BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I attempted to create an account with Truist on XXXX XXXX XXXX I received an email with an application ID of XXXX. I paid {$50.00} using a debit card to deposit funds. The email stated here are your new account details. 


Upon trying to make an account through the app and website, I was told that the account was closed and that it could not be opened. I have not been refunded for the {$50.00} after the account has been closed. 

On XX/XX/XXXX, I received a letter in the mail stating the account statement with an account number XXXX. The account was charged {$12.00} for the monthly maintenance fee even though the account was supposed to be closed. 

On XX/XX/, I contacted Truist and was told they can not close the account. I was instructed to go into the branch and I went into the local branch and was told to call Truist and get in touch with their fraud department. Again, I could not get ahold of anyone who could close the 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 2021-02-01
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I contacted the bank and they agreed to remove the account from my file. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE this account that caused me so much trauma. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Applied Data Finance, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with Personify Financial XXXX, 2017 in the amount of {$3900.00} not realizing the interest rate was 98.22 %. the pay back would be {$12000.00}. I was in desperate need of a loan. I feel I was taken advantage of. Personify Financial is nothing short loan sharks. I thought there were laws against this and consumer protection against loan companies charging such ridiculously high fees. I paid them approximately {$7000.00} then started to realize the balance was not going down. I tried to contact the company to see if this could be looked at but nothing was done. I contact the better business bureau and logged a complaint. I would have even been willing to settle at a lower and fair amount taking into consideration what I had paid already. Paying back {$12000.00} on a {$3900.00} loan is terrible business practice. The Dodd-Frank Wall Street Reform act states the lenders must engage in fair lending practices. I feel that this company is not engaging in fair business practices and they are taking advantage of consumers. I would like my case investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I ve been victim of identity theft and I have tried to alert the companies of my issue as well as the bureaus of credit and no one is giving me an answer I have submitted letters to the bureaus stating that I dont recognize this inquiries but they are still in my report

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 2021-12-16
Company: JPMORGAN CHASE & CO.
State: OH
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 recieved a letter from JPMorgan Chase Bank, N.A., XXXX XXXX XXXX, XXXX, DE XXXX dated XX/XX/XXXX that said " We received an application for a new XXXX XXXX XXXX XXXX XXXX account with your name and Social Security number on it. We need to verify that the application is yours. Please call us to confirm your application .... '' I did not make that application. On XX/XX/XXXX I called the number in the letter to say I did not make that application. I was transferred to the Fraud Department and a recording said my wait was over XXXX minutes. I literally waited for XXXX minutes and finally hung up. I called back today ( XX/XX/XXXX ) and kept getting transferred. The verification team said an application was opened with my name, social security number and address, but they could not close out the application and transferred me to the fraud department. After another XXXX minute wait, the fraud department said they couldn't close it and I had to talk to the the verification department. Then I was transferred to customer service and waited. Then I was told I had to speak to the Fraud Department. Then I asked to speak to a supervisor who said I should have been transferred to the customer protection unit. When I was transferred there, a person named XXXX said I should not have been transferred there and that he could not do anything, only the fraud department could handle it. I literally spent hours and hours on the phone, but have not been able to verify that the application was closed or there was any kind of fraud alert put on it. It was a horrible experience getting transferred by people who continually said they had no authority to do anything and I had to speak to another department. It was completely unreasonable and unrealistic to protect people from identify theft. There appears to be something weird going on with this company too because most of the time you get transferred ( even if its a different day ) an automated message says that your wait time is over XXXX minutes, and it is! All together you will literally spend hours trying to get satisfaction to no avail. Are there that many people with problems? Are they all victims of identify theft involving this company? Also why do so many representatives give you information and then another representative says its incorrect and you never resolve the problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper has withheld information that allows me to sell my property. They have demonstrated predatory practices and should be held accountable to the fullest extent of the law. On XX/XX/21, I requested a loan payoff to proceed with closing on that day. I was told Mr. Cooper recently acquired my loan, and they have no information for a least a week. I called for weeks, after several calls ; it was over a month before Mr. Cooper provided a payoff in midXXXX. 

I request full reimbursement for the daily interest accrued and any fees associated with the delay caused by Mr.Cooper. This company and its representatives have intentionally delayed providing the requested documents. This practice is unfair. They need to be held responsible for the unnecessary cost and stress they inflict on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I sent a letter last month, XX/XX/2023, to be exact, it's a dispute letter but It's been over 30 days already and I still haven't got any update in any form coming from your company and I am in a bit of a hurry right now. I am aware that the FCRA is requiring the CRA 's response within 30 days and I learn on XXXX that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX 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. 
15 U.S.C 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-04-23
Company: EQUIFAX, 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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identitytheft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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 office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( XXXX, XXXX and Equifax ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove XXXX. XXXX : Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX  : Account number : XXXX, In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 monetary relief
Consumer complaint received 2021-05-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo has allowed XXXX XXXX to harass me and my son along with XXXX XXXX. They would give good car loan deals with their friends. But she doesn't want me to have anything. This is the type of employees they have working for them. XXXX has stalked me had her renters follow me around and stalk me I don't know if they are employees at wells fargo. But I do have dash cams in my car along with house cams that record everything on my property and my door bell camera to show the police when I leave they leave. XXXX XXXX keeps falsely accusing me of harassing her, while I was at the back around XX/XX/2015. I didn't run into her the whole week I was at the XXXX XXXX branch in XXXX XXXX. But I know now this was all a set up for them to have me arrested at the bank because how come I never saw her at the bank the 1st day. This was why my online account was compromised because I was being set up by wells fargo and XXXX XXXX to get rid of me as a customer. This was down right criminal what XXXX XXXX, and the other employees who ever was involved with her to do this against me. This was a low down dirty thing to do someone. Wells fargo chose to go along with her that makes them just as responsible for my pain and suffering. I just couldn't believe this was happening to me a neighbor who is a manager at a bank, using their position to get the police against me. I wasn't treated fairly. I don't feel my life should be ruined. Wells fargo should be aware what type of employees they have working for them and what they are doing to their customers. Wells fargo feels the same way they didn't want me as their customer anymore. But it wasn't until XXXX XXXX falsely accused me of harassing her while I was at the bank. They refused to settle for the pain and suffering and mental anguish XXXX XXXX has caused me and my son. Then for her to have her renters follow me harassing me is a new low for XXXX XXXX. I feel betrayed by wells fargo for what they did to me. I never wanted to have a checking account with them in the first place. But I was forced by one of their employees at the XXXX wells fargo in XXXX XXXX al. XXXX XXXX who then made fun of my sons facial features. XXXX XXXX wasn't fair to me at all he didn't investigate XXXX XXXX accusations against me he rushed to to judgement and refused to listen to my side of the story like wells fargo didn't. I never harassed 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 2022-01-17
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been disputing the late payments showing on my account for Consumer ADJ which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying {$280.00} every month but the interest rate is way too high. I asked Naivent to low it but they refused. My student loan was about {$23000.00} and I have been making payment since 2013. Today my balance is ~ {$16000.00} that means they have been charging high interest because I have made more than 49 payments that 's more than {$14000.00}. My balance should at lease {$10000.00}. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: VA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief