BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-15
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Subject : Urgent Concerns Regarding Account Notifications and Customer Service Experience I am writing to express my dissatisfaction with the recent experiences I have had with Truist Bank, which has prompted me to bring some concerns to your attention. 

Firstly, I have been receiving multiple messages and emails from Truist regarding delinquent payments that, upon thorough verification, appear to be inaccurate. My bank, XXXX, has consistently made on-time payments as per our agreed-upon schedule. 

Secondly, the staffing levels at Truist 's customer service department seem inadequate, leading to prolonged wait times for assistance. On several occasions, I have had to endure hours of waiting to reach a customer service representative, which is highly inconvenient. 

I have a XXXX loan with Truist that I established in XXXX, with automatic payments facilitated through XXXX. Unfortunately, I have twice been falsely accused of late payments, resulting in threats of fines. Despite investing considerable time on the phone to resolve these issues, the problems persist. 

As of today, XX/XX/XXXX, I have received multiple emails and text messages indicating a default on my mortgage payment, despite my bank 's confirming that the automatic payment was issued to Truist over XXXX weeks ago. My attempts to reconcile this matter with Truist 's customer service have been met with extended wait times and, in XXXX instance, an agent hanging up on me. 

Moreover, I am troubled by the inconsistency in Truist 's notifications, receiving numerous messages about default notices. I am requesting a modification to receive only XXXX email and XXXX text message regarding my account status. 

In addition to seeking resolution for these issues, I believe compensation is warranted for the significant time lost during my waits for a Truist agent. A reasonable waiting time is typically XXXX minutes, but my cumulative wait time has exceeded XXXX hours. Given my hourly income of {$250.00}, I request compensation of {$500.00} for the time lost. 

I appreciate your prompt attention to these matters and hope for a swift resolution to ensure a more satisfactory customer experience. 

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 2023-11-25
Company: EQUIFAX, INC.
State: GA
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  has violated my rights. Or 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

Company 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 2023-12-17
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So what happened is this order was made with my account which I never did but it doesn't show up on my banking transactions so when I ask the bank to show me where this transaction is they can't provide that which is really weird and it says it's not you it's not even in my name you know this transaction so how it and there's a guarantee that this bank is supposed to replace my money if it's not made by me which I have shown multiple times that it wasn't, and I have not received my order from XXXX why is that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was unaware that the hospital was pursuing a debt that occurred over two years ago. Upon discovering this information on my credit report, I contacted the collection agency, but they were unable to provide details. Subsequently, I reached out to the hospital, only to find that they lacked coherent information as well. In an effort to clarify the situation, I obtained my medical records, which incorrectly stated that I was transferred via ambulance. In reality, I initially sought care at XXXX XXXX, but no information was collected during that visit. Unfortunately, due to the urgency of the matter, I have no recollection of that day. 

I am seeking the removal of the medical debt from my credit report based on the provisions outlined in XXXX XXXX XXXX XXXX known as the Consumer Protection for Medical Debt Collections Act. According to this bill, consumer reporting agencies are prohibited from including medical debt arising from a medically necessary procedure or other medical debt less than a year old on a consumer credit report. Additionally, those reporting medical debt must notify the consumer about these restrictions before including it on credit reports. Moreover, debt collectors are prohibited from collecting medical debt less than two years old.

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 2024-01-10
Company: Bridgecrest Acceptance Corporation
State: WA
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10
Company: CITIBANK, N.A.
State: CA
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:
When citibank sent me a new card XXXX started showing that account as being closed. When I noticed that I disputed the status with XXXX. Now XXXX is telling me that the account has been deleted from their system as per Citibanks request. I've contacted Citibank several times and I've contacted XXXX several times and they both point the finger at the other. Meanwhile I'm stuck in the middle with a credit report that's not accurate. Please help.

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 2024-01-11
Company: Sunlight Financial LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX  of XXXX  I received a notice from the loan company that services my XXXX XXXX  advising me my payment was missing. Note : the servicing company changed their address and ALL our account numbers. My payment is set on AUTOPAY through my bank so I updated the address and account number and called ( on XX/XX/XXXX ) and spoke with XXXX who advised me not to worry ; the payment would get to them eventually. She advised she would note the account and no late fees would apply. A week later I received another late notice, I called again and after speaking with a few customer service reps I insisted on a manager. I spoke with XXXX ; this was on XXXX  and again on XX/XX/XXXX. I provided them with Reference # 's Trace ID # 's and proof of payment from my bank. They acknowledge that they received my money/payment but they don't know where the money went or to which account it was applied to. Clearly it was not mine. Meanwhile my sister passed away, I have to travel out of state a week before XXXX for her services and came home with XXXX. Since I had not heard back from XXXX I was confidant the matter was resolved. Imagine my frustration when I received not one but two notices in my mail yesterday ; and yes showing late fees. I am growing weary of this and need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citibank has called me as many as 10 times in a row for money that I owe, I am working with XXXX XXXX XXXX  and have told them this and to stop calling me. 
They call me every day, all day, and leave up to 3 voicemails a day.

This has gone on for 3 months now.

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 2024-01-10
Company: Atlanticus Services Corporation
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Aspire ( credit card company ) informed me in XXXX, 2023 that they had closed my account in XX/XX/2023. I made a payment of {$350.00} and Aspire made a 50 % match payment of {$170.00} in XXXX. Despite my account being closed, Aspire continued to charge me monthly fees, late fees and an annual fee of {$49.00} in XXXX, 2023. They fraudulently charged me {$12.00} in monthly maintenance fees, and {$41.00} in monthly late fees for XXXX months. Aspire also reported those payments as late to the credit agencies. I have called numerous times to tell them they need to report the account as closed as of XXXX, and to stop fraudulently charging my account. They never have a supervisor available. All they offer is another price match, where they will match my payment with a 50 % match payment. Aspire continues to charge late fees and monthly maintenance fees. I will provide the monthly statements that prove the account was closed and they continue to charge fees that no longer apply to a closed account. I am struggling, and Aspire is illegally harming my credit score, making my struggle harder. How is this legal??? How can they continue to charge late fees and maintenance fees on a closed account? How do they get away with charging an annual fee two months after THEY closed the account??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections notice from CB1, Inc., saying I owed a debt of {$790.00} to XXXX XXXX XXXX. I have never retained XXXX XXXX for anything, not for myself, nor do I have any dependents. How they even came to get my contact information is unbeknownst to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Formal Complaint Regarding Identity Theft and Inaccurate Debt Reporting by Allied CollectionXXXX XXXX XXXX XXXX 

I am writing to file a formal complaint against Allied Collection concerning a debt associated with XXXX XXXX XXXX. The account in question has a sum of {$3400.00}, and I am disputing its validity. I do not know this account, and it is not mine. My primary concern is the impact it has on my credit report. 

Account Information : Collection Agency : Allied Collection Original Creditor : XXXX XXXX XXXX Debt Amount : {$3400.00} Background : In 2022, I filed an identity theft report with the Federal Trade Commission ( FTC ) under the reference number XXXX. This report was submitted to address fraudulent activities and unauthorized accounts opened in my name. The debt associated with XXXX XXXX XXXX is one such account, and I am formally disputing its accuracy. 

Requested Actions : Deletion from Credit Report : I request that Allied Collection promptly remove the account in question from all major credit bureausXXXX,  XXXX, and XXXX. The inaccuracies on my credit report are negatively impacting my credit score and overall financial standing. 

Verification of Debt : I ask for a thorough investigation into the validity of this debt. I have attached a copy of the identity theft report submitted to the FTC for your reference. 

Cease and Desist Communication : I request a cessation of all communication from Allied Collection related to this disputed debt. Pursuant to this request, please refrain from any further attempts to collect the debt or report it to credit bureaus. 

Enclosures : Copy of Identity Theft Report ( FTC Report Number : XXXX ) I understand the seriousness of identity theft and the importance of maintaining accurate credit information. I appreciate your prompt attention to this matter and request that Allied Collection comply with the necessary actions outlined above.

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 2023-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Previously, I filed a complaint against chase bank with the Fed Reserve Bank, because chase bank denied a corporate credit card for and under the startup program, stating, my income was below XXXX . Start up program should not require any income, then it won't be startup anymore. It appears Chase bank also took off the start up program off their website. I applied for it before than that. This is illegal. Office of Comptroller of the Currency case no is XXXX. ( FRB did nothing and transferred the case to office of the comptroller of the Currency ). Now, I found out that chase bank has manipulated the opening account records of my credit card no XXXX and the umbrella credit card account no ending in XXXX. This is very suspicious. Obviously, chase bank did that to hide the credit card accounts opening dates records for the corporate credit card, that is mentioned above. Which chase bank denied. This is suspicious and illegal activity by chase bank. Moreover, when I asked the chase bank 'when would the promotional 0.oo % APR offer would end on these two credit card accounts ending in XXXX and XXXX ''. Chase Representative said, he does not see any promotional offers. And obviously, chase bank has not been charging any interest, because there were 0.00 % APR offers on these credit cards accounts. This means chase bank has manipulated the credit card records so much, that they do not see the original records properly anymore. Chase bank did all that just to deny the corporate credit card issuance. This is illegal activity by such a large bank. Chase bank Representative told me that accounts ending in XXXX and XXXX were opened on XXXX of XXXX, XXXX. Chase bank lied. XXXX account was opened in XXXX. XXXX account was opened 4-5 months ago in XXXX. 
Chase bank needs to issue the corporate credit card, and straighten out the other credit cards account opening date records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
On XX/XX/2023 I was checking my credit and was making sure I everything was paid on time and was still on the right track. I actually noticed that its some unauthorized hard inquiries that I didnt apply for that are there. Ive sent a letter to all three bureaus and told them that these inquiries are unauthorized, they still havent removed them. I dont know what going on or if the bureaus are working or its technical difficulties. But I would like to get a fair resolution to this issue by deleting these hard inquiries.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: CT
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the 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 non-monetary relief