BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
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 customer service

Complaint:
On XX/XX/XXXX I made a payment on my credit card of {$1100.00} to pay off the balance on my credit card. On XX/XX/XXXX another payment was withdrawn from my checking account for that same amount showing a second payment of {$1100.00}. When I noticed the error I called Union Bank about a double payment made on the credit card. I requested the extra payment of {$1100.00} be deposited to my checking account, also held with Union Bank, from which the payment was made. Instead, the customer service representative insisted it was too late to reverse the payment to my checking account and a check must be mailed. A check was never received at either of the two addresses provided and it is now XX/XX/XXXX. I have made a series of at least three phone calls to Union Bank and I keep getting nowhere. Union Bank representatives keep resending the checks, but I have never received any of the checks allegedly sent. I again suggested the amount simply be directly deposited into my checking account, which is also with Union Bank, but Union Bank refuses to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted the reporting credit agency that lendmark is reporting a repeating charge off for more than 180 days. 

They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. 

Which has continue to update for since past the 180 day charge off statute The balance was still showing it shouldnt have due to it being charged off. 

XXXX showed my last payment as XXXX XXXX 2018 TransUnion and XXXX showed last payment as XXXX 2018 A high credit amount was shown on XXXX as {$4500.00} While TransUnion and XXXX showed high credit as {$4700.00} Date last active on all 3 XXXX, TransUnion, XXXX are all showing 3 different dates. 


Due to the inaccurate reporting I asked for this account to be deleted. 

It has impacted my credit due to the length of inaccurate report provided to the agencies. 


Has violated my rights with fair credit reporting act. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.

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 2018-12-18
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: Their investigation did not fix an error on your report

Complaint:
Again I come to you, because the agencies are not help me with this even after I applied all my documents and reports. Please review this information again. over the last two years I have been fighting the banks and credit agencies for fraud information on my account. I am still fight them on these issue. Here attached is a copy of my original report. The accounts are charged off and sold to credit collection agencies now. 

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since XXXX. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all three credit reporting agency and alert was placed on all my credit reports with all 3 agencies. I complained to each lender and as of this day I file this report back in XXXX until this day I have gotten any resolution and all those accounts are still open in my name and are chargeoff on my credit which is very damaging at this point after 30 years in the military and coming up on retirement now. There was never a resolution to this matter. None of the company can provide me with any evidence that I ever signed for anything with my original signature. I have my military location an time these report and credit was established. I have disputed with creditors and the bureau 's take this information down. I submitted the attachment back in XXXX to your board and nothing ever happen at the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a loan with SunTrust Bank, they merged with BB & T into a bank called Truist. I have been unable to make any arrangements for payment, get questions answered about the account, or had any response from my requests by them. 

Their customer service representatives are not friendly, do not help and put you on hold for very long periods of time. The business appears to respond to complaints with XXXX with a form letter and don't address the issues directly. https : 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 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I entered into a HELOC with XXXX XXXX XXXX. XXXX  XXXX XXXX is no longer exists. This HELOC was sold to XXXXXXXX XXXX XXXX, then to XXXX, and it ended up with Bank of America. On XX/XX/XXXX, I received a letter from Bank of America stating that Bank of America had approved my Home Equity account for participation in a principal forgiveness program offered as a result of the Department of Justice and State Attorneys General national settlement with major mortgage servicers, including Bank of America, N.A. I was given a full forgiveness of the remaining principal of {$32000.00} on my Home Equity Line of Credit Account and was informed that I no longer owed anything to Bank of America and that all fees and interest were being waived. At this time, Bank of America should have filed a lien release with XXXX XXXX, State of Washington and they did not. 

