BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: TRUIST FINANCIAL CORPORATION
State: TN
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:
My complaint is about customer service with Truist Bank ; Service remains very good at my local Truist Bank here in XXXX but its absolutely horrible if calling into Truist Customer Service by phone. 
There is never any immediate availability of a customer service represenative and im always put on hold for an average of at least 30 minutes before some Truist Customer Service representative becomes available to speak with me. And its usually someone with a XXXX accent that is very, very difficult to understand and often have to ask the Truist represenative to reat their comments more than once. 
BB & T customer service was easy and very good but after the merger with Sun Trust Bank and forming Truist Bank custimer service has become totally unacceptable due to call wait time, the many XXXX customer represenatives that are very difficult to understand ( Not meant to be a XXXX comment ), the inability or actions to follow up on or remedy my requests or needs, etc.

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 2016-04-04
Company: FCI Lender Services Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I contacted FCI Lender Services on XXXX XXXX by phone and spoke with a XXXX XXXX at Extension XXXX who informed me that I FCI Lender Services provides the negotiations for Loan Modifications and that I needed to put together the package of information and send it to them via fax or mail. I submitted my loan modification application and completed their questionnaire on XXXX XXXX, 2016 via fax and also by USPS with receipt requested delivered on XXXX XXXX, 2016 and signed by a XXXX XXXX. Today is XXXX XXXX, 2016 and I have not received any response to those my Loan Modification request or acknowledgement of such. Additionally, I called again on XXXX XXXX, 2016 and left another message with the general information Voice Mail for FCI Lender Services Inc which has also gone unanswered. I am filing this complaint as I have not received any response to my application.

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 2016-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent in a complaint about Bank of America, ( XXXX ) concerning my loan modification. Recently my income had dropped, and I sent a letter to Bank of America, explaining my problem and asking for a reduction of my monthly mortgage payment of {$830.00}. They sent me their response with a loan modification that costs more than what I was paying per month of {$840.00}. Obviously they are not interested in working with me to keep my home, which I have owned for 27 years. Also, they only call me when I am not home. How do they know when I am NOT home? They leave a message, and I call the numbers they give me and no one ever answers. Tricky. Tricky.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient continues to call at least XXXX times a day. I have explained to them that when I co-signed the notes for my sons private loans I was working and making good money. Since then I was taken out of work by my doctor ( 4 years ago ). I applied for my XXXX and after 2.5 years was deined. I draw a little over a {$1000.00} per month with my XXXX retirement check, which I started drawing 2 years ago this XXXX. With my XXXX and XXXX, there is now way I can pay this loan back for my son who is still seeking gainful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I ordered a credit report from Experian on XXXX XXXX. The report number is XXXX. 

On my credit report XXXX shows a status : " Refinanced, closed/Never late. Balloon payment of {$57000.00} due XX/XX/XXXX. '' I called and spoke to " XXXX in XXXX XXXX '' ( that 's all the identification he would give me ) who told me that I should n't worry about this. It will just drop off my report XX/XX/XXXX. He agreed that since my status states " closed/never late '' there could n't be a balloon payment due. So I told him that the law requires Experian to remove any incorrect data from my credit report and that 's what I want them to do. He kept reading me my report - the statement above - and would n't agree to have the false information removed. 

I am asking that the CFPB require Experian to comply with the law and clean up my credit report. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
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:
I recently submitted a dispute with TransUnion regarding an unverified account on my personal credit report with XXXX/XXXX. TransUnion deleted the account with XXXX/XXXX. TransUnion recently reinserted the account without my knowledge. I have not received any correspondence regarding the method this account was verified including the information that was initially requested from them. My rights have been violated, and I have expressed this to TransUnion with no recourse.

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 2022-03-27
Company: I.C. System, Inc.
State: MS
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2022-03-27
Company: CITIBANK, N.A.
State: OR
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 rewards from credit card

Complaint:
I received an offer in the mail from Citibank for their XXXX XXXX  XXXX. The ad said if you spend {$750.00}. In the first 3 months after receiving your card that you will get {$200.00}. In rewards. After 4 months and {$900.00}. Later I called and was told the offer was for {$200.00}. After spending {$1000.00}. I said no I have a screenshot of the ad and it clearly says {$750.00}. After going through a few others I finally got to speak to XXXX, who gave me dispute # XXXX and said the money would be in my rewards in 3-5 business days. When that didn't happen I called back and ended up texting and sending them my screenshot of the ad. In the end they said they were filing the dispute and I would here something in the mail, which I did, the next day. It also said my offer was for {$200.00}. After spending {$1000.00}. Unbelievable, after spending them the proof.

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 2022-03-27
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Checking and Savings account was opened online with Citibank in XX/XX/XXXX. Soon after, I received checkbooks for my checking account. 
I deposited a {$10.00} check from my Citibank into another bank account ( my account at this other bank ) ( dated XXXX XXXX, transaction into other bank took place on XXXX ), only to be told by the other bank that my check was asked to be returned by Citibank ( on XXXX ) as my Citibank checking account had the status of being blocked or frozen in XX/XX/XXXX. 
Upon calling Citibank customer service over telephone, I was informed that the service of using checks from my checking account was not activated. I asked for the activation on XXXX during the same phone call. The agent informed me that I would have received in my welcome pack in XX/XX/XXXX, instructions to 'activate ' the function of using checks from my checking account. 
I had not received any such instructions or warning notice with my checkbooks. I checked my account online on citibank.com and could not find any link to activate checkbooks or this basic checking feature of my checking account. 
The other bank charged me check return fees ( {$10.00} ) as from their point of view, I sent them a check which couldn't be cashed. 
I think it is ridiculous that despite opening the checking account successfully online with Citibank, requesting and receiving check books for said checking account, I am supposed to 'activate ' this basic and core feature of a checking account, while such a basic requirement is not done automatically by the bank upon account opening. 
This is an anti-consumer practice. Citibank has provided no such instructions on their website for this checking account that I could find and I can not find any such letter with instructions from XX/XX/XXXX, even though I keep such physical correspondence from the banks I have a relationship with. Citibank only keeps e-documents for 12 months from their release, so they don't have any documents from my account opening from XXXX that I can download to verify their claims.

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion is It's not updating my credit reports activity I have restoutlined numberestart to the XXXX XXXX XXXX  and maybe fuse to correct the mistakes which is making it hard for me to establish credit and to get the assistance that is needed during these rough times I have no other option button reach out to the consumer protection bureau and hopes that they can reach out to TransUnion to correct this so that way I may be able to able to sufficiently provide for my family and my family and retrieve the help that is so desperate needed at this 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 explanation
Consumer complaint received 2020-03-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A third party collector has been calling me and my ex employer to tell them they are calling the police for a credit card out of the statue of limitations. Its been ten years, I havent heard a thing about it then today theyve been harassing me nonstop.

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 2022-03-27
Company: SYNCHRONY FINANCIAL
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:
My information might have been impacted by the XXXX XXXX breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX XXXX SYNCB/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 2022-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My information might have been impacted by the XXXX XXXX breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX BK OF AMER 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 2021-01-13
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Fidelity National Information Services, Inc. (FNIS)
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:
send informatyion to all : XXXX XXXX  all information on the report, not mine XXXX XXXX XXXX ( same ) XXXX XXXX XXXX ( same ) XXXX XXXX ( same )

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2017-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, while on unemployment, I reached out to Keep Your Home California for assistance with making my house payments. At that time I was told that Wells Fargo was participating in the program and that I would need to get specific paperwork from them. When I called W/F requesting the paperwork, I was connected with a home preservation specialist. This person informed me that Wells Fargo had an assistance program under the federal government 's Home Affordable Unemployment Program that he could put me right into, no wait time or paperwork, I only needed to fax a copy of my unemployment insurance award letter and my monthly payment would be reduced for 12 months. As soon as the XXXX payment was made, I received a demand letter from Wells Fargo for nearly {$40000.00}. That is when they put my into their loan modification program of which I have never been able to qualify for. I either did n't make enough money, or I am making too much. The value of my house was n't high enough or it might be to high. Negative Net Present Value is usually the deciding reason they give for not giving me a modification. I even offered {$50000.00} to pay down the arrearages. I believe that this original home preservation specialist was in an incentive/bonus plan for steering me into the Wells Fargo unemployment program that left me owing them, and them denying all modifications, whereas the KYHC program was a helping hand through the federal bailout plan. When I directly requested the notes on my file during this period, I was denied in writing. They said I needed a subpoena or court order to obtain the information on my file. I was informed yesterday when I called Wells Fargo that I was in foreclosure, with a sale date of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
this is for equifax. they will not remove anything from my credit report without a copy of my driver 's license and social security card. so i am going to upload them along with a copy of ftc id theft report and police report. so that they can remove the requested items from my credit report. otherwise they told me they cant remove them without the required documentation

Company response to consumer: Closed with explanation