BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Birthdate : XXXX  FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRUIST BANK conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRUIST BANK will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An Extended Fraud alert was placed on said account. Inquiries that are not attached to an account were unauthorized.I have directly disputed these items with the credit bureaus and was not successful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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:
Improper use of my account. Companies never validated or sent original documents or contracts with my original signature as proof. Account never verified. Many consumers rights have been validated.

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 2022-09-13
Company: Amscot Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notice : New information and updated information XX/XX/22 I CLAIM Harm by way of Trespass, FRAUD and Dishonor. 


To CEO and Chief Compliance Officer, YOU BROKE THE LAW This is in reference to the letter sent to your company via CFPB portal dated XX/XX/22 and that letter mentioned how AMSCOT violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other violations under tittle 15 consumer protection. 

In response to that letter, AMSCOT replied that Amscot is a first party creditor and not a debt collector within the meaning of the Fair Debt Collections Practices Act. 

I am requesting you stop sending me correspondence with no material facts or sufficient evidence and show proof that you have a lawful and valid claim. I am requesting that you provide valid proof or material facts or sufficient evidence that you are a first party creditor as stated in your correspondence to me dated XX/XX/22. Please note that proof should not include a consumer contract because as per the judgement in XXXX XXXX XXXX XXXX, the consumer contract is not sufficient evidence of a debt. 

I am also requesting you provide to me the audit Trail of the transaction originated by you as proof of a lawful and valid claim. 

I am attaching here with a valid proof of you being a debt collector under provisions of FDCPA. 

I am demanding AMSCOT to zero out this account and remove my nonpublic personal information from all consumer reporting agencies immediately. 

Any failure to comply with Federal Law I will escalate this matter to Federal Court. 

Thank you for your corporation XXXX XXXX, AMSCOT letter showing proof that AMSCOT is attempting to collect an alleged debt under the Provisions of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for XXXX XXXXXXXX XXXX XXXX XXXX on XXXX, XXXX and finally on XX/XX/2023 and got denied on all occasions without any reason or explanation. They claimed they will mail out the reason, but they never do. When I contact them they never respond. Regardless of the reason for being denied. I have the right to credit. Withholding my access to securities is securities fraud. 

You are violating the equal credit opportunity act and consumer credit protection act.

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 2023-12-12
Company: LEXISNEXIS
State: NY
Product: Credit reporting 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.

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 2022-09-13
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} BEST XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), XXXX XXXX  XXXX , XXXX XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I have been texted previously and again today this message at XXXX XXXX  : " Law Offices of MBA, a Debt Collector : Please contact us if you have questions at XXXX or visit us at XXXX : XXXX To optout txt STOP '' My computer says Hmmm - can't reach this page. Check if there is a typo, etc. 
They are a scam. We do not owe any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
An application for SAVE IDR was submitted the first week of XXXX and I received notice that it should be completed in about XXXX weeks and that I would receive updates on the application status every XXXX days. I was notified that due to the increased number of applications, processing time would take longer than expected, however, no timeline for the expected decision on the application was provided. Due to an over two-month delay in processing of my IDR ( SAVE ) application, my loan payments were placed on administrative forbearance and continued to accrue interest. While it was expected that interest accrues during the first month payments began in XXXX the delay in processing has resulted in three additional months of accrued interest, totaling {$6900.00}. I have emailed Nelnet and spoken to a customer service representative regarding this and was told I would be responsible for the additional months of interest while the IDR application was being processed. I was also told that due to Nelnet and federal agencies not having an adequate number of employees after budget cuts, the processing times for IDR applications took longer than expected. The poor planning on behalf of Nelnet and the federal government should not make me accountable for the additional interest that was accrued as a result. My application was submitted in early XXXX and I expected to be making payments in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: OH
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:
There was a data breach in which over confidential information from over XXXX XXXX XXXX was breached and is likely now public knowledge. This includes social security numbers, addresses, telephone number, and other information that could be use to steal one 's identity. I have placed a 90 day fraud alert from all three credit bureaus. I was able to access my reports from XXXX and XXXX, but the Equifax webpage kicked me out and I was unable to access the report. Although there was no fraudulent activity on the XXXX reports I was able to load, it can not be guaranteed that my identity will not be stolen in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a SAVE application on XX/XX/23. As of today, XX/XX/23, it still has not been processed. In this time, they have placed me on two different types of forbearance, but did not do so for about seven weeks, although they were supposed to place me on an administrative forbearance as soon as they received my SAVE application. My current forbearance is set to end in XX/XX/23, and my payment amount has not been lowered as they have not processed my SAVE application. 

I have sent them three secure messages through their messaging portal. The first was sent on XX/XX/23 and asked why I had not yet been placed on an administrative forbearance. I received a " we'll be responding to your message as quickly as possible '' message on XX/XX/23. On XX/XX/23, I received a message telling me that I had been placed on a forbearance, which I was already aware of. In fact, by this time I had been placed on both an ecological disaster forbearance AND an administrative forbearance. 

My second message was sent on XX/XX/23. This was after I had been placed on an ecological disaster forbearance, which was set to expire in mid-November. I asked why I had not been placed on an administrative forbearance. I still have not received an answer to this question, though I have since been placed on an administrative forbearance ( though that is set to expire on XX/XX/23, which as of this complaint is in 19 days ). 

My last message was sent on XX/XX/23, and asked why my SAVE application had not been processed. I have not received a response. 

Throughout this time, my due date and interest amount kept changing. Until the last week, my loan was still accruing interest, even though it should not been. ( They did wipe the accrued interest. ) I have attempted to call MOHELA, but unsurprisingly, I have been unable to get to a representative. I work full time, and I can not just sit on hold for the eight hours it would likely take to get someone on the line. 

I just want my SAVE application to be processed so that I can start planning for my student loan repayment. The federal student loan website says that it typically takes 30 days to process a SAVE application, and as of today it's been about 72 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2019-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XX/XX/2019 at XXXX XXXX called from XXXX : Asked them to make note that the owner of the cell phone is in the west coast. The person on the other end stated it was noted. Reiterated that it was XXXX XXXX and that continued calls at this time would be a violation of TCPA and FDCPA XX/XX/2019 at XXXX AM call from XXXX : Request a note be made that the cell phone is on the west coast. Individual on phone line said that they didn't know if it was XXXX or not. I advised it does not matter or not that I had told them that this cell number was on the west coast before and that they were in violation of TCPA and FDCPA. I advised her to note it on her account. That should further calls that it would be reported for violation. 

XX/XX/2019 at XXXX XXXX from ( XXXX ) XXXX : No requests were made as the phone call was not picked up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX FIN XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX CO XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sent money to XXXX, transferred said deposit to Huntington Bank checking acct. Huntington debited my acct. TWICE for the same amount and 1 week later finally put the deposit into my acct. They have yet to cancel the 2 debits from my acct. leaving me with no money to purchase my medications and have charged me for 2 overdraft fees. I have explained this to them four times to no avail. I have not had my medications for 5 days now and am going to go to the hospital. The two debits were NOT done by me. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Target Card Services suddenly reduced my current credit card limit from {$14000.00} to {$6600.00} even though my account has been managed over many years in an excellent manner. The only reason that my credit card limit was reduced was due to a cancelled payment because of confusion over when my minimum payment was due. I have always carefully ensured that I paid much more than the minimum due over the past 15 or more years that I have had the Target account. I have never missed a payment except for being late one time for my XX/XX/2022 payment by a few days. Once I found out that my payment was a few days late I went on line and made a {$430.00} payment which exceeded what was due. I have been a loyal customer of Target Bank and I have never missed a payment and I have managed my account in a very responsible and timely manner for many years. The decision to make a whole sale reduction of my credit limit by more than {$8000.00} dollars was wrong and careless of the banks ' part. Just because of some confusion as to when my XX/XX/2022 payment was due and my action to cancel a payment because I thought none was due, is no reason to limit my available credit in such a harsh and irresponsible manner and especially to a longstanding, responsible, and loyal cardholder. I want Target Bank Card Services to restore my previous line of credit of {$14000.00} and to apologize for this needless adverse action that will have a negative impact my consumer credit score and status.

Company response to consumer: Closed with explanation