BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXX CARD XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.

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 2020-03-04
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Requested my CLUE report in XX/XX/2020 as I am entitled to see it once yearly. I was sent a letter in the mail with a web address and pin number to access that report. Upon trying to access the report on XX/XX/2020, I was denied entry to view the report even though the pin was not expired. I then called the help phone number provided and was placed in an automated system that did not work. I attempted to obtain a live agent but was not able to reach one. 
Due to this, I am not being provided my CLUE report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: SUNTRUST BANKS, INC.
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX Acct. number Please attach additional pages to file. 
XXXX is another communication from the Bank stating that the XXXX wasnt presented until the XX/XX/XXXX. Also is another transaction list, which shows that I was charged overdraft fees while in the positive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These medical collections are not mine, nor have I even went to any medical facility. I am not sure how this person got my information, but I want it removed immediately. Additionally, I am NOT a credit repair company, and I can assure you that this is my credit profile that we are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a short sale package to Suntrust bank on XXXX XXXX, 2016. I have complied with all their requests in a timely manner to submit supporting documentation as of XXXX XXXX, XXXX, Suntrust continues to request a seller disclosure form which has been provided on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each time i call they say that it is incorrect or missing data. I email it to a representative they review and confirm it is correct and that it will be forwarded to imaging department. I call again, and go through the same process and have lost almost a month and file has not been sent to negotiation and have a lost a month in this process because of their incompetence. This file is in foreclosure status w/o a sale date, the buyer is approved, and will most likely lose him because of suntrust delay in properly reviewing document submissions.

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 2023-04-02
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: Personal information incorrect

Complaint:
Address History : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Correct spelling XXXX XXXX XXXX This information is incorrect

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 2020-10-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I gained a car loan XXXX XXXX XXXX for a 2013 XXXX XXXX hybrid. I've had loan for 41 months -- simple interest loan- ( unbeknownst to me initially at dealership-XXXX  XXXX XXXX Illinois- Sales Rep- Mr. XXXX  ) through financial institution Prestige Financial. As of today XXXX, It has been stated that I owe XXXX. 

I strongly believe I have been a overcharged based on being a XXXX XXXX woman. 

Please help! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my XXXX credit report and found the following item ( s ) to be in error 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 received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX DateXXXX XXXX received a copy of my XXXX credit report and found the following item ( s ) to be in error : 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

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 2016-08-19
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have recently contacted AES ( American Education Services ) to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, AES ( American Education Services ) will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account on BBT bank website as advertised in XX/XX/2019. I met all requirements on the offer at the time when I opened the new checking account but have not received the bonus offer as advertised to date. I called on XX/XX/2019 and customer service told me there was no promotion code on my new checking account, which was not in the offer when I opened the account. So I can not receive the bonus offer.

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 2016-09-22
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I feel that towards the middle/end of my school career, my student loan officer did not assess my ability to repay the loans properly and that my accumulated loan debt was not factored into the calculation. With the high interest rates of the loans, the accumulated loan debt, the amount of time/number of classes I had left to complete my degree and the type of degree I was working towards - there 's just no way I could graduate and make the kind of money required to be able to comfortably pay off the loans. I would have had to forego basic necessities to be able to afford the loan payments. I was just to naive at the time to realize the student loan impact at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
i had a installment loan out with Check n Go in my town over two years ago. i was unable to pay it back in full, and honestly, i forgot about it. earlier this year i received phone calls from a company called " XXXX XXXX XXXX '' who claimed that they would be serving me papers at my home address ( which they had correct ) and if they couldnt reach me there, they would be serving me at my " job '' ( but did not disclose where i work ). After being scared into their tactics, they got my debit card number and was withdrawing money from my account every 2 weeks ( my payday ) in the amount of {$120.00}. 

After a month or so, i stopped paying them ( XXXX 2016 ) .... Now ( XXXX 2016 ) a man named " XXXX XXXX '' is calling me from the same company again. they have n't withdrawn any money since then and after doing a good amount of research online, this sounds like a scam. i dont know who to contact about this, and honestly, i am still unsure if this is legitimate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ATTORNEY FOR CAVALRY KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. 

DEBT OWNER IS ESTRANGED SISTER-IN-LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I 'm still on chapter 13 so I have 2 loans out now that I did not know i could n't get! It 's hard to pay them back but they is not in my chapter 13! Once going to happen once they find out I 'm off chapter 13

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SunTrust Mortgage changed the technology on their e-Pay system around XX/XX/2016. Since that time my mortgage loan account has improperly not shown my current payment due on e-Pay on the first of the month. Every month now XXXX shows my XXXX of month payment due AFTER I have paid it! I have spent numerous wasted hours on the phone with loan servicing staff who are unable to fix the problem and who are unwilling to own the problem. And around mid-month each month I am improperly billed for TWO payments - the current month AND the next month 's payment..

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 2016-05-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have filed police report on XXXX/XXXX/XXXX, case n. XXXX, I was called by TD bank Fraud department that my TD bank card was being use and they closed the account. I was asked to open a new account and I was able to dispute the charges from account # XXXX during this period I was still fighting with TD bank car loan service, I was asked to go to local branch to talk to someone about late payments or missing checks. I requested payment record from XX/XX/XXXX to XX/XX/XXXX, I was told by the bank that the only things will be provided is bank statement, not copy of checks. if I want copy to be included I must pay them each check. I did not agree on paying for my own record while they continue to miss credit my account. On XXXX/XXXX/XXXX, I did filed an other police report due to scammer. case # XXXX. TD-bank account number # XXXX This account is closed by TD-bank. Since I 'm not getting any where with TD-bank car loan department and both of my checking are now closed, I 'm demanding that DT-bank must provide me with every checks I wrote to pay for my car loan payment. I want pictures of front and back of each checks so I can compared with my External account see what the evidence will lead me to. I will not pay TD bank any fee for me to be able to have my personal bank records. Since I purchase this vehicle I received payment slips at the binning of XXXX since that time I never received total payments subtracted from the original balance, but they continue to claim that I have late payment. as you can see a copy of letter submitted yesterday with all checks from XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, still never subtracted. I want all checks record before I can hired a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: BB&T CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I paid my XXXX scheduled payment. I then sent a separate check with the instructions stating, " APPLY TO PRINCIPLE ONLY '' on the check. So, I sent 2 different checks at the same time. They will not apply my 2nd check to only the principle balance and are only applying a portion then applying some to interest and then pushing my next scheduled payment to XXXX. I called to complain and explain that the 2nd check is a principle only payment and asked to speak with management and she refused to transfer me. Instead she gave me a summary of how loans work. I am demanding that my 2nd check sent be applied to only principle. Please help.

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 2022-09-16
Company: EQUIFAX, 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:
It has been brought to my attention that the Credit Bureaus did not just ignored my request for the removal of the disputed items but has continued reporting the disputed items as verified and correct! This is a clear violation of my rights as a consumer! Under the Fair Credit reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, in my situation, the Credit Bureaus have been ignoring their responsibilities with the Fair Credit Reporting and have claimed that the disputed items are verified without sending me copies of proof of verification. Also, the Credit Bureaus are claiming to have sent me an updated copy of my Credit Report but I tell you, I have received nothing! I am submitting this CFPB Complaint to you today to complain about the Credit Bureaus willful non-compliance with the Federal Statute. With accordance with the Fair Credit Reporting Act section 605b, I am ordering the Credit Reporting Agencies to immediately remove the following fraudulent accounts and information 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 sent XXXX XXXX, tax transcript from IRS, and proof that Capital One Auto finance can not report a charge off that has been claimed on our tax return on my consumer report. XXXX will not delete capital one auto finance from my consumer report, once a XXXX is given and included on taxes, this charge off is now consider income. Income is not reported on credit, unless there is a new law that you CFPB have made up and I have not found it in the laws from CFPB and federal bureau have been put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I continue to get calls from XXXX with XXXX XXXX XXXX in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CREDIT MANAGEMENT LP posted XX/XX/2020 amount {$160.00} I reached out by phone right away to try and resolve this many times. I was never given a solid answer on what this was for, who this was for, when it happened or given an option to resolve this. I was transferred around with no resolution. I later had my credit repair company do their rounds of letters. Still no response to anything. We never recived a pone call, letter or anything trying to resolve this issue .No explanation was ever sent or given to explain this debt. This has dropped my credit score and is preventing me from buying a home for my daughter and i. We are now at the point of loosing our home and not being able to buy in time because of this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief