BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 I applied for an extension of credit {$40000.00} I was denied. This is a direct violation of my consumer rights 15 usc 1602 ( f ) tell me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that they committed fraud and used my credit card without authority and I received no benefits. Federal Reserved section 16 part 2 says my application was the collateral and it says that the collateral is worth dollar for dollar for the value of the federal note that was taken from the federal reserve bank. So, since those Federal reserve notes was exchanged they wasn't even changed so I would like to use the credits that arises from that transaction. I would like to apply it to the principal account. I would like you to obtain the greatest amount of redress possible. This behavior is punishable under Federal Law This is a violation of both 15 USC 1611 AND 15 usc 1691. Also, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants. I have been discriminated against ; on the basis of race and defamation of character. I contacted the company and they stated for me to do what I needed to do that they couldn't extended me credit.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have not gave authorization for the accounts that are listed below. Please investigate and provide proof with statements showing that I authorized these inquiries. If proof can't be provided I demand these INQUIRIES BE DELETED. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company has been reporting negative information on a charged off account and I as a consumer is entitled to my privacy and fair credit consumer act says and also I ask them to verify the account, showing my signature for the account, and they have not sent anything with my signature about this account 15 U.S. CODE 1692 ( YOU HAVE A RIGHT TO PRIVACY ) 15 U.S. CODE 1692 ( C ) ( A ) - A DEBT COLLECTOR HAS TO HAVE YOUR CONSENT TO TEXT, CALL. OR EMAIL YOU

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 2023-01-18
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: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: DIRECMANAGEMENT, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was included in XXXX XXXX  bankruptcy and they keep selling the debt to collection agencies. The original creditor is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Account status incorrect

Complaint:
On XX/XX/2021, XXXX XXXX XXXX XXXX personal loan, was listed as 30 days past due on my credit report incorrectly. 

This account was never late on XX/XX/2021. This has been verified with XXXX XXXX XXXX XXXX error is still listed on my " XXXX Report and TransUnion Report ''.

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 2023-01-18
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in a current dissolution from an XXXX  man who is on the deed to my home, but not the note. I have a XXXX order against him. 
In XX/XX/2022 I entered forebearance, and was promised by Freedom Mortgage, my lender, that I did not have to make payments for now. In XX/XX/2022, Freedom Mortgage said I needed to remod my loan or they would foreclose. I agreed and started the process. 
My separated spouse refused to sign the documents and the remod expired and was reinitiated. He refused again, and I retained counsel which cost me {$5000.00} in lawyer fees to obtain an order compelling my separated spouse to sign the papers. The papers were signed in open court in front of a Judge, a notary, XXXX witnesses, my separated spouse and myself. The papers were sent to Freedom Mortgage. 
Freedom Mortgage rejected the papers, stating that the witnesses did not date their signatures. All parties present bore witness to the fact that they DID date their signatures. Freedom refused to provide evidence until XXXX phone calls later, they finally cooperated. Somehow, the witness signatures were missing dates- we all firmly believe the documents were fraudulently altered by Freedom. Now, Freedom is threatening foreclosure again. They sent a second set of documents demanding I sign them, however, my set of signed papers were accepted in XX/XX/2022. My separated spouse 's papers are the ones rejected by Freedom ( the fraudulently altered set. ) Per the new FHA HUD guidelines, Freedom was required to consider excluding my separated spouse 's signatures due to XXXX  XXXX. They refused to consider and refused to explain their decision. They continue to do so. I have been paying my mortgage, and living under their threat of foreclosure despite my full cooperation. I am a single mother, and run my business off my property. I need help facing this massive criminal entity. I contribute to the local economy, provide jobs, and my property has won the XXXX XXXX XXXX XXXX for my dedication to conservation through my nursery business on the property. I need help please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NY
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 it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it.You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring to your attention a persistent issue I have encountered with the credit reporting process. Despite my efforts, incorrect addresses continue to be listed on my credit report, negatively impacting my financial standing. 

I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect address remains unchanged. I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.

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 2023-01-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
other issue : I am due a refund on this TD bank CC. I looked in the XXXX checking account but the refund wasn't applied. I called them on 2 separate occasions to resolve this issue. The last time I called was about a week ago. They even sent a XXXX balance statement claiming the refund was applied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
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: Account status incorrect

Complaint:
I have called XXXX since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically

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 2023-12-17
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-11-26
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Contacted MOHELA for clarification on why interest is accruing on my XXXX plan even though I am making the required payments. Have not received any response - requested information XX/XX/23. Several months of accrued interest are already present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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:
Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a {$90000.00} check from a client into my business account at Synovus Bank. I was told there would be a 15 day hold until the funds would be available and reflect in my account ledger. I was provided with an availability date of XX/XX/2023. On XX/XX/2023 the funds reflected available in my mobile banking app. On XXXX  XX/XX/2023 I went into a XXXX branch location and requested to withdraw funds from my account. I was told by the teller that my account was under review and I had no access to my account for any transactions. I called the customer service line and was told that there was nothing they could do to assist me and that I had to wait on a letter to come to my mailing address for further instructions. They could not tell me when or who was sending the letter or why I did not have access to my funds. I requested a supervisor assist me but I was declined. I am currently now unable to operate my business fully. I have already missed out on a business deal from that day. I am unable to pay employees or fulfill my contracted obligations with vendors. I am extremely frustrated to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: 21ST MORTGAGE CORP.
State: MS
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I spoke to a supervisor who was named XXXX I told him I wanted to pay XXXX $ and that the rest of the XXXX payment would be payed on XX/XX/XXXX. He refused to honor my request based on a medical issue I had got behind 2 weeks. I then was hung up on after speaking with XXXX and I called back to verify my payment of XXXX $ was made. XXXX told me that my payment was put in but that I was not allowed good faith payments. Refused to listen constantly talking over me loudly in a predatory manner. Would not hear me out. Even tho I asserted I did not feel comfortable answering any more questions she repeatedly berated me about my payment basically telling me that my rights dont matter. I feel XXXX and XXXX are both discriminating against me for a medical issue. XXXX in the conversation did I feel like the customer she told me over and over there is no such thing as a good faith payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Self Financial 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: Was not notified of investigation status or results

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an ongoing issue regarding inaccurate collections accounts on my credit profile. I have previously disputed these accounts approximately 60 days ago, but they have not been removed or corrected. 

XXXX XXXX XXXX  {$780.00} Self lender {$520.00} I believe that these inaccuracies are adversely affecting my creditworthiness and financial standing. Despite my efforts to rectify the situation through the dispute process, the collections accounts persist on my credit report. 

I kindly request your assistance in investigating this matter and facilitating the prompt removal of the inaccurate collections accounts from my credit profile. 

Your prompt attention to this matter is greatly appreciated. If you require any further information, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
all I need is the inquiries deleted. check letter thank you

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 2023-09-08
Company: Experian Information Solutions 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:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX and 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 explanation
Consumer complaint received 2023-12-19
Company: Weimark
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To my complete and unbiased knowledge ( *Weimark Credit Services * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C . 1681.

Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. I am expecting a response from you within 30 days from the dat you receive this letter. If said documents can not be produced, please delete this eviction from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation