BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXXTruist . My loan payment was to go 30 days past due XX/XX/2022 after a sizable commission was delayed a month. After securing a personal loan from a mentor on the XXXX, I went to pay it online on the XXXX after the check cleared, and the system would not let me set the payment until the XXXX, after it's 30 days past due. So I attempt to call them after my day ended on the XXXX but their offices had closed an hour earlier. So, I went ahead and submitted the payment for the XXXX, the next day offered. Then today, Saturday the XXXX, I called, hoping they could take the payment over the phone and set it paid for that day. I was told internal collections was already handling the account so they can't take a payment over the phone (! ), I'd have to talk to them and they aren't available, which is of course Monday, the XXXX. Day XXXX (! ). So it puts someone who is already struggling a little and tried to do the right thing, making sure a deposit clears not sending a cold check online while still making a payment before it goes 30 days late into a position where they claim they legally must report it 30 days late. When they wouldn't let me pay it on the day I tried to pay it! How is that legal?! It's not like I'm trying to pay it on a weekend. I tried to pay it on a Thursday morning! And they don't have a way to pay by debit so it goes through the same day. If I go online or call to make a payment, that's the day I paid it and the day it should be reported, unless the payment fails to clear. My mortgage company counts it paid the day you pay it not the day it clears. My phone company, my utility, etc. I'm likely now set to have a 30 day late payment reported when I attempted to set the payment 3 days before the last day and then actually set the payment 2 days before because their system takes 2 days not to process a payment but to even SEND it. This needs fixed! I am just recovering from a credit standpoint from the same thing with the same company because I was told falsely that it was reported paid they day you set up the payment, not the day they process it. I understand the ways this system could be gamed, but if a consumer attempts to make a payment on a given day and a company will not allow them to do so, it should absolutely not be able to be reported to the credit bureaus.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX shut my account down, and thousands of other customers down. Their customer service has been unreachable ever since. I've sent over 20 emails, and have called their phone number over 10 times and all that I get is an automated response to email them. When " XXXX XXXX '' calls you, they immediately hang up. It's being powered by robots and there are no human customer service representatives. My TransUnion, and XXXX credit reports are now damaged, when this should not be the case at all. 

My bank even refunded me the funds they took out of my account, because even they deemed that this was completely unethical and they were not able to get in contact with the company. I've also filed a dispute with helpwithmybank.gov. 

The account still shows as " open '' when it's closed. They also have inaccurately have reported me as late.I 've been begging and pleading with them to get in contact with a human representative but that isn't possible. I'm not quite sure if this will require legal action for this issue to get resolved, but I want this company removed off of all of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: Navient Solutions, LLC.
State: OR
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:
Navient ( formerly Sallie Mae ) has been pushing my load due dates forward instead of applying overpayments to my principal balance. I have requested that overpayments always be applied to the principal over the phone, over the course of MANY MANY years. There is no online option to direct overpayments to the principal balance. I was able just now to change the default overpayment setting from " pushing due date forward '' to " bill for full monthly amount '', but only after researching this extensively on the internet! This option is hidden and you have to know exactly where to find it. In addition, there is no option to sign up for auto pay and include an overpayment. It is clear that by limiting consumer ability to dictate when and where a payment should be applied directly benefits Navient, at a high cost to me, the consumer. By forwarding due dates instead of reducing my principal balance, and by eliminating options for overpayment via autopay, Navient can ensure that I will continue to pay my student loan for as long as possible, thus, ensuring they rake in all the interest they can. This should be illegal. 

Like other predatory practices, the hiding policies and procedures for handling student loan payments exclusively benefit Navient. They know that most individuals will fail to recognize these practices as harmful. Those who are aware of Navient 's unethical practices will have to put in an enormous amount of time and effort to identify, correct, and continually monitor for compliance with consumer instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: PNC Bank N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My client, XXXX XXXX XXXX XXXX is a victim of identity theft and fraud perpetuated by his father XXXX XXXX XXXX XXXX XXXX of the fraudulent accounts is a credit card issued by PNC Bank which has charged off and resulted in a derogatory entry on my client 's credit report. Despite multiple dispute letters, to date PNC has refused to conduct a fraud investigation, refused to provide any account related documents and refused to remove the entry from my client 's credit report and, instead, is holding him responsible for a debt that is not his. A Limited POA and copies of all previous correspondence are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Contacted Truist about a change in insurance carrier. 
I was told at loan origination that after a year of on time payments I could apply to drop escrow for insurance and pay the insurance carrier directly. 
But now Truist told me that I am not allowed to pay the insurance carrier directly " because the Department of Veterans Affairs requires escrow on all loans. '' I have contacted the Department of Veterans Affairs at their XXXX XXXX national hotline and been told that this is entirely untruthful. 
However Truist also has refused to recalculate my escrow based on the new lower insurance premium. 
Truist has also refused to let me try asking a supervisor. 

I could easily address this myself directly with the insurance carrier, if only Truist would be more truthful in their lending and escrow 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 explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: WI
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-12-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I purchased a new Vehicle from XXXX XXXX. I was informed by the salesman that I was denied by them " the XXXX Dealership '' but they send customers that don't get approved by them to XXXX XXXX XXXX. They are less strict when it comes to approving clients for Auto loans. So the salesman submitted my application to XXXX XXXX XXXX and I was approved for the Auto Loan and I received my Brand New Vehicle a few weeks later after all the additional options were added. 

After making 6 on time payments I wanted to see the positive affect on my credit report and try to obtain a personal loan or credit card. Well after filling out for a monitoring service I noticed that my score actually Dropped and I was denied because of too many credit inquiries. I noticed a HUGE AMOUNT of unauthorized Credit Inquiries. After hours upon hours of investigating what these inquiries were, I figured out it was the Salesman that took my credit report info without my consent and blasted it off to Multiple different financial institutions that conducted hard pulls on my credit. We only agreed to Submit my Application to XXXX XXXX XXXX. 

This was done without my consent and this is a violation of the Fair Credit Reporting Act. 

I contacted Experian, XXXX and XXXX and I explained to them that these inquiries were unauthorized as I did not fill out any applications with these banks and that my information was submitted to them without my consent from the Auto Salesman from XXXX XXXX where I purchased my vehicle. The only Bank I filled out for was XXXX XXXX XXXX which currently holds the lien against the vehicle. 

All three credit bureaus told me to contact the banks and ask them for a letter of deletion. They cant remove the inquiry. I explained to them that this is a violation of the Fair Credit Reporting Act because it was done without my consent and if they can " POST '' this info they can also " REMOVE '' it. 

I continued to get the run around and was told I need to contact all the banks that pulled my credit. 

Some banks had phone numbers. Some Did not. I contacted the Banks that I could and the best results i received was to contact the credit bureaus because they don't give out letters of deletion! 

I attached a screen shot of my report that shows the Unauthorized Inquiries that I told the Credit Bureaus about. I have circled the ALL the Inquiries that are unauthorized

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 2023-10-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an email that I had a hard pull from 'JPMCB CARD SERVICES ' to my credit score on XXXX XXXX XXXX XXXX XXXX XXXX I started to received emails to an email that is not associated with my established credit card with Chase. That I had been " approved '' for a chase freedom flex credit card to expect my card in the mail " 5 to 7 business days ''. I immediately called Chase 's fraud department. The representative stated that it was only an application that had yet to be approved. I corrected her based off of the email I was sent. She verified the legitimacy of the receiving email address but denied the " approval ''. I requested all further application requests documentation to prevent this happening again. Representative stated she would put in a written request in my notes. The representative stated that she hauled the application and suggested I call Chase 's checking and savings fraud department as well. She stated there were two different frauds progressing. I called XXXX to put an alert on my credit score then called Chase checking/savings fraud department . After three different representatives stated I did not have an inquire related to my social and the others stating they would transfer me to someone who could help but did not. I finally reached a representative who stated the application for a Chase total checking account had already been denied. There was now another notification, I had a hard pull from 'JPMCB CARD SERVICES ' on my credit score as of XX/XX/2023. Representative stated to find further accounts my social security number would have to be in, " the account holders '', my legal name even though emails stated another name which was provided. She then stated she would send an identify theft package in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I already filed a complaint about multiple credit card and debt collection companies. One of the companies was Capital One ( card ending in XXXX ). Capital One had a debt collection company send me a letter today, XX/XX/2018. It's a different debt collection company than before : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Good afternoon. My car was repossessed on XX/XX/XXXX at XXXX a.m. in the morning according to the Sheriff 's Department in XXXX County. I am unable to confirm whether or not Capital One Auto Finance has repossessed car due to the fact that of all three occasions I have called them I get a pre-recorded message saying that no one 's in the office and to call back during business hours Central Standard Time. Please note and all three occasions were different times of day morning afternoon and evening during the business week. The other problem I have with the repossession no letter was sent out saying that I was in danger of my car being repossessed or action was being taken the only thing I've ever gotten from Capital One was a letter for my credit card because that is also delinquent. Now my phone number has changed and I tried to update my profile on their website on different occasions and for some reason Capital One has froze me out of my profile. Seeing is that I haven't been able to get hold of anybody at Capital One which is unusual according to my neighbor who also has a loan through them as well and they were able to get through right away. I have check the number and is the right phone number to call. The only other thing I could do or think of doing was to email them the right contact information. I am at a loss as to what to do next because I truly do want to sort this out and get my car back what Capital One is being difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I XXXX XXXX, have recently been denied credit. I'm looking on my credit report and see some inaccurate information regarding late payments and an open credit card that are closed. with inflated balances. I wish for these tradelines to be investigated and removed from file if found inaccurate or incomplete. 


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 Also there's a consumer statement that I would like removed. 

Inquiries I do not have an open account nor have I've done business with these individuals, person or corporations. 

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 2022-03-03
Company: Experian Information Solutions Inc.
State: NC
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).  Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are  required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 &  617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS 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 2019-01-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone applied for a vehicle in my name and now it is reflecting on my credit report and this is not my account

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 2024-01-07
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hard inquiries on report without approval

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
Need these accounts looked at cfpb

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