BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
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: Information belongs to someone else

Complaint:
Name : XXXX XXXX XXXX XXXX Previous Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX  XXXX, | Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX | Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Home Depot did a bait and switch with a home improvement order we had put in and paid for with their store credit card. They failed us every step along the way. We took out the credit card as the sales rep aggressively pushed this and mentioned how it hurts them if they don't get enough sign ups. Feeling like this could affect our order and service we did proceed with the home depot credit card despite being debt free and having other options to pay for the purchase because we felt pressed to give in to the repa pleas.. The install never occurred after several issues and Home Depot continously telling my wife and I they would make sure things were fixed and completed. After being strung along for months we completed a return yet we still have this credit card they aggressively forced on us. I'm reporting g to ensure these horrible practices are discontinued so another customer isn't impacted by deceit and aggressive practices. This all occurred in XX/XX/2019 and can be verified that we never have used the card that was issued other than this one occasion. The hard inquiry had a negative effect on my and my sposues credit and had Home Depot of acted with integrity we would never have applied for a card to which hasn't been used in almost two years.

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 2017-08-10
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
SunTrust stopped all debits on my account in XX/XX/XXXX ( stating that they are in the process of closing the account ). I was never notified that the account was in the process of being closed and they continue to accept direct deposits made on the account ( accepted another deposit XX/XX/XXXX ). It has been nearly a month and SunTrust is still holding more than {$16000.00} of my money stating that they are still in the " process ' of closing the account. They will not provide me with a reason for the closure of the account, they will not provide me with a reason they are holding my money and they will not provide me with a date that my funds will be released. They are not allowing any debits to process, so there is no reason for SunTrust to continue to hold my money. This has caused a major financial burden to my family in terms of buying food and paying bills. They have returned debits but are accepting the deposits made on the account. Had SunTrust notified me of the pending closure, I would have ceased any direct deposits to that account. SunTrust is still holding my money without providing me with a valid reason. I have been into the branch and have spoken to multiple individuals over the phone to no avail. I even attempted to close the account myself to see if that would release my funds, but I was informed that I can not close the account.

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 2020-05-20
Company: Bread Financial Holdings, Inc.
State: AK
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 had and account with XXXX XXXX that was opened on XX/XX/XXXX I have satisfied and closed on XX/XX/XXXX. I have called to have them remove a late payment that is posting on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Walmart Credit card through Capital One and when the Pandemic hit and I lost my job I called them and they waived the interest for XXXX I was very grateful and thought things were going to be ok moving forward. However I am one of them that has not gotten their unemployment yet and noticed that for the current month I was charged interest at a very high rate. I have not used my card since the pandemic started and now I am accruing charges and my bill is going up. I called on XX/XX/XXXX and a representative told me not to worry that I would not be charged interest again for this month and moving forward I would have to call every month and keep them updated. I get my statement the next day and it has interest on it and I called in spoke to a lady named XXXX who claimed to be a head supervisor and she said there was nothing she can do that the policy changed and the interest had to stay. How is that working with a customer or anyone for that matter. I would like for this to be looked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$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 explanation
Consumer complaint received 2020-12-01
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife was trapped overseas and I was getting paid less and I had trouble making payments. In XXXX I set up a forbearance plan and I called to double check if they would just just add the payments onto the end of my mortgage they guy I spoke to said yes no problem. When I called after the 6 months the lady I spoke to said I dont qualify and I would have to pay all 6 months or take another forbearance plan to catch up. 

So now Im on another plan and its very hard to make 2 mortgage payments as Im getting paid less and my wife does not have steady income.

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 2020-11-20
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Representative XXXX XXXX from Grant & Weber collections was repetitively mailing me and when speaking to me on the phone made abusive statements. XXXX XXXX used phrases like, " Only criminals don't pay, '' and " Anyone who owes money knows what they did wrong. '' Grant & Weber began mailing me around XX/XX/2019 claiming that I owed {$990.00} in medical bills from XXXX XXXX. I contacted my insurance at the time, XXXX XXXX XXXX and they confirmed with me that the services were covered and they would pay the bill. They then contacted Grant & Weber to inform them to stop harassing me and stop contacting me. 

I then had to call XXXX XXXX again in a month to verify the bill had been paid. I again received the same aggressive and abusive tone, and XXXX XXXX implied that this bill would ruin my credit. I made a complaint about this. 

I am now looking at a recent copy of my credit report and this collection from Grant & Weber is still here, even though it was confirmed as fully paid. I believe I am being retaliated against by Grant & Weber for filing complaints. I feel like my rights are being violated and illegal collections are being imposed on me.

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 2020-12-01
Company: Navient Solutions, LLC.
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 filed a dispute in regards to the incorrect items on my credit report. It as been well over 30 Days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Sequium Asset Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from XXXX  that I had a new collection on my credit file. I reviewed the credit file alert, and verified that Sequiun put a collection on my account from XXXX XXXX on XX/XX/2020 for XXXX. I have never had a bill from XXXX XXXX that was not paid, I've never been notified by XXXX about an outstanding bill, nor have I been notified by Sequiun about a collection or a past due bill. I only discovered this by the credit file alert. I do not owe this, I've no idea where this comes from. I've reported this as fraud to all three credit reporting agencies. I reviewed the website for this company after multiple times of trying to reach them. All XXXX 's at their company are full, there are never any people answering calls. There are many reports on their website of fraud occurring with other people, as well as on XXXX search. I've also reported them to XXXX. 

Sequium Asset Solutions XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I mailed a letter to Portfolio Recovery asking them for proof that they had followed the law as outlined in the FCRA, specifically 1681s-2 ( 7 ) ( a ), pertaining to if they were furnishing negative information to the consumers account that they notified the consumer in writing of that negative reporting. I have never received such a letter from them that would in accordance with that particular law and they have furnished negative information to my credit reports despite my never have engaged with them in any business venture or Portfolio being able to verifiably prove the legitimacy of any such accounts. 
To date there has been no response from them yet. They continue to report on my credit. They have failed to show any proof of being in accordance with this law. They should be required to demonstrate their initial compliance with this law by the CFPB or they should delete the accounts they have listed as having added them in the first place illegally. They are accounts that Portfolio has ceased collection activity on by their own accord.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd attempt to have Equifax remove XXXX account from my credit report, as I have been removed as the authorized user. They requested that I submit proof of my identity, so I have enclosed my driver 's license as proof, along with the same letter indicating that I have been removed from the XXXX account. Please remove this account from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a recent victim of a scam resulting in a loss of {$3900.00}. Bank of America routinely markets their commitment to protect consumers from fraud however they have failed to aid me in a way to help combat the individuals who are responsible for this fraudulent activity ( fraud case XXXX ). Not only are their operations disjointed but I have been subjected to egregious operating practices that has not aided me with furthering my complaints regulatory bodies that may be of assistance. I have also been subjected to bad customer service being transferred multiple times, disconnected on multiple occasions, and being placed on hold for hours on end.

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 2020-09-04
Company: Experian Information Solutions 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 is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates

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 2020-09-04
Company: FIRST ADVANTAGE CORPORATION
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:
For about 4 months my phone number has been changed and because of that I can not log in to the Current Banking app and access any of my card information. Today I accidentally left my card inside of an ATM and my card was shredded unfortunately. That means I lost all of the money I had from getting paid today because I have absolutely no way to access my card. I have emailed the company multiple times and have messaged them on every platform and I havent received any help or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After the total auto loan amount was fully paid off approximately XX/XX/2020, Toyota Financing is still taking money out from my bank account on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Ameritech Financial
State: IN
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 paying Ameritech Financial XXXX $ a month to handle my student loans which in the end after a certain amount of time they said would be totally taken care of with no money owed. So since I have been taken advantage of I would like to know how to get the money back that I have been paying them to do nothing with my account.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-26
Company: Santander Consumer USA 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: Their investigation did not fix an error on your report

Complaint:
Experian has refused to delete two fraudulent accounts from my credit report. One was recently deleted and later re-inserted without reason or notice.The Bureau Even added a fraudulent address to my credit report that doesnt belong to me nor connected to any of accounts on my profile. 

The accounts go as follows : Santander Auto loan and a Fraudulent XXXX bill reported By XXXX XXXX XXXX XXXX. 

The account was included in an identity theft report I submitted to the bureau two months ago. I Also Added a official police report, copy of my drivers licence and social security number Under federal credit reporting act section 605b these account should be blocked from my credit report, however XXXX credit services has violated the law over and over by refusing to remove fraudulent account and even re-inserting without explanation. 

If these account arent removed from my credit report immediately.I intend to sue XXXX credit services in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Account status incorrect

Complaint:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and ID card for reference. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation