BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is continuation of existing complaints : XXXX XXXX In short Truist marketed an offer for me of balance transaction fee of 3 % but hided the fact it's not XXXX interest, failed its obligation to protect consumer but utilizing miskeading and abusive practice to old people ; they're delaying response to charge maximum interest As of today, they had charged {$300.00} and interest of XXXX ; I have paid {$5600.00} back to the bank and plan to pay remaining balance {$4600.00} I borrowed from the bank, but I can not pay them $ XXXX for nothing ; I would request Truist refund the interest and transaction fee after pay off my debt borrowed from them, as basically this is not the deal I wanted and Truist marketed to me CFPB should take its responsibility to protect consumer, otherwise I reserve right to resort to legal process.

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 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied online for the Bank of America XXXX XXXX Signature Visa and all of the benefits that come with that specific card. I was instead automatically approved for an XXXX XXXX Visa  Platinum plus card with a different annual fee and none of the benefits. Thinking this was a mistake, I applied again for the XXXX Visa Signature Card and the application went pending. I called BofA to see what was going on and they said they could approve me for the Visa Plat if i chose to. I chose not to but asked to have someone else look at my application for the Visa Signature card. He they asked if I consented to have my application reconsidered and i said yes. He then approved me for the other card, a Visa Platinum and claimed that I had never applied for the Visa Signature. I was escalated to a supervisor and she claimed my XXXX credit score and XXXX  income did not qualify me for the Visa  Signature and they decided to automatically approve me for a card that was not marketed at all on their application page. BAIT AND SWITCH. This is very deceptive. Definitely a UDAAP issue. I did some research online and there are HUNDREDS of other people who have complained about this same deceptive marketing practice. If you look at the link below, you will see advertising for ONLY the Visa Signature card and not the inferior yet still expensive Visa Platinum. There is no mention of the Platinum benefits or fees because they are inferior and nobody would apply knowing that they could be approved for the inferior card.
<P/> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never wanted the XXXX XXXX XXXX Platinum with a {$50.00} annual fee and sub-par benefits . Nor did I apply for it. Yet somehow I was approved for TWO of  them. I closed them but do not want them reported on my Credit 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 2017-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received multiple calls from Portfolio Recovery ( Portfolio Recovery  Associates, LLC   XXXX   XXXX   XXXX   XXXX , VA  XXXX  ) They call from  XXXX . He reads off my entire social security number and then tells me I owe  XXXX   XXXX  {$4000.00} from an account I had  in  XX/XX/XXXX  that was opened in  XX/XX/XXXX . I informed him that it does not appear on my credit report and that I do not owe that money. He says he has mailed me several letter but I have never received any of them. I asked him to read me the address he mailed them to but he would not. Then he asks for my email so he can send me something but I did not give him that either. Then he said that it is me and that I owe the debt and since it is passed the Time Barre d that they will take me to court and get a judgement on my credit. I DO NOT OWE THIS DEBT. My ex wife and I filed bankruptcy many years ago to clear all this up. Then he said that under FTC law they bought the debt and that they can call me anytime to try to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
The account Capital One is reporting is a charged off account which is canceled debt. A XXXX was issued. The account turns into gross income. Income can not be reported on a consumer report per federal law. This account is reporting inaccurate information. 
Consumer reporting agencies don't have permissible purpose. I have not given written consent. 
Delete this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$820.00}

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 2017-06-19
Company: CIT BANK, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were with Wellsfargo Mortgage XXXX between XXXX they sold our Mortgage with any information into reasons why! We were never late couldnt get any understanding from them on several occasions! Trying to understand???

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.

