BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: TRUIST FINANCIAL CORPORATION
State: SD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXXXXXX, BB & T and SunTrust announced that they would be merging ( see attachment XXXX ). Around XXXX of XXXX  Truist effected that merger by combining its BB & T website and Suntrust website into a single Truist website. Almost immediately, Truist customers had difficulties logging into their accounts ( see attachments 2 and 3 ). 

That's where I come in. I don't use my Truist credit card much anymore, so I was unaware that an old subscription ( some Mac-cleaning software ) charged my credit card for a yearly subscription. Because of the technological problems, I could not log in to my account and was unaware of the charge. I received no emails to any active email, and no letters. I did receive a call from BB & T, but the line immediately went dead after answering it. I called Truist to investigate, but was placed on hold for hours and was repeatedly hung up on. See attachment 4 for proof of the one ( of many ) times I called, only to be out on hold for hours. I was diligent in trying to resolve the issue, but Truist 's malfunctioning software and poor customer service made checking my statements impossible. 

Fast forward to XX/XX/XXXX. I receive notice from a credit reporting agency that my credit score has dropped roughly 70 points due to a payment that is 30 days overdue. I again attempted to contact Truist, again to no avail. After several hours with more tech-savvy friends, I was able to access my account ( via app -- the website still would not let me in ). I paid off the account, and contacted Truist to see if they would correct the issue with the credit reporting agency. After over 3 hours on hold, and several dropped calls, I was informed that they would not. 

The harm to my credit score has caused me injury in fact. I plan to buy a home this year, and Truist 's negligence may be the proximate cause of me being denied for a mortgage or paying a higher interest rate. I plan to pursue this matter in the courts once damages accrue, assuming that Truist does not remedy it. 

I was diligent in contacting Truist, but was unable to perform the simplest of tasks because of their oversights in the merger. My spotless history of payments, over 8+ years, is now ruined. I hope potential customers read this and know to avoid Truist until they ( 1 ) fix their software and ( 2 ) remedy the harms to credit to loyal customers like myself.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I sent a letter to credit reporting agencies Experian and XXXX. Explaining that information reporting on the credit report is inaccurate. 

XXXX XXXX XXXX Amount {$8900.00} because reporting compliance of consumer credit claims of deficiency and or derogatoriness mandates that any item removed and or modified from one repository shall also have " CARBON COPIES '' of that action forwarded to any and all other repositories from which the reporting data furnisher reports. 


1 ). e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DF 's ) and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes.

2 ). CRAs include XXXX, Experian, XXXX, and XXXX their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies e-OSCAR also provides for DFs to send " out-of-cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated University Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management, and reporting. 
3 ). ACDVs Initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF 4 ). The ACDV is returned e-OSCAR web-based, Metro 2 compliant, automated system ..... 
CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Mortgage Reporting Companies.

ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Date Furnisher The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history.

5 ). If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship

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 2019-05-04
Company: CITIBANK, N.A.
State: AK
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:
I contacted Citicards XX/XX/19 to dispute a charge on my card Basically a car importer extorted money out of me by requiring me to pay damage that was done by the company on my vehicle before giving me the title. They would not give me the title unless I paid the money that came up with. They also did not complete the work done that they charged me including fixing the paint, fixing the headiner and the dash. They also did not deliver the vehicle to my home which was on the contract. They did this because they decided not to ship it to me and they also didnt want me to inspect the vehicle unless they were paid. 
I also specifically asked for my original equipment back that was removed from the vehicle but they kept the parts which is illegal in the state this happened. 
I disputed this by providing the above info and offered to provide any evidence they need but they declined the dispute and sided with the seller. 
They sent me an attachment with the companies response but no other support nor did they ask for my evidence. I have attached their response below Please help me with this problem

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 2023-03-09
Company: OneMain Finance Corporation
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:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  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 non-monetary relief
Consumer complaint received 2019-03-21
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I received an email from a Shellpoint Mortgage CSR of Loss and Mitigation for repayment and his emails states as below : Hello XXXX, You requested me to send you an email with the details of the repayment plan. Please see below for details. Please understand Shellpoint will draft the payments and understand it shows the payment is due on the XXXX  but we do give you the entire month to make the payment if you have any questions, please feel free to reach out to me XX/XX/XXXX - {$3000.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX - {$5200.00} XX/XX/XXXX {$5200.00} Thank You, XXXX Loss Mitigation Specialist, Shellpoint Mortgage Servicing and then on XX/XX/XXXX, I reached out to Shellpoint and a XXXX finally called me, because I kept getting the run around. I asked why did they not debit my account. XXXX told me that XXXX was no longer in that department and failed to tell me I had to make those payments, Shellpoint did not set up anything. So, I sent the email to escalations and XXXX as seen below : Hi XXXX Below is the email showing that Shellpoint would be drafting the amounts from my account and it seems that only one payment was drafted. I need to get this paid, and I would like to get this up to date. When I spoke to you, you stated that there was no way that Shellpoint could set up an automatic draft from my account. I am showing you what I was advised by your previous CSR, and  I am not point fingers at anyone, but I would not like to lose my property, as I have my children there, and been there for close to 12 years. I would like to get this reinstated, and as soon as possible. I have scheduled payments through my bill pay to bring this down by the end of XXXX. I scheduled $ XXXX to be paid. Then by have it caught up by XX/XX/XXXX. 
Thank you. 
XXXX I heard nothing from anyone until late XXXX when I received a foreclosure letter, and I contacted XXXX. She did not return my call until the beginning of XX/XX/XXXX. I decided to contact XXXX, so they can help me get help on my mortgage. I provided all documents to Shellpoint online and even XXXX. Shellpoint even called me and requested additional documents and we are not XX/XX/XXXX and I have not received a call from Shellpoint at ALL. I look on their online portal to see what I uploaded and it says, nothing is completed. I have attachments showing where it is there and uploaded too. 
XXXX called them to expedite this information, and they were hung up on several times. I just found out that Shellpoint refuses to help people in saving their homes. They literally ignore you and continue with the foreclosure to resell your home for more money. Shellpoint has a few lawsuits pending already and class action too. We need more. We can't let them continue getting away it! Save my home. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TD BANK US HOLDING COMPANY
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score.

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me.

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries from the following companies XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against American Express regarding their refusal to honor the welcome bonus offer associated with the XXXX XXXX credit card. I believe this matter warrants investigation and intervention by your esteemed organization. 

I applied for the XXXX XXXX credit card from American Express on XX/XX/, and the terms and conditions clearly stated that I would be eligible for a welcome bonus of of XXXX XXXX XXXX Points after {$4000.00} spending within the first 3 months. 

Throughout this period, I consistently checked with American Express agents who confirmed the welcome bonus details and provided updates on my spending progress. However, upon completing the requirements, I discovered that American Express had failed to credit the promised welcome bonus points to my account. Despite my attempts to resolve the issue through multiple contacts with their customer service department, the matter remains unresolved. 
( If Amex can provide the full chat history back from XXXX which I failed to fetch via its APP, it can prove more clearly how Amex continuously confirmed my offer and encouraged me to spend more meeting the offer requirement ) I believe that the actions of American Express in this regard are misleading and deceptive, which is a violation of consumer protection regulations. It is my hope that the CFPB can assist me in obtaining a fair resolution to this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and a positive resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: KEYCORP
State: OH
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 applied for a checking account with Key Bank that required an on-line application. I was unable to complete the application on-line. I called their tech support XXXX. They could not provide a solution that would work but said I could NOT get the {$200.00} sign up bonus if I went into their branch office which was a XXXX drive away. 
I waited XXXX days and tried with XXXX different browsers just in case they had fixed their problem to no avail. I do qualify for the {$200.00} sign-up bonus based on their written offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My ex-wife filed for bankruptcy in XXXX and Lakeview XXXX was the only mortgage company that locked out my access to my account and turned off my autopay feature. I was forced to make manual payments each month and they would not provide me with any of my account documents or statements. Two times during the ex-wife 's bankruptcy, payments arrived late and negatively impacted my credit report. 

In XXXX the bankruptcy was closed and they refuse to give me back access to my account or send me my loan documents or statements while they are increasing my rate unannounced to me due to an insurance increase many months from now. This most recent increase that was not communicated with me has triggered a scenario where they are marking my account as deliquescent on my credit file because my bank auto-draft payments did not meet the increase. My documents and statements are still being sent to the ex-wife 's attorney even after they have been provided proof that the bankruptcy and divorce are closed. 

Lakeview XXXX will not provide me access to my account on my loan in my name due to a formality where the ex-wife 's name is on the mortgage and they are trying to force me to restructure the loan and go to a higher interest rate in the current market. I am not required or obligated to refinance and should be provided access to the account again. I have spoken to the other mortgage companies I have loans with and their reps tell me that Lakeview XXXX is operating under some bizarre policy that their company has created and it does not comply with the mortgage industry standard in this circumstance.

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 2021-11-24
Company: Avant Holding Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Avant and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with Avant began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with Avant. However, in XXXX I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2020 for {$620.00}. 

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