BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Suntrust Bank now Truist, went through their transition this past weekend. Prior to this, they informed their customers in writing that all ATMs would be down and they would refund all fees incurred to use a non Suntrust/BBT ATM. I called this morning and after waiting on hold for 1 hour, I spoke to XXXX and she refused to refund the other financial institutions fee for using their ATM. She had the nerve to tell me to contact them for the refund or file a claim. Like what?? She also refused to connect me to a Supervisor because there are none. Now she has me on a silent hold hoping that I will hang up. I work for a larger FI and I know how this works. That other bank is going to send me right back to Truist and im not wasting anymore time. Refund my {$6.00} 2 and the {$3.00} now! Their policy is unfair and deceptive and im sure a major reason for the long wait times. This bank has been XXXX poor for your years but I only remained because ive had my relationship for 18 years. They need to get with the times.

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 2020-09-23
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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting this CFPB Complaint to dispute the presence of certain items on my credit report, that are fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XX/XX/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 IOWA XXXX XXXX XXXX. XXXX, XXXX. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.

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 2022-02-24
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
These following accounts of DISCOVERBANK with account numbers XXXX and XXXX appears to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted my student loan in XXXX and XXXX and told them they sent my information to the wrong po box that was listed on the account. I had told them numerous times they had listed the wrong po box by one number off of the mailing address to contact me regarding my students loans and slapped me with late fees until I paid them. My accounts are current and I deserve to have them not slapped me with 3 months late fees as I was unaware they were coming up for renewal and the wrong addresses are on my papers. This is from 7 years ago and my credit report has been good ever since. I am asking for this to be removed from my credit score and report. I think unaccurate information after I have had my accounts in good standings for 7 years. Case # XXXX If I wanted to buy a house or purchase something I have these 3 late payments on my account for the past 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NE
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: Was not notified of investigation status or results

Complaint:
I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought my home in XXXX of 2021 and in several times this year, I've asked my mortgage company to provide the necessary steps to remove my PMI. They continually do not follow thru and I have no received any type of letter to remove my PMI. They claim they have sent something but provide no proof and claim this can only be removed with a physical letter vs anything via email. 

Best, 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 2020-01-16
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is paid in full. Note letter dated and signed showing this account is no longer in collection status but PAID IN FULL.

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 2023-02-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XXXX of XXXX I was on a forbearance with Wells Fargo due to being on an unpaid leave from my employer during Covid. In or around XXXX of XXXX I was allowed to go back to work so I called Wells Fargo to make arrangements to start making payments to get caught up on my mortgage. During this conversation to Wells Fargo with XXXX XXXX, I inquired about refinancing. She informed me that once I was caught up that I could refinance, or if I paid my outstanding payments in a lump sum I could refinance once payment had been processed. I chose to pay a lump sum to take advantage of the lower interest rate. In or around XX/XX/XXXX I'd paid the lump sum and had started my application. Once the application was completed I received a call from XXXX XXXX XXXX and she informed me that I would not be able to refinance, even though she previously said I would be able to and all of the correspondence that I'd previously received about my forbearance said that I could. I asked why and she basically said that because of my previous forbearance I wasn't eligible. I was disappointed but dropped the matter, as I was so exhausted from having previous issues with Wells Fargo. Also, Wells Fargo bought my loan from XXXX XXXX so it was not my choice to do business with them. 

Fast forward to this month I'd started to hear about other customers dealing with this same matter, so I decided to see if I could get a better answer as to why I could not refinance. On XXXX XXXX I was initially told that there was no record of a refi, and later that it was not Wells Fargo who denied the refinance but XXXX XXXX, because it was a VA loan. I was also told that Home Mortgage Consultant ( HMC ) XXXX XXXX would give me a call back in 30 minutes of that call to give me further clarification but she never called me back. I called XXXX XXXX to inquire about the denial and they had no record of it. 

My concern is that I was wrongfully denied refinancing and subsequently have missed out on significant savings on my mortgage. Based on my credit rating, payment history, debt to income ratio, I was/am more than qualified for the lower interest rate at that time of 2.75 %. 
I have a complaint in for escalation, reference # XXXX but I don't expect to hear much back.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: FL
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:
I XXXX XXXX noticed a Few inquiries on the report that was false I already claim an identity theft report also oattached of accounts that do I never applied for. I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. the false inquiries were XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-04-14
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-02-24
Company: Shellpoint Partners, LLC
State: CO
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:
New -Res Shellpoint Mtg failed to respond to my certified letter sent on XX/XX/2022 to the updated return address. This has also happened in the past. They continue to report inaccurate payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. See attachments 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit 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:
XXXX XXXX XXXX XXXX of Capital One XXXXXX/XX/XXXX XXXX, VA XXXX RE : See Attached XXXX XXXX XXXX, I am writing to dispute a charge of {$75.00} to my credit card account on XXXX, XXXX. The charge is in error. I call Capital One every year for the last three years to dispute this charge. My daughter XXXX used to have an account with XXXX to use XXXX XXXX. She cancelled that account several years ago when she graduated college. But each year XXXX charged her credit card with Capitol One, in XXXX. Last year I call Capital One and complained about the charge, they advised to cancel her credit card and they would send a new one with a new number. We did that. This year XXXX charged her card again for {$75.00}. I call Capital One and disputed it again, they reversed the charge and they put it back onto my account again on XXXX. Capital one sent me paperwork showing XXXX charging my account again with a card ending in XXXX. The new card my daughter received last year ends in XXXX. I called Capital one and asked how they could make a charge on my account with a card that was inactive since XX/XX/XXXX. They said they can not do anything about it that XXXX is entitled to their money and they can charge the new card. I explained to them that Capital one advised me to cancel my daughters card and get a new one so this doesnt happen again. They refused to help me. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. This is obviously fraud on your end. 
Enclosed are copies payment records, and transactions supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, 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:
A dispute with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was received on XX/XX/XXXX via certified mail. As of todays date, XX/XX/XXXX, I have yet to receive a response from this company in regards to the validity of this account. The FCRA allows for such company 30 days to response, I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
These items are not transactions conducted by me as a consumer. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2021-02-04
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I, XXXX XXXX, consumer and former member of PNC bank, wish to file a complaint against PNC bank for violation of the Electronic Fund Transfer Act heretofore known as EFTA. ( EFTA ) is a federal law that protects consumers when they transfer funds electronically, including through the use of debit cards, automated teller machines ( ATMs ), and automatic withdrawals from a bank account. Among other protections, the EFTA provides a way to correct transaction errors and limits the liability resulting from a lost or stolen card. 

Electronic fund transfers are transactions that use computers, phones, or magnetic strips to authorize a financial institution to credit or debit a customers account. Electronic transfers include the use of ATMs, debit cards, direct deposits, point-of-sale ( POS ) transactions, transfers initiated by phone, automated clearinghouse ( ACH ) systems, and pre-authorized withdrawals from checking or savings accounts. 
The EFTA outlines requirements for banking institutions and consumers to follow when errors occur. Under this act, consumers can challenge errors, have them corrected, and receive limited financial penalties. The EFTA also requires banks to provide certain information to consumers and defines how they can limit their liability in the case of a lost or stolen card. 

If the institution is notified within three to 59 days of a lost card, the liability could be as much as {$500.00}. And should it not reported within 60 days, the consumer isn't protected from liability at all, meaning it could forfeit all funds in the associated account, and be responsible for paying any overdraft charges. 

My complaint hinges upon the fact that the complainant informed PNC bank of unauthorized charges on his account within 60 days of opening his account. The account was opened on XX/XX/XXXX. I began receiving notices from PNC bank at the end of XXXX concerning fraudulent activity on my account. Consequently, PNC bank ignored the complainants requests to flag his account for fraud and to disable his stolen card after noticing the unusual activity and transactions that took place on his account. Because PNC failed to protect the complainants account from fraud, they have violated the spirit of the act and should be addressed accordingly. The Act clearly states that if an institution is notified within three to 59 days that the liability is capped at {$500.00}. PNC bank has now initiated collection procedures ( see attachment ) against the complainant without legal basis or due process and has initiated irreparable damage to me financially and professionally and I am seeking damages for their egregious and willful violations to EFTA. I am seeking damages of {$5000.00} for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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