BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After sending 2 complaints regarding BB & T/Truist account handling through the FDIC, regarding the improper financial management of my checking account along with the request of the return of overdraft fees and money 's owed due to fraudulent activity ; BB & T/Truist decided to retaliate against me again on XX/XX/2021 when finally crediting the {$0.00} and excessive fees ; by recalibrating my account debits/credits and assessing another {$36.00} overdraft hen the bank should have credited and refunded my account in time. I am asking for the retaliatory overdraft fee to be credited back to my account accordingly. Please see the attached picture documenting the financial institution 's retaliation.

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 2023-07-18
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I purchased a car through XXXX in XX/XX/2022 and when purchased they told me that they would be covering the cost of the plates and registration, that it would be in the car when it arrived. It was not, I called the finance company and made them aware of the situation and they told me that someone would be in contact, also told me to call XXXX. I was sent them in an email to print off at the library. Which doesn't seem legal. I was given a rental for the interim while waiting on the plates to come in. I was not able to work for XXXX with the rental because it was a rental which costed me money. Finally got them and the battery was no good in the vehicle now which took another week to figure out and a fight with XXXX to replace it. Still no calls from United Auto Credit. Now the body control module has went out and I have explained to United Auto Credit where the vehicle is and what the issue is and told them that I couldn't afford the repairs let alone the payments. I have been getting harrassed about paying the notes and haven't received a bit of assistance for it. This loan is my XXXX car loan in the past year and a half, and XXXX of them are in default for being XXXX XXXX  not useable. 

After speaking to XXXX XXXX I was told that they would help me get the car fixed. I told them I couldn't afford the fix it and then found out about my warranty. I got it fixed but it was still gon na cost an entire payment, and XXXX repeatedly told me that he was going to get me reimbursed for the repairs then disappeared when I sent him the paperwork for the repairs. I sent several emails containing the final charges and when I finally got an answer he decided to start shouting at me because I was frustrated and snappy after about 2 months of dealing with this. Now the car is totaled. And I let the company know that XXXX was refusing to pay for repairs because of some small print in the insurance claim. I told XXXX about this, they said they couldn't do anything. I told them I couldn't either and let them know several times that I could not afford to make payments, that I was living oXXXX XXXX XXXXXXXX XXXX  in the car that had just been totaled by a drunk driver. I asked them to stop reaching out and they continued to harass me, phone calls, emails, text messages. I repeatedly told them to not contact me again, the car had been in an accident and of course they continued to call, text and email. I was then told that they would defer a few payments to try and help me but received a call the next day saying that they needed a payment and then told me that I was lying when I told them about the previous conversation. They have called my friends, and previous partners repeatedly even when they asked them to stop. Harassed them for a good XXXX months. Now they hitting my credit with a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern I had a XXXX XXXX account opened XX/XX/XXXX. Had over a 8 year relationship with them. Account was closed by XXXX due to them not being able to get a hold of me to confirm if it was me or not. 

Since I always paid on time and never had any problems with them they agreed to remove this closed account to all the credit reporters which was closed XX/XX/XXXX. 

After speaking with them several times this has still not been done. I always asked them to put in there notes. This way no one is confused as to what was said.

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 2023-08-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can't get a copy of my full credit report with my score and the last time I checked my score on XXXX XXXX  and every time prior to that on XXXX XXXX or from having my credit ran only Equifax is XXXX points or more lower than my other XXXX credit scores. Sometimes it's over XXXX points lower with the same information across all of my credit reports. My personal information has been breeched because of their negligence multiple times and now they are sending inaccurate credit scores to lenders that one lender told me was XXXX points lower than XXXX. My XXXX score was XXXX and my score for Equifax was XXXX! Every piece of information was identical every bill every payment every amount address you name it. They were part of a class action lawsuit there are other lawsuits for similar situations by individuals and some of the information is below. 

Equifax sued over glitch sending inaccurate credit scores to lenders. Consumer credit reporting agency Equifax is being sued for a three-week glitch earlier this year that XXXX have sent incorrect credit scores for potentially millions of Americans to lending agencies and banks across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: GOLDMAN SACHS BANK USA
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Starting XXXX, 2022, my Apple Card has been used for many transactions that I have not authorized. After each transaction, I have notified Goldman Sachs XXXX Apple Card support of the issues as soon as possible, generally in less than XXXX hours of the charges occurring. However, to this date, Goldman Sachs has not addressed the issue or make it stop despite multiple attempts to resolve the issue with their customer support. Some of the transactions resulted in actual merchandise being sent to my address, and I have worked with merchants directly to return all of the merchandise delivered ( receipts of all shipments attached to the complaint and also provided to Goldman Sachs through various interactions with their support ). To add insult to the injury, Goldman Sachs occasionally mails documentation for these transactions that are clearly signed by someone else than me ( XXXX such example attached to the complaint ), yet they refuse to give credit for the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying for over three years to resolve my situation with Citimortgage. I requested a shortsale 3 years ago. I have lost 3 buyers and now Citimortgage is countering an offer on a short sale property that is XXXX more than what was required 3 months ago with another buyer. I think they are trying to deny the offer and force this home into foreclosure.

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 2023-11-08
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
After reviewing my credit report, I am not happy to see the below items still showing in there even though How many times I've sent you a disputes and how come these items still can be find in my credit report?

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 2023-11-17
Company: Torriere Holdings INC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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, My number is XXXX please remove this fraudulent account from capital on tap during my pandemic in XXXX my wallet and personal information was stolen at a mall. Ever since my information has been compromised and these debt from XXXX has been on my report and its FRAUD ITS NOT MY ACCOUNT PLEASE REMOVE IT, I HAVE ATTACHED A POLICE REPORT, A FTC REPORT, AND FILE A COMPLAINT WITH THE CONSUMER FINANCIAL PROTECTION BUREAU. 

Account Name : XXXX XXXX XXXX Account Number : XXXX .... 
Recent Balance : {$0.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Charged Off Amount : {$1600.00} XXXX regret to inform you that I have recently discovered that this account is fraudulent and a result of identity theft. To support my claim, I have attached copies of the Federal Trade Commission ( FTC ) report and the police report detailing the identity theft incident. 

Given the gravity of this situation, I request the following immediate actions from XXXX XXXX XXXX : Account Investigation : I urge you to conduct a thorough investigation into the fraudulent account with the account number XXXX .... Please verify the authenticity of the provided reports and take necessary steps to rectify the situation promptly. 
Freeze the Account : As a victim of identity theft, I request that you freeze any activity on the account immediately to prevent further unauthorized transactions.

Assistance in Resolving the Issue : I seek your cooperation in resolving this matter expediently. Please provide guidance on the steps I need to take to secure my financial information and rectify any damage caused by this fraudulent account. 
Communication and Documentation : Keep me informed of the progress of your investigation and provide documentation of any actions taken to address this issue. 
I understand the seriousness of identity theft and the potential impact it can have on individuals. I trust that XXXX XXXX XXXX will treat this matter with the urgency and sensitivity it requires. I am counting on your cooperation to ensure the swift resolution of this unfortunate situation. 

Please acknowledge the receipt of this complaint promptly, and I expect to receive updates on the progress within

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Time Investment Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Aggravated Identity Thief 15 USC 1681c-2 States Except as otherwise provided in this section, A consumer reporting agency shall block the reporting of any information in the file of a consumer that ; the consumer identifies as information that resulted from an alleged identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Carrington Mortgage kept sending me advertisements to access equity in my home- I don't want to access equity in my home nor will I be selling my property to the investors behind XXXX. I checked my payment history and it is all over the place. They reversed payments, then reapplied payments. I purchased my home using my VA loan back in 2018 and the balance is way higher than it was when I had a loan with XXXX - something is not right. 

XXXX  : XXXX XXXX XXXX XXXX and all it's affiliates are to cease and desist with their XXXX XXXX campaign under XXXX XXXX XXXX and stop targeting my property and attacking my finances. I am a Veteran and what has been done over the years is illegal, immoral and unconstitutional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-03
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: Information belongs to someone else

Complaint:
This is Disappointing! I have been disputing with the Credit  reporting Agencies for the removal of the Fraudulent accounts and information that are still reporting on my Credit File despite the multiple dispute letters and CFPB complaints I have been sending to the Credit Reporting Agencies. Five ( 5 ) months have passed and it seems like the Credit Reporting Agencies have been doing nothing! I have consulted my legal counsel and they are willing to help me file a federal case against the Credit reporting agencies for their willful negligence and incompetence with my Credit File. I have been informing the Credit Reporting Agencies that I have been a victim of identity theft and that the disputed items were the result of such crimes therefore I never have a legally binding contract with the disputed items. However, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the Data furnishers verified the accuracy of the disputed items but I never received anything in response or any proof of verification or proof of ownership. Under the Fair Credit Reporting Act, I am requesting that the Credit reporting Agencies remove the following items completely from my Credit file before my legal aide finished their deliberation. I need the following items removed : 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 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 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

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 2021-12-28
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am requesting Exquifax 's method of verification *description of reinvestigation procedure* used to determine the accuracy and completeness of the information, along with the business name, address and telephone number of the furnishers in accordance with 15 USC 1681i ( a ) ( 7 ) for the accounts within your Reinvestigation Letter Confirmation # XXXX dated XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, 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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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 information incorrect

Complaint:
I had a credit card with XXXX XXXX XXXX XXXX Account # XXXX balance of {$6100.00}. My husband filled a XXXX XXXX bankruptcy Case No. : XXXX File Date : XX/XX/2018, and XXXX was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.

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