BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
It is illegal in the United States for a credit bureau to charge for a credit freeze, so Experian makes it almost impossible to place a security freeze on one 's personal credit report. An answer to the attached letter of XX/XX/2019 ( Exhibit A ) would be appreciated. Exhibit B was an attempt to get an answer on line. I have never had a problem with any other credit bureau.

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 2020-07-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX XX/XX/2020, and XX/XX/2020 I made two mortgage payment to 5/3 bank. The fist payment amount was for {$690.00}, and the 2nd amount was for {$690.00}. Two months payment for the month of XXXX were made erroneously due to a computer malfunction. One payment was only meant to be made. The computer at that time did not show a curtailment had been made to the account and the new payment amount was not reflecting when I made those payments. 
After about a week I checked my bank account and realized that I had made two payments instead of one. I was okay with making two payments. I was hoping that one payment would be for the month of XXXX. After about a few days I started getting phone calls. I didn't answer because I was working. I called back later only to be informed that my payment had not been made. I spoke to a representative the first time ; who explained to me that I had made an incomplete payment. So she suggested that I take money from principal and apply it to the payment. I agreed since it seemed like the most logical choice. A few days passed and I received another call from 5/3 bank. Asking why I had not made my payment. I explained to the second representative that I had spoken to someone already. They told me they had no record of it. I called the customer service back again. I was explained that my original request was denied because the way the first representative applied the payment was incorrect. By this time I am on the 3rd or 4th representative. I asked her what I needed to do to ensure that I am not late or that it reflects my credit report. She advises me again to take money from the curtailment and apply it to the XXXX 's payment. Which again I agreed. After, two days I get another call from 5/3 bank asking why I had not made a payment. At this point I told the representative to please check his notes before I spend 30+minutes on the phone explaining the same thing for the 3rd or 4th time. He initially told me he couldn't see any notes. I asked if their systems don't talk to each other. After a few minutes ; he goes on to say, that " he does see the notes ''. I asked him if he could please make a note to ensure that I have spoken to a customer service representative and to please stop harassing me during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THE INDIVIDUAL WHO WAS ABLE TO OPEN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Mr. Cooper Group 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 is missing that should be on the report

Complaint:
Contacted Mr. Cooper since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as XXXX   does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from Mr. Cooper that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX allow an protect an identity thief whose use one card fraudulent linked to my social security. They ruin my credit and when I call they laugh about me and transferred the call 10 times and hang out the phone 13 more times. I do n't know what to do, I called several times to the credit card but they are hanging the phone on me, they are protecting the thief and they do n't want to recognize that they failed in the identity verification process for over 20 years. The person who is using the card is my father and they have been send the statement to his address for over 20 years. I did n't know about this situation until a Lender Company in XXXX NM run my reports and found this problem with the credit card. I asked several times where they are sending the monthly statements or who paid for the card, but the credit card company did n't want to help me and protect the thief.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. Those items were removed but then reappeared back onto my credit 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 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The issue is with Transunion. They claim to have an online dispute process but the website actually does not provide a way to open a new investigation. I called Transunion 4 times this week, spoke to 4 different people and a supervisor and I still not able to open a dispute for an item I see on 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 explanation
Consumer complaint received 2020-12-04
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
SImple.com will not accept my lease as proof of residency. They will not accept my mailing address. So, I told them on several occasions to close the account. maybe a dozen times of the last month and it is still open. I have a XXXX  balance. There is no legitimate reason for them to be keeping my account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
my wife passed away in late XXXX. right away i noftifed them take i would not be able to pay debt for very long. paid 3 months and every month told them that i could not pay any more because my wifes income was gone. my ss droped to XXXX plus XXXX pension total XXXX iam XXXX yrs old disable with health problems can not work. paying on a morgage on our home XXXX a month XXXX lot rent plus utility bills of over XXXX a month. the virus causes more problems people are not buying and i need special needs not in other home.s they tapped my phone lines XXXX i took the line off service. then my cell phone got taped and connot find a way to fix it. the company said there is no way./ they talk to me sometimes all night at all times my chimes on clock go off on half hour and the hour they scream over the phone to mimiake that. they scream to get up the coffee is ready. and every thing else they can do to keep me awake during the night. as i told them there is no way ever to pay the bills. i talked to federal attorney in XXXX and he told me they have no way to collect when there is no money. i took care of my wife for almost 4 years from XXXX  a sickness with no cure. bills were high and i did what i had to do. the listen to me XXXX a day. you must send me a letter to talk. .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , pa . XXXX. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem getting your free annual credit report

Complaint:
I cant get my credit report sent to me from transunion please help i get one a year and they are telling me i have to send info too them

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 2017-11-04
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX XXXX, 2017, received a collection letter from Receivables Performance Management , LLC,, trying to collect {$2000.00} for my debt..I did not contact RPM because it was in dispute.. The XXXX Georgia BBB settled {$880.00} on this account because I was charged anyway after I was cancelled..I did not pay the {$2000.00} because I did not know the correct amount or whether the {$880.00} was ever deducted. 

RPM, LLC. XXXX XXXX. XXXX XXXX, XXXX, WA XXXX XXXX Office Hours M-F XXXX ; XXXX XXXX to XXXX XXXX Pacific time Sat - XXXX XXXX to XXXX : XXXX PT Thank you.

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 2020-07-15
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im trying to set up an online investment portfolio. PNC Bank is saying the dont support this. Its my money and wish to invest it and am being told I cant spend it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Porania, LLC
State: GA
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 feel like a lot of things on my credit should be moved. They are old. The addresses are old.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Bay Area Receivables, Inc
State: DE
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:
There is no delinquent account and this company Bay Area Receivables has not responded to my communication attempts regarding an incorrect claim that I owe someone {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: FL
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX  It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report Gramm Leach Bliley Act ( GLBA ) Privacy Notice SHEFFIELD FINANCIAL a division of Truist Bank Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signedinvoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Im challenging this account with Sheffield of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the XXXX I will further pursue all of my legal remedy without further notice to SHEFFIELD FINANCIAL. I have attempted to resolve this matter formally before filing a complaint and lawsuit! SHEFFIELD FINANCIAL a division of Truist Bank actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Relief from Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering. I am writing to dispute an account XXXX fraudulently opened in my name. I am a victim of identity theft. SHEFFIELD FINANCIAL are attempting to collect an alleged debt on the basis of fraud.I DO NOT HAVE A CONTRACT WITH SHEFFIELD FINANCIAL. I DO NOT GIVE SHEFFIELD FINANCIAL a division of Truist Bank AUTHORIZATION TO PUT ANY REMARKS ON MY CONSUMER REPORT. 15 U.S. Code 1681n - Civil liability for willful noncompliance.

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 2020-12-05
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-07-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my Wells Fargo Micro Center credit card in full in XXXX, but they charged me interest of which I was unaware until I tried to use the card in XXXX. I asked them to rescind the charges, but they refused to do so. It was a paltry amount of money, {$27.00}, which I paid to appease them. My Credit Score has been negatively affected due to this, as I see it, fake interest charge and negative reporting on my credit. I spoke with a man named XXXX with Wells Fargo to dispute their negative reporting, he took my complaint and submitted it, however, he is unaware of the CFPB or what its real function is. He said that it will take ten days or more to get an answer by mail regarding my complaint.

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 2020-11-09
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a billing issue with XXXX XXXX XXXX which later I paid her XXXX for her wrong charges of XXXX dollars but she perhaps failed to inform her collection company to correct the information on my credit 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 explanation
Consumer complaint received 2020-12-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I spoke with XXXX at Suntrust Mortgage, and asked for a Covid 19 Care 's Act Forbearance. XXXX assured me that I had been accepted for the Care 's Act forbearance.. 
I have been barrowing money from my family to make my payments as a result of XXXX XXXX temporarily closing do to the pandemic. On XX/XX/XXXX Suntrust sent me a letter, informing me that I was automatically placed into a Suntrust Forbearance ; in which I had declined, because that would put me in foreclosure and bankrupt me. As a result I have contacted Suntrust Mortgage eight times in the last thirty three days, stating that I do not agree to, or except a Suntrust Forbearance, and that I am eligible for and want a Federal Care 's Act Forbearance. Their re sponce to me has been very mixed, and came down to todays contact with one XXXX XXXX, at XXXX XXXX. who informed me that they don't offer any other forbearance accept the Suntrust, in which they have automatically placed me, by way of which they have asked me to write a letter of hardship back in XX/XX/2020, then they disclosed their terms, and I declined, and managed to make my payments until now. Also, for this reason they refuse to take me off of their program, and put me on a Care 's Act Forbearance ... On XXXX XXXX I sent Suntrust a notorized copy of my complaint.

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