BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: AR
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 am sending this follow up CFPB complaint today to inform you again that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXXXXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XXXX XXXX Balance Owed : {$640.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a home mortgage and a HELOC with TD Bank. I have been trying to refinance my mortgage since XX/XX/2021 ( 8 months ago ). I received approval from XXXX, my new mortgage lender, over 6 months ago. Since then, they've been trying to pay off the loan and subordinate the HELOC so that I can get a better rate. TD Bank has been completely unresponsive, taking weeks to months to reply to their requests, and by the time they do, my documents expire and I need to resubmit them, at which time the process starts all over again. This has happened multiple times now. 

I finally got fed up and called TD Bank on XX/XX/XXXX. I spoke to a supervisor named XXXX XXXX who told me that there was nothing he could do, since the subordination department " doesn't have phones '' and that there's nobody that he could call to figure out why this is taking so long. After a long back-and-forth about how waiting this long and being forced to submit documents multiple times is unacceptable, he promised to call me back in 48 hours with a solution. He never called me back. My refi team at XXXX is telling me that TD Bank always takes longer than every other bank to let go of mortgages, but they have never had a problem like this. 

Currently, I am still waiting because my team at XXXX is telling me that TD Bank is now demanding additional documents and refusing to move forward. It has now been 8 months since I've started the refi process, and 5 months after all was approved from XXXX 's side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: CITIBANK, N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred money from an online platform called XXXX to an expired account I held with Citibank on XX/XX/XXXX. The account with Citibank was closed sometime in XXXX but was still saved in my list of accounts with XXXX. XXXX gave me the ARN number to track the transfer with Citibank as it didn't bounce back. However, the financial institution Citibank failed to comply and consistently refused to check the ARN number. The ARN number is the following : XXXX XXXX sent me a log of the transfer events for the transfer that is marked as complete on their end for an amount of XXXXUSD on XX/XX/XXXX at XXXX XXXX. I can provide my expired account number, routing number and the last 4 digits of the card if it can help retrieving the amount or forcing Citibank to comply with their fiduciary obligations and check the ARN/provide a full log of events.

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 2021-11-28
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
Santander Consumer USA is in Direct violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all XXXX credit bureaus since XX/XX/XXXX. Santander Consumer USA is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, Santander Consumer USA is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, Santander Consumer USA has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at Santander Consumer USA, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
Santander Consumer USA has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, Santander Consumer USA perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report 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 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove 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 2021-05-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I am trying to refinance my home with Truist. I have never made a late payment and the home us worth about {$1.00} XXXX on a {$360000.00} mortgage. I began a refi in XXXX. 

But when they found out I am single and own my own business ( I am a journalist and author, I employ myself and one other person ), they began to harass me with request after onerous request. Two weeks ago they asked for a {$5000.00} P & L statement certified by my accountant ( i had already given them 3 months of bank account starements and a P & L from my bookkeeper ). I objected and said I would provide personal and business taxes. They agreed. Today they asked for my personal and business taxes by Friday or they would cancel the application. ( My personal ones are complete but still working on business apparently this giant bank does not realize business taxes were not due on the XXXX ). They have cost me tens of thousands of dollars as I have delayed repairs on my house ( replacement windows ) that I need to pay for thru a HELOC. ( It took them 3 months to get a payoff amount ). And I have incurred extra costs thru my accountant. They also asked for a letter from her, which she told me is illegal under Dodd Frank. 

My small business is thriving In fact you can see that I have just published an XXXX bestseller, foreward by XXXX XXXX. 
I am also an XXXX fellow. 

This is harassment of a single mom small business owner, pure and simple. I am exactly the kind of person our banking system should support.

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 2021-11-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My debit card was compromised and I reached out to Regions bank to cancel the card and send a new. Once the new card arrived, I activated and locked it. While the debit card is locked, unauthorized charges are going through on my account. Each transaction, be it big or small, Regions charged me {$36.00}. So within a short period of time, Ive amassed close to {$200.00} in OD fees. I reached out to Regions to see if I could get some of the fees waived because its extremely expensive and everyone is having a hard time amidst this global pandemic. These transactions were unauthorized and regions is refusing to waive any of the fees.

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 2023-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 need your help in a serious matter involving my credit report after reviewing my account I realized that they might've been reporting damaging information the fair reporting Acts a a voluntary surrender section 96 is different from a repo section 94 I did a voluntary surrender with my vehicle 5 years ago the information on my report is incorrect in conclusion I would like this statement from my credit report to be removed 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 2019-12-23
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-02-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed this debt for over 2 years asking company to validate by showing court paperwork that an eviction was done or that money was owed to an apartment Complex ... they have not but threatened to garnish my wages and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was denied my XXXX XXXX final year from MyFedLoan numerous times before they finally approved it. Now I am trying to get the XXXX Loan Forgiveness for completing 5 years of service. MyFedLoan is telling me I do not have five complete years of XXXX  because my first year started in XXXX and they are looking at the current school year calendar that stats in XXXX. They are saying the first year only counts as half a year. My district counted it as a full year and has signed off on the paper work. No where in the rules and definitions for MyFedLoan does it contain a set of dates or a percentage of the school year that makes this time ineligible. I had to call and talk to them to find this information out. I am just not sure what the point of the authorizing signature is on the form if they are not going to go by their word or follow up with them. I am very frustrated with this company and know that if I wait until the end of this semester and resubmit the paper work ( which is the guidance they have given ), that there is going to be another excuse. I also no they are losing their contract so it will be someone new that may make things more difficult as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX & XX/XX/XXXX I used my Visa credit card to purchase {$10.00} in Illinois lottery tickets ( {$20.00} total ). On XX/XX/XXXX I reviewed my account purchase details and noted that I was charged a {$15.00} fee on each date I purchased lottery tickets as a cash advance fee ( {$30.00} total ). I contacted First National Bank of Omaha to inquire about the charges and was told by a Supervisor XXXX XXXX XXXX that lottery is considered gambling and therefore, it was a cash advance against my card on each occasion with a minimum fee of {$15.00}. 

I was unaware that Id be charged a cash advance fee albeit a fee greater than my purchase, but moreover the credit funds were never placed in my hands and were used to purchase non-refundable lottery tickets directly from the State of Illinois. The Supervisor would not reverse the charges. 

I feel this practice is discriminatory, unfair and an attempt to force the public to adhere to a moral mandate against a lawful retail purchase. 

Thank you 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 explanation
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Travel Rewards credit card that has been used for 4 years. Today ( XXXX XXXX ) I want to change this card into Customized Cash Rewards Credit Card, but the customer service does not agree, and told me that I must apply for a new one ( maybe they want customers to open more New account ), but I dont want to open a new account

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 2019-10-30
Company: Riverwalk Financial Corporation
State: MA
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:
This is an UNKNOWN account. I do not owe {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for this credit card around two years ago when I was at a job that was paying me more than my current job. I worked more hours at that job, but I had to quit because it affected my school performance for the worse. I got a better job afterwards that accommodated my lower hours, but of course, I'm paid much less. My previous job paid me at least {$160.00} every bi-weekly paycheck and my current job now pays me around {$80.00}. I struggled to pay minimum payments for a few months because I was going through a tough situation concerning my mental health so making a monthly payment had been a problem, so of course, the minimum payment increased. It is now {$75.00}. I've been looking for other jobs that would pay me more while still balancing my full-time position at school, but it's a struggle to have such a big blow to my money since I have to pay for food and parking at school as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received the attached email message this evening asserting that I have a past due amount ( see XXXX ). However, I have no amount that is currently due and have either paid the minimum amount due or in excess of such amount each month. Attached are my statements from the last three months, each prepared by the servicer after monthly payments were due, and a record prepared by the servicer of my payments for each month. The servicer failed to apply a payment I made on XXXX XXXX, XXXX ( see attached Discover Payment History and Discover XXXX XXXX, which states that I have a past due amount ). In addition, the servicer is demanding payment based on my XXXX statement ( attached ), despite that I made a payment on XXXX XXXX, XXXX without having a statement available at such time ( see Discover Payment History ; note : the XXXX statement was not created and uploaded into my account until XXXX XXXX, XXXX, after I complained to a supervisor named XXXX ). The servicer 's demand for payment on XXXX XXXX and this evening constitute a deceptive practice ( see 12 USC 5536 ( a ) ( 1 ) ( B ) ; see also Section 5 of the FTC Act for the definition of " deceptive '' ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return 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 non-monetary relief