BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: EnTrust Funding
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is NOT about me applying for a loan, this is about fraudulent practices. I received a mailer from EnTrust Funding, a mortgage company out of XXXX, AZ. When I called to ask to be removed from their mailing list, a representative named XXXX told me the VA sends these out and just uses their company as one of their businesses. Besides having a VA loan, I am an XXXX XXXX XXXX XXXX XXXX XXXX and I know an awful LOT about the VA and how to spot businesses who prey on veterans. I called back and spoke to a rep named XXXX and said his coworker was passing out fraudulent lies and advised him to make sure the manager or owner of the company knew it and enforced the truth out of their company. 
The company is : EnTrust XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Around XXXX, I opened up a XXXXXXXX XXXX XXXX student checking account to manage my expenses and get my first true debit card. I declined overdraft coverage and elected to deal with the deflected charges with the institutions themselves rather than with overdraft fees. 

Around XXXX, my account was transferred over to Truist in the XXXXXXXX XXXX XXXXXXXX merger . 

XX/XX/XXXX : An auto-occuring ( reoccuring ) payment was submitted for a total of {$25.00}. The bank account was at a total of {$1.00}. 
Due to this, an overdraft fee was charged, totaling {$36.00}. An email was sent indicating low/no balance, but no overdraft fee email was sent. 

XX/XX/XXXX : A XXXX transfer was sent totaling {$19.00}, to cover the {$25.00} recurring charge ( did not hink an overdraft fee was charged, no mention in email ) XX/XX/XXXX : Following multiple emails regarding negative/low balance ( NOT overdraft ), Truist states in an email that I have recieced " no alerts this month ''. Caused confusion as that seems to contradict the other emails. 

XX/XX/XXXX : The balance was updated to be - {$82.00} due to a {$5.00} XXXX payment ( and subsequent {$36.00} overdraft fee ). However, a {$1.00} XXXX payment was charged and an overdraft fee was generated, but then refunded due to it being < {$5.00}. 

XX/XX/XXXX : Balance updated to $ XXXX due to a {$9.00} recurring charge and overdraft fee of {$36.00}. Emails sent. 

XX/XX/XXXX : {$300.00} deposited in-person to resovle further fees. 

XX/XX/XXXX : Asked in-person to speak to a banker regarding the confusion over this situation. Thought proscess included " why didn't they tell me this when I got the card '', " why doesnt locking the card prevent recurring charges '' and " why would they charge {$36.00} overdraft fees on a STUDENT card in which all students are broke as it is. Teller proceeded to deflect, but still refunded {$72.00} of {$100.00} in overdraft fees. I proceeded to tell them that I needed the {$36.00}, as that amount of money would have prevented the whole issue at hand. Teller refused, stating company policy.

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 2022-11-15
Company: PENTAGON FEDERAL CREDIT UNION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2022, Pentagon Federal Credit Union debited my XXXX  XXXX checking account twice for {$400.00} causing a negative account balance and a {$250.00} withdrawal from my {$1500.00} overdraft protection service which accumulates at a 14.65 % rate of interest. With checking account transactions pending and a negative balance, I will continue drawing funds from my overdraft protection service until Pentagon Federal Credit Union rectifies the error and credits my checking account with the {$400.00} duplicate debit. The credit union attributed the error to a system flaw and after more than XXXX hours from the time which the duplicate funds debited my account, no resolution has yet taken place. I contacted a credit union customer service representative and the representative, in consultation with management, can not provide me an expected time for a permanent resolution or fix. My family and I live on a very strict financial budget and this has caused a critical emergency due to the lack of funds we need for our daily subsistence. I must now find other financial sources for paying our financial debt which includes the cost of daily meals and vehicle transportation fuel.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-15
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my credit report and noticed accounts that I did NOT authorize in my credit report and its preventing me from receiving new credit.

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 2023-03-22
Company: Sequium Asset Solutions, LLC
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: Investigation took more than 30 days

Complaint:
On XXXXXXXX XXXX  2023 certified mail was sent to SEQUIUM ASSET SOLUTIONS to validate said debt owed to XXXX XXXX XXXX. The company has failed to respond to validate any amounts. Have not received any proper documentation. The letter sent showed my XXXX account at a {$0.00} balance. It is now XX/XX/2023 and I have yet to receive any response to my letter. Failure to validate within 30 days. 

The company also does not have proper licensing to collect debt in the state of FL as verified by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit 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:
This complaint goes with the previous complaint I filed with you. This all started in XX/XX/2022. My identity was stolen and my Chase account was hacked and ran the account up over {$6000.00} in charges.They even made fake payments on the account to continue with fraudulent charges which this made the account over drawn from the balance on the card. I have been working with a consumer lawyer to help with this. They have had this account removed from my credit report. Then this week I received another letter from Chase as the account is valid and I am responsible for the {$6000.00}. I am no paying for charges that are not mine. Chase has been awful towards me and has done nothing to help me and I was a loyal card holder with them. They never called me back, I sent in the police report and other documents. They answers were we are still reviewing this and its so annoying and frustrating the way they have treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My message to them after they denied my victim claim. It explaind again to anothet fraud office there what happened. -- -- I received your message today that you intend to close the new checking account because of the horrendous fraud committed on the old account 3 days ago. I was a victim of this performed by a national crime ring. I called the XXXX XXXX XXXX XXXX XXXX XXXX that is on the stolen checks that were deposited into my account. The company representative said they get roughly 30 calls per day on this scam. She said one lady was scammed out of {$30000.00}. 
These people are obviously professionals. My part was applying for a loan online and followed instructions to get what I needed. I played no part in the fraud on purpose. If you look at those check deposits you will see the signatures are not mine. They were stolen, pictures taken, deposited online and Chase honored them. I did nothing wrong to warrant being held responsible for this fraud. I paid out 2 bills in the morning before you restricted the XXXX account. I did try to stop the XXXX payment of {$120.00}, but she refunded it instead of canceling it. That should be coming back into my account and I need that back to pay my phone bill as I am unemployed and have been for 9 months! Also coming in to that account on XX/XX/23, is my Social Security check that covers my rent and car payment. Please allow the XXXX account to remain open to receive that check and I will come in a get it that morning, and then you can close that account. I called SSA yesterday, but she said they need at least 2 weeks notice for the system to make a change in a direct deposit completion. If you close that account it will be kicked back, and my rent and car payment will be seriously delinquent. I can not afford that. Please work with me on this. I didn't commit this fraud, I am an XXXX XXXX, and I need Chase 's help with this. 
Thank you. 
XX/XX/23 They have informed me tat they are closing both accounts and will take my SS check on XX/XX/XXXX. This is wrong! These scammers are pros and I am NOT a professional victim. The rep said to today that is I don't pay it back they will press charges eventually. I am a XXXX, and have NO marks on my records at all. I do not deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: DE
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:
XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over 100 phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, Experian XXXX XXXX. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.

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 2023-03-22
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
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 reached out to Huntington Bank on Monday, XX/XX/XXXX regarding a first time home buyers assistance program in my state that Huntington is an approved lender for. The person I contact via email is XXXX XXXX. After 24 hours of no response, I called and she answered. Although the customer service was far below satisfactory throughout the process, I know this report is not regarding those issues. My issue is that, after specifically noting in writing that I had only been using soft inquiries for reapproval, XXXX, without my consent or mention thereof, pulled a hard inquiry of my credit. I only received notice when I received a report from a soft pull by another company. I reached out immediately and demanded removal. XXXX did not respond until after I left a voicemail for her boss the following day. She tried to justify the pull by a " miscommunication '' but offered to remove the hard inquiry. Her boss also agreed to do so. I provided all information requested and placed a complaint with the company that Huntington used to complete the hard inquiry. After 2 days, I emailed again and demanded the report be removed or some update or I would report for the illegal activity. I have received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NY
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:
TO WHOM THIS MAY CONCERN I AM A VICTIM OF ID THEFT, I PREVIOUSLY DISPUTED THIS ACCOUNT OF MY REPORT, THE PREVIOUS AMOUNT WAS WRONG IT WAS {$18000.00} NOW YOU GUYS HAVE UPDATE IT TO BE {$5400.00} INSTEAD OF REMOVING IT, IT WAS CLAIMED TO BE VERIFIED THEREFORE. I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 
2. The contact information for the creditor. 
3. The name of the person who verified the item to you. 
4. The method of communication you used to verify this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail from this company in XX/XX/2022 stating I owe a bill for XXXX {$240.00}. I sent a letter to XXXX XXXX XXXX in XXXX of 2022. I never received any notification back from XXXX XXXX XXXX within 30 days. Today i looked at my credit report and they have reported a balance of {$240.00} but they failed to provide me with any documentation to validate this debt and also failed to reply in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The lender repossessed my vehicle on XX/XX/2018 causing severe damage to the vehicle by the towing company they hired to perform the repo. The " aggressive '' towing practices of the repossession placed excessive force on rear steering parts vital to safe driving, which caused those parts to brake. A claim was filed with the lender which they refused to investigate. The lender has not provided any written explanation as to why they denied the claim or if they indeed performed an investigation. The repair shop that car was held at was never contacted by the lender as part of their investigation. 

The vehicle was inoperable for over two weeks because I lacked the funds to cover the repairs. My warranty company would not cover the parts because they claimed " excessive force '' caused the parts to malfunction. The tech at the repair shop also suspected that a " towing company was the probable cause '' of the damage. 

This has placed an overwhelming amount of financial pressure on my family considering I did not have a way of reliably getting to work, in addition to coming up with the funds to pay for the repairs out of pocket. 

The lender sent me a letter stating I have not contacted them regarding the matter which I responded to because I've reached out to them several times via phone and email. See attachments.

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 2023-12-14
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have been fighting foreclosure since XXXX in efforts to save my home. I purchased the home in XXXX from XXXX, they closed and the loan was transferred and is now being serviced by XXXX. 

Initially the home was puchased with someone, but the relationship ended less than a year later causing the initial hardship due to loss of income in the home. In XXXX we completed a quick claim deed removing his interest in the property. During that time the loan was modified but circumsatances, job loss prevented me from being able to complete it. I am now gainfully employed and could easily afford the mortgage but the arrearage has prevented any positive resolution. 

Because of how long this has been going on, my loan is in default of about {$100000.00} as of XX/XX/XXXX. There was a program in place called the IL Housing Assistance Fund ( IHAF ) that was offering up to {$60000.00} which I was approved for as long as I could bring the past due down to $ XXXX or less. I found an investor, XXXX XXXX who obtained power of attorney in an attempt to negotiate with XXXX  on my behalf. He offered an additional $ XXXX bringing total funds available to $ XXXX to go toward the past due and they would not consider it. 

I was told that they would not give another modification because over the loan I had maxed out but I learned that there is no maximum amount allowed and they still have over XXXX XXXX dollars provided from the federal government that they are required to use and that they are choosing not to work with consumers. 

I did not want to lose my home and have exhausted my resources in efforts to resolve this. Since all has been unsuccessful, I am now attempting to resolve this via a short sale agreement that was submitted earlier this month and so far XXXX has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-31
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a letter that my Federal Perkins loan with ECSI are due on XX/XX/XXXX. Due to Biden 's memorandum, the government website states all Federal Perkins Loans, under ED and not under ED are included. I recently XXXX XXXX XXXX  and just was able to secure a part time job after dealing with the medical treatment she needed as well as the loss. I asked if they had income driven repayment plans, and they said no. How can they expect people to afford hundreds of dollars of payment every month? They mentioned a forbearance, but I have been doing that for the past 3 years and it has built up unreasonable interest and I can't do that any longer.

Company response to consumer: Closed with explanation