BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo Home Mortgage ( WFHM ) and I suspect a fraudulent attempt by WFHM to  place forced insurance on my property. Here is the timeline of events : XX/XX/2018 : WFHM advises they need to see proof of my condominium flood insurance policy. ( Letter # 1 ) XX/XX/2018 : WFHM advises they plan to purchase insurance unless proof of flood insurance is received. ( Letter # 2 ) XX/XX/2018 : I upload the requested certificate of insurance to their website, XXXX. 
XX/XX/2018 : WFHM sends a " Second and Final Notice '' ( Letter # 3 ) XX/XX/2018 : I speak with XXXX XXXX at WFHM. I also fax a copy of my condo association 's flood insurance certificate of insurance. Mr. XXXX assures me that he received the faxed documents and will update WFHM 's system. 
Around the same time, I receive a letter dated XX/XX/2018 ( Letter # 4 ) that advises that the temporary flood coverage WFHM had placed had been cancelled and that I was not charged. 
XX/XX/2018 : WFHM sends Letter # 5 advising they need to see proof of current flood insurance, yet again. 
XX/XX/2018 : I fax the documents again. I speak to no less than 4 representatives at WFHM, one who hung up on me. I was assured that I would receive a confirmation letter that WFHM had received the proof of flood insurance coverage and that no forced insurance will be placed. 
XX/XX/2018 : WFHM sends Letter # 6 which advises that " We've paid the premium for new insurance policy '' and that " we didn't anticipate paying for a new insurance policy. This could cause a shortage in [ my ] escrow account. '' The letter goes on to advise that I should contact the other carrier to cancel the insurance policy and obtain a refund. ( I can not unilaterally cancel my master condo flood insurance. ) XX/XX/2018 : I speak with yet another WFHM representative who advises that the letter was an incorrect letter and that no forced insurance was placed on my account. I request written confirmation. My matter had been escalated to the " executive office '' resolution team.

I do not care whether this is just merely incompetence or an attempt by WFHM to earn fraudulent fees and premiums. This is nothing short of harassment.

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 2019-08-20
Company: SYNCHRONY FINANCIAL
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My former XXXX  that I took my dog to for a few months was scamming me the whole time, but I didn't realize it until after the last time I took him there about a month ago.  I explained everything to Care Credit   and went through the entire disputes process, just for them to turn around and deny my claim and close my case, stating that the XXXX can make their products whatever price they want... That's not why I was disputing!  Either they didn't thoroughly read my complaint, or they acted XXXX  in order to automatically side with the merchant.  I now since I first filed my dispute, refuse to pay one more dime on my bill, and if Care Credit doesn't remove the charges, I will be closing my account, not pay the charges, and I will file a claim with the credit bureau.

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 2022-10-27
Company: TRUIST FINANCIAL CORPORATION
State: MI
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:
I have requested a copy of my auto lien release through SunTrust Bank, which merged with Truist in XXXX. The loan was paid off in its entirety in the summer of XXXX. I originally contacted Truist through the customer service line to request a copy for the lien release on XX/XX/XXXX and again on XX/XX/XXXX. Both of the Truist representatives informed me they would put in my request. I never heard back or received anything in the mail. I called again on XX/XX/XXXX and was informed by a Truist customer service representative that those requests failed to go through. The Truist representative recommended that I mail or fax my information to the Truist Closed Loans Department. However, the Truist representative would not provide a phone number nor an email. I sent faxes to the Truist Cloan Loan fax number provided to me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I called Truist ( again through the customer service hotline ) and the Truist representative informed me that they could not provide a phone number for Truist Closed Loans and claimed that none of the Truist Closed Loans staff have phones. The Truist representative could not confirm whether the faxes I sent made it to Truist Closed Loans, but informed me it would take XXXX weeks for Truist Closed Loans to process the claim. I have no confirmation that my faxed request ever made it to the Truist Closed Loans Department.

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 2018-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Report Number : XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Previouse deleted fraud ittem on my credit report Experian report # XXXX XXXX Account Number : XXXX XXXX Account Number:XXXXXXXX XXXX Account Number : XXXX Account Number:XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX/XXXX Account Number : XXXX Account XXXX are fraudulant inquire XXXX XXXX XXXX.Date of Request:XX/XX/XXXX s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. XX/XX/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 2023-04-26
Company: Opportunity Financial, LLC
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to get this derogatory off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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 my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXXB - XXXX XXXX XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I went t o the Hospital, I su bmitted my health insurance card, they assured me that they would send me a bill. They never did, nor did receive anything from them. I gone to this hospital for 9 ye ars ( at least 30 different times ). I have always paid them their payment. This these two times they never send me anything. I need a fair opportunity to pay this bill, so I can pay the bills and I need this removed from  my credit.  <P/> COLLECTIONS Original Creditor  XXXX   XXXX   XXXX   XXXX  Opened Date      XXXX   XXXX   XXXX              CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX   {$42 0.00} Original Creditor  XXXX   XXXX   XXXX   XXXX  Status Open Opened Date    XXXX   XXXX   XXXX    CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX      {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-26
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am hoping you may be able to assist me with filing a formal complaint against Ally Bank on their unfair and bad faith processing in the closing my CD account. 

On XX/XX/XXXX I made a request for an early withdraw on a XXXX, $ XXXX CD ( knowing there would be a penalty ), as I was using the funds to close on a new home. I was told that it would take 3-5 business days. Over the course of the next 9 business days, I made numerous calls to supervisors and spoke with associates via their online chat. Ally Bank continued to provide inconsistent, inaccurate, and false information regarding the status of my account. As a result, we were not able to close on our house. ( Please note that I closed a CD with XXXXXXXX XXXX for the same amount on XX/XX/XXXX, and XXXX delivered the funds within 3 business days. ) My money was released on XX/XX/XXXX after numerous conversations and being transparent with Ally that we were filing formal complaints against them for the unnecessary delays. 

On XX/XX/XXXX, I received an email from Ally regarding the complaint I escalated to their management. They responded that my original request took longer because they had to process a fraud prevention review. This was NEVER explained or communicated to us during any of our conversations. We had 3 other CDs of the same amount ( requested on XX/XX/XXXX ) from other banks who had no problem releasing and wiring the funds to my XXXX XXXX account within 2 business days. 

I feel that Ally consistently lied about the status of my request and held onto the money far longer than the usual ACH regulatory guidelines of 2-3 business days. None of Allys online information regarding ACH transfers speaks to any fraud prevention review. I had to argue with a supervisor to request their ACH policy, which I still have not received, nor do I trust that they will send it. 

Up until the release of the funds on XX/XX/XXXX, I was truly concerned that they, in fact, did not have my money and we were dealing with a serious banking issue and potential loss. 

We almost had to forfeit our home purchase and lose our deposit because of this situation. We are closing on our home almost a week later and have incurred additional expenses not only from added fees from closing, but also because we had to release 2 additional CDs, which were used to cover the costs of closing since we did not know when Ally was going to give us our money back. As a result of XXXX incompetence, this cost us over {$8800.00} in lost interest on those 2 CDs. 

While this has been an extremely upsetting and stressful course of events, I am also concerned that this is happening to others who may not know that they have agencies who may be able to advocate for them.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX  XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$24000.00}

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 2023-08-10
Company: Experian Information Solutions Inc.
State: NC
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 this creditor has violated my rights. Under 50USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose. Under 15C USC 1692G section 809 B creditor failed to validate a debt

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 2016-03-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello, I recently had my Navient Loans managed by a collection company called XXXX. I made a settlement agreement with them to pay off the loan. Then the day before the loan payment was supposed to be taken out, Navient took to the loan back from the collection company. This was done by a system that automatically removes accounts from collection companies who have not received payment within a certain period of time, I believe that 's the 30 days. However, I had an agreement in place, and I feel that Navient is taking extraordinary steps at trying to make this repayment incredibly difficult for me. I would like my loans sent back to XXXX XXXX XXXX XXXX.I would also like someone to look into this automatic system that 's pulling loans from collection companies that are already in repayment plans. The system should make an exception for those loans, and allow the collection companies to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Its 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 2023-02-18
Company: SYNCHRONY FINANCIAL
State: CA
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 had been doing business with Amazon like most I always used my XXXX XXXX debit card.Some how I was given an online Synchrony bank card, not a physical card in the beginning of 2022. 
About this time I no longer wanted the XXXX gummie bears so I called Amazon explained I wasn't happy with their product and asked them to quit sending their product and to quit billing me, Amazon said no problem a Month later I got billed again again I called Amazon again Amazon said no problem sorry you will not be billed again and I said quit billing my Amazon card ending in # XXXX they again said no problem. 
I was very clear since XXXXXXXX XXXX XXXX  to not be sending me anymore XXXX gummies. 
I started seeing emails from Amazon I figured they were just trying to get me back to buy their gummies. 
A couple more months went by and I happened to call Amazon to tell them to quit emailing me because they said I would not be billed again, at that point they told me I have some late payments?? I was mad and paid their payments because I want good credit I had an XXXX score before dealing with Amazon, and now XXXX range. 
I make over {$100000.00} per year and do not need credit cards to pay my bills, this is why I always pay with my XXXX XXXX debit card.I tried to deal with Syncrhrony bank emailing them then calling they wouldn't listen to me. 
I even tried XXXX they only gave me a computer response .I feel cheated by Synchrony I don't deserve this on my credit.

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 2022-07-14
Company: Scott Fetzer Financial Group Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, you have a right to have it removed. To do so, you can start a dispute with each one of the credit bureaus, XXXX, XXXX, and XXXX. After briefly going over my consumer report I found that the listed is reporting inaccurate information to the credit bureaus which is severely impacting my credit score. The furnisher also called multiple times and harassed me even after letting the services know I am XXXX and need assistance and a payment plan I was told no and there was nothing they could do. From the store, the clerk told me XXXX amount, and then after reviewing the paperwork the company is charging almost XXXX x times the amount I was told. Under these false pretenses, I am upset with the way this was handled. Under the law, the creditor can not or shouldn't do the following ..Calls before XXXX XXXX XXXX XXXX XXXX XXXX. unless the collector knows such times are more convenient for the debtor " Unfair or unconscionable means to collect or attempt to collect a debt '' .Any conduct to harass, oppress, or abuse.

Company response to consumer: Closed with explanation