BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went onto the Truist website to check the amount balance on my mortgage. I then went to make a payment and the option to go directly to the mortgage company is no longer available. All of this occurred on XX/XX/22. I have tried to call the company and I have been on hold for over 2 hours. When I was connected to a live individual, then they said they would issue a complaint which will be noted about the website. I asked how I can pay my mortgage, and the individual provided no response. I was then suggested to be transferred again with no support. There is no way to contact the bank through email to have my complaints addressed. On the website it states that if you login, then all services will be available. However, once logged in there is no website to pay online. To pay over the phone is an additional fee. The last occasion I paid in person, the amount went missing and applied incorrectly. When I last sent in an amount via snail mail, it was not received in time and I received a penalty. Therefore, having a mortgage site up and available for easy access to users would solve the problem. However, Triust Bank/ Mortgage does not support their customers.

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 2018-04-09
Company: Experian Information Solutions 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:
CRA VIOLATION INACCURATE ADDRESS, NAME AND INQUIRIES APPEARED ON MY EXPERIAN 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 2022-12-05
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CCS Financial Services, Inc.
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 have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my updated credit report and found several errors which I believe are inaccurate and unverifiable. The accounts listed below affect my credit scores and cost me thousands of dollars a year. Please re-investigate the account identified as inaccurate. I look forward to seeing my information updated to reflect the appropriate changes. 

XXXXXXXX XXXX XXXXXXXX & 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 2020-11-10
Company: DISCOVER BANK
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:
On XX/XX/2020 Discover Financial Services placed an inquiry on my report. I responded to a Pre-Approved offer by XXXX that stated that my credit report would not be effected. I did not authorize Discover or XXXX to place this inquiry in my report. Although XXXX  guaranteed that my report would not be hurt, it was done against my will. 
I have tried contacting Discover numerous times by phone but no one answers to my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I will start off by saying that I have a XXXX  % XXXX person and received benefits to that effect. 
XXXX XXXX I misplaced my liquid Chase Debit card. 
I Preformed corrective actions to stop the usage of this card. 
There is no way to get ahold of Chase at all these days apparently no matter what the circumstances are after XXXX XXXX. which is ridiculous. 
Previously I was able or anybody was able to go into a branch location and have a temporary card issued that worked. 
Now apparently they've made that impossible to do so therefore you have no ability to receive to retrieve money and let you go into a bank branch I am XXXX  % XXXX that is almost impossible to do. 
Explained my situation to the bank and let them know that this is unacceptable because advice as somewhere and I have no means to pay for let 's say a ride or whatever they put my life in danger. 
So finally yesterday I finally got them to agree to do anything and that was to expedite the card because they still had not even sent it after 5 days they were still processing it unbelievable. XXXX get expert I get through XXXX   which I received when I went to go activate the card through the phone number and the instructions they gave which I followed to the letter of the law meaning I dotted every I and crossed every T and these that it was activated but go to use it it wont-work there is no way for me to use his cart there's no way for me to get ahold of anybody this is unbelievably beneath contempt and I believe that this is a in my opinion their way of actually ... Retaliation which is against the law and I would like some kind of response from somebody that's in a position of authority that regulates these banks and their ways of doing business to have a conversation with me against the despicableness of Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter had a balance from XXXX XXXX XXXX for service on XX/XX/XXXX. The amount ( XXXX ) was paid in full on XX/XX/XXXX. I was sent to collections despite having paid the debt. XXXX XXXX XXXX XXXX company ) provided XXXX XXXX with proof of payment. On XX/XX/XXXX, I followed up with XXXX XXXX because I had not heard back from them as they had promised. I was told that the payment had been applied and that the balance was paid. I was put on hold after asking the representative to contact the collection agency to let them know the debt was paid. 

I received another collection notice on XX/XX/XXXX for the same bill. I called XXXX XXXX and was told that the representatives can not talk to collections, but that the balance had been paid. I was transferred to a supervisor who said that the representative I had talked to on XX/XX/XXXX was not able to talk to the collection agency ... why was I on hold all of that time? ... but that she would try to contact them. 

I have had several agents over the last few months recognize that payment was made and that the debt is clear, and yet it is affecting my credit. I need help! I paid this bill, and I should not be in collections!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX Account # 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

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I recently pulled my credit report and noticed that you are reporting against the FCRA standards. How can Ipossibly owe XXXX balances from XXXX companies for XXXX account? Please explain to me how I owe this debt to XXXX people? It seems to me as if you are unclear yourself otherwise you wouldn't be reporting these erroneous accounts.You have been reporting this error on my account damaging my credit. 

