BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I refinanced a home loan held by Cardinal Financial. The loan was supposed to close on XX/XX/XXXX. I assumed that it had closed, however on XX/XX/XXXX I was contacted by my loan officer with some distressing news. He stated that Cardinal Financial had rejected the payoff wire from my title company. The reason Cardinal Financial gave was that they were waiting for a check to be returned from my tax collector. I had paid the property tax on XX/XX/XXXX and Cardinal Financial sent a duplicate check from my escrow account on XX/XX/XXXX. This created a " shortage '' in my escrow account. 

Cardinal Financial stated that they attempted to contact me " multiple times '' between XX/XX/XXXX XX/XX/XXXX prior to sending the wire back and rejecting the payoff funds. I have NO RECORD of any voicemail or email message from Cardinal Financial during that period. In their letter ( attached ) dated XX/XX/XXXX, they claim that they don't have a verified email address for me on file. Given the fact that they held a mortgage on my property since XX/XX/XXXX, this is both ludicrous and beyond belief. 

Cardinal Financial also claims in their letter that when they received the initial payoff funds, they contacted my title company who requested they " hold the funds until the shortage was received. '' I discussed the matter with XXXX XXXX and they state that no one on their team spoke with any representative from XXXX XXXX between XX/XX/XXXX XXXX date of disbursement ) and XX/XX/XXXX when Cardinal Financial returned the wire to XXXX XXXX. Furthermore, Cardinal Financial doesn't specify in the attached letter who they spoke with at the title company ( there are only 5 people on the team ). XXXX XXXX states that they would not have stated to hold the funds until the shortage was received. And obviously, XXXX would have reached out to me before XX/XX/XXXX if they had been awareof the situation. 

This whole situation has been extremely stressful and costly. I ended up paying an additional {$1500.00} in interest due to a situation that I had no knowledge of and that could have been handled without a delay of nearly a month. 

I am hoping you can provide a speedy resolution to this appalling situation. 

Enclosures : My email sent to Cardinal Financial on XX/XX/XXXX ( scan2 and 3 ) Response from Cardinal Financial dated XX/XX/XXXX ( scan 1 ) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
GMAC appeared on my credit report and I have no clue who they are. I XXXX  them and it states that they are a auto finance company and I never had a loan with 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 explanation
Consumer complaint received 2019-08-05
Company: TRUSTMARK CORPORATION
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I know I was behind on my mortgage payments. XXXX XXXX time XXXX tried to contact my place of employment pretending to be XXXX payroll department, trying to get me to return there call. Now i have tried to pay XXXX payments and was blocked on web site from doing so, then called company to pay and they are trying to tell me they won't accept my XXXX payments and then hung up on me. Then every time I called back they kept hanging up on me. Left message with Manager and no return call. They don't want to take payments, then they are not taking my house. I had trouble with them taking payments before and fixing credit as well as correct date paid.

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 2023-04-21
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, we closed on a construction loan with XXXX XXXX  in FL. Since then, Seacoast bank in FL has bought out XXXX XXXX. Our home was finished and we moved in XX/XX/XXXX. Seacoast bank has yet, after multiple emails and attempts, moved our construction loan into a permanent residential mortgage. Because of this, our payment continues to go up due to loan maturity and penalties that are not our fault. 3 months have passed and Seacoast bank still does nothing.

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 2022-04-14
Company: EQUIFAX, INC.
State: NY
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  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My husband has been a customer for Chase for 5 years. After we got married, he decided to add me on his checking account and open a new savings to pay for our mortgage. We opened a savings XX/XX/XXXX and days later we noticed that he's debit card didn't work and also his online banking. I called the bank XX/XX/XXXX and they told me that the documents have not been uploaded to the system and that our account is locked. The person told me to give until Wednesday XX/XX/XXXX so the back office can upload the documents. Wednesday came by and I called again, they said that the account is restricted because of invalid documentation. They said that the account will be closed automatically XX/XX/XXXX and they will send a check. I respectfully asked them many times to let my husband or myself go to one of the branches and withdrawal our money ( {$5500.00} ) and they don't care. Today is XX/XX/XXXX and the account still open and no check has been sent. I called again and a manager named XXXX, I think, said that until we provide documentation the account will remain restricted and is not gon na get closed. I said to him that my husband 's status is not gon na change in the next year, that he has the same documentation he provided when we went to the branch to add me on the account. This manager said there is nothing he can do so basically we are loosing {$5300.00}. This account has been restricted for almost 4 weeks and we have a mortgage to pay at the end of this month, I believe this is our money and Chase don't have the right to restrict our money for 4 weeks and longer. If we couldn't open the account and my husband wasn't eligible, they should have just told us since the beginning. My husband don't have any new documentation to provide because his status has not change and is not gon na change soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: MOHELA
State: CO
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:
Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake. I submitted a total of XXXX applications to Mohela, all for different employers, but they appear to only have processed XXXX of them while closing the rest as duplicates. Because of this, I am only receiving XXXX qualifying payments, when I should have close to XXXX qualifying payments. I have attached a copy of the employment applications that need to be added to my account. Please note, my identifying information has been removed for my security but was present when the forms were sent to Mohela. 

The applications for The XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were provided on XX/XX/2023, along with the application for XXXX XXXX XXXX. The application for XXXX XXXX  was provided to Mohela in XXXX. Their website reflects it was processed, but no qualifying payments have been awarded, likely because of the XXXX other missing employment periods. This employment is not showing as approved on my qualifying payment statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
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: Account information incorrect

Complaint:
Hello, I reviewed my credit report and saw an unknown medical bill on my account reporting TWICE ( XXXX XXXX XXXX XXXX XXXX  )!! I found that strange since I have medical insurance to cover all copays. Also, it's illegal to report an account twice. This is impacting my credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND INQUIRIES THAT WAS ADDED TO MY CREDIT REPORT. 
A FEW YEARS BACK SOMEONE GAINED ACCESS TO MY PERSONAL INFORMATION AND WAS ABLE TO OPEN SOME FRAUDULENT ACCOUNTS. MY CREDIT IS NOW IN A VERY HORRIBLE STATE. 
I AM ASKING THAT YOU PLEASE HAVE THE DISPUTED ACCOUNTS AND INQUIRIES REMOVED OFF MY CREDIT 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 2023-09-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have a Truist Business Account. I sent a wire on XX/XX/2023 and as of Today the recipient has not received their funds.

Date International Wire sent to a Verified recipient and XXXX XXXX  XXXX account : XX/XX/2023 Amount : {$8400.00} Today Truist Bank indicated it may take up to weeks for a solution to find the lost funds. Not professional or responsible.

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 2023-04-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiries reporting on my 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 2023-04-21
Company: DISCOVER BANK
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 see a credit card from Discover on my credit report. I've never had a credit card with Discover. I called and notified them of the issue and requested my account number. All they wanted to know was how they were supposed to resolve the debt. I don't feel as if identity theft is something I can help them resolve. I then sent the identity theft report and associated documentation via mail XX/XX/2023. I downloaded my credit report again today and I see Discover again. I don't feel that they care to help anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 3 fraudulent credit inquiries on my report. 

XXXX XXXX  bank XXXX Td auto finance XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I cant open an account or apply for a loan or credit card it will be unavailable so remove all the hard inquiries 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My account was closed with Bank of America without my knowledge. I was told it was a business decision to have it closed without giving me any reason as to why. I attempted open account with XXXX XXXX and XXXX XXXX and both denied me. I then was added to my wifes account with XXXX XXXX and was successful but then later the account was closed without our knowledge and I was given the same reason that Bank of America gave me when they closed my account. Im trying to understand why this is happening and how I can resolve this issue. I depend a lot on online banking for paying bills and receiving my direct deposit from my job. Please help me get answers for 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 2022-04-14
Company: Frontline Asset Strategies, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father had a XXXX  cell phone account with my mother, I was not on this account and was not an authorized person on this account. My father died of XXXX on XX/XX/2020. My mother and I both tried to close my father 's account and pay out many times in XXXX, XXXX and XXXX. We each called t least three times and the call would drop or they told my mom a manager would call her back at least twice, and no one did. I went in person and they said I can not close the deceased line because I can't prove they are deceased and I am not on the account and therefore can not make changes. What they did decide to do is put the account in collections in XXXX and assign the collections to me. So somehow I was unable to provide a death certificate to close the account because I was not an authorized user but I was close enough to have the collections placed on my records. How abusive is this to not provide a method to close the account of deceased people during a worldwide pandemic. How starved is this corporation for my deceased father 's {$120.00} for a phone bill they refused to help close, after his death. I can not express how difficult it was to burry my father in a raging pandemic and then come home to deal with a collections account on my record for his phone bill. All other accounts I needed to clean up on his behalf allowed me or my mother a path to close the accounts, show death certificate and pay out but not XXXX They wanted to bill my dad for phone usage after his death. I am happy to provide his grave details, where they can dig for his wallet to secure the {$120.00} they are attempting to collect. I have filled many complaints via XXXX XXXX but the collections is still listed and I would like to report XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXBalance {$0.00} XXXX XXXX-Balance {$0.00} USDOEXXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO THE CBE GROUP INC FORMER ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$630.00} does not belong to me. This account was fraudulently opened through this company THE CBE GROUP INC FORMER ( XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

Company response to consumer: Closed with non-monetary relief