BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I entered into a Deferment Agreement with Truist Mortgage. The agreement was to have all missed payments and fees moved to the end of the loan. I would have to make a payment of {$1200.00} and sign paperwork and send it by email. I signed the paperwork, emailed them to XXXX XXXX, a client service representative. I also spoke with XXXX and made the payment {$1200.00} and received a confirmation number of XXXX. It took more than 14 days for the deferment to process. When I received the first statement after the agreement XX/XX/2022 ( for XXXX payment ) the deferment did not appear. I called and spoke with XXXX and she insured me that once it mailed the deferment would show. When I received the Monthly statement for XX/XX/2022, it didn't. Then when I received the XX/XX/2022 statement it showed the deferment but there was a fee of {$2500.00}. Under item XXXX on the deferment it stated that " any late fees will be waived by the Servicer ''. When I contacted Truist with several calls and emails regarding the fees being deferred they said they were fees from BB & T Mortgage before the merger. The fee amount changed during the deferment and portions forgiven. Why wasn't the remainder forgiven or deferred?

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 2022-06-03
Company: Affirm Holdings, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I took out a loan via Affirm with XXXX XXXX Bank in XXXX, NJ, to pay for test preparation materials from XXXX. 

The loan amount financed was {$1500.00}, for a term of XXXX months with a monthly payment of {$140.00}. 
My interest rate was 29.99 % APR. 

My first payment was due XX/XX/XXXX. I paid in a timely fashion and paid the loan off early XX/XX/XXXX. 

I have called XXXX XXXX Bank in XXXX, NJ, to request they report the payments to my credit report. However, the two representatives I spoke with said that they did not know anything about this and could not help me at all. They suggested I call Affirm. I have been unable to reach any representative at Affirm regarding this matter. 

I would appreciate a resolution to this matter and for all my timely payments to be reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, there was an unauthorized transaction on my bank account and someone used my XXXX account linked to my bank and made a transaction of {$1400.00} from my account. 
On XXXX XXXX, I called the bank and raised a request with the bank to block my card and alerted them about the unauthorized transaction, and they refunded the amount saying they will investigate the claim. 
On XX/XX/XXXX, the bank said they can not verify the transaction irrespective of raising alerts and blocking the card and asked me to fight with the merchant instead which is absurd because XXXX is a 3rd party website.

**Still waiting a response from the bank** I have the fraud 's XXXX user id to whom the money was sent and also raised a complaint with XXXX but they said I need to talk to the bank to resolve the issue! So basically do not use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
At this time TransUnion has denied me the ability to TIMELY dispute an erroneous inquiry reported to them by XXXX, and they have posted the erroneous report so as to cause damage to my public record. Every effort to submit a dispute through TransUnion 's website was to no avail, they have it RIGGED! Also, take note that TransUnion never sends a Code to my email. And even worse, their webpage blatantly denies one the opportunity to 'start a dispute '!!! See the attachments.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury 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 reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. Please remove.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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 2022-07-18
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX a friend of mine sent me XXXX dollars in bitcoin for my rent and for my daughter 's medication the money has now been taken by cash app and they are refusing to release the funds or even send them back to my friend so he can send them using a more reliable and professional banking provider they originally claimed my money would be available in 24 hours that was a week ago now they are refusing to do anything they are holding my bitcoin to profit off the climb in bitcoins value that is rising rapidly and expected to continue to climb then if they even ever do release my bitcoin it will be at the value it was originally sent at earning them hundreds or even thousands depending on the market its a scam that is threatening my children 's well being and even lives because of their greed and awful ethics

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my credit report, and I noticed some accounts and inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Westlake Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing you out of desperation. Almost the same desperation that put me in the position to cause my current issue. A little over 3 months ago.I got a title loan from a company called XXXX XXXX. A check cashing place that advertises to do other financial services. But the actual loan they were advertising in their business was with another company called Wilshire Consumer Credit/Westlake FinanciaXXXX , they are a financial institution out of California. I got the title loan through loan center which then directs you to these companies. They had me fill out a form from the XXXX to add them as a lein holder on the florida title for my XXXX, not knowing who you actually doing business with. I got a loan of {$10000.00} in XX/XX/XXXX. The intrest was stated to be at yearly 64.4 % Yes 64.4 %. I had an issue as we all did during XXXX and XXXX with work being slow. I thought id be able to pay in a few months but that didn't happen. I have paid them nothing and because something isnt right about this company. I was advised that there is nothing that can be done since the bank that actually wrote the loan, XXXX XXXX XXXX XXXX Utah is well in Utah! So my major questions! Why is a business who IS in Florida, advertising for a company based out of California, and using a bank in Utah, allowed to sell this financial instrument without oversight and charging well over the allowed amount in this state, using Florida 's own title documents, and not be subject to Florida laws! All paperwork was signed in the office at XXXX XXXX in XXXX XXXX, Florida. Now when i ask for the current payoff as of today, my balance says I owe {$13000.00} but Wilshire credit says the payoff is adjustable with these special payoff letters. I am not a genius but something is screwy with this situation! Can someone please HELP! Thanks in advance. I have contacted them by email and calls and refuse to contact me back about this, they have 3rd parties call on Wilshires behalf to collect a debt. The original creditors do not call, which is XXXX XXXXXXXX XXXX XXXX XXXX. They have numerous 3rd parties call on deceiving number which none of them i did business with. They are breaking so many laws I cant even keep count. Id like someone look into this and please inform all so they never do business with any one of these companies or better yet, put these companies out of business and shut them down.

