BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
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:
Starting XX/XX/2022, I deposited my payroll checks as usual which I been doing for past few years with the same bank from same employer, Truist started to hold my checks for no valid reason. Lets say for the sake of argument they want to hold the check until they collect the funds? Or if I had bounced checks in the past? Which make sense, and even if they want to argue that they want to make sure the check clears and then release the funds then still it doesnt satisfy the fact they hold the check about for over 10 days? I have proves that check clear the employer bank the next day but Truist illegally holding the money for over 10 days? This just does not justify there holding. 

The checks I am depositing are my payroll checks and never ever they got bounced, I was SunTrust customer before the merger and this never ever happened to me before, not even once. This only started to happen after the merger and no one not even at the branch willing to help? Who ever you talk to say they cant do anything? Who suppose to help me? Who suppose to figure out at least whats going on?

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 2018-05-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I tried Navient 's customer service hotline, but they do not work on Saturdays. My prior bills showed some unpaid fees that are been carried over to the next billing cycle, mostly late fees incurred during the processing of prior IBRs. When I paid in XX/XX/XXXX, I included the total amount due on the billing statement, including the carried over unpaid fees. The amount paid reflected the EXACT total amount due in the bill. To my unpleasant surprise, the bill for XXXX payment was for the exact same amount of the bill for XXXX statement, showing the " unpaid fees '' like they were never paid. How did they apply the payment? I do not know. But I remember something similar happened to my elderly dad with a mortgage loan. When he went to inquire about the payoff of his mortgage, he was told that all of his advanced payments were unilaterally applied to interest. Someone needs to look at these unfair practices. The intent of my payment was pretty obvious. It was made for the TOTAL AMOUNT DUE indicated in the bill. I am hoping to get someone in CFPB to look at this because there may be other people affected. I am on an IBR. By them not applying my payments accurately to the total amount due, they are effectively over-billing for an amount that is almost double the monthly payment as per the approved IBR. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Credit Karma, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Credit Karma has sent me misleading offers about pre-approval for a car purchase. Which is not true, they have taken all my information and the alleged carvana company has denied me the pre-approval offered by credit Karma. they have made me lose time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Was not notified of investigation status or results

Complaint:
I sent a letter disputing an inaccurate item on my credit report on XX/XX/2021, however, i have not heard from them about the status or result of the investigation. It has been way past 45 days. I need the item deleted from my 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 explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have been disputing erroneous Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$0.00}

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 2021-07-13
Company: Farrell Holdings, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a vehicle from a car dealership whom used PAC Auto Financial to finance the vehicle. Despite encountered medical issues, and hospitalized I was unable to provide proof of insurance whom my insurance company made a mistake on then attempted to make amends for their mistake. At that point PAC would no longer work with the insurance company despite providing proof of being insured the whole time. I have reached out to them on several occasions to resolve the issues with them directly without any success. I now hired a company to pay them off, despite being over a year they have now threatened to call me several times a day to resolve the account with them personally, they have been rude, I have requested to be on the " Do not call list '', and I am actively paying them off with the company I signed up with. I have an account dedicated to paying to them, yet they will not stop calling me. It is relentless, I am in retirement and I can't get a break despite diligently working to resolve this issue. I am at a lost of ideas and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of identity theft, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. here are the list of items that needs to delete in my file ASAP : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Got a Citicard and was not told of the {$95.00} renew fee nor was I told when the promo interest rate expired so I could pay off the card I requested to close the account in XX/XX/2018 VIA US MAIL which is when they billed me {$95.00} for a renew fee and then they kept charging me interest and ignored my request

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 2018-04-15
Company: Koster's Cash Loans
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 went in to Koster Cash Loans located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had an XXXX store card through Synchrony bank for roughly 7 years. 

Starting recently, the number that they send verification codes to when I log in is _not_ a number associated with my account so I am unable to log into my account and verify recent purchases. 

Most recently, I called about the issue today, XX/XX/XXXX at XXXX PM Central time but i have called in the past about this as well. 

The customer service representatives : * Verify that the correct phone number is associated with my account * Tell me that they use phone numbers from credit bureaus, so I have to correct it with the credit bureaus * They can not tell me _which_ credit bureau is reporting the misinformation I have checked the major 3 bureaus ( XXXX, XXXX, and XXXX ) and none of them have incorrect data. At one point a customer service rep gave me a different bureau to check, but i can't remember that name either and it only had the correct information anyway. 

I am unable to resolve this issue. They will disable two-factor authentication on my account, but that only gets me in once and then it eventually gets turned back on

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of identity theft, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. here are the list of items that needs to delete in my file ASAP : XXXXXXXX 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 XXXXXX/XX/2022

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 2018-05-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from XXXX XXXX XXXX XXXX  on XX/XX/XXXX informing me that I owed a debt on a credit card from XXXX. I have no recollection of this credit card and when asked for some proof that this was actually my debt, I was told to call the original bank that held the card. XXXX e-mailed me a letter that gave me the original account number for the account and their representative gave me HSBC banks phone number. I called the bank and was told that account has never existed. When I called XXXX back to find out what was going on, I got lots of excuses as to why I did it wrong and how the account number may be wrong. The representative got to yelling and being ugly with me so I ended the call. He then took to calling me repeatedly and finally left a voice mail threatening to sue me for the money.

As it is, all I asked for was proof that the bill was mine. I was informed he doesn't have to show me anymore proof than a letter that lists the account number and original creditors name, that he wrote up himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: MO
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA. the Credit reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items completely from my Crediet File : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2018-11-26
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Tidewater finance continues to report on XXXX and XXXX incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with XXXX   and XXXX disputes and nothing has been fixed. I have paid Tidewater Finance XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
4 Hard inquiries were made on my Equifax credit account that are fraudulent. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX continues to report on XXXX and Transunion incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with XXXX   and Transunion disputes and nothing has been fixed. I have paid XXXX XXXX XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm deeply concerned about how my rights as a consumer are being violated due to the unauthorized and inaccurate information being reported on my consumer report by XXXX, TransUnion, and XXXX. It's incredibly frustrating to see these credit reporting agencies mishandle my personal data, especially considering their crucial role in assessing my creditworthiness. 

The fact that unauthorized information has found its way onto my consumer report is a clear breach of my right to privacy. I've always believed that I have control over my personal information, but with this inclusion of accounts I never opened and activities I never engaged in, my privacy is being compromised, leaving me vulnerable to potential identity theft or fraud. 

What's even more disheartening is the impact of these inaccuracies on my right to fair and accurate credit reporting. I've always strived to maintain a good financial standing, knowing how crucial it is for my future endeavors. However, with XXXX, TransUnion, and XXXX reporting inaccurate information, my credit profile is being distorted. This can lead to unfavorable credit decisions, higher interest rates, and even difficulties in securing loans or finding employmentultimately hindering my financial opportunities. 

The repercussions of these violations extend beyond my immediate concerns. They have the potential to harm my reputation and overall financial well-being. Lenders, landlords, and potential employers often rely on credit reports when making important decisions about my eligibility. With unauthorized and inaccurate information tarnishing my credit profile, I may face loan denials, higher interest rates, housing rejections, or missed job opportunities. It's disheartening to think that these violations can have such long-lasting effects, hindering my ability to achieve my goals and maintain financial stability. 

In light of these violations, it's crucial for me to take immediate action to rectify the situation and ensure that my consumer rights are protected. I need to assert my rights to privacy, fair credit reporting, and the opportunity to dispute and correct errors. By doing so, I can work towards restoring the integrity of my consumer report and safeguarding my financial future.

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