BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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. 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 15 U.S.C 1681 section 602 A. States that I have to 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 1681c ( 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 crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) : also states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-07-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is an existing claim number XXXX. I was charged {$1000.00} to get a loan modification from Litton Loan servicing and I had to short sale the property losing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX we applied online at Truist.com for a business line of credit for our company XXXX XXXX XXXX XXXX. Upon completion of the application credit was immediately denied. To date we have received no communication from Truist regarding the reason ( s ) for the request being declined. I sent an email the same day to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others but never received a response. A friend who works for Truist forwarded my email thread outlining a number of issues including this one to two merger leaders. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back.

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 2015-12-12
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to get a loan modification from SunTrust Mortgage , Inc . I sent my documents in their pre-addressed envelope, but they say they never got it. Today I tried to fax the documents, but the fax phone just rang and never picked up. I am going to try scanning and emailing, and I will resend the documents USPS return receipt. SunTrust does not offer an address for overnight packages. I get the feeling I 'm being XXXX around - that my documents were indeed delivered but are lost somewhere, and that the fax number provided is bogus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: PA
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:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX 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 I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2017-02-03
Company: CITIBANK, N.A.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is to blow a little steam and open the CFPB 's eyes to CitiMortgage and their CB reporting. And perhaps CitiMortgage will take a deeper dive into their own CB reporting - perhaps look through the XXXX? 

For some reason, CitiMortgage has been sending the Consumer Reporting Agencies a XXXX, which has been removing the tradeline from the scoring algorithm calculated by XXXX. I 've NEVER once submitted a Direct Dispute, so no Compliance Condition Code should be on the loan. Compliance Condition Codes are only supposed to be used when a customer submits a Direct. Even if your practice is to place a CCC on a loan with an XXXX - I 've never once submitted an XXXX either. After calling in to CitiMortgage, I think they 've removed it, but would like this double checked. 

Secondly, XXXX has my employer listed as CitiMortgage as well. WHAT? I do n't work at CitiMortgage. I have n't checked my other bureaus yet, but I 'm sure they have the same info. My thought process is that, for some odd reason, CitiMortgage is submitting an XXXX segment advising that I work there. I 've disputed this with XXXX, but as previously stated I have not checked the other bureaus and would like you to verify and make sure you are not reporting this out month over month. 

One more XXXX to pic. I 've had nothing but problems with your company since I 've taken out the mortgage. Every year, my Escrow shortage payment gets messed up, and every year, I have to call in and get that fixed. That 's probably how the XXXX was placed on my loan, or perhaps it was last year 's CFPB complaint that prompted you to place it on there, but ... I was told that you wo n't remove the escrow and just let me pay my taxes as they come in. XXXX forbid. 

P.S. I manage CB Reporting/Disputes at a financial company - so I know what I am talking about. And I know that the CRA 's mess up a lot. It 's possible that the CRA 's botched the data on their end. However, in all probability it 's CitiMortgage who is furnishing inaccurate information.

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 2022-04-18
Company: GLA Collection Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collection agency has been contacting me since XXXX with mail being sent to my house and calls every single week since. In XXXX i paid them for the collection i owed on the medical debt. Then in XXXX they added another charge, then in XXXX they added another charge with amounts higher then what i actually owed the hospital ( {$200.00} ). As of right now they have added two accounts of medical debt to my credit report and i think they are about to add a third. They have harassed me non stop and keep on adding debt. I received another call today where I told them to stop harassing me and said its against the law and the lady on the phone said no its not. I just want this debt cleared and off of my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I had not been receiving a bill due to an address change and was not made aware of it until months later so that the debt collector could rack up unfair interest charges. The debt collector had made no attempts to contact me prior to reporting the outstanding debt to Experian yet I was not given the opportunity to correct the situation when I reached out to Experian. 

I regularly make payments far greater than the amount in question and have never missed a payment ; this interest extortion is clearly is not reflective of my credit score and Experian is wrong to be misrepresenting my creditworthiness. I don't have this issue with any of the other credit agencies. 

I have been unable to reach Experian subsequent to my initial dispute filing.

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 2016-01-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
On XXXX I requested a full refund of {$440.00} from Best Buy for a two year renewal protection plan I purchased on XXXX that was unilaterally cancelled by Best Buy on XXXX ( four days before it was to begin ). Best Buy said Id be emailed an answer to my request in five to seven business days ( Reference XXXX ). Today is the XXXX business day and I did not get the answer I was promised, which is not surprising when you consider the following : *I purchased a laptop two year protection plan ( maintenance, accidental damage and XXXX Tech Support with XXXX ) on XXXX for {$300.00}. 
*I renewed the two year protection plan on XXXX for {$440.00} ( XXXX to XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRUHOME SOLUTIONS, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello- I am trying to catch up on my mortgage payments. TruHome Solutions are refusing to let me pay my XXXX XXXX. I told them that I could make that payment today and make the XXXX payment once I talked to my insurance company about the increase in my escrow account. 

They told me they would only take a payment if it was 2 payments even if that meant me falling behind even more. I asked several time over the phone to please let me make a payment and he refused. I started recording the conversation after we got into an argument over him refusing to let me make my XXXX payment. Allowing me to make this payment will bring me more current. I will make the XXXX payment this week once I speak to the insurance company. Making these payments will prevent me from going into foreclosure. 

I expressed all of this to XXXX XXXX and I have a recording of the end of the conversation with him refusing to let me make the payment. The recording is being attached to this email. 

Here is the contact information below : XXXX XXXX Loss Mitigation XXXX XXXX TruHome Solutions , LLC XXXX : XXXX XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a federal student loan with a company called ACS. I have tried multiple times to set up an income based repayment plan with them as I have with other loan companies. ACS consitantely claims they never received my application via fax nor my documentations. I sent the documentation ( 3 ) times. I never heard anything back from them. Every time I called they claimed they never received my documents. I received a letter in the mail that stated if I did not send them {$30000.00} by XX/XX/2017 my loan would go into default.This was after I tried multiple times to set up various types of payment plans with them. They stated I was not eligible for any type of deferments or forbearance 's until I bring my account up to date by paying them {$5000.00}. I have never been behind in my loan payments until ACS became my loan service. I am desperately trying to avoid the loan I have with them from going into default however they are not willing to work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a phone bill racked up by my ex wife using my name on a XXXX account, I do not or have not had a XXXX account in many years and especially not in the time frame of this bill, I have disputed and won against this same debt before. The debt was proven in divorce court to be the responsibility of my ex wife and should not reflect on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act the following companies 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 15 U.S.C. 1681 section 602A, states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2, states a consumer reporting agency can not furnish an 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 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015, my wife attempted to deposit {$1800.00} cash, XXXX XXXX XXXX dollar bills, XXXX XXXX, XXXX XXXX, and XXXX dollar, into my Bank of America checking account by using my debit card at the ATM machine located inside of the bank. The ATM machine malfunctioned and only credited {$300.00} of my attempted deposit. The receipt stated " Sorry, some of your items could not be processed or returned. Please contact your financial institution. '' I contacted the electronics claim department of my financial institution to place a claim. XXXX separate claims were made. claim number : XXXX represents the {$1500.00}. There was a temporary credit to my bank account of {$1500.00}. This credit was reversed on XXXX XXXX, 2015 because they did not locate any additional cash for this transaction thus closing closing this dispute. They also credited on XXXX XXXX, 2015 the {$31.00} from claim number : XXXX and determined that this claim was resolved and the current status was claim paid. I am disputing the final decision on claim number : XXXX and ask for your office to further investigate what happened to my deposit. I am attempting to forward to you the documentation the bank provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and 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 2016-11-01
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Citibank has denied a Loan Modification on my primary and upon reviewing the limited NPV results they provided, I discovered incorrect income. No mentioned of appeal process, so I come to you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
XXXX payments were never received into my designated Bank of America account. I received Bank of America confirmation text messages which I then had to acknowledge on my Bank of America app to receive the transfers from my business customers into my account, which I did. These transfers occurred between XX/XX/XXXX and XX/XX/XXXX. The Bank of America account was closed XX/XX/XXXX and I received a printed transaction history from XXXX thru XXXX at that time. Unfortunately I did not do a reconciliation. In preparing my taxes recently it was discovered by my bookkeeper the XXXX payments were missing and none were ever received into my account. This was verified by the Bank of America branch manager today, XX/XX/XXXX that no XXXX payments ever were received or deposited into my account. She referred me to XXXX directly as did the Bank of America phone customer service representative. XXXX keeps referring me back to Bank of America - No one is able to resolve why my XXXX payments were never received. I need to know where these payment transfers went and why I never received them.

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