BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our Country is facing challenges times and therefore the Consumer financial Protection should step up to the plate and enforce certain provisions that help consumers retain their homes. It is why you exist ( Consumer Financial protection Bureau ), without consumer complaints this organization would be non existent, please take this complaint seriously. 

On XX/XX/2020, BB & T received our request for a loan modification. Pursuant to Federal Rules, upon receipt of financial package servicer 's are to comply with the Federal rules and provide borrower 's notices of acknowledgment within 5 ( five business days ), of receipt. As of today XX/XX/2020, we have not receive any acknowledgment from the servicer. The servicer believes that the Federal Rules do not apply to them. No one is above the law, in fact the Supreme Court recently made this very clear In : District of New  York  v Donald J Trump, ruling. BB & T is NOT ABOVE THE LAW. BB & T must provide the following 1 ) acknowledgment letter 2 ) Notice of process and or missing additional information 3 ) outcome of the request whether is approved or denial 4 ) in the event of denial provide information where to mail appeal. BB & T must comply with the RULES!. Consumer Financial do not just stand here, do your job!.

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 2023-05-15
Company: Experian Information Solutions Inc.
State: NJ
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-06-27
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I brought items through XXXX from under my SunTrust account and never received it. Come to find out the person who was selling me the items was fraud. He deleted his site and now the phone number I have is cut off. I called my bank because I used XXXX through them once so I felt as if it was safe and I was protected especially since I used it through my bank app. My transaction has the person name and all that I sent it to so im not understanding why they cant dispute it. It was a transaction for XXXX dollars and another for XXXX dollars that's too much money for me to just throw away like that. This transaction was made on XX/XX/19

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 2018-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I paid my credit card off in full. {$1400.00} which brought my card to a XXXX balance. I hadnt used the card in over a month. Then suddenly on XX/XX/XXXX Capitol one charges me {$22.00} for an interest fee. No other purchases were made!! Interest on WHAT? A XXXX dollar balance? How can you charge someone interest on XXXX DOLLARS? So I paid them and canceled the card. This is a total scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25
Company: Great American Finance Co
State: MI
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:
Great American finance was opened on XX/XX/XXXX, and closed in XXXX. They are reporting late payments for XXXX and XX/XX/XXXX. It says on my credit report that the account is open. Which is false information. This account has been closed for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I do not believe that an investigation was done because Equifax is still reporting a collection account for XXXX XXXX and I have not received anything validating this account. I have tried to get this updated months ago and have had no response. The balance that is reporting on my report is not the same amount that I have with the original creditor, so I am confused as to where they are getting this information. Equifax is also in violation of HIPAA because this is sensitive medical information. No other credit bureau is reporting this inaccurate account. Please delete this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Uptain Group, Inc.
State: MS
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:
On XX/XX/2020, I contacted Uptain Group to resolve an outstanding balance under {$60.00}. XXXX maintained a professional tone, but when I asked if Uptain Group reports unpaid collections to the credit bureau, her response was " This account hasn't been reported at this time. '' I then asked again if their company reports to the credit bureau. After asking the third time, she said they do not report. Her initial response was beyond false and misleading by answering " This account hasn't been reported at this time. '' The statement left much room for speculation that the account would/could be reported at some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: KY
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 had got a car from XXXX XXXX XXXX and the company that handles the loan is XXXX, firstly the interest rate given on the car was outrageously high and I didnt know was Illegal at the time but I do now, secondly the lot refused to fix things going wrong with the car that in writing they were responsible for fixing so I turned the car in and told them theyre not holding up there end of the commitment so Im giving them the car back. XXXX has been hitting and reporting incorrect information ever since, they wrote the debt off as a bad debt/ charge off as new many times. It was originally written off as a bad debt in XXXX of XXXX, and that I Voluntarily surrendered it in XXXX of XXXX which doesnt even make sense, they also refused to let my return the car and make payment or do a settlement and just instantly wrote it off as a bad debt, since then it has hit my credit negatively multiple times ever since, I called this XXXX of XXXX to see if we could do a settlement on the account and they agreed to it, I paid {$1200.00} to reconcile the debt, they then put it on my credit as a new charge off didnt add any remarks as to it being settled and paid and now its stating I have to wait another 6 years for it to come off of my credit report, I made the XXXX payment in XXXX of XXXX and it states it was written off again as a new bad debt which isnt accurate and to do so they changed my previous payment history to match their story and cause me and my credit more harm. XXXX has hit my credit and cause me unnecessary harm to be malicious which is against the law. Also XXXX is a fraudulent company their corporate number is a disconnected number that doesnt work and also if you try and call their main office it goes straight to voice mail. The only working number is to make payments and they have refused to help me. I have reported this to all of the the credit bureaus, Experian, XXXX and XXXX but of course XXXX is reporting FALSE information back to them so my credit keeps getting hit over and over again from disputes which is also not allowed. Im currently a loan originator so I now have knowledge of all the federal laws that are be broken on this matter.

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 2020-07-15
Company: HANCOCK WHITNEY BANK
State: SC
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:
I had an account with Midsouth Bank that I opened in XXXX. When the bank announced it was being purchased by XXXX XXXX I immediately closed my account to switch financial institutions. I went, in person, to Midsouth ( before the transition to HW ) to close the account. I had {$80.00} worth of pending charges left on the account so I left {$100.00} in the account to ensure it would be enough for all remaining transactions. Midsouth called me within two days to confirm that I had closed my account completely ( I do not have a way to confirm this as it was well over a year and a half ago ). My account was closed and I have not thought about it sense. On XX/XX/XXXX at XXXX EST I received a collection call on behalf of Hancock Whitney. The caller stated that I owed " an amount over {$200.00} '' but she was unsure of the exact amount. I immediately called Hancock Whitney and the three different people I talked to all gave me  different amounts of money that I owed to close an account with them. An account I never had with a bank I have never done any work with. I was told that my information had been carried over from my closed Midsouth account and that Hancock Whitney never went through the steps to make sure it was closed. They opened an account for me and allowed fraudulent purchases on this new account. On XX/XX/XXXX of XXXX ( A full year after I closed my account ) a purchase was made in my name. They could not give me the exact amount, nor could they tell me where the money was spent. They could only tell me that I had {$210.00} in late fees from Hancock Whitney and that the amount of the purchase would be added to that amount. I checked my credit score and this is not on my credit report ( XXXX XXXX ), but I am  afraid it will be soon. This bank has committed fraud by opening an account in my name without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: Upgrade, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have tried to work with the Upgrade to get back the {$200.00} that I reported to them that was taken from my account when the withdrawal did not even occur. I reported an ATM withdrawal error and have not received a refund. I would hope they could resolve this and get the funds back to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
Please Note : I received a message an account already existed for me, but this is the first time I used my new email to file a complaint with CFPB ; more proof of Identity Theft! 

On or around XX/XX/XXXX I was denied credit because of fraud & /or identity theft getting reported by XXXX lowering my credit score. 

I lived in XXXX, XXXX for over a year so it is impossible that the information is accurate, especially because all my imported USA property was stolen abroad & upon my repwiatriation in XXXX. 

This is blatant retaliation discrimination ( as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, notice the date this occurred was XXXXXXXX XXXX XXXX  & the TX XXXX  is getting XXXX  most from XXXX  which even XXXX XXXX legally are protesting have it end & President Biden is discussing it with the President of XXXX ) which I have attempted to dispute with all my credit bureaus in the past directly and that is more trouble than it is worth ( waste of time & money ), so I'm filing a complaint with your organization. 

Comenity Bank used my XXXX credit report to justify denying me continuance of credit with my Victoria 's Secret Credit Card. 

The following information was given as reasons, but all of it is inaccurate : " Lack of real estate secured loan information Balances on accounts too high compared to credit limits and loan amounts Too few accounts paid as agreed Not enough balance paid down on installment accounts '' Concisely, to prove the inaccuracy of this information I do not have a house nor any loans in my name at this time that would effect my credit ( the student loans I have are deferred or deferrable ). 

My Victoria 's Secret credit card is the only account I had & I paid it off as agreed & had a {$700.00} limit with a XXXX balance. I filed a separate complaint on Comenity Bank. 

Additionally, all my USA property that I imported to XXXX, XXXX where I had lived from XX/XX/XXXX, well over a year was stolen and all my luggage when I repatriated XX/XX/XXXX, further proving identity theft & fraud/online scammers. I know the loans weren't done in person because none of the loans would have been approved & the irony is if I had applied I would have been denied, therefore, I don't know how the loans & credit was issued. 

I would sue those responsible, but they never give me their names & this complaint is to stop their use of my credit which I didn't utilize abroad in XXXX nor have I upon my repatriation, except to continue using my VS credit card that prior I had to report as stolen. 

In closing all of the XXXX listed loans & credit cards adversely effecting my credit score belong to someone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX XXXX I was notified that a collection was put on my credit report from a company i don't know. i have never been contacted by phone. letter. or in person by this company. there is no amount stated. I want this removed from my credit report it is doing me great harm,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Tile loan was paid off XX/XX/XXXX and I have not received title for trailer. 
When contacted they stated they did not have title. 
DMV contacted and stated Lendmark was lien holder on title and has not released lien. 
Lendmark contacted again stated they did not have title that XXXX never sent it back in XXXX. 

I just want title for vehicle that has been aid off since XX/XX/XXXX it is now XX/XX/XXXX. 
Unable to sale due to no title and lien holder still on title. 
Lost income due to financial institute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/2023, I received results of my dispute saying it was updated. I see no changes in the update that I received. Im denying this update because there was a failure to verify the dispute correctly. I see on my credit report that these accounts were run as charged off. I never received the 1099-C Cancellation of Debt forms. Therefore, under consumer law 15 USC 1681e ( b ) these accounts are inaccurately reported and Im requesting that these accounts be removed from my credit, all 3 bureaus, 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 2019-08-27
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please note, I did have owe Macys charge card a balance of {$310.00}. It went into default. They sold it to collections. A company called XXXX XXXX  called me to collect the debt. I paid it in full. I was told it would be removed from my credit report if I paid in full. It was never removed. 

On my credit report it shows balance updated on XX/XX/XXXX. Opened in XX/XX/XXXX. Charged off on XX/XX/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 2020-07-15
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 PayPal - negative {$4600.00} XX/XX/2020 Transfer P PayPal - negative {$4600.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4600.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4600.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX : We entered into a refinance for our primary home with XXXX with Mr. XXXX XXXX after a great sales pitch. Mr. XXXX promised to close the refinance in 45 to 60 days. We have done a refinance previously on our home so we understood the process and documentation needed. 

XXXX : 60 days passed with no processed loan. The lender charged us {$750.00} in pre-paids, {$150.00} in application fees, and {$600.00} in appraisal fees. We requested updates weekly but the loan processor and the mortgage broker provided no details or status of our refinance. Every few weeks the loan processor would sporadically request new documents and we would respond quickly. 

XXXX : We received an email from the Mortgage Rep stating that he was leaving the company because he did not receive sufficient support for processing the loans he was originating. We asked to get our prepaids back because it was close to 90 days since the process started, but he did not respond. 

XXXX : We then reached out to another person ( XXXX XXXX ) that we were working with at XXXX to get our prepaids back and to terminate the loan. XXXX included 2 more people, Mr. XXXX XXXX & Mr. XXXX XXXX, who requested that we terminate our loan in writing without confirming whether they would refund get our prepaids. We confirmed termination of the loan on XX/XX/2021, almost 115 days since the process started. Upon receiving the Notice of Adverse Action on XX/XX/2021, we were told that they would not refund our prepaids. 

We were extremely frustrated with 1 ) the lack of transparency of the status of our refinance 2 ) no progress after over 90 days and 3 ) no refund of our prepaids after terminating. We wasted time and money with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am writing to request the removal of a debt from my credit report in accordance with consumer protection laws. The complaint I filed under reference number # XXXX has taken more than 30 days to be resolved, which I believe entitles me to have the debt removed from my credit report. 

As you may be aware, the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate and respond to disputes within 30 days of receiving them. In my case, I filed a complaint with your agency more than 30 days ago and have not received a response or resolution to my complaint. 

I understand that the CPFB has the authority to enforce the FCRA and ensure that consumer reporting agencies comply with its provisions. I am therefore requesting that you take action to have the debt removed from my credit report, as I believe that the creditor has not provided sufficient evidence to justify its inclusion. 

I appreciate your attention to this matter and look forward to hearing from you soon.

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