BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX my wife contacted Truist Bank about a lien on our HELOC we have through them. When the HELOC was approved in XXXX, neither the bank nor appraiser noticed that the property linked to the HELOC was not the property that should be linked to the HELOC. We have given 2.5 acres to our daughter to build on the land that is owned outright and located on the property the lien is incorrectly on. We requested on XX/XX/XXXX that a partial release be made immediately so our daughter can move forward with her build and then have the HELOC linked to the correct piece of property. My wife and I have contacted the bank numerous times to get this resolved and never receive any information. The person we originally contacted to fix this talked to my wife once and myself once and then would not answer or return our calls. I went to the bank in person, got nowhere and then went to a different branch. It has been almost 4 months now and I am still not being given any information other than it's with the legal department. This was a mistake made by the bank and should have been corrected immediately. My daughter has been unable to move forward with her build which could have been mostly completed had it not been for the incompetency of Truist 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 2022-10-31
Company: Atlanticus Services Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Got loan from fortiva for purchase of XXXX XXXX XXXX. Purchased in XX/XX/XXXX XXXX functioned well until I moved. Moved to new address XXXXXXXX XXXXHad XXXX reinstalled end of year XXXX at new address .The beginning of XX/XX/XXXX my family and I noticed personal property missing, yet we got no alerts of doors being opened. This has continued until now someone entering my home stealing. I usually shred my receipts when I purchased things. I called XXXX many many times my property was being stolen XXXX wasnt getting alerts. So the last timeI shopped I took pictures of what I purchased also took pictures of receipts and sent them to my daughter. Couple days later went out to run errands, returned home to find half of my things missing that I just purchased. Since I had proof of my purchase I was XXXX to file a police report, also my daughter was a witness. I reported to XXXX the burglary and the police report. I wanted the equipment checked it was being breached somehow. They want to charge me, No I will not pay this has been going on for 10 months. I called so many times, and they wont replace XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2023 Walgreens, XXXX Tx XXXX I was checking out at the counter, when the Walgreens Associate asked if I would be interested in a Walgreens Card to save more money on my purchases, I said yes, but I didn't want to apply because it would put a hard inquiry on my credit report. The Walgreens Associate picked up the phone by the register and called someone in management, I assumed. He asked if I could apply without a hard inquiry, and I was told that there would be no hard inquiry on my credit report if I didn't qualify. I agreed. I didn't qualify and there is now a hard inquiry from Synchrony Bank, in XXXX.I called Walgreens in XXXX, TX regarding what happened and was told they couldn't help me with the problem that they had caused. I want this inquiry removed from all three credit reporting agencies.

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 2023-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXXXXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Foris DAX, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I thought I was trading with the company and my wallet was connected using the Crypto.com XXXX XXXX. As crypto.com was a legitimate platform I never thought it could be a scam. I informed crypto.com about the scam that occurred and requested their help. They rejected my request stating they have nothing to do with it. 
On XX/XX/2023, I sent my dispute letter to them, and On XXXX XXXX they informed me they have worked under their terms and condition and they can not help me. On XX/XX/XXXX I sent them another challenge letter and requested to look into the matter in more detail. They replied me back with the same response. 

A total amount of XXXX USD has been scammed from me using the Crypto.com XXXX XXXX starting from XX/XX/2023. I traced my transactions and movements of the currencies as well and even submitted the report to Crypto.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: HYUNDAI CAPITAL AMERICA
State: GA
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: Investigation took more than 30 days

Complaint:
Hyundai Motor Finance discriminated against me because I am an XXXX American woman. They falsely reported my car payments to the credit bureaus as being in default and their illegal repossession of the vehicle after all my payments were current! I no longer wanted to do business with this scamming company and I paid off the loan and cut ties to them! Since XXXX they began reporting false negative payment history on my credit reports! I have disputed this and to no avail nothing gas changed! Hyundai with their ongoing discrimination and targeting XXXX American customers reported to credit bureaus fss as law information they even reported I took my lisn through Kia Motor Finance to cover up their discrimination towards me and to ruin my credit! To this date I am unable to get a place to live because of XXXX false information! The credit bureaus refused to remove this false information off my credit report! I never signed any loan documents for XXXX XXXX XXXX! XXXX did this to cover up their fraud and discrimination and not posting my payments on my account in an accurate way. I am facing homelessness due to Hyundai Motor Finance ruining my credit! I do not owe them I paid off the loan in XXXX and sold the car in XXXX! I need help to get compensated for what Hyundai Motor predatory lenders did to me! I was charged a higher interest rate because I am XXXX American and they mishandling of my account plus their false information to the credit bureaus that I took a loan out under Kia Motor Finance to cover up their discrimination and fraud! Please fine them all in lithe Credit bureaus. Thank you

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 2022-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I wrote a letter to your honorable department dated XXXX and submitted it via email to the following address : consumerhelp at federalreserve.gov. It was regarding illegal activity within XXXX XXXX 's XXXX system with the former gubernatorial administration under XXXX XXXX XXXX. My complaint also includes illegal red-lining practices by XXXX XXXX  in finance working in government positions within XXXX XXXX XXXX XXXX XXXX. Bank of America 's XXXX XXXX  is practicing illegal red-lining tactics by forcing natural born citizens who do not work for the government and seek to self-actualize via private funding into their rigid aggregate limits. They're stifling the growth of the country and aborting our defenses. It's a delibrate attack on the Millennial generation, on young people.

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 2023-08-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to Lowes to get something to fix my bathroom. When i went to the register and switched my card it declined. I told them that I make all my payments on time and there is a mistake. They advised me to call the credit department, to my surprise I was told by a rep. that my card was closed. I asked who authorized them to close my account. They stated because I wasn't using it, they closed it. I was very upset at that time. Then I was thinking I has a balance at that time, and I was making all my payments on time. Now my credit is being affected because they are reporting that I have been late on a closed account that they took up on themselves to close. It is affecting me so bad that I can't even refinance my vehicle to get lower payment. This is really embarrassing and affecting my life in a very bad way.

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 2022-10-18
Company: OneMain Finance Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2022 I noticed that I was overcharged interest by One main financial through their brightway Plus credit card when I reached out to speak to management in regards to the overcharge I was given the excuse of the interest charge was based off of {$460.00} which was not even my ending balance for the month of XXXX they repeatedly told me that it wasn't for the month of XXXX I was being charged interest it was for the month of XXXX when I explained to them they had already charged me interest in XXXX and if their interest charges are based off of the prior month then I shouldn't have seen any interest at all for my first statement but I did. When I spoke to a supervisor she too gave me the same excuse and the same poor answer when I explained that my ending balance for XXXX was {$68.00} and some change and my interest charge is meant to be based off of that she kept repeating that the interest was charged based on XXXX but my statement says it was based off of XXXX when I asked to speak to a manager in regards to the situation because the charges don't add up and they don't make sense and legally as far as what they're supposed to be charging for interest and how they're supposed to charge interest they certainly aren't following those rules if they're charging me based on my last month as opposed to my last month which is on the current statement there is an issue because that's not what I signed up for I was under the impression that if I paid off my balance before the end of the month which I did that I wouldn't see interest if XXXX 's ending statement showed {$68.00} then I should have been charged interest based on {$68.00} and when I let them know I was filing complaints with the better Business bureau as well as consumer finance they begin to ignore me and refused to assist me they have refused to respond to the better Business bureau and they refused to call me and refuse to address the situation this is a very unprofessional very greedy company because if they're ripping people off on a large scale they're raking in millions off of fraudulent finance charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I initially opened this account with payment and high balance online I was told I would have a XXXX credit line in which was not true. 
I always paid on time not leaving balance I noticed once I removed the extra feature of product protection and inquired about introduction fee The level of customer service became aggressive and unprofessional. 
After inquiring about introduction fee of over XXXX dollars before card was ever used and the fact that it represented high balance on credit report I was placed into a situation where my account was in fact closed. 
My mother went into a XXXX XXXX  I needed to rent vehicle while renting a vehicle using XXXX XXXX through XXXX XXXX  I received an alert stating my credit card had been closed out due to identity theft. In which I had no clue of what what going. 
I was told to return vehicle causing me trouble and financial damage because this creditor excercised unlawful action against me and my credit profile. 

I had to go through financial rejection and damages to the date. 

Card was allegedly reissued to my knowledge I never received another card and did not have any knowledge of charges made because I couldnt place rental charges for vehicle on credit card and balances was indeed paid in full before card went into use and was closed.

I show a high balance of XXXX dollars in which I did not create because credit card was not available to me for purchase purposes although looking in my records it shows it was closed it says afterwards high balance and charges from original Credit line was suspended with balance paid XXXX thru XX/XX/XXXX THIS A DELIBERATE ATTEMPT at destroying profile after requesting inappropriate fee return. 
My card was not used by me after date for rental car service in which they refused invoice. 
This is redundant and illegal because it reflects negative on report since XXXX until XX/XX/XXXX currently unfair charges on record. 
Back in XXXX spoke with comptroller and corporate representatives but was highly disregarded in my time of grief in which I felt compelled to resign from contact until I could recover from damage done!

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 2023-01-05
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/20, I ordered furniture through a remotely working XXXX XXXX furniture rep. I knew my limit was close to the Max because I had just purchased a couch recently and it was. The card would be able to cover roughly {$230.00} and there would be a balance of {$70.00} that I could pay in cash or the rep offered me to increase my limit by {$300.00} to cover the costs. I asked specifically if it was going to hit my credit, because if it didI did NOT want to do it ( as I am in the process of getting inquiries off my report. ) He checked and told me it would not. I was approved for the {$300.00} increase and got my receipt via email. Right away I received a credit monitoring email saying I had a new hard inquiry. When I questioned the rep, he told me he told her 3x on a recorded line that I did NOT want a increase if there was an inquiry and she told him each time it would not put on on my report. He was told that this women had applied for a line of credit rather than an increase. I was told to call XXXX XXXX and they would be able to reverse the increase and remove the inquiry, but when I called, they only said they could file a dispute with the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
Experian continues to refuse to add my 100 word statement to my credit file as requested multiple times.

Experian provides vague excuses that they do not understand my request which is quite simple : ADD MY 100 WORD STATEMENT UNAMENDED to my credit file. I do not understand how difficult that is to do. 

My request also includes sending me a copy of my revised credit report with my statement so I have proof my statement has indeed been added to my report file as requested now for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on XXXX website.

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 2023-01-05
Company: TRUIST FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I am NOT financially responsible for the real estate mortgage loan with Truist Bank formerly Suntrust Bank opened on XXXX in the amount of {$32000.00}. It belonged to my mother. I have NEVER signed as applicant, co-applicant or guarantor for any loan or real estate mortgage reporting on my credit file with XXXX and XXXX. Truist bank is FRAUDULENTLY verifying that the information reported is accurate which is AGAINST THE LAW. I am requesting that TRUIST bank deletes the loan account from my credit profile IMMEDIATELY. Should they refuse, I request that they supply you with the record of original loan application and settlement documents with my signature as evidence that I am a signor of the loan in dispute.

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