BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
On XX/XX/ I made a written request to have PMI removed from my mortgage as required by the Homeowners Protection Act. On XX/XX/XXXX  I called Truist to check on the status of my request since there had been no update on my request. The customer service representative I spoke to told me a letter had been sent on XX/XX/XXXX  ( attached ). I did not receive this letter until XX/XX/XXXX. The representative read the letter and informed me that my request had been denied because my home was a second home and my loan to value ratio ( LTV ) needed to be less than what my current LTV was. She would or could not elaborate on why my home was considered a second home, which it is not. This caused a panicked response by me and I immediately called XXXX XXXX  and my homeowners insurance to figure out why this was being reported as a second home. Nobody I spoke to at XXXX XXXX or my insurance agency could see that this was a second home. I then called Truist again for more information. I was told by the second representative ( XXXX ) that I was not at the required 80 % LTV when I made my request and that I should make the request again. This was false information. I called a third time and spoke with a different representative over concerns that I would not be able to make the payment for a Brokers Price Option ( BPO ) in time since the letter dated XX/XX/XXXX said I had 30 days from the date of the letter to make the payment via check before I had to start the request over. I informed Truist that I did not have a checkbook and in no way would make their deadline after receiving their letter 10 days into the deadline. The truist representative said I could make the payment via my escrow account. On XX/XX/XXXX, I made my regular mortgage payment with an additional {$190.00} escrow payment for the BPO. I then called Truist to verify that this would be earmarked for the BPO payment. I was then told that this would not be accepted and that I needed to send a check. I have now been provided false information by Truist four times in regards to the PMI removal process.

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 2023-04-08
Company: TD BANK US HOLDING COMPANY
State: DE
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: Card was charged for something you did not purchase with the card

Complaint:
This is the third complaint against TD Bank which is systematically lying in its responses. Although their response of XX/XX/2023, fraudulently claimed that " no credit card claim found for XXXX XXXX transaction in question in the amount of {$280.00}, that particular charge was reflected on the credit card # XXXX on XX/XX/2023. Then there was another lie about our alleged failure to file a dispute. We have been disputing charges of XXXX XXXX. On XX/XX/2023, we called TD bank and talked to a person by name XXXX who transferred our call to a fraud department, and I talked to a person by name XXXX. In response to that dispute of illegal charges made by XXXX XXXX TD bank issued a new credit card. But when I started to use the old charges showed up. It was when I filed a second complaint because I felt cheated and abused. Moreover, I disputed charges in my written correspondence to TD Card Service in XXXX OH. On XX/XX/2023, I provided documentary evidence of XXXX XXXX  removing all their fraudulent charges to CFPB and TD Bank. But TD Bank continues to lie about the situation!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-03
Company: Delta Management Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Delta Management XXXX / XXXX XXXX How are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2023-04-18
Company: Experian Information Solutions Inc.
State: OH
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:
Provided Experian with the proper dispute letter showing that they were inaccuracies on my account and if it was showing inaccuracies, according to US code 1681 that they should remove this from my account, Experian has been reporting this negative account on my credit report for years showing inaccurate information company is using manipulative wording, and tactics to keep this on my credit report according to US code 1692I these practices are illegal, and since they have been reporting this on my report with these inaccuracies, this loan, this debt must be removed from my account the account number is XXXX this is now reporting as closed on my report instead of removed. Due to it being in accuracies on my other credit bureaus, it has been removed, but continues to stay on Experian.

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 2022-09-05
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please read the attached correspondence between XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX, a leasee, with my son, XXXX XXXX XXXX My son lived in apartment number XXXX for 2 years and we were never late with rent payments, even during COVID. My son moved out in XX/XX/XXXX. I and a hired maid, XXXX, cleaned the apartment thoroughly. Even though there was a lot of mold in the bathroom. See attached picture of mold. 
I never received a final bill from XXXX XXXX. The first contact I received was a letter from a Debt Collector, National Credit Audit Corporation dated XXXX XXXX. I contacted XXXX XXXX manager and informed I never received any notice of payment. She said she emailed me the notice. I checked my emails, Im a XXXX  so I receive alot emails, and no emails were received by XXXX XXXX. I asked what email was it sent to and it was XXXX instead of the correct email. 
Please review the correspondence between the debt collector and XXXX XXXX XXXX 
In XX/XX/XXXX, This account was sent to the credit bureaus as a Collection item in XX/XX/XXXX. It was reported even before I received notice from the Debt Collector. This is the only negative thing on my credit report. Why? Because I pay my bills. 

I will pay for repairs but I will not pay collection fees because the account should have never been spent to collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am on a repayment plan that requires me to renew my loan every 6 months. I began calling in XX/XX/XXXX to renew my rate reduction plan. I called a total of 3 times and each time was directed to call back later in the month, or the following month. The last time I called, which was in the beginning of XX/XX/2018, I was told I did not have a payment due in XX/XX/XXXX. I was told then to call back again in XX/XX/XXXX to renew my rate reduction plan. 

In the beginning of XX/XX/XXXX, I began receiving calls from Navient ( but they never left a message, so I didnt realize my loan was past due ). On Friday XX/XX/XXXX I logged on to the Navient website to download my tax form and saw that my loan was past due which didn't make any sense since I was told I didn't have a payment due in XX/XX/XXXX. 

I spoke to Navient today, and I was given two options : I could go into forbearance for the last payment, or I could pay the past due amount today. Since I live paycheck to paycheck due to my large amount of school loan payments, the previously allocated payment money went towards other expenses. 

I don't think I should have to pay extra capitalized interest on a mistake that was not mine. I made several attempts to keep my account in good standing and to renew my payment plan. I have not missed any payments or paid late in several years. I'm doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: CREDIT ACCEPTANCE CORPORATION
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: Information belongs to someone else

Complaint:
XXXX  is continuing to report an account Credit Acceptance Corporation in the amount of {$4800.00} that is a result of identity theft on to my credit file. I have informed XXXX  that this account needs to be deleted blocked and investigated but yet they have failed to do their due diligence on this above referenced account. I have also contacted Credit Acceptance Corporation and this company can not provide a signed application bearing my signature nor a contract stating that I have had any obligation with them. I have never dealt with Credit Acceptance so how in the heck can XXXX  be possibly verifying and validating anything when the company itself can't provide me with any information. They have not provided competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you or the original creditor. 

I will be forced to sue XXXX  and Credit Acceptance Corporation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3.  ) Violation of the Fair Credit Reporting Act if this is not removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Bank of America, NA has filed a lawsuit against me for a debt that I do not have or owe for card XXXX. I have made several attempts to resolve this. Including filing disputes with the company and the credit bureaus, but the company continues to assert that the debt belongs to me. The debt belongs to a different XXXX XXXX, but they have attached the debt to my profile and my social security number.

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 2018-02-20
Company: EQUIFAX, INC.
State: VA
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 have asked for debt validation on my credit report from Equifax. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Equifax never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 Section states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states consumer reporting can not furnish an account without my written instructions.

15 USC 1666B a credit may not treat a payment on a credit card account under an open-end consumer plan as late for any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account has never been my account this was a fraudulent account. My services were with my employer which was XXXX XXXX XXXX in which I was working in Texas at the time they state that debt was acquired XX/XX/2017- I was not living where they have XXXX XXXX. Because they don't have XXXX in XXXX, TX. When contacted for resolve phone just rang and rang. The agent was very rude and unhelpful in finding where the debt came from, tried to verify the information. None of it matched in her system not even the last 4 of the social.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Upstart Holdings, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I submitted my application and told i was pre approved. I uploaded my ID, paystubs and all information that was requested. I received an email saying that they were unable to verify my information. I called and asked what they were unable to verify and they would not tell me. I find this very misleading and very poor service. They should be able to tell me why they are having trouble verifying my information. I have good credit and waited 2 weeks for this and this loan company can not even tell me why my application was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I received an email from American Express inviting me to open a savings account and if I did open it I would receive a {$350.00} incentive if I opened my account with XXXX by XX/XX/2023. I opened the account and have kept the money even past the time that they required, which was 12 weeks and I still havent received any money and they keep fighting me on that. I have the email to prove it. They keep opening cases and giving me case numbers and escalating this problem and nobody wants to fix my problem. I have the email as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: GA
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:
Equifax did not take necessary security precautions resulting in my personal data being stolen, including my name, address, SSN and driver 's license number. They did not contact me, I had to learn about it in the news. According to reports, Equifax was aware of the stolen data for a month before making an announcement. Their offer to mitigate by monitoring my credit file falls way short of the problems they have created for me. In return for credit monitoring, they require me to give up my legal right to sue them for the damage they have done with their actions and inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Between XX/XX/XXXX and XX/XX/2023 I withdrew money from my XXXX account to huntington in increments of XXXX - XXXX in order to take advantage of a promotion huntington offered. The total amount transferred was XXXX. I was on vacation XX/XX/2023 in XXXX and tried to sign in to my huntington account online and was unable to so I contacted customer service. They said they would put a ticket in to have this fixed by the next day. then the next day it still didn't work so I called and discovered they closed my account without reason. They said I had to go to the bank in person or wait and they will send a check to my address. I had to wait until my vacation in XXXX was over to go to the bank. Just this Monday when I went they told me they sent out a check so they were unable to give me my money. I called customer service and they told me they didn't send my check and my account was under investigation and I could not get my money back. I asked when the investigation will be over and they gave me no time and said they didn't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Bank 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 2023-06-12
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: Old information reappears or never goes away

Complaint:
My credit takes too long to increase and for just ONE MISSING payment went down more than XXXX points, thats not fear, it tooks me more than a year grow my credit and in a day you put it over the ground. Completely UNFAIR. I understand that has to go down but not from XXXX to XXXX  for just one missing payment. I need more respect and see my payment history is excelent.

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 2020-12-03
Company: Chime Financial Inc
State: FL
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:
My name Is XXXX XXXX and I am a XXXX XXXX XXXX, I opened a account with Chime Bank and my pay would be deposited through XXXX pay to my account from the person I drove for ( XXXX XXXX ). On XX/XX/2020 I received my pay of XXXX dollars and XXXX XX/XX/2020 a withdraw of {$1000.00} dollars was put threw on my account. I never authorized anyone to with draw XXXX dollars from my account. I never sent XXXX dollars to ANYONE. I never purchased ANYTHING for XXXX dollars. I Reported the transaction to Chime Bank and went threw all their hoops TWICE! They closed my account and you can't call them unless you have a open account. You can only contact them threw email once your account is closed and they have denied that there was ever any wrong doing to my account and refuse to fix this. Last time I checked {$1000.00} dollars was Grand Theft but no one in that bank wants to help fix it and even worse we can't see my account history because they shut it off.. I will attach all email conversations with Chime Banks Support Department for you. After I have done a little research I have discovered I am NOT the first person CHIME BANK has done this to. Please help me in this matter, {$1000.00} doesn't seem like a lot of money but to me and my family at XXXX IT IS.

Company response to consumer: Closed with explanation