BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: MS
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:
Hello, I am writing this complaint after reaching out to the lenders to correct incorrect information on my credit reports. I also want to complain that these companies are not following the mandates as set by the Cares Act for fair reporting. The accounts in question are with XXXX Bank, XXXX ( XXXX ), and XXXX XXXX XXXX. These accounts have inaccurate information across all 3 major credit bureaus. Ive sent letters to the bureaus to dispute these inaccuracies as my right to do so as stated in 15 U.S.C section 1681 i ( a ). In addition, these accounts fell delinquent in 2020 during the COVID pandemic. Accommodations and communications were made with each of these lenders. All accounts are now paid as agreed but past delinquencies are still reported on my consumer reporting. It is my understanding that according to Cares Act, if accommodations have been made and accounts are current. All delinquencies from XX/XX/2020 should be reported as current. My resolution is that all these delinquencies be removed from these accounts that fit this criteria. 

The file attached comes from the Experian website about credit Reporting under the Cares Act

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 2022-08-22
Company: Experian Information Solutions Inc.
State: VA
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'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX : {$3900.00} XXXX XXXXBalance : {$0.00}

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 2022-08-22
Company: EQUIFAX, INC.
State: VA
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'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXXXXXX 52391415****Balance : {$3900.00} XXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a debit card from Bank of America for an account that I never opened. I called the customer service number on the back and created two fraud claims ( one for the checking account and one for the savings account that had been opened in my name ). I received emails a few days later indicating that the fraud investigation was complete and that I should fill out a form and provide a copy of my driver 's license, passport, Social Security card and other information that seems unnecessary to resolve a fraud claim for accounts that I never opened.

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 2022-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/21 : fraudulently scammed by a woman impersonating a real estate agent. And made several payments totaling XXXX $ via Bank of America app using XXXX. 
XX/XX/21 : filed a claim on the two payments of XXXX $ for the property which I had not only been shown in person but watched the woman access the key box to enter the property to show me. There was evidence leading to her being an agent and listing the property online in the marketplace of XXXX. I have attached more than enough evidence to support my case and be refunded the XXXX $ at minimum. It cost me my home during thw holiday season. I dont have any family to stay with or help me out. I was simply screwed. The bank claimed they were not responsible due to it being a third party transaction but they own XXXX! I have more review d I have also already submitted to the bank. Ive reported the woman to authorities and filed a police report as well. I have provided all of this info and more to them with no luck of recovering my savings. I worked from a home office. When I list my place because I lost that money, I was put out of work again for the second time since Covid. Bank of America should back their customers rights and stand up to these criminals. The womans still out there stealing money from victims! She needs to be held accountable for her crime and so does Bank of America. By them denying my claim, based off of false allegations they are not affiliated with XXXX, refusing to provide me with the transaction ID so I could file with XXXX, they are stealing my money and just as much a criminal as that woman.

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 2022-04-24
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act the following companies has violated my rights. There are inquires on my report, that I did not authorize. 

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. 

XXXX XXXX/ XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Dept of XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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:
Experian and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian and XXXX that I was a victim of identity theft. Experian and XXXX are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I need them to be held accountable & have the this account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}

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 2022-06-23
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The mortgage company removed me from autopay without notifying me via emailing, then reported me to credit agencies for non-payment when my payments were cancelled by them. 

For context, autopay worked fine for the first 6 months of the loan ( XXXX XXXX XXXX ). In XXXX, they told me autopay would be reset and I would need to sign up again. I signed up for autopay on XX/XX/2022, and I've attached the e-mail confirmation I received from them on XX/XX/2022 that autopay was setup and my first payment would be made on XX/XX/2022. Between XX/XX/XXXX and XX/XX/XXXX, they removed my account from autopay without notifying me via e-mail. Payments were never processed and they reported me to credit agencies when my account went 30 days overdue, causing a significant drop in my credit score.

I have complied with all of the mortgage company 's requests. I've messaged them, called them multiple times, they asked me to file disputes with credit agencies and I did ( they denied the disputes ), I've submitted disputes and Goodwill letters through their own system and they rejected them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Genesis FS Card Services, Inc.
State: NY
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, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed hard inquiries on my credit report that weren't mine : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-22
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 noticed hard inquiries on my credit report that weren't mine : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MN
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:
The following XXXX XXXX XXXX MasterCard Account : XXXX-XXXX-XXXX-XXXX  listed on my Equifax and XXXX  credit report is lost/stolen, and the credit card account dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXXXXXX 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 explanation
Consumer complaint received 2022-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a email from Bank of America, asking Me to confirm My email address. I never applied with Bank of America. I received an alert though My credit report that Bank of America had pulled a copy of My credit report. This may be fraud/ identity theft.

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 2020-04-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to unexpected expenses, attempting to manage a tax bill that was beyond my means, I began to miss payments on my credit cards in XXXX. In this case, my MACYS credit card, I missed XXXX, XXXX and XXXX payments. This caused ensuing fees as well as a rising minimum balance. I informed the bank of my inability to pay and the reasons during this time. I did not avail myself of the ability to close the account. I wanted to make the payments and restore my credit. I started paying in XXXX. XXXX paid XXXX. XXXX paid XXXX. XXXX scheduled to pay {$150.00}. Because of the current COVID crisis I could not pay on my due date which was XX/XX/XXXX. I asked if I could have eleven days extension and maybe waive late fees. And pay by the XXXX. They said there was no extensions, no waiving of fees. I would just have to miss payment deadline with all the resulting consequences. I scheduled the payment anyway. In the interim my account was closed after the closing date. Because despite my previous payments I was still considered 4 months past due. 
When I called to discuss the closing of my account and I reiterated the issues over the last few months and I referred back to my conversation regarding XXXX 's payment AND they were aware of my upcoming XXXX payment. They said my account was still closed because I was overdue. All of my other credit card banks have worked with me, with even larger debt and I am slowly becoming current on their balances. MACYS/Citibank did nothing to help me during my own financial crisis except tell me pay or close your account or you become more delinquent. Even in face of the many financial challenges of the COVID crisis they weren't willing to suspend action on my account for 11 days when my {$150.00} would have put me less than 4 months past due. I had a spotless payment record prior to XXXX. A record that every other bank recognized in understanding my current crisis. I received no regard from MACYS/Citibank. So I want to bring attention to their total lack of assistance or empathy or even regard for my previous business in dealing with my financial struggle. Lastly, I will say I had no intention of closing my account or remaining in delinquency. I planned on returning to solvency and continuing my business with MACYS/Citibank. They had no interest in that. They just wanted their payments regardless of my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Wednesday, XX/XX/2023 I stopped payment on an {$800.00} check from me, XXXX XXXX XXXX to XXXX XXXX. I had intended to rent studio space from XXXX but less than an hour of returning home, I had misgivings and walked directly to the branch of Truist Bank ( formerly BB & T ) and met with one of their Customer Service Representatives to stop payment on the check. 

I don't write checks that often so I did not recall thee check number but looking through my checkbook it appeared that the check number was in the low 200s. The Truist CSR confirmed that the check that I'd written an hour ago had not been cashed, so that when I left the bank, I felt secure that Truist had stopped payment on that check. 

Later that day, I received an email from Truist indicating that a check was pending and on XX/XX/2023, I received an email indicating that the check had cleared. 

I immediately walked over to the Truist branch at XXXX XXXX XXXX and inquired why the check had cleared in less than 18 hours despite my efforts to stop payment on it. The two CSRs that I spoke to were unable to provide me with a reason other than the check numbers you provided were " out of range despite the fact that I seldom use checks to pay for anything and {$800.00} is an unusually large amount of money for me to pay anyone. 

Truist typically puts a 3-day hold on customer checks. Why did Truist fail to put a hold on my {$800.00} check and fail to recognize the Stop Payment request that I'd filed at that same branch? 
What Giles me the most is that I specified the recipient, the date and the amount and Truist still cashed the check.

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 2022-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to find out why my credit report from Equifax called in on XXXX has not been sent as of XXXX. I called them but was not able to understand the person who had a lot of background noise and a heavy accent. Would not identify where they were located.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXXXXXX XXXX {$820.00} i try to contact XXXX XXXX XXXX and now they sold my debt to credit collection servic and no one is helping me i cant get in toch with debt collector XXXX XXXX Submit this complaint NOT a COMPANY XX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: CA
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:
It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation