BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; PXXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Truist bank decided to declare my account as fraud. They shut me out of my. Account last week of XXXX, did not pay my automatic withdrawals so I lost my life and car insurance and a payment for a personal loan. I was told i couldn't spend my money how I wanted. I have a friend XXXX who does not work in a country with Wi-Fi internet towers plastered everywhere consequently he and his workers use steam cards. The site said they could. They need to upgrade apps, talk to banks and businesses. Excuse me I know this person. At the same time he had deposited checks into my account. At this point I told him not to approve as the bank said they were closing my account to fraud which I said wasn't. I didn't get anything from the bank about a problem until after XXXX, consequently they held my automatic deposit and I couldn't pay bills, get food, gas nothing. I am XXXX  XXXX I want an apology, double my direct deposit amount and their higher than XXXX attitude diminished. Since when can we not spend our own money for a friend and not told it's fraud. XXXX XXXX XXXX and now I don't want a us bank. Something is wrong with this system. I earn, I spend not fraud. Those two deposits were to be placed on hold, but they moved to my account causing overdraft fees, one hand doesn't know what the other is doing at this bank.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2022-06-21
Company: Law Office of Brett M. Borland, P.C.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I broke a residential rental lease with XXXX XXXX in XXXX, KY. I was told to do you I had to pay one month 's rent as a penalty. I did so. I was then told it was two months. I told them that was not what I was told upon leasing and I moved. Three years ( late XXXX ) later I attempted to rent an apartment and found that XXXX XXXX had reported their purported debt on my credit report. I had to get a co-signor to rent at that time. During the following years, I hired a credit counselor to handle this issue. The counselor could no longer find XXXX XXXX as they sold the apartments and are no longer in existence. Now, in XXXX, I am again attempting to rent an apartment and this invalidated debt is still on my credit report. I hired an attorney to attempt to find the proper party. It was determined that an attorney in XXXX, Georgia, XXXX XXXX claims to have purchased the debt. His employee, XXXX XXXX, contacted me and told me that I can play the debt with her. I asked for this in writing and she refused, stating that their office does not put anything in writing. I asked her how I could be protected by a verbal agreement. She stated that she would not lose her license for such a small debt. I then contacted the XXXX  XXXX XXXX and was told that XXXX XXXX is not a licensee. I am also filing a complaint with the XXXX at this time. My attorney, XXXX XXXX has attempted to contact XXXX XXXX for over two weeks. Attorney XXXX has emailed a release to be signed upon payment and XXXX XXXX refuses to reply. Myself as well as my attorney have asked for the documents to prove my debt repeatedly. XXXX XXXX 's employee indicated they have never had such information and will have to request that information. I have yet to receive anything. I am being held XXXX by his refusal to act. A quick check of the XXXX XXXX XXXX website will show that this office conducts itself in this manner as a course of business. Please advise as to any and all remedies available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly review the attached documents. I am urging the bureau to start an investigation into these accounts where I am never late, yet they erroneously report me as such.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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. 

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 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 ) 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 2022-06-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a Loan Modification with Select Portfolio Servicing, Inc. ( SPS ), which was deemed complete as of XX/XX/2022, per the attached SPS correspondence dated XX/XX/2022. In said correspondence, it states that if any scheduled sale date is in place, SPS will contact the attorney to have the foreclosure sale postponed. SPS failed to reach out to their counsel XXXX XXXX XXXX to request a postponement of sale while the review of modification was taking place. 

SPS kept the sale date of XX/XX/2022, and denied the loan modification within 6 calendar days of saying the loan was complete. However, stated they would need roughly 30 calendar days to review. I am not convinced my loan was probably reviewed for all options. However, in the denial, it states I could consider a Deed in Lieu as an option and that I had an appeal period of 30 days before any sale would be scheduled, or conducted. It also states in the right to appeal section that SPS would again request a postponement of any scheduled sale date with their counsel XXXX XXXX XXXX. Once again this did not happen! 

However, SPS kept the sale date of XX/XX/2022, in the system, which should have been postponed after the complete loan modification package was received. Also, the sale date should have also been postponed for the appeal period. SPS failed to comply with their own correspondence and furthermore failed to comply with Federal law regarding the required time period before a sale date can be scheduled during the appeal period and once the appeal period ends. In addition, did not provide a timeframe to apply for the Deed in Lieu of foreclosure which they said I was eligible for. I am looking for the CFPB to provide justice so that I don't lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX, XXXX XXXX, XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX NA XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I put a check into an ATM to fund a new account at 5/3 Bank. I already have multiple checking, savings and business accounts and have for about 20-years. This check was to fund the new personal account. I checked the next day to find the issuing bank ( XXXX XXXX XXXX ) which is local, had paid the {$5000.00} check to 5/3 but it was showing up in the 5/3 account as " Pending ''. I waited 2 days and checked again. Still pending. I did a chat with 5/3 complaining that was not right. Said they would not release the money to my account until XX/XX/XXXX ( 10 days ). Their response to my complaint was " The availability of funds does not guarantee that the check has cleared the bank that it is drawn on, or that the check is authentic. Each deposit goes through the same verification process. Whether a hold is placed on a deposit or not is determined by the life and activity history of the account the deposit is going into. Also, it would depend on the issuing bank verifying the deposit during processing ''. But the check had already cleared the issuing bank. I could see it on the activity statement ( I have access to that account as well ). 5/3 has done this several times before when I deposit a check of over {$2000.00}. It's almost automatic. 

Now, here is what they are doing I think : The put a hold on the big checks that come through ( even if they are cleared the next day by the issuing bank ) and then make money off the float. Interest from my {$5000.00} won't amount to much but if they do this some 10,000 times per month, it would be sizable. In the meantime, they are telling the customer the check hasn't cleared or isn't " authentic ''. 

Now, one solution on my end is just to change banks but I have about 10 accounts, credit cards, debit cards, etc. and to change all those would be a huge burden I don't have time to do. Plus, I have no assurance another bank will be any better. 

For the most part, 5/3 has done OK over the past 20-years. Local managers have gone out of their way to accommodate but this is out of their hands. 

If, for some reason, the bank has reason to believe a check is fraudulent or the money isn't transferred in a timely manner, a hold seems appropriate but when the money is transferred in 24 hours and they still hold it for 10 days, that just plain unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: ND
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 have 2 previous addresses and 4 previous employers that are completely wrong. 
Also unauthorized inquiries that need to be deleted.There are accounts that are not mine and not late and charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 associated with 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, Account # 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 2022-08-19
Company: EQUIFAX, INC.
State: OH
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  Account # XXXX -XXXX Account # XXXX XXXX XXXX Account XXXX XXXX -XXXX  Account # XXXX DP of education, 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 2022-04-23
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts, listed as being in " collection '' have violated my rights : XXXX - XXXX, XXXX - Experian As per15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

These items were reported to credit bureaus in XXXX. I contacted the reporting creditor and was referred to XXXX XXXXXXXX XXXX as the creditor denied knowledge of any account despite being provided with my name and XXXX. The creditor ( XXXX ) referred me to XXXX XXXXXXXX XXXX  who then referred me to XXXX XXXX, neither of whom had a record of the account being in collection or sent to XXXX for collection. After disputing the erroneous item with all 3 bureaus, the error was removed from XXXX reporting but remains on my XXXX and Experian accounts.

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DP of education, 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 2022-06-21
Company: Experian Information Solutions Inc.
State: IN
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  Account # 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 : It also states a consumer reporting agency can not furnish a 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 ) 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