BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, The Truist Bank implemented an " improvement '' to their systems on XX/XX/XXXX. This resulted in the loss of access to my account and the mobile services they offer. I can no longer access my account, view funds, or make withdrawals. I have attempted to contact my local branch AND the corporate branch office. 

The account has been active for over 15 years, so I'm unsure why their systems have not been fully patched to allow access after 2 weeks of maintenance.

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 2021-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent multiple disputes and XXXX is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

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 2023-02-21
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: GOLDMAN SACHS BANK USA
State: MN
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 balance transfer

Complaint:
On XX/XX/2023 I cancelled an Apple Card 's auto-pay payment ( XXXX 's bill {$2500.00} ) from my closed bank account.and Apple Card charge me {$46.00} interest at moment! Then I Payed the whole bill {$2800.00} from my another bank accounts! 
But on XX/XX/2023 Apple Card charge me {$2500.00} on my bill again! and the Apple service told me the bank reverse the payment amount that was canceled it increase my Apple Card balance, and asked me to pay this amount bill again!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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:
There are accounts and personal information that are showing on my credit report that are NOT mine. I've called, sent letters and still no solution to this problem.

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 2019-01-17
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against AFNI for AFNIs failure to provide requested information for the debt alleged. AFNI has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, AFNI responded to this request providing only statements for the original account, but no chain of title or documentation showing proof of ownership. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CashRepublic Holdings, Inc.
State: CA
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:
According to Omni Financials Non-disclosure agreement letter it states, " CREDIT BUREAUS : I understand that you MAY report information about my account to the Credit Bureaus and other appropriate entities as allowed by law. I understand that my good payment history as well as late payments, missed payments, or other defaults on my account may be reflected in my credit report. 

IAW 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. 

As these law states that YOU ( Omni Fiancial ) must not report any nonpublic information to 3rd party affiliates ( experian/transunion/equifax ) unless given consent from the consumer ( ME ) via in writing or electronic signature every 30 daya. I'm also choosing the option to opt out of reporting such information to any 3rd party affiliates as per 15 USC 6802.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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:
I have filed a 609 letter and made several calls to the credit bureaus about the fraud that was committed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a letter from CITI on XX/XX/2018 stating I would receive a {$150.00} refund due to credit adjustment for certain fees previously billed to my Sears Account for a debt protection program offered by Citibank NA which was a result of an agreement between Citibank NA and the Office of Comptroller of the Currency. The letter states the refund would be applied to my account handled by XXXX XXXX. I spoke with XXXX XXXX in XX/XX/2018 and they stated the refund check was returned to Citi in  XX/XX/2018 because my account has been closed for over 10 years. Everytime I call XXXX XX/XX/2018 I was told to call back in one week to receive " update on recovery '' of the refund check which I did call back XX/XX/2018 and was told to contact XXXX XXXX,. Explained I had already spoken to them and so Citi gave me another telephone number to call which I did on XX/XX/2018 and was transferred to their recovery dept and was told they show nothing to contact XXXX XXXX. Tried to explain I had previously done this but could not get any further information, I just want to know where my {$150.00} refund is or is this some type of fraudulent letter from Citi?

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative 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 100 % 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 under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2023-07-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I found out about the Navient Attorney General settlement. I had subprime private loans taken out with Sallie Mae which while attending XXXX XXXX XXXX XXXX XXXXXXXX XXXX between XXXX and XXXX. My loans had since been transferred to Navient by Sallie Mae. Per the Navient AG Settlement website my private loans qualify for discharge from Navient since I have subprime private loans due to having low credit during my school enrollment, had more than 7 consecutive months of delinquent payments prior to XXXX of XXXX, attended a for-profit school XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ran by Career Education Corporation & my mailing address on file with Navient has been in Ohio where I've resided for as long as I've been living minus the time I was attending this for-profit scam school. I've tried calling Navient between XX/XX/XXXX & today with no help from any of their customer service reps. If I ask to speak to a supervisor I get transferred back into the call que or they try to transfer me to a collection agency. When I am able to talk to a rep at Navient, they keep telling me that it isn't their decision to determine if I'm eligible, but it's up to the Ohio Attorney General who makes that determination & they should've sent me something. I reached out to the Ohio Attorney General 's office yesterday & the rep told me that isn't true & they don't have any of my information. Navient is supposed to get in contact with me about my private student loan discharge. Navient keeps giving me the run around, won't answer my questions, won't connect me to upper management, or they keep hanging up on me. I know I qualify for this private student loan discharge & should've been included in the settlement. Navient does not help me at all & I need someone to intervene. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: TX
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:
And inquiry from XXXX XXXX XXXX on Equifax credit report. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: OneMain Finance Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX is the Credit Card that OnceMain Financial offered me. I was informed I had protection that I was paying into with the loan if I lost my job. In XXXX, I did lose my job and have not yet found a new one. I had 4 other credit cards that all worked with me to go into a reduced payment without fees or added interest closed accounts or plans to continue to stay in good standing while I worked on finding a new job. Of course, I've exhausted boring money from family or friends and relief programs, and can't even cover my rent, utilities or car, which are necessary to finding work to pay off the credit card. The interest is 33 % so interest charges are ~ {$65.00} and my statement shows late fees charged the day after I made payments- Whaaatt??? 

XX/XX/XXXX - paid {$120.00} then on XX/XX/XXXX a late fee was posted of {$40.00} Trying to reach anyone over the phone at this company is a joke, and OneMain said they have nothing to do with the CC company XXXX, even though they are the ones who signed me up for the card. 

Turns out they do not offer any programs period, and maybe might remove one late fee. The issue with this is that they keep charging interest and late fees, and don't even follow the correct billing schedule. They refuse to acknowledge that no one is available in customer support, which causes further delays and late fees. They have no interest in doing anything but hounding you with automated calls throughout the day asking for money, which you responsibly called and explained your loss of income, but they refuse to work with you. You can submit a letter online, but then you just get a letter in the mail asking you to call them. Vicious circle! This results in further damage to your credit score. How are you supposed to work with a company that is unreachable and offers no customer service? XXXX and OneMain are scams of companies that whom should be avoided at all costs!! How is anyone supposed to pay this off? The card is literally in the negative now simply due to late fees and interest charges when the company could have actually tried to help and still get their money in the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX and Transunion should not be reporting that I am XXXX 120 XXXX days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX I have been seeing money come out my account but no bank details or random fees for some odd reason

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 2023-01-20
Company: EQUIFAX, 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:
I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a bank account with chase and XXXX. I was using them perfectly fine then traveled to Connecticut for a church trip and they flagged my account for fraudulent transactions. When I reported to them that I did the specific transactions they still told me they were closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Equitable Acceptance Corp
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I received a call from XXXX XXXX XXXXXXXX. They spoke with me and explicitly explained how they would be able to reduce my federal student loan payment by going through their program. Fast forward to today, XX/XX/XXXX, I had gotten a notice that my federal loans were delinquent and in fact the amount went up, not down. Turns out the company I originally signed with turned my account over to Equitable Acceptance and I was paying them for a line of credit. This was not what I was told, nor does the " contract '' tell me anything about student loans. I feel insanely stupid that I didn't think to look more into it, and contacted the company to see what they can do to fix it. They keep referring me to another person and I haven't gotten an answer to fix the situation and stop my false " contract ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation