BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan with Fifth Third in XXXX of XXXX. The Mortgage Originator I worked with was XXXX XXXX. My complaint is on how Mr. XXXX unethically and unprofessionally handled my application. 

I provided all the information required to underwrite my loan only to be turned down at the end. The dream house that I wanted to purchase is now at risk of being sold.. I provided him all that was needed for a pre-qualification so that I can pursue the purchase of my home. He requested that I increase my down payment to ensure approval. After listening to everything, he said I received a pre-qualification letter dated XX/XX/2020. This letter made me believe that I was able to move forward with contacting my real estate agent to finalize my purchase of the home. 

I understand banks have varying degrees of requirements. However, XXXX unprofessionally handled my file, which led to the denial of my mortgage application. During the loan process, XXXX, for some odd reason, reviewed my sister 's account and commented to I should use her funds to purchase the house instead of trying to obtain a loan through Fifth Third. He was not given permission to review my sisters account. Also, his comment made me think that he was aware of my denial before getting the final decision by underwriting. Why was I given the pre-qualification letter and why during the process did you make me feel that approval of my loan was assured. His delver of my denial was very unprofessional and predatory. 

I have additional concerns of the handling of my private information that I would like to discuss with someone. I can be contacted at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Late Payment reported for XXXX XXXX I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX   XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}

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 2021-04-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a Chase Acct. 
I have it set so that if I have overdrafts, it alerts me. 
The feature seems to always reset I know that Chase allows one reversal overdraft ( that I know of ) per year but it happens every time. 
Initially, I think its my fault bc I dont always check that account so Ive accepted the other draft fees. They add up. 
It happened again today ~ I am minus {$4.00} and no alerts. I now wonder XXXX How many times has Chase collected overdraft fees based on a feature that seems to reset itself and unsuspecting customers get charged the {$34.00} or more if they dont realize it the same day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I paid almost a year and a half on time and recently I have been going through some financial hardships and I called Santander to assist me with a payment plan. They gave one but they have still been reporting negative late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Please see prior Citibank complaint and full documentation provided. I tried to respond and CFPB website it would provide access to do so, which was not received, then complaint was automatically closed out. 

Specifically : - company response confirmed its retaliatory act of decreasing my credit limit as a result of bank 's improper KYC practice - and bank 's improper KYC practice response revealed & documented it had failed to properly contact me at my current address on file and used one that was out of date, then refused to interface with the bank professional who Knows Their Customer, my banker - the bank failed to provide a transparent, clear response to its foreign transaction fees/exchange rates, misrepresenting what it charges - subsequent bank documentation continues to confirm retaliatory behavior by declining to restore my original credit limit and response documentation confirms one hand doesn't know what the other is doing, nor have any interest in resolving matters when one division 's improper practices or errors creates another division to take improper action. 

It's been over a year and well beyond the time this should have been resolved, especially for a client family relationship of 64 years. I would prefer to restore the relationship over turning the matter over. If it can not be resolved to mutual satisfaction in 60 days, this note serves as my formal request for the CFPB to initiate a class review and/or refer class action firms for next steps, as it is clear this has negatively impacted many throughout the US

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 2020-08-25
Company: EQUIFAX, INC.
State: DE
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:
XX/XX/XXXX I received an alert from XXXX XXXX about an inquiry from XXXX XXXX XXXX in my Equifax credit report. I had not requested services from them as I work for their biggest competitor & receive all needed services from my employer. I contacted both Equifax & XXXX XXXX XXXX about the matter as I did not request services. I was unsuccessful in getting Equifax however XXXX XXXX XXXX did investigate the matter found it fraudulent, gave me a reference number to account for the fraudulent inquiry ( found that my name & SS # had been used by a possible former family member without authorization or knowledge ) and submitted written documentation to the affect. I then requested for the information to be removed from Equifax both as an online dispute on XX/XX/XXXX & XX/XX/XXXX as well as a phone call on XX/XX/XXXX to which Equifax refused to remove the inquiry despite XXXX XXXX XXXX sending written statements to the fraud. 

I have tried several times to send information to Equifax to be given the same generic response that is not applicable to my case. XXXX has researched & determined the inquiry as fraudulent but Equifax refuses to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/XXXX at XXXX XXXX, I was checking my annual credit report and i saw that voss & klein was reporting a debt that is not owed for services rendered at XXXX XXXX. I contacted them and requested them to validate the debt and they supplied me with multiple invoices, 3 that show that my balance was XXXX, plus a typed up letter from XXXX XXXX without an official letterhead, no signature and dated XX/XX/XXXX almost 9 months after I received the service. As the invoices submitted by Voss & Klein clearly indicate that the account balance is XXXX, they still continue to try and validate this account as accurate. I spoke to XXXX XXXX via phone on, XX/XX/XXXX XXXX XXXX and I also send her an email disputing the debt, bringing to her attention that the invoices show a balance of XXXX and that I demand she cease all collections and remove this erroneous and damaging information from my credit report. I again checked my credit on XX/XX/XXXX and I saw that this information was still on my report at which point I sent out information to the credit reporting agency and they stated that it was actually validated again on XX/XX/XXXX by Voss & klein. I mailed out a dispute letter to Voss & klein on contacted Voss & klein again on XX/XX/XXXX and demanded a legitimate validation of this debt, a signed contract that says I am a signed agreement with Voss & Klein or XXXX XXXX agreeing that I owe this debt and she sent me the same exact invalid documents that she sent in XXXX. Now ive been to XXXX XXXX and they will no longer discuss this with me because they have an agreement with Voss & Klein so they can no longer discuss this matter with me. 
The burden of proof is with Voss & Klein and they have not been able to supply me with any legitimate proof that this is a valid debt nor that I have any signed contract with them authorizing them to collect any money or giving them the right to report this damaging information to the credit reporting agencies. I have been denied credit, financing and lost out on apartment rental due to Voss & Kleins bogus, inaccurate and unverifiable reporting. I ask that Voss & Klein cease all collection efforts and delete this damaging information from my credit report. 
Respectully, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: General Motors Financial Company, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2018, GM Financial received ( certified mail ) my debt validation request. 

