BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 

XXXX  XXXX Bankruptcy : XXXXXXXX XXXX  XXXX Bankruptcy : 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 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 2021-05-05
Company: U.S. BANCORP
State: GA
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:
I have filed a dispute to the incorrect items on my credit report. it has been over 30 days and I have not received any investigation results. I also submitted police reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX  is incorrectly submitting derogatory XXXX  loan information on my credit reports. My XXXX XXXX XXXX were discharged/closed out, by the Department of Veterans Affairs , and The Social Security Administration because of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX status. I was informed that I no longer owed on the XXXX  loan debts ( by letter from both entities ), yet XXXX XXXX continues to report derogatory XXXX loan balances, and that the account is currently open, on my credit reports. This information that XXXX XXXXXXXX is providing to my credit reports is false information, and it should show as closed accounts, and no longer owing. This is causing my credit score to remain low, and the inability to secure loans. It is affecting my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Cohn, Goldberg & Deutsch,LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pursuant to Fair Debt Collection Practices Act I have mailed / email ( per attached documents ) disputing the debt and request for validation on XX/XX/2023 ; XX/XX/2023 and XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I need help to get my debts 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 2023-03-14
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today is XXXX XXXX after checking the consumer report I noticed Chrysler Capital are reporting information without the prior written consent of the consumer which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 Commission and I also have enclosed copies of the Federal Trade Commissions 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 2023-03-14
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieved letter on XXXX from I.C. Systems Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX # XXXX https : //www.icsystem.com/consumer Letter claims they are a debt collection co.pany attempting to collect debt from XXXX XXXX for a past due amount of {$1100.00} plus fees {$110.00} for total of {$1200.00}. It references acct # XXXX and I.C. System reference No. XXXX It states to call or write to them or dispute electronically to their website by XX/XX/23. 

***WE HAVE NEVER USED XXXX XXXX THEREFORE I IMMEDIATELY ASSUMED THIS WAS A SCAM AND LOOKED UP XXXX XXXX CUSTOMER SERVICE TO ENSURE THIS ACCOUNT NUMBER BEING REFERENCED WAS NOT AN ISSUE OF POSSIBLE IDENTITY THEFT. XXXX VERIFIED THIS ACCOUNT DID NOT EXIST & THAT THERE WAS NO REFERENCE OF MY PERSONAL INFORMATION ASSOCIATED WITH ANY ACCOUNT. THEY INFORMED ME THIS WAS A SCAM & TO DISREGARD THIS LETTER & REPORT IT. 

Based on XXXX customer service response and knowing we have never utilized XXXX services & have no debt, I did not want to attempt dialing or using the contact Information and web links for this alleged collection agency. I felt more secure by rather opting to report to the FTC which directed me to the CFPB directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date XX/XX/XXXX amount # XXXX I.m taking action toward the company and dispute that amount debt now... ..i dont owned closed .... Account in XX/XX/XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last XXXX bank of America offered to enroll me in the mortgage deferral program as someone who was having hardships due to Covid since I live with someone who is XXXX so I signed up online. They are now telling me that instead of the mortgage deferral program, they signed me up for the mortgage forbearance program, something I did not sign up for and something not mentioned on the call when I signed up. They said the mortgage deferral program ended last XXXX, so there was no way I could have signed up for it. But I just checked the same automated line I used to sign up the deferral program to see if I made some sort of error. I did not. As of today, XXXX XXXX XXXX  they are still offering to sign people up for the mortgage deferral program that they claim ended in XX/XX/XXXX. I brought this to their attention at the end of XXXX so if this was an honest mistake on their part then why are they still doing it after this issue was brought to their attention weeks ago? 