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 2019-04-08
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
SOMEONE ORDERED A NEW TD BANK CREDIT CARD AND TRIED TO SEND It TO ANY OTHER ADDRESS THAT WAS NOT MINE. ONCE THE CARD WAS CANCELLED I WASNT ABLE TO SEE It ON MY ONLINE PROFILE ANYMORE TO MAKE SIMPLE TRANSFER PAYMENTS AND I WSNT NOTIFIED. I HAVE HAD THE CARD OPEN SINCE XX/XX/2016 AND NEVER MISSED A PAYMENT. I HAD TO GO INTO THE TD BANK BRANCH TO VERIFY MY ID AND THEY ORDERED ANOTHER REPLACEMENT CARD AND CHANGED/VERIFIED MY INFORMATION. I DIDNT HAVE A CARD AND WASNT ABLE TO USE FOR 2 MONTHS. I PULLED MY CREDIT TODAY AND ITS SHOWING UP AS A LATE PAYMENT BUT I HAD ALREADY MADE A PAYMENT AT THE BRANCH OFFICE AND THEY TOLD ME It WOULDNT SHOW UP AS LATE BECAUSE THEY DIDNT HAVE THE RIGHT ADDRESS ON FILE TO SEND THE BILLING AND THE OTHER CARD WAS ISSUED OUT OF FRAUD. ALSO BECAUSE OF ALL THE WRONG INFORMATION AND CONFUSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  sent this company a letter to delete and update in XXXX to delete this account from my credit file on XX/XX/2021. I confirmed twice with the company, yet it is still being reported on my credit file. The companys update every beginning of the month. Its been almost XXXX weeks since professional debt mediation asked this to be deleted and you are stop reporting on my credit. At this point its defamation. Shouldve been deleted on XX/XX/XXXX when reported to be deleted

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX Account 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

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 2022-09-13
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: PA
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, has violated 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 that a consumer reporting agency can no furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Yesterday I contacted your company to ascertain the nature of your complaint. I was made aware when reviewing a XXXX notification that this same century link debt had been handled by another collection agency which subsequently withdrew their claim. Your representative said century link claimed I owed {$210.00} from a XXXX closed account. I disputed the claim and stated I wasnt even aware of century links claim until I saw the XXXX notification. I pointed out trying to locate a XXXX year old statement and then tracking down payment information for such an old debt was reason to just pay the claim but I wouldnt pay for a bad faith claim. I said I would give more thought to the situation but I wasnt inclined to make the payment without proof the debt is owed. 
Today ( XX/XX/XXXX ) my stepmother informed me had been contacted by trans world on multiple occasions ( including yesterday XX/XX/XXXX ). My stepmother is grieving the loss of my father who recently passed away. Having a debt collector harass my family over a disputed debt during a period of deep emotional strain is simply cruel and abusive tactics. I believe trans worlds conduct violates the rules established by Congress to protect consumers. I am asking this agency investigate my complaint and take the appropriate action to compel trans world to stop using such abusive and unconscionable tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have Citi credit cards with Citibank since XXXX. And XXXX of them was the Citi XXXX XXXX XXXX access more card. I had that card since XXXX and closed it in XX/XX/XXXX since my usage of that card has reduced and there is annual fee associated with the card. 
When I call to close the card, I triple checked specifically if there is any risk for me to lose my points after the card is being closed, and was told no risk since I have couple other citi bank cards that can hold the Citi Thankyou point so I went ahead to close the card instead of downgrade. 
XXXX months later, I lost approximately XXXX Thank you points, which worth approximately {$2800.00}. 
So I contacted Citibank and filed a case with them on XX/XX/XXXX. Followed up on XX/XX/XXXX, XX/XX/XXXX and XXXX times on XX/XX/XXXX. And I get a different XXXX whenever I call and the citi representative was unable to provide anything besides there is no update they have.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, has violated 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 that a consumer reporting agency can no furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax Hard Inquiry Attempts with FTC Report and still not removed as of XXXX XXXX requests for 2 hard inquiry removals and Equifax had all documents and FTC reports that needed to delete. The confirmation # s given to me by representatives were assuring me the inquiries were removed. 100 % not true!! XXXX XXXX XXXX confirmation # XXXX XXXX - XXXX from fraud lightly hung up on me while requesting the inquiry removals XXXX XXXX confirmation # XXXX XXXX XXXX XXXX XXXX - XXXX confirmation # XXXX XXXX XXXX XXXX - XXXX confirmation # XXXX XXXX - XXXX confirmation # XXXX then hung up on me when I asked again about blocking accounts due to identity theft as hasnt been done yet and has been a year. 

XXXX XXXX XXXX - XXXX hung up on me when I asked again about blocking accounts due to identity theft which hasnt been done yet and has been a year. 

XXXX The XXXX hard inquiries to be removed are 1 ) XXXX on XXXX and 2 ) XXXX XXXX on XXXX. Again, the FTC report is attached as I am a victim of Identity Theft. 

There is no excuse for this Equifax needs to be held accountable and theyre not. It came to my attention that I had a mixed file with Equifax up until XX/XX/2022 so the fraud alert I placed on all three credit bureaus didnt appear on the updated combined report for Equifax XXXX XX/XX/2022. These inquiries occurred after I placed fraud alerts with all three credit bureaus on XX/XX/2022. Remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Maximus Education, LLC dba Aidvantage
State: IN
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 called AidVantage to see about why my load was still getting paid for. I had set up automatic payments and they never stoped during the pandemic. When I called them the lady on the phone said that she had not heard of XXXX XXXX which was the reference line of the payment. She advised me make a complaint and to call my bank.

Company response to consumer: Closed with explanation