BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account that is unverified on my report the I have filed a FTC ID THEFT REPORT. I am looking to buy a home this year and I have done everything to deal with this account with no help from 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 2020-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/20 I was reviewing my monthly transactions ( via XXXX XXXX and noticed a high charge that I did not recognize on a Bank of America credit card that I reserve for emergencies only. The charge was on XX/XX/20 for {$520.00} at a XXXX XXXX in New York ( which is where I reside ). Upon seeing this charge I immediately called Bank of America and reported that this was fraudulent and they began a claim, sent me a new credit card and advised me to cut up the old card. 

I received a response from Bank of America today, XX/XX/20, that they were denying my claim saying " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' First, there is no pin number for this credit card, so no pin was used. Second, I did not make this charge therefore my signature could not have been used and I have yet to see proof of a signature. Thirdly, no one knew I even had this card and I absolutely did not give anyone access to it and there are no authorized users. 

I am trying to appeal the denial of the claim, but was advised to also submit a claim to the CFPB.

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 2023-01-22
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital Systems placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Selene Holdings LLC
State: NY
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:
My loan has been in the modification status since XX/XX/2020. My payments have been made on time up until this month. The mortgage company reported on time payment every month except XXXX/XXXX even when they were paid the first of every month. I tried for two months to contact someone and to no avail you can not speak to anyone. I sent emails and called the company and nothing has changed. The company corrected one month and then posted late the following two month. With this reporting my credit score has dropped 50 points and this will prohibit me from refinancing in the future. I take full responsibility of all late payments prior to the loan modification due to being laid off from XXXX XXXX after 27 years. I am looking for your assistance in any way you can. Hopefully i can get this resolved quickly 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 2020-11-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BB & T acquired our condo mortgage from XXXX XXXX this year. The condo association purchases flood insurance. BB & T has been provided with evidence that the flood insurance coverage is current and adequate. The BB & T web site actually shows active flood insurance for our account. HOWEVER, BB & T HAS SENT TWO LETTERS STATING THEY HAVE NO EVIDENCE OF FLOOD INSURANCE AND THEY WILL PURCHASE FLOOD INSURANCE AT OUR EXPENSE. The first letter was dated XX/XX/20. I have made several attempts to resolve this issue with BB & T. It is apparently not possible to discuss the problem with a human being by calling the phone number provided in the BB & T letters. Although BB & T does not provide an email address for customer service issues, I did locate an email address for XXXX XXXX XXXX of BB & T. Mr. XXXX did not respond to my email. Apparently, Mr. XXXX and BB & T do not prioritize customer service.

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 2018-03-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A credit report dispute was submitted to XXXX on XX/XX/XXXX and completed XX/XX/XXXX via XXXX XXXX in regards to XXXX XXXX XXXX, XXXX. I contacted XXXX to request " debt verification '' letter because I was unfamiliar with the alleged debt they were trying to collect. I was unsuccessful, XXXX was very uncooperative so I enlisted the help of the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and forwarded supporting documentation. The XXXX acted as an intermediary and relayed my debt verification request to XXXX for a second time on XX/XX/XXXX. After some investigation we found that all the contact information on the account belonged to a totally different person. XXXX still maintained that there information was correct. 

More than thirty days have passed since the initial inquiry and XXXX has not been able to provide sufficient proof of alleged debt, so I am requesting that the debt for {$1100.00} from XXXX XXXX XXXX XXXX XXXX, XXXX be removed from my credit report expeditiously. 

Please notified XXXX that if you do not comply with this request, immediate action will be taken against them with the Federal Trade Commission and the Florida Attorney Generals office for violation of Fair Debt Collection Practices Act Section 807 ( 10 ( 11 ) and 809 ( 15 ). Civil and criminal claims will be pursued.

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 2020-11-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Unable to file a dispute with Credit bureau in regards to inaccurate account on my credit. XXXX XXXX XXXX is reporting on my credit and can not provide a contract with my signature proving that I opened this account. It was opened falsely years ago. I would like to the valid proof that I own this account because I never did. Its also been on my credit for 7 years. Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Navient Solutions, LLC.
State: WI
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:
Navient used high pressure sales techniques to get me to consolidate my loans and take frequent forbearances.  When i asked if there was any down side or reprecussions, they continually said "no".  Come to find out that because I consolidated, I am not eligible to have XXXX  Loan forgiveness, even though I spent 13 yrs. as a XXXX and 5 yrs. as an XXXX in a XXXX XXXX district. They have continually refused to take responsiblity for this and have consistently denied my application for XXXX Loan forgiveness sighting that my loan consolidation makes me ineligible!  Had I known this, I would have never consolidated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: MO
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 was looking over my credit report today and I noticed that an inaccurate account listed by XXXX XXXX XXXX now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

XXXX and XXXX are both reporting this inaccurate account which is damaging my credit. Neither XXXX XXXX XXXX, XXXX nor XXXX has provided me with any kind of validation of debt and I've asked multiple times. This is in clear violation of my rights.

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 2020-11-01
Company: EQUIFAX, INC.
State: MO
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 was looking over my credit report today and I noticed that an inaccurate account listed by XXXX XXXX XXXX now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

Equifax and XXXX  are both reporting this inaccurate account which is damaging my credit. Neither XXXX XXXX XXXX, Exquifax nor XXXX has provided me with any kind of validation of debt and I've asked multiple times. This is in clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: SYNCHRONY FINANCIAL
State: CT
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:
This is what I sent Lowes I recently picked up order XXXX ( which wasnt ready for about a week but Im not going there ) when I got there everyone was in a rush trying to get the order together because no one started it. Through the rush I never received the paperwork. 
I just got my credit card statement and was charged incorrectly. The material on the order was supposed to be free. Please see the attached pictures showing the order and confirming. 

I called the store they said it was a glitch I called cc company back in XXXX and every two weeks since. Today the credit card stated theres nothing they can do XXXX today when I called to follow up ) Lowes charged me XXXX for Material that was supposed to be free. I have pictures showing that. I could have gotten better grade material for less than 1/2 of the price

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 2020-11-01
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice letter from U.S. Bank dated XXXX/XXXX/2019 telling me they received a replacement insurance policy with XXXX  XXXX  and that I should cancel my previous insurance. U.S. Bank then made a payment for {$1000.00} to XXXX  on XXXX/XXXX/2019, but the problem is I never changed insurance carriers and when I contacted US Bank on XX/XX/2019 they stated that the payment had been made to the wrong account under someone else 's name. The initial phone call on XX/XX/2019 did not resolve the issue and the customer service rep said it was in Supervisor Review, because of its unusual nature. I asked for a letter to explain what happened and asked for them to give details on fixing the situation. After never receiving a follow-up letter, I called two other times and both times receiving run-around and numerous holds by customer service staff that would only say it was in supervisor review and give no details. Finally, after I insisted the representative give me contact information for the supervisor in charge, which they previously wouldn't do, they finally gave me a phone number for XXXX XXXX XXXX XXXX XXXX XXXX. I called the number and left a voicemail and never got a response. I called the number several other times and it would go to an automated voice immediately saying " Good Bye '' and instantly hang-up. It's been almost a full year and I have gotten nowhere with U.S. Bank and they have not returned the {$1000.00} they took from my account and I feel like I've been defrauded.

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 2020-11-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
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:
Filed Chapter XXXX Personal XXXX  in the State of Wisconsin. Court Order for Payment plan submitted and accepted by all creditors. Bank Creditor is not reporting payments made, just reports payments not made or marks account as a charge off. This is false. The account is not a charge off. The account is being paid, monthly by the Court Appointed Trustee. Creditor continues to charge penalty and interest and fails to report payments made by Trustee for Debtor. Balances are still incorrect on reporting. Debtor has submitted all records of payment to Bank Creditor. Spoke with Bank Creditor twice. They said they would fix the account. Received an email from Bank Creditor stating someone would be in contact. None of this has happened to date. This has been ongoing for well over 10 months. I have proof of payments, Court Order, etc. and communications with Bank. Just because they are a Bank providing a bank-issued credit card doesn't mean they can be selective in their reporting. If they can report negative items, they can also report positive items. They have failed to report payments for the past 10 months. False reporting. False account totals.

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 2023-06-14
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My truck was repossessed in XXXX, later went through a bankruptcy and completed it in XXXX. 

I was called on XX/XX/XXXX by someone XXXX threatening to serve me papers or settle for a lower payment of {$1200.00} apposed to the {$7500.00} they said that i owed from the XXXX repossession, to settle the debt. I needed to call back before XXXX to make the agreement or the papers would be served and i would need to hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Pinebrook Holdings, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Saturday XX/XX/XXXX, I got on to try to change my payment date. I seen a link that said change payment or something along those lines I did it and they ended up charging me a {$65.00} payment XXXX in a few days. I emailed them from their customer service contact link wanting to change my due dates from what it is to Fridays. Their solution was to change the information into a new loan extending my payments and their interest. I told them if they can not just change the payment dates without trying to put it in a new loan gaining more interest I was done. They went against my lending rights by not allowing me to change my due dates without them trying to collect more interest payments by extending the loan. I have the email conversation saved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I spoke with customer service agent at XXXX  so many times i also sent in my driver license social security card disputed by mail and online they are still reporting my credit information wrong my address is wrong ... they have fraud alerts on my account that should have never been there or removed i disputed an account possible filed a complaint disputed in the mail and the account is still on my report I done everything correctly and I not getting anything accomplished else can i do to have them report my information correctly wrong address and to removed collection off my report

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 2020-11-01
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX the XXXX, I recieved a loan from the SBA, they sent me XXXX on XX/XX/XXXX at XXXX XXXX.XXXX., the money was available all day until about XXXX. I then received a phone call from citibank, stating I needed to approve some transactions, and answer some security questions, when I called, it went from that, too my account is being frozen from me putting buisness funds, with personal money, being told this was okay for me too do by the loan officer at the SBA, I did so, well they froze my account on XX/XX/XXXX, and have yet to either release my funds and let me use them, or have yet to send them back to the sender/sba. I need help with getting my money sent back, or released too me, because, when I call citibank, they lie too me, hang up on me, and have been told different things by many different people at citibank fraud dept and customer service, ive tried calling at least 70 to 100 diff times, and faxed over note after note, at least 100 faxes, still nothing, here I sit with out my money, its ruining my life, that money was meant to help me out, and now im struggling more than ever at the expense of citibank. They have the worst customer service dept I've ever experienced, plz help me get my money back ty p.s. I have sent in my loan docs, my tax info for XXXX XXXX, and I have sent in my DBA and my EIN for my buisness proving who I am and who my buisness is, I sent this info in on XX/XX/XXXX and nothing has changed still lied to by customer service and told nothing basically. PLEASE HELP 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 2020-11-01
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've seen no changes for the accounts that I have filed last month. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: OH
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 accounts that were included in the bankruptcy but still listed on my credit report. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2019-11-23
Company: ID Analytics, Inc.
State: NY
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:
My identity has been compromize, accounts that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's into to this complaint, a plolice report will be filed as is requested by FCRA.

Company response to consumer: Closed with explanation