BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$7600.00}, {$16000.00}, {$12000.00}, {$0.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.

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 2023-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I went to access my bank statements using the online banking. Received a message the site is unable to access my account at this time. Called customer service, spent an hour on the phone troubleshooting, they finally said it was due to an issue on their end from an upgrade to the system and I should have access the next day or so. Well it is now XX/XX/2023 and I still do not have access to the online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2020 I closed on a streamline refinance. During this refinance I wanted to put my husband on the deed of the home. Instead of filing the document to put him on the deed of the home the closing company put him on the Deed of Trust. He is trying to close on a home in Florida, he can not because when they did a title search, they found that he is obligated to the loan on my home in Maryland. He is not even a joint applicant on the refinance. When I called XXXX XXXX, Maryland Treasurer 's office they told me that a new Deed of Trust needs to be filed. I have called the original loan officer, the title company, my loan servicer, the processor, the closer, and back to my loan servicer. I have emailed and I have received no help at all from this company and they are all affiliated. I was told today that the only way to fix this error is to refinance the loan. I need help fixing this error and I am getting the run around. I have called : XXXX XXXX at XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX = XXXX Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX My Mortgage company is Lakeview Loan Servicing and the servicer is XXXX XXXX in Virginia XXXX Virginia. 

Lakeview Loan Servicing , LLC XXXX : XXXX XXXX Department XXXX XXXX XXXX Virginia XXXX, VA XXXX Please help me get this 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 explanation
Consumer complaint received 2020-07-17
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2023-07-02
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I contacted Apple credit card on XX/XX/23. This is the date my statement balance of {$990.00} was due. I had a total balance of I {$1500.00}. I explained to an employee ( I still have all the messages in my text thread ) that I ran into a situation and that I needed about 2 weeks to pay my balance in full, and ask if they could waive ANY interest charges ( OR FEES ) since I had a good relationship with them. The minimum payment was {$25.00} and I specifically asked if I only paid that, would I have to pay ANY interest and they said NO, because I was gon na pay the full balance off within 2 weeks. I paid the {$25.00} ( and they didn't credit my account ) and the next day they started charging interest to my account, after I got a clear reply that they 'would n't ''. I feel like this was exploitation. One of the reps did file an internal complaint on my behalf but because I was already given bad information I feel its best if I get a third party involved. This isn't about Apple or Golden Sachs policies on interest, this is about the conversation I had with an employee. Because I was given specific answers to specific questions, I feel that should be honored, regardless of who I speak with in the company after that. Now my account is accumulating interest everyday. Had I been told that when I asked, I would have figured out another way to pay the balance off in full on the due date,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08
Company: Continental Finance Company, LLC
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: Information belongs to someone else

Complaint:
I have a Hard Inquiry from XXXX ( Utilities and Fuel ) done on XX/XX/XXXX. I did not apply for a credit card or phone with XXXX. 
on XX/XX/XXXX, following the identity theft plan from the Federal Trade Commission FTC Report # XXXX, i called XXXX fraud department at XXXX and the agent ran my social security number XXXX and found No records of myt social security number appling for a cc or phione service. There was no application regarding my social security number. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 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 2020-07-17
Company: Experian Information Solutions Inc.
State: HI
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 Experian identity theft report, email the ceo, sent certified letters, call and try dispute it, sent letter Mov ... And they Keep sending me letters asking for everything I sent many time. 
Im writing you out of pure frustration and desperation. I am in the process of purchasing a home and Experian company is reporting in accurate information. I have sent the company multiple dispute letters and screenshots stating that this information is inaccurate. The Information that I speak of is ( XXXX XXXX ). Each time Ive spoken to Experian representative they have stated that the company has provided them with information that has verify the data. Ive sent multiple requests for method of verification data and I have been ignored for each one. I also Spoken to a XXXX XXXX representative they also have an inaccurate information about myself. The XXXX XXXX   representative described me as a totally different person Ive never had an account with them at all. Ive also sent in the Federal Trade Commission report ( FTC ) which I will attached at the end of email. I also sent in a verification letter which I also will attach. Ive spoken to representatives on everyones in I believe that I have done all the due diligence to make this matter correct, Im asking of you to please help me with this matter. Im just trying to do whats right to provide for my family a dream home that I promised them. I thank you for your time and your understanding, I appreciate everything you do. 
I call Experian to Dispute this account ... And I requested XXXX. Told them this was a fraudulent account. I I sent the identity report ... They told me I couldnt request the information. Im Asked them are you denying me this information, he said yes and I said if I contact the attorney general and CFPB they are going to say the Same thing. This account is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete

