BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX, please delete remove the unknown addresses.

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 2021-11-20
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on the response to the written requests I sent on EQUIFAX. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX OF XXXX - XXXX Balance {$0.00} ; XXXX, XXXX - XXXX Balance {$19000.00} ; Chapter XXXX Bankruptcy - XXXX Filed on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX 2015, I showed up to my home and the locks had been changed. I contacted the company and they said the I had abandoned the home. I tried to talk t the company, OCWEN ( Owen Loan Services. ) They told me that I could not get the home back. They sold the home and said they were not going to give me the difference from what was owed on the loan. I spoke to the legal department. He told me I only owed 3 years on the house so they were going to sell it and make a profit. They took my furniture and all contents in the home.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is wrong, the last date active is wrong, and last date is not accurate. This is ground for removal and my rights were violated under the law 's. 

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 explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1605 - Determination of finance charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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: 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 Acct name : XXXX XXXX XXXXXXXX Acct XXXX XXXX Acct name : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Acct name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I graduated in 2010 and could not find a job in my field right away and could not afford the payments with XXXX, then my loans were transferred to Navient. With Navient I got a new billing system and a new website and they put me at I wanted to make payments but was told I could just go into forbearances until I was able to pay the amounts. I wanted to make payments but simply could n't afford the rates they wanted so I went into forbearance multiple times. I recently had a discussion with a co worked who has student loans through Navient and she had the same complaints I did and expressed the same feeling of never being able to pay them off. I am finally at a job where I am getting a steady income and now I am paying as much as I can. I then had an issue where the company I work for could not pay me on time so I wanted to make a payment but was n't sure when it would withdraw. The lady I spoke to recommended a short forbearance and mentioned that the principle would go up. still. This is the first time I can ever recollect being informed of this. I then got to looking and noticed that yes even though I am paying $ XXXX a month my overall balance is only going down maybe {$4.00} a month. If I had known before that my principle would still go up I would have found another way to pay ( like I wanted too ) instead of going into forbearance so many times like they recommended. I work XXXX hours a week and want to pay my debt off but it seems impossible at this point and I do not understand why a company would work against people who are trying their hardest to pay their loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: ERC
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: Account status incorrect

Complaint:
I contacted the creditor Enhanced Recovery collection ( ERC ) to pay off the balance for the amount of XXXX. We had an agreement such that the account would be removed from my credit report after paying off the balance in full. This payment was made in 2020. I just thoroughly reviewed my credit report from all three credit bureaus only to find that not only was it not removed from my report but also that it contains conflicting information on my payment status. I paid this in full but on my XXXX report, the account status states that it was paid in full for less than full balance. XXXX it show the account was paid off. All in all, I paid the account off and the agreement wasn't followed to remove account from my credit report from ALL credit reporting agencies after I agreed to pay the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Gold Star Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am out of work right now and are unable to pay for this loan I have with Gold Star Finance, the manager is XXXX XXXX his # is XXXX, I understand I have to pay, I just need some time, this person almost tears down my front door, is here every other day in different cars and at different hours, my daughter is terrified of him, he parks his car behind my car, so I cant move, I do not want to talk to him and that is why i 'm filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I lost my job after being hit by a car XX/XX/2022. I am not eligible for short term disability or unemployment and Im living in a hotel. I had to set up a payment plan for a credit card and they debit my account twice a month and I never know when it will come out. On the XXXX of XXXX my account was debited the {$88.00} and on that same day I deposited {$700.00} cash after pawning all my jewelry. They still charged me the NSF fee. When the bank was Bb & t they would never have charged me now that my bank changed to Truist they charge every penny they can get out of me. They are awful. They caused me to get two credit cards closed during their merger and ruined my credit and Im trying to rent an apartment. I am stuck in a hotel and every penny I have is very important to me with no job no money coming in no unemployment. My job just fired me after I tried to file for short term disability after a car hit me while walking my dog XXXX XXXX XXXX XXXX XXXX XXXX these people are inhumane.

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 2017-05-20
Company: American Credit Acceptance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company is the worse I paid the car off  XXXX  2016  wrote a check for  XXXX  check cleared my account and i have a bank statement that show this.   XXXX   XXXX     XXXX  repoed my car  XXXX  2016  for non payment. I sent the bank statement to them it took me 30 days to talk to someone and all i got out of her was can we do a  three  way call with the bank. My bank informs me that not only will they not do a third party phone call thats related to sensitive personal information they would n't even give me my account number over the phone. So that was it no more working with me my credit tanked  XXXX  points because of a fraudulent repo and  XXXX  for a car I no longer have these people need to be shut down we have enough fraudulent corporations in America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: SUNTRUST BANKS, INC.
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX XXXX, 2015Federal Trade CommissionXXXX XXXX XXXX, XXXX, XXXX XXXXDear Sir, My name is XXXX XXXX XXXX This correspondence is in regard to unfair, unethical and potentially criminal activity on the part of XXXX, a U.S. online travel agency and its vendor, XXXX XXXX. 
On Monday, XXXX XXXX, 2015 I attempted to book a vacation package to XXXX, XXXX for XXXX XXXX XXXX, 2015. The reservation was supposedly not approved by my XXXX credit card issuer ; XXXX XXXX or XXXX debit card issued by SunTrust Bank although funds were available with both institutions. Surprisingly I had several pending charges and subsequent hold on funds with the XXXX credit card ( XXXX XXXX ) and XXXX debit card ( SunTrust ). 
I do not understand how XXXX and its vendor ; XXXX XXXX, can place charges to consumers accounts thereby freezing assets for goods or services not provided. As of XXXX XXXX, 2015 XXXX and XXXX airlines are illegally holding close to {$3000.00} of my money. I am requesting an immediate release of pending charges on my accounts : XXXX XXXX XXXXSunTrust MasterCard XXXXIn addition, I am demanding financial compensation for lost wages, loss of use of funds, increased vacation travel costs, stress and anxiety. Please contact me at XXXX ( h ) XXXX ( o ) or XXXXXXXXXXXX to resolve this matter in a timely and suitable fashion. Thank you. 


XXXX XXXX XXXX : XXXX XXXXSunTrust BankConsumer Financial Protection BureauXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I want to submit a complaint regarding my bank Suntrust. Last week I was assessed an NSF fee of {$100.00} for a checking account that was not actually overdrawn. I had unexpected purchase as a pending charge to the account of {$49.00}. The charge was for a membership to my gym and is n't consistently charged at the same time every month. The pending charge made my available balance less than I had into the account, so I transferred money into it to cover it. I checked the account a couple of days later and saw that a fee of {$100.00} had been posted for charges that at that point were still pending. I immediately contacted by bank. After speaking with several personnel. I was finally put into contact with someone that removed the charges. 

My issue is as follows : How can you charge a fee on something that has not occurred yet? Pending charges are just that pending charges. Many times, I have had pending charges for duplicate purchases or errors show up on my account. It seems to me that my bank is placing posted fees on pending charges. This strikes me as completely unethical and may be illegal. I was able to get in touch with someone and have it resolved. I am certain that there are people without the resources to do so that get stuck paying these fees. Since banks fees accrue, they basically stacking fees daily and now they have the ability to do that before your account is technically overdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: LA
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: M&T BANK CORPORATION
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
We have " Old '' XXXX bonds in our IRA accounts. 

There have been some disappointing distributions. 

We fear that the choice of the Wilmington Trust to represent the bondholders ( we had no input ) is another political mistake. 

Wilmington Trust appears to be interested in drawing out the liquidation process and making huge fees from those of us that have already taken a loss. 

Please investigate what is going on ( or not ) with the " Old '' XXXX liquidation and distribution process. 

We are still waiting on bondholder distributions while Wilmington & XXXX liquidate XXXX securities that should be given to the bondholders. 

Order Approving Motion to Liquidate Securities, Use Dividend Assets and Extend the Duration of the XXXX XXXXOn XXXX XXXX, 2015, Wilmington Trust Company, as Trust Administrator and Trustee, filed a motion with the Bankruptcy Court for the XXXX District of New York seeking entry of an order ( i ) authorizing the XXXX XXXX to sell certain New XXXX XXXX ( and use dividend cash received in respect of such New XXXX XXXX ) for the purposes of funding projected costs, fees and expenses of the XXXX XXXX, and ( XXXX ) extending the duration of the XXXX XXXX. The motion was approved by order of the Bankruptcy Court on XXXX XXXX, 2015. A copy of the motion and order can be found here. 

It is sad that there is no oversight by the administration to insure that bondholders get paid. 

Please see what can be done about getting payment for XXXX bondholders. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX / Home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MD
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:
Under 28 USC 3002, Section 15 ; I'm invoking my specified remedy as a Federal Corporation member of the United States as the original creditor/consumer. I'm also invoking my remedy under 1602 USC ( G ) ( J ) my rights to " MY '' open ending credit plan. These creditors has violated my rights under 15 USC 1681 ( a ), Section 602 ( A ) ( 4 ) respect for the consumer 's right to privacy. They are as follow : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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