BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When Truist bought Suntrust Mortgage and BB & T, I now h

ave 2 mortgages with Truist. 1. Primary residence mortgage. ( a ) When I transitioned to from the Suntrust Mortgage online system to Truist system, this mortage failed to appear. There seems to be no way to link it. I called customer service have been on hold for half an hour and no one is answering. ( 2 ) for tax year XXXX  I have not received a tax form ( today is XX/XX/XXXX ), since this account isn't appearing online I can't access this form online either 2. Second property mortgage. When I transitioned from the BB & T website to the Truist website, there are errors on the mailing address which can not be fixed online. Again, I called customer service have been on hold for half an hour and no one is answering. 

This is an unimpressive start to my banking relationship with Truist

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 2018-12-11
Company: EQUIFAX, INC.
State: NC
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:
During XX/XX/2018, I disputed specific accounts and inquiries via mail that are fraudulent on my credit report. I am a victim of Identity theft and it is vital that all of these items are blocked and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company ERC has repeatedly violated my rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial and XXXX XXXX. For starters, they're reporting erroneous & unverifiable collection account to all credit bureaus in which I've asked for proof of claim and they continue to send me bills. This negative was deleted off of my credit report last year and it reappeared this XX/XX/2019. I am aware of the many complaints against this company thus far and yet they're still in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
During XX/XX/2018, I disputed specific accounts and inquiries via mail that are fraudulent on my credit report. I am a victim of Identity theft and it is vital that all of these items are blocked and deleted.

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 2018-02-04
Company: American Credit Acceptance, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
in XX/XX/XXXX I Financed a car thru American credit acceptance, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation. They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX sent mail regarding removing the account from my profile then 2days later sent a letter stating I am liable for the 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 2023-02-20
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:
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 inaccura
te.

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 2021-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom this may concern By the Fair Credit Reporting act. The list below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( c ) section States : no consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by the seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-12-11
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:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX ) XXXX, what's even worst, the account is reported twice on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: The Receivable Management Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt is not accurate and neither XXXX or RMS can verify the correct detailed information on the amount they are asking for. Invalid debt. AND after requesting further information bc of in accurate documentation they sent a letter 10 days later still claiming I owe their amount of debt. I was under the impression that if i dispute this debt they are not to pressure me for 30 days. They will not listen when I say the documents are inaccurate and do not show the amount they are asking. They repeatedly call when I asked them to stop. They said this isnt up for debate and I owe that amount and they are reporting 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 2023-05-20
Company: Experian Information Solutions Inc.
State: SC
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. 

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, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, 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 XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Dynamic Recovery Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mid XX/XX/XXXX, my husband received a call from Dynamic Recovery Solution stating that we owed on from XXXX. The account they are referencing has been settled and paid and isn't even showing on my credit report. I can provide documentation that the debt was in fact paid and they continue to call and send messages. 

They then sent me a letter with the same information on XX/XX/XXXX. I contacted them and inquired about this. They again referenced the same account that we had paid. They stated it was past the statutes of limitations. I asked for them to send me documentation of said account and they said they could " put in a request to their manager '' to have that information sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019, my daughter was transported by XXXX ambulance service from XXXX XXXX XXXX XXXX XXXX to another. Both facilities are in network, yet XXXX is not in network and charges more than double the allowable amount. XXXX XXXX processed the claim as in network and they were paid for 2 trips instead of one.

XXXX erroneously charged ( 2 ) trips because their driver first drove my daughter to the wrong location. They acknowledged over the phone that this was an error and promised to adjust. They have now been paid double by XXXX and continue to bill me. The debt collector said that it doesnt matter that there is an erroneous charge and that it is under review because the debt has been sold to a collector. 

I told the aggressive collection agency that the case was under review and to stop calling. Despite several requests I still have not received a copy of the trip journal, documentation of the ( 2 ) trips or charges, or a copy of the release for my signature to receive such trip documentation. 

In the meantime, Professional Bureau Collections of Maryland XXXX ( XXXX XXXX ), collections has aggressively called and left messages despite being informed that the case is still under review. I just received a message that they have now contacted my employer. This is inappropriate and must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted Equifax several times to dispute many duplicate credit inquiries ( 12 total ) from XXXX XXXX XXXX XXXX, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

Equifax is able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: CT
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.

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 2019-11-11
Company: FIDELITY CAPITAL HOLDINGS, INC
State: WA
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:
On XX/XX/2019, I received an e-mail from XXXX ( the company I file my taxes through ) with an unusual subject line. The message in the body of the email stated : " ... your debt in collections has gone up. Your XXXX  credit report shows that the debt you owe to collectors has increased to {$2300.00}. '' However, I was alarmed as I did not recognize any of the company names and upon research, the location of the companies are ~1,500 miles from my current location. It was through the tax report portal that I saw and knew of this " collections charge '' for the first time. 

On XX/XX/2019, I filed a dispute through XXXX  to report " collectors charge '' as a fraud account. The report was completed on XX/XX/2019 stating, " INVESTIGATION RESULTS - VERIFIED AS ACCURATE '' Though there are additional details in this report, none of the details, I recognize nor do I understand where they originated from. I've never done business or have interfaced with the " Original Creditor '' company, opened in account to my knowledge, nor have used their services by any means. 

I have never been contacted about this other than by the update from XXXX and no other communication or notifications by any of the parties seemingly involved. I am requesting support, investigation, and clarification as to how this occurred and as to how this can be solved. Thank you for your time in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/2019, I received an e-mail from XXXX ( the company I file my taxes through ) with an unusual subject line. The message in the body of the email stated : " ... your debt in collections has gone up. Your TransUnion credit report shows that the debt you owe to collectors has increased to {$2300.00}. '' However, I was alarmed as I did not recognize any of the company names and upon research, the location of the companies are ~1,500 miles from my current location. It was through the tax report portal that I saw and knew of this " collections charge '' for the first time. 

On XX/XX/2019, I filed a dispute through TransUnion to report " collectors charge '' as a fraud account. The report was completed on XX/XX/2019 stating, " INVESTIGATION RESULTS - VERIFIED AS ACCURATE '' Though there are additional details in this report, none of the details, I recognize nor do I understand where they originated from. I've never done business or have interfaced with the " Original Creditor '' company, opened in account to my knowledge, nor have used their services by any means. 

I have never been contacted about this other than by the update from XXXX and no other communication or notifications by any of the parties seemingly involved. I am requesting support, investigation, and clarification as to how this occurred and as to how this can be solved. Thank you for your time in advance.

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