BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Signed for refi XXXX. Changed mind and sent " Right to Cancel '' notice to SunTrust XXXX. Must receive " Release '' to obtain XXXX from another source. It is now XXXX, ( 2 months and 10 days ) and still have not received the Release. 

XXXX Called Suntrust talked to XXXX. Was told that Mr. XXXX XXXX is working on the official release statement and would call me within 24 hours. 

XXXX. XXXX sent an " Account Activity Statement ''. Was told that Mr. XXXX XXXX would send the official release statement within 24 hours. 

XXXX. Still no Release Statement. Called Suntrust XXXX PM. Was told Mr. XXXX XXXX was out to lunch and would return in half an hour. XXXX XXXX  called Suntrust, person anwsering phone couldn't find Mr. XXXX. She emailed him to call me by end of business ( XXXX XXXX  ) or on XXXX. 

XXXX. Called Suntrust at XXXX XXXX since I did not receive a call from Mr. XXXX. 
I kept getting disconnected and returned to the 2 minute 20 second message you get when you call before you talk to someone. I asked to talk to Mr. XXXX. They can not get Mr. XXXX on the phone because he doesn't have a phone at his desk. But they would have him call me. A phone call that has not and never will take place. 

If they can send me an " Account Activity Statement '' showing that I have a XXXX balance why can't they issue the official " Release '' so I can get on with my refinance? Until I get the release I can not proceed with the refinance with another company. I feel they are deliberately holding this up just to give me a hard time because I cancelled their loan.

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 2020-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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:
Yes the Bank of America made a mistake on my bill on XX/XX/2019 they called it a accounting error. This is only after my complaint # XXXX was resolved. My problem is from XXXX through present I have been charged interest on the ERRORS AMOUNT! This has been a nightmare that reck my credit score only because of the bank not caring for people. I really hope they find how to deal with people that we don't have to put in complaints with you. There were countless times I tried to resolve this and here we are. Again the bill at BANK OF AMERICA AGAIST MY NAME IS FROM THIER ACCOUNT ERROR & INTREST THAT CAME FROM THAT ERROR. So if anything I hope they get the account corrected and resolve any damaged done from thier mistake!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I check my credit report every 30 days and i've noticed that there were unknown inquiries on my credit report listed below XXXXXXXX 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 2021-02-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I saw a fee on my credit card for XXXX from XXXX. I signed up for a free trial period using my maiden name, The Chase credit card that I gave XXXX had my married name. The charge went through even though the name submitted to XXXX was different from the name on the credit card. I spoke to XXXX and they reversed the charge, however when I called up Chase I was told that they will honor credit card purchases even if the name submitted is different than the name on the credit card .... ( What? ). 

At that point I decided I would probably close the account so I monitored it just to make sure there were no outstanding balances. On XX/XX/XXXX I had paid off a XXXX balance and on XX/XX/XXXX the last remaining purchase of XXXX. My payment was typically due on the XXXX of each month and I went online continually to check on the XXXX balance as I was planning on closing out the account at the end of month. On XX/XX/XXXX ( after the billing cycle ), I was charged XXXX. When I called to find out what is was, I was told it was an interest charge from the previous month ... .even though I paid the card in full almost 3 weeks prior to this charge. I was a banker for many years and there is no such thing as a finance interest credit card charge on a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2022-01-12
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Certified mail was sent and requested to validate debt. Collection Agency failed to answer within 30 days. I am demanding the Collection Agency to CEASE AND DESIST from further communication with me, in any manner, regarding the above referenced TIME-BARRED debt. 

Also, in XX/XX/XXXX, in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), your company knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account to XX/XX/XXXX. In response to my dispute of this FCRA violation, your company maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. I demand that this FCRA violation be remove immediately on all XXXX of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
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:
On XX/XX/2021 I requested for these companies to provide me proof of signature in XXXX ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am in the process of filing Chapter XXXX bankruptcy - however, I received a notice via email from Paypal Credit that stated " If you are going to receive a tax refund check, please consider paying PayPal Credit. '' This should be considered deceptive collection means under the FDCPA, as it is insinuating that funds refunded by the government should be used to pay a debt, which the creditor can not request. If the creditor continues their harassment I will have no choice but to seek suit ( possible class action ) against them for attempt of collections by unconscionable means.

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 2020-12-07
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted Synchrony Bank on XX/XX/2020 and asked why they closed my XXXX XXXX account and the agent told me XXXX  closed it and a letter was sent. The conversation was picked up on our security camera. I called XXXX  on XX/XX/2020 and they didn't closed this account and legally can't. XXXX  filed a dispute due to no reason why the account was closed. Looking on XXXX they're doing this to thousands of people during a pandemic. I've had excellent standings with this bank and my score from XXXX  has gone up but this will now effect my credit. This bank needs to be investigated. A copy of this report will also go to the current dispute open with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have two criminal records on my background check- and they are both in California. 

First one from XXXX : It seems to be a speeding violation related event for trucks. I do not own a truck, nor I had any driver licenses in California at that time. I was a XXXX XXXX XXXX and I worked in XXXX at the time. 

Second one from XXXX : I was not even in California state for XXXX at all. It is beyond me what this record means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
on XX/XX/22 I returned XXXX XXXX XXXX XXXX merchandise using their return labels they sent me. Then a creditor open a collection on Trans Union I upload the documents and the collection was deleted .Then another creditor open a collection I uploaded documents to the creditor directly it was deleted. Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX open a collection then I disputed to Trans Union since I already uploaded the documents to Trans Union .Trans Union did not delete the dispute. I called they said they have it but I need to resend again in another dipute I don't think I should not have continue this process every two years.

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 2020-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed Portfolio Recovery a certified letter in XXXX asking them to verify the debt they stated is owed. They sent letter stating the have the file electronic. I sent another letter asking them to verify the debt in XXXX and I have gotten no response. However they are still reporting the unverified debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit reports with all three agencies, Experian, XXXX, and XXXX consistently contain identifying information ( i.e. addresses, telephone numbers, etc. ) which do not belong to me. Sometimes the information belongs to my ex-husband, other times it belongs to god knows. I have tried to work at getting this adjusted, however, the only thing I am ever told is that they can not verify my identity and that I need to touch base with whatever agency ( e.g. XXXX XXXX ) to inform that they ( the credit agency ) can not verify my identity. I have no idea how to go about getting the information corrected as they have never provided guidance on doing so.

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 2021-10-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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 had a car with credit acceptance. The car was totaled in a tornado. My insurance paid a portion of the balance and they provided me a settlement. I was 30 days late..I agree with that. I paid the settlement in full and after I paid the full amount they reported to the credit bureau that I was 60 days late. They reported that 3 weeks after I made the final payment.

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 2022-11-30
Company: EQUIFAX, INC.
State: NJ
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 recently check my consumer report and notice I had 2 late payment from 2 different companies XXXX XXXX and XXXX Bank and to be honest Im a smart consumer and I am fimilar with certain laws. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The 2 accounts in questioned below should all be updated to paid as agreed on my consumer report. Please help me wityh this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection agency LVNV funding has been calling and threatening to ruin and damage my credit if I dont pay them. I have asked numerous times not to call anymore and that I will be filing a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello I mailed a notarized dispute letter and it was certified disputing unverifiable items on my report. They received the letter on XX/XX/XXXX and they have failed to respond. Today is XX/XX/XXXX. It should have been post marked by XX/XX/XXXX. By law they are required to remove items since they failed to completed the investigation and or provide requested/required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My credit report should reflect my loan payments are in fact up to date. If the same company is reporting the information then all the bureaus should have the same information. Due to XXXX  claiming that 8 late payments were just verified. Id like the method of verification.

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 2020-09-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I know the company will not doing anything about my complaint and they won't budge, much like with the other disputes I have filed a complaint about, and where I actually had proof of my claim ... Just filing the complaint so that I can show the credit bureaus and whatever debt collection agency the company sends after me that I have a complaint on file ... 

Company is denied my dispute against a charge from XXXX for {$190.00} from XX/XX/20 stating that I need to show proof of my return. However I told them back when I first filed the dispute that the merchant refused the return ... How can I show proof of a return when there was no return?? IDIOTS ... 

They also rebilled my account for another charge I had disputed against the same merchant from XX/XX/XXXX for {$100.00}, for the same type of incident ... Please know that due to the pandemic, most stores were very and in some cases are still, strict regarding certain things being returned.

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 2020-09-17
Company: Experian Information Solutions Inc.
State: WA
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:
A hard credit inquiry was made through Experian by the US Small Business Administration on XX/XX/2020. I contacted the agency on or about XX/XX/2020 after several attempts. They assured me that no more inquiries would be allowed and this incident would be removed from my credit report. I froze my credit reports. I have yet to see the item removed and it lowered my credit score by at least 12 points which hasn't been corrected either.

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 2018-06-26
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Write a letter to Equifax back in XX/XX/XXXX and never received any correspondence, sent a fax on XX/XX/XXXX and never received any correspondence. Sent another fax on XX/XX/XXXX and never received any correspondence. They failed to notify me in writing within the 30-45 day  timeframe and never once opened an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
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: Information belongs to someone else

Complaint:
Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX what are these accounts. please help me this is ruining my life please.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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