BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
RBFCU refuses to release the title after I paid in full the vehicle loan.

They are required to do so within 10 days of pay off. 
XXXX said what they are doing is against Texas state law. 
Their reason is because of debt owed on a different account by the co borrower which is not my debt at all. 
I have legal documents of our divorce decree that states that the title is solely mine and not the co borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For two weekends in a row ( XX/XX/22 and XX/XX/22 ), Truist Bank has had problems processing internal transfers between two of its accounts. I have several accounts with this bank. One is a money market account which always has a relatively high balance ( currently, about {$14000.00} ). Another is a checking account. I transfer money from the money market account to the checking account periodically. This is done to control spending and to prevent loss in case of fraud or the card being lost. 

There is no debit card for the money market account. It is basically a savings account. 

Last weekend, on Saturday, I was unable to transfer money between these two accounts. I had about {$12000.00} in the money market account last weekend and around {$20.00} in the checking account. Truists customer service closes at XXXX XXXX on Saturday. This left me stranded all weekend with only {$20.00} to purchase groceries and other necessities. 

Truist informed me this was a technical issue. However, since the banks normal customer service line closes at XXXX XXXX and it was after XXXX when I discovered this error, no one was available to help. I called the fraud line and reported the incident. The representative I spoke with refused to do a transfer for me, even though this error was entirely the fault of Truist. 

The very same thing has happened this weekend. It was after XXXX XXXX when I discovered that transfers again are not working. The phone representative in the fraud department refused to transfer the money for me. When I asked to speak to someone who could help me, I was returned to the voice prompt that you always get when you call a bank. Essentially, they hung up on me. 

Because Monday is a banking holiday, I may not be able to make transfers until Tuesday. I have about {$11.00} in my checking account. There is over {$14000.00} in the money market account. But Truist is not allowing me access to it. 

Two weekends of technical problems in a row is bad enough. But Truist is absolutely refusing to do anything to fix this. Their customer service hours are the same and their phone representatives will not do a transfer for me or other customers to, at least, make up for the problem. What this amounts to is Truist holding my own money from me without cause.

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 2021-07-25
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Westlake Financial froze my bank account and now I cant pay my everyday necessities or buy food or put gas and I cant pay my bills either its causing me a lot of stress and financially anguish and its made it a hardship too, not only am I going through the debt collection due to this people but I am going through child support too to make matters worse.

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 2017-04-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for assistance with my servi cer Nationstar to save my home. Nationstar made an error and mis valued my home by  an enormous amount. They valued my home at {$400000.00} and the actual value is closer to {$260000.00}. This caused me to get denied. I had hired an attorney to assist me with the paperwork and they appealed the denial for me within the timeline to appeal on   XX/XX/16    .  Nationstar ignored this appeal advising there was a mistake in their review. Per their reply  since I did not actually do the work they were su pposed to do ( Giv e them an actual appraisal ), they say there is nothing they can do and the program that I qualify for no longer exists. I think this is terrible and maybe illegal. How can a servicer ignore something that is so drastically wrong. Not only is Nationstar negligent in denying my modification request with a false grossly inaccurate valuation, but they are also doing their investor ( owner of the loan ) a great dis service.I am willing to pay my entire loan. The owner of the loan is about to take a massive loss based on their false valuation. My attorney be lieves Nationstar is d oing this to evade actually reviewing me ( with the correct information ) for assistance because they simply want to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Global Lending Services LLC
State: MD
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MD XXXX ( manager XXXX ) processed my credit report in a way that I did not consent to, authorize nor benefit from the following inquires and I am filling a FTC report and complaint with the CFPB. I informed the manager ( and sales manager ) I had a prequalified loan from XXXX XXXX and I wanted to utilize XXXX XXXX or XXXX XXXX and that I did not want my credit run multiple times or beyond the XXXX XXXX or XXXX XXXX. I was not told until after multiple inquiries that the dealership does not work directly with XXXX XXXX XXXX navigator which was fraud. the below inquires I did not consent to and I am requesting they be removed - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Global Lending Servi - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have confirmed with sales manager XXXX on XX/XX/XXXX that he was trying to help but this was not authorized and misleading and should not have been done without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From the start when my husband and I became qualified for  XXXX  mortgage relief program , Nation Star mortgage sent four applications out to be notarized after had we the first three notarized, this was getting very irritat ing and time consuming since we both had to be there. At this time in early  XXXX  they continued to report us as 120 days late when we were on time making trial payments and we told we would not be reported by numerous associates. They also reported the months of  XXXX , and  XXXX  of  XXXX  as 120 days late when they were paid on time. Then  XXXX  of  XXXX  through  XXXX   XXXX  are being report ed 90 to 120 day s past due when they were paid on time. This issue is greatly affecting my credit history and number which hinders my ability to receive a good finance rate which I deserve. Please inquiry with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a general use Credit Card with Barclaycard. I was incorrectly charged interest when my bill was paid in full, in its entirety before the due date. My current cardholder agreement states, " Paying Interest : Your due date is at least 23 days after the close of each billing cycle. ***We will not charge you interest on purchases if you pay your entire balance by the due date each month. *** We will begin charging interest on balance transfers, checks and cash advances on the transaction date. '' My due date was XXXX. I paid the bill, in full, on that date. Three days later, on XXXX, I was charged interest of {$290.00}. 

The company can't, or won't, explain why the charge is valid and are indicating that it's interest due from XXXX and XXXX of XXXX which they billed on XXXX. Obviously this doesn't make sense. 

I am seeking to have the incorrect interest charge waived in its entirety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$21000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6100.00} ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} ), XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$690.00} ). Its been over XXXX XXXX and Experian havent respond to my request as they are required to by the 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 2023-12-05
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I got a offer in the mail in the form of a post card and the offer was ; Open Key Smart Checking, Key Advantage Checking, Key Privilege Checking or Key Privilege Select Checking account using the offer link and code XXXX and make a qualifying direct deposit of at least {$500.00} within the first 60 days of account opening. And KeyBank will deposit the bonus funds into your checking account within 90 days of meeting the offer requirements, provided your account is open and in good standing.

The amount is {$400.00}. 

The bank wont call me back and when I call for the manager they said they are busy and they will call me back and they never do, when I call back they put me on hold until it disconnects automatically. I brought the over in to the bank, opened one of the qualifying accounts, had several direct deposits well over {$500.00} and its been 90 days and no funds have been added to my account for completing the requirements.

They also charged me {$6.00} putting my account in the negative by {$5.00} and I think they did it so they didnt have to pay the {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified via mail that Caine & Weiner Company , Inc was attempted to collect a alleged debt on the behalf of XXXX the date on the letter was XXXX giving me a deadline to contact them to dispute online by XXXX. I sent email on XXXX @ XXXX EST to dispute alleged debt and requested that company verify and validate debt. In that dispute notification, I advised once I recieved documentation to allow me 30 days to review and respond for accuracy. I got a response from XXXX XXXX a rep from Caine & Weiner, advising that company has notated my file and they would be requesting additional information on the balance from their client. The communication said once they recieve they will forward the information to me. I wasn't contacted again until XXXX and in that communication, all I recieved was a final statement that was attached in the email and that my account was noted for dispute. On XXXX, I recieved another email from XXXX XXXX, stating she was reaching out on the behalf of progressive and to conact or email the office back for resoultion. On that same day, Caine & Weiner sent file to credit reporting agencies reporting balance as a collections. Caine & Weiner are in violation of 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2. States, a consumer reporting agency can not furnish account information without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-07-24
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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 am disputing a charge of {$29.00} plus interest, shipping and handling and sales tax to my credit card account on XX/XX/2021. The charge is in error because the item I ordered was missing from the delivery. 

I have been in contact with the company by phone calls, writing emails since XX/XX/2021 disputing their error until now. I received a letter from the company XX/XX/2021 dated XX/XX/2021, after registering my dispute on the telephone XX/XX/2021 stating the purchase was paid in full at the time your dispute was received ; a credit for the disputed charge ( s ) will not be applied. I responded " You will see on my bill of XX/XX/2021 which was the bill the following month of the charge on XX/XX/2021 that I was charged a minimum interest charge of {$2.00} because I did not pay for the missing item. I didnt want anymore interest charge so I paid my bill but you can see on the Statement Closing date XX/XX/2021 that there was a balance of {$35.00} which was the balance on XX/XX/2021, the date of my phone call and again a request for the missing item. It was not until XX/XX/2021 when my auto payment of {$29.00} was applied. '' Why would I be denied a credit for an item that I did not because I pay my bills?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with Freedom Mortgage in XX/XX/XXXX. The closing process with Freedom Mortgage was problematic from beginning to end, as the company seemed unable to follow simple instructions. In the spring to XXXX, I received a notification from Freedom Mortgage that my escrow account was significantly underfunded in the area of {$1600.00} and my monthly payment was increasing by {$400.00}. I made repeated phone calls to the Freedom Mortgage and was told various answers each time : 1 ) my home owners insurance increased, 2 ) my real estate taxes increased or 3 ) there was a problem with my closing documents. After following up on their responses, all of Freedom Mortgages answers were incorrect. I also requested and received an Escrow Account Disclosure Statement from Freedom Mortgage which contained several errors and was difficult to  understand. I called Freedom Mortgage about the errors in the statement and was told there was nothing they could do. 

On my own accord, I initiated a review of my closing documents, there I identified an error in Freedom Mortgages Initial Escrow Account Disclosure Statement and noticed my real estate taxes were under-reported by 50 %. Meaning the initial monthly payment presented to me by the mortgage broker was grossly inaccurate and the total monthly cost of the loan was significantly higher than what Freedom Mortgage represented to me. If I had known the true monthly payment, I would have not proceeded with the refinance process. The loan was misrepresented to me. At this point, I have lost all faith in Freedom Mortgage to handle my loan as they have missed handled and misrepresented information at every stage of the loan process and are grossly incompetent. At this point, I would like to take regulatory and legal action against the company.

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 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 called synchrony XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 in regards to using covid debt relief payment option for my card. They agreed and allowed me to skip the payments during those months and not report this to the credit agencies. XXXX failed to follow through with the latter and have been reporting those late or missed payments to the credit bureaus even after calling and talking to them multiple times.

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 2022-02-15
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: Bread Financial 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:
Information never changes on none of the accounts disputed and comes back as verified when there are clearly errors on account status, late or missed payments not being updated to none and collection accounts not being verified for removal instead being reported as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, AMERICAN EXPRESS Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, XXXX XXXX Reported : XX/XX/2023, XXXXXXXX XXXX XXXX Reported XX/XX/2023, XXXXXXXX XXXX XXXX  Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with non-monetary relief