BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
An account was open with TRUIST BANK without my knowledge. 
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 explanation
Consumer complaint received 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I called credit bureaus and informed them their are inquiries i dont recognize would not remove without removal letter from the companys, companys could not provide info because there is no account open

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 2023-04-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My dad passed away 7 years ago, my mom 2 years ago. I was living with my mom taking care of her when she passed. For over a year I have been trying to get the mortgage changed to my name. Everytime we get a step closer the company comes up with something else I have to do but fails to get me the papers on time and has to resend them, but then does not extend the time for me to get them in. I was then told I need to make a payment on my parents mortgage which in not yet in my name but then was told I do not have to pay anything until it is in my name. I call and only 2 times in the year did they allow me to talk to someone in the dept I needed. The company is in California and I am in NY. They make it impossible to get anything done. I have no idea what to do now. I got the last of the papers in they needed to switch everything to me then they said they didnt get them, but they had the deed that was in the packet I mailed them so it doesnt make any sense. I then got the new ( same ) papers mailed out and still have not heard anything. Carrington Mortgage Services is awful and I am at my breaking point. I have XXXX XXXX both with health issues and cant afford another lawyer to help me with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/2021 I SUBMITTED A COMPLAINT WITH CONSUMER FINANCIAL PROTECTION BUREAU ABOUT CREDIT INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT THAT I HAVE NOT AUTHORIZED WITH ALL THREE CREDIT BUREAU. IT HAS BEEN OVER 30 DAYS AND THESE INQUIRIES HAVE NOT BEEN REMOVED FROM MY CREDIT REPORT. I HAVE OVER 20 HARD INQUIRIES DAMAGING MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED.

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 2022-01-18
Company: EQUIFAX, INC.
State: MD
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:
Equifax continues to report a public record and responding to letters that the information was provided by XXXX, a 3rd party data furnisher. However, XXXX does not have record of this information in their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Nationwide Recovery Systems XXXX is calling me multiple times a day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and will not tell me what it is about until I provide them my full name, SS #, date of birth, and address. I refuse to due this and they hang up. 

As I do not have anything in collections, this is harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: AL
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, Alabama XXXX Date : XX/XX/XXXX Subject : Address Update and Removal of Outdated Addresses Dear Sir/Madam, I hope this letter finds you well. I am writing to request an update to my address information in your records and to have certain outdated addresses removed from my credit report. Please find below my updated address details : New Address : XXXX XXXX XXXX XXXX, Alabama XXXX Transition Address ( if applicable ) : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX I kindly request that you update my information accordingly. Additionally, I would like to request the removal of the following outdated addresses from my credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( Date : XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 5. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Date : XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( Date : XX/XX/XXXX ) 7. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I appreciate your prompt attention to this matter and request that you make these updates to my credit report as soon as possible. If you require any further information or documentation from me to process this request, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your assistance in keeping my credit report accurate and up-to-date. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$970.00} XXXX {$1000.00} XXXX {$680.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$190.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was XXXX in XXXX when this card was opened and another was opened recently. Ive advised the company I didnt open this and it wasnt authorized by me they werent even mailed to me. I requested the addresses and application information and removal from credit reporting but they just opened another card in my name instead

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled with the company XXXX XXXX in a court hearing in the amount of {$1500.00}. It was agreed upon that if the amount agreed ( 1500.00 ) would settle the debt in full ( original amount was {$3100.00} ) if payment was received within 30 days the civil case and account would be closed. Check was received by them in XX/XX/XXXX, cashed, and applied to my original balance.I fulfilled my part of the judges order however I received a paper in mail stating that I owed the other half of the original debt amount which was not agreed upon in the court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: MS
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:
Please remove all Fraudulent accounts as I have no knowledge of any these accounts due to the XXXX data breach/identity theft. all is begin investigated by the FTC. The FPCA is intended to secure my rights to privacy has been breached. According to FCRA 605B anything that in unknown to me must immediately block it from my credit report until your investigation over so I need you to put these fraudulent/authorized inquires in dispute please or you failing to comply to the FCRA

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 2021-06-26
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX, my bank froze my accounts. There was a positive balance of {$23000.00}. 
I was locked out of my bank and all of my money until XX/XX/XXXX. I lost my home and my car. My husband died riding a bike to work, because we couldnt afford a car. 
The XXXX distributed {$4000.00} out of a {$26000.00} loan. The other {$22000.00} was blocked/denied and my loan was terminated. 
When I got control back of my bank, it had only {$2700.00} in it. 
I was told that the money in the bank went back to the original depositor. That is not true. 
My son ( just turned XXXX ) and my father got their paychecks deposited into my bank. 
They never got their money returned and neither did I. 
The depositor verified this on 4 occasions. 
I am paying money on {$12000.00} I never got, as is my son and my father. 

PNC bank has told me numerous lies about law enforcement having a hold on my money, when in fact, they did not. 
So, to sum it up. Me, my son and my father are all paying back money that PNC took from me. They didnt send it back to the depositor. They did not call to ask me any questions about my account before they cut me off of my money and took everything I held dear. There was NO correspondence from XX/XX/XXXX until XX/XX/XXXX. There should be upward of XXXX in my account. Thats just what I can count. The statements I always had online have been removed and online access has been blocked. 
One teller told me that PNC tried to return it, but it came back in XXXX and they blocked that deposit also. 
This bank destroyed my life and had an attitude while doing it. 
I have multiple recordings of them lying to me back and forth when I have called, as I recorded each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX I wrote a check # XXXX to XXXX XXXX XXXX for {$32.00} from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. 

XXXX XXXX XXXX XXXX  received a notice stating that the check had been returned unpaid because of a Warranty Breach. XXXX XXXX XXXX was charged a Return item fee of {$12.00}. Attachment 1 ( 3 pages ) XXXX I learned of the problem and wrote a replacement check # XXXX to XXXX XXXX XXXX. Attachment 2 XXXX I talked to XXXX  about the problem. They showed me that the check was never presented to XXXX, it was not bounced by XXXX, there were plenty of funds available. No one at XXXX  had ever heard of a warranty breach. My contact at XXXX was XXXX in the XXXX  MA branch. XXXX. I can provide proof of adequate funds if needed. 

XXXX Went to Bank of America at XXXX XXXX XXXX, XXXX MA. Spoke to XXXX XXXX. She did not know what a warranty breach was, and she was not willing to ask anyone else because I am not a Bank of America client, even though it was my reputation the warranty breach affected. Contact information on Attachment 1, page 3. 

XXXX XXXX  cashed the replacement check I wrote to XXXX XXXX XXXX # XXXX. Note there is no difference between check # XXXX and # 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I find it incomprehensible that your bureau has allowed this investigation to languish without any meaningful progress. It is evident that the fraudulent accounts continue to stain my credit report, causing irreparable harm to my financial standing, and yet there is a distinct lack of transparency about the reasons behind the delay. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The Fair Credit Reporting Act ( FCRA ) allows for an extension of the investigation timeline, but the lack of any response from the creditor and your bureau 's failure to provide valid reasons for the delay is nothing short of infuriating. 
XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have received no indication from the creditor that they have responded to the investigation, despite your bureau 's claim that they have. It is imperative that you provide me with a copy of the response letter from the creditor, including the date it was allegedly sent. The lack of transparency and communication in this matter is not only infuriating but also a violation of my rights as a consumer seeking resolution.

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 2023-12-27
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX opened an account in XX/XX/XXXX. The account status on my Equifax credit report is reporting as A repossession in XX/XX/XXXX. In both XX/XX/XXXX and XXXX XXXX, XXXX I have made multiple written requests for a copy of the finance contract and payment history that proves this to be a repossession and XXXX XXXX XXXX has failed to provide such evidence for more than XXXX days now. I demand to know what evidence Equifax has that allows them to lawfully report this account as a repossession. If Equifax or XXXX XXXX XXXX can not provide the evidence, then they must delete the record of the reposession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/21 I was a victim of a scam by someone posing as Chime Bank. They managed to get my log in info and changed the Name, Phone Number, Email, and log in information on my account completly locking me out. I have reach out to chime through their customer support email as their phone support allows no option to talk with a real rep. I am going on exactly 1 week without having any access to my account. I have sent about a dozen emails to chime support, and they have failed to email me back even once. I am extremely frusterated, i have no access to my money which is now probably gone .... i have recieved no help what so ever. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was purchasing a piece of equipment from XXXX XXXX XXXX. I asked XXXX to please verify that the recipient account was valid and no complaints had been filed against them before they send the wire. A few hours later I was called and told everything was good and wire was sent ( {$10000.00} XXXX. Money was wired from XXXX XXXXXXXX XXXX to Chase bank in XXXX, Nevada on XX/XX/21 - A few days later I found out that equipment was not being delivered and was given a fake wire routing number for my refund. On XX/XX/21 I had XXXX asked Chase to return the funds as we found out it was fraudulent. Chase has refused to even respond to XXXX upon several attempts. They also were unwilling to help over the phone when I called. I have basically been told too bad from XXXX and ignored totally from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is reporting to Equifax, XXXX, and XXXX a XXXX that was paid in full. 
The company is reporting XXXX, XXXX, and XXXX dates of last activity XXXX and XXXX. I have contacted this company via telephone. The company states they do not understand why Equifax, XXXX, and XXXX are reporting the outdated date. The only thing they can persist is XXXX XXXX continues to report. 

The debt last date of activity XXXX and XXXX which is well over the Federal Regulations for reporting status of seven years on my credit reports. These amounts effect my debt to income ratio.

Company response to consumer: Closed with explanation