BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Truist has hidden the FACT that my account was hacked at least {$5000.00} around XX/XX/2023. My car payment was not processed due to insufficient funds although there were sufficient funds per my records and on theirs via phone conversations and past bank statements. On XXXX XXXX XXXX, they alerted me of fraud. Over the phone they admitted my account was hacked/compromised and refused all along even with XXXX forms of photo IDs at several branches in XXXX XXXX to provide me online banking access. The bank closed the account, credited me overdraft fees that should have never been assessed, and only printed INCOMPLETE bank statements for XXXX and XXXX, omitting the dates when the account was depleted of funds by a hacker. Even while at my visit to XXXX of the branches I heard XXXX of the bankers say how much did they take meaning someone else pulled out the funds, and that my phone had a virus and that THEY could see everything!! I did noticed that and from a XXXX man I had met called XXXX, a known criminal as a later found out, and the one that was first in question the first time I went to the branch to unlock my online access. They claimed my XXXX transaction was done somewhere else than where it actually occurred!! Preposterous! Now they claim recently that they can not provide me with any bank statements because they closed the account WITHOUT MY APPROVAL and they actually had REFUSED to let me close the account while I still had funds! This has caused me insurmountable pain and anguish, losing my business, my car, and now Im homeless because of their utter lack of transparency and occult practices!

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 2021-06-07
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They put you on hold. They don't come back to answer. Over and over again. All this info on shell point mortgage is all available thru the XXXX XXXX XXXX The company lies to credit companys. I'm 8-0 against the shellpoint on lies to the Shellpoint regarding my mortgage and credit reporting. Never missed a payment. This company tries to trap you with all kinds of fees and lies.. They have harrassed my family, and credit reporting. The government needs to hold them responsible for harrassing me and other people. I've got all the info letters of harrassment, and the lies and fees. This is out of control, so many lawsuits, just like XXXX XXXX. They paid out XXXX XXXX. XXXX XXXX is a part of shellpoint. 

thank you for your time and help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Self Financial Inc.
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX  DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Resurgent Capital Services L.P.
State: MN
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:
XXXX has not been updating my account. They are reporting my credit score at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from XXXX XXXX XXXX XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your XXXX XXXX XXXX XXXX student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Removed from report on XXXX XXXX XXXX XXXX They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

XXXX dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion continues to display fraudulent information about me. I've tried to remedy this with them in the past, but to no avail. I could care less, about a credit score, being that I am a human being and not a tool for commerce. a set of numbers do not define this human being and never will, so therefore, it is my demand that TransUnion abruptly stop, sharing/reporting my personal information, without my written consent and as far as I'm concerned, they will never have my written consent to report private and personal information about this Consumer. TransUnion has illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three 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. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB, for protecting his Personal, Family and Household.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts 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 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
At XXXX am on XX/XX/2022, I received an email notification from XXXX XXXX stating that I had a new hard inquiry from Kohls/Capital One ( also dated XX/XX/XXXX ). I did not authorize this inquiry and I do not have an account with Kohls/Capital One. 

I called Kohls to attempt to resolve the issue on XX/XX/XXXX. 2022. The customer service associate I spoke with attempted to look up any account under my full name, my zip code, or my email address. He could not find an account using any of that information. I asked the customer service associate if he could use my social security number to look up an account and he said they are not allowed to do that for security purposes. 

When I reached out directly to XXXX to resolve the issue, the customer service associate stated that hard inquiries can not be disputed and instead I need to get legal authorization to have XXXX delete the inquiry. 

I have placed an initial fraud alert on my account with XXXX, but I am still trying to resolve my issue with the unauthorized hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-12-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, my daughter 's wallet was stolen and she has authorized user cards for my Chase cards. The thief used her wallet at a XXXX charging {$980.00} on a Chase XXXX XXXX XXXX and {$990.00} on a Chase XXXX XXXX card, among other cards she owns as a result of this I reported the theft to Chase that day and had the cards replaced. 

Both unauthorized charges were made on the same day, same location and at around the same time. 

On XX/XX/2023, I noticed that the charge had been restated on the XXXX Account stating that I received the benefit, which is very surprising as I reported the issues that day the cards were stolen and had cards were replaced. Every single bank that was alerted also removed those charges, including Chase for the XXXX XXXX card, so I am a bit surprised that Chase claims this XXXX Card transaction was valid without any compelling evidence or justification. I called Chase multiple times and even the first agent I spoke to was confused why I was recharged the {$980.00}. This is in contravention of the CFPB regulation. 

As of XX/XX/2023, I have supplied additional information to Chase proving that my daughters wallet was stolen and several charges were made to multiple credit card she owns. I also included the several emails between my daughter and the police investigating this theft. Using surveillance videos, the Police and XXXX were able to pinpoint the person who stole and used the cards but have been unable to identify the person. 

I would also like to note Chase banks failure here. This XXXX XXXX is not a card that is used often, as a matter of fact, this card had not been used for at least 6 months before the transaction date and only used for mainly XXXX related purchases, yet a significant charge of {$980.00} at XXXX was authorized without suspicion? The last transaction was on XX/XX/2023 on a XXXX cruise. This is a huge failure on Chase 's security systems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 XXXX XXXX XXXX requested that PRMG disclose the information to the bank issuing the certificates of indebtedness. 
On XX/XX/2023 PRMG responded by disclosing the information. PRMG disclosed that XXXX XXXX was the loan owner. 
On XX/XX/2023 PRMG sent notice of Servicing Transfer. 
On XX/XX/2023 I, XXXX XXXX sent PRMG notice, that I did not consent to the transfer and I requested that the Credit Balance be applied to the Consumer Account. 

PRMG has sold the loan to XXXX XXXX  without my approval or consent. I do not waive my rights nor have I waived my rights under 1002.2 Paragraph 2 ( c ) ( 2 ) ( ii ). Nor do I waive my rights to a Servicing Transfer. PRMG is in default, PRMG has sold the loan without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
First, my score that I check through XXXX XXXX showed a XXXX point drop despite only positive changes to my report. Then, when I contacted TransUnion by phone, I was told the credit score was based on the information in my report and they could not explain the score change unless I logged into the TransUnion website to view my score there. Then when I attempted to do so I learned that I would have to pay {$29.00} per month to view my score in order for them to potentially explain the decrease. I do not feel comfortable doing this as I just want to understand why my score went down if only positive changes were made to the report. I believe this is unethical since this affects my ability to improve my borrowing ability and my ability to retain housing for my family in the future.

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 2023-06-22
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/XXXX I called the company ally financial to try and pay of whats left of my load total balance {$5800.00} which is stated on my account with a payment due of $ XXXX breakdown of the {$4000.00}, includes current payment XXXX, past due {$1800.00}, late charges {$1000.00}, other charges {$400.00} but the representative of the bank told me the payoff due is {$7300.00} without any explanation other than when the car was repossessed and that I still own money for the tow and fees also it saids on the account 6 payments left and 1 pending which is due XX/XX/XXXX XX/XX/XXXX I called the company to speak with someone about the payoff load and they couldnt give a answer why I cant pay {$5800.00} which is my total balance on the account and to get my title but they will send a letter which it will collect more interest due to the message if paid after XX/XX/XXXX I will pay an additional {$1.00} of interest

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 2022-07-15
Company: EQUIFAX, INC.
State: TN
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 Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
JP MORGAN CHASE DECLINED A HOME EQUITY LOAN BECAUSE, JP MORGAN CHASE INSISTS ON REPORTING DEROGATORY REMARKS ON MY CREDIT REPORT. I SPOKE TO JP MORGAN CHASE When I had COVID XXXX AND INFORMED THEM I MISSED A PAYMENT. I ASKED THAT THEY NOT SHOW ME 30 DAYS LATE DUE TO XXXX XXXX. I WAS TOLD SINCE I HAD COVID AND CALLED IN THAT TGEY WOULD NOT REPORT IT TO THE BUREAUS. THEY INTENTIONALLY REPORTED IT TO INSURE TO DRIVE MY FICO SCORE INTO THE GROUND AND PREVENT A HOME EQUITY LOAN. FICO IS ALSO TO BLAME FOR THIS BY HIDING CREDIT SCORE FROM THE CONSUMER. IF THERE WAS ONLY XXXXNE SCORE THERE WOULD BE NO DECEPTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from National Credit Adjusters stating I owe money to. XXXX XXXX. 

I never took out a loan in XXXX. The company does not have the location of the loan just the date of XX/XX/2018. 

I would like to dispute this information as it may be identity theft. 

This information does not show up on my credit report. 

National Credit Adjusters reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-03-22
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT REPORT AND SEEN THAT SOMEONE HAS BEEN APPLYING FOR CREDIT AND I HAVE NO KNOWLEDGE OF THIS AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT FOR FRAUD.             Inquiry date
XXXX XXXX XXXX
Removal date
XXXX XXXX
Additional details
Business type
Finance, personal
Contact info
Address
XXXX XXXX XXXX XXXXOHXXXX
Phone number
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 non-monetary relief
Consumer complaint received 2021-07-01
Company: WELLS FARGO & COMPANY
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:
My personal identifying information was stolen and I have inaccurate information reporting on my credit that I am not aware of. Please remove these items from my credit report immediately.

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 2016-06-21
Company: LEXISNEXIS
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This very small insignificant CRA typed the following verbatim response to the CFPB one month ago : LexisNexis Risk Solutions ( " LexisNexis '' ) responds as follows to XXXX second CFPB complaint against LexisNexis ( Case Number : XXXX, filed on XXXX/XXXX/2016 ) : In XXXX latest CFPB dispute, Case Number XXXX, he disputed that LexisNexis did not address his concerns in his initial CFPB dispute, Case Number XXXX. We apologize for any confusion we may have caused XXXX XXXX. The duplicate liens and addresses XXXX XXXX references are not being reported in consumer reports provided by LexisNexis. A copy of XXXX reports will be mailed to the address referenced in his complaint. 

If XXXX XXXX has additional concerns he may contact the LexisNexis Consumer Center at XXXX, during the hours of XXXX and XXXX EST Monday-Friday.

Company response to consumer: Closed with explanation