BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-10
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was forclosed on by suntrust on XXXX 2013. Suntrust was suied by a class action suit and lost for illrgally foclosing home in the 2013 time period. I was part of the case and awarded money. I requested Suntrust Morgage escalation Resolution team to remove this from my credit since I was part of the class action suit and awarded money for there actions. They refused and stated my forclosure was valid and correctly reported to the credit bueru. I disagree since they were suied for morgages they forclose during 2013. It was for XXXX they had to award to customers. I would like this removed from my credit ( XXXX, XXXX and XXXX. All my attempts to keep the home was not accepted by suntrust. ( Loan modifacation, short sale ) They were goin to forclose on house nomatter what I tried to do. If they had forclose correctly they woulfg have not lost the class action suit for XXXX which was awarded to thousands of customers. I recriced a check also I was forclosed on 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 2020-04-03
Company: Halsted Financial Services, LLC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt originated with XXXX XXXX XXXX  and is very old. I experienced hard times starting in 2017 and could not pay the debt. However, I did pay an insurance premium on this account which was supposed pay the debt in the case of job loss. I started this process, but from what I can determine, the creditor did not apply the insurance and settle the account. 

Fast forward to the present and they came out of the woodwork trying to collect this debt. They are using three debt collectors, Halsted Financial Services, XXXX, and XXXX XXXX. Each collections agency is stating a different amount for the debt owed. 

XXXX XXXX, has threatened to file a lawsuit in multiple emails to my private email account. See Attachment. 

The Halsted agency calls me incessantly using different numbers from the state of Georgia. Given the current situation with the coronavirus, in case a family member or friend is attempting to reach me from a different phone number, I can not screen calls. The Halsted agency even started sending me text messages. See Attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: GA
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:
This report is not filed by a Credit Repair company or a 3rd Party and is this is not a DUPLICATE Complaint. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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 Account Name : US DEPT ED Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This report is not filed by a Credit Repair company or a 3rd Party and is this is not a DUPLICATE Complaint. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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 Account Name : US DEPT ED Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # 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 2015-05-27
Company: Renton Collections Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
2012, in Washington State, I visited the Emergency Room due to XXXX. I had some minor injuries. I was told that the government has a program to cover my visit due to the cause of incident. I never received a bill or was informed about the current bill I have had.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-04-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
XX/XX/2022 XXXX : My name is XXXX XXXX. I am writing in regards to XXXX XXXX XXXX, XXXX  attempt to collect a debt on behalf of American Express. The account ending in XXXX. 
The total balance owed, as I understand is : {$5400.00}. I am writing for assistance because I do not wish for this team to take the harshest penalty on me, by suing me for the funds in which I explicitly do not owe or possess. 
I am a XXXX veteran of the USA. I have no available funds or assets to liquidate to satisfy this debt in full or at thirty-five percent. 
I do not own a vehicle. And I do not own a home and I do not own any properties. I am not actively employed. I live with my family XXXX XXXX XXXX XXXX with one XXXX  XXXX XXXX  a XXXX XXXX. I survive on an XXXX  XXXX  daily. 
I am able to secure via family agreement, a full payment, to clear this debt in the amount of {$1500.00} given that XXXX XXXX XXXX, XXXX. is able to accept and agree in full, that, this debt will be satisfied and there is be no further collection attempts and that American Express will in good faith honor this payment as a debt satisfied in full with no further collection attempts and all lawsuits will cease immediately upon receipt of payment! 
XXXX XXXX XXXX, XXXX. will be able to reach me via telephone at : ( XXXX ) XXXX, only if this communication is something they are going to accept and allow a payment of {$1500.00} to me made on the date in which they contact me. 
If this offer for settlement is accepted, XXXX XXXX XXXX, XXXX. may contact me via telephone to collect a payment of {$1500.00} in full. Once the payment is posted, they will submit to me via email and fax ( XXXX ) XXXX, a receipt for payment, as well as communication advising that the debt is satisfied and paid in full with no further collection or legal attempts to me made. 
Thank you, XXXX XXXX XXXX XXXX XXXX Ct XXXX 
XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, 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:
I found out that there are two accounts on my credit report that do not belong to me. I found out today XX/XX/19 when I signed up for a credit monitoring service because I am working on improving my credit. I did not know these accounts were on my credit report because I did not open them, I've never had any written/verbal contract with any of these companies nor have I allowed anyone else to open an account with these companies. I suspect that they belong to my father XXXX XXXX XXXX. I am still investigating the situation and I have already filed a police report. I did not benefit any money, goods, services or any other benefit from any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
I contracted XXXX at the end of XXXX due to an outbreak that occurred in my office. Contracting XXXX at the time led to me having a severe adverse reaction due to a pre existing medical condition with my XXXX making it next to XXXX XXXX XXXX. This led me to having to be XXXX for several months after. 

This entire situation led for me to be without work From XX/XX/XXXX to XX/XX/XXXX and I am just now able to get back on my feet to work on making payments towards my loan. I am seeking accommodation to have the late payments being reported for the account under my name to be updated as current for Months XX/XX/XXXX to XX/XX/XXXX on all 3 bureaus because I had XXXX  ability to be able to keep up with the payments due to being severely impacted during the ongoing COVID-19 pandemic. 

I appreciate your help in this matter.

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 2020-04-03
Company: Bread Financial Holdings, Inc.
State: MD
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:
Commentity Capitol Bank is keep trying to make me pay for an installment line of credit that I didnt agree to, the merchant signed my name off on this for a hair procedure I never got done

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went through annualcreditreport.com and was only able to gain access to XXXX. Experian and XXXX did not provide reports. Both times connecting timed-out and then said I 'd have to try back in 12 months.

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 2015-05-06
Company: TMX Finance LLC
State: TN
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$1500.00}, on a Title Loan from Title Max, XXXX, TN, on XX/XX/XXXX. As of XX/XX/XXXX, I have paid {$2000.00} ( {$570.00} over the {$1500.00} borrowed, - in 9 months ). Yet, the Merchant claims TODAY I still OWE- Balance - {$1000.00}, requesting a total -- SUM of {$3400.00}, -effectively Interest & Fees of -- -- - {$1900.00}, on a {$1500.00} -- 9 month loan ( exceeding appx. 700 % APR ), abusing State & Federal Laws..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NJ
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 explanation
Consumer complaint received 2020-04-03
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
No contact from Citibank in over a month. Can not reach them. On hold for hours. I need service with my credit card and possibly opening a savings account. They have completely eliminated customer service. Zero human contact. How are you going to reach me if I don't provide any personal information? Here 's my email address. 

XXXX XX/XX/2020 2020

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 2020-06-20
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello CFPB, I have a collection for XXXX from XXXX. 

I am not aware of the original transaction date, just that the collection was placed back in XXXX where I noticed it in XXXX. I have never used XXXX and have been using XXXX XXXX   plan for the last 3 years. To more make my case I know it's not mine, is I have never received a email, physical mail, call, or any other means to make contact with me directly about a charge. 

On my XXXX  credit report. I have attempted to dispute with them, where they think it is accurate per my letter received. I have tried to contact XXXX  multiple times, however they do not answer. Nor is the website working correctly where I can not get in online to verify the so called information reviewed, or reach them by phone. 

I have had experience in mishandling before with disputes not actually being investigated. Last one I had was when I was a teenager, where XXXX  XXXX XXXX determined one as  accurate. Even though it did not even have my name in the original charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$1700.00} XXXX  XXXX XXXX  XXXX {$450.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2022-04-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a certified letter to TransUnion On XX/XX/20 disputing a fraudulent joint account that was posted to my credit report from a company named XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has not replied to my certified letter requesting verification that this joint collection belongs to me in over 45 days. TransUnion has failed to provide any documentation to prove this account belongs to me or was opened or requested by me. No documentation of a signed contract or any other documents provided or supplied to me for review from TransUnion. 
My credit report has no inquiries from this company further proving this is a inaccurately reported debt. 
The collection company reported this debt as a joint collection account to TransUnion credit bureaus without providing prior notice to me allowing me to request the designated 30 day period to dispute the account and request verification.

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 2017-05-23
Company: American Credit Acceptance, LLC
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:
In  XXXX   XXXX  of  XXXX . I went to  XXXX   XXXX  in  XXXX , TX to look at getting a new car, after mine had been totaled in an accident that previous  XXXX  that was not my fault. The agreement was that i was to get my current car. A  XXXX   XXXX   XXXX   XXXX   XXXX , and they would roll over the remaining {$500.00} of my previous loan ( From  American Credit Acceptance ) o nto my current car loan ( with   XXXX   XXXX   XXXX   ). I finished all the paperwork and drove away with my new car in  XXXX .  XXXX  told me they would cut a check for the payoff amount remaining on my car, and i would send the check in to pay off the previous loan with ACA. A month passed, after repeated phone calls to  XXXX , and no check ever came, u ntil one day  i got upset and drove down there, where they told me the funds were processed on  XXXX   XXXX , but they lost it. I was noticeably unhappy with their response, so they cut another check. Which they did not get to me until  XXXX   XXXX   XXXX , at this point I was already 3 months behind on my car payment, to where ACA was threatening to reposes a car that I did n't even have.  XXXX  said they would take care of the situation, but never did. I let it take a backseat to some other issues in my life, but when it came time to trade up to a new car, the problem arose again, and i had to contact  XXXX  again, where at first they did n't want to admit fault, but after some digging and pushing they finally did. And i got them to send a letter, and the lady stated she would submit i t to ACA  and the credit Bureaus but never did. Now it 's bee n three month s since she told me she had done it, and nothing has changed, and im honestly just sick of waiting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 I submitted an " opt-out request '' request from LexisNexis not to share my public information. I am challenging the validity of the legal process in which this information was shared. I am asking the Experian credit Bureau to remove this item from my credit report due to the improper process used to post this public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Frontline Asset Strategies, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to XXXX around XXXX of XXXX  and through out may to dispute a fraudulent charge under my name for {$3800.00}. I have never opened an account with XXXX i was told they couldn't do anything and to contact the debt collector. I have no idea which debt collector to contact since i was never sent a lettter, email or phone calls about this debt. I wasn't given the option to dispute this debt through XXXX  nor XXXX. This charge for XXXX dollars was XXXX fraudulently and i have XXXX information about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card
Issue: Late fee

Complaint:
TDBank who is now the creditor for XXXX XXXX. We purchased furniture Back in XX/XX/XXXX and in XX/XX/XXXX they stated that we purchased more, which we never did. I contacted them to find out why all of us sudden our new monthly payment went up, my wife and i were astonished when they told us that this rat change had been done since XX/XX/XXXX. Keep in mind that we were setup for electronic statements and searching the emails, no statements and been sent to us in any folder in the email account. We spent over 2 hours on the phones with representatives yesterday, including supervisors who could not find anything wrong with their system, but could n't track any outbound email either. I think that it banks should be notifying consumers at any time that their rates change. Whether that is a phone call, paper statement or e-statement. This was not done and i found the " customer service '' to be less than satisfactory. We no have to dispute XXXX more late charges but since no statements have ever been made, why did it take 3 months for this bank to let us know that the late fee 's had accrued.

Company response to consumer: Closed with monetary relief