BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
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 refinanced my rental property loan with Truist Bank. I already have XXXX loans investment and personal property loans with them. 

When I refinanced, at that time, they were BB & T, and the first mortgage payment was due in XX/XX/XXXX, by mistake, I put XX/XX/XXXX in the auto payment option. 
When I knew my payment did not go, I immediately paid the balance, and now you can see that I have regular monthly mortgage payments. 

I never defaulted on my mortgage payments, If you check my other loan payments, you will see no delayed payment. 

This company should remove/clear the delayed payment from my records as I have paid the balance and I have been paying the monthly payments. 

It was a human error that caused the payment delays.

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 2023-08-30
Company: Bright Capital Inc
State: KS
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Charged upfront or unexpected fees

Complaint:
I was looking for companies to consolidate my debts. And I was just looking for companies online and I wanted to see what the company bright did so I put it on my information and I just assumed that when I link my credit cards up that's when they would charge me to consolidate my debt well about a month later they end up taking {$99.00} out of my account. I've contacted them about XXXX times and sent numerous emails and they keep sending me the same email over and over and over again and at the time I was so frustrated I had canceled my account or deleted my account I'm sorry and when I figured out that when they when you asked for a refund they put it in your stash I re-downloaded the I put my account back in and now it's saying it didn't take any funds from me and I just want my money back I tried to call them they're not answering I've emailed and emailed and emailed I've contacted them on chat and I'm getting nowhere with them so I guess I'm going to have to come raise a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital one has frozen my 2 credit card accounts over the last 30 days ( XX/XX/2019 ) requesting documents about the authorized users on my account and requesting documents about myself. 

They claim they must verify that the Authorized Users are " real '' people and that I actually know these people. They claim that they must also verify my identity and make sure I allowed these people onto my account as authorized users. 

I've provided all the documentation they've requested ( copy of ss card and ID ) for each Authorized User. I've also included my own ss card, ID, bank statements, and phone bill, to prove my identity and current mailing address, yet they refuse to release my account. 

They claim that the copies I've provided of social security cards and driver 's licenses are not good enough ( when indeed they are perfectly legible ). They said they do not want copies, scanned, or faxed versions, they want picture / text message versions of these sensitive documents, which I feel is a security risk. 

I asked if I can provide additional documentation such as passports, w-2 's, or any other supporting documentation to prove their identity. They said no, they will not accept any other documents and they will not accept any other format ( copies, faxes, scanned ). 

They said if I can not provide the documents in the exact format they request they will send my account to inactive status which I feel could potentially hurt my scores and hurt my ability to get credit and financing as I am currently looking to purchase a home. 

I receive their calls while at work and this has pulled me away from being able to work due to the time it's taken to go out of my way to fulfill their unreasonable requests. 

This has caused stress, taken me away from work, and has caused me to be afraid for my high credit scores to drop and hurt my ability to purchase a home. 

I currently use these cards for business and having these accounts frozen has also hurt my ability to continue running my business efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX : A notice of errors was submitted via XXXX since SPS mentioned that we can not apply for a short sale because of the auction date. 

XX/XX/XXXX : Select Portfolio Servicing said we can not be reviewed for a short sale since we have an upcoming auction date on XXXX however we met the 37-day guidelines and had over 60 days from this date. 

XX/XX/XXXX : Docs have been received- they are unsure if a short sale is an option- under review - will call back on Thursday. 

XX/XX/XXXX : Adjournment done. New sale date its XXXX. Lets resubmit Emailed and Faxed the following to SPS THIRD PARTY AUTHORIZATION REQUEST FOR MORTGAGE ASSISTANCE BORROWERS FINANCIALS REALTOR LISTING AGREEMENT BUYERS PURCHASE AGREEMENT BUYERS MEMBER DOCS BUYERS PROOF OF FUNDS HUD1 / SETTLEMENT STATEMENT XX/XX/XXXX : The auction date adjourned to XX/XX/XXXX XX/XX/XXXX : Hired attorney to adjourn sale date. 
XX/XX/XXXX : Called SPS This file has a scheduled foreclosure sale date of XX/XX/XXXX. 
SPS will not review for a short sale because of the upcoming foreclosure sale date. 

