BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Within the FCRA, I have compiled a list that these accounts go against. 
15 U.S.C 1681 section 602 A. States I have a right to privacy. 
15 U.S.C 1681 section 604 A. States that a consumer reporting agency can not furnish a account without my written consent. 
15 U.S.C 1681c. ( A ) ( 5 ) This section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other 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. 

These inaccuracies are stopping me from getting a new car or even applying for a mortgage for my family. 
Thank you in advance!

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 2023-07-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive identified information on on my personal credit report. these accounts and transaction does NOT belong to me. The credit bureau nor the collection agency are responding to me about this debt. Ive sent countless dispute letters and all they keep doing is updating the debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage with Suntrust Bank was sold off to another company in XXXX this year. I am trying top refinance but the data Suntrust supplied to the credit reporting agencies was missing or not complete. I called Suntrust weeks ago and asked for a 5 year record of my payments on my mortgage ( #  XXXX ) and was told they would only mail it. It's been a couple weeks and I have received nothing. I aske if the could email it but that wasn't an option. This is holding up my loan application.

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 2022-10-20
Company: Experian Information Solutions 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:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2019-10-15
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/XXXX, I brought my vehicle, it was stated to me that I'll be able to refinance my vehicle within one to two years. XX/XX/XXXX and XX/XX/XXXX, I spoke with a representative from Exeter Finance stating when I'm ready to refinance my vehicle that I can do so with them. I was guaranteed on three separate occasions that I'll be able to refinance my vehicle. In XX/XX/XXXX, I was trying to refinance my vehicle, I spoke with a representative and I was told that I'm not able to refinance my car. I called back again just to verified that I heard correctly, I was told that Exeter Finance DOES NOT refinance vehicles. At this point, I realized that I was fooled by the dealership and by Exeter Finance, I asked this question several times. From this point on, I researched several different financial institutions and all of them denied me of refinancing my vehicle, I've never missed a payment and now I stuck paying a 26 % interest rate that I still owe {$6500.00}. Exeter Finance was very dishonest and they refused to decrease my interest rate despite that I haven't missed not one payment and I was told several times in XX/XX/XXXX, that I'll be able to refinance my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: The CMI Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a derogatory mark on my credit reports/files that was reported by Credit Management , LP. It is apprently for a XXXX bill of {$240.00} dollars, which I already contacted XXXX about when I originally received the bill. I haven't had XXXX since XXXX of XXXX, as I moved to Missouri in XXXX of the same year. The service was scheduled to be suspended the day of the move, and all equipment was returned on our way out of state. As I stated, I received a bill from XXXX shortly after I moved at my new address, in which I contacted them right away. They said it was for unreturned equpment, which I was able to confirm on the phone that all equipment was, in fact, returned on XX/XX/. I'm not quite sure why the alleged bill ( to which there is no merit ), would be sold to a debt collector. Furthermore, to this date, I have not received anything in writing from XXXX XXXX stating that they are a debt collector and they are entitled to this money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: SUNTRUST BANKS, INC.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage with Suntrust Mortgage a few years ago. During that refinance, we signed that we would be required to cover Private Mortgage Insurance until our loan reached XXXX % loan-to-value. We were also told an early termination of the PMI would be considered if we were in good standing with payments. 
We are now at XXXX % loan-to-value after making more than the minimum payment every single month since the start of the loan. We sent a letter as instructed to request the PMI be removed. We received a letter back saying we would need a new appraisal to remove the insurance. When I called to question, not only was there no one in the PMI department to speak with me, but I was also told that when my loan-to-value reached the agreed XXXX %, I would need to send yet another letter requesting removal. If I do n't send the letter, it wo n't be removed until XXXX %. This is not what the contract agreed to. If they can carefully monitor every payment I make, they can monitor when I 'm at XXXX % LTV to remove the PMI. Crooked!

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 2023-07-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I received 6 calls from CHASE BANK while working a shift. 5 of the calls I ignored around XXXX pm. The 6th call around XXXX PM I answered simply by being annoyed and assuming it was something important. The female caller introduces herself as CHASE BANK, the same as it showed on the caller ID. She then stated that there was a charge that was being made on my account in XXXX Arizona and they wanted to verify if it was me. I responded with a no, but it's believable because I just traveled from XXXX XXXX two weeks before I got the call. She proceeded to verify my name and address to gain my trust. The female caller then suggested a PIN reset to protect my account. Before the reset, she texted me a six digit code to verify it was me. The message popped up at the top of my phone. I read what popped up & provided it to the representative. I did not read the text in its entirety because again, I was busy at work. The representative then thanked me for the verification and then stated, " In order to do the PIN reset I need you to verify your current one. '' I verified, not thinking too much into it because my physical card was on me. She then provided me a new PIN and closed the call by saying, " Thank you for being the best part of CHASE, have a great day. '' Around XXXX that same day my account was emptied, which was a total amount of XXXX dollars. I called Chase THAT SAME DAY to report the scam. The case was open for two weeks and then CHASE credit the funds to my account. A week later. on XX/XX/XXXX, the credit was reversed and CHASE simply said ... " We wouldn't call and ask for your information. So since you gave them your PIN we denied the claim. '' They directed me to police department for a police report. I faxed CHASE a copy of the police report and printed out a copy of all 6 phone calls I received on my phone from a CHASE bank number. The bank still refused to credit the funds despite having a " zero liability protection '' for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX XXXX {$0.00}

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 2021-03-01
Company: DISCOVER BANK
State: NJ
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 found XXXX hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXXXXXX Discover XXXX. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and discover, they can not find the inquires and no XXXX will answer at XXXX XXXX XXXX XXXX  XXXX is sending me a letter with the information to call the company but I did not open any new accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX : Fraudulent check for {$4400.00} was cashed by an individual ( criminal ). He altered my check to XXXX to him personally and altered the amount from {$400.00} to {$4400.00}. My bank was Suntrust ( Truist ) and depository bank was XXXX XXXX XXXX ( XXXX XXXX XXXX ). Police report was filed. 

XX/XX/XXXX : Fraud identified from Truist statement, confirmed by check copy, and bank was notified of fraud. Bank teller printed check for review and agreed check was visibly fraudulent and bank manager was informed and agreed the check was visibly fraudulent, with obvious white outs and overwriting. 

XX/XX/XXXX : Bank called me once to request additional information. Phone number not recognized and call not heard. 
XX/XX/XXXX-XX/XX/XXXX : Ongoing contacts with Truist bank employees. 

XX/XX/XXXX-XX/XX/XXXX : Affidavit requested and returned. 

XX/XX/XXXX : XXXX XXXX XXXX notifies Truist of denied claim. XXXX XXXX XXXX states bank is not liable as bank was not notified of the alteration within 30 calendar days from the date the bank makes the statement on which the error first appeared available to you. 
XX/XX/XXXX : Truist notifies me of claim denial. Denial referencedXX/XX/XXXX denial for failure to notify the bank within 30 calendar days from discovery. Truist denial is unfair and abusive and justifies regulatory review, as the bank was not providing quality and service by administering the claim in a negligent manner that harmed the consumer. 

XX/XX/XXXX : Letter to Chief Legal Officer requesting payment. XXXX XXXX, XXXX : Claim denied. XXXX XXXX email to CLO, XXXX XXXX denied, follow up denied XXXX XXXX. XXXX XXXX, XXXX attorney letter to Chief Legal Officer requesting payment, XX/XX/XXXX XXXX claim denied.

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX I XXXX Balance Owed : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance {$660.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$70.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Westlake Services, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial regarding their failure to delete delinquency from my credit report, as well as their involvement in dealer fraud that has had a negative impact on my credit and financial situation. 

In XX/XX/2022, I reached an agreement with Westlake Financial to pay off an account in return for the deletion of a delinquency from my credit report. This delinquency was preventing me from obtaining a student loan, and I agreed to pay the account in full based on their assurance that the delinquency would be removed from my credit report. 

However, despite fulfilling my end of the agreement and paying off the account as agreed, Westlake Financial has failed to delete the delinquency from my credit report. This has caused significant harm to my credit profile and has continued to impact my ability to obtain a student loan, which has had a detrimental effect on my educational pursuits. 

Furthermore, I recently discovered that the vehicle associated with the delinquency was sold to me with dealer fraud involved. At the time of purchase, the dealer misrepresented the mileage of the vehicle, reducing it from XXXX miles to XXXX miles, and failed to disclose that the title was a rebuild title. Westlake Financial was aware of this fraud, but failed to disclose this critical information to me, resulting in financial loss and potential legal implications. 

I have attempted to resolve this issue with Westlake Financial directly, but they have been unresponsive and have failed to take appropriate action to rectify the situation. Therefore, I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to hold Westlake Financial accountable for their failure to delete the delinquency as promised, as well as their involvement in dealer fraud. 

I have enclosed relevant documentation, including evidence of the agreement to delete the delinquency and information regarding the dealer fraud, for your review. I appreciate your attention to this matter and look forward to your prompt action in resolving this issue and ensuring that Westlake Financial complies with relevant laws and regulations. 

Thank you for your assistance

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 2017-08-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted the bank regarding loan mod paperwork - the point of contact and superviseor do not return phone calls and emails are auto-generated stating they are " out of office. '' The Bank dual tracked me to Foreclosure and are still practicing Dual-tracking to foreclosure when I have income to pay my mortgage and am trying to get a loan modification.

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