BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, I filed Complaint IDXXXX t with the CFPB because of several mistakes made by Truist Financial in the administration of my checking account. 

On XX/XX/2022 I received instructions from the CFPB portal to contact XXXX XXXX XXXX, Client Resolution Specialdistat Truist Financial at ( XXXX ) XXXX. 

From XX/XX/XXXX until XX/XX/XXXX I left 8 phone messages for XXXX XXXX at the number that I was provided and heard nothing until I received a letter from her dated XX/XX/2022 but postmarked XX/XX/2022. 

In her letter ( attached ), XXXX XXXX pointed out another time that Truist Fiancial had mishandled my account and she suggested that I request monthly bank statements from them. 

Truist did not resolve my problem and I was unable to speak with XXXX XXXX, despite that being the solution provided by the CFPB.

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 2022-12-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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:
I had a charge off at a bank account I forgot about of {$20.00}. When I left the account it had {$200.00} in it. The bank charged fees until all the money was gone, and then into the negative. I didn't even know about this charge off, because it never went to collections, didn't show up in my credit report, and I had moved to a new state and was never contacted by the bank. The bank then reported this charge off to Chex Systems. 

When I moved to a new state, I tried to open a bank account. No bank would provide me an account, because of the {$20.00} charge off showing in Chex Systems. I called Chex Systems to resolve the issue. Chex Systems then said I needed to call the bank to resolve the problem. It took XXXX weeks of calling, often times spending XXXX hours on hold, to finally get a person on the phone. Then, they said they would have someone call me about the charge off. No call after one week. Finally, I got a bank representative on the phone. They said I had to mail a check to them to take care of the charge off. This will now take another 1-2 weeks, because of the holidays. So, in all, I've had to go almost XXXX weeks in a new city, without the ability to cash a check, open an account or pay my bills, over a {$20.00} charge that I could have paid weeks ago. I went to XXXX different banks locally, and none of them would provide me with an account based on the Chex Systems charge off. I was prepared to open an account at all three with a $ XXXX deposit, but still, they wouldn't allow me to, over this {$20.00} charge. 

In my opinion, using systems like Chex Systems, is just another way for banks to bully consumers. If they are going to just charge off a negative account, they should report it to the credit agency like any other similar situation. And if they are going to use a system that will end up prohibiting people from being able to open a bank account entirely, they need to make it easy to pay off the amount owed. Making people jump through hoops like this is wrong. Not being able to bank in a new city for XXXX weeks has created a huge amount of problems for me. This is wrong and something needs to be done about 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 2018-03-13
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:
Last year I paid my debts. I started in XX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and XXXX. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that 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 2022-10-24
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I asked to skip a payment because I had car issues, the granted me the wish, when I made next payment of XXXX, none went toward loan what so ever, they never mention this to happen, I also asked them to lower interest rate from XXXX percent to something more manageable, was told could not, I either want the money back I paid that did it go for loan, it out it toward the loan

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 2022-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good morning, I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without my permission. I am requesting for Equifax to block and remove the following fraudulent account and inquiries immediately or legal actions will be taken. I did not benefit from any goods or services of these fraudulent account and inquiries. Your company has four day under FCRA 605B to block and remove these fraudulent accounts and inquiries. I also attached FCRA 605B to this correspondence. Please obey the law and block these fraudulent accounts and inquiries. 

1. XXXX XXXX XXXX ACCOUNT # XXXX Balance : {$54000.00} The following inquiries need to be deleted and removed immediately due to identity theft : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX  XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from American Accounts & Advisors on XX/XX/22 on a medical debt I pay the hospital directly on. 

This company has taken it upon themselves to report this to my credit illegally. And continue collection efforts even after contacting them regarding their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Mortgage Research Center, LLC
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received notice that Veterans United was transferring my VA backed mortgage to XXXX Mortgage XXXX XXXX. XXXX XXXX XXXX XXXX XXXX revealed that the company has a negative track record in both accepting payments and for transferring loans from other entities. In light of this, I contacted Veterans United on XX/XX/XXXX. The company said that XXXX XXXX would be in contact with me. 

I believe that Veterans United transferred my VA backed mortgage in direct retaliation for my CFPB complaint on XX/XX/XXXX and as a result of me being a XXXX XXXX. I have received nothing from XXXX XXXX to date and have no proof of who holds my VA backed mortgage. It is my belief that Veterans United is acting in retaliation for my prior CFPB complaint ( XXXX ) on XX/XX/XXXX. Any help you could offer me would be much appreciated!

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 2022-09-30
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts.I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

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 non-monetary relief
Consumer complaint received 2022-09-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving letters that states the creditor will reduce amount if paid by a certain date. They have reported the debt to the credit bureaus as delinquent. The debtor says that it was opened in 2020. I have disputed this through XXXX XXXX first then directly to the credit bureaus. XXXX XXXX and XXXX have gotten information back that it is an accurate account. I did not open this account or any account in 2020. I have no knowledge of who the creditor is. I have been given the information that if I communicate directly with the creditor, it will be like I acknowledge information of the debt. I don't want to add fuel to the fire, so I will not communicate directly with them. This has a negative impact on my credit score and I need help removing this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TD BANK US HOLDING COMPANY
State: WA
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 recently was awere that someone applied for a line of credit in my name, when I am absolutely sure I was not the one who applied to this line of credit. 

Installment Loan or XXXX Bank Account XXXX NORDSTROM/TD BANK USA got a copy of your XXXX Credit Report. 

XX/XX/2022 NORDSTROM/TD BANK USA recently checked your XXXX credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
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: Funds not handled or disbursed as instructed

Complaint:
I went to Bank of America close by to my house I have an account with them i went to withdraw from my husbands pay card XXXX XXXX so like mentioned before i withdrew from the atm at bank of america from the pay card {$1000.00} the atm spit {$190.00} XXXX bills of {$20.00} and XXXX bills of XXXX so the machine to find out was stocked up wrong i addressed it with bank of america i stayed at the atm for a while to call them this bank location has been closed for a year or more so i could not go in there i was instructed over the phone by bank of america to call XXXX ive called both bank to be honest i know i was not the only one because there was a group of people waiting outside a lady even went to the bank of america that was close to the one we were in because she got more money of what she asked machine was wrongfully set up wrong with the bills when i called bank of america and they told me we can not open the claim for you because i need to call XXXX mind i tell you the atm was still working giving people the wrong amount one lady too XXXX she got back XXXX ( XXXX XXXX bill and XXXX XXXX ) another got XXXX and received XXXX more i just want everything to be cleared i will be submitting a complaint for XXXX as well

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 2022-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my file credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these accounts. 
XXXX BANK XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2022 Experian reported to my bank, XXXX, a credit score of XXXX when in fact my credit score was XXXX at the time of reporting. The reporting of incorrect information had costed me a loss of {$10000.00} and a large decrease in my credit score.

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 2022-10-24
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
College Foundation has been the serviced of my federal loans for over a decade. These loans have always been federal Stanford loans and yet they have required payment since XXXX and the pause. Never have I refinanced or moved the loans which would put the federal label in jeopardy. They also have knocked my credit report when they should not have in XXXX. 

XXXX also makes it harder to contact them and make inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Paypal Holdings, Inc
State: MA
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 cash advances

Complaint:
I filed a complaint about this on XX/XX/2022. Complaint id is/was XXXX. The complaint was about Venmo and XXXX credit card. I contacted both companies on several occasions about being charged a cash advance fee and interest on Venmo charges. XXXX said it was Venmo, Venmo said it was XXXX. You only contacted XXXX about this. They responded that it was Venmo. So now I have to resubmit this thing so you'll go after Venmo. I have attached the response from XXXX. I am XXXX XXXX XXXX XXXX about this issue and ask that you please find out who's doing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TD BANK US HOLDING COMPANY
State: NY
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 contacted XXXX 's because I saw that my bill had late fees. When I contacted them they told me that I didn't pay the bill for XXXX billing cycles. I then paid my regular payment amount and have been paying them since I called them to see what the issues were. I also explained to the card company/department store that I was not notified about not receiving payments for XXXX billing cycles, and that I really thought I had paid them. I asked that the interest be removed and told them to make sure they call promptly when a payment is not received. The company removed the interest and has been reporting me as delinquent since my call to them and they have also been having an automotive machine contact me weekly since I initiated the call to them about my billing. I really feel as if the company is not playing fair and that they should have attempted to call me when the bill was not being paid, and at that time I did not get any calls from them. Having been a XXXX customer for about XXXX years, I am angered about the treatment I am receiving from the company. It is very unfortunate that I can not make up the payments missed, but if the company would have reached out to me during the first month that the payment was missed I could have sent it in. I really see that this company does not have their customer 's best interest in mind, and just wants to attack my XXXX XXXX. And to just let you know I have never been late nor missed payments before, so this should have been more than a reason to give me a courtesy call or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Opened Date XX/XX/2015 Balance {$350.00}, XXXX, XXXX XXXX XXXX Date XX/XX/2015 Balance {$870.00}, and XXXX XXXX XXXX Opened XXXX XX/XX/2015 Balance {$23000.00}.

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 2022-08-24
Company: Experian Information Solutions 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2020-01-19
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was behind on HOA dues. I was sent to collections. Fees were added. The company wants to charge me {$30.00} dollars a month to accept a payment arrangement. They also threatened foreclosure on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation