BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified of a deficiency with my property taxes of over {$450.00}. I paid the deficiency and yet it is being added on a monthly basis. When I called the Mr. Cooper representative told me I lacked funds in my account, yet when I checked the city tax office I am all paid for the year. I also spoke with the city assessor who told me my tax liability increased only $ XXXX/year yet somehow Mr. Cooper is charging me $ XXXX/month additional. The Mr. Cooper representative informed me that this is because of a doubling of my tax base and refuse tax. Unfortunately, I pay my refuse tax through the HOA, not direct. I feel as though I have been defrauded of funds and request an immediate investigation into Mr. Cooper 's business practices. My account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Marcus ( Goldman Sachs ) reversed ACH transfer in the amount of {$120000.00} that I initiated from my savings account XXXX to my linked checking account at XXXXXXXX XXXX on XX/XX/2023. The official answer why my transfer was reversed is because " the hold times on the phone at XXXXXXXX XXXX  are too long. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX Account XXXX Date opened : XX/XX/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 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These Companies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!

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 2023-09-20
Company: Experian Information Solutions Inc.
State: OH
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:
I am writing to seek your urgent assistance in addressing a critical issue I have been facing with my credit report on the Experian website, which has severely impacted my FICO score. 

On XX/XX/XXXX, I observed an abrupt and unexplained drop in my FICO score on the Experian website, plummeting by XXXX points, from XXXX to XXXX. Disturbed by this significant reduction, I immediately sought to identify the cause by reviewing the information provided on the Experian website. To my surprise, the website indicated that one of my accounts had been reported as 60+ days past due. However, it did not specify the name or details of the account in question. 

In my attempt to resolve this matter, I promptly downloaded my detailed credit report from the Experian website to investigate further. To my relief, I discovered that all of my accounts were, in fact, in good standing, and there was no evidence of any overdue payments. I want to emphasize that I have never missed a payment on any of my accounts throughout my financial history. 

Despite my repeated efforts to dispute this inaccurate derogatory entry with Experian, I have encountered significant hurdles. Experian 's response has consistently been that they can not assist me because the credit report does not specify the account responsible for the past-due status. This has resulted in a frustrating cycle of unproductive interactions, leaving me with no viable means to have this erroneous entry removed from my report. 

To verify the accuracy of this derogatory remark, I cross-referenced my credit information with XXXX and XXXX, both of which confirm that there is no such entry on their reports. My credit scores with these agencies remain excellent, consistently above XXXX, with all accounts reported as being in good standing. 

Given the substantial adverse impact this inaccurate derogatory remark has had on my credit score, I urgently request your intervention and assistance in rectifying this situation. The unjustified decline in my creditworthiness has far-reaching consequences, including potential difficulties in obtaining financing or other financial transactions. 

I am more than willing to provide any additional documentation or information necessary to facilitate a prompt resolution to this matter. Your intervention in helping me navigate this issue and ensure the removal of this erroneous entry from my Experian credit report would be greatly appreciated.

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 2023-12-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting 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 XX/XX/2017, I worked with a company to help pay off large credit card debt. For over 5 years, I worked with this company, paying $ XXXX  monthly into an escrow account as they worked to resolve my debt with XXXXXXXX XXXX XXXX XXXXXXXX, and Chase. It was difficult to send this money monthly as my credit score plunged to XXXX, and I stopped using all my cards and accounts. I wanted to avoid bankruptcy. However, after time, I was able to settle with XXXX and XXXX. But Chase would not settle. They would not work with the debt relief company. The California statute of limitations had run out when they could take me to court, so I ended my relationship with the credit relief company and moved on. Since I paid off two credit card debts, my credit score rose to XXXX. However, after doing nothing since 2017 to my credit report, out of the blue, Chase reported an L for the second time in almost 6 years on my account to the credit reporting system. Over time, my credit rating dropped XXXX points, and I'm now down in the low XXXX with a fair credit rating. It has destroyed all my hard work and seriously hurt my credit. Again, Chase WOULD NOT work with my credit relief company and then did this. It is a malicious move designed to hurt my credit and ruin my hard work and the future of all that I can do with lenders. When I reported it to XXXX, they contacted Chase, who added Ls to all the months since 2017, hurting me even more. 
Why did they wait, and why did they do this other than to destroy my credit history and standing? My life is a living nightmare because my score keeps dropping, and lenders won't work with me or give me loans even though I have paid rent for over 10 years at my current address, other debts, credit cards, etc. This tactic is highly egregious and should be investigated and stopped by companies like Chase. Again, they refused to work with me to resolve the debt, attacked me personally, and erased my hard work with credit for their own benefit. WRONG! There should be protections from companies like Chase and these tactics. Hard-working Americans like myself with family to support should not be attacked by multinational multimillion-dollar companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These Accounts have violated my rights According to FCRA. 1 ) XXXX XXXX XXXX : ACCOUNT # XXXX. 2 ) XXXX XXXX XXXX : account # XXXX.THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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, 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 explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute a serious error on my TransUnion credit report. I recently obtained a copy of my credit report and was dismayed to find that it erroneously lists a XXXX filing. I want to unequivocally state that I have **never** filed for XXXX, and this listing is both incorrect and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are obligated to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified of such an error. 

I request that you conduct a thorough investigation into this matter immediately. Please correct the inaccurate information and provide me with a corrected copy of my credit report. If you are unable to validate this bankruptcy, it must be removed from my credit report forthwith. 

I would also like to remind you that under the FCRA, I have the right to sue in federal court for any violations, and if I prevail, the reporting agency can be held responsible for my attorney 's fees. 

Please treat this matter with the urgency and seriousness it deserves. Your prompt attention to this issue is expected.

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 2023-09-15
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I entered the parking lot of the TRUIST Bank Branch at XXXX XXXX XXXX XXXX in XXXX, XXXX, at approximately XXXX XXXX I had entered the parking lot to use the ATM machine which is located inside the building in a vestibule. My phone rang I had to take a call from my employer on the BLUETOOTH capability in my car.I was on the phone for a few minutes parked in the parking lot of the bank and I noticed through the rear view window of my car that there were bank employees looking out the drive through window of the bank and I could faintly hear voices. I was on a call so I could not hear what was being said by the bank employees through the intercom system where the drive through area is which i wasn't parked next to. I was concentrating on the conversation I was having with my employer. 
The bank employees came out of the bank and crossed over the parking lot I got out of my car and asked what the problem was because one of the employees was yelling at me that I was loitering. I responded that I was a bank patron going to use the ATM. I went up towards the car of one of the employees that was parked by mine and asked again what was the problem .They in turn said that they weren't permitted to leave the building if there was anybody in the parking lot.They said it was because of security reasons. I in turn responded that I was a patron of over XXXX yrs at this bank and had never been informed of this. 
I called the bank the next morning and asked for the Branch Manager and I got the women from the night before who said that it was a new policy and I asked how is a bank patron to be made aware of this. She said we would never b made aware of internal policies, I asked for a Regional Managers phone number she refused to give me. I don't appreciate the way I was spoken to by her or the employee that displayed a hostile tone with me and accusing me of loitering..

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 2023-09-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to the following account below and talked to them about the issue with my account as reported by the XXXX XXXX XXXX. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the XXXX XXXX XXXX  came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2023-12-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account savings and checking account was closed. I don't know why? They are still accepting XXXX  transactions attached to my phone number XXXX. There is no fraud. I have been with the bank for over 10 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 explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX  XXXX on 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-07-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I CALL THE FRUAD DEPARTMENT SEVERAL TIMES BUT THEY KEEP TELLING YOU HAVE TO SUBMIT A CFPB REPORT IN OTHER FOR THEM TO DELETE AN UNAUTHORIZED XXXX I WRITE THEM SEVERAL TIMES BUT THEY ALWAYS REPLIED ACCOUNT VERIED WITH NO PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Commonwealth Financial Systems, Inc.
State: CA
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:
Some company has that I have not conducted business with has reported a debt on my credit report. The credit reporting agencies said they only ask the reporter if information is accurate. They do not require any proof of debt. How can a company say you owe a debt without proof? Moreover, the agency is asking ME to provide documentation showing I do not owe a debt from a company I have never heard of. Basically the agencies are not investigating at all. Why should consumers have to spend money hiring attorneys to prove our innocence? This process is abusive to consumers.

Company response to consumer: Closed with explanation