BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX the XXXX of 2020 I notice a XXXX transaction and immediately called BB & T while I was on the phone 3 more transaction pops up on my : DEBIT, CREDIT and CREDIT LINE. Luckily the report was made and the bank suspend the account and recommend me to approach to the branch because all my information was compromised so then i can changed all my account with them. 

Unfortunately 2 days after all this happened another FRAUDULENT/ UNAUTHORIZED transaction was made with the same name and amount that was on SATURDAY XXXX the XXXX of 2020 ( XXXX ). I went straight to the branch that is located on : XXXX XXXX XXXX XXXX TX XXXX when I arrived there I spoke to the branch banker IV telling me that due covid19 situation I have to make an appoint until Monday so basically they could still take more money from my account because nobody cancel it that day ( they suppose to do it online, on the phone since the XXXX ). 
On Monday XXXX I went to my appointment at XXXX XXXX  : 1. My bank account where the fraud was made at this point stills open because is under " investigation '' so this person took another {$1000.00} dollars from the account by XXXX. 
2. The branch open 3 new accounts to replace my old ones and they gave me a physical paper regarding the claim. 

On XX/XX/XXXX of 2020 ( XXXX ) the bank send me a letter which i actually received on the mail on XXXX THE XXXX OF 2020 notifying me : The investigation was concluded regarding the electronic fund transfer claim date XXXX in the amount of {$1000.00} dollars they do not find that an error occurred, therefore, no funds will be deposited to your account as a result of your claim. 

Today XXXX I called the bank because I still not have the refund of the money that they took fraudulent from it, the lady that answered me the phone told me that I authorized the transaction or maybe I did it by mistake because of the IP address was right and there's nothing the bank cant do about it. 

The last money transfer from XXXX of my account with my consent was on XXXX and I received an e-mail confirming that I send that amount thing that didn't happen with the 3 different transactions that this person did to me.

This investigation must be RE-OPEN again I demand it!. As the Bank that you are, you must to answer to me for the fraud caused to my account and the delinquency expenses that you also incur. 

You must prove the evidence that supports the claims decision base on facts not on " maybe you did a mistake '' that's what the lady on the phone told 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 explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a FHA Home Mortgage Loan with XXXX XXXX  XXXX  XXXX in XXXX XXXX LA. It began in XX/XX/XXXX to present. The Bank will not put my 26 year payment history on my credit report after several requests. No info is on file with the Credit Bureaus. They will not give me a mortgage payoff amount, ( $ XXXX ). I  have went into the bank in XXXX, XXXX, XXXX, and XXXX of XXXX and can not get any mortgage information. My account is current after the Deferment, due to the Pandemic ( XXXX, XXXX, XXXX, XX/XX/XXXX ). XXXX payment was made at the bank. A fraudulent {$3000.00} installment loan is on my credit report that I never applied for. The Bank sent a letter that I came into the bank in XX/XX/XXXX and opened it up. The Bank 's Fraud Unit never got back with me. An Awful LIE, I never opened this loan account. I tried to resolve these issues in XXXX and XX/XX/XXXX by phone and email. I have not heard from anyone at XXXX XXXX. Please investigate and get me resolution on my mortgage that will be paid out by XX/XX/XXXX or sooner. Thank You for your time and 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 2020-07-20
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:
XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, XXXX XXXX has added 3 additional months on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: NY
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:
OnXX/XX/2020 I received hard inquiry alerts from XXXX, XXXX  and equifax I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 items XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/202XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance XXXX : {$5800.00} XXXX XXXX XXXX XXXXXXXX Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING COMPANY WAS FRAUDULENTLY OPENED IN MY NAME : CAPITAL 1 # XXXX OPENED : XX/XX/18 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
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 have try to fix this problem mutiple times with the credit breau equifax I even sent them my identity theft report regarding this account is fraud do to identity theft and no one have not resolve the  problem its still showing on my equifax credit file I have disputed this multiple times Im disputing this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello! My name is XXXX, and I have a problem with Carecredit card. I tried to make a payment on time to finish my debt, but they rejected my payment. I called the company and put me on hold and did not answer. Please, help. I want to get rid of this credit card as soon s possible. Thank you.

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 2022-10-05
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2022, I deposited, through the mobile app, two small checks from my small business account to my personal banking account for ~ {$1500.00}. XXXX notified me after the deposited that there would be a hold placed on the two deposits for 1 week - inconvenience but fine. 

The next day, XXXX places a hold on my entire account, locking me out of online banking, blocking any transactions ( regularly scheduled bills ), denying me access to my funds already in the account. 

On XXXX/XXXX/2022, I called XXXX customer service and they confirmed they locked my account due to the check deposits. And thats just how XXXX does it. 

I have never been accused of depositing fraudulent checks, nor do they say these two checks are fraud. They are unilaterally blocking my account without ever accusing me. Minus the absolute inconvenience as I prepare to travel, this will eventually cause me to gain returned bill payment fees for things already scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Experian Information Solutions 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:
On XX/XX/XXXX, XXXX XXXX reported to XXXX Experian and XXXX information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that XXXX XXXX " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at XXXX could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My credit score dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items.

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 2017-12-11
Company: Experian Information Solutions Inc.
State: MD
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:
After years of struggling to make payments on my private student loans. XXXX charged my loans off to a debt collection bureau. I was able to eventually reach a settlement for XXXX dollars with the debt collection bureau to settle the delinquent debt and put the loans in a positive status as paid in full as a result of settlement. Even after reaching the settlement and filing several disputes on all three credit bureaus, XXXX is still incorrectly reporting my accounts as delinquent and charged off. Pay law they should change the status and it should be reflected on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, 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:
XX/XX/XXXX-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question XXXX XXXX, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/XXXX-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/XXXX-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/XXXX simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/XXXX-XX/XX/XXXX and 9/18/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX claim that they have verified via certified mail. 

XX/XX/XXXX-I sent a letter to the collection agency XXXX XXXX asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/XXXX and XX/XX/XXXX. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/XXXX-XXXX sent notice that the accounts in question had been removed due to unable to verify, however, Equifax is refusing to comply. 

I have been disputing the debt with XXXX since last year and Equifax is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

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 2021-02-03
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:
I've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXXXXXX ordered the Trustee ( XXXX XXXX ) to illegally and tactfully foreclose on my property on XX/XX/2018 and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on XXXX 's part. On multiple complaints, I have requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The responses and answers clearly indicates that XXXXXXXX XXXX XXXXXXXX is hiding critical information and committing FRAUD. 

Their response is as follows.. 

First response : " It's a Conventional loan. '' Second Response : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and XXXX is not required to provide that information to you. '' Third Response : " XXXX  is not required to provide any information to you once the property was foreclosed and you are no longer responsible for the loan. No further information will be provided. '' Important note : The Federal Court filing of Trustee for the Certificate-Holders of XXXX , XXXX, Alternative Loan Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ; IS NOT the correct Certificate number that was filed with the Federal Court. The true and correct Certificate is XXXX Mortgage Pass-ThroughTrust Series XXXX. If XXXX   continues to refuse to provide the basic recipient information of the funds disbursed, I respectfully request that CFPB opens a Level II investigation on this complaint.

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