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 2017-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 reached out to capital one to advise them of an charge that had taken place on my account. I was told by the merchant that has caused the pending transaction that it could n't be stop and I should reach out to the card holder directly. Which landed me with the rudest off shore agent I had EVERY encountered named " XXXX '' XXXX. He did n't attempt to help me at all when asking questions he repeated the same dialect repeatedly. I asked that he please not say the same thing again and thats when it started. He said that I was n't listening and if I payed attention their was nothing he could do. While I was talking he continued to talk and when I got louder so did he. He was yelling and I said that you dont get to yell at me I am the customer. He in return advises that I was talking loud so, so could he. He continued to rant as I advised him of his horrible service and the fact that he was being very unprofessional. He said I can talk to a supervisor because they are going to do and say the same thing basically. After I advised the agent of how disrespectful and nasty he was he said thank you so much ma'am for that, and anything I said after he was purposeful attempting to get a rise out of me. I could n't believe this was happening so then I made the suggestion he get the supervisor as he mentioned before. When I was transferred I still was in disbelief of what just occurred. I had never felt so disrespected by any company and truthfully felt like my account was in jeopardy because this guy had access to it. I told the manager of what took place and she attempted to help but with no true resolve, I told her that I was going to immediately close my account and dissociate my self from the company solely on the actions of the rep which did n't seem to really concern her. My dispute was finally opened when I continued to reach out to the company and I continue to express the fact that once this is resolved and completed I will be closing this account. It does n't really seem to matter much to anyone I speak with there which is why I cant believe Capital One stands for agents like this. They advertise the fact that they are suppose to care and have your best interest in mind however I see that 's only unless you need them to correct an action. Highly disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe
you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: ID
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-07
Company: CBC Companies, Inc.
State: NY
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XXXX   2017  I was mislead into paying a past credit card debt for Fifth Third Bank. I agreed to pay the settlement amount if this would be removed from my credit report. The representative assured me that the charge off would be removed from my credit report within 30 days. I have contacted fifth third bank several times and have been treated unprofessional and told this could not be removed. This charge off on my credit report is negatively affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: AES/PHEAA
State: MD
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:
Hello, I am writing to request your assistance regarding an issue with my student loans, because my student loan servicer has improperly and inexplicably increased the principal balance of my loans by {$660.00} between my XXXX and XXXX, 2017 bills. My loan servicer is PHEAA who has been completely useless is resolving the issue with my loans.
<P/>
I am currently on the REPAYE repayment plan, where the monthly payment is calculated as a percentage of income. If the monthly payment does not cover all of the interest that accrued during that month, 50 % of the unpaid interest is cancelled and the other 50 % is added to an unpaid interest balance ( listed as " Outstanding Interest '' on my loan statements ), which does not accrue more interest. Regardless of the monthly payment amount, the principal balance of my loans should not increase.
<P/>
I am attaching my monthly billing statements from XXXX through XX/XX/XXXX. I consider the XXXX through XXXX statements to be " correct, '' however on the XXXX statement the principal balance on my loans inexplicably increased by {$660.00}. From the time I enrolled in the REPAYE payment plan in XX/XX/XXXX through XX/XX/XXXX, the principal balance of my loans stayed constant at {$130000.00} ( listed as the " Current Balance '' ), however on my XX/XX/XXXXbilling statement the principal balance of my loans inexplicably increased to {$130000.00}, an unexplained and improper increase of {$660.00}.
<P/>
Because I am on the REPAYE plan the principal balance should not be increasing. In addition to increasing the principal balance by {$660.00} that I do not and should not owe, the increased principal balance will accrue additional interest and this error will substantially increase the amount of interest over the life of the loan.
<P/>
PHEAA has absolutely refused to fix this error, and their general attitude seems to be that a {$600.00} error is too small for them to worry about. They further insinuate that because I am on the REPAYE plan, the entire balance will eventually be cancelled and therefore I should n't worry about it. However, my income may increase substantially in the next few years and I may pay off the loan early, so I would like the balance of my loan to be correct and not be improperly inflated by bogus accounting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I talked to Navient in XXXX and told them that I would like to pay off the student loan in XXXX. My account manager said that I would have to keep the account in good standing for 3 months in order to get a discount. I said that they should stop taking money from automatic withdrawal because I would call and make a payment monthly. they told me that would be fine. I made the payments on the phone and paid by credit and debit card. Then in XXXX I called to see what the pay off amount would be and they took 10 % off. Then in XXXX I got a bill for {$190.00}. I called them again. They told me that whoever told me the pay off amount should n't have told me that amount because the most they could take off was {$200.00}. I told them that was n't my problem because the account manager put me on half to talk to a supervisor to get this approved. The person I was talking would n't budge. He kept putting me on hold to talk to his supervisor. I told him they could call me back when they have everything worked out because they were done wasting my time. Then I found out that While I was making phone payments they were also taking money out of the bank account that was set up for automatic withdrawal. So they own me money. Also they overdrew the account by taking out the payment that was already paid.

Company response to consumer: Closed with explanation