BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The IRS said they sent my child tax credit payment on XX/XX/XXXX yet XXXX havent received it. This is the second time Suntrust has interfered with my deposits. Last time they claim they didnt see my tax refund but the IRS sent me a letter saying Suntrust blocked it. The IRS ended up having to send me a check and will probably have to again. Please give me a real explanation about why than happened and no fake excuses.

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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, TransUnion, and XXXX  are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.

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 2021-03-25
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contactedXX/XX/XXXXon numerous occasions after I received a letter in late XX/XX/XXXX stating that I have a XX/XX/XXXX court date. I was notified that there will be an investigation of the Fraud Alert that XXXX XXXX rejected me twice. They stated that it was a false claim. The false claim is false. I just received a phone call from a young lady by the name of XXXX from Blitt & Gaines today at XXXXXX/XX/XXXXCT. XXXX stated that I communicated with XXXX XXXX & Blitt & Gaines back in XX/XX/XXXX. She said that I called for a hardship so that I wouldnt get my wages garnished. And she also said that I said I had hardship during Covid. Both claims are incorrect so I am waiting for a phone call from the investigation of that phone call where I allegedly said that I was affected by COVID-19 & needed a hardship. At the beginning of XXXX, I received paperwork and appeared to court on that paperwork date. The judge, on the XXXX court call, told me that there was nothing that I needed to do not & that basically Blitt and Gaines filed something to keep the case going. Im just highly confused because now Im being told that I asked for a hardship. The account is not mine. I asked for further fair investigation. And when I asked her to send me the statement that showed the {$2500.00} credit limit being exceed it to over {$3000.00}, and resulting in {$3500.00} with {$.00} balance. Upon asking, she told me there was an address of XXXX XXXX XXXX in XXXX, IL. Ive never resided at XXXX XXXX XXXX and Illinois Postal Service can back that claim. If I need to submit this, I would do so. I submitted a claim back in late XX/XX/XXXX on this platform. I was told that this account was pending investigation by Blitt and Gaines but instead, Wage Garnishment was the pushed objective from the company. The only other option discussed was 24-36 months of voluntary payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX, and Experian are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.

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 2018-04-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX we mobile deposited a refund check from XXXX XXXX to wellsfargo for XXXX. 
We inadvertently mobile deposited the same check to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX returned the check as already cashed. Then on XX/XX/XXXX wellsfargo removed the amount from our account. The check shows cleared by wells fargo from the issuer XXXX XXXX. The money was not returned to the XXXX XXXX and the only response from wells fargo after numerous calls and two claims is they did the right thing by removing the money from our account and accused us of committing fraud. We are unable to get an answer as to what they did with the removed money and did not return the check to the issuer. The only response we get from them is that the check was cashed at another bank. which it was not it was returned as already cashed. They refused to trace the check. The issuer still shows it clearing wells fargo.

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 monetary relief
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX when my loans became due from Navient they wanted me to pay {$1400.00} a month and with my income there was no way I could afford that. I asked them to extend the amount of years for repayment and they said no, instead they gave me a Rate Reduction Program for 15 months and reduced my interest rate and made my payment much lower. I still struggled as I was paying out {$1100.00} a month in student loan payments. I received an email in XX/XX/XXXX stating my Rate Reduction Program was soon coming to an end and if I wanted to extend it to fill out financial paperwork and request the extension. I filled out the paperwork and I called in XX/XX/XXXX to extend the program and they said I couldn't do anything until the Rate Reduction Program actually ended. I was told I had to wait until XX/XX/XXXX when my new billing cycle came out. When I received my new bill for XX/XX/XXXX after the Rate Reduction Program ended I also noticed they increased my interest rates to a much higher rate then when I got the loans. I called Navient on XX/XX/XXXX and inquired about extending my Rate Reduction Program. I was told I did not qualify because I do not have a bad mark on my credit report and because my credit is good I don't show financial hardship. I told them if they look at my income and the amount they want me to pay monthly on top of the other student loans I pay I do show financial hardship. Their only answer is for me to find another company to refinance my loans through. There isn't a company out there that will give me {$140000.00} loan based on my income. It makes no sense to me that they would want to ruin my credit ( after I have faithfully paid my payments in the program I was in ) before helping me. My defaulting on these loans doesn't help anyone. My circumstances last year were no different from this year and I qualified for the Rate Reduction Program. There has to be a better system for Navient to work with people who want to pay back their high balance loans but can not afford the ridiculous monthly payment they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Nelnet, 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:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TD BANK US HOLDING COMPANY
State: TN
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:
TD Auto Finance is reporting a late payment to my XXXX  credit report for the month and year of XX/XX/2020. 
TD Auto Finance is reporting a late payment to my XXXX  credit report for the month and year of XX/XX/2020. 
This is inaccurate reporting. I've never made 1 payment late.

How can XXXX  and XXXX  report two completely different late payments both reporting as accurate when in-fact it is not? TD Auto Finance has yet to prove that I've ever made any late payments. Simply stating that I have previously made a late payment is not good enough. I NEED PROOF! I've already proven that TD Auto Finance is reporting inaccurate information to XXXX  and XXXX now I would like for the payments to be corrected to NEVER LATE. XXXX and XXXX  are reporting different months and the errors are clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, 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:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate remarks that these companies added in 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 non-monetary relief
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 wrote the three credit bureaus, XXXX XXXX and TransUnion on DATE. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2022-08-05
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX and Im one of the many victims of the XXXX XXXX XXXX scam. On XX/XX/XXXX XXXX was selling a sofa-bed on the XXXX. A prospective buyer messaged me requesting to pay using XXXX. I wasnt familiar with this form of payment, but I remembered that I had seen it on my PNC app. The fact that XXXX was offered on my bank app gave me a false sense of security that brought my guard down. The buyer asked for my email address to send the payment. I received a fake email appearing to be from XXXX XXXX XXXX the buyer had paid using XXXX business account and that I must upgrade to the business account too. The buyer then contacted me directly claiming that he received the same email from XXXX and, to make things easy, he sent me money to cover the purchase and the upgrading fee. Then the scammer asked to be reimbursed for the upgrading fee. And this went on with XXXX transactions ( claiming problems with the XXXX system ) with a total loss of {$1700.00} ( {$200.00} + {$500.00} + {$1000.00} ), almost all the money I had in my PNC account. I reported the scam immediately, within minutes, to PNC. After 10 days from filing the dispute, PNC sent me a letter of denial, stating that the XXXX transactions were not fraudulent because I had authorized them, even though I had been tricked into doing so. I believe that since XXXX is embedded in the PNC app, PNC should feel in part responsible for these scams. If I had to download XXXX and create an account myself, I would have probably had the time to think about what I was doing and get suspicious. Also, banks get away with denying these claims because federal Regulation E requires banks to cover only unauthorized transactions and these scams trick people into making the transfers themselves. I believe that since I was duped into making these transactions, they should be considered unauthorized. 
Thank you for listening to me. Please, let me know what I can do to make this right. Any suggestion will be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I voluntarily gave a vehicle back to santander consumer USA inc. on XX/XX/2016. Ever since then they call every week even though they will not accept a settlement amount. I have asked for documentation of where the car was sold to confirm the remaining balance, and they have refused to send that to me. I need documentation for my records to ensure that the amount remaining is in fact the correct amount. I have tried to work out payments, but they want a ridiculous amount that is over the amount we tried to settle for in the past. This situation is hindering me financially. I made the decision to send the car back, due to the interest it was collecting and not being able to ever pay the car balance down any in the 3 years I had the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank abruptly ( and without notice ) closed all my credit card accounts and confiscated more than 700k rewards points that I have accumulated from legitimate spends on the accounts for many years. I had been a customer for many years with no negative/late payment history and I have not done anything that is not legal nor abusing the system.

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 2018-12-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
For over a year I been I contact with XXXX XXXX  customer service train to resolve the residual payment for my insurance company from hurricane Maria 2016 and I have resolved any thing every time I call they give me a different history, the home repair all ready pass the inspection 100 percent and they dont want to give me the XXXX, please I will like to ask you for help. My loan number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX phone XXXX XXXX XXXX phone XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two consolidated loans with Navient. In XX/XX/2020, my payments will increase. In anticipation of this, I have made multiple requests, both online and over the phone, to allocate my payments so that I can pay down the smaller of my two loans. I got a bonus in XXXX and made a {$2600.00} payment on the smaller loans. And yet, Navient 's system keeps distributing my loans contrary to my wishes, no matter how many times I request or what hoops I jump through, I keep getting the runaround. I find this practice unfair, deceptive, and potentially abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: SYNCHRONY FINANCIAL
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2018 I spoke with a representative as well as his supervisor regarding repeated denials by Paypal 's computer to allow me any transactions envolving my PayPal credit account. The explanation given was that I was being denied by their computer for security reasons. When I asked why. I was told they had no way of knowing and there was nothing they or I could do. I had undergone numerous security checks and identity challenges with nothing but positive reports.

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 2018-04-25
Company: EQUIFAX, INC.
State: AR
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:
Equifax Credit reporting agency has violated the Fair Credit Reporting Act by failing to respond within the thirty day time frame with 100 % debt validation accuracy. Equifax was unable to provide proof that they verified the debt ( s ) and continues to list them on my credit report. The Collection agencies have failed to provide any original documentation, in addition have failed to respond to my dispute. Equifax received certified letters on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. Tracking numbers # XXXX & # XXXX USPS tracking service. Equifax also has been notified through Fax and certified mail with police reports, affidavits, and notarized letters that these accounts where established without my consent and knowledge due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I took a pay cut a few years ago I was forced to file for bankruptcy XX/XX/XXXX as of XX/XX/XXXX Santander consumer offered to defer my monthly payments on my vehicle for six months XX/XX/XXXX my bankruptcy finally cleared the same month that my last deferred loan payment on my vehicle was to go through and found out that because of the bankruptcy I was denied for deferred loan and required to pay the back fees from XX/XX/XXXX to XX/XX/XXXX. Even though I agreed to keep my vehicle after bankruptcy Santander consumer took me to court anyway. I talked to Santander consumer about the {$3000.00} of back fees in hopes to get the payments down and I was promised that every time I make payments I would be given 30 days in which was a lie and my vehicle was repossessed on XX/XX/XXXX after throwing numerous of payments to bring the balance down to {$1400.00} in the past few weeks they still took my vehicle and will no longer take payments and they now want {$2000.00} in order for me to get my vehicle back in which I do not have the funds to do so but right away. Especially being I work out of town

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
State: AL
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 information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation