spent over 10 hours on hold with Truist. The few times I've managed to speak with an XXXX  call center agent, they inform me that my issue needs to be handled by a 'specialist ' and ask if I'll go back to waiting on hold. 100 % of the time they place me back on hold the call is disconnected within 5 minutes. 

I've left dozens of voicemails and contacted Truist on every social media platform that I can. No luck. 

I stopped in 2 Truist locations and asked for assistance. All Truist employees told me that I have to call in to speak with a fraud specialist that can assist in unlocking my account. 

At one point, I told the Truist manager that I want to close my accounts and she told that I couldn't close them because the person who has authority to close accounts had gone home for the day ( this was XXXX on a Friday ). 

At this point I'm desperate for help. I have bills that were tied to my Suntrust check card that are not bouncing back. I can't withdraw money and I can't initiate online transfers. 

The only FRAUD here is TRUIST!

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