BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
AUDI FINANCIAL SERVICES IS RIPPING ME OFF AND FRAUDUENTLY CHARGING ME EXCESSIVE FEES FOR MY AUDI. THEY ARE IN VIOLATION OF THE LAW AND PERFORMING ILLEGAL PRACTICES. 

I WAS PAYING {$770.00} TO AUDI FINANCIAL SERVICE FOR MY LEASE, THEN I BOUGHT THE SAME CAR AND AUDI INCREASED MY LOAN TO $ XXXX MONTHLY BECAUSE THEY DID NOT WANT ME TO KEEP THE CAR. THEY WANTED ME TO BUY ANOTHER LEASE WHEREAS THAT WOULD LOCK ME IN SO THEY COULD MAKE MORE PROFIT OFF ME. THEY CHARGED ME AN UNFAIR HIGH INTEREST RATE THAT DID NOT FIT WITH MY INCOME. WHAT THEY ARE DOING IS ILLEGAL AND THEY SHOULD BE PROSECUTED TO THE FULLEST EXTENT OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: SUNTRUST BANKS, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made the mistake, as Im sure others have found the hard way, that XXXX XXXX offers no consumer protection despite being affiliated with major banking institutions ( such as mine with Suntrust ). Unlike XXXX, if you initiate a payment to someone who turns out to be defrauding you, there is no recourse. Even if you become aware of the fraud within minutes, not days. 

I never used XXXX before, and I can tell you I never will again for this very reason. I was buying event tickets today ( XX/XX/XXXX at XXXX EST ), the guy showed me the actual ticket purchase via XXXX by including a screenshot in an emai, and he said he would immediately transfer them via XXXX once I paid him via XXXX . I told him I never used XXXX before, and he told me how safe it is since its offered by major banks as a service offering. I naively thought my bank ( Suntrust ) would stand behind me if there was any kind of impropriety ; that is not the case. 

I have a name, address, cell number, XXXX account name and affiliated phone number, a screenshot of the XXXX purchase transaction, and texts and email exchanges documenting everything. 

Im a mother of XXXX kids with XXXX XXXX who wanted to see a comedy show with a friend as our XXXX gift to each other. I needed just a night of lighthearted laughter, since I dont have a lot of it in my life. Instead I spent every last dime I had to spare, {$140.00} to be exact, to line the pockets of a scam artist via an app my own bank endorses and supports. 

XXXX and Suntrust Bank offer zero Consumer Protection or recourse against Fraud when using this money transfer app. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: MOHELA
State: OR
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:
I had long term loan w XXXX paying for over 15 years on time. With new XXXX terms I was strongly encouraged to file for XXXX relief. I was told I must consolidate my FFLEP loans and transfer to MOHELA. XXXX Mohela account number is XXXX. ** I called XXXX to discuss and MOHELA before applying in late XXXX. In XXXX loan data it showed payments back to XXXX. My payments thru Navient were under {$300.00} until I was told to consolidate by XXXX along with PSLF app. I contacted Mohela and was advised to send XXXX app at same time as consolidation app which I did in XXXX. But once submitted ALL records of my past payments are missing in XXXX and not credited by Mohela towards forgiveness! My new interest is good but starting in XXXX my payments will be {$700.00}! My work history appears to have qualified ( as it should ) but NO CREDIT towards forgiveness for all those years. They have this posted on website as my PSLF status. 
Received Date Status Description XX/XX/XXXX Processed A notice has been sent. Please allow 7-10 business days for the notice to be received. I called Mohela and they reported previous payments will be posted once confirmed. Confirmed by whom? No record yet and my credit report reflects total debt the same w payments due next month. This makes me worse off than I was. Please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I received a letter from XXXX XXXX XXXX in reference to Account Number : XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. For a debt they say I owe that they have not validated. I send them a certified letter asking for proof that this debt is mine and they have failed to respond, it has been over 30 days.

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 2021-07-02
Company: EQUIFAX, INC.
State: AR
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 have been trying get this off for almost a year, I have sent letters, made calls and filed disputes and file complaints, with little to no response or results. XXXX  has placed an closed Entergy bill paid in XXXX XXXX on my credit report in the closed section, as a XX/XX/XXXX reporting date with a {$99.00} balance, reporting it was in collection before paid 3years earlier. All three credit beau XXXX XXXX and Equifax are reporting inquires that is not mine Certified credit XXXX XXXX  XX/XX/XXXX, Data Facts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XX/XX/XXXX. XXXX  XXXX XXXX XXXX XXXX inquires that is not mine. Equifax is reporting XXXX XXXX XXXX XX/XX/XXXX, is not mine. A address XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AR XXXX not my address. and XXXX  and XXXX is reporting a address XXXX XXXX XXXXXXXX XXXX, CA XXXX is not mine Incorrect reporting of my name XXXX, XXXX Please remove from my credit report items that are not mine and correct my name please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: FL
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 regarding an account reporting on my personal Experian credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 
2 ) The date of last payment is reporting XX/XX/XXXX also not accurate! The other two bureaus report different dates. 


On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7300.00} to {$7400.00} which is not accurate! The other two bureaus show different balances!

2 ) The date of last payment switches from the month before from XX/XX/XXXX to XX/XX/XXXX! Very inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$0.00} which is not accurate! 
2 ) Same issue with balance reporting {$7300.00} when the month before was {$7400.00}! Not accurate! 
3 ) The date of last payment is reporting XX/XX/XXXX when the month before it was XX/XX/XXXX On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7400.00} when it was {$7300.00} 2 ) The date of last payment changed again! All Inaccurate They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to 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 2023-02-21
Company: Experian Information Solutions Inc.
State: VA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: FL
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2021-03-22
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans was required to pay my property taxes via my escrow account in XX/XX/XXXX. As of today, XX/XX/XXXX, my property taxes are still outstanding. I have contacted Caliber three times and have been told they show that the taxes were paid on XX/XX/XXXX ( which is a violation, even if it were accurate, because they are required by regulation to pay in XX/XX/XXXX per Florida requirements ). I have now closed a refinance loan with another lender and had to pay my outstanding taxes ( again ) and the late penalty. I would like my escrow refunded as my taxes were never paid. Caliber Home Loans has not been responsive and I am concerned I will never get my escrow funds back. I have documentation showing the taxes were never paid, but that nearly {$4000.00} was withdrawn from my escrow account on XX/XX/XXXX. I also called the XXXX County Tax Collector who verified that my taxes were never paid on or around XX/XX/XXXX and that as of today they are still outstanding. These taxes will be paid soon by my new title company, however Caliber Home Loans needs to refund my escrow in the amount it withdrew plus the late penalty fees I had to pay due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian has changed my name to a name that is not mine on my credit report without any legal documentation in that name on file. They are refusing to change it back without me submitting multiple forms of ID. And refuse to acknowledge their error.

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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Starting XX/XX/XXXX I thought I was applying for a remote job position, I contacted a friend that posted the job on XXXX and I was asked to send my personal infiormation to her to give it to the hiring manager and I was contacting by XXXX XXXX  that asked me information about my life and about the job well she explained to me that I got the job and explained how much I would make and so on, she stated that the job would come with a new computer from the third party source hey used, I didn't think any of this was strange she also told me that the funding would come in batches and I needed to be patient and trust the process, we communicated daily to every other day it started with a small check for {$550.00} on XX/XX/XXXX I deposited in my XXXX account as directed it was returned then on XX/XX/XXXX she told me to deposit {$1900.00} into my XXXX account as well to cover the overdraft of the {$550.00} so I deposited it that check went through no issues then on she XX/XX/XXXX she sent another check for equipment for {$1700.00} for yet again XXXX that was returned and then on XX/XX/XXXX for {$2900.00} which the bank put on hold for extensive hold with no problem then she contacted me again and wanted me to deposit {$2400.00} in the XXXX XXXX XXXX account which I did, she wanted acess to my account at this point I didn't trust her at all so I changed all my information and didn't grant access at first I did but I was growing vey suspicious of this person and the job, so I went into XXXX XXXX XXXX to deposit the check, they placed a hold on the check then the last time she sent me a check was XXXX for {$1400.00} that I deposited into Bank of America when I seen the check was from there I asked if I could use my account and she stated yes and that's when I did a moble check deposit. I went to check my account and it was locked and I could not access anything so I waited until yesterday morning to contact the bank they told me that my account had been closed due to the fradulent check that was deposited no questions asked they just closed the account and stated that the funds remaining in the account would be mailed to me to me on XXXX XXXX. Also I got a call from XXXX XXXX XXXX stating that they were closing the account there as well with no explanation but to say the check was fradulent and with it being a new account it would close my account, I have every check and can prove everything being said.

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 2023-03-15
Company: CarMax, 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: Account information incorrect

Complaint:
The Carmax account on my credit report recently started reporting my account with an inaccurate date of last payment and balance, I tried to dispute this, it was verified as inaccurate and fixed on one report, but is still showing the inaccurate information on the others. I have a letter from Carmax stating my actual date of last payment and reported delinquency, which does not match my credit report and affects the date the account is to be no longer reported. Several erroneous charges and payments are now added to the account after the charge off period, I was never informed of these charges or payments, and I was never informed of any auction or sale for the repossessed vehicle which is required by Virginia law, the state in which I acquired the loan ; these new dates of payment that I did not make after the charge off, that never appeared in the credit report until recently, have now been counted as my date of last payment and this is against the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Truist bank has been wrongfully reporting a inaccurate late payment on my account from 2017. It is negatively affecting my life, credit report, and ability to acquire financing. 

According to the FCRA : 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-09-13
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I entered into a VA Home loan on XX/XX/XXXX with Guaranteed Rates. I knew that with the VA Loan there wasn't suppose to be any PMI.I had a couple of house that fell through due to cash deals or issue unresolved with the home inspection. The House I bought was done so sight unseen as I was in a crunch to move down from XXXX to XXXX. 

During the closing at XXXX  XXXX in XXXX XXXX the paper showed a PMI and Escrow. I mentioned that to the Title company and they gave me a song and dance so I called XXXX XXXX at Guaranteed Rates and he to gave me a song and dance about it had to be on there because of the value of the house. 

I signed the paperwork and then continued to question them on why it was on there when every I spoke to at Banks said it should be on there because its VA Home Loan and the PMI isn't suppose to be on there. 

Well the end of XXXX I received a letter from them saying that XXXX XXXX XXXXXXXX who was the presenter servicer of the mortgage had sold my loan to XXXX XXXX XXXX. I wasn't aware and had never been informed that mortgage wasn't serviced by Guaranteed Rates. 

I've now reached out to my new mortgage company only to find out that XXXX XXXX XXXX isn't handling the mortgage and its actually XXXXXXXX XXXX   that is handling my account. 

The letter from Guaranteed Rates stated not to pay them as the mortgage would be taken over by XXXX XXXX. I have yet to receive any paperwork about my account from XXXX XXXX. I XXXX XXXX on XX/XX/2018 to make arrangements to pay them but they couldn't help since they didn't have my paperwork. I was told by XXXX XXXX at the PA HQ that he would call me back on the XXXX but I have yet to hear from him. 

So I called and spoke to a guy named XXXX who informed me that my information was received on the XXXX and that it was due. He then proceeded to tell me that they are a debt collector. 

The reviews online show a history of predator practices so I need to know what steps or actions can I take to protect myself with this new company and to file a complaint against Guaranteed Rates for collect the PMI ( Which I have felt they were skimming money from ) and their lack of transparency about who the money from my payment was actually going to. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. ALLY FINCL XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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