I feel like I was scammed into a program I never intended to sign up for in the first place. If they would have asked me if I wanted to enter the mortgage forbearance program I would have said no. Now they want me to pay the full amount ASAP, or modify my mortgage which would raise my interest rate. I do not want to raise my interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The same complaint is the issue : XXXX They have still not sent an inspector. We have asked them to text or e-mail so we have the paper trail of them trying to reach us. Truist says the inspectors call and leave messages, which they've not left and we don't have any missed calls. - Response to the closed case cited above, " We still have not received any phone calls from your inspectors. No one else is having trouble getting ahold of us. In fact, your offices ( Truist ) have reached XXXX XXXX, my wife, several times following up on the issues after the complaint was filed. Please give us a number to reach an inspector! We can give you pictures to show the work has been done. We have already completed the work matching the funds being held and Trust would know that if they sent an inspector. '' Original unresolved complaint - " This is not related to the payment process from our side. No option matches the issue we're having with Truist Bank. Hurricane Ian caused severe damage to our home. We have worked with XXXX XXXX and a contractor to get everything paid for and rebuilt. XXXX XXXX has been wonderful working through the process. We finally have drywall up in all of our rooms. The problem is that Truist is holding our money from XXXX XXXX. We have tried in good faith to follow their process of sending them the checks and adjustment forms. We have also tried to get an initial inspection done so they can believe that we are rebuilding our home and release the money so we can pay our obligations. They change the dates of the inspection requests every time we contact them and have canceled the inspections saying we did not return a voicemail call from the inspector. We had no missed calls or messages on the day in question XX/XX/XXXX ( why would someone only try on one day ). Our initial online request for the initial inspection was on XX/XX/XXXX when they told us they would be holding our money from XXXX XXXX. We will have to stop rebuilding if they keep holding the money. They are currently holding about {$51000.00}. We still have more that will be coming from XXXX XXXX, and we feel like Truist, and the Insurance Claims Check people are taking unfair advantage of us while we are still trying to rebuild our lives. '' As for the company 's reply that the inspector tried to call us on these dates, is untrueand we're not sure what number was called ; it was not one of the ones on file. " However, on XX/XX/XXXX a message was sent to the inspector to attempt to make contact again utilizing the phone number we have on file, XXXX. Subsequently, a telephone call was made on XX/XX/XXXX at XXXX pm, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. '' Call XXXX and let her know that she doesn't answer her phone or check her messages. I know she called Truist again today about the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
15 U.S.C 1681 section A. States I have a 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. Code 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 Several inaccuracies in reporting as per FRCA guidelines LVNV Funding : Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
15 U.S.C 1681 section A. States I have a 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. Code 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 Several inaccuracies in reporting as per FRCA guidelines XXXXXXXX XXXX : Acct # 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 2023-03-14
Company: Experian Information Solutions Inc.
State: MI
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:
Yesterday, my wife and I submitted an application for a HELOC with a known and trusted bank with whom we are already doing business. Today, I received an unsolicited text message on my phone, addressing my wife by name, from someone named " XXXX '' at " XXXX XXXX. '' The text says in part, " I'm reaching out as we were notified by XXXX, XXXX and Experian of your recent credit inquiry for a mortgage product, '' and going on to offer a competing loan product. This is either an extraordinary coincidence, or one or more of the credit bureaus have shared confidential information, including our name, phone number, and the fact that we've applied for a mortgage product, without our consent. I have attached a copy of the text message, which includes an NMLS number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Risecredit, LLC
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 information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: PA
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 to 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- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

15 USC 1681 Section 602 A states- I have the right to privacy.

15 USC 1681 604 A Section 2 states- a consumer reporting agency can not furnish an account without my written information.

15 USC 1681c ( a ) ( 5 ) section - No consumer may make a consumer report containing any of the following items of information. Any adverse item of information other then records of convictions.

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-16
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:
There is an account listed on my credit report that I have no knowledge of. This was a result of theft or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
XXXX keeps reporting equipment lost on my report as if this was not 2 years ago. I also returned the equipment from XXXX. This is reflecting on my credit report as if it was a recent activity. I had XXXX in 2019. I do not owe the XXXX XXXX is falsely representing the debt as if it is a new debt that was not paid in full with the return of the property. 


Capital One In accordance with the Fair Credit Reporting Act this creditor ( Capital One ) has violated my rights. Under Act 15 U.S.C. 1681 section 602 states " I have the right to Privacy ''. 15 U.S.C 168 section 604 A section 2 also states, " A consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a credit card account under open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing another complaint concerning my Mortgage. I received a letter from SPS stating on XXXX XXXX that I was offered a Fresh Start Modification but did not accept the offer of loss mitigation assistance by the established deadline. I told SPS that the modification offer that was offered was unaffordable for me. I have constantly asked SPS to make my mortgage more affordable and comfortable. We are living in hard times now. I am constantly trying to work with SPS and I am not getting anywhere with them. They are not trying to work with me at all. I understand that I am behind on my mortgage but I will continue to stay behind when you want work with me. This home is not yours nor mind. I did not receive any money for this house from no loan company in my hand. All the figures are just on paper and SPS will not work with me. Can I be given a comfortable mortgage of XXXX please. All SPS love to do is send out foreclosure letters to make me loose the house. This is A discrimination case because I am XXXX and also a unfair treatment case as well. SPS can you please reevaluate everything and come up with a comfortable mortgage that I can pay. I am under a Permanent Hardship.Thanks

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