Please delete BOTH of these accounts from my credit report immediately. I would like to resolve this before I consult with my attorneys to pursue legal action. 

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 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Khols Department XXXX has been placed on my credit report. This is not my account, Im a Victim of Identify Theft and I have contacted all three credit bureau and experian and XXXX still is reporting this items on credit report.n 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 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrtment XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. 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 artedates the report by more than XXXXeven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 45 days and no response. 

The following items do not belong to me ( Fraud Account ) - XXXX - XXXX XXXX ( Transunion ) - Bal : {$100.00} Incorrect Addresses : 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 2020-07-16
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
PayPal opened on XX/XX/2020 an unauthorized Credit Card account # ( SYNCB/PPC - XXXX ) under my name but with an unknown ( XXXX ) email address. 
Paypal also made hard inquiries on my credit report which reduced my credit score. I have an account with PayPal with another email but I have NEVER applied for credit card EVER with PayPal. This is fraud by PayPal and is purposefully forcing costumers to sign up for their credit card.

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 2023-03-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After I had argued for several months with XXXX over the fraud charges on my joint account with my husband, I contacted the XXXX. The XXXX XXXX XXXX finally got some matters resolved with my account. Now I've just been notified by a collection agency ( Midland Credit Management ) that XXXX charged off my account on XXXX while the fraudulent charges on my account were still being investigated. I have documentation from Midland Credit Management giving the date of the charge off and documentation from XXXX dated XXXX where they requested additional info from me to resolve the fraudulent matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The financial institution claims they have no records of me having late payment reported to credit agencies and me eventually disputing the late payment. These accounts were closed ONLY AFTER I disputed late payments when I first opened these accounts over 4 years ago. These were then closed afterwards in retaliation to my dispute. I did not use the cards because I was waiting for the 'lates ' to fall off my credit report, which they never did despite remaining being present on my credit report for years after. Once the 'Lates ' were disputed, the financial institution took retaliatory action and closed my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: PR
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 have called the credit reporting agency Experian multiple times and they haven't removed inaccurate variables of my name, i need this inaccurate name info to be removed immediately from my report as the fair credit reporting act states, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed. The only name that should be listed on my Experian report is XXXX XXXX XXXX XXXX which is the one listed on my id and my birth certificate. Please remove name variables that says : XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX From my Experian report immediately I am tired of trying to get this wrong info out of my report. I attached my id and my birth certificate to validate all my name information. I expect this to be corrected 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
As filed with the FTC - Identity Theft - Ref # XXXX, the following accounts are not by my knowledge my accounts. I have asked for copies of documentation proving it was mine from the creditors and credit bureaus and have received nothing. Therefore, I conclude these are inaccurate : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 - TransUnion - XXXX XXXX XX/XX/2021- XXXX - XXXX XX/XX/2021- XXXX - XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 - TransUnion - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - TransUnion XXXX XXXX XXXXXX/XX/2021 - XXXX XXXX XXXXXXXX XX/XX/2021 - XXXX, XXXX, TransUnion - XXXX XXXX XXXXXX/XX/2021 - XXXX and TransUnion - XXXX XX/XX/2021- XXXX - XXXX XXXX on report twice )

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 2020-07-16
Company: CITIBANK, N.A.
State: HI
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:
I wanted to dispute - Citi.bestbuy.credit card. 
It is my first time amd was curious to see. Didnt know it would be reported if card application was declined. Wont happe again. And now inknow what expect. Id appreciate it if it was deleted. I want to get a better start with 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 2023-03-13
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Upon checking my account on XX/XX/2015 I see unauthorized transactions for XXXX {$510.00} on my account I disputed the transaction and they denied my claim within in two days its takes more than two days to investigate a dispute claim I feel like their not investigating my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: GL Financial, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been contacted excessively over the last 2 days and threatened with a class d felony by a retired XXXX XXXX that is now a XXXX XXXX. I also did not give permission for my number to be given out by the original credit lender. This loan is in my mother 's name and I had tried helping her catch up on payments by calling in. My number was given out without my permission to the XXXX XXXX.i want to know what can be done about this. I have recorded voice mails left that will verify any information I have stated in regards to the threats from this XXXX  and company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$29000.00}, {$7500.00}, {$20000.00}, {$8300.00}, {$14000.00}, {$2000.00}, {$27000.00}, {$2200.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation