BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft someone got my information and opened up accounts in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For many years Bank of America serviced my home mortgage. XXXX XXXX  XXXX took over. XXXX told me that I have been 1 month late since because I missed a payment at the end of XXXX. I looked at my records and it showed I had made the payment. XXXX sent me a " loan history '' to review. I noticed that on XX/XX/XXXX my payment went to " unapplied payment ''. I paid the payment but it was not applied to the correct account. Ater a year of going back and forth with XXXX they told me to talk to Bank of America because they are the ones that made the mistake. I did just that and a representative called me and could not explain what happened. I ask them to remove the " excessive late payment '' on my credit report because it has destroyed my credit rating. It shows I have been 1 month late since XX/XX/XXXX. Bank of America never mentioned this to me. My loan history shows I have made every payment since XX/XX/XXXX. I hired an attorney to rectify this. BoA has not responded to any emails he has written. I've made every payment with a 99 % on time rating since XXXX. I need your help to resolve this.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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
See the attached documents.

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 2019-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX XXXX and aim a XXXX. I moved from XXXX XXXX  to XXXX  in the early XX/XX/XXXX. Later that year, i meet a guy by the name of XXXX XXXX. XXXX was a inspiring XXXX that wanted to get into the music industry. He's been rapping at an early age. When i meet him he was about XXXX. He mentioned that he knows the music industry very well and have major connect with big names in XXXX. He mentioned, he has two music promotion companies, beside just rapping. His promotion company promote artist work, which the artist pay for. He mentioned that, i should invested money in his talent and that we can take it to XXXX to get a major record deal. The music industry was something that i was passionate about, since i was young. The idea felt interesting. We later flew to XXXX  and he introduced me to one of his major connect in XXXX name XXXX XXXX. XXXX mentioned that he's a major player in the music industry. XXXX showed me pictures and videos of him and every artist that you can think of. I seen him with pictures with XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX . I believed him. He mentioned that he can develop XXXX to a major artist and get him sign to XXXX XXXX XXXX for {>= $1,000,000}. He mentioned he can develop XXXX and another artist name XXXX XXXX to major artist caliber and get them sign for {>= $1,000,000}. A few months on another trip to XXXX, XXXX brought us to meet XXXX XXXX at XXXX XXXX XXXX office. XXXX was the XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, confirm to what XXXX was telling me. XXXX and XXXX mentioned i had to invest {$150000.00} to develop these two artist. They mentioned each XXXX will cost {$75000.00} each to develop. A few months, i agree to make the deal. I gave XXXX and XXXX access to my business account. The access was for up to {$150000.00}. These guys went swimming in my hard earn money. They went to exclusive star studded parties, driving around foreign cars, eating at the finest restaurant, wearing clothes and jewelry brand, i can't even pronounce. They scam me out of over {>= $1,000,000} from XXXX. The worst part is clowning me and torturing my family and i. I'm left with nothing. I lost my business, house and wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/XXXX  XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/XXXX XXXX XXXX amount of {$690.00} reported on XX/XX/XXXX  XXXX XXXX XXXX amount of {$3600.00} reported on XX/XX/XXXX in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-10-13
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 3.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 4XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 5XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 7.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 8XXXX XXXX Inquiry from XX/XX/XXXX XXXX I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 9.XXXX XXXX from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian )

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 2021-02-25
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are so many little collections listed that go away and come back, they are unknown, requested several times from ALL the companies and nothing has been received. I want this removed CAPIO PARNERS LLCXXXX Balance : {$200.00} Capio Partners LLC XXXX Balance : {$200.00} Capio Partners LLCXXXX Balance : {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
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:
they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX  XXXX- Inaccurate Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Payment History

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I checked my online banking to see a charge marked as recurring from TransUnion for XXXX. I never signed up for any paid services from them, to my knowledge. I tried reaching them over the phone and was not able to get a hold of the 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 explanation
Consumer complaint received 2020-12-08
Company: Exeter Finance Corp.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on or about XX/XX/XXXX i sent a notice of dispute to transunion ; on or about XX/XX/XXXX folowiing there responses i sent follow up letters dated XX/XX/XXXX and XX/XX/XXXX to the fact of the not conducting a investigation and removing the inaccuracies from my report

Company response to consumer: In progress
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: NE
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 explanation
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have a family of XXXX children and a wife. They range from XXXX old to XXXX  month. Wells Fargo is Garnishing {$210.00} per paycheck which will put me under the poverty line if they can lower the garnishment that would help me and my family live.

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 2018-02-21
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:
I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.

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 2023-03-21
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/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 explanation
Consumer complaint received 2023-02-12
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I created the XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This is still valid, it has been valid with XXXXXXXX XXXX then BB & T and now Truist. 
In XXXX of XXXX we added an XXXX XXXX XXXX. 
This is The XXXX and XXXX XXXX XXXX XXXX it is dated XX/XX/XXXX. 
on XX/XX/XXXX this was filed with a local Truist branch. 
Both trusts are identified by my social security number. This is stated in section 1.07 No New Tax Identification Number for the Trust. 
" Pursuant to federal income tax law, this trust qualifies as a " grantor trust '' for income and estate tax puposws in accordance with Code Sections 671-678 and is not required to have a separate identification number. The identification number for this Trust is either of our social security numbers ( see Code Regulation 1.671-3 ( a ) ( 1 ) ). 
Their 'back office ' wants to recharacterize our private trusts as business trusts. They never contacted me, our Truist branch. They just arrogantly and arbitrarily made ur are making unilateral changes to our accounts. It should be noted the original trust of XXXX is still in effect, the Legacy trusy of XX/XX/XXXX in also in effect. They have been with Susquehanna Bank, then BB & T and now Truist. No problems until this 'merger ' of equals. If more info is needed contact me or my attorney. 
2NOTE : My State of Maryland contact used the phrase 'Systemic Problem ' once I told her my sources had indicated approximately 60,000 accounts have been impacted. 
This was sent to XXXX XXXX This came to my notice on Monday XX/XX/XXXX, I called one of the Truist branches I deal with. The banker, XXXX, said yes his phone had been busy. The 'back office ' wanted to make our trusts into business trusts, all without my concurrence or even notice. nothing was done, no phone call from Truist, no email. this dragged into Friday the XXXX. I found a XXXX affiliate in NC that had, a year ago, a story on Truis and Social Security issues. So I called, talked to a 'reporter ' she took my info and contacted someone in Truist XXXX That as XXXX on XX/XX/XXXX. By XXXX a phone call from a Truist employee about my problem. I did not know this person nor his branch. It seemed my TV contact had hit a nerve. But arrogance dies hard. Today I filled with the North Carolina Commision of Banking. This was at the recommendation of the Maryland State Banking Commission because they think 'Sytemic problems exist in Truist for this behavior. I can supply the file number if you need it. So the Maryland Banking commission also offered your contact information, so here we are. 
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX MD XXXX XXXX XXXX IF NEEDED Attorney 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 2021-06-11
Company: ZWICKER & ASSOCIATES
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received letter from Attorney XXXX XXXX XXXX stating that a lawsuit has been filed. XXXX XXXX Index XXXX. 

I have not received anything about this. I called the County Court and was told that an incomplete summons was filed. This was apparently filed by Zwicker debt buyer attorneys. I have never received any information regarding anything from this Zwicker at all. Their website is extremely frightening and confusing to the consumer filled with legal terms that the average consumer does not understand. Hence, I am contacting CFPB for help. 
I have been paying americian express on my fixed income. Why am I being threatened by a lawsuit when I have been paying? I do not understand. I am a senior citizen on a fixed income and am doing my best. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Bread Financial Holdings, Inc.
State: GA
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:
My issue is with Comenity Bank - Points Power XXXX : I STOPPED receiving invoices by both e-mail and in the US Mail for several months back in the summer & fall of XXXX. ( We had moved but I registered my new address with them. ) I finally received an invoice for a {$70.00} purchase I'd made ( my last purchase on the XXXX card ), but the invoice came late & so my payment was received 1 day late on XXXX XXXX, XXXX ( it was due by XX/XX/XXXX ). I got the next invoice that showed a {$28.00} late fee & {$2.00} interest charge. I wrote a note on that invoice explaining that the prior invoice had come to me late, so I shouldn't be charged the interest & late fee. But another invoice showed yet another late fee & interest. On XX/XX/XXXX, I called & spoke to a woman at Comenity ( I didnt get her name ) who said the best thing to do was to cancel my card & that would be the end of it & I wouldn't receive more invoices. She said she cancelled my card. ( In a phone conversation yesterday, XX/XX/XXXX, Comenity said that my card was indeed closed on XXXX XXXX, XXXX. ) But I DID get more invoices with additional late & interest fees. So, On XXXX XXXX, XXXX, I wrote a short letter explaining my issue. I send it with Return Receipt Requested, & within about 2 weeks received the Return Receipt green postcard back, time-stamped XXXX XXXX, XXXX, & signed by XXXX XXXX XXXX 

Since then I have continued to receive additional monthly invoices with late & interest fees accruing, now up to {$260.00}. Yesterday, XX/XX/XXXX, I called Comenity and over 105 minutes was bounced through 5 people ( first is unknown name, then XXXX, XXXX, XXXX  & XXXX ; XXXX was in the Customer Care Dep't. ; I dont know the others ' dep'ts. ). The first 2 really didn't even understand the issue. Each of the next two routed my call to yet another person, & the fifth person was XXXX who said I should write a REGISTERED letter to Comenity. But I have little confidence that that will work, as they have basically ignored all my attempts to resolve this issue.

Company response to consumer: Closed with non-monetary relief