BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-01
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BB and T bank / XXXX XXXX ( was XXXX XXXX XXXX  XXXX XXXX XXXX begun correspondence in XXXX ( but haven't received dividends since XXXX ) sent letter asking for bb and t to investigate why i never received replacement stock certificates in bbandt / XXXX XXXX being the new stock that I have due to the acquisition and why i am no longer receiving my dividends. No success or response in accordance with letter mailed certified mail. I made numerous phone calls and still no resolve. I then involved a stock broker ( independent ) stocks were returned to broker with a letter stating that I had to contact them not a broker. I kept calling they kept telling me they would research and get back to me and never would call me. I finally contacted an employee that said I had to send in original certificate to them in order for them to research and investigate. I, due to unprofessional handling of my account, reluctantly did send in certificates. i then called XXXX/ bbandt bank and they could not find my certificates I mailed XX/XX/XXXX and they were foun XXXX XXXX bband t informed when i called ( after many many phone calls with no resolve ) that they stock certificates were found and mailed back to explaining that the stock was being traded still, but with a comlany called XXXX XXXX. I called XXXX XXXX  and they denied this and found no info about me or my stocks. i received the stock certs by mail on the XX/XX/XXXX they had been punch cancelled in error and fixed reinstating them by stamping and initially the error they had made during the time they had the orginals ( almost 2 more months. ) Ive been trying to resolve this issue for four years. bbandt bank / XXXXwas purchased and years ago i was told they made an erro rby not sending me converted stock certificates now after all the years of correspondence letters phone calls etc they are saying they cant find my account. I was a XXXX  XXXX with XXXX XXXX XXXX XXXX they were sold to bband t and my stock followed the new company.. I need my dividends and want to cash in my certificates.. I cant do this due to bband t ( XXXX XXXX ) not helping me resolve the issue. I have no where else to turn but to involve cfpb to help me in finding out why they wont help me get my stock account found and give me my dividends that haave n't been sent since XXXX and cashing in my stock certificates. Please help me resolve this issue I do not know what else to do and dont know where or what the next step of recourse will be. i have all documents and correspondence dates and receipts etc.

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 2021-05-12
Company: EQUIFAX, INC.
State: PA
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 am on a hardship program with XXXX XXXX  for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX XXXX XXXX or Equifax refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXX does not answer any calls for me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, 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 am a victim of ID theft and would like the CRA 's remove the inaccurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: PA
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 am on a hardship program with XXXX XXXX for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX  XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. Experian will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! Experian, XXXX XXXX or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. Experian does not answer any calls for me to contact them.

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 2018-04-18
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took a Payday Loan on XX/XX/XXXX from Advance America in XXXX CA. I received a letter from Advance America dated XX/XX/XXXX trying to collect. I made a payment in XX/XX/XXXX & XX/XX/XXXX. I started having some financial problems. I have not made a payment since.

As of XX/XX/XXXX I have been receiving phone calls from a company, XXXX XXXX, but they never said who they were collecting for until today, XX/XX/XXXX when I called them back. All they said was that my account was going to Litigation ( I believe they used that word ) & being sent to XXXX County courts ( XXXX, CA ). They told me the amount, which is over {$210.00} that I actually owe, but I did not write it down. I got angry & hung up on the person I was talking to because she accused me of totally ignoring any correspondence from Advance America or XXXX XXXX.

What do I do? How can I settle this problem? I am on a limited income, I am retired. I do not want them attacking my bank, although, my current checking account is NOT on file with Advance America anyway. Help!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, XXXX, Eqifax had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to  XXXX, Equifax, XXXX  and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on XXXX   ( {$260.00} ) and a collection for that same derog on Eqifax., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX XXXX XXXX  card from XXXX for the princely sum of {$260.00} along with XXXX charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( XXXX $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with 56 late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This dispute involves an instance of check fraud perpetrated on my personal checking account with Chase bank. XXXX XXXX XXXX was also involved, but has been very cooperative and I have no complaint against XXXX XXXX XXXX. 

Background : Someone had stolen an envelope from the mail containing two checks, dated XX/XX/XXXX, which I had mailed to my landlady on XX/XX/XXXX. One check was from my XXXX XXXX checking account, and the other check was from my Chase bank checking account. The individual who stole the checks, altered the payee name on both of the checks ( which was very obvious ) and either cashed or deposited the checks into their bank account, and, thereby, fraudulently collected the money from both of my personal checking accounts. 

