BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the third time I am filing the same complaint against the same company. All you do is contact the company for them to reply. When are you going to step in and do the job my taxes are paying you to do?      SunTrust Mortgage ( Loan Number   XXXX   ) con sistently misapplies my payments. I make my payments e very two weeks i n the amount of {$550.00} for a monthly mortgage payment of {$1000.00}. This leaves an additional principal payment of {$99.00} each mon th. SunTrust ha s been applying the full {$550.00} to the principal, rather than applying it to the monthly payment. Then, when the  XXXX  of the month comes along, since the full payment has not been made they charge me a late fee of {$30.00}. Even though they have received full payment.     I have only had this mortgage since  XXXX , yet they continue to try to steal money from me. You wrote to me on  XXXX   XXXX  that you were sending my compla int to SunTrust.  On  XXXX   XXXX   SunTrust wro te that they had reapplied my payments correc tly ( for  the second time ). On that same day, they AGAIN misapplied my payment to the principal. In spite of the fact that when I wrote to them I included a payment schedule for the entire calendar year showing how much they would receive and how each payment was to be applied.     I want your office to step in and do your job. Simply sending my complaints  to SunTrust is  not enough. They continue to illegally try to steal money from me and your agency has thus far done nothing to prevent this. I am contacting  Senator   XXXX  and Congressman  XXXX  to ensure that you do your job and g et SunTrust to s top this illegal activity.

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 2016-07-03
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never been contacted from the original creditor ( apartment complex ). after 3 months a debt collector contacted me and sent me unverified bills ( unreadable/blur ) and also none of those bills have my name on it, my ex-roommates only and they trying to charge me of the whole amount that i do n't know what it was for!! we left the apartment clean and they did n't say anything until after 3 months and never contacted me directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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 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 2019-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates been trying to contact a person who shares my name for several months regarding a XXXX  XXXX  debt dating back to XX/XX/XXXX. I have written to them several times to tell them they have the wrong person. I have no XXXX  XXXX  credit card on my credit report, and have never had any XXXX  XXXX credit lines in my life. The person they are looking for has a different middle initial than mine, and the last four numbers of her SSN are different than mine, and I have never lived at the address listed on the credit card bills that PRA has sent to me. All of these things can be corroborated through my credit reports and other legal documentation. The only thing I have in common with the person who owes this debt is a first name and last name, and the fact that we both apparently live in Colorado.

Alleged Debt Amount: $XXXX
Billing Period on most recent Credit Card Bill: XX/XX/XXXX-XX/XX/XXXX
Dates of Recent Correspondence from PRA:XX/XX/XXXXXX/XX/XXXX; XX/XX/XXXX; XX/XX/XXXX

This complaint comes on the heels of a similar complaint regarding PRA which I submitted to CFPB in XX/XX/XXXX. That dispute was satisfactorily resolved when PRA wrote to tell me that it had closed out the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
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: Account status incorrect

Complaint:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX &  XXXX XXXX XXXXXXXX # 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 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that closing my PayPal account was a mistake. Since 2021, I've been using my PayPal account for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My PayPal account, XXXX, has funds in it that I need to withdraw as soon as possible for emergency purposes. And I'm hoping to regain access to my account and withdraw my funds. Thank you, and God bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Synovus Bank
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed the account with First Progress Card via the consumer reporting agencies on XX/XX/XXXX. The information came back verified and updated. Recently I have pulled my consumer report and noticed that First Progress Card has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX with a closing date of XX/XX/XXXX. First Progress Card has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead First Progress Card charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to me and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. I have reasonable cause to believe that the information furnished by First Progress Card is inaccurate. I also have reason to believe First Progress Card is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I have reason to believe that First Progress Card is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). I am also aware that if First Progress Card has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain. Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ). Please be advised that my consumer report must be equitable to me at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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:
In accordance with the Fair Credit Reporting act, 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 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 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 : States a consumer reporting agency can not furnish any account without my written 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 2017-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a custom {$970.00} costume from XXXX. The merchant sent a damaged and unusable item. The merchant said she would start a claim with XXXX and send me a prepaid return label to return the damaged item to he and she would give me a refund. I waited day after day and she never sent. I have proof of the text messages of me asking her every day for the label and her ignoring me. I sent records of my phone bill of me trying to contact her and her ignoring me. I filed a claim with the Bank of America and they initially gave me my money back. Then the merchant lied and said she told me I had 3 days to return the item to her on my own. You can see in all her messages that I have from her that that never happened and she told ME to wait on HER sending the prepaid return label. I have pictures of the damaged items that she saw and her response to seeing them. I have all the proof that I need that she sent me damaged goods, claimed she started a fedex claim, ignored me and never sent a prepaid return label and essentially stole my money and left me with damaged goods. She did n't answer any calls or texts and left me to file a dispute against her with credit card company. Where this becomes Bank of America 's fault is they sent me a letter asking for this proof, I have faxed the proof to them twice and have the fax confirmations that both times the faxes went through. They never reviewed any of my proof and sided with the fraudulent merchant. I spoke with XXXX in XXXX and sent the proof to him on XXXX/XXXX/16 when claim was active, I called again when I received a letter saying my claim was denied and spoke to XXXX in XXXX and she said to go to a Bank of America branch and re fax the proof with the confirmation proving that it went through the first time and I did that as well. XXXX at B of A on XXXX XXXX in XXXXXXXX sent it again and AGAIN I got confirmation it went through. XXXX said to call back in 48 hours to make sure it was received and I did that. I spoke to a very rude guy named XXXX in XXXX and he said they did n't have any faxes, yet again. I said I have proof that they received it twice and he did n't care. I asked to speak to a manager and was put on hold another 10 minutes before an even ruder and less helpful guy named XXXX in Maryland came on. He said I was " out of luck '' because they did n't receive anything. But really I am out of luck that B of A is incompetent when I have proof they received my faxes twice and did n't bother to review them. How is my bank, my cc company, siding with a woman committing fraud and they wo n't even look at the proof that THEY asked me for. I am disgusted by their incompetence and lack of effort. I will be canceling all cards and filing a civil suit against the merchant.

