BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have two accounts that were originally opened with BB & T. On both the phone app and online both accounts are labeled as checking in addition, prior to XX/XX/XXXX, no excessive withdrawal fees were ever charged on either account. It appears that since the merger of BB & T with Suntrust, the new bank Truist is now charging {$15.00} per transactions over 6 in one of the accounts that they are saying is a savings account even though it is labeled as checking. When I confronted them about this on XX/XX/XXXX they tried to say that they were required by Reg D to make these charges. This is deceptive since the restrictions on savings account withdrawals was lifted in XXXX XXXX and has never been reinstated. It wasn't until I informed them that I am recently retired from another bank that they scrambled to find another reason. They then dug out a sheet from their description of the account stating showing this {$15.00} excessive withdrawal fee on it. I advised them that there was no warning on the app, they did not refuse the withdrawals, and they did not change the account from " savings '' to checking after 3 violations. In XX/XX/XXXX there are {$75.00} in fees, XX/XX/XXXX - {$90.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX - {$45.00}. I feel that Truist is in violation of XXXX because # XXXX labeling the savings account as checking is both deceptive and abusive misleading people into using the savings as a demand deposit account. That by falsely claiming that these fees are required by Regulation D, they are again being deceptive and unfair since they are relying on the general public being unaware of current regulatory requirements and are using that to discourage further complaints from their customers and avoid culpability in their actions. In addition, even though the terms and agreements is available online, since the savings account is mislabeled as a checking account, it would make it nearly impossible for consumers to determine that the fees related to any withdrawal limits the bank is imposing would apply to their account since it is clearly labeled as a checking account. I have put in a complaint with Truist requesting a return of all fees charged for excessive withdrawals and was told someone would be back with me the same day. Nobody has attempted to contact me from Truist so I am filing a formal complaint.

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 2019-07-31
Company: Experian Information Solutions Inc.
State: TN
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:
Although I do not owe this balance, I have reached out to the company to pay the balance because it is reporting negatively on my credit reports. No one will respond. I have now been able to download my paystubs that show the account was actually overpaid by a few dollars. I have faxed this information to the company but no response so far and it has been several 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 2023-08-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
We have been trying to resolve this with trying to sell the property as they offer us a repayment plan that is not affordable to us of {$10000.00}. The investor wanted us to be reviewed for a retention option and with our income we can not afford the payment they were proposing. A BPO was completed and the value came back at {$540000.00} which the buyer was willing to amend the contract for the appraised value. We were then informed that the investor wants a full payoff which is over a {$1.00} XXXX. The property is not worth a XXXX and unfortunately the purchaser is not willing to purchase a property that is not worth the payoff.. Our realtor submitted for exception with the SPS and it was still denied. We just want this to be over and done with. They also placed an auction as we were going through the process. All the documents were submitted prior to them placing the auction.We just want to move on from this and not lose our home to foreclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 I received a email from XXXX  XXXX saying I applied for a loan in which I have not please remove this inquiry off of my credit report

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 2022-02-10
Company: AMERIS BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ameris Bank initially reported I had missed the XXXX payment which was paid in advance on XXXX. Now they are saying the XXXX payment is missing they are recommending I pay them again while they locate the lost money which they have already cashed. 

Below is the letter sent to Ameris Bank to on XX/XX/XXXX. I am going to have to make an I sent them 2 payments on this new loan one payment was sent on XX/XX/XXXX and was recorded by the tracker on XX/XX/XXXX for XXXX, the second payment for XXXX XXXX was sent on XX/XX/XXXX and was cashed on XX/XX/XXXX by Ameris this payment was sent to the XXXX location. Please help I can not afford to have his financial burden every month of making multiple payments because they lose the checks. There customer service gives a different explanation every time of which month and amount has been received. I don't want their errors to impact my payment history and it could result in a foreclosure based on their losing payments. 


I am writing because my mortgage payment for XXXX is lost. I sent a XXXX Cashiers Check : XX/XX/XXXX, XXXX : {$1700.00} The bank reports the cashiers check has been cashed. 
The check was mailed to : XXXX XXXX XXXX, XXXX, TX XXXX USPS Tracking number is mailed on : XX/XX/XXXX Delivery XXXX Please see attached a copy of my cashiers check payment stub. 
I am requesting this payment be posted asap and that my payment history not be impacted by your error. Please send me written confirmation of the investigation and the resolution of this important matter. 
I have NEVER had a late mortgage payment with prior lenders. I take paying my mortgage very serious. 
Thank you in advance for your assistance. 
Sincerely, Below is the tracking information from USPS website. 

Get the free Informed Delivery feature to receive automated notifications on your packages Learn More Remove Tracking Number : Your item was delivered at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX. 
USPS Tracking Plus Available

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: TN
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:
Although I do not owe this balance, I have reached out to the company to pay the balance because it is reporting negatively on my credit reports. No one will respond. I have now been able to download my paystubs that show the account was actually overpaid by a few dollars. I have faxed this information to the company but no response so far and it has been several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: United Student Aid (USA) Funds
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Summary : I attempted to pay off my student loan debt. I am discovering now that I was given incorrect information and I am now being charged a XXXX % collection fee which amounts to {$640.00} on top of what I thought was my final payment of {$3600.00} to close out this account. 

1. - XXXX/XXXX/2016 - I called to pay with my debit card, since I was unable to online, which would have been an immediate payment within the 60 days - and I found out that I could n't and had to pay by check. I received a 2 day payout amount of {$3600.00} via the automated line. 
2. - XXXX/XXXX/2016 - I called to confirm the overnight address ( because the original address I was given did n't match what I found online ). I was advised that I could overnight payment XX/XX/2016 to arrive XX/XX/2016 to payoff the student loan in the amount of {$3600.00}. 
3. - XXXX/XXXX/2016 - payment should have been received, but may not have been forwarded to the correct department for processing? 
4. - XXXX/XXXX/2016 - payment was indicated as received ( advised XXXX/XXXX/16 by XXXX XXXX Escalations Dept. USA Funds ) 5. - XXXX/XXXX/2016 - advised by XXXX that the amount of {$3600.00} was not the correct amount to pay despite it being the amount given by the system and XXXX subsequent representatives. It should have been {$3600.00} -- which I was never advised of, otherwise I would have happily paid that amount. 
6. - XXXX/XXXX/2016 - advised by XXXX that the information I was given in XXXX was incorrect and the payoff date was XXXX/XXXX/16 and even paying on XX/XX/XXXX would have been late and incurred the late charge. 

Concerns : 1. Why was I not allowed to pay by card on XX/XX/XXXX or XX/XX/XXXX - in which this entire issue would have been moot. 
2. Why was I given the wrong amount? I would have easily and happily paid an additional {$7.00} to be done with this situation. 
3. Why would I have overnighted payment if I had been advised that it would n't payoff and close out the account. 
4. Why is there a XXXX % fee ( original payoff amount given {$3600.00} - current late collection amount {$640.00} ) for a payment that is by their own assessment at most 48 hours late. 

Despite doing everything I could to collect the full amount and pay it on time, then jumping through the additional hoops of having to pay it by check and overnighting the payment ... I was very surprised to find that I again owed them a XXXX % fee of {$640.00} which feels outrageously high in any situation, but particularly on a debt that was by their account 48 hours late - but only due to USA Funds own processes that feel like they are built for the consumer to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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: Reporting company used your report improperly

Complaint:
XXXX5 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  # XXXX Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2021

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-05-23
Company: SLM CORPORATION
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:
Sallie Mae failed to provide an explanation and documentation regarding the dispute decision. 
According to the Federal Trade Commission, the following applies : If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. I am once again asking Sallie Mae to provide an explanation and validate the debt as the reported amount to the credit bureau is incorrect since I don't owe the two charges for {$640.00} and {$590.00}. 
Sallie Mae in their previous response to my complaint stated that the services were provided, I suggest that Sallie Mae reviews guidelines for Quality of goods and services as follows : Disputes about the quality of goods and services are not " billing errors, '' so the dispute procedure doesnt apply. However, if you have a problem with goods or services you paid for with a credit or charge card, you can take the same legal actions against the card issuer as you can take under state law against the seller. 
To take advantage of this protection, you must have made the purchase ( it must be for more than {$50.00} ) in your home state or within 100 miles of your current billing address and make a good faith effort to resolve the dispute with the seller first. 
. 
Since my canine suffered thermal injuries after the spay XXXX the services were not provided as agreed and I already tried in a good faith to resolve the issue with the merchant as stated previously, Sallie Mae is responsible for reversing the charges. 
Sallie Mae 's Advocate XXXX XXXX ID XXXX XXXX stated that I must provide a decision from the XXXX XXXX XXXX to finalize the dispute. The letter will be provided once a decision is available in writing. I do not consider the dispute to be closed and Sallie Mae should accept liability for any damages as they failed to investigate and resolve the dispute. 
Sallie Mae restricted my account unlawfully after I disputed the two charges and then demanded that I pay one of the charges in full despite the fact that I applied for a card with 0 % introductory APR on Purchases and Balance Transfer for 15 months, provide them with the three months bank statement and a copy of my ID. They also rejected my dispute before receiving the supporting documents. Now Sallie Mae also violates terms and conditions regarding the {$200.00} welcome bonus, stating that I am not entitled to it. 
Please refer to the attachments also from previous complaints against Sallie Mae

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this information was reported without my consent, collection agency, cavalry portfolio services, i dispute it with the XXXX credit reporting agencies, date assigned, 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 2022-02-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section XXXX ( XXXX  ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " CREDIT PLUS Inquiry : XXXX XXXX, XXXX '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted several times the Credit Bureaus XXXX XXXX, and Equifax asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, XXXX  {$1000.00}, Equifax {$1000.00}, XXXX  {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my XXXX  report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously XXXX has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also XXXX, refused to delete old addresses in my credit report that way I avoid Identity Theft. Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. Equifax, XXXX, XXXX  has inaccurate information and failed to verified account and XXXX XXXX  XXXX is attempting to collect a debt that is not mine. I request them to remove it from my credit report immediately. I also Filed a Identity Theft Report Thank you, Look forward for your response.

Company response to consumer: Closed with explanation