BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Suntrust merged with BBT and is becoming Truist. I have been a Suntrust customer since XXXX. I had signed for the signature advantage account that required me to maintain a min balance of {$25000.00} across all my accounts without paying any fees. In XX/XX/XXXX I was forced to migrate from my suntrust app to a new Truist mobile app. A few weeks later I noticed that I could no longer see my statements. I then clicked around found a link that informed me that my account was going to be migrated to a new offering effective XX/XX/XXXX that would require me to maintain a minimum of {$50000.00} fees. I had signed an agreement with Suntrust that my account minimum balance requirements would never be changed. Instead of grandfathering my agreement I have been told by Truist employees that they have had a lot of complaints along the same vein but tough luck. Corporate has told them the rules are changed and deal with it. Banking options continue to be reduced and mergers such as these instead of offering better options for consumers seems to be designed to harass and gauge clients for more fees for less service. The Truist corporation is a disastrous next step towards additional banking oligopolies that are antithetical to a healthy financial marketplace for consumers. I truly expect that CPFB can do nothing to alleviate this. As a financially aware consumer I will eventually find options for myself but I shudder to think how many unsuspecting consumers young and old will be price gauged by Truist ( what a diabolical twist on the word altruist, ugh ). What a shameful outcome.

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 2023-10-12
Company: LEXISNEXIS
State: AL
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:
LEXISNEXIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are not my inquiries these are not recognized or acclaimed by me. I request they be removed and deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: LA
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:
Prior complaint # XXXX In an attempt to rectify this deceptive at by the car dealership and lender whose falsified payments being made on a loan for a XXXX XXXX XXXX XXXX which never happened due to uncovering the vehicle had been wrecked and resold multiple times prior to our agreement and was not disclosed to us. The car immediately went into a lawsuit against XXXX XXXX and XXXX XXXX XXXX. Please see the attached document and responsibility of the vehicle being retracted back to the dealership. Being that my credit report is miscategorized on purpose, it is definitely an intentional act placed by the lender. I want this vehicle immediately removed off of my credit report and my additional signer credit report. We have endured enough with this bad deal. If not, I will seek immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to the emergency room in XXXX for some XXXX XXXX XXXX, and I provided my medicaid information to the hospital. Apparently the hospital did not provide that information to the doctor, and now I've received a bill for {$1400.00}. I do not owe it. It would have been covered by medicaid if they'd just communicated with the hospital. That being said, it's now past timely filing, and I am unable to have them billed for it. Legally, they need to wipe out the debt and delete it from my credit report. It is a violation of my XXXX rights to have a medical debt on my credit report as well, and if I can not get this resolved amicably, then I will have no choice but to contact my attorney to get this resolved and seek damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: JPMORGAN CHASE & CO.
State: CA
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 opened a Chase XXXX XXXX XXXX business card on XX/XX/2021, using a referral link provided by a colleague. The referral link text promised a welcome bonus of XXXX points after spending {$5000.00} within 3 months. 

I spent {$3000.00} on the card in XXXX, and another $ XXXX in XXXX. I expected to receive the welcome bonus of XXXX points after my XXXX statement closes around XX/XX/XXXX. 

Instead, I received XXXX points after my XXXX statement closed around XX/XX/XXXX. 

The points were to be used towards a XXXX XXXX XXXX ( where you must accrue XXXX points in a calendar year ). So, not only was I awarded XXXX points less than the offer promised, the points were awarded earlier than expected ( in 2021 ), meaning XXXX wont be able to use them towards the XXXX XXXX. 

I contacted Chase multiple times in XXXX, providing the URL and screenshots of the referral offer, but they said the offer terms were in fact XXXX after {$3000.00} in spending, not XXXX after {$5000.00} in spending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2022-07-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
As a victim of identity theft I have found the least help from Experian in assisting me with correcting the errors on my report including the errors they have made, and for the fourth time they have responded by saying the account has been updated yet as shown on the credit report they sent still shows the account unchanged and failed to address the identity theft issue by only responding to the partial of the dispute complaint. 

**** The Dates of your payment history still shows the same error and fraudulent errors as you can see on the recent report you have sent as been updated as the past three times but ITS NOT.

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 2023-01-28
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Car was leased in XXXX from XXXX XXXX. Car was repossessed in year XXXX and Gap insurance paid the difference to Santander due to the XXXX XXXX ongoing trial at the time. I was told the negative repossession report would be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: TN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
We have a Pay Pal Account we use for credit card transactions for our business ... on XXXX XXXX our customer made a purchase for a rebuilt transmission totaling XXXX. In XXXX he lied to his credit card company stating he did not make this purchase ... I sent documentation to Pay Pal who assured me they were working for OUR BUSINESS and to rest assure we would not have to pay this money back ... I have NOW found out after numerous phone calls to Pay Pal and asking to speak to a supervisor and being told they would call me back ... it has been turned over to collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid 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:
For XX/XX/2022, we had a hotel booked in FL for the family using the credit card with the bank. 

