BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX my wife and I applied for a home renovation loan. We were not approved for the full amount, however we received a counter-offer that was good until XX/XX/XXXX. About a week prior to the expiration of this counter offer, I reached out Lightstream to arrange the funding of the loan. The representative informed me that the company has recently changed their policy and the home renovation loans are good for 90 days. I asked the rep multiple times, if she was sure of this policy change, she confirmed " YES '' and advised me that i could callback anytime in the 90 day window to accept and fund this loan. 

Well after calling today XXXX XX/XX/XXXX XXXX, I am being told that the loan was not " accepted '' by me, and that i would have to reapply. After multiple escalations, I reached someone that was able to pull the RECORDED call and confirm that I was in fact misinformed. Although Lightstream has accepted fault for this misinformation, they refuse to honor my original approval. I made a {$6500.00} deposit to XXXX XXXX that is now in jeopardy because of your negligence. The supplies were delivered and the construction of my pool was supposed to take place this week. At this point we are without funding and may lose our money.

It is not fair practice to misinform consumers, accept responsibility for the mistake and then not rectify the issue. I was told to reapply and that the pricing may change and I may or may not get approved ....

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 2022-12-28
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-10
Company: Experian Information Solutions Inc.
State: AR
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:
XX/XX/2023 EXPERIAN, XXXX, AND XXXX STATING ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. 

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 explanation
Consumer complaint received 2022-04-20
Company: Navient Solutions, LLC.
State: CA
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:
I am seeking loan forgiveness. Im over XXXX XXXX XXXX and have been paying on this student loan since XXXX. I am immune compromised and have had to go out on forbearance during times when my XXXX is active leaving me unable to work. In XXXX and XXXX I wasnt able to work during Covid shutdowns and I placed my loan on Covid forbearance. 

During forbearance in XXXX I was charged over {$900.00} in interest and am not getting any closer to paying off my loan. My body is breaking down. I need to have a XXXX and have this old debt still hanging over my head. Im old enough to start taking social security now but cant do it because of the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a 30-day late payment on my payment historical record for the month of XXXX on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I submitted a dispute previously for the same issue, the credit bureaus only fixed part of the issue but did not correct the entire issue. The only updated the account status and removed only one late payment in the history for the month of XXXX, but not for XXXX. The 30-Day late payment should not be there and was put on the credit report as an error on XXXX XXXX XXXX XXXX XXXX end. I have a letter from XXXX XXXX XXXX XXXX ( Mortgage ) stating that it was their error and they was going to remove the 30-day late payment for the month of XXXX and for XXXX, but XXXX is still reporting as 30-Days late in the historical record, which needs to be updated and the XXXX late payment needs to be removed immediately. I have disputed this account with XXXX, Equifax, and XXXX and they have not removed/updated this account to reflect a " never late ' payment status for the month of XXXX or a " Never Late '' on my credit report and XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account for the month of XXXX immediately and if it is not removed, I will be filing a lawsuit against XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for XXXX from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status for the month of XXXX. Therefore, I have attached it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: VA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX 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 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 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

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 2022-10-24
Company: Experian Information Solutions Inc.
State: IL
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:
This is regarding an existing issue with XXXX Experian and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements..

I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 
According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 2022-10-16
Company: LAKE MICHIGAN CREDIT UNION
State: FL
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 # 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 late for any purpose.

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 2022-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
FRAUDULENT ACCOUNTS 1. Capital One account number XXXX XXXX - XXXX XXXX 2. Capital One Account Number XXXX 3. DEPT OF EDXXXXAccount number XXXX, XXXX ( XXXX ) 4. DEPT OF EDXXXX Account number XXXX, Loan ( XXXX ) I TALKED WITH THE DEPT OF EDXXXX  ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO EDXXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. 
THE DEPARTMENT OF EDXXXX SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING CAPITAL ONE, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH CAPITAL ONE TODAY, XXXX AND CAPITAL ONE IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Genesis FS Card Services, Inc.
State: CT
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:
This will be the XXXX complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately XXXX mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and bar admissions. Current issues : XXXX is reporting correctly, XXXX is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. Indigo payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full XXXX. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.

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 2023-10-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
For the billing period from XX/XX/XXXX to XX/XX/XXXX, the payment amount of {$5400.00} was due on XX/XX/XXXX, which happened to fall on a Sunday. I promptly made the payment to clear the statement balance. However, due to the Sunday timing, the payment didn't post to my account until Monday, XX/XX/XXXX. 

To my surprise, on XX/XX/XXXX, I noticed a charge for interest amounting to {$120.00}, and then another interest charge of {$91.00} on XX/XX/XXXX. 

In my attempt to resolve this issue, I reached out to the customer service team numerous times. Unfortunately, the customer service was provided by off-shore representatives. Despite speaking to XXXX different supervisors, I received varying explanations, neither of which I could fully comprehend.

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 2023-05-11
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 called the 3 Credit Bureaus after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are UNKNOWN to me. This is disappointing because I have been disputing fraud items on my credit report all this time. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which are opened without my knowledge, consent or authority. I am expecting that these items be removed immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$5400.00} ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank operates in the most unethical and illegal manner to boost their profits and injure their clients. My mortgage payment was adjusted ( up to cover escrow payments ) and they failed to inform me. They have my phone number and email address -- they never left a voice message, no text, and no email. When I sent my monthly mortgage payment, they deducted funds from my escrow to cover the changed amount -- I was not informed they took this money from my escrow that pays property taxes and insurances, not the bank itself. Still unaware of what's going on, I sent my next monthly payment. This time they did not apply my payment, I am unaware for several weeks. It came to my attention when I received an email from a credit reporting agency that the PNC Bank account was late. When I called the bank, they told me they returned my 2nd payment -- however, several weeks had passed and I never receive a check. When I became aware of this problem, I immediately called the bank and resolved the matter on the phone ( paying a trivial $ XXXX ) to bring the account current. Yet, PNC bank charged late fees and withdrew funds from my escrow to enrich themselves and damaged my credit with late payment reporting. All this happens because they ( intentionally ) failed to notify me. This practice is a business process to enrich their bottom line -- they have several methods to communicate with their customers instantly and intentionally disregard them to enrich themselves. This has happened to me before, PNC Bank is ripping-off their customers across the board using non-communication as a business practice to trigger fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief