BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, we ( XXXX  XXXX XXXX ) received a check from our customer and made a deposit onto our bank ( BB & T ) account with the correct checking account number on the endorsement at a Washington DC BB & T branch ( Mailcode : XXXX - Address : XXXX XXXX  XXXX XXXX XXXX, Washington, DC XXXX ). 

After the annual reconciliation, we found out that the check we deposited was not properly credited onto our BB & T Checking account. So we contacted our customer to send us a copy of the cancelled check, which later we received. With the image of cancelled check, we checked our BB & T Washington DC branch, the same branch where we made the deposit. However, Ms. XXXX XXXX XXXX ( Branch Banker Team Leader II ) said, because they destroyed the original deposited check after 45 days, they couldn't not help us. 

Since it's due to their error ( possibly credit to a different account ) and it's all digital, we don't understand why our BB & T couldn't further investigate and made a corrective actions.

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 2022-07-17
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 accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX XXXX. XXXX. XXXX XXXX XXXX services # XXXX XXXX XXXX # XXXX And XXXX XXXX XXXX have violated my rights 15 US C 1681 section 602A States that I have the right to privacy. 
15 US C 1681 section 604 a section until I saw XXXX XXXX reporting agency cant furnish an account without my written instructions Not only do these accounts and I belong to me, but Experian XXXX XXXX and XXXX are violating my rights, along with these other companies above. Above I plan on being involved with a multi XXXX dollar legal class action lawsuit because of this, it has caused me a lot of trauma and grief!

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 2019-08-29
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: Account status incorrect

Complaint:
Regarding XXXX XXXX XXXX credit cards XXXX and XXXX, today, Experian responded to a dispute that the result changed nothing ... and Experian REFUSED TO REINVESTIGATE.The nature of the dispute was that the closed account XXXX was reporting open when it is closed. 
and the open account XXXX is reporting closed.THE EXPERIAN investigation did not change the incorrect status. 
I don't really care if the creditor or the bureau is at fault, I want accurate reporting and that's all. 
Tonite, because of the misreporting I have closed XXXX. 
I want no further connection to incompetence in financial matters.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail

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 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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

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 2023-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
City of XXXX payment history shows in collections as of XX/XX/XXXX, however it was paid in full on XX/XX/XXXX. I request experian remove this negative potential payment history from my credit report, and made corrections. 

I also have attached documents from city of XXXX saying that this account was paid in full on XXXX XXXX. Therefore it shouldnt show as in collection for XXXX in payment history

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 2019-08-29
Company: EQUIFAX, INC.
State: CT
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 a XXXX XXXX XXXX taking XXXX courses a semester while working a 40 hour week job. I Iost my job and could not pay my XXXX XXXX credit card ( {$2000.00} XXXX. A few months later after I was situated at a new job, I received a letter for the option to pay a lump sum of {$1400.00} in order to " settle '' my account. I paid this lump sum with the entirety of my paycheck ( s ) in the course of just two weeks! XXXX from the credit card department assisted me in taking these payments. 

I called back to confirm everything was done and I would no longer be harassed by their credit department, was told I was good to go. Of course that was not the case, not only was I still harassed, my credit report showed that just two months later, this account was " Charged off as bad credit '' as opposed to " settled '' ( XXXX ). I made a complaint and nothing happened. I also noticed the balance of the account was not XXXX, but $ 800< ( The amount not paid in the settlement ). Every month it grew higher, it's as if they lied and just took the lump sum and wanted me to pay the rest! 

I called back XXXX XXXX and was now greeted with a XXXX XXXX   named XXXX ( XXXX ext XXXX ), who kept hanging up on me after treating me like a criminal. I reported him to his boss with a recording of the phone call that received over 50 angry comments on XXXX, he did not return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by XXXX to Freedom Mortgage and in spite of my numerous communications with Freedom, I have not received complete and accurate loan ownership transfer notice.

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 2022-07-16
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to terminate my monthly membership with XXXX XXXX after only going to their location ONCE in XX/XX/2021, but was unable to get in touch with anyone, or perform any processes online that allowed me to do so. 

They continued to keep fraudulently charging an expired XXXX card, I had to issue a stop-payment order to even get them to stop, as they had already charged several hundred dollars to my account without my knowledge. 

I attempted to call their phone lines dozens of times, waiting on hold for hours before being disconnected. I was never able to get in touch with any people to resolve anything. 

In addition to this, I never received any notice in the mail from anyone about any attempts to collect debt ( illegitimate or not ). I never provided my social security number to XXXX XXXX, nor did I authorize them to continue charging me for a service I was no longer using, and had long cancelled via my cardholder 's stop-payment order. 

Suddenly, a mark appeared on my credit report, which is detrimental for me as I am due to purchase a car soon, which is how I found out about this. I never received any notice in the mail of any kind informing me of an impending collections action, nor any phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$920.00}, XXXX, XXXX  XXXX Balance : {$120.00}, XXXX XXXX XXXX  XXXX Balance : {$18000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : 1. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC 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 2021-04-07
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX sent me a statement for a credit card I never applied for, I never received, I never activated, and I never used. The statement included an annual fee and a missed payment fee ( for the annual fee ). There were no actual charges for purchases on the account. 

I called XXXX XXXX XXXX  and explained that I did not apply for this credit card, I did not receive this credit card, I did not activate this credit card, and I did not use this credit card. They informed me, their credit cards come activated, so no activation is needed. They said, that since I did not apply for the credit card, I did not receive it, and I did not use it, they were reversing the annual fee and missed payment fee, then closing the account for the credit card. Which they did do. 

The issue is : they left the missed payment on my credit report, even though I did not miss a payment. I did not apply for the credit card. I did not receive the credit card. I did not activate the credit card. I certainly did not use the credit card. 

I called XXXX XXXX XXXX, again, to have them remove this from my credit report. They told me to dispute it with the credit reporting agency. I disputed it with Experian, which is the reporting agency I know it's reported on. Experian said that XXXX XXXX XXXX  confirmed that the credit report is correct, so the credit report will remain unchanged. 

The report is not correct, as it was a fraudulent account, likely setup by XXXX XXXX XXXX  themselves, which is likely why it's the ONLY non-store ( real ) credit card I have ever heard of not requiring the credit card to be activated upon receipt! 

Since I did not apply for this credit card, I did not receive the credit card, I did not activate the credit card, I did not use the credit card, and they quickly reversed the fees associated with the credit card, because they knew it was not authorized by me, it should not be on my credit 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Account status incorrect

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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 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 no more than seven years.

4. 15 USC 1681 S-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 in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, SS XXXX I am looking over my credit report and I found addresses that do not belong to me that need to be deleted from my credit report. Please delete remove the following unknown addresses from my file : XXXX XXXX XXXX XXXX XXXX XXXX  TX,XXXX XXXX XXXX  XXXX XXXXTX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX,XXXX XXXX XXXX XXXX XXXX TX,XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The following phone numbers do not belong to me please delete them : 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 My name is XXXX XXXX XXXX please delete any other variation of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, SS XXXX I am looking over my credit report and I found addresses that do not belong to me that need to be deleted from my credit report. Please delete remove the following unknown addresses from my file : XXXX XXXX  XXXX XXXX XXXX XXXX  TX,XXXX  XXXX XXXX  XXXX XXXXTX , XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX,XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The following phone numbers do not belong to me please delete them : 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 My name is XXXX XXXX XXXX please delete any other variation of my name.

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 2019-04-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a vehicle in XXXX  and recently moved to XXXX. I returned the vehicle early to a dealership in XXXX. I was advised by a XXXX dealership that I could return the car and pay the remainder of the loan off and the disposition fee. I then received a bill for the entire buy out of the vehicle. I called and XXXX  XXXX told me I broke my lease and that they sold my vehicle at auction. I satisfied my lease payments and the are still trying to charge me $ XXXX for the vehicle. I should be protected by the state of XXXX because thats where my contract was signed. XXXX XXXX called me 2 weeks ago and said it was resolved and they where pending processing on their ends. They then called back and said no they decided its not resolved and that will not overturn it and that I will still owe the money. They refuse to give me any documentation and when I asked they told me I need a subpoena. I have paid all the lease payments, they have my vehicle, and they are now going back on their decision to resolve it. Since the contract was bound in XXXX I should only be responsible for the disposition fee as I have satisfied my contract. According to the XXXX Attorney General website I should only have to pay the disposition fee.

Company response to consumer: Closed with explanation