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 2021-11-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife and I had an Auto Lease Loan with XXXX XXXX  ( via XXXX of XXXX ). The lease expired on XX/XX/2020 and the vehicle was returned and the end of lease paperwork sent to XXXX XXXX. However, they kept sending us bills post lease end date and did not acknowledge lease had ended until XX/XX/2020. In the meantime, a payment late has showed up on our credit history and attempts to get rid of it has been unsuccessful. 

Please help.

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 2022-05-15
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:
In accordance with the Fair Credit Reporting act, 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 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 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 : States a consumer reporting agency can not furnish any account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a complaint XXXX XXXX, XXXX ( Case number : XXXX ) attempting to resolve an issue with a home equity line of credit with Countrywide that ended up with Bank of America. An attorney from an XXXX practice replied, so I thought it was third party, but later I found out they were representing B of A. I replied to the inaccuracies of that initial response letter, but was never given the opportunity to talk with anyone with authority to resolve the issue. XXXX XXXX, XXXX I wrote same attorney again since I never heard from B of A and the 6 month extension the foreclosure attorneys had filed in XXXX had passed. AGAIN I asked to pay the money I owe. On XXXX XXXX I received a motion for summary judgment. XXXX suggested I call the filing firm, XXXX XXXX XXXX XXXX XXXX XXXX, to request a settlement. I was told the figures in the motion that was filed on XXXX XXXX are not accurate, that they reflected figures from XXXX XXXX, which does n't make any sense to me. I was told I can negotiate only with B of A. I have called XXXX XXXX for XXXX XXXX and their supervisor XXXX on XXXX, then her supervisor XXXX XXXX on XXXX, then her supervisor XXXX 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 non-monetary relief
Consumer complaint received 2016-03-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I make my routine monthly student loan payments via automatic payment- I have XXXX loans, XXXX subsidized and XXXX unsubsidized. On XXXX XXXX, 2016, I made an extra payment which I wanted to go to XXXX loan only and as a principal only payment. Navient did not have any means on its website to provide these directions, so I immediately sent an email with the instructions. A few days later it was not made, so I sent a follow-up email with further instructions. Today, because it was not corrected, I called to make the change. The CSR with whom I spoke said that I could not make a principal only payment. That sounds inaccurate and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: WELLS FARGO & COMPANY
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:
On or about XX/XX/22, I received a notice of a declined credit card from Wells Fargo, I also received an alert from XXXX XXXX about a new inquiry from XXXX XXXX XXXXXXXX, two actually. I immediately called both as I had not applied for any new credit. I have since filed the appropriate paper work with the XXXX, sent certified letters, along with supporting documents. Police report, driver license etc. Asking for the hard inquiries to be removed from my credit as XXXX had determined it was fraud and has closed the checking account, and credit accounts down. However, the hard inquiry still remains, they have stated that the credit reporting agency must receive a dispute that they can not help. I have already done this and the credit agency states that only the creditor can remove the hard inquiry. I do not know what else I can do. I have followed all of the steps necessary but am not receiving the result I need.

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 2017-12-26
Company: EQUIFAX, INC.
State: NY
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 recently found 6 accounts has been listed wrongfully by XXXX, XXXX and EQUIFAX I have filed FTC report # XXXX and also i reported to local Authorities XXXX # XXXX accounts has been listed below as : ( ( 1- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) -  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXXS XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation