BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: TRUIST FINANCIAL CORPORATION
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:
Dear Sir/Madam : I am writing to dispute the following information that XXXX XXXX Banking Officer of Branch Banking and Trust now Truist Bank reported to All three credit bureaus : XXXX, XXXX, and XXXX on XX/XX/2021 are inaccurate. XXXX XXXX XXXX banking Officer of BB & T reported a fraudulent {$950.00} increase. In addition, XXXX XXXX responded to a complaint I filed with the Consumer Financial Protection Bureau on XXXX, XXXX, 2021 that the increase of said balance was due to a negative escrow balance. She failed to write me prior to my complaint giving a clear explanation as to why my on time mortgage balance would be reported inaccurately. BB & T has record of my cancellation for XXXX home insurance renewal that was to go into effect XX/XX/2021. Also, BB & T has record of my new/current home insurance with American Integrity with an effective date of XX/XX/2021. At no time it was a failure on my part that caused a negative escrow balance. To date, all mortgage payments has been satisfactorily paid by myself. BB & T has received reimbursement of prepayment issued to XXXX home insurance for effective. Beginning XXXX, XXXX, 2021. XXXX XXXX response is false regarding my mortgage balance. To date, my escrow and mortgage payments are one-time. XXXX XXXX needs to ensure that she adheres to her employment responsibilities and report accurately both my on time mortgage payments and remaining balance. She needs to stop using predatory financial reporting standards and discrediting my hard work. 

Ps. My escrow balance has nothing to do with my mortgage payments it is used for the sole purpose of paying my home insurance.

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 2021-05-04
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:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One is reporting a late to my XXXX XXXX account that I should not have. I tried multiple times to get this paid over the phone and online but their website was not working and would not accept payment. They kept giving me the run around and by the time I was actually able to pay a late had already occurred. I would like this late removed as it was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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:
I am requesting that you immediately delete information off from my credit report that isnt mine. I do not recognize these accounts. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I think I become a victim of identity theft. 
Please check for me. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am writing this complaint due to the lack of communication on the construction loan XXXX that I had with XXXX XXXX XXXX. Our commercial loan officer was XXXX XXXX XXXX we meet with him at the bank about the loan in XXXX CT. We closed on the construction loan in 2016 for a 1 year construction loan with 2 6 month extension if needed. We started construction and everything was going fine. We had know problem making the loan payment because they came out of the checking with XXXX XXXX XXXX automatic. Due to changes in construction and weather we had come to the anniversary date on the construction loan and need the extension for 6 months. We reach out to XXXX XXXX early in the process to get it done so there was know problem with the loan. We than go the paperwork in the mail showing amount due on XXXX XXXX XXXX we were not done with the house. We reached out to XXXX XXXX about it and he said they were working on it. He would get back to us with something by the end of the week. We reach out again he said that they would have it done by early next week not to worry about it. We got the paperwork work late from them and than they put a late payment on my credit. We called XXXX XXXX about it and he said that should have not happen and he would take care of it for us. We tried and tried to get this fixed with him and XXXX XXXX also from XXXX XXXX XXXX she was our mortgage officer for the end of the loan when it was to go to a first mortgage on the property. We reach out to XXXX XXXX again after we closed on the mortgage to get this fixed he than at that time said to us that they can not fix it because they have an A rating an it would not look good for them. I said over and over to him you said not to worry about it you would fix it. He reply sorry he can not fixed it. I can not believe that after all this that was his comment to us. Not good business practice. Thank you 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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2017-09-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is the SECOND complaint about the same issue because the Experian failed to address the issue in complaint # XXXX. The company 's online freeze alert does NOT work, though I have tried many times to do so. Since I was affected by the XXXX breach, it is critical that my security freeze is applied at all three credit bureaus. Instead of addressing why Experian 's online security freeze does not work, they answered my first complaint with a general description of the XXXX breach, and what the options for security are. They NEVER answered my complaint about why they will not freeze my credit as requested.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/XXXX Balance {$630.00} Account # 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 2021-05-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying for years to get an explanation of how the original loan with a principal amount of approximately XXXX XXXX was REHABILITATED into a principal amount of almost XXXX XXXX dollars. And how there can be such an excessive collection amount of almost XXXX XXXX dollars! All I ever receive are the ledgers with no explanation of what Rehabilitated constitutes. 

Furthermore, there appears to be a loan on the account that I never borrowed for {$19000.00}. I was also on a XXXX  Scholarship as my dad was an XXXX XXXX XXXX  in XXXX. 

After not getting a complete explanation from the lenders, the case was turned over to a collection agency, Pioneer, which also has been unresponsive to my communication. I hired an attorney and he has also been unable to get the requested information. Causing me to incur legal fees. 

Furthermore, they have violated the fair billing act and held the position that I had to pay the fraudulent amount without a complete explanation or suffer the complete suppression of my credit score. 

Lastly, for over a decade I was unable to purchase a house or get a credit card. Accordingly, I should be compensated for my loss of opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I rcvd a call on XXXX XXXX that I had made a complaint about to your company XXXX, and after making that complaint I rcvd 2 more calls from the same company and spoke to the same lady. my first complaint # XXXX. In the 3rd call she calls me directly instead of me getting a call and getting transferred to her. She lied about her name and acted as if she had reviewed her 2 previous calls to me and was going to help me make a complaint about it. I have the 3 phone calls recorded. These companies and trying so hard to deceive and bully the people they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
They restricted my account without any reason and I havent even used my account since XXXX for {$8.00} to buy food

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2020-05-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed 6 unauthorized inquiries with Equifax three different times on XX/XX/2020, XX/XX/2020 and XX/XX/2020. Each time they have responded by providing a result that states " inquiries are a factual record of file access '' and each time, I have rebutted this response by advising I am NOT disputing the fact that inquiries aren't a factual record of file access but rather they were NOT authorized by me. They also advised for me to reach out to the creditors for additional information. However, I've contacted these companies time and time again and they have informed me that they have no open accounts and no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with a permissible purpose. They then direct me back to the credit bureau who again is advising that there is nothing they can do to help me. 

*Please note that these inquiries were disputed over the phone each time. After the second attempt, I requested the credit reporting agency 's method of verification authorizing credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I call Home Depot to make a payment of XXXX dollars the machine malfunction and said the amount of XXXX cents..I said no XXXX dollars, I called customer service to stop payment they couldn't stop it, then I called my bank but Home Depot had an already took my payment. I filed a claim to receive my refund but they told me that I had to wait for my refund..I 'm on a fixed income and they took every dime out of my account, I could not pay my bills for the month of XXXX because I have no money to pay my.bills. I spoke with someone at Citi Bank and was told I have to wait until XX/XX/XXXX to receive my refund.. Home Depot is a big corporation.why should I have to wait so long..I received a letter 2 weeks ago telling me that I'll receive a refund of XXXX cents, that's minus XXXX, still no refund.

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 2017-09-16
Company: Experian Information Solutions Inc.
State: IL
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:
All four major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
45 U.S. Code 231k - Incompetence ( a ) Every individual receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall be conclusively presumed to have been competent until the date on which the Board receives written notice, in a form and manner acceptable to the Board, that he is an incompetent, or a minor, for whom a guardian or other person legally vested with the care of his person or estate has been appointed : Provided, however, That, regardless of the legal competency or incompetency of an individual entitled to a benefit administered by the Board, the Board may, if it finds the interest of such individual to be served thereby, recognize actions by, and conduct transactions with, and make payments to, such individual, or recognize actions by, and conduct transactions with, and make payments to, a relative or some other person for such individuals use and benefit. 
( b ) Every guardian or other person legally vested with the care of the person or estate of an incompetent or minor who is receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall have power everywhere, in the manner and to the extent prescribed by the Board, but subject to the provisions of the preceding subsection, to take any action necessary or appropriate to perfect any right or exercise any privilege of the incompetent or minor and to conduct all transactions on his behalf under this subchapter or any other Act of Congress now or hereafter  administered, in whole or in part, by the Board. Any payment made pursuant to the provisions of this section shall be a complete settlement and satisfaction of any claim, right, or interest in and to such payment. 
give it to you in ( A ) and take it away in ( B )

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 2023-06-08
Company: Risecredit, LLC
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this payday loan off awhile ago... it still states I am behind and owe the full amount. I've filed complaints but it's still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2020 my spouse opened an M & T account. The M & T banking representative, Ms. XXXX XXXX XXXX, located on XXXX XXXX in XXXX XXXX, MD, had him to call me at home and ask me for my social security number to add me as a beneficiary to his account. I asked her for the documentation listing me as beneficiary, but she said the documents were not needed, that she was just going to put my social security number in the system ; but that a statement would be mailed out. The bank statement which was mailed listed me as XXXX. I never authorized the bank representative to do anything other than what we had spoken about over the phone when I gave her my social security number, and was not aware at the time that she wrongly collected my social security number and connected me to my spouses account as an owner. 

That same month, XX/XX/2020, strangely my direct deposit of {$500.00} that was part of my by-weekly pay that should have been deposited with XXXX XXXX XXXX was deposited into my spouse 's M & T Bank account ; an account I don't own. What the M & T representative did was collected my social security number wrongly and told me she was setting me up as beneficiary, when in fact she used my social security number and named me as an owner of a bank account at M & T bank using my spouses account without my permission, authorization, nor signature on file with the bank, nor was I physically present ; and she hid what she did by mailing a statement showing I was XXXX on his account. Yet, this created a fraud alert. 

Money can not be deposited into a bank account you don't own. Therefore, the bank representative set me up for fraudulent activity on an account I do not own at a banking institution by adding my social security number in the system, and making me an owner, yet with no signature cards with the bank that would amount to fraud. And with no documents with the bank showing that the direct deposit was proper, which it was not, it would be counted as fraud. However, M & Ts own bank representative committed the fraud by wrongly using my social security number. 

I believe this has resulted in a fraud flag because my bank, XXXX XXXX XXXX has blocked me from using my ATM Card. I am unable to make purchases, deposits, nor withdrawals from the ATM. Also, XXXX XXXX representatives are not consistent in their explanation as to the reason why my ATM card is blocked. XXXX XXXX XXXX  representatives are also violating banking laws by not providing proper information to a bank consumer regarding their bank account. Therefore, because of the way Im being treated, I suspect they have been alerted to some sort of fraud I have not committed.

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 2017-12-17
Company: Experian Information Solutions Inc.
State: CT
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:
There are many mistakes appear in my report without my understanding.

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