BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid my Truist car loan payment XX/XX/XXXX, which was due on XX/XX/XXXX. 

After looking at my account Truist says there is " no activity '' on my account. I have a reference number sent to my on XX/XX/XXXX stating my confirmation number and details of payment. ( Confirmation Number : XXXX ) Payment Date : XX/XX/XXXX Payment Method : Personal Checking Bill Name : XXXX XXXX Loan Account Number : XXXX Amount Paid : {$780.00} Apply To : Regular Total Payment Amount : {$780.00} Truist Response in a Chat was : I understand your concerns regarding your loan payment and I apologize that we were unable to meet your expectations in servicing your banking needs. Please know that our goal is to provide superior client service by understanding our clients ' needs. Therefore, I have taken the liberty of logging a formal complaint on your behalf regarding this matter. Your comments will allow us to evaluate our current policies and make modifications as needed. We appreciate you bringing this matter to our attention. 

Their website shows no indication that a payment was made or in progress. They do not appropriately make it clear that a payments was made or in progress causing great concern to consumers who may think the payment did not go through and will make another payment without knowing the payment was made. 

Truist ( formerly BB & T ) refuses to make the necessary changes to their site, and also there is no product that indicates a consumer can inquire to a Auto Loan or a number to contact them for just an Auto Loan, only a personal loan, mortgage loan, credit cards etc... 

I believe their website and information regarding loan accounts is misleading ( UDAAP ), and could cause misapplied or overpayment on their loans. This will cause Credit Reporting issues and it appears there are some EFTA violations due to their misrepresentation of the outstanding balances due.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 AND PURSUANT TO THE FEDERAL CREDIT REPORTING ACT 15 USC 1681 SECTION 602 ( H ) - I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ) ( 2 ) - A CONSUMER REPORTING AGENCY MAY NOT FURNISH MY INFORMATION WITHOUT WRITTEN CONSENT. 
15 U.S.C. 1681 ( B ) PERMISSIBLE PERMISSION TO USE INVOLVING A CREDIT TRANSACTION IN ACCORDANCE TO THE CONSUMER BY WRITTEN CONSENT XXXX, XXXX, AND TRANSUNION HAVE VIOLATED MY RIGHTS BY FURNISHING THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXXXXXX XXXX {$220.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS RESOURCE XXXX XXXX CLOSED XXXX LATE PAYMENT XXXX XXXX$0.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS XXXX XXXX$0.00} CLOSED 4 POTENTIALLY NEGATIVE MONTHS XXXX {$0.00} CLOSED RESOURCE XXXX XXXX - XXXX XXXX XXXX XXXX XXXX According to XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Association ( XXXX XXXX 2007 XXXX XXXX XXXX XXXX it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under US 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Account got hacked by XXXX XXXX  everytime they sent me a new capital one card XXXX XXXX  was able to update the card information and still able to charge my card everytime they tried to block XXXX XXXX  but failed had no other option but to close my account even though i didnt want too. Capital one wouldnt allow me to reopen the account or take it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Experian Information Solutions 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:
I have mailed 4 different letters to all 3 credit bureaus asking for validation of a collection account ( XXXX XXXX XXXX  ) that is reporting on my credit that I have no idea what it is. I have yet to receive a response showing proper validation that it is my account and it's not removed. This account isn't mine yet they won't remove it.

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 2021-03-09
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: Public record information inaccurate

Complaint:
Well I have numerous accounts with almost all the credit score companys and I have a three scores from all three companys but for some reason when someone does a credit check on me the credit score that they have which always disqualifies me is because the number is way inaccurate and I'm talking real bad like today expirian shows me that I have a XXXX credit score but I just received an email from a loan company stating that my credit score with expirian is XXXX. Now thats a huge difference and like I said I believe that it's not doing anything but making my credit look more worse then it already is. So who's in the wrong or who has the wrong information and can this be 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 explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: LA
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 Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! 1. XXXX  XXXX XXXX  XXXX  2. XXXX XXXX XXXX  XXXX XXXX 3. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The ATM at Wells Fargo Bank is accepting deposits and provides a receipt for the deposit. The next day the bank makes an adjustment to my account removing the deposit. When calling, you get transferred from one department to the other. over 1 hour on the phone, only to be told to wait 2-10 days for a copy of the returned check. This has happened to me 2 times once for {$280.00} and this time for {$720.00} on XX/XX/2022. I received a letter today XXXX showing : " While processing the transaction a system error occurred resulting in us recording a deposit of {$0.00}. As a result, we deducted the {$720.00} from your account. WE MAY REACH OUT TO YOU IF ADDITIONAL ASSISTANCE IS NEEDED TO RECOVER THIS TRANSACTION ''. My complaint is that Wells Fargo is taking customer money with no accountability.

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 2022-08-15
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a fraudulent charge on my account for {$470.00}. I reported this as fraud to Wells Fargo. I received a letter today ( claim # : XXXX ) that Wells Fargo found that because a PIN number was used, the transaction to have been made by me or someone I authorized.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX, Account # : XXXXXXXX XXXX, Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX, XXXX, Account # : XXXX XXXX & XXXX XXXX XXXX, Account # : 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 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 2017-06-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They called using my correct name. But the debt they called about was a very old one. The Statute of limitations has long passed. Also, the amount owed they spoke of, is way off! By more than {$12000.00}! I called the Attorney General and the FTC. I was told, " THIS IS A SCAM. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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  : 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX I went inside my nearby Chase Bank to cash some savings bonds. I went to the bank and was told i would receive XXXX $ in true amount they had matured into. On XX/XX/XXXXXX/XX/XXXX the DAY BEFORE XX/XX/XXXX WITHOUT WARNING OR PERMISSION took out XXXX XXXX After almost a month they just decided to take money out of my account and said it was an error on their part but offered no apology and said it was authorized. It wasnt. I was planning on using that money for rent and my basic needs and because of a mistake they made they were just allowed to take the money out?!?? They didnt even tell me or ask me but just did it right before the holidays. It ruined my XXXX!!! They take out overdraft fees as fast as they can when I make a mistake and wont give it back but when the bank makes one they can TAKE EVERY CENT FROM MY BANK ACCOUNT. 
Whats worse is that since they out my account in negative, an app of mine out money in to stop an overdraft fee but now I owe another company money because of what Chase did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Please CFPB, send attached documents to XXXX XXXX and Equifax credit bureau. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: CORELOGIC INC
State: TX
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:
While reviewing a recent copy of my [   XXXX    ]  credit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  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 2022-08-15
Company: Experian Information Solutions Inc.
State: LA
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 the listed accounts has violated my rights. 
XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX  XXXX XXXX number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number : XXXX 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. 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 explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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:
In response to Experian 's Request and complaint ID I have attached the documents as requested. 
Experian Itemized Violations Invoice and XXXX, the Consumers " Actual Damages '' in response to the violations at hand. It is clear and concise how I have opted out of a credit authorization however due to the willful and intentional negligence of the agents at FAIRWAY INDEPENDENT MORTGAGE COMPANY, I have endured multiple injuries causing an overall downfall in my right to receive goods for my personal use ( Regulation Z ). It is their duty and performance to make accurate decisions especially in consumer credit transactions.

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 2019-01-11
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted BMW Financial Services about the late reporting on my credit report. The representative was nice, he let me know that the late is going to removed if I wrote in a letter explaining my situation and he did let me know that i do have the assistance on my file. He said he was going to help me. I ' am a disaster victim and I had the disaster assistance on my account. I had the late reporting with BMW on XX/XX/2018. After the investigation was over BMW Financial Services did nothing for me I called spoke to a supervisor her name was XXXX, She said they wont do anything, because they don't care about the circumstances that I was in. This is extremely upsetting and I'm very disappointed of the out come .I had to do what was safe for my family and evacuate from the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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 rewards from credit card

Complaint:
My Capital One credit card had a Rewards Balance of {$130.00}. This credit card has been in use over 2 years - long term customer. Each month a credit card statement is mailed to my po box XXXX and then a check payment is mailed into Capital One, paid in full. Standard procedure. So I called to redeem my Rewards Balance, electing their option to receive a cash back check in the mail. Suddenly my po box is not a good mailing address to mail the cash back Rewards Check, and they don't believe I am who I say I am ( apparently a fraudulent good samaritan is retrieving my mail and paying my bill each month ). Capital One wants me to email them a copy of my drivers license, which I do not trust for identity theft purposes, as this puts me more at risk. But surprise, surprise, they are able to process an account credit instead, no problem- i.e. Capital One is " steering '' consumers to only doing an account credit. This is my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 my landlord initiated a money transfer to refund my security deposit in the amount of {$3800.00}. From BoA to XXXX. By mistake I provided incorrect ( last four digits in the wrong order ) account number. As a result the funds went to a wrong person in my bank. The sender made a request with BoA to resolve it and after almost 30 days of investigation Bank of America declined the claim without even contacting my bank. I made number of claims with my bank ( XXXX ) and every time I was told that in order to resolve it, BoA must contact XXXX and request a recall. In this case XXXX will follow a guideline to resolve it. It seems like this is the only way, but for some reason BoA wouldn't contact XXXX. I attached the letter from XXXX where they say that BoA must send a recall request to XXXX. Mistakes happen, but there should be a way to resolve this, to help your customers.

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 2021-07-12
Company: LTD Financial Services, L.P.
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: Their investigation did not fix an error on your report

Complaint:
Back in XXXX reached out to company showing up on my 3 credit reports they could not verify any personal info about me such as social or I.D or any Wet Signature Contract with my signature or name I requested several times and still no proof to validate this account belong to me also the credit reporting XXXX, XXXX  or XXXX  could not provide any proof after asking several times to show me proof according to my rights. No Contract with any information or any Contract with my signature showing Validation of the account. 

I have attached the info that was sent to me as you can see my name is no where, there's No Signature, No Contract with my dob, social or any info regarding me. 

XXXX_ 2nd complaint with LTD Financial Services XXXX XXXX XXXX  can not verify or show proof that this account belongs to me. Please Delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting that I owe {$3500.00} to Citibank. I called Citibank, who I never had an account with and tried to find out what was going on. Citibank checked their system using my SSN and verified that I have never had any accounts or credit cards with them, and that I don't owe them anything. Citibank said that they can not send me anything proving this information because I do not have an account with them. I tried writing a letter to Citibank as they requested, and there telling me that the letters have not been received. I called XXXX to figure out what I needed to do, and they told me to contact you. Please Help.

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 2022-08-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Erroneous credit score from all three credit bureaus, impacting ability to obtain credit, etc.

Company response to consumer: Closed with explanation