BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
its been 90 days since I ordered furniture on my debit card and the company never responded to my inquiries and never sold me the furniture that I spent well over {$2500.00} on. bbt has yet to refund me for these fraudulent transactions and its been well over 30 days since I filed a dispute. bbt has also blocked me from being able to call customer service saying I entered an incorrect code which I have absolutely no knowledge off so I cant even check on the status of my claim. I went to the branch and ofcourse she didnt speak XXXX well or at least pretended not too. BBT is always moving my transactions around, and changing the amounts of my transactions, which is illegal. I want my money back and my account fully audited

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
It has come to my attention that, although I have written several letters, asking for validation of that, audit trail, I am not getting any responses because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report, as it is in violation of the federal Constitutional laws.

15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1692 15 USC 1601 I am rich, I am afraid the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality and respect for the consumers privacy. I did not give consent to these accounts be published they did not have my permissible purpose.

I have remained, how old is by the dress abuse in harms that the three credit reporting agencies have done to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: Aspen Yo LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a third or more of attempts to have my problems/issues resolve with Gregory Funding. 
I am not able to make online payments. 
I am aware of the pandemic and limitations to having people working as before, but I am not getting a response from the mortgage company XXXX Gregory Funding XXXX within a reasonable time. 
Erroneously my XXXX 's 2020 mortgage payment was applied to the XXXX 's 2020 payment by Gregory Funding, when I had already made the XX/XX/2020 to the previous mortgage company XXXX XXXX XXXX. As stated on Gregory Funding 's letter, payments on the account should be forwarded to them as on XX/XX/2020, but the letter is dated XX/XX/2020 which came after the XXXX 's payment was already submitted to the XXXX company. Gregory Funding should have not applied the XXXX 's payment towards the XXXX 's and afterwards say that I am/was behind my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: MI
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 have contacted the court where they are saying its verified through. the court states they do not report any activity to the credit bureaus. so therefore this is not reporting a 100 % accurate. I have filed a dispute with them multiple times but they. keep saying its not coming from me. PLEASE DELETE THESE bankruptcies FROM MY CREDIT REPORT AS IT IS EFFECTING ME ON GET A NEW HOME. XXXX  XXXX AND XXXX XXXX bankruptcy NEEDS TO BE DELTED OR I WILL SEEK LEGAL AND SUE YOU FOR DISREGARDING MY CONCERS. XXXX DOLLARS PER VIOLATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions 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 check my credit. I notice that they where inaccurate Accounts on my credit

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 2021-05-06
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax sent a notification to the cfpb about a ongoing investigation. Investigation took over 30 days and all they did was put a remark on the illegal collection account. I was balance billed by The XXXX XXXX XXXX and it was sent to XXXX XXXX and reprted to equifax as derogatory. 
Balance billing is illegal in pennsylvania. As i am on the federal XXXX and state XXXX program. Please delte off of credit report under state law if crpb can not be apart of this please refer complaint to the appropriate state or federal authority rather then close the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: WA
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:
Wrong reports on credit report with all credit bureau. Wrong amounts, fraud, shared information without consent.

