BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
On XX/XX/XXXX I logged into my SunTrust account and noticed a charge to XXXX for {$1300.00}. I immediately got in touch with XXXX and found out that someone hacked into my account, ordered an XXXX  computer and was having it shipped to Texas. I was able to get with XXXX and they were able to stop the order before it was sent to Texas. They emailed me saying that an unauthorized charge had occurred and that they have locked my account, deleted everything with the order and to disregard any order emails that may come through. They said my bankcard with Suntrust was charged {$1300.00}, and that I will need to dispute this with Suntrust. Once this is done they would then charge back the merchant. They said the refund would not come from XXXX. I'm attaching the email from XXXX that references this information, as well as another screen shot on XXXX. On the screen shot, if you type in the order number, it says " this was an unauthorized order and has been deleted from your account. We have sent you an email with the details ''. I disputed this charge on XX/XX/XXXX and I received an temporary credit while they investigated. A few weeks later I received a letter saying my dispute was denied and I will be charged the {$1300.00} in two days. No proof was give, but they said I can request documentation. I immediately contracted Suntrust bank and let them know. They said I would have to fill out a rebuttal form, which took them two days to email to me. I immediately filled it out and faxed with the emails from XXXX and the screen shot I'm attaching. I spoke with Supervisior at Suntrust and she noted everything on my file and said it should be cleared up quickly and that I also wanted proof of the denial. I have never received anything from them except headaches and wasted time on the phone. I told the Supervisor that I would give them until Monday XXXX of XXXX to either apply another temporary credit while they investigate or provide proof of the denial. Otherwise I would be filing a compliant. I gave them two extra days and with no response from them, so I wish to file a compliant against them. Please let me know if you need anything else from me. 

Sincerely, 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 2020-09-04
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We mail our check to BBVA for our mortgage. We made the mistake of writing the correct amount of our payment in the numeric box but accidentally did not write in long form the correct amount. We were contacted my bbva and we immediately send a check for the difference. We were then contacted later saying the account is past due. The rep checked i to the payment and saw it was applied to principle. The rep stated they would fix it and we also gave them a check by phone for the difference since it had not been received. About a week later we were called saying the account is past due. We explained the concern and the rep said they see everything and to disregard the call And that they would send a letter saying it is taken care of. Now today I received a call saying my account is 34 days past due and again they ate trying to collect from me. I asked to speak with a supervisor and none were available. This company obviously is mishandling money and hurting my credit bu doing so. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: ONEMAIN FINANCE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
One Main Financial continues to furnish credit inquiries on credit file from XX/XX/ 2018. Company stated inquiry would be removed. Company failed to comply to FCRA Guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: Credit Control, LLC
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:
I received a letter dated XX/XX/2020 from Credit Control , LLC trying to collect a debt from XXXX XXXX in the amount of {$8800.00}. On XX/XX/2020 I sent a dispute letter by certified mail to Credit Control , LLC informing them that the debt was not valid and asking for proof that I actually owe it. Credit Control , LLC received this letter on XX/XX/XXXX. On XX/XX/2020 I received my monthly credit report and saw that the debit in question was placed on my report which brought my credit score down 60 points. That same day, I contacted Credit Control , LLC to ask them to remove the fraudulent collection from my credit report. I informed them that I mailed my dispute within the allotted 30 days and that they can not place the collection on my report without proof that the debt is valid. They stated that they were told by XXXX XXXX to place it on my credit report and they they had to wait to get the proof of the debt before they would remove it, which is the opposite of how this process works. The representatives from Credit Control , LLC did not seem to understand the basic rules of credit reporting, and that their actions were illegal when they placed the collection on my report BEFORE receiving proof that it was valid.

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 2021-06-15
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: Personal information incorrect

Complaint:
A letter for personal information correction was sent out to XXXX, Equifax, and XXXX  on my behalf for incorrect personal information reported on my credit report. A letter with my correct Name, Address, workplace, and state-issued ID was sent out on XX/XX/2021. XXXX  replied on XX/XX/2021 but failed to correct my personal information in completion. Equifax and XXXX  failed to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i opened a coinbase Acct to buy cryptocurrency bitcoins i invested XXXX i was able to access my Acct until XX/XX/2019 after that peroid i was unable to access my Acct.COINBASE their customer service is worthless. I have been trying for 9 months to get into my Acct with no success. They just send Auto computerized responses by email with no solutions. I WANT TO GET ACCESS TO MY ACCT AND GET MY MONEY BACK.PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.

2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For EXPERIAN 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For 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 2023-06-17
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter Finance has not applied my most recent payment to my account. 

I made a payment on XX/XX/2023 for {$230.00} to get my account current. I then made a second payment on XX/XX/2023 of {$62.00} for the late fees. 

Currently as it stands the payment of {$230.00} has been applied to the past due balance. But the payment of XXXX shows it was processed but it was never applied to my late fees and shows it was applied to interest. This amount also does not reflect the reduced amount on my next payment due on XXXX XXXX. Which is causing me to show a payment due for XX/XX/XXXX of XXXX which include the late fees. 

Therefore the amount of {$62.00} has disappeared and has not been reflected on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following accounts fail to VALIDATE. After several attempts throughout the year with disputes, there is no documentation nor there is a VALIDATION. The accounts are as followed : XXXX-Fail to respond to validation letter. 
XXXX XXXX XXXX. - ( XXXX XXXX  ) Fail to respond to validation letter. 
XXXX XXXX XXXX. - ( XXXX XXXX ) Fail to respond to validation letter. 
XXXX XXXX XXXX- ( XXXX XXXX XXXX ) Fail to respond to validation letter Also bureau fail to remove unknown credit inquiry XXXX XXXX XX/XX/2020 XX/XX/2020

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 2020-12-01
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
For several months Regions Bank has charged me fees for paying overdrafts on charges they rejected and charged an NSF fee on. Each fee is {$36.00}, so I'm being hit with a {$72.00} fee for everything they return. It's costing me hundreds.

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 2022-04-29
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was no notification from Nationwide to collect debt and they posted a derogatory medical collection remark on my credit report in XXXX. 

Additionally, I have not provided my social security number to any company since the past 4 years. 

The collection is in violation of Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: CT
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 lived in my home for almost 11 yrs. My husband got XXXX  and XXXX XXXX  from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to XXXX XXXX XXXX. I had no choice my loan was just transferred. I had multiples debts with my spouse being sick over 2 1/2 years and tried to work with XXXX to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and XXXX puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with XXXX that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 lived in my home for almost 11 yrs. My husband got sick and passed away from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to XXXX loan servicing. I had no choice my loan was just transferred. I had multiples debts with my spouse being sick over 2 1/2 years and tried to work with XXXX to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and XXXX puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with XXXX that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.

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 2020-09-04
Company: Support Collectors, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 I sent Summit AR a letter, which is attached. In the letter on page 4 I clearly state that I am represented by an attorney who's contact information I provided. The letter was sent to them via Fax and Certified Mail. Summit AR must've not read my entire letter because they responded to me directly instead of my attorney. This is a violation of the FDCPA 1692 c ( B ) With anyone except consumer, consumers attorney, or credit bureau concerning the debt and 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive. I am requesting that summit AR cease an desist their disregard for the law right away and contact my attorney right away to resolve this matter. No lawsuits have been filed YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Utah System of Higher Education
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my school loans were paid and closed in XXXX because of my XXXX. The loans from XXXX XXXX XXXX, XXXX and UHEAA show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: KLS Financial Services, Inc
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today, XX/XX/2020, I received a credit alert from XXXX  regarding KLS Financial XXXX XXXX XXXX XXXX, NC XXXX, placed an account in collections as derogatory. I DO NOT have an account with these people and never have, I havent been to North Carolina in 25 years. They falsely claimed a debt belongs to me and am insisting that I pay it or else. I did NOT give this company my social security number. I did NOT sign anything. They found it from someplace and am using unfair and fraudulent practice to collect on this debt. I spoke to Mrs XXXX and XXXX XXXX who are insistent on reporting this debt as mines unless I pay. They are messing around with my credit and social security as well. According to XXXX  today XX/XX/2020, Someone called to dispute my charge yesterday on XX/XX/2020, however, I didnt find out until this morning, leaving me to believe they are playing around with my social security number that I did not give them. They must have looked it up. They should not be allowed to place an account in collections if they can not prove the account belongs to that person.

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 2023-01-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi CFPB, XXXX bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference

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 2020-12-01
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please DON'T CANCEL THIS REQUEST AS DUPLICATE. 
GM FINANCIAL has re-reported incorrect information about my auto loan. Although previously disputed after CFPB reporting the company fail to maintain the correction of my dispute results which were to remove the XXXX late reporting for XXXX and XXXX both deferred payments. XXXX XXXX and XXXX were to be removed u see Cares Act and documents were sent to company and bureau to correct and both failed even with documents clearly stating THIS. I need CFPB to push the required law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My complaint # is XXXX. The following is an update. 
I received a Computer Reply to the Complaint. Once again the have not responded to my question. They are dunning me for {$230.00}. I have agreed to pay that amount provided they verify that I made the purchases in this amount including to whom requested. Thus far they have not answered my question which leaves me to believe the charges are False I am XXXX yeas old and would hope you will help me. 
By the way, Capitol One has reported me to the Credit Agencies.

Company response to consumer: Closed with explanation