BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX XXXX XXXXXXXX a transaction of XXXX was transfered to my credit card at a XXXX balance and never remburst. Then a lost cellular device and no Identification card left me XXXX and both my credit card and debit card would not transact correctly after my complaint. Then I a attempted to close my account and the refused and the social security office could not issue a payment card due to the routing number of my account was still active. I had to call the bank back reopen my account which they refused to close due to my deposits approaching XXXX XXXX then with a no notification my old debit card was blocked and I could not transact. the bank would not assist in person citing two pieces of id were required left me XXXX XXXX XXXX XXXX XXXX XXXX. I ordered a new debit card it came in the mail to a church and the bank refused to activate it. On XX/XX/2022 terminal number XXXX reported a XXXX balance and declined transaction. On XX/XX/2022 the same terminal reported on the receipt print out available balance XXXX and declined transaction. both after reporting inquiry approved.the error code XXXX, XXXX, XXXX, have all performed decline. I am citing fraud Because I opened the Bank of America account with the bank officer photographing my face in office and issuing my account three security questions to access my account. To resolve error transaction their agreement states to give my name and account number. I belive it to be fraud becuse my banking has had suspicious activity over their phone line XXXX which they claim is recorded, and the have allowed me to withdrawl with out id and change my online banking codes without id and now will not activate my debit card without id citing they can not verify who I am.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: IL
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:
On or around XXXX of 2022 I requested information leading up to why information was showing up on my credit report ( s ) about alleged verified information. After reaching out to the entity to verify the bureau 's information and finding out they don't verify information because it is personal information. It brought me to this agency to correct what the bureau 's are reporting as inaccurate information.

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 2023-02-28
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX I co signed on a XXXX XXXX XXXX  with Santander USA. I am sitting at a 20.9 % interest rate on a XXXX $ vehicle totally to once loan is paid off to XXXX $ I have reached out to the company 5 times now to get a name removal as well as copy of my contract and they will NOT send it to me. I need the contract to present to my lawyer to remove my name from the loan. I feel as if they are withholding information as I signed my name on an extremely predatory loan that the vehicle wont even last through the total months financed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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 don't know anything about this account and would like if you can send me any type of proof or information which shows that I owe this money and who I owe it to? I want you to mark these account as disputed because I do not know anything about this account.

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 2021-05-17
Company: EQUIFAX, 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 a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I been going back in forth with Bank of America to get my money back from a claim I filed with them they have been giving me the run around saying that my claim was approved then when I called them they are telling me something different. I been dealing with this situation since XXXX I was ask to give all required documents such I.D, police report and proving documents to get my money back I do that then I be told it is denied. I also have been told they have video footage of someone walking up to the ATM to take money off my card that is not me. I just want what I put in a claim for so I can pay my bills. So in XXXX I filed a police report stating that I was a victim of identity theft and my edd card was sent to different addresses as well as I didnt receive my stimulus checks. I talk to edd didnt know I was approved for edd because different representative would tell me I was denied getting unemployment until I sat on the phone for two hours in them telling me I was approved in that my card was sent to a different address. So I wasnt able to file a claim until XXXX of this year is because thats when I fought out. So I told Bank of America what happen in they tell me I was denied the claim because I waited to long to dispute the charges made on the account. Which is false I didnt know I was approved for Edd because I was being told I was denied for it by different representatives. I feel the people that work for Bank of America are new workers because everyday that I called I get told different things regarding my claim which is not right and people are not really doing their job. Im in the process of being evicted out of my house because of Bank of America not giving me back the money that I put in a dispute for. I just want my money so I can pay my bills and rent in get out of debit.

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 2019-09-10
Company: EQUIFAX, INC.
State: LA
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:
Since XX/XX/2019, Equifax has now spent nearly 90 days on my file and as of today 's date XX/XX/2019, they have not composed a simple personal statement unto my credit file as I have stipulated in plain, simple English. 

Equifax has acknowledged me as being a victim of identity theft but refuses to honor my XXXX insurance company claim regarding the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Price of car different than list sent to chase auto. Terms of loan different than greed upon. Accident conditions paper e signed not by me. {$22000.00} down car trade in {$12000.00} XXXX cash on {$32000.00}. Fraudulent signatures..registration tags. Not my email, old license, address submit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: SANTANDER HOLDINGS USA, 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:
This debt was incurred due to fraudulent charges, which according to XXXX XXXX XXXX Liability policy I am not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: IN
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've requested correction of from XXXX XXXX of amounts to be adjusted to correct amount for XXXX XXXX XXXX on Equifax report XXXX and XXXX .the amount wasn't corrected after payment made was not adjusted from XXXX. I disputed XXXX XXXX XXXX XXXX whom I've never had a contract with which was sold from XXXX XXXX XXXX XXXX XXXX amount of XXXX, XXXX XXXX, XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Social Security was provided in addition to documents showing that I had Indiana Family and Social Services medical coverage during these times. Due to the false and negative information it has harmed my credit and caused financial hardship to which it has violated my rights 15 U.S.C 1692, 15 U.S.C 1666 and ( T.I.L.A ) ( F.D.C.P.A ) XXXX  XXXX XXXX XXXX, XXXX, has settled in Lawsuit is closed was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Settlement has be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to get information to verify debt and disputed debt with this company. I asked for validations and proof of accounts or contracts and never received it. I never did any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a payment of {$550.00} on XX/XX/XXXX. I made a payment of {$20.00} directly after I sent that one but the bank did not explain to me where they money went. I watched it leave my checking account it was sent to XXXX XXXX. Truist Bank is the bank that I used. I talked to two people that told me the money did not leave my account when I saw it myself

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 2023-02-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan servicer refuses to provide past escrow accounting starting from the origination date of my loan. They refuse to send me my money if there are overage disbursements. They have only sent me reports dating back to 2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: STERLING JEWELERS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/2018 my house was caught in the devastation of the hurricane following this I sustained damage, loss, and significant financial strain. With this situation at hand, I was unable to make my XXXX card payment. I reached out to the card organization and explained that I was affected by a natural disaster. I resumed payments the very next month and have been otherwise consistent throughout the entire 11 yrs I have held this account. What I do not understand is why this specific reporting during this time was not reported as AW to reflect that I was impacted by a natural disaster. I have even reached out and requested goodwill removal only to be met with " We are required to accurately report. '' I believe that the way this mispayment is being reported is misleading and does not in fact hold true to " accurately reporting information. I did some research and there were actually studies conducted by the CFPB outlining how crediting reporting during Hurricane Florence impacted many consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: LAND HOME FINANCIAL SERVICES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. I financed a manufactured home through Land Home XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Il XXXX. I borrowed {$180000.00} to do so as a construction loan. 
2. XXXX XXXX charged me interest on a {$210000.00} loan balance from XX/XX/XXXX through XX/XX/2022. XXXX XXXX had approved me for a {$210000.00} loan, but I did not require that amount. I used about {$180000.00}. However, they charged me interest on the full amount until the loan was recast on XX/XX/2022. 
3. XXXX XXXX was to impound insurance and property taxes on said HOUSE as a stipulation of the loan. 
4. The current escrow and loan do not reflect any Property Taxes on the HOUSE I financed.

5. The only property taxes XXXX XXXX impounded is on XXXX valued at {$25000.00}, which is {$370.00} annually. 
6. I own the land free and clear. 

I have contacted XXXX XXXX on many occasions to discuss the problems with the loan. Each time I talk to a representative and they tell me a different solution. I can not find anyone high up enough to solve my problems. They have sent me several letters which state the same exact thing as the first letter. 

The loan was not written correctly in the first place, and XXXX XXXX did not redraft the loan papers to fix the errors. Instead, they persist in charging excessive monthly escrow fees over and above the {$1600.00} needed annually for the escrow account. 

They are charging me {$410.00} per month. It should be about {$200.00} per month.

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 2023-04-27
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Reviewing my account and payment history. Capital One is reporting a late payment to both XXXX and XXXX for the month of XXXX. This information is false, and the history shows where I even paid extra for that specific month. I will attach the payment history from their own website. 

I attempted to reach out to Capital One on numerous days, only to be hung up during an automated transfer several times. I tried their chat system, and it directed me to call. They are also not reporting all of my payments monthly on my consumer report. 

The law states this information has to be 100 % accurate, or it must be removed or deleted. 
I am requesting that it be deleted from both my XXXX and XXXX consumer report. Furthermore, I did not give them permission to furnish this info to the reporting agencies. 

FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) state this information is to be excluded from being reported to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Mobiloans, LLC
State: WA
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 have disputed this account from my XXXX consumer report on multiple occasions because I never gave XXXX or MOBILOANS direct consent to furnish this information. No direct consent is identity theft! On XX/XX/2021 I served MOBILOANS with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. They have also been harassing me by communicating indirectly to XXXX and publishing information that is harmful and defamation of my character! It is a fact, XXXX has NEVER had my direct consent to furnish this information on my consumer report. I have received multiple notices from XXXX stating that this account has been verified as accurate without providing any adequate documentary evidence that I gave them consent to furnish this information. I am demanding that they delete this account immediately as they are harming my reputation as a consumer!

Company response to consumer: Untimely response
Consumer complaint received 2022-05-18
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The seller 's agent for our new home, XXXX XXXX, of XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX made an attempt to force us to use his preferred lender Guaranteed Rate, XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX XXXX threatened to cancel our accepted offer if we didn't use Guaranteed Rate. 

In the end we held our ground, but found this highly unethical and very suspicious.

Company response to consumer: Closed with explanation