BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to deposit a check drawn on a PNC account into my PNC account and was told the check was being put on a general hold. I received an email from PNC stating just that with no further information but to expect a letter in the mail stating why. I called PNC, the customer service rep told me they just need to verify that the funds will be covered. It is PNC to PNC, she gave me no reason as to why they could not verify funds in the account that check is being drawn on despite it being another PNC account. She said it could take five business day. I deposited the check on XX/XX/XXXX before XXXX. Five business days would be Tuesday the first, but they are holding until XX/XX/XXXX with no reasoning why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo, why did you recast my account using Federal Tax Dollars from HUD, under the lie that I needed financial assistance instead of using the over {$150000.00} I had in my checking account? 

I was just looking for a vehicle in which to get the money to you. When your company approved a RECAST modification to use my own funds in XXXX of XXXX your loan preservation rep XXXX XXXX told me to disregard the letter, and complete the modification ( that I didn't need OR ask for in any way! ) first, and then I could recast later? Your Asst. VP of XXXX XXXX XXXX XXXX stated once a modification is completed I would no longer have been allowed to recast my account. She lied to me and I trusted her. Pull the calls!!!! 

Why did XXXX CFPB Rep XXXX XXXX lie to me and tell me in XXXX of XXXX that all calls from XXXX and XXXX were deleted, when they were all pulled up a year and a half later by XXXX XXXX and XXXX XXXX? 

Why did XXXX XXXX tell me to accept what Wells Fargo has done to me for my own XXXX and XXXX  health? He advised me, by Wells Fargo taking HUD funds on my account really worked out for everybody because Wells Fargo got an extra ten years in payments, and I got to get a modification with no money down. That way I could use the {$100000.00} I tried to give to Wells Fargo and invest it in the stock market instead, and maybe double or even triple my investment? When did XXXX XXXX become my financial adviser, and health provider? 

Do you think its fair to me to keep me in constant research over this issue for almost 2 years this bout alone, and 33 cases to date opened and closed on my account with no resolution from Wells Fargo? Does CFPB allow such lengthy timelines? If so that is news to me. Youre in violation of my rights regarding this issue. 

And lastly Wells Fargo, why did you try to pay me off with XXXX and Non-Disclosure Agreement if you followed all of HUD 's guidelines and Procedures? Your offer was insulting at best. 

Thats a start. Thank you.

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 2022-01-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient continues to hurt my credit but not call to negotiate less predatory terms with a more knowledgeable adult. They continue to offer invasive solutions that will require speaking to commissioned employees every six months to 1 year. Based off these terms I will be rewarded with increased payments based off my success or time. Please put my private loans in your XXXX XXXX dollar predatory lending settlement and remove the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have contacted the 3 credit reporting agencies several times, the agencies are putting information on my credit report without my permission. They are violating 15US code 1681c-2a consumer reporting any information in the file of a consumer identities as information that results from an alleged identity theft. These accounts should NOT be furnished on my consumer report as they are in violation under 15 US code1681b permission purpose of consumer report ( a ) in general subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As Consumer, Iam demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-01-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
U.S Bankcorp put us on a forbearance program when we struggled during the XXXX pandemic. We were notified that the forbearance was coming to an end and were offered a deferment option or a Streamline modification to our loan with an interest rate of 2.8 % in XX/XX/2021. The bank representative XXXX, informed me that this rate and program will still be available at a later date if I would like to take the final forbearance extension for another 3 months. I contacted U.S Bankcorp in XXXX of 2021 to request an end to the forbearance and was provided a Request for Mortgage Assistance application. I also was requested numerous documentation, employment letters, bank statements, letters of explanation, tax transcripts & tax returns. I was also requested to create paystubs on word for self employment that were consistent with the direct deposits from my business banking. After 8 weeks of providing documentation. I received a letter from U.S Bank my modification was denied and the only option being offered is a short sale of my property. The reason for denial stated my current housing ratio was below 31 %. I contacted U.S. Bankcorp and informed them they had made a calculation error as my current housing ratio is above 75 %. I also informed them that I was offered options just a few months prior. After further review the bank representative said that they had a computer glitch and a new modification application will be sent out to us to complete. Upon logging into the bank website the status has not changed.

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 2021-02-11
Company: Experian Information Solutions Inc.
State: MD
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 try to buy i car when dealer pull my credit show an account dont belongs to me i call XXXX  XXXX XXXX talk to 4 different agent but not one were able to help also car expirian not luck as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Today I received a call from someone claiming to be light stream finance. They had a legit looking form and I completed it. Then they were disputing my accts and got me XXXX on my bank acct. So they asked me to cash app them the XXXX to a XXXX XXXX and thats when I realized I was being scammed. I hung up and called my back and cancelled the disputes. Also blocked the number from my phone. XXXX ( XXXX ) XXXX Here is XXXX of the numbers they called from. The form also had the actual light stream logo so it looked real. The man called me back on a different number and threatened that if I didnt send HIS money to him on the cash app tag $ XXXX that he will call my bank and get double that amount.

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 2022-02-03
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This AMER HONDA XXXX account is reporting derogatory information as reported in my Credit Bureaus . The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

AMER HONDA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
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:
sent a letter out on to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 



According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: ALLY FINANCIAL 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:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts!

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-12-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am filing a formal complaint against TD Bank for their mishandling of a dispute related to a charge on my account. This dispute involves a transaction dated XX/XX/, for an amount of {$760.00}, charged by XXXX XXXX XXXX for a vehicle repair service that was never completed. 

Initially, TD Bank issued a credit to my account while they investigated the charge. However, they failed to conduct a proper investigation and prematurely reversed the credit. Upon contacting TD Bank, they acknowledged their error in not investigating the claim and incorrectly closing it. They apologized and reopened the claim, reissuing the credit and promising to follow up with the necessary form for me to submit video evidence supporting my claim. Despite this assurance, the form was never sent, and I was later informed that it was not dispatched because the claim had been closed in my favor. 

Today, I discovered that TD Bank had once again reversed the charge, despite the investigation still being incomplete and without any communication or resolution of the issue. This series of mismanagements by TD Bank has caused significant financial and personal distress. 

I am seeking a resolution in the form of a credit for the disputed amount and appropriate action from TD Bank for their failure to handle this dispute correctly and in accordance with the rights and protections I am entitled to as a cardholder. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: GA
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:
I have contacted Equifax about inquiries that are not mines. 
XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/2023 XXXX  XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/2023 XXXX  XXXX XXXX  XXXX XXXX this XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX of inquiry XX/XX/2023 XXXX  XXXX  Dispute this Address XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2023 XXXX XXXX XXXX  Dispute this XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/2023 yet they refuse to remove them. I will now be filing civil suit against them because I have provided them with a ftc report. And they claim they never got it and I sent those out novemeber XXXX. I will be sueing as of next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Sequium Asset Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed several disputes with XXXX XXXX and have not received a response to date. I received a collection notice from XXXX in attempt to collect a debt that is not owed. I filed a complaint with the Federal Trade Commission on XX/XX/19. The Company responded that they did not own the debt and that XXXX XXXX never responded them with verification of the debt. Again, to date I have not received any further response. On XX/XX/19 I received a new notice from Sequium Asset Solutions attempting to collect on this debt. I have notified the Company of my dispute. I have made many attempts to stop this collection activity. XXXX did not respond to my dispute as required under the FCRA. Please note that I was affected by the XXXX breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I disputed something TransUnion reported to XXXX XXXX. 
As of XX/XX/2022, When I log into XXXX XXXX to check the dispute, not only does it show it's been more than 30 days, but it shows that there is still no decision on the dispute. I reached out to Transunion on XX/XX/2022 and i was told by them, that according to them, not only did I not have any current or past disputes, but if I were to receive an answer that it would have gone through XXXX XXXX, they could not be of assistance, and to contact XXXX XXXX, and would not help me any further. 

When reaching out to XXXX XXXX that same day, i received a reply on XX/XX/2022 that also says they ( XXXX XXXX ) could not find any disputes in there system, ( despite when i log in i can still see it in my dispute section ) and that they too could not offer any additional help as they did not have the resources but i was welcome to ask them any further questions.

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 2022-10-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened my Checking account with Capital One in XXXX. It has had about {$200.00} in the account since XXXX  and no fees have been charged to the account. In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I was charged {$8.00} fees on my account. I was never charged fees before or after this point. I called Capital One to ask them why these fees were charged and they said it was a maintenance charge because my balance was below {$300.00}. I asked them why these fees had never been charged before or since and the agent told me Capital One had the right to charge these fees and would not waive them. I would not have kept this account open if I new it was accruing fees- I have XXXX XXXX saved with Capital One in no fee accounts and I was never charged a fee on this account since I opened it until 5 years later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: MO
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, XXXX XXXX, a natural person and without the help of anyone in filing this complaint declare that the XXXX XXXX XXXX EXPERIAN is violating my rights by refusing to send me the results of the investigation of all negative accounts reporting on my credit file in spite of many certified letters requesting the results and methods of said investigation. I now also am requesting they send me that AND my credit file.

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