BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Transunion is reporting inaccurate information and Errors and is in violation of FCRA laws. XXXX XXXX could not submit proof of claim or accurate verifiable information and used deceiving tactics to victimize me. Transunion is reporting inaccurate information on balance, amounts, and status information. Inaccurate information and reporting is a violation of FCRA and Transunion is in non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with Transunion for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Transunion 's repeated non-compliance with my requests will also be construed as an absolute waiver of all claims to enforce the debt against me and Transunion 's implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt without validation it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, these accounts must be removed from my credit file. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Filings Title : XXXX XXXX XXXX XXXX XXXX Case : XXXX XXXX ( XXXX ) Citation Number : Event Filed By Filed Create Date Last Updated Action Date DISMISSED PER COURT XXXX XXXX XXXX XXXX XXXX XXXX Other Order XXXX XXXX XXXX XXXX XXXX XXXX Comments : SUBMIT PROOF OF CLAIM WITHIN 30 DAYS Motion for Default Judgment XXXX XXXX XXXX XXXX XXXX XXXX Return of Service - Other XXXX XXXX XXXX  Other Event XXXX XXXX XXXX  Comments : CERTIFIED MAIL -- - CERT # XXXX Other Event XXXX XXXX XXXX XXXX XXXX XXXX Comments : REQUEST FOR SERVICE BY CERTIFIED MAIL RETURN OF SERVICE - DILIGENT SEARCH XXXX XXXX XXXX XXXX XXXX VERIFICATION OF ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Small Claims Original Notice XXXX XXXX XXXX XXXX XXXX XXXX Comments : XXXX FOR : {$1500.00}

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 2023-01-20
Company: MOHELA
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The last representative from MOHELA that I spoke with was on XX/XX/XXXX. She was very kind and informed me on the recorded call that the total debt I owe is {$4400.00}. However, on my credit reports, MOHELA states I owe {$9200.00}. I experienced this issue last year, XXXX, and the student loan servicer XXXX removed the debt because it was paid in full. Please see the attached receipts. To add, the Department of Education and XXXX also states this debt is paid in full with a XXXX balance. After the phone conversation today with the kind MOHELA representative, I believe this company has no idea how to approach this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I wrote to them through the Comenity Bank website for XXXX XXXX. 
They do not know how to read and thus gave me a non sequitor response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: PA
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:
Negative accounts was not verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: CA
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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I purchased a condo from Wells Fargo in XXXX. To avoid XXXX insurance ( I was young at the time of purchase and took the lead from my agent and lender ), Wells Fargo opened up a HELOC at the same time of the original mortgage. This loan agreement has plagued me ever since. I have tried to refinance the HELOC, I have tried to refinance into XXXX loan and every time the fees and the interest rate make it impossible. I previously received assistance refinancing the main loan because it was so underwater, but no agency will help with this HELOC. Had XXXX allowed me to open XXXX mortgage for at the time of purchase, I would be in a good place financially and could have refinanced during the low rates the country saw the prior XXXX years. Now inflation is back up, the rental market is back down in XXXX and I am again struggling to manage this property. The way XXXX approached this loan was unethical and set me up for a long term problem when the XXXX insurance situation would have resolved in a matter of XXXX years. I have reached out to XXXX for help with this loan several times without any success. Now as I try to sell the unit again, the agent and attorney in XXXX have concerns with the way the property note was structured. I would like XXXX to offer a solution here that does not cost me thousands in closing costs to fix their unethical approach to lending to a young woman in her XXXX. It is impossible to pay off this loan -- the interest alone is crippling. Predatory ; unethical and just plain vile.

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 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 ordered a software from XXXX online. The website specifically states 2 hours for you to receive your key to use the software. The credit card processed and the charge is pending is what my card Capital One told me after i waited 2 hours. My card company gave me XXXX as the company 's phone number. I called and get a voice instruction to go to XXXX with regard to any credit card charges. 
There is nothing available at that site so I call Capital One to cancel/dispute the charge. 
If i can not prevent myself from being taken advantage of by misleading offers and shady business practices it is incumbent for the government to be a check on credit providers and companies who try to create these issues. 

Cordially, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Truist XXXX 2023 Small Business Checking Offer was supposed to pay out {$400.00} as a promotion when {$1500.00} worth of deposits were made. 

Truist customer service stated I was eligible and hit the promotion target but then got an automated email that I did not complete the requirements ( I did ). Customer service states there is nothing they can do. 

After walking through the terms with them, gaining alignment, and showing the transcript proof of customer service rep saying I was good to go, they still stated they could not do anything. I have photos of eligibility and proof that I hit the qualification criteria. They stated the terms said balance must be greater than {$0.00} however my terms ( see attached ) just stated the account could not be negative ( which it was not ). They recently added the new terms ( must have XXXX XXXX in the account ) after the fact when checking for completion.