I did not receive a response from GM Financial until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX TYPE misellaneous 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX  located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!

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 2020-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to contact Equifax several times to have an accurate report. Unfortunately they insist on reporting wrong information. Please help me. At this point I am having trouble getting credit balance is shows. Again I have made equal aware of this for over a year and they insist on making it hard for me to get credit knowing because of it I am struggling with my business. They are doing this on purpose because I have made them award several times and now they are duplicating collection accounts so it shows my credit is very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: BANCO POPULAR DE PUERTO RICO
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This relates to prior CFPB Complaint XXXX which XXXX XXXX closed as resolved hower it was not closed appropriately and no further steps were taken to remediate the issue despite providing that feedback via the CFPB portal. 

Despite the account being closed and prior fees reimbursed, the bank continues to suffer from bank errors and charged interest on a closed account ( on fees that have been reimbursed due to bank error - same as before ) and now the account has a balance of XXXX. Additionally, only reporting for one credit bureau has been remediated as part of the prior CFPB complaint XXXX ( XXXX ), leaving the remaining bureaus with incorrect information which has decreased my score and does not allow me to get further credit ( XXXX  and XXXX ). 

Please fix this immediately and fix these systematic bank errors which are probably affecting all the customers in this situation. It seems the bank has an existing problem where after the fees have been removed/refunded, it continues to charge interest on the removed fees when those fees should not be charged. 

Sincerely, 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 2017-08-07
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited {$260.00} into an ATM at TD Bank XXXX XXXX XXXX. The ATM read it as {$160.00}. I immediately filed a claim with customer service. When I did n't hear anything after 2 weeks I went into the branch and filed another claim. The gentleman that helped me told me that the customer service representative did n't save the claim the evening that I called. It was also noticed at this time that the {$160.00} that the ATM had recorded that night was also not in my account. I waited almost a month and still had n't heard anything so when I was making a deposit, the gentleman that had helped me told me my claim had been denied saying there was no proof of my deposit at all. So not only did I not get the {$260.00} I did n't get the {$160.00} either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington, DC XXXX Dear CFPB Team, This is to submit a complaint against BBVA because they have negatively affected my credit score. Prior to XX/XX/XXXX, I had an Excellent credit history and never missed a payment. In XXXX, I submitted two disputes. XXXX  advised that as of the latest update dated XX/XX/XXXX, BBVA has still not removed the late payment statement from my file and they continue to provide the same response. 

BACKGROUND : BBVA offered a balance transfer offer on XX/XX/XXXX, a few days before the COVID-19 pandemic hit. I accepted the offer and the agent informed that BBVA would set up the credit card on the online banking tool to reflect payment amounts and payment due dates. BBVA never set up the information until I called on XX/XX/XXXX to inquire about the account. I was not able to see the paper statements because, when the pandemic hit, I was traveling internationally, and flights were cancelled for a few months. On XX/XX/XXXX, I learned about two missed payments and I paid immediately. BBVA sent me a letter on that same date stating that if I made a payment, they would not report me to the credit reporting agencies. Unfortunately, they did not keep their word, even though I made my payment on that date and reported me to the CRAs. In addition, they revoked the credit card and put it on INACTIVE status. 

A month later, on XX/XX/XXXX, I received a letter from BBVA stating that they could not reissue my credit card because XXXX  had provided them with the following information below. I contacted XXXX  and they informed that this information was INNACURATE and they would contact BBVA immediately to solve this issue. 

1 ) " UNSATISFACTORY CREDIT HISTORY 2 ) " SERIOUS DELINQUENCY '' 3 ) " PROPORTION OF BALANCES TO CREDIT LIMITS ON REVOLVING ACCTS TOO HIGH ''.

4 ) " TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED I have tried to resolve this issue with BBVA, on the phone, via letters and they have not been receptive to my request to remove the " late payment statement '' which was caused because they did not set up the account online. I called them today and neither the Collections Department nor the Customer Service department could help me. I told them that I would need to take legal action and report them to the the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on mortgage payments in XX/XX/XXXX. On XX/XX/XXXX I attempted to repay the amount I was behind ( approx. {$2500.00} ). I told the bank ( JPMorgan Chase ) that I would have the payment within a week. My wife contacted the bank a week later to make the payment and was told that the mortgage had been sent to the foreclosure department. Since that time I've applied with Chase for a loan modification and they have denied me because of requirements of the USDA loan. I've additionally sought help from XXXX ( Kentucky XXXX XXXX XXXX ), as they have a program that is supposed to provide assistance to individuals like myself who have been involuntarily unemployed ( I was laid off twice in the past year ). It appears that the Kentucky XXXX  XXXX XXXX is no longer in existence. Chase bank has sent me documents informing me that my options are limited to short-sale and/or deed-in-lieu of foreclosure. I desperately want to keep my home as I have a wife and XXXX kids living there with me and we have nowhere else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am sending this complaint to all three Credit Bureaus ( XXXX, Experian, and XXXX  ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XXXX XXXX XXXX ( XXXX  ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XXXX   complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.

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