BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I closed my corporate account with the Truist Bank branch located at XXXX XXXX XXXX, XXXX, FL on XX/XX/2022. The bank balance was {$0.00} and my online privileges were lost at that point. 
On XX/XX/2022 Truist reported that a transaction was made on my closed account for {$0.00} and again on XX/XX/2022 for {$52.00}. These fraudulent transactions were authorized by Truist Bank, XXXX weeks after I had already closed my account. 
The bank then proceeded to charge a further {$100.00} in fees and bill me for it. 
I reported these transactions as fraud to the bank branch and then again to their Fraud office. They rejected the fraud claims and have now sent the bill to a debt collector. 

Clearly, some staff member sold my account information to a crook who then executed these transactions on my account. 

I would advise customers to stay away from doing business with Truist Bank, as they are untrustworthy and engage in shady practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the last 4 years I have applied for several mortgage modifications from Wells Fargo. They always found a reason to deny me. Mostly they've said that my debt to income ratio was too high and I didn't make enough money. after a few court battles, they won the right to foreclose on my home. In XXXX they sent a letter saying 'we 're here to help you ' so I called and spoke with a representative. She reviewed the history and acknowledged that there were some opportunities that were missed on their part. She asked me for income and asset documentation which I submitted. I was asking to re-instate the mortgage and make the arrears a 2nd mortgage. During the underwriting process Wells Fargo stalled the 'active foreclosure ' status. I received a phone call from a manager who told me that they can not help me because " I make too much money ''. Wells Fargo sent me a written notification that included a letter saying that i was approved for a short sale and that I should submit the acceptance form. Fearing that I am losing my house to foreclosure, i sent in the form. However also included in the package was a form to Appeal the decision. There was no denial letter so i don't have a written reason to appeal. Additionally the letter says that i can do a deed in lieu of foreclosure if I contact them. No one is answering the phones there. It's all automated and no one is accountable. I fear that I will lose my home

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 2021-05-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A DLA FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: 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 have attempted to resolve this matter with these credit reporting agencies for the past 4 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSLEY REPORTING ALLEGED DEBT WHICH IS A FCDRA SECTION 807 VIOLATION ''15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED ANDI HAVE YET TO RECEIVE A REPONSE AFTER 30 DAYS WHICHN IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX XXXX XXXX  I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis XXXX Report ( XXXX ) to XXXX regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB XXXX XXXX XXXX XXXX incorrect Address Records that LexisNexis is XXXX on my LexisNexis Accurint Report. On XX/XX/, LexisNexis responded to XXXX XXXXmplaint # XXXX with an attached letter titled XXXX XXXX ( XXXX KB ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his Accurint report can not be removed from his report. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account I have personally tried to validate and nothing was ever received. How are XXXX and TransUnion able to verify this when I can not and it is on my credit file and it is inaccurate. The social doesn't even match mine Account is listed 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 2023-09-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Air conditioner went outXXXXXXXX came out .were financing XXXX with them..Turned down..immediately called all XXXX national credit reporting agencies. Received al.Nothing wrong.found out it was XXXX XXXX XXXX.Synchrony Bank is the credit agency that cool air-conditioning uses.spent entire XXXX  calling XXXX phone numbers for synchrony Bank..Were ALL prerecorded.Needed account # which, of course, had none.Received letter from XXXX that said reason for not able to get financed..I WAS DECEASED! ! Sent copies of bills, drivers license, etc to credit bureaus ... XXXX said it WASNT them..I need your help.I have No one else to turn to ... Perfect credit score, BUT... I AM XXXX and very much alive.Fear this could cause further problems, with ss or retirement. XXXX XXXX XX/XX/23 and XXXX  is XX/XX/23

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear CFPB, I am requesting my case number XXXX, be reopened and reviewed. 

As I stated in my original complaint, I received a 1099-C from Fifth Third stating the amount of {$60000.00} of debt was XXXX XX/XX/XXXX. This amount has never been applied to my mortgage loan, yet it has been reported to the Internal Revenue Service. 

See the attached 1099-C, mortgage statement dated XX/XX/XXXX and, mortgage statement dated XX/XX/XXXX. After reviewing these documents, you will see the {$60000.00} was never applied to my account. Note, a payment of {$25000.00} from the Michigan Homeowner Assistance Fund was accepted. 

This week, I received the attached letter from XXXX XXXX, showing my mortgage has been sent to collections. Fifth Third has closed my mortgage assistance modification application stating I have not submitted the required documentation. This is not true. In fact, my HUD Certified Housing Counselor, XXXX XXXX, spoke with a fifth Third representative, XXXX, on XX/XX/XXXX. XXXX was told all requested documents were received and now the application was under review. 

Also in XX/XX/XXXX, Fifth Third representative, XXXX, told my HUD Certified House Counselor, XXXX XXXX, that she did not know why the {$60.00}, XXXX of debt cancellation was no it applied to my account. XXXX said she will have her supervisor call XXXX with information on this. To date, XXXX has never received a call. 

If the cancelled amount of {$60000.00} is applied to my account this month, my mortgage will be brought current. 

My home is all handicapped accessible set up to accommodate my XXXX XXXX XXXX children and I can not lose it. I have the income to make the monthly mortgage payments moving forward. 

Your assistance in this matter is very much needed. Thank you for your consideration. Thank you., XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: HILLTOP HOLDINGS, INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I repeatedly asked for an accurate loan estimate and I kept being sent inaccurate loan estimates. The loan estimates did not have the correct interest rate on it ( the down payment assistance program I am using does not allow for buying points ), down payment on it, the wrong title fees, and seller credits I never received. I never received an accurate loan estimate after asking repeatedly for weeks. I was still waiting for an accurate loan estimate. Then I was sent a denial letter with untrue reasons on why I was denied. They only pulled one of my credit scores to make a decision according to denial letter which is not correct either. How in the span of a week I was qualified for the loan and now a week later I'm denied? How am I in the process of closing on my loan with another lender? 

See text messages between the loan officer XXXX XXXX and I. Also, see the fraudulent loan estimates with inaccurate information. Lastly, see the fraudulent denial reasons after being pre-approved for the loan and being sent loan estimates.

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 2023-10-23
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis XXXX Report ( XXXX ) to XXXX regarding the outdated Drivers License Information that LexisNexis is reporting on my LexisNexis XXXX Report ( See attached Supporting Document # XXXX ). 

On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( XXXX Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). 

On XX/XX/2023, LexisNexis responded to XXXX Complaint # XXXX with an attached letter titled XXXX XXXX ( XXXX KB ) ( See attached Supporting Document # XXXX ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his XXXX report can not be removed from his report. 

The information that LexisNexis is reporting is outdated. Instead of updating the outdated information, LexisNexis nonsensically attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis XXXX Report is not governed by the FCRA, contrary to the definition of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Comerica
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I called to check my balance and my money was not there so I checked the last XXXX transactions and found out that I had been hacked so I called ( direct express ) the card company for my social security they found the same thing I did they told me they would send me a form to fill out and that I had 10 days from that day to send it back I received it 12 day later I explained I got it 2 days past the due date and mailed it back with a showing of post date that was 33 days ago I have tried to call them and they do is transfer me around and around and put me on hold for hours I have gotten no answers and none of my money back please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: OPTUM BANK, INC.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am trying to use my XXXX debit card to make a purchase. It denies my purchase. I have the funds to cover it. I call and ask why. They tell me its not at an approved location. No one ever told me I can use my funds only at approved locations. Then they tell me it is frozen for XXXX hours. Then I reluctantly have to wait the XXXX hours. I try to use it after the XXXX hours ant what is supposed to be an approved location and it denies again. I call again and I get the same XXXX  and XXXX  XXXX. Over and over I can not access my money and they keep telling me I need to wait another XXXX hours. Its been over XXXX hours and I still cant use my money and they keep XXXX XXXX with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Upgrade, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upgrade failed to file ( turn in ) a completed Motion to Reinstate Case on Docket and Notice of Hearing form within 30 days of the judge signing the dismissal order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, a check for {$48.00} cleared my account with PNC bank ; however, PNC bank erroneously posted the transaction for {$1200.00}, causing me to be overdrawn incure overdraft fees and depriving me of the use of my money causing me hardship. On XX/XX/XXXX, I personally went in to the bank and they realized they had erroneously posted the wrong amount and assured me the error would be corrected that same day, however, it wasn't. On XX/XX/XXXX, I called the customer service line to ask for my money, and they told me to go to the bank personally and take care of the issue I need help as this is causing me and my family hardship. 

In the meantime that I don't have my money, PNC is using it interest free and this is fraud and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis Accurint Report ( XXXX ) to XXXX regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report. 
On XX/XX/2023, LexisNexis responded to CFBP Complaint XXXX XXXXXXXX with an attached letter titled XXXX XXXX ( XXXX KB ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : In addition, LexisNexis initiated a dispute, and that investigation was resolved on XX/XX/2023. During our investigation, LexisNexis located and verified possible criminal records listed in XXXX XXXX file with LexisNexis. A resolution letter outlining the results of our reinvestigation and XXXX XXXX statutory rights was mailed directly for his review. How could LexisNexis possibly verify an alleged Possible Criminal Record when I do NOT have a criminal record? Under Illinois law, it is unlawful to engage in defamation of anothers character and reputation. To report that I have a criminal record when I do not is defamation. LexisNexis reporting of an alleged criminal record is injurious to my reputation. In Illinois, traffic offenses are NOT considered criminal offenses. The item LexisNexis is reporting does NOT list the specific court where this alleged traffic offense occurred. I do not recall this traffic offense and it is not listed on my DMV driving record. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA. Additionally, LexisNexis failed to include any tangible evidence to support their incorrect reporting of " Possible Criminal Records '' on my LexisNexis Accurint Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I received an alert that my XXXX  score changed. When I reviewed my credit report Jefferson Capital Systems ( Debt buyer ) reported status as collection account past due as of XXXX 2020. 

I did not receive any calls or written communication that would have provided me the 30 days necessary to dispute this debt. 

I believe doing this without notifying me is not just threatening but also very damaging my credit status which I've been trying to rebuild. 

Below is the debt collections info : Jefferson Capital Systems XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit 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 requested a refund in the amount of {$1300.00} for a lodging booking transaction. We paid for a two night stay, but when we arrived, the thermostat showed an error, the heating was not working, and there was no hot water. Temperatures in the area were forecasted to drop below freezing. We called the owner, they said they could not come to look at the furnace before the following morning. 

We did not feel it was safe to stay at the property, and left. 

When we requested a refund, the merchant accused us of turning off the furnace ourselves. We sent both the credit card company and the merchant a photo of the thermostat, clearly displaying an error message that the furnace wasn't working. 

The credit card company replied that our evidence- the photo of the thermostat which said that the furnace wasn't working- did not substantiate our claim that the furnace wasn't working. When asked how it failed to substantiate the claim, they said they could not say.

Company response to consumer: Closed with explanation