BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reccently, I did an investigation on credit report which caused me to XXXX XXXX XXXX XXXXXXXX upon finding out that unverified, invalided, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of EducationXXXX 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 Thank you very much for your time.

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 2022-04-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my checking account at Truist Bank was hacked. The hacker managed to XXXX {$630.00} out of my checking account, and then on XX/XX/XXXX the hacker managed to XXXX two more transactions, one for {$200.00} and another one for {$50.00}. I called Truist at XXXX and reported all three unauthorized transactions for a grand total of {$890.00}. They filed a claim and the claim number is XXXX. I received documents in the mail which I filled out completely and dropped off at Truist at XXXX XXXX XXXX, XXXX XXXX FL XXXX. I waited in the lobby for over 30 minutes and no one even acknowledged me although bankers and branch manager were not doing anything. After a long wait, the branch manager asked what I needed and proceeded to walk me over to the teller line where they faxed above referenced documents and interoffice mailed the originals. I went in to the branch 4 other times ( XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ) to inquire on the status of my claim, because anytime I called the 800 number I wait a minimum of 2.5 hours and one time I waited for 3.5 hours and ended up getting disconnected. It is today XX/XX/XXXX and I still have not received a call to confirm receipt of my documents and an update on the claim.

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 2020-01-31
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ihave received a wire from my bank of the total amount XXXX $ from an investor in my business account. 
They hold the account for review since last Friday the XXXX. 
I need to have access to my funds immediately as its my rights to do so

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 2017-06-05
Company: CCS Financial Services, 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:
Do not know anything about collection however it has been placed on my credit reports without proper notification or verification

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Experian Information Solutions Inc.
State: MD
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:
There is a collection account on my credit report from state of md XXXX XXXX I've attempted multiple times to have the collection removed as it does not belong to me as I have never attended the XXXX XXXX XXXX XXXXXXXX. Experian has failed to properly investigate after numerous disputes and continue to provide me with a recurring generic response. I sent in a method of verification which they failed to acknowledge and continued to report this fraudulent account. Please properly investigate and have this account removed 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
Consumer complaint received 2021-05-17
Company: Colony Brands, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Found out through XXXX XXXX there was a credit card account for XXXX XXXX that I knew nothing about. They have complete wrong information. The address, zip code and ssn does not match my information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: 3rd Generation, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The creditor is unwilling to try to work with you on late payments. They always threaten repossession as the first line of action. Give ridiculous deadlines and threats and very unprofessional. Call your references and family members right away harassing them if you are late. Very degrading and unprofessional in their actions. A family member offered to help pay my payment but was told that they would not wait until XXXX XXXX it had to be XXXX XXXX the same day or else. Would not come to a workable solution at all. Go with their motive or nothing. Payment is late but not even close to 30 days. Again they were going to receive full payment XXXX XXXX by XXXX XXXX only 15 hours from their request and they were rude and said forget it they did not want the payment. Spoke to XXXX XXXX who was rude threatening and arrogant. His number is XXXX. XXXX XXXX XXXX should not have account managers working for them who treat people like they are loan sharks. Horrible people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX is the name of the business based out of Virginia, yet I get calls every single day from around the U.S. These are not from their designated other locations and they use a different phone number every single time. You block it, they call you from another fake location. Starting from the most recent : XX/XX/XXXXXXXX XXXX, IL, XX/XX/XXXX XXXX, MA, XXXX XXXX, CA, XXXX XXXX Kentucky. They have called me from four different locations, four times in the past seven days. When you answer the phone, they very clearly are some scheme because they hang up after ten seconds of silence, every single time, and it is under the guise of attempting to collect debt if you ever call the number back, if it doesnt say the line is disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently got my credit report and as I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. 

I have called these credit bureaus and was told to file a police report. Nowhere in the law does it state that I have to provide a police report this is clearly a stall tactic and going against my human rights. The inquiries below need to be deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the deletion of these inquires

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 2020-01-31
Company: Experian Information Solutions Inc.
State: MN
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:
Experian back in the end of XXXX I had sent in certified mail to your company and also via the CFPB website asking you what was the method of verification on a couple of trade lines on my credit report but Ive never received anything back from your office I was wondering if you could send me copies of the requested information then I had asked for on the following accounts its XXXX  XXXX XXXX XXXX account also XXXX XXXX   XXXX XXXX  XXXX another XXXX account XXXX XXXX also XXXX XXXX XXXX XXXX card XXXX also XXXX  card for XXXX and XXXX XXXX  XXXX I had asked you arm I needed to know the names and the titles of the people that you spoke with at the companies along with a what information that you sent to them and they sent to you and I did request specifically I wanted physical documents not just you know riffraff of what did this or we did that because it draws concerns to me that some of the information on the credit report that shouldve changed did not and it makes it looks like you guys did not conduct an investigation and which Im almost certainly in my mind knowingly that you didnt its the reason why I am requesting this information Per the FCRA you have 15 days to conduct this and like I said I have not received anything from your office and I would certainly be appreciative and if you already done it you know prior to the request you should have a copy of it so if you dont mind just either email and let me to US mail or you could upload it to the CFPB website would be appreciative as well I will be waiting your response thank you Kindly

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 2020-12-13
Company: CURO Intermediate Holdings
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: Information belongs to someone else

Complaint:
On XX/XX/2020 Ad Astra recovery added a derogatory mark on my credit report identify by XXXX XXXX. 

Upon researching, this account was transferred/sold and Im no longer responsible for this account. 

Ad Astra hasnt verified this collection. I requested on XX/XX/XXXX and XX/XX/2020 documentations that Validates my debt. 

As of today Ad Astra Recovery has only provided me with a bill! A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. 

According to the FCRA, Ad Astra Recovery has violated my rights as a consumer and Im requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had escrow money owed to me from a home in XXXX California. A check amount payment of {$1900.00} was sent to me along with a bunch of paperwork by Aurora Lending. The check was package in such a manner that it made it hard to see there was a check in the heap of paperwork. I kept the paper work for future use. As I had to move due to the pandemic unemployment eviction, I was going through old mail and found the check. I can not cash the check because its too old now. I have reached out Aurora for a reissue of the check as I desperately need the money. I have not received any pandemic relief since XX/XX/2020. Aurora will not return my calls so I am filing a complaint in hopes of recovering monies owed to me. 
Company in the complaint : Aurora Bank  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel-XX/XX/XXXX XXXX XXXX Fax - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint against EXPERIAN credit bureau, pursuant to the Fair Credit Reporting Act Section 623. I sent a notarized letter ( See EXHIBIT ( A ) via certified mail ( See EXHIBIT ( B ) return mail receipt ). 

The purpose of this REQUEST is to have only CERTIFIABLY COMPLIANT REPORTED, physically verified, valid personal identifier information that EXPERIAN create, retain, receive, and or release. Experian has refused to honor my request, for no reason. Attached is a copy of the investigation results dated XX/XX/2022 Report number # XXXX ( See EXHIBIT ( C ) The purpose of my request was because at age XXXX, I am concerned about Fraud. That wrong address information could jeopardize my identity or lead to fraud or various credit scams. So, my request was for identity protection.

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 2017-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the a ttachment for one o f The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering 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 2022-09-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
Hi i am a victim of identity theft back 2 to 3 years ago, upon checking my credit i see these theft un authorized cc, i need these removes from XXXX and XXXX pleaseeeeeeeeeee .... 

ARS account resolution for {$47.00} XXXX XXXX {$860.00} ARS account resolution {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
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 never submitted any written consent for a bankruptcy to be reported on my credit report. I asked all three credit bureaus to remove this information as it is in direct violation of my consumer rights and severely affecting my ability to live. With countless attempts to address this issue, the credit reporting companies continue to ignore my concern and abuse my rights. They claim the account is verified by XXXX XXXX and the district court but I have a letter from both stating is not reporting a bankruptcy or they do not provide such information. The three major credit reporting companies are unwilling to cooperate with the laws given to US citizens.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company allowed my home owner insurance to laps. 
Because they did not pay the policy on time My contract said they are responsible for paying my insurance and taxes on my home through an escrow account. 
I called them immediately after I was notified by my agent and they assured me they will take care of it. 
Now, they are telling me I need to go out and find new insurance. 
I had a great company for my insurance It is hard now to find insurance in Florida. 
This is not my fault, my mortgage payment is in excellent standing.

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 2018-04-13
Company: Riverwalk Financial Corporation
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx showed up on my credit report XX/XX/2018. Trying to collect on a old account with XXXX XXXX XXXX who as of 2 years ago stop taking money out of my account monthly. This was solely based on their decision to do so. And removed it from my account. This company has now placed this on my credit report as a new debt and has dropped my score 41 pts. They have called and i asked them to send me documentation. They told me that they are not the account holder and that they dont have to provide me any of that information. they threatened to garnish my wages. They also stated that time is of the essence and that they can do what they want. They are horrible people and very nasty to talk to over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I gave inquires on my credit report due to thief. I was told by Transunion to send copies of my social security card, ID, Police report, and papers from XXXX to remove all inquires that were made by someone else and information to report the bankruptcy charge off. I sent Transunion all these documents by certified mail and they proclaim they didn't received them which is a lie because I got confirmation from the XXXX stating that it was picked up on XX/XX/2022 @ XXXX XXXX. Which is located in XXXX, XXXX. XXXX deleted the bankruptcy which they suppose to due as XXXX instructed them, but they chose not to. I have an updated police report concerning all of the inquires for all inquires to be removed. Transunion stated that they never got these documents which is a lie because they singed for them please review attached documents.

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 2022-04-05
Company: JPMORGAN CHASE & CO.
State: KY
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:
XX/XX/2022 DID NOT GIVE PERMISSION TO ACCESS MY CONSUMER REPORT NOR DID I GIVE THEM CONSENT TO ADD INACCURATE INFORMATION TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: AL
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 paid off the remaining debt in XXXX which was {$280.00}. All the major credit bureaus have the collection paid off and removed from my credit report except for Equifax which is still showing the amount of {$50.00}. I didnt contact XXXX which is now XXXX XXXX, who is in charge of the debt because its showing {$0.00} on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Americas Car-Mart, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Did not no for 2014 XXXX was XXXX XXXX he told us something different and they would let me go by social security income and the car is XXXX holder name which he it was too high for me they is some rude people and cut the car off if u one day late thats wrong when I told them I get a check on the first of the months.so I would love that to go off my credit. In the XXXX XXXX  was that came from car mart was a lemonade and that the man name XXXX work down there told me he just want use my income for the person that got. Car and he stilll add my name to car when u told him not they rude also lady. Name XXXX and I be call heads company and told them what boy did they my names didnt post go on the car period so he ack did some fraud stuff that was wrong and I told the lady can she please take off that car car/mart in XXXX Ms

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