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 2021-11-01
Company: ERC
State: CT
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In Spring of XXXX I attempted to rehab my student loans with Navient solutions. Additionally, I attempted to remove my husbands name from the loans. I was told if I made a couple of months of payments my loans would be rehabbed and my husbands name removed from the 1 loan. I began making the payments and payments did AND STILL DO show on my husband 's credit report. Then in XXXX of XXXX, my payments were returned to me, and my husband 's loan went suddenly into default. When I tried calling, nobody had any information for me, the DoE showed I didnt owe any federal loans and Neither did Navient. At least thats what I was told at the time. My husband attempted for 2 years to get information on the loan with his name on it and is finally working to resolve that loan. In late XXXX I received notice my wages were being garnished to repay the loan and allowed it to continue. At no time did this show as a default on my credit report so I was under the assumption the repayment was on a loan NOT in default. Fast forward XXXX, due to covid 19 my payments were suspended by law, still no indication on my credit report that my loan was in default. Having fixed or settled all other student loans, I applied for a FHA loan and only then does this debt show as a default on the XXXX XXXX. When I tried to contact Navient they were even unable to provide me an account number, my payment ampunt or how to pay it. I was left with a loan I was unable to pay due to Navients confusing, false, or lack of communication. It was placed in default which was a huge mark against me and I was not afforded any way to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The XXXX data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to XXXX 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX, right?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: The Thomas Agency, Inc.
State: NH
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 taken to XXXX Hospital in XXXX of 2016 for a emergency, I had government issued health insurance which covered my medical bills 100 %. After a few months I started getting bills from the hospital saying I owed XXXX from the hospital. I tried many times calling in my insurance information to the hospital for them to send to the insurance, they did not put it through to my insurance but instead kept harassing me with bills again. I once again called in my information to the hospital. The hospital charges are broke down into each department that treats you. Every department put my bill through to my insurance all except XXXX themselves. Now they have sent it too collections. I have tried to dispute it through XXXX but they denied me even though I gave them all the information. XXXX Hospital has to have my insurance on file because I was seen in their emergency room in XX/XX/2016 for a XXXX XXXX, that lead to XXXX in XXXX for a XXXX XXXX that was covered XXXX by my insurance.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-28
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2020, I identified several discrepancies with 10 accounts that appear to be duplicated and listed under RMP Services LLC. I requested a validation on XX/XX/2020 as these medical accounts if correct and not duplicated have been paid for by my insurance. Credit report was reviewed again on XX/XX/2020 and the accounts are still reflecting on my report and I sent a 2nd follow up letter requesting validation for the debt. Finally, on XX/XX/2020 I reviewed my credit report again and there have been no changes with the discrepant accounts still reflecting on my report and I believe that they are trying to collect on accounts that have been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on these accounts. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that all 10 accounts are not duplicated and were not paid for in full by my insurance and that all information is correct and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX a family member sent me {$200.00} to my paypal account to for help at this time. I have been out of work since XXXX and have not received any unemployment benefits. I have no source of income. I was sent this money to purchase medicine, do laundry, purchase cleaning supplies, put gas in the car and pay some bills. 
Pay pal immediately released {$50.00}. I called XX/XX/XXXX at XXXX XX/XX/XXXX and asked why my funds are pending. The representative said it's normal when paypal see 's unexpected activity. The representative said the funds should be released by XXXX. At XXXX XX/XX/XXXX Pay pal released another {$50.00}. There is still {$100.00} pending. It is not XXXX and the {$100.00} is still pending. The representative had no resources to offer to verify my identity to help release the pending transfer. And now that I have already complained no one is answering. The recording says they are busy and not able to help at this time. And no one answers online message center. 

Transaction ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX  Open/closed Date opened : XX/XX/XXXX My rights were violated by company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company was misleading to new consumers and being dishonest on their scheme of obtaining new customers to purchase vehicles. It wasn't ' until it was time for me to make my first payment when I realized I was deceived. The payment that they told me I would pay in office was different from the amount the finance company XXXX XXXX XXXX sent to me through the customer portal. Upon learning of this information I immediately tried to get out of the car. I was sold a XXXX XXXX XXXX but could not afford the payments, but the payment that they went over in the office with me was affordable. The finance guy with XXXX XXXX originally told me that my payments would be XXXX XXXX XXXX but XXXX XXXX showed that my payments were over XXXX XXXX XXXX. I went to talk to the owner because I knew that I was conned .I also made the finance company XXXX  XXXX XXXX XXXX the dishonest process, but they just blew me off. They had recollection that XXXX XXXX was doing this to several other customers because they had been business partners for several years. It was in XXXX of XXXX when I asked XXXX XXXX to come pick up this vehicle as doing a XXXX XXXX because the payments were unaffordable. The car sat at XXXX XXXX where the car was purchased from until the middle of XXXX XXXX XXXX XXXX XXXX didn't pick up the car until then so that they could report missing payments on my credit report. XXXX XXXX had continued selling cars until they went out of business in XXXX. I am glad that this company has went out of business, so that they won't be able to make anyone else life a nightmare as they have done mine. They're had been several complaints against XXXX XXXX prior to their closing for the lack of honestly, creating false and inaccurate documents with several customers. I have been a victim of a company who obtained business with misleading, dishonest and criminal intentions. 

I am asking for this account to be removed permanently from my credit report. This is still negatively impacting my ability to improve my credit to a higher score in hopes of being able to one day purchase a home and buy a brand new car. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Credit inquiries on your report that you don't recognize

Complaint:
i have sent in dispute letters to all 3 bureaus for 5 months now and no changes and no replies. There are inquires that are on my credit and I have no knowledge of them. i have asked for proof and got nothing

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 2023-03-04
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is illegally trying to collect a debt. XXXX XXXX already removed from credit profile due to identity theft, this will be removed or will file lawsuit against collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: NV
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:
I, the consumer sent all 3 credit bureaus Equifax, XXXX, and XXXX  a removal letter through certified mail. The dispute letters were sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent all 3 letters with a green return receipt and only two of those corporations have signed saying they received them. Under federal law, these corporations have violated me as a consumer. XXXX, Equifax, and XXXX  's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but the corporation. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a accordance with the fair credit reporting act XXXX  account 's that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 


15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance : {$350.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX  XXXX ) XXXX {$1000.00} XXXX  XXXX  ( Original Creditor : 06 XXXX  ) XXXX Balance : {$490.00} XXXX XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$25.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$25.00} XXXX XXXX Balance : {$1000.00} XXXX/XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020

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