XX/XX/XXXX : Emailed and Faxed the following to SPS THIRD-PARTY AUTHORIZATION REQUEST FOR MORTGAGE ASSISTANCE BORROWERS FINANCIALS REALTOR LISTING AGREEMENT BUYERS PURCHASE AGREEMENT BUYERS MEMBER DOCS BUYERS PROOF OF FUNDS HUD1 / SETTLEMENT STATEMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
CFPB + Experian, I am writing in to have my address corrected on my Experian credit report and all other incorrect addresses removed. 

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have this updated as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
It 's been recently reported that equifax was hacked and personal information leaked. Through their provided site it shows that I am impacted by this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: TX
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute for fees charged to my credit card for a dog training service that was not provided by merchant. Several employees fired or quit to avoid paying back the charge. Attempted to contacted owner and trainer for company with negative success. Chase resolved dispute and did not credit back the amount for the scamed fees. On XX/XX/20 and XX/XX/20. 2 charges made by XXXX XXXX XXXX in the amount of XXXX each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: DISCOVER BANK
State: MI
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:
In XX/XX/2023, I applied for a Discover credit card. Discover verified all my personal Information which was confirmed by my credit reports and Discover approved me for a {$2000.00} line of credit. Here is were it gets very interesting : Less than 2 months later, on XX/XX/2023 Discover closed my account, I received a letter which is attached to this complaint stating : " As a result of a recent review we have closed the account above : '' We have taken this action because we were unable to verify personal information on your account ... '' If Discover verified my personal information previously what other information could they possibly be referring to? This seems to be a security issue for me which is impossible to address unless Discover provides the specific " PERSONAL INFORMATION '' they were unable to verify months after they seemed to have verified it. I am requesting the Exact/specific Personal Information Discover claims they could NOT verify so that I may take the proper steps to protect myself. If Discover can not provide that information it is clear they closed my account for other reasons that very well may be discriminating. At which time I will file a civil suit and we can go through the discover process. Further, by closing my account and reporting this account as " Closed by credit grantor '' has a NEGATIVE impact on my credit report causing me harm for the next 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: U.S. BANCORP
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022 I received an invite to apply for a US Bank Smartly Checking account and earn a {$500.00} bonus by completing the qualified activities consisting of setting up two or more direct deposits in the amount of {$6000.00} over a 60 day period as well as manually entering the specified promo code in the offer. I completed all the qualified activities ( terms and submission in the attachments ) and waited well past the stated/promised bonus date ( 60 days after direct deposit is verified ) but the bonus never posted. I called customer service at XXXXXXXX XXXX on XX/XX/XXXX and spoke to a representative who indicted I had met all the terms in the promotion and would create a ticket for my bonus to be escalated and posted with a call back within 2 business days. 

I did not receive a call back so I called again on XX/XX/XXXX at XXXX XXXX. Representative informed me that the ticket was never created and bonus could not be awarded. Representative indicated that it appeared that I met the criteria for the bonus but if I wanted to launch an investigation he would need to file an additional ticket that required me to give my full social security number over the phone which I did not feel comfortable doing.

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 2019-07-20
Company: STATE FARM BANK, FSB
State: IL
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:
On XXXX XXXX XXXX XXXX XX/XX/XXXX University XXXX XXXX, KY XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX did a unauthorized Inquiry to my credit report. the address of XXXX XXXX XXXX XXXX XXXX, Il. XXXX I have contacted XXXX fraud department, and called each company and this has not resolved anything, I've sent them letters as well.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Since XXXX of 2023 I have sent out a 4 different sets of letters to the credit bureaus disputing late payments that are on my report. For some reason they are ignoring my disputes. I have asked for proof of late payment with a bank statement showing that I was ever late and they have not provided any information to prove I had any late payments. I attached the last letter I sent to the Credit B. Law clearly states that transactions should not be included on my credit report. 15 US code 1681a title definitions Rules of construction paragraph 2 of this title is titled exclusions of sub paragraph A Subsection I states that transactions are not included in the consumer report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-05
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX # XXXX and 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 : 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 2017-09-09
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:
My information, and my wife 's information, was reported by Equifax as part of a massive data breach in XXXX-XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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:
Today, X/X/2017, I found out that there was a security breach at Equifax. Equifax setup an application to check if anyone was impacted by submitting their last name and last 6 digits of SSN. I found that I may have been impacted while my wife was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received Fed Direct Loans when I was at XXXX XXXX University and at University of XXXX - XXXX XXXX. The Fed Direct Loans would be eligible for Public Service Loan Forgiveness Program, which I have been participating in for over 10 years, working for XXXX XXXX  and a XXXX XXXX. 
After graduation, Navient ( then Sallie Mae ) solicited me for loan consolidation. They actively solicited on campus, email, and direct mail marketing to me and other young recent graduates. They never advised, told, asked for permission, or gave me any information about re-categorizing my loan so as to make it in-eligible for Public Service Loan Forgiveness. I made over 10 years ' worth of on-time payments to my loans while working in public service. I submitted the annual check-in form to document my  employment status. Navient / Sallie Mae never advised, informed, asked for consent, or gave any other information that they were treating my loan consolidation as ineligible for the program. It was only after 10 years of payments that they tried to tell me that my loan is not an eligible type. I have my original loan document showing that all of my loans were Fed Direct Loans that should qualify. Navient / Sallie Mae changed the category of my loan without my knowledge, consent, or information, and therefore made my loans ineligible for the program. This is not right and an abuse of their position. Thank you. I am not the only borrower with this complaint. It appears to be a systematic practice of deception and misinformation by this company to abuse and take advantage of young college graduates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, 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:
I am in the process of obtaining a VA Home Loan. 
Loan application pulled credit Reports from XXXX XXXX, Equifax The Equifax report and credit score were blank. No Credit history was displayed. 

I called Equifax on XXXX to find out if there was a credit freeze. Was informed NO, that is not the problem. There is no information on my credit file. Person on the phone said that none of my personal answers matched the information they had on file. 

XXXX ID : XXXX informed me to send photocopies of Driver License and Social Security Card to Fax XXXX Include cover letter with name, address phone # and reason for sending fax. It would take 5-7 days. 
I sent fax on XXXX XXXX XXXX Called on XXXX to inquire if my credit file was fixed. Equifax rep told me yes, we will send you a copy in the mail. I accessed my file on-line and it is still blank. 

Called again on XXXX. Was informed by Equifax representative XXXX ID : XXXX, that there is no record of my faxed information. I should have put Attention Dispute Department on my Cover letter. I should send the fax again. 

I am getting the runaround trying to obtain my credit file from Equifax. This is holding up my VA Home Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Netspend Corporation
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX and I am writing to complain about NetSpend unfair treatment. 


XXXX XX/XX/2022 my NetSpend card was stolen and someone used my card and took over {$6.00} from my NetSpend. 

On that same XX/XX/2022, a debit of {$1.00} was done on my card which wasn't by me On the same XX/XX/2022, another debit of {$800.00} was charged to my card which I didn't approve. 

On XX/XX/2022, a debit of XXXX was charged to my debit card without my consent. 

On XX/XX/2022, a debit of {$28.00} was charged to my card without my authorization On XX/XX/2022, a debit of {$1.00} was charged to my debit card without my consent All these making a total of {$830.00} unauthorized debit from my debit card. 

I have complained to NetSpend about this and they filed a dispute, but they have not given me provisional credit. 

One XXXX XXXX who said she works with office of president reached out to me and told me they are still investigating. 

Up till now there is no update and my funds have not been given to me and NetSpend has ruled the case in favor of the thief who stole my card

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