BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: SUNTRUST BANKS, 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: Account status incorrect

Complaint:
To whom it may concern : - I have faithfully paid my suntrust credit over the last year and several months. During a regular check of my credit report, I noticed that they had reported my account 30 + 60 days late. I had attempted multiple payments over the period that they reported me late, and each one of the payments was reversed. ( I have documentation of this ). XXXX  Payment for {$3000.00} reversed by Suntrust XXXX Payment made by me for {$2400.00} XXXX Payment for {$2400.00} reversed by Suntrust XX/XX/22 Payment for {$5000.00} made by me XX/XX/22 Payment for {$5000.00} made by me XX/XX/22 Payment for {$5000.00} reversed by Suntrust XX/XX/22 Payment for {$5000.00} reversed by Suntrust - I visited multiple branches to speak with branch managers to rectify the issue, and was assured that once I brought my account current the reporting would be rectified. Since they were reversing my online payments, I went to my bank immediately and obtained a cashiers check to bring my account current. Once I did this, I was informed that there was nothing they could do to bring my account current. 
- I had multiple, very lengthy calls with the credit department and each time was told they would not be changing the status on my credit reports despite all the evidence of payments made and then reversed by suntrust. 
- I submitted a letter & documentation to all 3 credit bureaus documenting the above facts, and no changes have been made.

I am happy to submit additional documentation and would just like the inaccurate reporting to be corrected with the credit bureaus.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XX/XX/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 2019-09-30
Company: EQUIFAX, INC.
State: TX
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 and XXXX are reporting incorrectly on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This is an unsubstantiated debt and should not be showing on my credit report. This account was removed from my credit report in XX/XX/XXXX and is now re-appearing with a reporting date of XX/XX/XXXX with a different account number. This is an absolute violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report immediately. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In response to the XXXX data breach, I'm now freezing my credit and activating fraud alerts through the top reporting agencies : XXXX, Experian, and XXXX.

I have succeeded in freezing my credit with Experian. However, for no stated reason, they will not allow me to activate alerts online. Instead Experian requires I send a letter requesting fraud alerts filled out and mailed to them.

This is an inexcusable level of service. It is excessively onerous to ask everyone trying to protect themselves from the endless data breaches due to lax corporate security measures to mail in requests. And possibly an intentional deterrent on Experian 's part. Online account management is crucial for people to be able to monitor their credit through these agencies.

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 2019-09-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CITI XXXX SUMMARY OF NIGHTMARE ( XXXX - Current ) Summary : Issue involves Balance Transfers made on XX/XX/XXXX. Because of an error with Auto Pay, the Balance Transfers were paid in full XX/XX/XXXX. On the same date, a stop payment was posted for the full amount. When Balance Transfers were reposted to account, they were erroneously added as a Purchase Balance.

Subsequent Minimum Payments were incorrectly calculated ( {$1500.00} ) and monthly Finance Charges incurred ( {$1000.00} ).

After five documented attempts to resolve, only one correction was made for one of the multiple errors on XX/XX/XXXX. Otherwise, these issues have not yet been addressed or resolved.

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 monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: DC
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XX/XX/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 2022-03-30
Company: Sterling Infosystems Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern : I have been approved to volunteer at my local airport, but they do require a background check that I am willing to consent to. However, the company that they use known as Sterlingcheck.com has been unable to help me with my concerns.

Before going through with the background check, I would like to obtain a free copy of my report in order to ensure that it is accurate. I have a legitimate concern that there may be potentially adverse information in my report and I would like to dispute it and have it removed. But they don't seem to be understanding my concerns and tell me they can't help me unless I follow through with the background check FIRST. They've also said to contact other companies in order to obtain my background information. 

Please help. Thank you very much.

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 2017-07-26
Company: SYNCHRONY FINANCIAL
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My girlfriend, XXXX XXXX, went to XXXX XXXX XXXX for a XXXX XXXX and XXXX XXXX XXXX. My girlfriend is only XXXX years old, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The Doctor 's office used aggressive sales tactics to pressure her into a XXXX that she did not need. The XXXX went horribly wrong. My girlfriend had XXXX from the XXXX, and had to go back to the hospital for further care. She also became XXXX and was checked into a XXXX XXXX in Texas because she XXXX XXXX XXXX XXXX XXXX. I am making this complaint because I do not feel that the services rendered by the doctor 's office were done correctly. My girlfriend and I paid for the XXXX through a joint care credit account. Furthermore, we were charged the wrong interest rate and wrong loan terms with care credit. When I called care credit, they said I needed to call the doctor 's office. When I call the doctor 's office, they tell me I have to call care credit. XXXX XXXX XXXX. phone : XXXX XXXX XXXX XXXX, phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN 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 2019-01-04
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX, a letter was written by Navy Federal Credit Union stating if I paid XXXX they would settle my credit card account and stop collection processes and send a letter showing the account settled. This did not happen. XX/XX/XXXX I recieved a letter basically bait and switching me. The letter stated we did not have a settlement agreement and they still took my payment and still owe XXXX pus and they look forward to speaking to me to settle the account. Basically took my money and did not supply what was promised. A settled credit account and a letter showing this. Instead, they took my money and are making me pay off the remaining balance. I have a photocopy of the letter, which was also sent with the payment so no mistakes would happen. I'm pretty sure they thought because I sent the letter with the payment, I can not prove that's what they said. Not true. I have a copy of the settlement letter and the letter stating they basically took my money and went against their agreement. These are attached with this complaint. I also have proof of when the payment was mailed. It was tracked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
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: Account information incorrect

Complaint:
They are saying I owe XXXX I loans for school more than ten years ago. I was only enrolled for 1 year and it was part time. There is no way I owe 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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2018-01-04
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX  years old. In XXXX my grandmother was battle XXXX XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her XXXX in XXXX.In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX years old. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX. XXXX was convicted on 180 counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me.In XXXX the Mortgage was purchased by XXXX  XXXX without investigating the origination. In XXXX  the home went into foreclosure. XXXX XXXX tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records; XXXX XXXX determined the mortgage was valid; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XX/XX/XXXX.I have attached supporting documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a credit card that i used frequently and paid every month but they mailed the bill to the wrong address for a couple months and then they attempted to double what i actually owed. I attempted to negotiate with them on how much I owed but they would n't listen and sold my debt to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: TX
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:
According to federal law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit reporting agency is required to respond to all consumers complaints and requests within 30 days. 
If they do not respond within that timeframe, they must remove the disputed item. 
As or XX/XX/21, I have not yet gotten a response regarding the reinvestigation they claimed to have conducted regarding XXXX XXXX XXXX XXXX # XXXX. In my request, I clearly asked for a detailed description of the procedure used to determine the accuracy and completeness of the information gathered. 
According to the guidelines set forth by the federal government, this agency is in blatant violation of my rights as a consumer. And I am requesting legal action to remove this account from my credit file.

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 2021-09-15
Company: Benuck & Rainey, Inc.
State: NH
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:
I had 4 accounts in collections due to hospital bills with Benuck and Rainey ( a collections company ). In 2020 I was financially able to call the collections company and pay off all the debt. Today I received an email from my credit reporting agent ( XXXX XXXX ) that my score had gone down and that I have four delinquent accounts. The accounts were now back on my credit report as delinquent. I have included a screen shot showing my credit report and showing the payments that I made back in 2020 to Benuck and Rainey from my bank. I have worked really hard to fix my credit and this issue is really upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
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: Information belongs to someone else

Complaint:
In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I've since received notice that my investigation was closed with all accounts verified from ONLY Experian, but didn't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that Experian has incorrect information on my file, and this is prohibiting me from acquiring credit for life necessities. EXPERIAN IS REPORTING INFORMATION WHICH WAS REMOVED FROM THE OTHER CREDIT BUREAUS.

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 2022-02-04
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
USCB America held what I believe to be a valid debt related to medical expenses. I paid the debt in full using a payment plan. Originally it was for 4 payments, but I paid it in full a couple months early with a 3rd payment. The payment amounts were for {$1300.00}, {$1300.00}, and {$2600.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2021. 

With each payment, I have attempted to retrieve a receipt for the transaction. With the final payment I attempted to retrieve a payoff letter. I have called more times than I can count, left voicemails twice, spoke with agents and supervisors alike, and on my most recent call I even 3-way joined in XXXX 's XXXX team. I've verified my address several times. They refuse to work over any means that leaves a paper trail, they refuse to email it, and they refuse to mail any of it with tracking information. Refusing to provide this must be illegal, right? I think it is illegal in California to refuse to furnish a receipt of any kind for a transaction when requested. No idea what federal laws exist there. 

I just want my XXXX receipts and payoff letter and maybe a nasty call from XXXX XXXX XXXX will finally do it. Short of that I am going to charge back the payments or file a lawsuit or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2017-07-26
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received correspondence from Diversified Consultants, Inc. ( DCI ) that I had debt in the amount {$990.00} for failing to pay XXXX. On XX/XX/XXXX I called DCI to figure out what this was about and they redirected me to XXXX. I called XXXX that same day and I was told I owed them {$990.00}. I informed them I have n't had XXXX since XX/XX/XXXX when I moved from XXXX XXXX XXXX, XXXX XXXX, NJ. My account was paid in full and disconnected when I moved. I moved in with family to XXXX XXXX XXXX and have not had services in the past two years. I was transferred to a different department who asked me if the debt could be for failure to return equipment. I told them, No because I returned it myself. They are advised me to write a dispute letter which I did ( all in the same day ) to DCI. DCI responded a couple of weeks ago with a simple letter that the debt was proven to be mine. The letter was absent of any information as to how they came up with their findings. If XXXX does n't know where the debt came from how do they?

Company response to consumer: Closed with non-monetary relief