BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-14
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2020, I attempted to open a business account for a XXXX XXXX in the state of Virginia. Upon articulating this to the branch representative in XXXX XXXX, I was incorrectly advised that in order to open the account I would need either a business license certification or an occupational certification. I explained that a business license certification is not needed in the state of Virginia for XXXX XXXX and that my business was not operating using a DBA, it would simply be titled as my full legal name. The information confirming same can be found here : http : XXXX and here : http : //www.bos.virginia.gov/starting.shtml. Moreoever, I have previously opened a business account with this company ( since closed ) and was not required at that time to provide any of the documentation that was required at the time of attempted account opening on XX/XX/2020. Perhaps the fact that I had a promotional opening offer for {$200.00} was the real reason for not wanting to open the account.

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 2015-12-12
Company: TRUSTMARK CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My work was contacted by a XXXX XXXX from XXXX. My-co-worker answered the call and was told by this person that they were filing a civil suit against me for a debt. She gave my co-worker, XXXX XXXX, the case # XXXX. None of this information should have been shared and I suspect that this is even not a legitimate debt. After I called them back, I spoke to a man that claimed they were calling to tell me they are filing a civil suit for XXXX credit card which I have n't used in close to ten years. I advised this man of this, and he claimed he had 7 years to collect. I again re-iterated that I had not used this card in almost 10 years and began to tell him that I also took out a consumer loan to pay off the balance and other credit cards ... he interrupted me and yelled " If you shut your mouth ... XXXX '' I then stopped him right there and quit talking and hung up ''. I do believe this is also the same company that has called me before at work and would not even tell me who they were collecting a debt for. I also advised this place to not contact me at work since I work XXXX. ... and they are holding up the line. These people do everything against the law and need to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
since XXXX this loan servicing company, or for better words loan servicing scammers have been manufacturing in bad faiths a default, we have paid our mortgage on time and everything month since the inception of the loan which was XXXX, XXXX of XXXX and have never missed a payment, and we pay our taxes and insurance directly to the XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX insurance company. and despite all the evidence provided and there records as we have every record and payments made on file. they continue misplacing our mortgage payments, not applying the payments to the account and charging me thousands of dollars not owed. this bank loan servicers are a scam, despite my complaints to your office, you have failed to investigate this matter deligently and do something about it. as they are hurting my household as citizens and consumers that we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Experian Information Solutions Inc.
State: MO
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:
Company reporting 6 inquiries on my credit report that are not mine and Im the victim 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
Consumer complaint received 2015-10-16
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Received a letter from a law firm attempting to collect a debt that was never incurred by me, nor was it ever applied for by me. I contacted them and they stated it was for XXXX XXXX, a XXXX XXXX, and the amount that was owed, they did not have any verification of the debt. So I am disputing the debt, knowing that I did not create this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-24
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: Account status incorrect

Complaint:
I have subscription accounts with both XXXX and XXXX Credit Bureaus ( CB ). Equifax CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. XXXX loan {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX Account # : XXXX | Education Loan Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX XXXX. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX A/c # : XXXX XXXX. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX XXXX. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am XXXX XXXX XXXX. One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, XXXX has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX XXXX XXXX Equifax shows a similar pattern, that being, failure to show these accounts as being deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Today I received in the U.S. Mail a letter dated " XXXX/XXXX/XXXX '' from " XXXX '' with a copy of my " XXXX '' credit report. Under the " Adverse Account '' section, there is only 1 false/Identity Theft listing. It is from a debt collection agency called " Enhanced Recovery Company , LLC. " ; XXXX. XXXX XXXX ; XXXX, FL ; XXXX ; ( XXXX ) XXXX. It claims that I owe " XXXX XXXX. $ XXXX. '' I have NEVER used " XXXX '' I 've had " XXXX '' for the last 22 consecutive years. I am a victim of Identity Theft. And this is the exact same company that unlawfully posted the exact same adverse information on all XXXX of the major credit bureaus ( i.e., XXXX, XXXX, & XXXX ) around XXXX of XXXX before being ordered by the same XXXX credit bureaus to " Delete '' this intentional false/Identity Theft " XXXX '' debt scam that this company has been allegedly running. When I called their toll free phone number, their company 's rude telephone operator just told me " ... just pay the $ XXXX, fool! ... ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX   Inquiry from XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Customer Service Rep did not try to help me resolve my issues and get the negative reporting inaccurate item removed.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: SC
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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : 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 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 2016-04-04
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I asked for proof of the debt they never sent it to me and now they put it on my credit report again after I disputed this with another company before this last XXXX and they still keep dragging my credit for an account they can not prove that is mines I never had XXXX in 2010 cuz I did n't even live at this address when they claimed I had this account and I want them to stop doing this to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
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: Account status incorrect

Complaint:
I was a victim of fraud and a victim of XXXX XXXXXXXX. I disputed the accounts that were nor mine several times and they left it on my account. Then they said if I paid off an account my score qould go up..i paid it off and it still shows open and unpaid. My score hasn't gone up. Then they suggested I open a secured credit card. I did and my score still hasn't gone up. I have a credit first card with a XXXX limit. I put XXXX on it paid XXXX off early and my score dropped again! I have never been late. I have contacted them several times and they do nothing and my score keeps dropping

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Account status incorrect

Complaint:
I was a victim of fraud and a victim of XXXX XXXXXXXX. I disputed the accounts that were nor mine several times and they left it on my account. Then they said if I paid off an account my score qould go up..i paid it off and it still shows open and unpaid. My score hasn't gone up. Then they suggested I open a secured credit card. I did and my score still hasn't gone up. I have a credit first card with a XXXX limit. I put XXXX on it paid XXXX off early and my score dropped again! I have never been late. I have contacted them several times and they do nothing and my score keeps dropping

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: MI
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:
Fraudulent credit account opened under my social security number. And the credit line was maxed out. Opened on XX/XX/XXXX and was only just notified that it was on my credit report today. 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 2017-05-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
T o whom it may  concern Dear  Sam club and  synchrony bank I  XXXX   XXXX  want to tell you and inform you that I am not happy with your decision of lowering my credit limit I did not authorized you to do so. But you still went ahead and keep on dropping it  Lower  and lower every time and that unacceptable. I do n't agree with ur decision. You did not contact me to talk about it. Or mail me until when you took your own decisions and never contacted me to see my options. S o fat I been g ood and keep making my payments I understand have used almost all my credit limit but hey I 'm still paying you every month so I think regardless you should not have lowered my limits. Twice already the first time I met it go bit this is insane you done it again. I want an explanation?. Why did you took that decision without consulting me. I did not wanted you to lower my limit or keep lowering it down please stop doing it. It does n't give u the permission for you to keep doing it at the end I 'm making my Payment. So what 's the problem.??? I never aut horized or accepted from you to lower down my limits. I mean I 'm still paying it even if I still used my card u still getting paid monthly payments even of its the minimum amount im.still your client. I do n't agree and would like to ask you to put all that  money back. I never agree with ur decision. It make me feel rejected left behind and at some.point discriminated. Dissapointed. I do n't want to ask for an increase now because my score is a bit lower than what it was before but regardless of my credit history and score. It should affect me since I agreed to the terms and conditions of this credit card under contract. Now you understand that if I do ask  XXXX  club synchrony bank they might denied me, but this should even had to happen why did you lower it in the  1st p lace. Even if I 'm making just Tue minimum payment im still paying u.   Please fix this mess. And give me back everything like my credit limit was before  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 2017-10-14
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, when the XXXX XXXX XXXX XXXX program started, I called Great Lakes and asked if my loan consolidation qualified for this program. I explained that i was employed in XXXX XXXX since XXXX and wanted to be sure I was eligible for this forgiveness program in 10 years when I could apply for it. I was assured that I was definitely qualified that all I needed to do to qualify was to have a consolidation, which they informed me that I had the consolidation done in XXXX and that I would be fine and able to qualify for the forgiveness. At some point XXXX acquired my student loans. This year in XXXX, I applied for the public service student loan forgiveness as I made my payments on time every month for the past ten years and remained in full time public service. I promptly received a letter telling me that my loan consolidation did not qualify for this public service forgiveness. I am thoroughly enraged about this and believe I was misinformed by Great Lakes about the type of consolidation and eligibility for the public service forgiveness. Now, I have another five years to pay on this loan or more to have it paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: MS
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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXXT XXXX XXXX opened XX/XX/XXXX for {$1400.00}, XXXX opened XX/XX/XXXX for {$11000.00}, XXXX XXXX opened XX/XX/XXXX for {$3600.00}, .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY XXXX THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN XXXX XXXX AND XXXX XXXX CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2015-08-24
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in a hit and run accident in 2010. When I went to the hospital they admitted me with a fictitious name. XXXX medical bills were went to collection instead of to my attorney. I had my attorney contact the credit bureau and explain the delay in payment. When I saw them again I called only to be rudely addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and were flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX XXXX Balance Owed : {$1300.00}

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 non-monetary relief