BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I consumer XXXX XXXX entered a consumer credit transaction with XXXX XXXX XX/XX/2019 in which Regional Acceptance Corporation I extended credit of {$12000.00} in consumer credit financing charges. XXXX XXXX accepted cash in the amount of {$1000.00} in this consumer credit transaction there by making this contract void and fraudulent pursuant to 15 USC 1605 defines finance charge as sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX accepted took cash. The finance charge is suppose to include insurance but XXXX made me purchase insurance separately. 

Regional Acceptance Corporation is in violation pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusion clearly states a consumer report does not include any transactions or experiences no payment history should be reported according to FAIR CREDIT REPORTING ACT Also pursuant to 16 CFR 313.15 - Other exceptions to notice and opt out requirements. 
and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods I am exercise my right to opt out of consumer reporting of all non public information by Regional Acceptance Corporation Regional acceptance did not give clear and concise information of any of these right to opt out of consumer reporting I also notified the FEDERAL TRADE COMMISSION and the OFFICE OF CONSUMER FRAUD AND PROTECTION

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 2021-11-16
Company: Brightfunders, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filed a complaint on this company at the beginning of XXXX, complainant ID : XXXX. They expressed that I will no longer receive anymore correspondence. Today I received another letter, so they ignored my request to cease all communication! 
This is nothing less than harassment and they not only disrespect my privacy, but your lack of enforcement! Do something immediately or Im going hunting, and you can catch it on the news!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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    XXXX  2016  I  went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.

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 2017-06-02
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Earlier this year my mortgage company sent me a notice saying that they had under charged me last year  ( 2016 ) for my escrow in the amount of {$2400.00}. So they gave me a 30 day notice saying that my mortgage was going to increase {$300.00} for 12 months until I paid the full amount of {$2400.00}. I called them last week to ask why I am responsible for that amount they said it was an oversight on their part. I told them I could not afford to pay that amount as it is more than what I make. They said they would reconsider lo wering the payment if I made a full payment of {$2400.00}. Needless to say I have have been struggling to maintain payments ever sense through no fault of my own and they have refused to assist due to their negligence and shoddy loan servicing practices

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
State: MO
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 really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX XXXX  XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX  XXXX  Date Opened>> XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: LDF Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
My identity has been used .. multiple cash loans have been taken out. Sky trail will not work with me and wants to money out of my account. Which my account has been changed due to identity theft. Someone has taken over my phone, my accounts, has called my credit cards and gotten advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
Experian stated that accounts that i know are identity theft account belongs to me when i know that they are not

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 2017-06-02
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Regarding  a Citibank Aadvantage Master Card  I have moved overseas and no longer  have a US  phone number. I called in  XXXX  to try to close the account. I have had the account for 2 years.  <P/> I failed the security question which was the bank account number used to pay the last amount due. This is because I am overseas and my father paid the last amount due.  <P/> 
Citibank then asked to call me to confirm who I was for security purposes. I gave them my overseas phone number. They never called it. When I called back they said that they had no ability to call an overseas number. I was very frustrated at learning this as I am spending a ton of money calling them from overseas to try to ca  ncel the card!  <P/> I was then blocked from my online account because of a security problem with my account.  <P/> I called again because in  XXXX  they increased my credit limit! Still I am unable to cancel the card or the account.  <P/> I have begged them to give me someone to write to or call to cancel the account but they are unable to help me. I once asked for a supervisor and they put me on hold for ov er 20 minutes. Because I am calling them from overseas on my dime I had to hang up as the costs of the call were mounting!   <P/> What do I do?

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 2017-06-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery Corp  is unable to collect in Texas.   Sectio n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection i n Texas unless the third-party debt collector or credit bureau has obtained  a surety bond  and filed a copy of the bond with the Office of the Secretary of State.     ERC opened a collections account on  XXXX / XXXX / 2017 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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:
I am intrested in processing disputes on my credit report with experian. alot of information is not validated. please review all data listed to help clear my file. checking the information on my credit report is not 100 % accurate. delete all inaccurate information on my credit report to clear my file asap.

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 2017-06-02
Company: Navient Solutions, LLC.
State: CA
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:
In  XX/XX/XXXX  I signed up for the student loan forgiveness repayment program as I 'm a   XXXX   XXXX  , working for a   XXXX   XXXX  . I was told in ten years my federal loans would be dismissed. In   XX/XX/XXXX  I  noticed I was no longer in the repayment forgiveness program. I calle d Navient and they said I would have had to renew this each year. I told them I was unaware of that and I never received anything in the mail to notify me to renew. Navient stated that it 's only a courtesy to send out renewal paperwork but they do n't necessary do it. They did not help me. Basically I lost five ye ars of payments toward loan forgiveness. They deceived. And they did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: BROKER SOLUTIONS, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX 2014 our house burned down. We had our mortgage with XXXX XXXX XXXX, our insurance settlement was sent to XXXX XXXX XXXX and held in escrow. XXXX XXXX XXXX reported one of the escrow disbursements as non employee compensation. The other disbursements were correctly reported to the IRS. Now the IRS is taxing me on {$87000.00} worth in income as XXXX XXXX is reporting it as if I worked as in independent contractor for them, not as an insurance settlement disbursement which is what those funds are.
I have never worked for XXXX XXXX XXXX, the other disbursements were not reported as non employee income. XXXX XXXX has refused to allow me to talk to the lost draft department, they said a supervisor would call, which they have not in 2 business days and they sent an email indicating the funds were reported correctly. If they would like to pay me the {$87000.00} they are reporting that they did, I would accept those funds and pay the taxes and penalties. However it makes most sense they correct the reporting to the IRS. I have also tried to call HR and multiple people at customer service. I do have all their contact information etc. The customer care folks said it was capital gains and that I should talk to my CPA. It is not as the house was never sold. We rebuilt it, refinanced it and live in it. They also said the XXXX does n't show that information, however the IRS 's says otherwise. I requested a copy from XXXX XXXX and they said they do n't even have a XXXX other than the {$250.00} in interest from the escrow account. The IRS has requested verification of this income. Their unwillingness to resolve this problem is not only frustrating but unacceptable. You ca n't report income to the IRS incorrectly, then be unwilling to resolve the issue.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On  XXXX   XXXX ,  2017  I submitted a domestic wire transfer request to transfer {$10000.00} from my brokerage account at  XXXX   XXXX  to  XXXX   XXXX   XXXX  's account at Bank of America. I inadvertently entered the wrong receiving account number for  XXXX   XXXX   XXXX  's account, i.e. I omitted  XXXX  digit. On  XXXX   XXXX ,2017, the money was returned by Bank of America, minus a {$45.00} fee.  <P/> Since I had no contract or agreement with Bank of America to pay any fees, I do not feel Bank of America has any right to take a fee from me. Of note, Bank of America 's normal fee for an incoming domestic wire transfer is {$15.00}, which makes their taking a {$45.00} fee from me, and I am not the receiving party, even more unreasonable. As the sending party, I have agreements and obligation only with my bank,  XXXX , which does not charge me a fee.  <P/> Therefore I am asking that the {$45.00} fee taken by Bank of America be returned.

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 2017-05-31
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The bank in question is XXXX XXXX D/B/A Wal-Mart Card. This card offers a promotional interest rate which I usually use for XXXX shopping. This promotional rate usually fails ( due to a complex process that is constantly under changes by the bank ) to take effect and calls and online chats with the company can usually resolve this. However, this did not work this last XXXX. I made a large purchase on Wal-Mart.com and after I was told that only in-store purchases were elegible for 0 %  interest. I at that point requested paper stetements, which I am now getting. Then they deleted all of my account history from my online account. As i did not recieve paper statements before, I have no history of my purchases. So here I pay 24 % interest until it is paid off. Today XX/XX/17 I am unable to download a PDF statement online, so I guess that is gone too. I looked this bank up on the BBB here : XXXX XXXX XXXX XXXX Here is their own summary from their page ; A+ BBB Rating System Overview Customer Review Rating : 94 % [ 30 ] Positive Reviews [ 23 ] Neutral Reviews [ 783 ] Negative Reviews [ 836 ] Total Customer Reviews [ 4,854 ] Total Customer Complaints Really? I am unable to file a BBB complaint because the page goes dead when entering the complaint process. Also somehow thay are rated A+ so there goes the BBB 's reputation. This company thought of everything. I believe they purchased this rating. All that I can do is say I am an honest person and keep my promises so I can not recommend this company because they are predatory in every way. Thank you for your time. XXXX XXXX XXXX, NH

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 2021-11-16
Company: Bread Financial Holdings, Inc.
State: NM
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:
Someone filed an unemployment claim with New Mexico XXXX XXXX with my correct DOB and SS #. And today ( XX/XX/16 ) someone filed an application for a line of credit with Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: OH
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:
I AM VERY UPSET OVER THIS ACCOUNT!!!! I HAVE NEVER BEEN LATE ON A INSTALLMENT ACCOUNT. EVERYTHING I HAVE IS ON AUTO PAY! PLEASE DELETE XXXX XXXX XXXX  # XXXX NEVER DONE BUSINESS WITH THEM UNKNOWN ACCOUNT JUST POPPED UP OUT OF NO WHERE????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: LEXISNEXIS
State: IL
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: Other problem getting your report or credit score

Complaint:
I have tried several times to get my consumer credit report from Lexis NexisXXXX. XX/XX/XXXX) ( XX/XX/2021 ). They are claiming that they don't have a file on me yet I was able to place a Security Freeze with them. I sent them all the required documents they required yet they still say they're unable to locate any data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Transunion my consumer report and I've noticed XXXX unauthorized inquires and XXXX fraudulent account XXXX XXXX XXXX XXXX Amount # XXXX that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. This same XXXX XXXX XXXX XXXX account is not reporting on my XXXX Credit file that I will attach to this complaint. I never authorize the inquiries or authority to furnish these deceptive and misleading items and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights. I will also have my Identity theft Report ( FTC Affidavit ) Attached.

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 2017-03-13
Company: Veem  Inc.
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent USD {$11000.00} to someone in XXXX on XXXX XXXX. It is now XXXX XXXX and it still has not been received. The company keeps coming up with new excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged excess insufficient charges and money was available. The bank wouldn't reverse the fees.

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 2021-11-16
Company: BARCLAYS BANK DELAWARE
State: NY
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 had a Barclays View Mastercard which incurred a fraudulent charge on XX/XX/2021, for {$530.00}. 

I was unaware of this, and the card had actually not been activated at the time of the charge. I became aware of the charge on XX/XX/XXXX, when I received an email that I had a payment due on XX/XX/XXXX. 

I immediately called Barclays to report the fraudulent charge, and also to close the account. I was told by a Relationship Manager that an investigation would be opened, that the charge would be tagged as fraud, and that I would receive a confirmation of this. 

This did not occur. After checking the account again on XX/XX/XXXX and seeing that the {$530.00} balance was still posted, I called Barclays again. Again I was told that the charge would be marked as fraud, and that it would be resolved within 24-48 hours. The Relationship Manager said that, in fact, it had not been tagged as fraud ( as the employee from the initial call assured me it would be ).

I was also told that identical charge attempts had been made previously on the card, but were rejected. Prior to my calling Barclays, I was never notified of any of this. 

I checked the balance once again on the due date, XX/XX/XXXX, to find the balance still active. I called again, and once again, the Relationship Manager said that the charge had not been tagged as fraud, despite the assurances from both previous calls. Once again I was told that the charge would be tagged and resolved within 24-48 hours. 

I requested written/email confirmation of this, but Barclays refused to provide it. 

I am left with the conclusion that Barclays is simply lying about fraud investigations to customers. Due to their deception and inaction, my credit score appears likely to be hurt, because it will appear that I simply did not pay this balance.

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