BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is another complaint. 

Truist Bank has just sent me another letter stating I missed a payment. 
XXXX XXXX  confirmed that the issue lies with Truist Bank. Truist Bank acknowledged their error to myself and the XXXX representative. 
Yet, I receive another letter saying I missed a payment. 

Obviously, Truist Bank has issues managing it's accounts. A full audit should be performed immediately.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: CO
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:
On XXXX-2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 120 days so they should be deleted promptly.

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 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I waited to file this complaint for this long because I was searching for the bank agreement I was given at the time I opened the account which describes the policies and charges I am subject to. 
On XXXX XXXX XXXX my checking account was charged a overdraft fee of {$35.00} due to insufficient funds. 
I called Bank of America asking to have the fee waived, but the customer service representative told me my account did not qualify to have the fee waived. I told the representative my account was set up to decline or return all payments that will cause overdrafts, plus I was told when I opened the account that the account was exempt of overdraft fees, but the representative, apart from emanating a belittling behaviour towards me, refused to refund me the fee. 
Today, XX/XX/XXXX, I found the copy of the policies and charges the checking account is subject to. This agreement clearly states that the bank will not charge any overdraft fees to this account if the " Decline All '' setting was chosen which it was since the first day I opened the account. I made it clear to the bank representative while I was at the branch when opening the account that I did not want any overdraft protection and that I wanted to Decline ALL transactions that will cause me to be overdraft. Then, I made sure that feature was set up in my online banking settings. 
Bank of America charged me an overdraft fee regardless of all my efforts of following their rules to avoid being overdraft. 
I feel Bank of America is taken advantage of me because I am XXXX years old senior citizen who only source of income comes from XXXX which is how my account gets replenish every month. If I were a super rich customer I am sure their representative team would have had a different approach to my request.

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 2022-12-06
Company: EQUIFAX, INC.
State: LA
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:
FCRA Violation : names and address not mine XXXX XXXX FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX I FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: NATIONS LENDING CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX from Nations Lending from XXXX XXXX Texas started helping me with my home loan on XXXX. Thru out the application she received check stubs, income taxes, my 401 and 402 retirement information plus a copy of my life and death insurances from work. On XX/XX/2023 appraisal was requested and paid {$770.00}, gas meter was in place and paid {$100.00}, a personal home inspection was processed and paid {$250.00} and due to appliances not in place when first appraisal was performed a 2nd appraisal was processed and paid {$250.00}. The builder offered a 3 %, and a {$900.00} incentive and my work offered and gave me a {$8000.00} incentive for first time home buyer. My rental home lease was over XXXX but agreed on paying two more month and now I have to move out by XXXX XXXX. On XXXX XXXX XXXX had for me a conditional loan approval for me to close on XXXX. A day before closing she advised me that my loan was denied. XXXX kept telling me that i was approved thru out the whole process but then found out that I was nott approved day before closing, and if that was the case I would not have so much. 
I have lost incentives that were offered to me by the builder and my work, plus home inspection fees and my rental home. 
My dream of obtaining a home was crushed and she has caused me to be under emotional distress. I feel violated, misled, angry and emotionally tired. 

Builder was advised that some of the walls were deformed, and garage walls patched and visible and I told them that needed to get fixed, then the builder said that nothing else could be done and that is the best they could do. 
I feel that due to complaint and wanting fixtures on the home they all got together for me to not get approved a DAY BEFORE closing.

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 2020-04-16
Company: EQUIFAX, INC.
State: OH
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 was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Open Dealer Exchange, LLC
State: UT
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:
Company : XXXX XXXX What Happened : The company made a hard pull on my credit without my consent on XX/XX/2022. I hadn't found out until tonight, XX/XX/2022, via letter. I sent an email to the company to file a complaint/understand why my credit was pulled without written consent, still no response. I wrote a complaint to the XXXX XXXX XXXX I didn't authorize any credit pulls, this was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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 want this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX  XXXX XXXX Open Date XX/XX/2021 Balance : {$0.00}

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 2020-12-15
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
company is attempting to collect a debt that is not owed and if the amount is owed I did not make the charge. The company did not send anything to my home address and put charges directly on my credit report. This is wrong, no proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX TransUnion To whom it may concern this is my final warning before I take legal actions. Ive won a lawsuit against your company in the past for placing incorrect information on my credit report without my consent. 

I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer System. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

Sincerely 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have these accounts corrected : 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 non-monetary relief
Consumer complaint received 2020-02-09
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Franklin Collection Services ( XXXX ) XXXX claims that XXXX sent me into collections but XXXX ( XXXX ) XXXX says not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
Seterus, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma,  Florida ) forbearance and then a mutually agreed mortgage modification with Seterus. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by Seterus on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
Seterus is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to Mr. Cooper which is now my XXXX servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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 personal information has been exposed in various data breaches and someone was able to successfully open accounts for goods, services, or money that were unauthorized. None of the information is accurate and should be removed immediately because my reputation with the banking system is being ruined.This is ruining my chances of being approved for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We have an XXXX XXXXXXXX Credit Card which was issued through Barclays Bank. Unknown to us, Barclays sold the account to XXXXXXXX XXXX around XXXX. Despite that, our payments sent to Barclays was forwarded to XXXXXXXX XXXX for proper credit. 

In XX/XX/XXXX, we sent an electronic payment via our XXXX XXXX XXXXXXXX XXXX Pay to our usual address ( Barclays ). Without notice, Barclays now advises that they have stopped forwarding payment on " sold '' accounts.

With the assistance of XXXX XXXX XXXXXXXX, we have tried for weeks to get Barclays to either forward the payment to XXXXXXXX XXXX or return the funds to us. They have done neither. Instead, with each phone call, they ask for the same information from XXXX XXXX XXXXXXXX XXXX  has even sent a copy of the cleared checks to Barclays as proof they received the payment.

Barclays refuses to resolve this and has said they can not locate the payment and can not do anything about it. We have escalated this within Barclays but each time, we are forced to speak to a different person who says they do not have the prior information and they will investigate this. They don't return phone calls and won't return the money. This is Theft by Conversion.

A copy of the check showing that Barclays received the money is attached. 

I ask for your assistance to get the funds returned so I can pay my bill to XXXXXXXX XXXX without having to spend the money twice. The amount at issue is {$240.00}.

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 2022-02-02
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: CT
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  ; Experian and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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  ; XXXX  and Transunion should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-10-18
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is not mine.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2021-10-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I filed a complaint with the CFPB about my PayPal account being closed for no reason. PayPal responded saying they would release the money minus any returns on or before 180 days of the account being closed. On XX/XX/2021 PayPal took XXXX out of my account with no explanation. I have tried to contact Paypal support and they do not do anything about it. They promised that this money would be released after XX/XX/2021, which I had no choice but to deal with. Then they take the money out of the account XX/XX/2021. Leaving a total balance of {$0.00} in my PayPal Account. I am missing a total of {$91000.00}. I need this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed some inaccuracies on my credit profile. These inaccuracies have prevented me from getting approved for an apartment and now i am homeless and desperately need a place to stay. I am going thru an ongoing divorce and have lost everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
i am getting phone calls saying if I do n't pay I will go to jail I ask to stop calling and it keeps happening everday

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation