BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: KY
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:
I have submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from Equifax stating that they inquiries were factual, while on XXXX they removed at least one, and I looked up XXXX and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : Equifax : 1. XXXX XXXX XXXX XXXX, INQUIRY DATES XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX, INQUIRY DATE XX/XX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 6. XXXX, INQUIRY DATE XX/XX/XXXX XXXX : 1. XXXX XXXX, INQUIRY DATES XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX, INQUIRY DATE XX/XX/XXXX 5. XXXX, INQUIRY DATE XX/XX/XXXX 6. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 7. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 8. XXXX, INQUIRY DATE XX/XX/XXXX 9. XXXX, INQUIRY DATE XX/XX/XXXX Thank you for any help that you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
REMOVE THE 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 explanation
Consumer complaint received 2019-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim ID # XXXX. I was told that my claim was denied because you guys thought that it was a duplicate charge and the merchant had credited my account for it. I explain that it was two separate charges and faxed all documentation showing the charges and what the merchant said. My claim was never reopened and I keep being told by the merchant that I have to dispute my charge with my financial institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have informed XXXX on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed items that have been reported on my credit profile may be a result. I have no knowledge of these items or accounts as they are redacted, and I have also requested proof of the verification method XXXX has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor PHEAA to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with PHEAA my desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THESE COMPANIES : XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX BANK XXXX XXXX XXXX XXXX {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX CRED XX/XX/XXXX XXXX XXXXT XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-11-09
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis is reporting a bankruptcy to XXXX, XXXX  and XXXX that has not been properly verified and is unverifiable. Ive contacted the Bankruptcy court in which the agencies state LexisNexis reports to these information from and was advise information can only be verified via PACER system. 

Ive made two attempts to resolve this issue directly with LexisNexis and they continue to violate my rights by not deleting the information in which they are unable to verify or provide me with the step by step method of who and how the information was verified. In fact on my last attempt to resolve the issue with them they have violated another consumer right by failing to respond with a 30 day period. 

I asked for your help to get a resolution within the next 15 days as they report of unverified information is cause harm to my ability for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was discussing a potential solar project with XXXX and they said they use Goodleap as their financing provider. I ended up deciding to use a different solar installer and never proceeded with XXXX, but Goodleap still proceeded to open an invalid loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: GATEWAY FIRST BANK
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/XXXX I approached XXXX XXXX  XXXX to gain an understanding of my Mortgage loan options as I've never tried to purchase a home before. I was assisted by XXXX XXXX who checked my credit and said she'd have to think about what my best options would be but that if I could send her paperwork such as my XXXX, check stubs, etc. that it would help. I did as was asked and that was the last time I heard from her or the company. My emails and voicemails were met with no reply and I was left with my credit lowered and my time wasted. I'm simply incredibly disappointed and got a loan elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX Date : XX/XX/2016 Amount : {$77.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EQUIFAX, INC.
State: MN
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:
EQUIFAX I'm filing this complaint via the CFPB on XX/XX/19 you sent a letter stating that you had completed an investigation on the Following account and the status was Verified and reporting correctly. So I want to Move forward with your Method of verification I want you to send me what Information you sent to the the creditors and what Information did they provide you back also the name and Phone number of who you spoke with because these accounts are not reporting correctly on my credit file. I will also need for you to send this information By the CFBP Website an EQUIFAXI don't want any small talk I want PHYSICAL PROOF the ftc website stated that you have 15 days to complete this request.. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX PLEASE ONLY SEND YOUR INVESIGATION DOCS VIA THE CFPB WEBSITE SITE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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. 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 XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX, XXXX Account number : 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 non-monetary relief
Consumer complaint received 2017-12-14
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
1. Attempted to use credit card at XXXX - card held since XXXX - declined at register 2. Called XXXX  credit services - informed that a charge was unpaid from XXXX XXXX for {$79.00} - with penalties and interest balance now {$330.00} - never received statement and never received telephone calls or dunning letters 3. Informed that mailing address was changed to a XXXX XXXX XXXX in XXXX, MA where bill was mailed - I did not change address - asked for receipt of purchase and to reverse additional charges 4. Informed agent that we had lived at our address for 12 years and had the same telephone numbers. Recently moved to new home in XXXX XXXX but left forwarding address with post office. There was an odd number on file at XXXX which we have never listed. 
5. Told to dispute charge with XXXX XXXX at specific address - mailed letter on XXXX XXXX, XXXX for further investigation as to charge and address change 6. Received letter from XXXX XXXX XXXX - requesting payment 7. Wrote dispute letter to XXXX with copy of dispute letter from Target 8. Filed complaint with Attorney General 's Office in Massachusetts 9. Called XXXX - representative claimed no receipt of either letter - requested email address and emailed copies of my letters to collection agency 10. Email received stating collection process would be temporarily stopped while under investigation 11. Received call from XXXX on behalf of AG - contacted XXXX - requested copy of receipt, reduction of charges and removal of item from credit report 12. XXXX unable to find documentation concerning dispute - could not offer any information other than to call collection agency and ask to settle for lesser amount. 
.13. XXXX unable to persuade XXXX to help - agent from the office suggested I file a complaint with the CFPA

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-09
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have an account with SunTrust Bank, my debut card was limited and unable to use it ; Ive tried to reach out to SunTrust to my account status, On XX/XX/XXXX I made a deposit of a check from my own account at another bank into my SunTrust account ; my bank on the other end decided not to honor my single party check. On XX/XX/XXXX my debit card was restricted and the funds in all of my accounts were placed on hold. As of XX/XX/XXXX SunTrust still can not tell me what they will be doing. The funds in my checking account are so rightfully mine and I have no debts to Suntrust that they need to hold the funds to cover. Theyve stated that they are closing my account however they have not yet closed my account or given me the funds from my account, a check was deposited that bounced so I understand the need to hold the funds to cover, however the amount of the check was never withdrawn so the bank didnt have it to cover it. Ive worked with the branch manager for how has tried to resolve this issue for me however SunTrust office is giving him problems and wont give either of answers about closing my account or when I will receive the balance in my checking account. The branch manager has been kind enough to keep me updated everyday and the balance in my checking account is still there, its just on a NO DEBITS status so he can not was release the cash to me. I need CFPBs help to resolve this issue with SunTrust

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 2020-09-12
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:
XXXX continues to report inaccurate information to my consumer credit file. When I log in to XXXX XXXX XXXX the account immediately reflects a balance of {$1300.00}. XXXX continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. I reached out to XXXX again today with my supporting documentation and XXXX ignored their very clear balance errors they instead responded by saying to call XXXX. I have attached supporting documents and have disputed the multiple errors that XXXX has reported on my account with Transunion several times. Under the provisions of the FCRA Transunion has a duty to ensure that the information being reported to my consumer file is accurate. XXXX is also reporting a XXXX late payment that is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was never contacted by the company for this debt. It was a joint account, both parties should have been contacted but I was not. The bill that was sent by the original company, was back in XXXX, when I spoke with them, they said the other party on the bill was paying. Next thing I know, it shows up months later on my credit score. I was never contacted by this company and I was never given anything to contact them with. Their number isnt even valid that shows up on the credit score report when I filed a dispute. A company should send information to someone with contact info in they want a response. Very shady business practice.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 take the other address off my credit report they dont belong to me the only address that should be on my file is 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 2019-05-27
Company: EQUIFAX, INC.
State: SC
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, Equifax reporting old medical bills as collection items. Equifax reporting account XXXX and I never received any goods or services from this creditor. I was not allowed to dispute these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I '' m having a hard time getting these six late XXXX XXXX  payments removed from XXXX, and Experian. I already resolved this issue with the XXXX XXXX XXXX and my account is in forbearance. There is also no owed payment on my account with them and every thing is up to date. I was able to get these items removed from XXXX under the fair credit act which means they sided with my claim that there information was incorrect. pleas help me get the XXXX XXXX payments off of XXXX  and Experian because they wont budge.

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 2020-07-20
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Suntrust to adjust my auto payment because my payment had decreased due to an insurance change. Instead of the change being made, a one-time payment was processed which means instead of paying XXXX this month for mortgage, I will pay XXXX. Suntrust would not help me fix this at all despite the fact that I called before the payment was released from my bank. In fact, they wouldn't let me speak to a manager, yelled at me, and told me to call my bank to deal with it.

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 2023-01-23
Company: EQUIFAX, 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:
Some of my student loans are reflecting as late or never paid. However, all my student loans are in good standing. The bureaus are not reporting correcting, accurately.

Company response to consumer: Closed with explanation