BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Subject : Inquiry Regarding Lien Status on Vehicle Dear Sir/Madam, I hope this letter finds you well. I am writing to inquire about the lien status on the vehicle, XXXX XXXXXXXX XXXX XXXX Plus XXXX # XXXX, which was previously financed through SunTrust Bank. I have been informed that SunTrust Bank and BB & T have merged to form Now Truist Bank. 

The purpose of this inquiry is to seek clarification regarding the current status of the lien on my vehicle. It has come to my attention that the debt associated with the vehicle has been written off by SunTrust Bank. A debt write-off is the accounting practice in which a financial institution recognizes a debt as uncollectible and removes it from their books as a loss. 

Given the debt write-off, I am interested in understanding the implications for the lien placed on my vehicle. In general, when a debt is written off, it typically indicates that the creditor no longer expects to recover the outstanding amount. Consequently, it raises the question of whether the lien associated with the debt remains enforceable. 

Therefore, I kindly request that you provide me with information regarding the current status of the lien. Specifically, I would like to know whether the lien is still in effect and, if not, whether it has been officially released or discharged in connection with the debt write-off. Any documentation or confirmation regarding the release or unenforceability of the lien would be greatly appreciated. 

Furthermore, I would appreciate an explanation of how the debt write-off impacts the enforceability of the lien. If the debt has been deemed uncollectible, it raises the question of whether the lien itself may be considered unenforceable or invalidated. 

Please inform me of any outstanding obligations or procedures that need to be completed to facilitate the release of the lien, if applicable. I am committed to fulfilling any necessary requirements to ensure the appropriate resolution of this matter. 

I kindly request your prompt attention to this inquiry, as it is crucial for the completion of the vehicle registration process. Should you require any additional information or documentation, please do not hesitate to contact me at your earliest convenience. 

Thank you for your cooperation and assistance in this matter. I look forward to receiving your response and clarification on the lien status of the vehicle. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Specialized Loan Servicing Mortgage Company since early XXXX 2019 and I have told them that I want to pay down my existing mortgage to 80 % of the purchase price so that I may be able to get rid of the Private Mortgage Insurance ( PMI ). I have been told each time I called that I would receive a letter within a week with details about the process and/or the balance reduction amount in order to qualify for the reduction of the PMI. 

It is obvious to me that the SLS mortgage company has no intention of cooperating and giving me the required information. i am therefore seeking assistance and intervention.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
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 been disputing these accounts for over a year now. These aren't my accounts someone took my information when I was locked up and use it. 
XXXX XXXX {$24000.00} XXXX XXXX Bank {$760.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX {$380.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX  {$0.00} XXXX XXXX {$9200.00} All the accounts that's listed are not my accounts.

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 2022-10-07
Company: EQUIFAX, INC.
State: DC
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 recently submitted a request for investigation which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I was notified through my email that I was signed up for online banking through bank of america. I do not have an account with Bank of America and called their Fraud line. The account was An Application for a checking account using my maiden name. The application was flagged for their review. And I placed a freeze through the check 's system.

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 2023-10-09
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I got a amexrewardcard and I activated it. I tried using it on XXXX and XXXX & the transactions were declined on both. 
Called the number provided on the website ( XXXX ) and the lady mentioned they are blocked merchants and said you should try it 'elsewhere '. When asked for a list of accepted merchants, they dont have such a list either. But the website states I should be able to use it anywhere amex is accepted. 
I googled and saw reddit posts stating the same and I am not the only one that this is happening to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC Bank has not fulfilled its obligations pursuant to its advertised promotion. I opened this XXXX  XXXX  account in XX/XX/2022 and fulfilled all requirements ( recurring direct deposits, etc. ) for the advertised {$400.00} bonus. However, PNC has not honored its promise by posting the bonus to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Reporting act 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 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: LA
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 recently wrote to XXXX XXXX Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX Bank is seemingly willfully noncomplying. Furthermore, XXXX XXXX Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX Bank continues to falsely verify as accurate. This has to stop at once!

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently discovered that Transunion ( credit bureau ) has been inaccurately reporting unauthorized inquiries that I do not recognize. The information listed below are the inquiries that are reporting inaccurately on my consumer credit report : An inquiry from XXXX  XXXX ( automotive ) on XX/XX/XXXX, another inquiry from XXXX  XXXX XXXX XXXX on XX/XX/XXXX, and an inquiry form XXXX XXXX  on XX/XX/XXXX. I have requested for the bureaus and companies to remove the inquiries and no results have been furnished to me as the consumer.

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 2018-12-26
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I paid off my federal student loan through Navient 's online account-servicing site. At that time, I turned off the auto-payment feature. For added measure, I wanted to remove all my banking information from the site so that they could not take out the regularly scheduled payment on XX/XX/XXXX, but I was unable to remove it because that would mean that Navient could not process my payoff payment. So I TURNED OFF auto-payment and thought well if the balance is {$0.00}, and auto-payment is OFF, they won't take a payment. WRONG. They processed the regular payment anyway, taking the money from my checking account and reflecting an overpayment credit balance on my student loan. When I called XX/XX/XXXX to have this corrected, the agent immediately put through the refund request, but then informed me it takes 30-45 DAYS to get my money back!!! It was their mistake, yet they are keeping my money for a month or more and refuse to pay interest back to me on money they should not have withdrawn in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Mr. Cooper Group Inc.
State: CT
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:
I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
NATIONSTAR/MR COOPER XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NATIONSTAR/MR COOPER customer service representative . 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several letters to all 3 credit bureaus requesting that XXXX XXXX XXXX, XXXX provide validation of debt concerning the 2 accounts held at their company in my name. The have not provided any validation of this debt but continue to send letters stating I need to pay this collection. They are reporting inaccurate information to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX account no. XXXX amount {$8900.00}, date opened XX/XX/XXXX, remove " XXXX XXXX received deed for collateral in lieu of foreclosure on a defaulted mortgage and late payment remarks '' XXXX ( Original Creditor : XXXX XXXX XXXX  ) account no. XXXX amount {$1100.00}, date XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account. 

ACCT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account no. XXXX, amount {$880.00} date open XX/XX/XXXX, remove Derogatory collection remarks XXXX XXXX account no. XXXX amount {$3000.00} date opened XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account, Charged off as bad debt Purchased by another lender. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion In accordance with the

Fair Credit Reporting act XXXX XXXX XXXX listed above, 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently wrote to XXXX XXXX Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX Bank is seemingly willfully noncomplying. Furthermore, XXXX XXXX Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX Bank continues to falsely verify as accurate. This has to stop at once!

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: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Regional Acceptance car loan appears twice on my credit report. One in good standing and the other is not. 
I have one account with Regional Acceptance the account that have a balance of {$20000.00} need to be removed. 

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 non-monetary relief
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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