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 2022-11-04
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2022-04-13
Company: EQUIFAX, INC.
State: NY
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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: SC
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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

US DEPT ED : XXXX, USDOEXXXX XXXX XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, my home and I were the victim of Hurricane Irma. My family was displaced for 7 months and 5 days, not returning home until XXXX of XXXX. Under the federal government rule, SunTrust Mortgage was required to afford me a forbearance, due to the natural disaster. They honored this requirement. Once it became time to start making the payments again, I did so. Each time I mailed the mortgage payment, it was mailed back to me in the form of a SunTrust Mortgage check. I kept those checks thinking it was a glitch and would work itself out. In the meantime, I received paperwork that was a loan modification, for which I did not request. It was not made clear to me that I would need to modify my mortgage based on a natural disaster and therefore, the paperwork was set aside until I could understand it and reach out to ask questions. In the meantime, SunTrust Mortgage began foreclosure proceedings- for no apparent reason. Upon receiving notification of this, I immediately inquired what in the world was going on. I had never even been late on a payment. I was told the loan modification was to have been signed and that I had missed the deadline. I explained to them my dismay and their lack of communication regarding something so important, and I begged to be able to sign and send it back immediately, they refused. I brought to their attention the payments that I had made and that had been returned to me, they didn't want to hear it. Ultimately, they demanded that I pay {$50000.00}, in a very unreasonable amount of time, or lose my home. This set off another catastrophic series of events as the only way I could get my hands on that money was to take it out of my XXXX. XXXX. They adversely impacted my XXXX account balance. XXXX. They adversely affected my retirement timeline. XXXX. They adversely impacted my tax liability to the extreme. XXXX. You can imagine the mental anguish, as this entire process unfolded. 
As a part of the negotiation I requested that this not adversely impact my credit report as well, and they assured me that it wouldn't. I paid the {$50000.00} on time, immediately reinstating what I THOUGHT was my good payment history with SunTrust Mortgage. The relationship will NEVER be repaired. 
At XXXX of the most difficult times in my life, I believe SunTrust Mortgage took advantage of me and tried to steal my home. My home is worth substantially more than I owe and I believe this was an unethical play to take it from me. 
I hope the Consumer Financial Protection Bureau will protect me and my hard earned credit and require SunTrust Mortgage to remove this blemish from my credit report immediately. 
I believe they deserve their own consequences, but I'll leave that to the experts to decide.

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 2019-08-18
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Experian has this information listed in my credit report. This information is inaccurate and does not belong on my credit report:NoticesAs part of our fraud protection efforts, a notice with additional information may appear on your Report. Notices are not disputable online. If you believe that this information is incorrect, please contact an Experian Specialist for assistance at XXXX This address has pertained to a business: XXXX XXXX XXXX XXXX XXXX TX XXXX .XXXX  XXXX: XXXX XXXX XXXX XXXX XXXX TX, 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 2020-12-04
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX holds 8 students loans of mine, and I have been in deferment since day one due to income. However they have all eight accounts showing extremely late like 120 days and I've never even had a payment agreement to be late on. I've written them several times with no changes and no reply. I've left my number, email, address and I've gotten nothing. I called once but the person didn't make any sense so I wrote in to have proof of correspondence. The person I spoke with ( XXXX ) stated she doesn't know anything about credit reporting and that I should call back in the early morning because managers are there at that hour. Like I said ; it didn't make much sense to me so I wrote in. I've also been disputing it with all three credit bureaus and I'm going on month ther three with no response or change. This is creating a huge drop in my credit score and creating problems with even being able to rent a home. Because my score drops so significantly because it's 8 different loans so they hit me 8 times. I really need this taken care of. Any help would be greatly appreciated. 

Thank you so 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 2023-06-30
Company: Block, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Somebody had my cash app card number and kept scamming me so cash app made me order a new one. I received it but it wont be activated because cash app says so! I have no real answer and they will not provide it to me!

Company response to consumer: Closed with explanation