BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Truist checking account in the branch XXXX XXXX XXXX XXXX, XXXX NC XXXX with XXXX XXXX on XX/XX/2023. I tried to open the account online but I have a fraud alert on my credit report so I had to go into the branch in order to open the account. There was a {$400.00} bonus for opening the account and making 2 direct deposits of {$500.00} or more and you would get the bonus within 4 weeks of the qualifying deposits. I have made 4 deposits of {$1000.00} and I have still not received my bonus. I reached out to XXXX who reached out to the promotions team and they stated the following Since the direct deposit requirements have been met, the {$400.00} XXXX reward will be processed and credited to qualifying checking account within 4 weeks and can not be expedited. As long as the account remains open, an eligible account type, and in good standing ( i.e. balance must not fall below {$0.00} ). My balance has not fallen below XXXX and yet I have still not received my bonus money. I feel that I did everything necessary. on my end to ensure that I receive the bonus and I would like to know why I didn't receive it before closing my account. I am not going to keep it open if Truist doesn't stand by their promotions.

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 2022-01-04
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in reference to my disputes. Section 611 ( a ), it is plainly stated that a failure to dispute these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 45 days and everything mentioned should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation for the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is reported as completely incorrect. I will attach proof of payments for as far back as my bank can pull statements for the reported late payments, but the last state of activity, the last state of payment, the payment history, the account balance, everything on this credit item on my credit report looks to be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I submitted a mortgage payment through my XXXX XXXX pay for both XXXX and XXXX, 2022 respectively. I have used this method of payment in excess of one ( 1 ) year and have never had an issue until recently. BSI is alleging they received payments for both XXXX and XXXX, 2022 " after '' the deadline, which is the XXXX of each month, thereby accessing a {$51.00} late fee to the account. However, upon contacting XXXX and speaking with a Representative, their systems indicated payments for both XXXX and XXXX were issued as follows : XXXX, 2022 was issued on XX/XX/2022 and received by BSI on XX/XX/2022 ; and XXXX, 2022 was issued on XX/XX/2022 and received by BSI on XX/XX/2022. In speaking with the BSI Representative regarding these two ( 2 ) transactions, i tried to provide the transaction number and the acct number for which XXXX provided based on information taken from the back of each bank issued draft to request they recheck their transactions to see if an error occurred and/or perhaps my acct numbers were mixed up with another similar account, these suggestions proved fruitless as BSI refused to check their records and maintained their records and information was accurate. 

I find the recent late fee assessments suspect on the part of BSI as they are a " Loan Servicer '' and are the only ones profiting from any fees assessed on the accts of a consumer/borrower, and as evidenced by their failure and/or refusal to check their transaction as though they are exempt from mistakes and/or are the only organization not experiencing staffing issues. Not to mention BSI stands to gain additional interest if all borrowers utilized their preferred method of payment which is Auto Pay and/or Online Bill payments.

Finally, BSI 's refusal to check its transactions, admit any error could have occurred on its part, or their admission of staff shortage, on its face, can be seen by the consumer/borrower of BSI 's attempt to collect additional fees, especially given the fact that XXXX has presented proof to the contrary of their records. The foregoing method of attempting to collect fees from a borrower by these types of practices is unfair and fraudulent on the part of BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I have sent XXXX $ from my bank of America saving account ( account number : XXXX ) to my XXXX XXXX account ( account number : XXXX ) thru XXXX ( with registered number XXXX to registered email XXXX ), the day after in XXXX this action was complete, and posted, but I have not received this amount of money in my XXXX XXXX account. I am sure something wrong has happened to this transaction.

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 monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: IN
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:
I am a victim of identity theft please remove this fraud inquiry from 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 2022-03-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }

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 2022-03-26
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I reached out to my financial institution on XX/XX/XXXX regarding the rental occupancy scam I was recently involved in on XX/XX/XXXX in the amount of {$1000.00} that was debited from my personal checking on XX/XX/XXXX. I have a XXXX XXXX XXXX XXXX  case number XXXX, I also filed my complaint with the XXXX, XXXX XXXX XXXX  XXXX and attorney general regarding being a victim of a rental occupancy scam. My bank Capital one declined my claim on XX/XX/XXXX without asking for proper documentation showing that I was a victim of a scam. I reached back out to capital one on XX/XX/XXXX telling them I have all the proper documentation to assist with recovering my funds. Yet no action has been taken to help me recover my lost funds in this terrible situation I was involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Consumer Financial Services
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I purchased a car in XXXX which ended up getting taken by the city of XXXX because of red light tickets my then boyfriend had been getting on my car without my knowledge. That account is on my credit, as it should be. Im older now and getting my finances and credit together, so I had a friend go over my credit report where she noticed XXXX has two completely separate delinquent accounts on my credit- the original one that says closed and charged off, and another one that says I made a payment in XXXX ( which never happened ) and that Ive been delinquent on payments since. This is a completely fraudulent account. I called the company and the woman was HORRIBLE to me. She told me its too old and they couldnt do anything, then told me it may be important to me now but its not to them. I said that I didnt understand why she was being so rude to me and she hung up the phone on me. I have never in my life had someone talk to me like that, and to try to belittle me because of this was insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: United Docu Prep, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing to complain about a 3rd party Student loan provider that might be associated with the CFPB v. Monster Loans and Associated Student Loan Companies File Number XXXX 

My name is XXXX XXXX XXXX XXXX : XX/XX/XXXX ( XXXX ) XXXX In looking at my banking statements and the name of the company is listed as XXXX. which has taken {$39.00} monthly payments since about XXXX or XXXX. They have done so on the promise that I pay for 20 years without missing a single payment - the remainder will be forgiven on my student loans. This is a similar name to one of the stated companies in the original CFPB lawsuit mentioned above. The similar name ( s ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  . The initial ( 3 ) payments on my own statements that may have started XX/XX/XXXX are listed as XXXX. Soon, the provider name changed to " XXXX ''. I was forced to pay continuously through the halt of payments to student loans federally, with covid emergency relief which i was suspect of. 

I do in fact have a national service SL provider XXXX, which has just notified me my student loans qualify for Federal Forgiveness and we are in the process of finalizing this. 

The names seem so similar, and I know companies can have several XXXX, while also recording the payments in my banking system they may use alternate/shortened/subsidiary information. 

I agree that his company has unlawfully collected advance fees for debt relief services, and also may have violated the Fair Credit Reporting Act ( FCRA ) by marketing debt-relief services.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had a XXXX, XXXX and a XXXX XXXX in XX/XX/XXXX and ended up with a hospital stay. Coming from XXXX I thought I was adequately insured with Obama Care through Covered California. I was in no XXXX or XXXX state to deal with reality as I was fighting to keep my job as a XXXX and get well at the same time. I tried speaking to the hospital when I realized that the bills coming through were not for my insurance, but me. The hospital did not want to negotiate and handed it to a debt collector, who then handed it to a 2nd one. Both accepted a payment of {$10.00} a month as I hardly can afford anything on my monthly wages. Due to this my debt has now climbed to {$190000.00} and has damaged my credit report dramatically. 
Original Amount XX/XX/XXXX {$120000.00} Todays Amount XX/XX/XXXX {$190000.00} 1st Debt Collector XXXX XXXX Interest Amount XX/XX/XXXX {$10000.00} 2nd Debt Collector XXXX XXXX XXXX Amount {$190000.00} The HIPPA law has been violated. All invoice/ medical details have been shared amongst all without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XX/XX/XXXX I mailed off correspondence to Equifax. According to USPS tracking records they received my notice XX/XX/XXXX which they have ignored me and my request again. There is an address on my report that does not belong. When I XXXX  the address they're reporting it shows that it is some random apartment building in XXXX in XXXX XXXX XXXX but on my report there is no apartment number? Also, I have disputed with them in the past about these accounts being erroneous but I received no response! They have not responded to my mails that I have sent certified and are willfully disregarding my rights as a consumer and in doing so breaking the law! This is unacceptable and should not be happening. I have records from every time I have communicated with them and have provided them my actual address to contact me and they have yet to do that. I never gave them my permission to report these accounts so they need to delete them and send me a copy of my updated report, that's what it says on your CFPB.gov website! I'll provide a copy of the letter that I sent them to you and show my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: MO
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 accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Designed Receivable Solutions, 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: Investigation took more than 30 days

Complaint:
i have linked the previous response the company designed receivable solutions inc said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). XXXX and XXXX I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( designed receivable solutions inc )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Upon checking my account on XX/XX/XXXX, I discovered that an unauthorized withdrawal of {$700.00} at a Wells Fargo Machine located at XXXX XXXX XXXX XXXX in XXXX, CA. It was done by someone using the tap method according the bank records and records on the Wells Fargo app. This is the same branch I did a deposit at on the same day, records show that this unauthorized transaction also happened on the same day ( XX/XX/XXXX ). I filed a claim through Wells Fargo as soon as I found out on XX/XX/XXXX, claim number # XXXX. I followed up my disputed claim on XX/XX/XXXX and was told that they are denying my claim because upon their investigation there was no fraud and therefore could not return my money. I am a hardworking individual barely making ends meet and this {$700.00} was my month 's rent. It is unfair that they denied my claim, my withdrawal patterns speak for themselves, I have never withdrawn in amounts like that.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good : XXXX XXXX XXXX ( still reporting ) has initially been deleted, and XXXX I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. permanently remove these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief