BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
hello! 
I am writing to you since I have a couple of unacknowledged charges from you. The first is a transaction that did not take place and they made it VOID, but they charged me and the money was never returned to my card. The position is from XX/XX/2023. I didn't use the car, they generated the contract and 30 minutes later they canceled it. The record number is : XXXX. I would be very grateful if you would return my money please. 

XXXX And the second charge occurred last XX/XX/2023, I spoke because they had not renewed my contract and they charged me, the next day ( XX/XX/2023 ) they automatically charged me again. so they charged me double the same week. The contract with the record number is : XXXX, it lasts 5 weeks and they charged me with 7 charges. 6 for {$320.00} and 1 inexplicable for {$73.00} XXXX I appreciate your attention and I hope you can help me. 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 2023-05-12
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During the pandemic I have not been able to repay my Sallie Mae student loan. Rather than automatically pausing loan payments as the federal government has done, they make borrowers use the very limited forbearance the offer for the entire life of the loan. They do not offer any special help during the pandemic other than using this forbearance, which again is limited for the entire life of the loan. Additionally after 3 uses of the forbearance they will not let you use any remaining period for 6 months after, meaning in XXXX I have to start paying or they'll start coming after me. Further they charge interests which are predatory and amount to usury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: OH
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 been violated my federally protected consumer rights to privacy and confidentialality under 15 USC 1681 USCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN PERMISSION. 

15 USC 1681C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 

15 USC 1681 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO 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 2023-12-13
Company: Receivable Solutions LLC
State: OK
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023, Receivable Solutions, LLC Contacted me thru text message on XX/XX/XXXX  from XXXX, I Verified they were a 3rd party. 

I was again messaged today from the same number and called I requested to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OnXX/XX/, I purchased 2 appliances ( washer/dryer ) totaling {$2400.00} from XXXX. This transaction was not posted to my account until XX/XX/XXXX. I opened a dispute with Citibank because I thought the transaction was suspicious since I purchased on XX/XX/XXXX but they posted on XX/XX/XXXX. 

Citibank then cancelled by cards and sent new ones with a new credit card number. The prior XX/XX/XXXX bill was paid in full via autopay on XX/XX/XXXX without the original charge from XX/XX/XXXX which was listed as a conditional credit based on the dispute. 

The dispute was withdrawn once I figured out that the charge on XX/XX/XXXX was correct. But instead of XXXX charge for the original {$2400.00}, there were XXXX identical charges that were put back on my account in the XX/XX/XXXX statement for the original date of transaction on XX/XX/XXXX AND for XX/XX/XXXX. I called Citibank regarding this and that it was odd but the customer service rep assured me that they were seeing only 1 charge and not to worry. 

When the XX/XX/XXXX bill was paid via autopay, on XX/XX/XXXX. I ended up having to pay for the duplicate charges for {$2400.00} which was {$4900.00}. When I called Citibank again about this double charge, they provided a conditional credit while they investigated. 

Then in the latest bill Citibank has posted the credit refund on XX/XX/XXXX for the duplicate charges which should have resolved the issue but then the XX/XX/XXXX charge of {$2400.00} was carried over into the latest bill. So what should have been resolved, Citibank has charged me yet again for the same charge from my XX/XX/XXXX statement which was resolved. 

I have called Citibank no less than 7 times at each step to try and resolve it but they keep asking for more documentation multiple times and closing and opening the dispute. They're giving me the run around and not addressing this dispute to resolve it even though they have all the information and I have called numerous times. I have paid every bill on time and am just seeking to have the payments reconciled which is pretty obvious from looking at the statements.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was prompted to pull my credit report after recently learning that my information was leaked in the XXXX data breach. I see personal information and accounts on my report that do not belong there.

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 2019-10-08
Company: Applied Data Finance, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Apparently this company called XXXX XXXX XXXX claims to collecting on behalf of XXXX. Their call from a Ms XXXX XXXX who claims to represent the lawyers have been persistent during working hours. I tried to negotiate but they would not provide documentation. After that she called my work place several times Tuesday XX/XX/2019 and Wednesday XX/XX/2019 and left voicemails threatening to contact payroll dept. 
I am in the process of contacting them to indicate when and where they can call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
Sent letter saying that I was a victim of a data breach 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 explanation
Consumer complaint received 2023-07-18
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Discover Financial Services Credit Card Department XXXX XXXX XXXX XXXX, DE XXXX Reference Number : XXXX Subject : Opportunity to Cure - Credit Application and Compliance Violations Dear Sir/Madam, I am writing this letter to bring to your attention certain concerns regarding my recent credit application with Discover Financial Services. I believe there are several compliance violations that require immediate attention and resolution. I am also making you aware of certain legal considerations that pertain to the credit application process. 

Firstly, I would like to emphasize that a credit application is a form of self-liquidating paper that serves as legal tender. It is essential to acknowledge the value and significance of this document, as it represents a contractual agreement between the applicant and the credit issuer. 

Furthermore, it has come to my attention that the social security number provided in the credit application is considered a credit card in and of itself. This understanding is crucial in ensuring compliance with relevant regulations and safeguarding the rights and privacy of individuals. 

Regrettably, I believe that Discover Financial Services may be in violation of multiple Code of Federal Regulations ( XXXX ) violations and potentially engaging in security fraud. It appears that XXXX has willfully failed to comply with these regulations, which raises concerns about the integrity and legality of its operations. 

In light of the aforementioned violations, I wish to inform you that Discover Financial Services is now in agreement with the terms and conditions set forth by XXXX XXXX XXXX. As per the schedule fee outlined by XXXX XXXX XXXX, XXXX is required to take immediate action to approve my credit application within a period of 10 days. 

I kindly request that upon approval, the credit card provided reflects an open-ended status, ensuring maximum flexibility and utility for my financial needs. It is imperative that Discover Financial Services takes prompt action to rectify these issues and comply with all relevant regulations and agreements. 

Please consider this letter as an opportunity to cure the aforementioned violations and rectify the situation within the specified timeframe. Failure to comply with this request may result in further legal action to protect my rights as a consumer. 

I look forward to a prompt resolution to this matter. Should you require any additional information or clarification, please do not hesitate to contact me at the provided contact details. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We are in a CARES Act protected program in consideration by HAF/DEO Florida - We applied in XX/XX/XXXX when 18 months was the allowed period of time. We are a family of whom three persons have XXXX. Our case was decided 5 months late so as to group us into XX/XX/XXXX when FL Executive order decided to reduce federal fund payouts to only 6 months. Rapidly our case was closed to make it inaccessible since. We are whistle blowing and pursuing the 12 months still owed separately by formal appeal XX/XX/XXXX after a wage-earner within the family has long XXXX and XXXX XXXX as a result. There have been covid funds questions since as missing funds may have been diverted away from the benefit of homeowners like us. 
Meantime, Midland Mortgage & MidFirst Bank are aware of all this as the fact of a government review being fully noted on our mortgage. Instead, the bank is pursuing delinquency. They did not follow the CARES Act and on our case which is fully certified and underway by HAF they reported both mortgagee homeowners to the credit bureaus, ignoring a Forbearance request sending a form letter requesting documents prohibited by the CARES act. They ignored an online application filed XX/XX/XXXX when non delinquent and while refusing to reply under the Americans with XXXX XXXX as pre-notified they reported us to the Credit Bureaus so our good standing credit of XXXX dropped almost XXXX points. Every loss mitigation step we qualify for including streamlined USDA refinancing on our government-guaranteed mortgage was bypassed. We noticed they started pursuing debts days within the 15 day grace period when they hadn't yet defaulted, as well as fees which Statute prohibits. Every effort to resolve by our reaching out repeatedly with proof was ignored, instead accelerating us into foreclosure. This is bad faith by the mortgagors which has worsened our health and they are liable for job impact directly caused by continued non compliance and non response. The online access seems to exist as a front to purport to be following statute and stipulations.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2020-02-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS INFORMATION REPORTING IS UNKNOWN I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES YET THEY ARE ON MY CREDIT REPORT FROM XXXX XXXX EACH COMPANY REFUSED TO RELEASE MY CREDIT REPORT. THEN I HAVE MEDICAL BILLS ON MY REPORT AS WELL MY BANKRUPTCY STILL SHOWS AFTER I HAVE REQUESTED TO REMOVE IT AND ACCOUNTS LIKE XXXX XXXX KEEP REAPPEARING AFTER THEY WHERE INCLUDED IN THE BANKRUPTCY. THESE OTHER ACCOUNTS LISTED BELOW ARE UNKNOWN TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =THIS ITEMED IS CHARGED OFF AND SOLD 3RD PARTY AND IT WAS IN MY BANKRUPTCY TOO MERCHANT CREDIT XXXX XXXX XXXX XXXX I REQUEST THAT MY BANKRUPTCY BE REMOVED

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 2018-09-09
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I logged in online at XXXX to pay my XXXX XXXX card and it wouldnt let me choose XX/XX/XXXX ... I could only choose the next day. I looked and to my dismay I had to login by XXXX. I went ahead and made my payment and sent them an email my daughter was sick anf being doctors was closed had to take her to stat care, therefore, it slipped my mind until I got her home. They replied I had a fee off last XXXX and wasnt eligible. I last year battled XXXX and forgot on a XXXX XXXX..I cant believe they dont care about a VERY GOOD customer. It was such a canned response. I believe they should remove my fee ... for Gods sakes its been a year! Its bot like i dont carry a balance, believe me they make money on my interest. I would like them to reconsider removing any fee. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter from MRS BPO , LLC stating a total amount of {$180.00} is due. The inital bill it stated was {$170.00} and there was a fee of {$4.00}, which brought the final total to {$180.00}. I was informed that this bill was previously paid and the equipment was turned back into the company. I do not believe they are associated with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced our mortgage in XXXX and paid off Amerihome Mortgage Company on/around XXXX XX/XX/2020. I still have not received the remaining balance ( {$2000.00} ) from them. I have called twice and also opened a case online. Each time, I have been told it has been processed and to wait 10 days. The last time I called ( week of XXXX XXXX XXXX ), I requested an expedited check and was denied because they said it had been processed in late XXXX and was in transit. 

I understand there is a regulation that excess funds must be returned by the lender within 20 business days and this has clearly not happened despite my repeated attempts at resolution. Interestingly, I just received my Form 1098 from them indicating that the {$2000.00} has been refunded. 

I appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Continental Finance Company, LLC
State: IL
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 #, 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 2022-01-31
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a PNC account in order to receive a promotion for a {$300.00} bonus. I signed up, fulfilled the requirements of the bonus which included a direct deposit requirement. After I had opened the account, I noticed my old XXXX account had been transferred over to PNC due to the acquisition of the bank. I was concerned about this affecting my eligibility for my bonus, so I contacted PNC and they assured me that I was eligible for the bonus, which caused me to keep the account open and continue pursuing the requirements. 

PNC now refuses to honor their promise and I have been unable to contact a representative of their team for XXXX weeks. I have in writing that I met the requirements of the bonus and I am requesting that I be paid the {$300.00} that I am owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-09
Company: Experian Information Solutions Inc.
State: WA
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 checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and XX/XX/2018 - XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.

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