BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRUSTMARK CORPORATION
State: MS
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:
Trustmark Bank failed to request the title from Bank XXXX XXXX after entering into the contract on XX/XX/2021 making my payments for more than a year I went to renew my license plate and the tax accessor informed me I could not renew without contacting my lender, I called the bank and was told they had no title and they were investigating the matter, for 5 weeks I've been kept in the dark and accused of being some part of the problem. This transaction, the paperwork and loan signing took 3 days, 3 different loan officers, who I was told " were in training " this file was " misplaced '' twice and the signing was rescheduled XXXX XX/XX/2021 I met with the seller XXXX XXXX, at Trustmark bank where he, XXXX XXXX, gave all the original lenders information, Bank XXXX XXXX, the loan officers name who handled his original sell address and telephone number along with every detail regarding the original loan. Trustmark also has XXXX XXXX contact information as well as mine of course. I have bought multiple vehicles and never have I been responsible for requesting and re titling any vehicle to include the new lien holder information, nor was I asked to this time. But after 28 years doing business with Trustmark and going to the branch monthly for 13 months never being notified of any problem, I am now kept in the dark about anything regarding the issue I've been told that this was my mistake, that XXXX XXXX had the title, this is not true. Bank XXXX XXXX never received the proper paperwork from TRUSTMARK therefore the title was sent to XXXX XXXX 3 months ago. XXXX has had the original title for more than 3 weeks and still the only information I've been given is that this is my fault not Trustmsrks and I will have to wait it out. I am now 5 weeks past my expiration on my license plate. Not to mention I am astonished and completely out of patience with the unprofessional behavior that Trustmark has exhibited not one apology has been offered. I do 0lan to hire an attorney at some point but I refuse to let this behavior go, so that Trustmark can continue to disregard others as tho we're not important unless our account holds XXXX figures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact XXXX  about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct information please investigate this thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact XXXX  about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct information please investigate this thank you.

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 2022-03-30
Company: CARD Corporation
State: OK
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:
On XX/XX/22 XXXX XXXX XXXX XXXXharged my card XXXX for services I never had I filed a dispute on XX/XX/22 it was closed I sent in documents from the company to CARD.com on XX/XX/22 and my case was still not reopened or even look at again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
in accordance with the fair credit reporting act.XXXX account number.i dont see a account number on my credit report but i am pretty sure you can figure it out with my personal information.anyways my rights were violated 15 u s c 1681 section 602A have the right to privacy and 15 u s c 1681 section 604A section 2, it also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-03-10
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I used a chimney repair service, XXXX XXXX Chimney Sweeping ( https : //avantchimney-alhambra-chimney-sweeping.business.site/ ). They sent a chimney sweep XXXX XXXX to my house. After completing the work, he refused payment by check and demanded payment through Zelle. I paid him {$1500.00} for chimney cleaning/brick repair and an additional {$200.00} deposit for a cap and damper both through Zelle. The brick work he performed was subpar and fell apart within 10 minutes of him leaving my house. He returned and attempted to repair it but made it look much worse. He also did not put down any plastic sheeting and mixed mortar in my living room leaving a mess. I spoke to his boss " XXXX '' who said he would refund me the {$200.00} deposit ( since we cancelled the cap and damper work ) and {$400.00} towards cleaning my house. I called Zelle and they refunded me the money subject to an investigation. A few days later, the money was removed from my XXXX checking account and I was told to resolve the issue with the business directly. Since then I have tried to call and email XXXX. The phone number listed on the website no longer works. XXXX, the XXXX refuses to answer my calls to his cell phone ( although I have texted him photos ), and it turns out the chimney sweep is an unlicensed contractor ( after checking with XXXX XXXX ) and perhaps works at a company called XXXX XXXX XXXX XXXX. XXXX is actually an answering service called XXXX XXXX XXXX. I would sue them in small claims court but have been unable to find an address for any of the companies involved and believe the setup to be fraudulent. I have repeatedly requested my {$200.00} deposit back plus the {$400.00} for the cleaning fee but my repeated attempts at resolution have gone nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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:
I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
So I found out I have a Capital One account I did not apply for and they used my credit now my credit score is very low I will like to process with fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The credit bureau is reporting three accounts on my credit that do not belong to me. Two of the accounts are under the company " XXXX XXXX '' and the third account is under the name " XXXX XXXX ''. The account numbers are " XXXX '', " XXXX '', and " XXXX ''. I have sent disputes to delete these accounts from my report on XX/XX/17, XX/XX/17, XX/XX/17 and nothing has been done to properly address my concerns. I have only received generic letters from the bureau telling me the information has been verified and that I need to call these companies. I am filing this complaint because I have already spoken to these companies and they can not pull up records that match my personal information. The credit bureau is placing other persons ' accounts on my credit and it is most likely due to my common name. I am not the XXXX XXXX who opened these accounts, I do not have unpaid debts with these companies and I have never received any bills or mail from them in the past.

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 2022-03-10
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Myself and my husband had two accounts in wells fargo, one checking and one saving, we currently live in XXXX and never use our ATM card outside USA. In XX/XX/XXXX we had a balance of {$4500.00} in our checking account and {$2700.00}. 
In XX/XX/XXXX, I received a notification that my accounts has insufficient funds, so we call the bank and we reported that we didn't do any withdrawals or payments and that our account had fraudulent withdrawals. We had been calling the bank multiple times since XX/XX/XXXX and we haven't had any answer about our money. 
We set up an appointment on XX/XX/XXXX, to the branch in XXXX XXXX, CA, to do the claim in person but unfortunately we couldn't attend because COVID19, the XXXX XXXX border was closed for tourist. I was able to go in person until XX/XX/XXXX, and the Person in the bank told me that the claim had to be done in a period of 3 months, I did cancel all my ATM cards on that period but they said they can find any reports on their system. After several attempts, calls, and visits Wells Fargo closed our accounts and they refuse to give us our money back.

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 2019-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank Of America explained to me that they have a contract with XXXX and XXXX which means if any of the banking customers are members with XXXX or XXXX they will pay the membership fees no matter if you have enough funds or not in your account ... .this is a problem I reported to the XXXX office and someone from BOA was in charge of the investigation who not only waived the fees but promised this would not happen again ... 
Well it happened again. I am a member of XXXX and they use my debit to withdraw a fee in the amt of XXXX each month ... .I switched my billing preference to my credit card two months ago and not my debit card during my complaint with XXXX. On XX/XX/19 BOA allowed a charge to go through to my checking acct which put me in the negative ... .the day after they charged me a XXXX NSF fee ... .I asked why were they allowing charges to go through to my debit card when it should be declined ... .I also told them that I stopped XXXX from using my debit card months ago ... .they could not provide me with an answer so I asked for a manager ... manager got on the line and told me he was not waiving the fee and he suggested I open another checking account that meets my needs ... I asked him how dare he try to strong arm me into another acct and disregard their illegal fee games for company gain. ..please tell me how I can start a class action law suit

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 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
my son attended XXXX XXXX XXXX in XXXX Georgia in 2009 which I cosigned a loan for at the time, between then and now I accumulated delinquents and defaults on my credit report because of financial difficulties. I am now getting my credit updated and is having difficulty doing so because between DOE and the XXXX XXXX collection agency it is showing that the loan was renewed or updated in XXXX of this year and XXXX XXXX was under investigation for tuition fraud and the bureau of fiscal services or DOE has been intercepting my refunds for some years now. It has been 10 years this year and now that I am trying to clean up my credit they renew 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 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have a prepaid Bank of America Visa card with about {$40000.00} on it as a result of California pandemic unemployment payments. 

Bank of America will not permit me to take the balance of all funds from the card and deposit same into my checking account at another bank. 

They will only permit periodic transfers of {$3000.00}. 

After calling Bank of America, I went to a Bank of America branch oXXXX XXXX in XXXX XXXX, California and the teller with whom I spoke asked me if I had an account at Bank of America ( no ), told me that there was a limit on my ability to withdraw from the card and that I need to get my bank, XXXX XXXX XXXX XXXX, to transfer the funds from the card into my account. I went to XXXX XXXX XXXX XXXX this week, after Bank of America, and was told that Bank of America has to transfer the funds. 

I spoke with Bank of America over the telephone twice and got different information each time. 

This seems to be an unfair business practice since Bank of America will hold onto these funds, pay no interest, until I can serially remove {$3000.00} a week from the card until exhausted. 

I read the " California Employment Development Department Digital Account Agreement '' ( effective XX/XX/2020 ) and it says nothing about a limit. In fact, it states that one can close the account by requesting a check for the balance and paying a " paper check fee. '' Please see what you can do to allow me to close this account and deposit my funds into XXXX XXXX XXXX XXXX. 

Thank you

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 2022-09-07
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get my LexisNexis consumer report for 3 months. 1st response -Unable to process request. Resubmit your request. Which I do, with the exact same info. 2nd response -Use this PIN to access your account. PIN doesn't work. Resubmit your request. Which I do with the exact same info. Response 3-Unable to Process Request. Response 4-Use PIN. PIN doesn't work. Response 5-Unable to process request.

I tried calling & was on hold for over hour before I gave up. I received my report a year and a half ago which the exact same info so I don't know what they can't authenticate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a letter to XXXX comenity bank, almost 2 months ago and they have not responded to the letter that I sent. I asked them to verify how they got the information that they are reporting on my credit report. So what they did was try and update it on my credit report as closed XXXX XXXX but listed a payment XX/XX/XXXX XXXX. How can a payment be made on a closed account. Plus if this account is closed and so called listed under bankruptcy how are you all still updating this account. You just updated XX/XX/2021. However, I am still waiting on my letter on how they even got any information to list on my report. I have contacted XXXX Pacer and also the courts. Which they have sent letters that they did not report this to your company. And if you got this from XXXX there records were wrong and they have removed this from there recoreds also. I will attach letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to r=the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX / XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2022-09-07
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to r=the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX XXXXBalance : {$0.00} XXXX  3445466289PA0****Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX / XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation