BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BB & T Mortgage holds the mortgage on our investment property. We have repeatedly received incorrect annual escrow account disclosure statements over the past several months. Each time I have called BB & T to point out the incorrect insurance amounts. I've been on hold for hours, to be transferred to their insurance department, who confirms the anticipated escrow disbursements are incorrect and overstated by several thousand dollars. The insurance department transfers me back to the mortgage customer service line, stays on the line with me and confirms the amounts are incorrect and a new escrow calculation is ordered. But each time I receive the new/updated escrow disclosure statement it is still incorrect. On XX/XX/2022 BB & T charged us the new payment which is at least {$200.00} more than it should be because of the overstated anticipated insurance payments. My insurance payments, confirmed by both my insurance agent and the BB & T insurance department are as follows : {$2100.00} Hazard/Fire, {$820.00} flood front, {$710.00} flood rear/garage, {$1500.00} windstorm. The most recent escrow statement dated XX/XX/2022 lists the following : Hazard {$1000.00}, Flood {$820.00}, Insurance {$1500.00}, Insurance {$2200.00}, Insurance {$1000.00}. The flood insurance for {$710.00} is missing on this statement ( and has never appeared on any previous escrow statements ) and instead two " insurance '' policies are listed at {$1000.00}. I am being grossly overcharged and BB & T is unable to fix this problem despite the fact I have called in XXXX and twice in XXXX to fix the incorrect statements.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
as of XX/XX/ 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of 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 2022-02-14
Company: EQUIFAX, INC.
State: PA
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:
It has come to my attention that XXXX XXXX has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX - XX/XX/2016 XXXX -XX/XX/2016 XXXX- XX/XX/2016 XXXX- XXXX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX- XX/XX/2016 XXXX- XX/XX/2016 XXXX-XX/XX/2016 XXXX-XX/XX/2016 These are hard hard inquiries that was made on my transunion report. It was a fraud alert place on my file at that time. and no one called to verfiy my information with me stating these alerts. and now that i 'm trying to purchase my first home these are effecting 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 2017-12-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
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:
See referenced complaint XXXX.I’m really not sure how many times I’ve brought this up, but I feel like this is the 5th or 6th time I’ve had to go to the CFPB never mind other agencies over how unfairly we’ve been treated by this company, and just to simply fix my otherwise clean credit report.Select Portfolio Servicing has twice now suppressed, 30 day late payment reporting from my XXXX and XXXX reports, and now twice has replaced those issues within only a few months.  We have since paid off this loan, and I was forced to address with my credit bureaus why Select Portfolio had failed to report a closed/fully paid off account.  That’s now cleared up, but now XXXX is reporting late payments again on my credit bureau.  XXXX somehow has it stuck in their system that this account was paid late on two dates, after multiple conversations XXXX had agreed to suppress the negative reporting from my credit bureau, but then has replaced that reporting again and again.  When i have called I get excuses as to how one system works or another.  That isn’t my responsibility.  I’ve paid you, I have now paid you off, now please get out of my life for good.The following is what I want:1) Please re-submit the suppression of negative credit reporting from my credit bureau with XXXX and XXXX.2) Get out of my life and never bug me again.Thank you,XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: SUNTRUST BANKS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My Chapter  XXXX  Bankruptcy was  discharged   XXXX   XXXX ,  2017  including a debt of  XXXX  from SunTrust Bank. However  XXXX ,  XXXX  dropped my case oveer my complaint with the   XXXX   XXXX    and  submitted  XXXX  electronic payments to a closed account with SunTrust. After numerous letters and visits to SunTrust branches in  XXXX   XXXX ,    2017  I received a letter from SunTru st Recovery Dept. than king me for the payment and demanding an additional {$700.00}. This whole account was discharged  XXXX   XXXX ,  2017  and SunTrust received proper notice from  XXXX  and my new attorney. The electronic payments from  XXXX  to SunTrust were an error. I never paid any monies to SunTrust and do not owe any further amounts to SunTrust I have all the   XXXX   XXXX    info rmation and the numerous letters to SunTrust. The last call I received from the SunTru st Recovery Dept state d that they would not return the money ... .period.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-05-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've never opened an account with XXXX XXXX. Maybe it is identity theft I don't know. 

XXXX XXXX  XXXX CC COLLECTION/CHARGEOFFCredit Cards {$1700.00}

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 explanation
Consumer complaint received 2018-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I Received my credit report showing a inquiry from Capital one from XX/XX/18 showing I applied for a credit card. 3 years ago I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score.The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The bureaus put a collection on my credit report what is not mine they don't show me a signed contract with my signature and they refuse to take it off my XXXX and XXXX report, and now not only that they even put a higher dept on the same account like I said is not even mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a creditcard account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America allege that I am XXXX payments delinquent. I have written bank of America for over seven years trying to fix this problem but they will not tell me what payments I missed. Instead they send me documents that always refer to previous payments. I need them to tell me what payments were missed so I can correct the situation. They always say a supervisor call me back. 

When someone calls me, I go through the same explanations that usually keep me on the phone over an hour but nothing ever happens. I recently applied for a loan with another company and everything went through except this, they told me I had to get this corrected with Bank of America before we could proceed. I have written and called them on several different occasions. I have requested to escalate the call to higher management, but again nothing happens. I pay my mortgage every month. They have been charging me {$17.00} for years for an inspection each month but no one has been by my house to inspect it.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2022 I paid my auto loan with XXXX XXXX at XXXX pm XXXX. On Monday XX/XX/2022 I received alerts that my account was reported as 30 days past due to credit bureaus XXXX and Transunion. Upon calling XXXX, they stated that they reported the payments as late because the payment was made at XXXX pm ( not stated if it was XXXX or XXXX ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). XXXX is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their XXXX office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my 30 day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.

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 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX monthly fee silently charged  to me since XX/XX/XXXX by transunion after getting their free report. Received a monthly email asking me to sign up for their service, not indicating I already was signed up, nor any type of credit info said service is supposed to provide. Further more they have not raised my credit score nor updated my address, employment, good credit, car payments, removed cillections, after 9 months of positive credit changes and XXXX XXXX removals. There are dozens of XXXX responses for this same issue, XXXX/month without their knowledge and a circus act to cancel. Hidden buttons and false re-authorize links trying to cancel. This is not the behaviour of a multi-billion-dollar credit agency, this is how grifters and con artists behave. I am out XXXX$ for a free report and nothing gained by what this supposed service is supposed to provide.  From what I have read online from XXXX and FTC site, few people recouped even a single month charged, so I do not see the point in wasting my time calling them at this point.

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 2017-07-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Medical bills are being reported incorrectly on my credit reports. The two accounts are not mine and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: SG and Associates
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
started receiving calls approximately a week ago from a company Called the Stafford Group located in California. Tel number ( XXXX ) XXXX from a XXXX XXXX XXXX STAFFORD GROUP AND ASSOC 1940 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They are trying to collect a debt that they say i owe in the amount of over {$1000.00} which is not even close to the charge off amount by the bank. I contacted the bank today to find out that the account was sold to someone else. During this time, there has been possible fraud on my social security number and drivers license information all within the same time period. In the meantime, i have freezed all credit reports and placed a fraud alert on my records. 
They claim that i have been mailed collection letters which to date, i have not received and they also promised that they would send me an email to collect because they do not want to use paper because electronic files work best for them.

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 2017-11-10
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an account with Discover. Recently I transferred three different accounts to my Discover account for no/lower interest rates. Because of this I have 4 separate interest rates ; 0 %, 4.99 %, 4.99 %, and 19.99 %. When I make a payment, the minimum payment goes to lowest interest rate and whatever I pay over the minimum goes to the highest interest rate. My problem is this ; the two accounts at 4.99 % are charging interest that I pay monthly along with the interest charge on the 19.99 %. Even though I am paying the interest charge on the 4.99 % accounts, Discover is adding the interest to my overall amount owed in the 4.99 % accounts. So my 4.99 % accounts are increasing every month. So essentially they are double charging me for the interest. I am paying it but they are adding it on my bill. My monthly statements can verify the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Commercial Recovery Systems
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I took out a payday Ioan in XX/XX/2017 with a company call XXXX XXXX. A company called XXXX XXXXXXXX help is representing me. I have been making on time payments to them for several years to resolve this predatory loan. They have also been sent several cease and deceit legal documents forbidding them to contact me directly. They have called my employer and a threatened to serve me with legal papers. I told them that I would file a complaint it they contacted me again. They then called me on my cell phone and were extremely rude and aggressive. I had made every attempt to pay this loan back.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Company TransUnion Submitted on XX/XX/2019 File number XXXX This is like the 5th time i told them this is not me. I have never lived in Indiana and never will. This is my son 's account. Our names are spelled different. I live in Arkansas and have for 20 years. 
The account is with XXXX XXXX XXXX and the balance is {$830.00} as of XX/XX/2019. 
I guess nobody can figure this out at TransUnion because I have complained for over 5 years or maybe they are unable to read english. 
Thank You for your help

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