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 2023-01-20
Company: EQUIFAX, INC.
State: IL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
On Monday XX/XX/XXXX my XXXX XXXX XXXX was totaled. Our insurance company paid the claim on XX/XX/XXXX and receipt was confirmed by XXXX XXXX XXXX XXXX. The title still hasn't arrived. XXXX was contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX advised they mailed the title on XX/XX/XXXX and again on XX/XX/XXXX. After the first time it was mailed a duplicate title had to be requested. We asked that the next title that was to be mailed be mailed XXXX or XXXX with a tracking number. They created a label to ship but then failed to use and again mailed it XXXX Mail with no tracking number. Neither myself or the Insurance Company has received the title. We are asking that you contact XXXX on our behalf to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is currently sold to Specialize Loan Services. I was struggling with making monthly payments. Loan went into foreclosure. I had to pay layer fees and much more

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 2023-01-20
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The Truist bank had a {$500.00} promotion for new checking account back in XX/XX/XXXX. The promotional code was XXXX. It requires " two qualifying Direct Deposits totaling {$1000.00} or more within 90 days of account opening '' to get the opening bonus {$500.00}. I did all requirements but did not receive the opening bonus. I contacted Truist via online chat, phone calls in XXXX and XXXX. Each time, they gave me different reasons why I did not get it, such as I'm not within their footprint, I did not applied within the required time frame, I did not use the promotional code. I contacted on XX/XX/XXXX for the last time, and their supervisor told me it is too late to add me to the promotional pool. They can't anything about it anymore. The entire promotion is a spam. I've all online chat logs and email from them to prove that I am qualified for the promotional offer, but they refused to fix the error. I am reporting to your institution as this type of bait & flip conduct is harmful to the financial health of all families in US, so it should be exposed to the public to draw attention on it.

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 2023-03-04
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent recovery solutions account : XXXX has now posted collections to my account nearly 2 years after I lived at the XXXX XXXX XXXXXXXX and had to break the lease due to Government Official Business and Family Medical Emergency all of which was exempt form any further payment and the lease was broken without any charges. These folks are known to be bullies and scammers who press people for money they do not owe. They are literally in the top XXXX companies who get complaints in their industry. This is not a dept that I owe them, and they have no applications nor evidence that I owe them anything. They do not have my written permission from me stating that this is my debt and that they can report this. They need to stop this activity immediately. I am a XXXX combat veteran facing some serious health issues. Their actions are causing me and my family distress and hardship that we are not able to bear at this time. Please help. They know they are wrong and that's why they did not even contact me. I just found this trash on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
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  Account XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  XXXX Account XXXX Account name : XXXX  XXXX  Account XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-09-05
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: 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.

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 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I first received a text asking me if I was still invited in a XXXX XXXX XXXX and after I replied yes I was then transferred to their hr department via XXXX. This is where my interview proceeded. I was on a XXXX chat for an interview. The next day I was offered a job and XXXX. Received an offer letter with the companys logo on it. In this case they posed as XXXX XXXX XXXX XXXX them told by a man named XXXX XXXX that i would be receiving a check from their accountant to purchase work t materials needed to make my work from home station. As soon as the check cleared the next day I was told to make XXXX payments to their vendor for {$1700.00} and {$450.00}. The first payment went through however the bank held the second payment. Then I was told o word be receiving another check for the rest of materials. At this point I already filled out the forms given to me by the XXXX XXXX  to put in my full name,, address, phone number, social security, and other personal info as well. This was XXXX XXXX XXXX XXXX because he said what company would give you XXXX k to make purchases. At this point I had my XXXX XXXX XXXX XXXX XXXX  and sure enough she found out that I have been scammed! I then reached out to this XXXX XXXX to ask him to have the vending please return my XXXX  of XXXX because I didnt need a laptop after all. He replied by saying he didnt understand why I was so insistent on getting a refund because it was the companys money. I then never heard back from him at this point. I tried to say that my second check went through and I was ready to make more purchases from vendors but he never answered. I tried calling him and texted him through XXXX but no reply. I have been scammed!

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 2023-01-13
Company: TD BANK US HOLDING COMPANY
State: VA
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:
I purchased a vehicle on XX/XX/2022 and financed it through TD Auto Finance. I made all of my monthly payments on time and was fortunate enough to pay the loan off on XX/XX/2022. XXXX sent me a letter dated XX/XX/2022 acknowledging the payoff along with a release of lien letter. I have tried to obtain the title through my local DMV but they will not issue it because the lender hasn't released the electronic lien. I have contacted TDI and they will not release the electronic XXXX because they claim to have never received the original title from the dealership. This issue is between XXXX and the dealership. XXXX  will not give me a date as to when this will be cleared up and I am left with no where to turn. I have a vehicle that I can not sell without a title and XXXX  will not give me my title. What do I do??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Privacy and Consent, there is no law stating that late payments have to be reported. This has to be a billing error and needs to be corrected, effective immediately. This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. I am asking that they remove all information from my credit report 's and that's all XXXX bureaus including, 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