BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, a person or persons unknown appeared in the SunTrust ( now Truist ) branch on XXXX XXXX XXXX XXXX. in XXXX XXXX XXXX, XXXX, where our accounts are ( we live in XXXX and spend winter months in XXXX ) and fraudulently withdrew {$10000.00} in XXXX transactions. XXXX withdrawal ( evidently by withdrawal slip and NOT a check ) was for {$4500.00} and the other for {$6200.00}. Nobody from the bank informed us about these unusual transactions. We first became aware of this when we received our XXXX statement in XXXX 2021. 

On XX/XX/2021 my wife and I notified Truist about the theft of our funds and their representative stated that an investigation would be commenced. Since that time, a period of more than a XXXX XXXX months XXXX Truist has repeatedly stonewalled us. XXXX XXXX XXXX of Truist, who ignored repeated voicemails and emails, finally responded when I sent an email stating I would turn the matter over to legal counsel. On XX/XX/2021, XXXX XXXX sent an email stating that " we are in the final stage of approving your claim '' and that the case was " nearing full resolution. '' These statements proved to be false, as we never heard anything further from XXXX XXXX, despite follow up email. 

On XX/XX/2021, I sent a XXXX XXXX letter, delivered the following day, to the CEO of Truist, XXXX XXXX XXXX and the XXXX XXXX XXXX, setting forth our claim and our frustrations. On Tuesday XX/XX/XXXX, I received a call from XXXX XXXX ( phonetic? ) of Truist, stating that XXXX XXXX and XXXX XXXX had received my letter and the matter would be " escalated '' and apologizing for how we had been treated. She claimed a check would be sent to us. That hasn't happened and XXXX voicemails to XXXX XXXX left XX/XX/XXXX and XXXX, 2021 have not been returned. 

Truist has teated us abominably. Over {$10000.00} was fraudulently taken from our account and Truist has not only not done anything about it, it has repeatedly refused to communicate with us, ignoring our attempts to find out what is going on.

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 2018-03-23
Company: Lloyd & McDaniel, PLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid Lloyd and McDaniel law firm XXXX on XX/XX/2018, they are still reporting negative remarks to the credit bureau and they have not released the judgement off of my credit. They told me it would take 14 days to remove the negative mark on my credit but its still on there. I have reached out to them several times and they refuse to remove the judgement even after I have paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I have been a victim of identity theft since XX/XX/XXXX. I have supplied Experian with multiple FTC reports, three different state police reports and have failed to blocked the fraudulent information from my report per FCRA 605B ( 15 U.S.C. 1681c-2 ) subsection a. I have continuously received emails stating they have opened a dispute which is NOT what I requested all the calls and emails with uploaded documents supports that I requested a BLOCK not a dispute process to be initiated. In addition to the emails they are sending me it's stating that haven't received documents that on the call on XX/XX/XXXX the agent in the fraud department by the name of XXXX confirmed that they in fact had received. XXXX Police department stated that an incident report is the same as a police report in their jurisdiction which I uploaded multiple times and mailed certified along with the FTC report. Experian is violating my rights that are clearly stated in the FCRA. Them opening a dispute that allows them 30 days even though I've supplied ALL documents according to FCRA state are grounds for blocking the effects of identity theft and continuously requested for it to blocked that gives them 4 business days have been ignored and they are NOT being held liable for their contribution of the mental, emotional, and financial abuse this is causing me for the past 11 years.

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 2018-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo Bank financed my purchase of a XXXX XXXX XXXX in XXXX, after I placed a {$5000.00} down payment ( acct # XXXX ). I have never missed a payment and XXXX XXXX XXXX XXXX claims that I owe them for 3yrs of  auto insurance and because I refused to pay their excessive unnecessary insurance fees, Wells Fargo Charged Off my auto loan and refused my payment of {$450.00} in XXXX of XXXX. Wells Fargo Bank reported this false debt to the credit bureaus and increased the monthly payment amount to almost {$600.00} per month. I complained to the credit bureau about this and was informed that their ( WF ) reporting was improper. But they ( WF ) refused to retract their demand for payment for 3 years of insurance coverage. I have never had an insurance claim with my insurance company ( XXXX XXXX XXXX ), nor have I ever filed a claim with W.F. I have never been answered as to how can they ( WF ) can Charge Off my loan without ever missing a payment. Last year XXXX or XXXX of XX/XX/XXXXWells Fargo publicly announced that they had over 500k auto loans customers that had forced insurance wrongfully places on their accounts. Some even had their vehicles repossessed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Every time creditors runs a credit check on me, my sister 's name, social security, as well as her credit history appears in place of mine. We have similar names and social security numbers. I have no credit whatsoever, and I am trying to build my credit but I am not able to do so until this mix up is fixed. Today, XXXXXX18, I received a credit report from Experian that belongs to my sister, but has my name and address on the report. I 've been trying to resolve this problem with Experian personnel but to no avail. I have been placed on hold for over an hour and it seems as if they are not willing to help even after I have done all they have asked from me. I have submitted colored photo copies of my social security card, drivers license, bank statements to Experian. This is very frustrating because I ca n't be added to mortgage, apply for credit card, finance on a vehicle until the mix up is fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: Homeward, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Homeward Mortgage is a company that offers to buy houses for you with their cash then turn around and sell it right back to you at a 1.9 % fee. 

We entered into a signed contract with them in XXXX XXXX  to buy a house and a vacant lot adjacent to the house in XXXX. All throughout all of our negotiations and asking for documents there was always a vacant lot attached to this house. The day before we were set to close on the deal ( after lying to us about getting a appraisal done ) I was told they could not finance the house because of the adjacent vacant lot. The documents we signed had both addresses on them for the contract. 

This caused the sellers to back out of deal ( they knocked XXXX off because we were willing to buy both properties ) and we lost our earnest money plus inspection fees and all sorts of other expenses. 

I asked Homeward to refund our earnest money paid to the seller, since they backed out and they refused. So not only did we loose the sale of the house and property but we are out over {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: TX
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 XXXX I sent letters to the XXXX credit bureaus telling them that there were items on my credit report that should not be there! There were multiple incorrect entries that I did not know about nor know how they were put on my report! It has been over XXXX days since I sent these letters and I have still not heard back from any bureau. According to section 611 a, failure to investigate items in XXXX  days gives reason to immediately remove all the inaccurate items from my credit report. And I truly believe that after waiting this long they have not even started my investigations! I need these items to be removed immediately or I will have to file for litigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While checking my credit reports I discovered a collection listed by XXXX XXXX XXXX XXXX XXXX  Act. # XXXXin the amount of {$1000.00} I immediately sent XXXX XXXX a certified letter requesting verification. I received no reply whatsoever. I pulled another credit report 30 days after XXXX XXXX  signed for the original letter and the collections account had not been removed or marked as diputed as required by Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I then sent a second certified letter and again got no response From XXXX XXXX. As of a XX/XX/XXXX Credit report pull the collections item is still on my credit report and there is no notice of dispute, ( a violation of the Fair Debt Collection Practices Credit Reporting Act, and the corresponding local state laws ). I filed a complaint with CFPB. in their response, XXXX XXXX did not address any of the issues in my complaint but instead mentioned about some account from XXXX XXXX which I know nothing about.They did not address at all the XXXX XXXX XXXX Account, which was the subject of my certified letters to XXXX and my complaint to the CFPB The sloppy procedures and erroneous reporting of XXXX XXXX XXXX XXXX XXXX result in their non compliance with Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws and is causing me financial harm, In summary, it has been over 3 months since XXXX XXXX received and signed for My first certified letter on XX/XX/XXXX and to date they have not provided me with " validation '' ; that is competent evidence that I owe them this debt and their inability to do so requires that they remove the item from my credit reports. I could not even get a response from hem until I filed my original complaint and when they responded to the complaint their response did not address The XXXX XXXX XXXX account which was the subject of the complaint.

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 2021-12-03
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX  i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. Ambulance Ride XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} {$1500.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX This companies reporting the same debt twice on my XXXX, XXXX and XXXX reports. They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Yamaha Motor Finance Corporation USA
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: Credit inquiries on your report that you don't recognize

Complaint:
FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED YAHAMA IN A COUPLE OF OCCASIONS. THE MONTH XXXX  XXXX AND XXXX MY CREDIT KEEPS GETTING PULLED BY YAHAMA BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Seterus, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX   XXXX  and 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 2019-02-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
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:
Hello I recently received a copy of my credit report and did not understand what was being reported- My home loan information reporting seems to be different than what I have on file. I am requesting verification of detailed account information and the dates reported to XXXX, XXXX and XXXX. 

1. Please confirm the last date reporting or updating account details to each credit company.

2. Please confirm all negative payment dates reported ( ie 30-90-120 late payments ) 3. Please confirm last payment date I would appreciate this information be mailed to me to verify my records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: ERC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 I paid {$200.00} to XXXX as a settlement payment and they still will not remove the item from my credit report. XXXX XXXX XXXX. Handled the debit for them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Pinnacle Credit Services, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter, sent XXXX/XXXX/XXXX, attempting to collect a debt for {$2500.00} with the original creditor XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they have no record of me ever owing that amount or sending me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have contacted Transunion via phone and letter about the issue of a car dealership accessing my credit report without my permission. They have refused to remove inquiries from my report. The fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX As a matter of fact, representatives have lied on several occasions about the process for the removal and I received differing information from different representatives.

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 2021-12-03
Company: Integrated Recovery Services
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received two phone calls one from a young lady indicating that she works for XXXX XXXX XXXX and a process servicer came to my mom 's house to serve me for a civil suite . She told me to call XXXX and speak with XXXX as she was handling my case # XXXX XXXX indicated that a Notice of Demand from XXXX now XXXX XXXX . She did not inform me that she was a debt collector attempting to collect a debt. Furthermore the debt she is attempting to collect is from XXXX and was discharged in my XXXX bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have no acct w/ cap one yet they have been calling me 2-3 x's/day for over a month. I answer they hang up SO I called 6 seperate times to remove me number yet they still call. I am on limited plan & was overcharged, I'm sorry I'm broke & XXXX & haVing to pay an extra {$20.00} may not seem like much but to me I struggle with Nicole 's & dimes. Please help

Company response to consumer: Closed with explanation