When we landed up at the hotel at around XXXXXXXX XXXX the room that was given to us was full of bed bugs and roaches and spider webs. We immediately complained to the front desk and informed them of the situation and they said pest control will fix it the next morning and the hole family was too tired as we were visiting FL from CA after a very long journey and we had small kids too. 

Next day morning, we went for vacationing leaving the stuff behind in the room and when we came back, the pest control was still not done and we requested for a new room which was given to us but again, the same issue was there at which point the next morning we decided to immediately check-out and leave for another hotel. We did filed a complaint against the hotel and the state health inspector confirmed our findings the next day. we sent lot of emails to the hotel manager but no response was given. 

Finally, we contacted Chase Bank to raise a dispute on XX/XX/2022. Chase bank had an option to open the dispute which was " I am dis-satisifed with the services given to me '' and I selected that option and was told to contact customer care which I did on the same day and I had an argument with the customer rep as she was adamant that I used the service and hence no disputes and no credit. 

i kept on telling her how will I prove my dis-satisfaction if i will not use the services but she kept on saying that I used the service and hence no disputes. The bank 's option to open a dispute using the option " I am dis-satisifed with the services '' is mis-leading as customer care rep do not allow us to raise a dispute using this option at all and keep on insisting that since we used the services, bank will not help. 

After a lot of argument, the bank opened u pa dispute against the hotel and asked me to submit the pics which I sent and explained them thrice over the call what happened and how my family suffered but to no effect. The bank still considered it as a billing error and closed the complaint in merchant 's favor citing no billing issues. 


Question : - a ) How should I explain the bank that I never said it was a billing error and I always kept on saying that the services that were given to me were not upto the mark and not expected. 
b ) How am I expected to know before hand that the hotel was ok to stay without actually visiting and staying there and later on, when I suffered, neither the hotel, nor the bank helped. 
c ) Why the bank is displaying the option of dispute as " I am not satisfied with the services '' when they dont even take into account the word " satisfaction '' and just considers whether the services were offered or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: HUNTINGTON NATIONAL BANK, THE
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: Account information incorrect

Complaint:
Huntington Bank erroneously reported to the credit reporting agencies that a credit card account in my name was delinquent. The alleged delinquency occurred in XXXX of 2017. A review of all account statements and correspondence from Huntington reveals that the account was never delinquent, that it was closed on XX/XX/2017 and that the balance remaining on the account was {$0.00}. Copies of all relevant documents establishing for foregoing facts, including a Timeline of Events, is attached for your reference. 

I notified Huntington of the error by telephone and they insisted that the account was delinquent. I requested that Huntington provide me with documentation substantiating their claim and they have refused to provide it. In addition, I provided Huntington, via certified mail, copies of all relevant statements and correspondence. They did not respond to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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 Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX ..., has violated my rights. 15USC 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 an account without my written instructions.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2021 reporting as a 30 day late payment. 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 explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Metro 2 XXXX XXXX XXXX XXXX XXXXreported an inaccurate amount as the original amount owed on the collection account and attempting to collect a larger amount owed.

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 2021-06-21
Company: Lloyd & McDaniel, PLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from XXXX XXXX or from the court system. 
My employer received a letter from Lloyd and McDaniel in reference to XXXX XXXX with information to garnish my wages. I did not receive any information from XXXX XXXX or from Lloyd and McDaniel about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information Lloyd and McDaniel sent my employer on XX/XX/XXXX. 
The initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible. 
I have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of two children. Both children are beginning college in the fall. If XXXX XXXXLloyd and McDaniel garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. XXXX XXXX and Lloyd & McDaniel have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Bankruptcy on credit report is pass the statue of limitation by law its been XXXX years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation

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 2019-03-30
Company: Ditech Financial LLC
State: CO
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:
Ditech is currently reporting a closed account ( closed XX/XX/2017 ) as " Pay Status : >Account 30 Days Past Due Date< '' This account has been closed and paid in full for two years and now shows the current status as 30-60 days past due. Our credit score has  dropped on all three reporting agencies 40-70 points. We have disputed several times with the agencies and Ditech just " confirms '' the information. I have written and called Ditech several times with no avail. We need help PLEASE! This is being reported on both my Husbands and my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call everyday I have asked them to stop calling 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my numerous complain regarding my credit report information that is questionable. I would like to dispute certain accounts in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX XXXX XXXX Balance {$5100.00} ; XXXX XXXX  XXXX XXXX XXXX Balance {$3100.00}

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