BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: BB&T CORPORATION
State: SC
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: Problem with personal statement of dispute

Complaint:
My wife and I have had a business line of credit with BBT bank, now XXXX for over 12 years. 

For the past 13 months we have asked for a paper statement on our accounts to be sent to us so we can track activity, verify balance and make proper payments on time. 

The bank has not followed through and now has placed a 30 day late on our account. 

We have tried multiple times through, phone and in person visits to our branch to correct this issue with no avail. In fact the bank seems unwilling to work with us in any fashion. 

We have to call the bank each month to verify the amount due because the interest rate is variable and the balance also varies on our business needs. This is the reason why we have requested paper statements. In addition, we file these statements in our business records for reporting reason.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Months ago, I sent a letter to the three credit bureaus asking them to delete 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2019-12-18
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen/PHH placed homeowner in foreclosure using questionable methods of inaccurate accounting, and has potentially been found to be Dual Tracking ( illegal in MN per the sheriff office phone call ) the process. Phone calls and Emails directly to the company have been made by the homeowners on many different and recent attempts, and outside services have been notified by the homeowners of this unnecessary situation, yet the company has eluded the provision of accurate or relevant answers. 
The company seems to have a difficulty applying the payments the company received on time and in advance since the beginning of the loan. ( See submitted paperwork ) They have held payments in a suspense account from XX/XX/XXXX-XX/XX/XXXX charged late fees, sent the suspense money, which was held for 7 months, back to the homeowner, and proceeded with reinstatement quotes in lieu of the foreclosure that was initiated. 
The homeowner has repeatedly asked for clarifications without receiving any response. 
They have reported to the credit bureaus late payments and foreclosure literally destroying credit worthiness of the homeowner for any future financial decisions. This seems like a hostage arrangement. 
There is a financial nightmare that was created because payments were made but not applied. 
They have failed to send relevant and timely communication when asked about any statement errors. 
The company coerced a poorly structured loan modification with a balloon payment in XXXX by doing the exact same payment withholding practice, knowing that a loan modification would hinder any conventional refinance options. 
The Company name has recently changed in XXXX, but the practices have not, and now the company has made the homeowner out to be the one in error, thereby potentially forcing a foreclosure sale ( It is scheduled XX/XX/XXXX at XXXX ) despite homeowners many efforts to dispute and gather any accurate account information, and have the company correct their accounting practices -- mismanagement of funds The MN Dept of Commerce was included in the Complaint. 
The MN Attorney General was included in the Complaint in XX/XX/XXXX and has not received any word from Ocwen/PHH. 
XXXX XXXX has claimed over the phone ( XX/XX/XXXX ) a foreclosure has been postponed, but as of XX/XX/XXXX, as I type this, there has been zero proof of postponement per the MN state law, so the homeowner will be at the courthouse in MN at the scheduled time in the morning just to verify the accuracy of the phone conversation. 
Ocwen/PHH is extremely untrustworthy and has attempted this practice many times on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts 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 non-monetary relief
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: MN
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:
Delete these hard inquires in such an action of a complaint will be filed with identitytheft.gov. 
Also an improper use of my credit report and violates my right to consumer privacy/company used improperly by law. Unauthorized hard inquires/did not submit nor authorize applications for such credit as follows. 

XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to start off by saying my original financing of my home with Wells Fargo was seamless. It was only when they offered to refinance at a lower interest amount did things become so complex. I began my refinancing nightmare on XXXX XXXX I am still in the process as of XX/XX/2021. I have too many emails back and forth to count. To sum it up Wells Fargo has taken every angle to try and prolong this experience examples include hiring the wrong appraiser and then trying to get me to pay for it and then spending over a week investigating if I should pay for them picking the wrong appraiser. The next is getting me to submit information multiple times and then just to turn around and say it will not work. I would not wish this experience on my worst enemy, at this point I believe Wells Fargo does not want to refinance for the lower rate and this is their attempt to bully me into submission.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-17
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX XXXX Account name : XXXX # XXXX XXXX  # XXXX Account name : XXXX XXXX  XXXX Account name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account name : 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 explanation
Consumer complaint received 2021-12-14
Company: Regional Management Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company say a live check was sent out in my name and was deposited into a account not linked to me without and signature on this live check they created without my permission.. Ive requested information under the ( FDCPA ) twice, once on XX/XX/21 and XX/XX/21 which I requested certain documents and didnt receive all of those documents I have requested from the company Regional Management. I will send copies of both letters show the request that was giving

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 non-monetary relief
Consumer complaint received 2023-03-14
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of XXXX I turned in an XXXX XXXXXXXX after leasing for 3 years from XXXX XXXX : upon purchasing a XXXX XXXX from XXXX in XXXX SC and financed through Ally Financial at 19 % APR my credit was. XXXX and now XXXX. Ally Financial has reported negative information to the credit bureau since XXXX of XXXX. Despite all of my efforts to make payments monthly for {$420.00} and most of the time {$430.00} or {$450.00} all of my hard money is ongoing toward interest and LATE CHARGES! I have contacted Ally Financial numerous times asking for my due to be changed from the XXXX of each month to the XXXX of each month since I have retired. I do not understand what that company is doing with my monthly payments of the amounts mentioned above. I even asked for a decrease in the APR and was denied twice. I am very upset in the way that I am being taken advantage of financially with this company and no one is available to solve any problems. Thank you for your attention with this matter that seems impossible to resolve. At the present time for XXXX payment the company stated that I owe {$850.00} I don't understand how this company can revolve late charges continuously for months and months.

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 2023-04-25
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
- XX/XX/22 - Opened a new checking account using a Promo that required to deposit and mantain a minimum balance of {$75000.00} for 60 days to receive a {$1000.00} bonus - XX/XX/22 - Transferred a total of {$75000.00} to the citi checking account from XXXX - early XXXX - Reached out to Citi to inquire on bonus status. They said I need to send them a completed W-9 form. I send the requested forms to Citi XXXX XXXX - early XXXX - Reached out to Citi, they confirmed received of W-9 form. Said to wait another week - mid XXXX - Reached to Citi again, created a ticket ( XXXX ) to follow up on the bonus status. Said it went to management level and they have to approve/complete - late XXXX - Citi says they still waiting on management to approve - XXXX - Still same status. Nothing CS can do to expedite the process

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 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank promised {$200.00} welcome bonus after I opened a new business checking account over the phone and deposited {$3000.00} in new money. I followed all the terms and conditions and the {$200.00} bonus was supposed to be deposited within 60 days. After 77 days, I still did not receive the bonus. I called in 2 times with phone calls of 41 and 45 minutes. At first they said i did not qualify, Because it was a transfer and not new money. This is not true. It was a check deposited from another bank. They they said it appears that I qualify and the bonus was not applied due to an error and they finally agreed to submit an inquiry and told me to wait another 60 days. 

Account Opened : XX/XX/XXXX {$3000.00} deposited : XX/XX/XXXX XXXX Bank of America : XX/XX/XXXX ( 1.5 hours on the phone )

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts.

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All is being investigated by the FTC

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 2023-05-30
Company: EQUIFAX, INC.
State: KS
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, KS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this letter about XXXX ( XXXX XXXX XXXX XXXX This account does not belong to me. This is fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud.

Please also remove these inquires as I did not grant anyone permission to access my credit, did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these addresses that do not belong to me, I have never lived at any of these addresses : XXXX XXXX XXXX XXXX XXXXXXXX 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 Please also remove all employment information as I am not working.

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 2023-09-26
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation