BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have previously submitted a claim to Trusit regarding notification of an increased escrow payment of XXXX with less than 30 days notice. The increase in escrow was due to a mistake made by Truist, they paid my annual taxes twice and overdrew the account. Instead of taking responsibility for the mistake, they have repeatedly ignored my request to adjust my mortgage payment while the issue is resolved. Both investigations by myself and Trusit have determined that they paid the city of XXXX XXXX more than necessary. They have applied for a refund, however, while the refund is processing, my current monthly payments are increased by over XXXX due to the overdrawn account. The burden of this increased payment should not fall on me as the consumer. I believe this was done maliciously by Truist to force foreclosure. I have reached out multiple times by phone with no response. They call and leave messages with no updates letting me know a letter will be sent in the mail. They closed my original case with the CPFP after resolving absolutely nothing regarding the monthly payment increase. As I stated before, I believe their practices are predatory, a violation of RESPA among other laws and I will be taking legal action at this point since Truist is unable to do the right thing.

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 2023-05-11
Company: EQUIFAX, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX  XXXX XXXX Balance : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and Experian ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint.

Any further contact regarding LATE PAYMENTS by you, your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights.

I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual.

Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account.

This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights.

I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response.

Task that you respect my consumer rights.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently within the past week received emails from Experian and a company I was unfamiliar with. They both warned me that credit cards had been opened under my name.

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 2023-08-14
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:
To whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions i dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-09-24
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After finding out that I am being scammed by XXXX XXXX for {$5000.00}, I tried to get in contact with XXXX XXXX, the owner of the company. XXXX has not answered any of my calls or returned any of calls. Then I reached out to Navy Federal XX/XX/XXXX to initiate the dispute. On XX/XX/XXXX, they stated that due to me sending the money to the company, this does not constitute for fraud. I explained to them that the company misrepresented themselves and had me send money to another company. They also stated that because its a scam, the automatic clearing house ( ACH ) will not accept it because it being a scam. They suggested that I take this to civil court. On XX/XX/XXXX, I reached out to XXXX for assistance but they redirected me to Navy Federal. On XX/XX/XXXX, I tried to reach out to XXXX  to XXXX and I have not received any calls from him. They alleged that they are working on my XXXX warehouse but I have not seen my inventory sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I bought a vehicle with XXXX XXXX XXXX XXXX and given Predatory Interest and payments on a XXXX XXXX XXXX {$650.00} XXXX XXXX with Flag ship Credit Finance. I work in XXXX  hours reduced one day week. I filed bankruptcy and the trustee dismissed my bankruptcy so that I could be harassed and preyed on my predators because I missed on Meeting of Credtors and not because my bankruptcy was abusive. But because I am a XXXX XXXX. I then began to get harass phone calls and threats from Flagship that the would XXXX XXXX XXXX XXXX XXXX  using XXXX in the XXXX. They called me and I told them I needed a week or so to come up with {$7000.00} and I could pay them {$500.00} because I just got a job. They denied my request and started calling me continuously and never sent me a letter. The judge and Trustee dismissed so that I could be harrassed. They XXXX XXXX XXXX in GA

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 2022-09-24
Company: JPMORGAN CHASE & CO.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Our home in Missouri was flooded on XX/XX/XXXX of this year. 
We received a {$3000.00} and {$20000.00} advance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We endorsed both checks and deposited them at a local Chase branch in XXXX, MO. 
Their fraud department flagged the checks for improper endorsement. 
I screwed up on the {$20000.00} check as it was supposed to be endorsed by my mortgage company. 
Instead of returning the check for improper endorsement they froze my account and insisted that my mortgage company stop by a chase branch and endorse the check ; it doesn't work that way. 
They refuse to return the funds to XXXX XXXX XXXX 
I have gone up the chase ladder as far as I can with no resolution. 
This is taxpayer money that they have confiscated and we could use some help as we need to rebuild our home. 
Can you help or put me in touch with someone who can? 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries Equifax ... .. XXXX XXXX, XXXX XXXX 3 . FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3600.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX ( XXXX, Open Date XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX  ( XXXX, Open Date XX/XX/XXXX, Balance : {$3500.00} ), XXXX XXXX XXXXXXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX, Balance : {$2500.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This Dispute is geared towards the five credit reporting agencies, XXXX XXXX XXXX, Transunion, XXXX, and XXXX. These companies are in the business of running criminal enterprises. XXXX and XXXX is in the business of selling personal and private information to Transunion, XXXX, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and XXXX are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT

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 2022-08-23
Company: EQUIFAX, 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:
I have been disputing with Equifax on multiple accounts that they are reporting on my consumer report without my consent, or option to opt out of it. I know that a credit report is supposed to be fair and adequate and with the negative information that they are reporting it is all but fair and adequate. Equifax is in violations of my consumer rights. They have violated 15 usc 1681 I ( 7 ), 15 usc 1692 ( E ) false and misleading information, 1692 a ( 3 ) ( 5 ) ( 6 ) B ( 1 ). Equifax is also in violation of the privacy act of 1974. Most definitely in violation of 18 usc 892-894.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of the previous complaint. Although I have been paying my homeowners insurance to M & T Bank each and every month without having the homeowners insurance in place due to M & T 's neglegence and not informing me that I did not have any insurance since XXXX of 2022. I have requested those funds to be returned to me and they state that they had to pay taxes with it even though they increased my morgage payment for 2022 to cover the increase in taxes in my area. They are refusing to return the money I have been paying each month for 8 months and not having insurance.

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 monetary relief
Consumer complaint received 2023-12-06
Company: Bread Financial Holdings, Inc.
State: ND
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I'm not in the financial stability to be able to pay the amount I'm in debt with the credit card XXXX XXXX XXXX dollars I need help in so close to the point of literally XXXX my apartment I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: TN
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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:
Furnishing my report without consent. In accordance with the fair credit act, my rights have been violated. 15 U.S.C 1681 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. I recently viewed my credit report and notice some unauthorized accounts on my credit 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 explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: MD
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 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 an account without my written instructions. 
15 U.S.C 1681 c. ( 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 crime which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 reasonably cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : 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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
I have received a security breach on my identity through my credit report on TransUnion and XXXX XXXX. I noticed that my private information was available on the dark web. A XXXX woman named XXXX XXXX is in the military using my social security number with a license issued in Florida with the last four digits as XXXX. Her zip code is XXXX and her number is XXXX XXXX XXXX. My number is XXXX and I am XXXX. Not only that, there were some loans and a credit card opened without my consent.

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 2022-04-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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