BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint against Truist Bank and is related to CFPB Claim # XXXX against Truist bank, which is currently closed. The complaint resulted in Truist Bank notifying me on XX/XX/2023, that it had confirmed the identity of my cousin, XXXX XXXX XXXX 's " identity and ownership interest '' in the property at XXXX XXXX XXXX ( XXXX. XXXX ). Because XXXX has severe brain damage, I am responsible for all matters pertaining to her finances and care, so I completed the form entitling XXXX and me to receive notices and communications about the loan and to request information and submit notices of error. I have continued to pay the mortgage amount required per the contract. However, the loan payment was incorrectly increased from {$360.00} to {$740.00} because Truist is now adding in the amount to be paid for taxes and insurance. Until now, the taxes and insurance has always been paid, per the contract, by my cousin and me. I recently paid the insurance payment on XX/XX/2023 ( Att. XXXX ). When I inquired about this error, I was told I can not be provided any information about this loan until I have XXXX sign and submit a power of attorney. This is in direct conflict of the letter dated XX/XX/2023 and is illogical because Truist has all of the legal documents appointing me guardian and conservator of XXXX, who is now the sole owner of the property. I believe this is another attempt by Truist Bank to wrongfully force this property 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 2023-07-31
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX XXXX XXXX XXXXXXXX Account # 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 2023-01-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

- 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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.

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 2019-08-27
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX gave me a loan for finance my XXXX XXXX I had just got it was my first car I ever got and I was always on time with payments but I ended up going to XXXX and I missed one payment cause I was in XXXX so as soon as I was released from XXXX I rushed home to make the payment on the phone and they told me my car was already sold in auction I told them I have prove I was in XXXX that's the reason I couldn't send the payment my dad tried to make the payment for me but they didn't want to take the. Money until I got out and now they say I owe them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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:
First, my request to block is not being made in error ; nor is my request being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. Experian is denying me of my rights as a consumer!! 15 U.S. Code 1681c2- Block of information resulting from identity theft explicitly says the information needed for a consumer agency to block and delete information reporting on a consumer file. ( A ) Block- 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 ; not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer- PROVIDED ; ( 2 ) a copy of an identity theft report-PROVIDED ; ( 3 ) the identification of such information by consumer-PROVIDED ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer-PROVIDED. It is clear that Experian does not comply with federal law. What right do they have to deny me ( consumer ) of my federally protected rights? I have provided everything necessary for this block of information. I have attached all documents and also attached the email they sent me recklessly asking me for additional information which is not required under federal law. Last, I did not give Experian permission to place an extended fraud alert on my credit report allegedly on my behalf.

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 2022-12-16
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-05-07
Company: CIG FINANCIAL LLC
State: CA
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:
DEVASTATION- CAR DEALERS RAN MY CREDIT 51 TIMES WITHOUT MY AUTHORIZATION AND WITH ME UNDER DURESS. In XXXX/XX/XX/2016 I called a few car dealers to inquire about buying a car. I shared that my credit score was in the low 500 's.  Many of them insisted on running my credit-I felt like I was under duress and felt pressure from these forceful Men, but I told them not to and for the few that I said yes to run my credit, I never authorized them to run my credit 3, 4 and 5 times. I did not buy a car from any of the dealers mentioned so I checked my credit the next month and realized that these companies ran my credit 51 times without even going to their dealerships. I was so depressed and overwhelmed with sadness that I could not work. When I finally was able to work I was not able to get a decent job because my credit score had dropped over 100 points due to 51 credit inquiries. I have suffered for almost 2 years and I just recently discovered that they were not supposed to run my credit without my authorization and that they had not right to run my credit so many times, especially after I had told them my score. Here are the companies that ran my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2021-06-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a corporate kit on XX/XX/2021, from XXXX, the total amount of {$85.00} was charged to my XXXX account ( See doc 1 original receipt ). On XX/XX/2021, I mailed a money order in the amount of {$85.00} to cover the entire balance of the purchase ( See doc 3 XXXX XXXX. I received an email statement dated XX/XX/2021, for the same amount, with payment due on XX/XX/XXXX ( See doc 2, first statement ). In communicating with the company ( PayPal Credit/Synchrony Bank ), I sent two faxes outlining the payment and where it was sent ( See docs 3 & 4 fax confirmations ). Both faxes included the money order and address, to where it was sent. On Monday XX/XX/2021, I received another email reminding me of my minimum payment ( See doc 5 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 monetary relief
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Principe & Strasnick, P.C.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter in the mail in XX/XX/XXXX from Principe & Strasnick , P.C . Attorneys at Law charging me a private loan for XXXX XXXX XXXX XXXX XXXX of {$5000.00}. on XX/XX/XXXX I emailed XXXX XXXX back a authorization letter with my bank information and signature for them to process a monthly payment of XXXXXXXX XXXX  on the XXXX of each month to pay off the owed amount. I had spoken to them on the phone that day as well to discuss the owed balance of {$5000.00} which they told me it includes interest charge as well. This letter was the 3rd time I had received it, the first time I thought it was a scam letter and the 2nd time I called them and they told me they need to collect a debt balance for the school I went to from XXXX to XXXX which was only a 6-7 month program for a certificate. I received the certificate in XXXX for medical office assistant and they had no graduating ceremony for us and they did not want to give me my certificate until I went to go pick it up. The school was not a great school for me because they were low staffed with teachers and did not have all the medical equipment needed in order to learn. They are to over priced for a technical school just to receive a certificate. I would never recommend this school to anyone because they make false promises to students just to bury them with a huge amount of federal and private loan. Right now my federal loans for this school are on pause which they are thru XXXX because of the pandemic except this private one they are pushing me, harassing me to pay it off all at once. The attorney on the phone asked me if I can pay off the whole sum of {$5000.00} which I could not because I do not have that much money to pay that to them so they started bargaining and said they can reduce it to XXXX if I can pay it off all which I still could not, so they told me I can set up a payment plan with them and they asked me how much I can do each month, I told them XXXX $ a month is what I could afford and they said okay and emailed me they're authorization form to include my bank information and signature so they can deduct that amount the XXXX of each month starting XX/XX/XXXX which they never did. They made a court case with XXXX District Court in Massachusetts for XX/XX/XXXX for me to attend for this balance without ever taking any payment plan I had already made with them back in XX/XX/XXXX. I was willing to work something out with them and they did not take out the balance because they must want the full amount of {$5000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Chase XXXX, the account ending in XXXX is not mine, it was fraudulently opened on my behalf. I did not apply for a Chase XXXX XXXX credit card at any time this year. Please do an investigation and remove any balance that occurred on this account. Under certain laws, I am not entitled and/or responsible to pay the debt that occurred on this account ending in XXXX to Chase XXXX which XXXX not mine. Again I did not authorize or verify that this account is mine. Remove the debt that occurred on this already closed account because it is not mine and I do not owe any debt to Chase, for the sole reason that this account is not mine in the first place. It is identity theft. As I am aware, this account is already closed but there is still a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I received an email from TD Bank that a Convenience Checking account was created in my name. I received immediate subsequent emails that the contact info on this new account was updated. I did not open this account. I called TD bank immediately and waited 2+ hours to speak with their fraud department. After a troubleshooting conversation with their customer service, we finally discovered that someone opened an account fraudulently using my Social Security Number and former married name ( XXXX XXXX ). TD Bank could not actually confirm any account info unless I provided my Social Security Number to them. I requested that this fraudulent account be immediately closed, but TD bank said they must complete a fraud investigation first before the account could be closed. They tell me that they put a " block '' on the account. Since then, I have been following the instructions on identitytheft.gov for reporting and repairing my identity. I have filed a police report, requested an extended fraud alert and credit freeze with the 3 credit reporting agencies, ordered a XXXX  report, and alerted my current and former employers, in case my ID is being used for Unemployment Compensation fraud. I have called, emailed, and send certified mail to TD Bank at least 5 times since XX/XX/XXXX, requesting that they close my account. Thus far they have been unresponsive. The only feedback I have received was during my phone calls, where TD agents continue to tell me that the fraud investigation must be completed before my account is closed. When asked, they are unable to give even an approximate time frame of when the investigation will be completed, and the account will be closed. The only option given to me to close the account was to visit a TD Bank branch in person - the nearest branch is a 5 hour drive from my home. Today I received my first piece of mail from TD bank, which was an account balance statement for this fraudulent account that I requested be closed. I am requesting that you investigate why their response is so inadequate, and I am also requesting your assistance in having this account closed, and written confirmation of the account closure sent to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Our mortgage was bought from XXXX XXXX to XXXX XXXX in XX/XX/XXXX. Sometime in XXXX we missed a payment. When we received a letter from them, we looked back through our records trying to find where we messed up. We kept getting late notices and we were sent to collections every month. XXXX also sent notice to the credit bureaus. We spoke with XXXX several times and everytime we got someone on the phone, they were having computer issues or " would put on note on the account ''. We spoke with a knowledgable lady at XXXX and she told us that they keep putting our funds in a " reserve '' account if the check we send in is for an amount different from the amount owed. Even if the money was sent in on time, it would be put into a reserve account, they would charge us a late fee and send us to the collection bureau. Everytime we call we get someone who doesn't speak English well, or doesn't understand what we are saying. I called on or approximately on XX/XX/XXXX for the same reason. {$1100.00} was sent in and it was placed in a reserve account. We asked to have a face to face meeting with someone to go over where the error is and find a way to fix it and we were told there is no one within 200 miles. XXXX was going to email us copies of all payments made from the time they bought our loan until now but of course the computers were down and they could only mail it. I just received them this evening of the XXXX of XXXX. Due to all of this, our credit has been destroyed. Everytime we think we are caught up, we end up going deeper in the whole and can not get a straight answer from anyone. Also, I tried speaking with XXXX XXXX   several times about PMI insurance. When we bought our house in XXXX, our mortgage was {$1100.00} and that included PMI. Our mortgage payments now are {$1100.00} and they claim we are no longer paying PMI. If we are no longer paying PMI, why hasn't my mortgage payments dropped? No one can give me an explanation for this other than I am not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I processed a payment through XXXX, transferring {$450.00} from my account to another for purchase of event tickets on XXXX. The transaction was not processed, I received an alert that stated " Your payment requires additional review '' and immediately called my bank. I asked if it was possible to cancel the transaction as I was starting to get a bad feeling about the seller. The representative told me that the transaction was not processed and had actually been cancelled as it required approval from me. 

The following day, the money was gone. I called the bank and inquired and they told me I was out of luck. That they do not investigate and that the money would have to be recovered by XXXX, but XXXX told me to talk to my bank.

Company response to consumer: Closed with explanation