On XX/XX/XXXX, I applied for a new HELOC to do some home improvements to my home and to pay some debts. On XX/XX/XXXX, I learned that a lien release was never filed. I have talked to numerous people at Bank of America. On XX/XX/XXXX, I was told that the lien release would be filed with XXXX XXXX, State of Washington by XX/XX/XXXX. It was not. I followed up with Bank of America on XX/XX/XXXX and was told that it would be taken care of by XX/XX/XXXX. I went on vacation on XX/XX/XXXX and did not return until XX/XX/XXXX. My new lender informed me on XX/XX/XXXX that they didn't have the lien release. On XX/XX/XXXX, I again followed up with Bank of America. They informed me that they sent a copy to my on XX/XX/XXXX. I did not receive it. They also told me that they would email a copy to me. They have not emailed a copy to me. I have done my own search on the XXXX XXXX website and do not see record of a lien release filing. Bank of America continues to lie to me. They should have filed this lien release on XX/XX/XXXX. Due to their negligence, my new loan has been delayed for over two months now. 

Any assistance that you can provide will be appreciated. Thank you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX WA XXXX Email : XXXX Phone : 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 monetary relief
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: LA
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 distressed, I've sent documents for those inaccurate and incomplete information on my credit report dated XX/XX/XXXX2020 but until today I haven't received any response. I demand that all those account will be DELETE on my credit report. Or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Blitt and Gains did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year XX/XX/2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a reservation at a kennel for our dog, but a week prior to the booking we were forced to cancel plans because of illness. I texted the merchant, because I was told texts were the preferred means of communication. I informed her of the cancellation, and she thanked me. Subsequently, and without informing me, the merchant in question ( XXXX XXXXXXXX XXXX XXXXXXXX ) charged {$250.00} to our card as a deposit fee. My card details were on record from a previous transaction, but were not approved for this transaction. The only communication was by text and I did not receive notice of the charge until my cc statement arrived. I requested a refund but they would not refund any portion. Their claim was that this was the policy during school holidays. The week in question was not a school holiday. 

I opened a dispute with Citicard. I provided documentation of cancellation as requested, in the form of the text exchanges with the merchant. I was subsequently told that Citi could not resolve the issue in my favor because I had not provided valid proof of cancellation. I followed through with a phonecall to Citi 's Dispute Resolution Team and was told they received my documentation but would not consider it valid, but could not say anything further, even when I told them that text messages were generally admissable in courts, so I was confused by their denial.

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 2021-08-11
Company: Experian Information Solutions Inc.
State: NV
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 have a legal document from XXXX correcting my credit and I have never been late on my account 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2020-01-22
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 collectech diversified reported 6 diffrent amounts to my credit from XXXX XXXX. 
{$96.00} {$220.00} {$88.00} {$320.00} {$350.00} {$320.00} I never recieved the a bill for any of these charges and also I was never contacted about them. I also have no idea what any of these charges are for.

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 2020-12-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2019-04-15
Company: Navient Solutions, LLC.
State: CA
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 been trying to make big payments ahead of and in addition to my " scheduled payment ''. This past week on XX/XX/2019 I had ( using their 'custom payment ' option ) specified 2 overpayments in order to get rid of my loans ... I made a payment of {$660.00} on one loan specifically which would have left the loan within {$2.00} of being completely paid off. However, upon logging back in I saw that Navient reallocated the payments how they saw fit leaving the repayment of the loan at {$470.00}. 

This is not the first time I have had a problem/question with the ethics of how their practices work. I have been making continuous payments for well over a decade with Navient assuring me that I have to pay off the pre-set interest before I can work on the principal of the loan ... well cut to earlier this year when I questioned them about the fact that I am still being charged ridiculous interest and I did NOT get a satisfactory answer. Only that, " I can look at the history of my student loan by logging into my account. '' I am having a REALLY hard time getting a solid answer and after this last specified payment being allocated as THEY see fit which conveniently leaves me owning them more interest/money really has me questioning their ethics and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I have reach out to lendmark Financial on several occasions about some late payment. They was there mistake. And now I have received a letter in the mail, but unfortunately the envelope was address to me but the letter had someone letter inside so someone has all of my personal information and I have there, that just go to show you that lendmark is doing stuff wrong on so many level. No other customer should have anybody personal information. and I have poof. So at this point I am requesting that those late payment be removed from all three credit reports. If lendmark can make a big mistake like this now I am very worried about my personal information going to another customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Ive sold a gold necklace through XXXX. Bought by XXXXXXXXXXXX  ( XXXX XXXX Order number : XXXX, Order placed on Friday, XX/XX/2020. Payment method PayPal Payment date Friday, XX/XX/2020 Transaction amount {$1300.00} USD Transaction ID XXXX I've shipped the merchandise, received confirmation of delivery in XXXXXX/XX/XXXX on XX/XX/XXXX. On, XX/XX/XXXX. Ive received an email of the buyer, stating that //XX/XX/XXXX- Hi XXXX I did finally receive the package today. My adress to XX/XX/XXXXXXXX  is just my US mail adress, and XXXX XXXX  is a shipping company who specialize in shipping between the US and the XX/XX/XXXXcountries, I live in XXXX - XXXX. That is why it took longer time before receiving it. I haven't opened the package, because I can feel that there is nothing inside. When we use a touch to light throgh it, can we see that there is only a paper there, no necklace '' // ( transcript of email exchange ). I questioned about it, for I had received the confirmation of delivery and questioned for I had sold a piece to XX/XX/XXXX not XXXX. She immediately placed a hold on the payment made through PayPal, even without disputing anything in XXXX. On XX/XX/XXXX I've escalated to the PayPal to resolve the issue. And made a complaint with FTC, made an IC3 Report as well, requested confirmation of delivery from USPS, and all the mentioned documents where sent to PayPal. The decision was made in XX/XX/XXXX, in favor of the buyer, and I've appealed immediately, having the decision reverted in my favor in the same day, and was told the credit would appear on my account in few days. On XX/XX/XXXX I got in touch one more time, for the credit still was not showing on my account, and was told that I had lost. That the decision was for the buyer. I once again questioned the decision, and explained, that I had not entered an international contract, and if I had the desire to sell to international buyers I would have opted to do so in XXXX, and that the buyer used of bad faith, when purchasing the necklace, knowing that she would have the merchandise exported in my name to XXXX, without my consent, that my part of the agreement I had entered into, was accomplished, I have proof from the USPS of the delivery of the goods, and that any responsibility she has assumed in forwarding the merchandise overseas, was not of my responsibility. But no one listens, or reads the documentation sent. I've requested even to speak with the Ombudsman, which they never gave me the contact. I still tried contact with PayPal over the phone - more than XXXX hours waiting - send messages on XX/XX/XXXX, XX/XX/XXXX. They promised to get back but it is not working. 

PayPal Case Not as described - claim Case ID : XXXX The buyer reported that the item they received wasn't as described. Weve placed a hold on the transaction amount until this case is closed. 
You escalated to PayPal Please I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal dispute with Experian regarding inaccuracies present on my credit report. My initial attempt to address these issues with Experian took place on XX/XX/XXXX, and to date, I have not received any response concerning the concerns I raised. Below, I outline the inaccuracies that require immediate attention and resolution : Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$320000.00} Issue : This account is not associated with me. I request that Experian remove it from my credit report. 
Account Information : Creditor : XXXX  Date Opened : XX/XX/XXXX Balance : {$5000.00} Issue : The balance stated is imprecise, and the past due section is inaccurate due to a closed and charged-off status. I intend to discuss the discrepancies with the creditor. Until rectifications are made, I request that this account be marked as disputed. 
Account Information : Creditor : XXXX XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$35000.00} Issue : This account is not mine. I request that Experian remove it from my credit report. 
Account Information : Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$28000.00} Issue : The creditor is inaccurately reported, and the balance stated is higher than what I remember. I dispute the entire account due to these inaccuracies. Please verify the Date Opened and Date of First Delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-04-24
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I 've applied for mortgage with EverBank on   XXXX    despite providing all the required information on time, the underwriting failed to close the loan on time  (   XXXX / XXXX /  XXXX   ), resulting in additional and unnecessary financial burden.

Company response to consumer: Closed with explanation