BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Truist is currently advertising an offer on both XXXX and XXXX for a {$400.00} bonus when a new customer opens a new checking account. Looking at the fine print of the offer it very clearly states The offer is only valid to customers who have had a direct communication from Truist. A XXXX or XXXX ad is NOT a direct communication and therefore anyone who opens a new account through this advertisement would automatically be disqualified from the account opening bonus. I have reached out to Truist with my concerns via XXXX comment, XXXX message and XXXX message. I only had one response which stated that I could look at the fine print on the website to determine my eligibility. This seems like an attempt to intentionally avoid addressing the point I have raised and the whole advertisement appears to be an attempt to mislead customers into opening a new account and then withholding the advertised bonus. 

Here is a link to the ad on XXXX ( I will also attach a screenshot ) XXXX XXXX XXXXXXXX? XXXX Here is a link to their offer site which shows the fine print. 
XXXX XXXX XXXXXXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: In progress
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wellsfargo froze my account and now is closing it. It all started on Friday XX/XX/XXXX when I made a mobile check deposit. I got a message that there was a hold but then they said it wasn't a payable item so I went to the bank with the physical check and they still weren't able to help me. I get paid via XXXX  that you print at home and I have been getting paid like this for years without a problem. The bank associate actually understood but still wasn't able to resolve the issue even after escalating it with the fraud department on the phone. This was today XX/XX/XXXX. This is obviously a huge inconvenience but also harmful because now I have been reject by XXXX  and XXXX XXXX XXXX when I tried to open a checking account with them. Thankfully I had another debit account with another bank and was able to reroute future payments ( I also get paid via direct deposit from my part time job ) but this is gon na cause a delay on future payments I have to make since it is the end of the month. My account balance is negative thanks to this and there is nothing I can do because my accounts with Wellsfargo are frozen, both debit and savings. 
I definitely should be compensated for this but I would say never use Wellsfargo, just take your money elsewhere

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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 belongs to someone else

Complaint:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, what's even worst, the account is reported twice 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 explanation
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX  ( Original Creditor : XXXX ) XXXX, what's even worst, the account is reported twice 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 explanation
Consumer complaint received 2022-02-20
Company: Grant Mercantile Agency
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, GRANT MERCANTILE AGENCY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, XXXX, invoice, and XXXX are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-06-08
Company: Caliber Home Loans, 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: Public record information inaccurate

Complaint:
There are three XXXX XXXX filings on my credit report that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CAVALRY INVESTMENTS, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Calvary Portfolio a validation letter asking to present all of the Original Account/Loan-Level Documentation ( OALD ), verified under oath and penalty of perjury by the opposite original transacting party in accord with the provisions set forth at 15 U.S.C. 1692g ( a ). I received a response on XX/XX/2022 without the requested documentation. 

At no time did I provided a non affiliated third party such as Calvary express authorization to utilize my personal identifying information, I also never gave prior consent to the debt collector to communicate with myself in connection with any debt. 
I feel that they are in violation if the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: GOLDMAN SACHS BANK USA
State: WA
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:
I initiated a dispute on XX/XX/2020 in the amount of {$500.00} from the merchant XXXX. Its been over 2 billing cycles since the dispute has been acknowledged and I havent gotten any update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry from XXXX in XX/XX/2019 which I never applied. 

XXXX claimed it was a XXXX XXXX error. My account never existed

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received an email stating that i am eligible for wellsfargo current lawsuit of XXXX which was result of wrong charges charged to customer and i am eligible for a refund but when i contacted the bank they said they cant do anything. Can someone please help me.

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 2020-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wells fargo unlawfully withdrew {$13000.00} plus a {$120.00} processing fee from my savings account on XX/XX/XXXX for an alleged debt that I had no knowledge of without giving me any type of notice until after the funds had been unlawfully withdrawn. The bank acted on hearsay. I wrote to them and got a response in XX/XX/XXXX they sent me A fake order to withhold that was not signed from a judge XXXX XXXX deputy. Wells Fargo and the company that the alleged debt came from are in violation of the consumer fraud act. I am not their consumer/customer nor do I ever wish to be provided with their services. This is fraud in the highest form!

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2020-01-11
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Nevada XXXX XXXX XXXX the dates I attended the college was XX/XX/XXXX until XX/XX/XXXX I received my XXXX XXXX of Applied XXXX on XXXX XXXX XXXX filled for bankruptcy I continued to educate my self I then entered and secondary program wich was the business program from XXXX XXXX until XXXX XXXX there was no eddtional degree sent to my self on my transcripts it stated and XXXX XXXX of Applied XXXX in XXXX wich I never received.However I was over charged for the XXXX program the cost was additional XXXX I was charged XXXX for the program the business program was and total of XXXX I was charge XXXX instead. this has casused me to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XXXX XXXX has entered vaguely described erroneous charges on my lease upon termination after I have turned in the vehicle at the end of the lease period. They have violated the lease contract in three distinct ways. I have both called and written to them pointing out the error, disputed these charges, and asked for a clarification of the charges. They failed to note that the account was disputed and have reported my account as delinquent without giving any response to my inquiry. 

They have sent demand letters from different locations, each time with different contact information. They have threatened to turn the account over for collection without ever contacting me to discuss the charges or explain exactly why they are charging me. 

The car was leased in my wife 's name, but since we turned in the car she has passed away. She did sign our dispute letter that was sent to the company soon after these charges were billed, and before her death. The company has made no attempt to resolve or even discuss our dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The first dispute was mailed XX/XX/2023 and the second was mailed XX/XX/2023. We are in the month of XX/XX/2023 and still no response from reporting agencies. I have rights as a consumer and demanding a resolution.

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 2019-05-04
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kent hollins law office has threatened via call to try to pursue a debt against me that isnt even in my name. I have informed them many times that that is not my name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have made multiple attempts to obtain information from Ocwen Loan Servicing, llc, the Servicer of Deed of Trust # XXXX XXXX recorded in XXXX XXXX XXXX Recorder 's office regarding a purported foreclosure sale of " property '' to satisfy an obligation secured. OCWEN LOAN SERVICING, LLC has evaded the specific question. 

QUESTION : WHAT is the name of the holder of the promissory note secured by the Deed of Trust # XXXX XXXX that OCWEN paid ( after the foreclosure held XX/XX/2015 ) to satisfy the obligation OCWEN claimed existed in a Notice of Default document recorded in XXXX XXXX XXXX Recorder 's Office ( See Attachment document identified as " Notice of Default ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told a gentle man who called on XX/XX/XXXX that I retained an attorney for bankruptcy, and tried to give him the name and phone number. he became abusive, saying he did not want that information he was trying to collect a debt from me not any attorney, I tried to repeat my attorney info and he just kept speaking over me and I hung up. 
Today XX/XX/XXXX female called me stating she was the branch manager from tower loan in XXXX, IL, I told her that a already told s gentleman yesterday that you need to speak to my attorney, she just began going into the reasons why I took the loan, was abusive and rude and once again refused to take my attorney information.

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 2019-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
I 'm working to clean up my credit report. I use XXXX XXXX to track it. Both XXXX and Transunion list the same debt ( {$420.00} originally owed to NXXXX XXXX XXXX XXXX ). 

But, the same debt is being collected by two collection agencies : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX I would be happy to pay one or the other to clear up my record. 

Please help. 

Thank you.

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 2022-12-16
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I reached out to Destiny over XXXX  month ago by telephone to let them know I have received their phone calls and I was unable to pay them XXXX in minimum payment because I have other debt obligations and my work hours were reduced due to XXXX. The representative told me they didn't have a program they could offer me. Because I haven't been able to pay all the late fees, interest, and minimum payment they are asking for, the card is seriously over the limit. I am reaching out to CFPB because I haven't been able to obtain appropriate help on my own to help resolve my debt. I would like to know if you are able to modify the payment for a few months to help me get back on track. I receive calls and texts but they refused to help me with an affordable repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraud alert removal

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 2019-09-27
Company: BB&T CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/19 - XXXX XXXX ( XXXX XXXX ) called my job regarding my outstanding balance. I do not dispute I owe, but due to illness and financial hardship, I do not have the funds. I was advised I had to make 2 payments by XX/XX/XXXX back on XX/XX/XXXX. They have called me 3-5 times per day every day except Sunday. No matter what you try to set up, they call. I have begged them to help by reducing my interest rate, they will not. They did put some of my late payments to the end of the loan. 

My illness is triggered by stress and this has been very stressful. I told them before when they called my job that I can not have personal calls at work. My job does not allow us to accept calls from anyone other than our customers. Today, they called and actually spoke to someone who is on the management staff. This can jeopardize my employment. I need help getting Regional Acceptance to not call my place of employment. I have requested this before, I have requested it in writing. I did not provide any work phone numbers, but they still called my work this morning. 

I have a meeting on Tuesday regarding this incident. My job is very strict about their personal call policy.

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