The amount of the XXXX XXXX check was {$850.00}, and the amount of the Chase bank check was {$1700.00}. Both checks were cleared by both banks on XX/XX/XXXX. 

On XX/XX/XXXX, I realized what had happened and immediately reported the fraud to both XXXX XXXX and Chase bank. I submitted a notarized affidavit as required by Chase bank, and attached all of the relevant documentation to aid them in their investigation. 

XXXX XXXX XXXX took my information over the telephone and assured me that my money was insured, and that I would receive my money back if they determined this was a legitimate case of check fraud. XXXX XXXX has now concluded its investigation and will be returning the {$850.00} to me. 

Chase bank has told me that they are continuing their investigation, which can take from 30 to 60 days and could not guarantee that I will receive my money back. This is not acceptable to me. This was their negligence in allowing an altered check to go through my personal checking account thereby causing the theft of {$1700.00} from my personal checking account, and this is the reason I am lodging this complaint against Chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: Adler Wallach & Associates, 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: Account information incorrect

Complaint:
Company shows a debt of {$220.00}. All fees and balances were paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to have information in my file deleted IMMEDIATELY. I was notified today that the errors were resolved when in fact they were not there are still error on these same accounts that they stated were fixed and they yet once again are not and here I am once again wasting my time and money trying to get this resolved. I am so tired of having to dispute and go back and forth with the credit bureau and there still be information wrong. I am done with disputing these XXXX accounts and all of the inaccurate information that is on it. I have been trying for months to get ALL of the inaccurate information on this account fixed I have even disputed it though this XXXX AND THE CFPB already and everything once again was not fixed as it should have been. At this point I would like for these accounts to be removed that are listed above from my credit report because that is the only thing that can be done to satisfy me at this point. I have tried countless times for this to be fixed. It is against the law for you to keep having all of these inaccurate information on my credit file and it is unfair. Just delete the accounts to resolve this situation. 

How is it possible for me to go straight to 90 days late in XX/XX/2019 then go straight to 120 days late in XX/XX/2019 then 150 days late in XX/XX/2019. This pertains to just about all of the account. I can not be on time one month and then 90 days late the next month it doesn't make sense.

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 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX XXXX  Account # XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  Account # 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 2022-09-11
Company: EQUIFAX, INC.
State: FL
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:
Can not access my consumer report published by Equifax. Please review attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX bank XXXX XXXX XXXX XXXX, XXXX  XXXX bank, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX bank XXXX XXXX XXXX XXXX, XXXX  XXXX bank, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2018-06-01
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$17000.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo serviced my loan through  XXXX 2015, during which time I was involved in a Chapter   XXXX    Bankruptcy. I have requested on numerous occasions that Wells Fargo provide a complete detailed payment history from when they serviced the loan, since I have disputed the balance of the account. Wells Fargo has refused to provide the payment history, stating they have no obligation to do so. Wells Fargo is in violation on RESPA and CFPB loan servicing law. I am seeking your assistance on this matter.

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 2017-06-15
Company: BB&T CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called in   XX/XX/XXXX  to see w hat amount was needed to bring the account current. I was told I needed {$3800.00}. I called back about a week later and paid {$3800.00}. I 've made payments on time since I supposedly brought the account current. Now I 'm being told the account is past due {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Synovus Bank
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for secrure credit card month ago put  XXXX  dollars down on it for a security deposit have n't heard from them it 's called first progress master card need tknow if I am going to get it if not want my money b ack one month i s long enough

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One : Made a purchase of 1x item. 
Vendor charged me 8x. 
Filed a dispute of charges which was honored. 
1 week later reinstated. 
Called over a dozen times to no avail. 
Sent proof of purchase to no avail. 
Told by rep that proof of purchase from the vendor was never submitted. 
Paid for my 1x purchase and cancelled my card in XX/XX/2022. 
Even though I did not received my 1x purchase. 
6 months later, started receiving the fraudulent charges with interest. 
Unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to reach out to my mortgage company for almost 2 months to get the incorrect 30 day late removed from my credit report. I was never informed of the change in my mortgage payments prior to the first new payment in XX/XX/2021 and paid them within 30 days of finding out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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