BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house.

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 2020-12-15
Company: Conn's, 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:
I reached out to Conns by phone and email and never get the correct answer. When I call they tell me that they didn't report a 30 day late payment after the account was already close on XX/XX/19. They keep giving me the run around. On this same account they reported 30 days late after it was closed. They reported other 30 day late payments when I paid the minimum payment each month when I wasn't working.I need help to resolve this. They reported me 30 days late on XX/XX/19 when the account when already close on XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX XXXX XXXX a certified letter for verification that was signed for on XX/XX/2020 asking this collector to verify that the account they are reporting is verified with the original contact I have with them bearing mysignature, instead they only sent a letter back saying it was verified. XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon further research, Debtor 's creditor did not verify this collection. Also, there was no written from of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
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: Account status incorrect

Complaint:
I attended School at XXXX XXXX XXXX in XXXX Florida. 

The school is owned by a XXXX  XXXX ; XXXX. 

The school advertised that their company guarenteed a job XXXX  after graduation with a company who would pay for the education. 

However, during the enrollment and admission, they gave each student a binder with more than 25 documents to sign relating to licensing, school rules, and a finance agreement ( Student Loan ). 

After graduation, I was not given the job I was promised. In addition I learned that the school sold the finance agreement to XXXX XXXX XXXX XXXX {$7000.00} Surprise ) without any advance notification to me. 

Upon learning the school broke its promise of employment and its subsequent transfer of the loan, I reached out to XXXX  XXXX   XXXX  and advised them that I am not employed and asked if they would agree to " recalculate my loan '' and allow me to skip the first couple of payments while I obtained work. XXXX XXXX XXXX agreed to the recalculation and moved the first couple of payments to the back. 

After doing so I made every payment on time and in fact, eventually, paid the loan in full more than six months early. XXXX XXXX XXXX however feels it is within their right to place two late payments onto my credit report in spite of agreement to recalculate the entire loan and reset payment dates. 

The entire education was substandard and the transfer of debt without delivering on the advertised promise of post schooling job placement to a company who will pay for the education was bad. But the actions of XXXX  XXXX  XXXX  who refuses to accurately report the honorable satisfaction of all loan terms is defamatory. 

The relationship XXXX  XXXX  XXXX  has with its producers is wrong at every level. I do not deserve to have this company lie about me on national credit bureaus.

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 2019-09-25
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company : Quicken Loans/XXXX, XXXX. 

Complaint : Pencil-whipped Boilerplate Appraisal We started a refinance process on a VA loan that was 2 years old for a lower interest rate. Quicken Loans said we needed an appraisal, and have us down for paying {$380.00} for this appraisal. When we received the appraisal document, it did not look correct. 

Reading through the document, we started noticing discrepancies. The square footage did not reflect the current structures on the property. The price per square foot had not increased with the comps in the neighborhood, The new permitted out buildings that we had erected were not in the appraisal, and biggest red flag of all, no one had come to our home to do an appraisal. 

Further reading said that this was a 'drive by appraisal '. The appraisal company is in XXXX, MI. It was an appraisal done online by XXXX XXXX. The Arial Photograph used in the appraisal is a 3 year old image from XXXX XXXX. The Street View image is more recent, but covers only 2/3 of our property that faces the street. 

This makes the legitimate appraisal companies out there look bad by association. The Appraiser, XXXX XXXX of XXXX, XXXX ( XXXX ) signed that she had done an actual in person exterior appraisal of our home. That is untrue. She stated in writing that " I performed a visual inspection of the exterior areas of the subject property from at least the street. I reported the conditions of the improvements in factual specific terms. I identified and reported the physical deficiencies that could reflect the livability, soundness, or structural integrity of the property. '' We have cancelled the contract with Quicken Loans, because I can no longer trust them. The problem we are having now is that we gave them {$500.00} in 'earnest money ', and they are refusing to refund that money. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had this debt removed off my credit then the company had it put back on my credit to another debt collector, im not understanding why this is happening this need to be removed from my credit, i contacted you guys and it was removed the original bill is from ( XXXX ) communication. The first deck collector was XXXX XXXX, now they but it back on my credit with credence resource ma, i will put attachment showing different dates of them saying the account was opened plus the lease where i was staying at the time they are saying i had services at a different address..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: LoanCare, LLC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
At the end of XXXX I contacted my mortgage company to take my home out of the COVID-19 forbearance that it was in. I had to contact the VA to get assistance due to the lack of response from LoanCare. The VA told me to ask for a disaster modification because the process did not require completing an application and would accomplish the same thing. This was requested at the end of XXXX. LoanCare states they mailed documents to my home in the middle of XXXX about the terms of the agreement. My payments were supposed to begin on XX/XX/2020 therefore I contacted my mortgage company AGAIN the first week of XXXX. They said they would email the documents. I waited on hold for ten minutes and was told the documents would be emailed shortly. I still have not received the documents by mail or email although this process was started nearing two months ago. As a Veteran I worry they are just trying to get me to default on my mortgage and take my home. I am not sure where to turn as I am ready to make my new monthly payment but since I have not officially signed the new agreement I have been advised by multiple customer service reps not to send payment as it will only be applied to the past due balance that is supposed to be moved to the end due to this modification.

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 2020-06-05
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
TIMELINE : On XX/XX/2020 we scheduled a payment to XXXX  ( XXXX XXXX XXXX XXXX ) through Suntrust billpay - this payment was deducted on XX/XX/2020 ( attachment # 1 ) For the first time we attempted to use Suntrust billpay as the wait time to pay XXXX  by phone was quite lengthy. 

On XX/XX/2020 I first contacted XXXX via their chat module through their website after the payment appeared on my Suntrust account ledger but not on the XXXX   account ledger. XXXX suggested I wait a few days because the payment was not yet in their system. ( attachment # 2 ) On XX/XX/2020 I contacted Suntrust and was given a trace number and merchant ID and instructed to call the billpay service and track down my own payment. 
I was also informed that the payment somehow went to XXXX XXXX and given the number to XXXX XXXX which I did not use. 
I did however call XXXX and leave a message with the transaction information provided me by Suntrust. This call was not returned. ( attachment # 3 ) Also on XX/XX/2020 I contacted XXXX  by message app since I had no luck with the agent when I had done the chat on XX/XX/2020, my hope was that they could assist me if perhaps my inquiry was in writing. I received no response until XX/XX/2020 AFTER I had already made a second payment by phone NOT THROUGH SUNTRUST BILLPAY ( attachment # 4 ) On XX/XX/2020 I called XXXX after once again noting that in their system our mortgage payment had not been received and made a payment by phone. ( attachment # 5 ) # XXXX XXXX XXXX XXXX <<<THIS IS MY CONFIRMATION # AND THE NAME AND EMPLOYEE # OF THE AGENT WITH WHOM I MADE THE TELEPHONE PAYMENT On XX/XX/2020 we faxed over a dispute based on instruction from Suntrust agents in order to have refunded to us our first ( and still missing ) payment from XX/XX/2020. ( attachment # 6 ) On  XX/XX/2020 our account was credited with a dispute return so quite naturally we believed our account had been rightfully credited the missing payment from XX/XX/2020. ( attachment # 7 ) What actually happened ( see attachment # 8 ) was a reversal of my telephone payment made on XX/XX/2020 ). 

The last three attachments are the letters we received from both Suntrust and XXXX both accusing us of having insufficient funds to process our mortgage payment and cutting off our billpay access. 

The end result is that we have paid our mortgage three ( 3 ) times. And we are still missing our XX/XX/2020 payment of {$1200.00}. 

Suntrust contends that we were refunded the XX/XX/2020 payment and has closed the case. 

A simple cursory review of the documentation would result in an acknowledgement of a banking error, instead we were given the run around and brush off treatment.

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 2023-08-15
Company: SANTANDER HOLDINGS USA, 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX XXXX I called in to make a payment on the loan I waited 20 minutes the first time then someone hung up. I called back a XXXX answered the phone I told her I wanted to make a payment over the phone on my account she said for and then hung up the phone. The voice mail comes on and say I have to wait another 11-16 minutes. My payment is due today and this company is preventing me from making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass XXXX and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a XXXX it made me handicap..this bankruptcy with zero balance from the beginning because the accounts wasnt my creditors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company & account appeared on my XXXX credit report stating an account was opened with XXXX XXXX XXXX on XX/XX/2021 and that I owe them {$670.00} This information is False & fraudulent & needs to be removed from my credit report immediately. I have filed disputes with all 3 credit bureaus & It needs to be taken care of. I have worked extremely hard during Covid 19 to pay all my credit cards & loans Every Month. All of my accounts are paid on time & seeing this False account appear on my report is disturbing & WRONG.

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 2022-07-07
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
After recently being declined for a new mortgage, my lender & I reviewed my credit report to find what is stopping me from approval. In XXXX I had a second mortgage with Ditech, the date of last payment was XX/XX/XXXX the account was charged-off and closed XX/XX/XXXX. As of recently Shellpoint Mortgage Servicing took over the charged-off account & reported the date of closing XX/XX/XXXX ( which is wrong ), those actions have cost me time & money by loosing out of my new home purchase. There are many issues with the reporting of this account : XXXX Wrong payment amount reporting, missing payment history XXXX Missing highest balance, missing payment history XXXXno terms XXXX date of last activity missing, missing highest payment I have tried to fix this directly with the credit bureaus with no resolution. 
If this matter does not get rectified, I will have no other choice to seek legal council.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i charge my credit card online with the transportation transfer from the airport in XXXX, XXXX to my hotel in XXXX in order to be pick up on Tuesday XXXXmy flight was delayed in XXXX, Nj due to the weather. and we arrived late at XXXX, NC XXXX and missed the connection flight to XXXX. we were able to take a flight to XXXX XXXX XXXX with XXXX XXXX arriving close to midnight, from the airport i tried unsuccessful to cancel or change the transfer but the system they have online did not allow me i also tried to call XXXX phone numbers listed but nobody answered i did tried to chat with them and nobody replied, I called from the airport where we have to slept overnight CAPITALONE credit card and explained my situation i issued a dispute and i was told no problem they gave the credit temporally but after a few days of investigation they reverse the charge .we were able to reach XXXX XXXX XXXX hours on XXXX .we didn't received the service that we are charge i haven't received the proper legal policy of cancelation from the merchant and the credit card company is not protecting the client by way XXXX XXXX and XXXX XXXX  reimbursed us the entire fare after my written complaint i believe that the merchant in XXXX and CAPITAL ONE should do the same is only {$71.00} that was charge. MERCHANT NAME : XXXX and confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house to provide for me and my kids.

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 2019-09-25
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is for the " bank '' Simple. they can be found at simple.com or on their mobile app. 

these message are only visible in the simple mobile app. it is locked down with DRM protection and i can't take screenshots. 

XX/XX/XXXX XXXX mail returned message message and locking of account with no warning XX/XX/XXXX XXXX note to bank requesting unblock of account since i am traveling and can't meet their ID demands of a selfie at my new home. 

XX/XX/XXXX XXXX bank refuses to acknowledge request and asks me to meet their demands XX/XX/XXXX XXXX note to bank asking how i can close my account XX/XX/XXXX XXXX bank states i can move money and transfer money out of the account and they will initiate the account closure XX/XX/XXXX XXXX note to bank requesting if i can move/transfer money while the account is blocked XX/XX/XXXX XXXX bank states " you can move funds via any tethered third party that is using your account and routing numbers! '' XX/XX/XXXX XXXX card returned message XX/XX/XXXX XXXX direct deposit missing XX/XX/XXXX XXXX bank claims the account is locked and the direct deposit will be returned to my employer XX/XX/XXXX XXXX thank you note from me to the bank XX/XX/XXXX XXXX acknowledgement from the bank XX/XX/XXXX XXXX note to bank asking why my transfer to a linked account was blocked, after they stated that I could move the money XX/XX/XXXX XXXX bank states i need to meet their demands for identification at my new address without acknowledging that the transfer was blocked despite their statement about being able to move money. 

XX/XX/XXXX XXXX note to bank asking them to read my message about traveling and being unable to meet their demands XX/XX/XXXX XXXX bank continues to ask that i meet their demands that that is the only way to resolve the issues. 

XX/XX/XXXX XXXX note to bank asking why they also blocked an external transfer via account/routing number was blocked. 

XX/XX/XXXX XXXX bank states that i have met their demands and my account is no longer blocked. Does not acknowledge the rejected transfer i asked about.

Company response to consumer: Closed with explanation