BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX I started the process of refinancing my home in order to lower my monthly payments. My original loan was with Virginia Housing Authority, now Virginia Housing. The closing for the refinance was XX/XX/XXXX, and the payoff statement included the mortgage payment for XX/XX/XXXX, with payout to Virginia Housing on XX/XX/XXXX. I paid the mortgage payment for XXXX on XX/XX/XXXX. This means that Virginia Housing received XXXX payments for the month of XXXX. They have NOT reimbursed me for the double payment. 

I received a check on XX/XX/XXXX, in the amount of {$360.00} stating that was the amount I had in my escrow account. I called Virginia Housing on XX/XX/XXXX, and spoke with a representative of the company. He informed me that yes, they received the XXXX mortgage payment from me on XX/XX/XXXX, and yes, they received the payoff from XXXX loans on XX/XX/XXXX, which also included a mortgage payment for XXXX. More than that he could not tell me and stated that loan payoffs are an entirely different department and there is no phone number for them. He provided me with an email address, XXXX, and told me to email them. He stated that they typically respond in XXXX to XXXX days. 

I emailed Virginia Housing on XX/XX/XXXX, and again on XX/XX/XXXX. I have received no response nor have I received the refund for the XXXX mortgage double payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX I purchased a new car and the loan was placed with Ally Financial. The car loan was paid off XX/XX/XXXX. 

I am currently purchasing a new home and it was brought to my attention that Ally Financial reported to the credit agencies that I had paid my car payment 3 times over 30 days. The months that were reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was very confused, upset, and extremely concerned about this reporting so I requested a detailed statement from Ally to have a better understanding of this issue. Ally first told me that they could not provide this due to my loan being paid off in XX/XX/XXXX and that they could not answer my questions regarding my account. Then I demanded a complete account statement because I have to provide additional information as well as a reason regarding these payments being reported on my credit. Ally at that point emailed me a very confusing statement that showed that they did receive my payments for the three months in question and they were not 30 days late. Also, what is even more confusing is the inconsistency of the interest payments that were paid every month. 

I at that point pulled my bank statements to see the dates and the amounts of the payments and my bank statements confirmed what I already knew. I was never 30 days late in any of my payments to Ally. 

For the XX/XX/XXXX payment their statement shows they received a full payment on XX/XX/XXXX. 

For the XX/XX/XXXX payment they have 4 line items about this payment all dated XX/XX/XXXX. they show XX/XX/XXXX they received my payment, then it shows they backed it out ( same day XX/XX/XXXX ) then they credited my payment to my account ( XX/XX/XXXX ) For the XX/XX/XXXX they received payment on XX/XX/XXXX Again this is according to their print out that they provided me on my second request and I confirmed with my bank records as well. As you can see NONE of these payments were late. 

Due to Ally Financial 's incorrect accounting and reporting of my payment activity is effecting my ability to secure a new mortgage! I have over a 700 credit score and I need Ally to correct the reporting error as soon as possible so my lender can see that I have indeed taken measures to have this resolved. 

Thank you for your consideration

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 2019-10-01
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-05-07
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
-XX/XX/2019Unauthorized credit card payment of {$7800.00} issued from my XXXX XXXX XXXX account to XXXX XXXX as below. 
Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19Payment Amount : {$7800.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX - XX/XX/2019Unauthorized credit card payment of {$2300.00} issued from my XXXX  XXXX XXXX account to XXXXXXXX XXXX Credit Card as below. 
Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19Payment Amount : {$2300.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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: Old information reappears or never goes away

Complaint:
I have a XXXX XXXX bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.

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 2022-02-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
SunTrust will not credit my business checking account for a charge for serviced never received. I sent 3 letters and you can not talk to a person. Hold times are over 2 hours. 

Debit Charge dispute with XXXX Card Number XXXX Amount : {$140.00} Date : XXXX A letter was previously sent before to SunTrust with all the information listed below. It is very simple. XXXX has charged me for a car rental that I never got. I arrived on time for the pick up the car. XXXX should refund us {$140.00}. 

XXXX never responded to my e-mails for refund. Three-mails were sent on XXXX, XXXX & XXXX. It is impossible to talk to a person at XXXX. No phone number is listed Sequence of events Car was booked thru XXXX. on XXXX Confirmation number XXXX Car pick-up date : Location : XXXX XXXX XXXXXXXX XXXX XXXX Date and time : XXXX at XXXX XXXX I arrived at XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX. I was told me that a car was not available and was given a phone number to call. I call the number and was put on hold for over an hour. After traveling for 7 hours, the last thing I wanted was to sit on hold. 

I took a taxi to my Motel. I called XXXX the next day and the same thing happened. I was put on hold for over an hour and then someone hung up. I finally gave up. 

XXXX never responded to my e-mails for refund. Three-mails were sent on XXXX, XXXX & XXXX. It is impossible to talk to a person at XXXX. 

I then contacted SunTrust to dispute the claim and the wait time was 3 hours. I then went to the local SunTrust branch and had a personal banker contact SunTrust. About three hours later he called me and told me he finally got thru and filed the claim. I got a letter about two weeks later from SunTrust asking for more detail. I mailed the letter. 

On XX/XX/XXXX, I receive a letter asking for more detail about the dispute. This is extremely poor customer service. This is a business account and this issues should have been resolve long ago. 

Kind Regards, 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 monetary relief
Consumer complaint received 2017-07-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
fraud/identity theft/lies/- on XXXX XXXX 2016 I called wellsfargo bank I was reviewing my account and thats when I found an account created by the bank ending on XXXX. I filed a claim the fraud department on same date and they created another account ending in XXXX and I cancelled it immediately on same date and time i never activated, authorized or signed anything. on XXXX XXXX,2016 the credit card solutions executive office. whent and remove/added/changed/all information on the account ending on XXXX and XXXX. And incredibly they put over fifty transactions including multiple duplicate dates on account ending on XXXX that was cancelled on XXXX XXXX 2016. then the account ending in XXXX showed an outstanding balance of {$6200.00} going back to the same as the period account ending on XXXX and they to had over the 50 plus transactions.
Got a letter from executive XXXX XXXX signed by XXXX XXXX stating that they issued a credit and I attempted a balance transfer the review was not complete and the transaction was completed and they rebuild the account and became over the limit and no fee 's were charged and any pmnt amount includes the over the limit plus minimum pmnt. Got another letter from XXXX XXXX XXXX executive office from another analyst and signed by her XXXX XXXX and she states that the account ending XXXX account was open on XXXX/XXXX/2016. So here we have the fraud/lies/theft from the executive office personell. The first letter states very clearly the XXXX account was created on XXXX/XXXX/2016 and closed same day. The the other executive office personel stating that this account ending on XXXX was created and open on XXXX/XXXX/2016.

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a HazMat endorsement on my license and was waiting about six months and never received it. I went to the DMV to inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. I recently had to open a new bank account because of this problem yet again. Because my personal information is out there and I can not get it back I anticipate this perhaps being a problem for many more years to come. When I was made aware that the automatic payment did not reach This credit card issuer I used another means to get the account corrected. It was not 30 days late however that information is incorrect. I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.

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 2018-01-03
Company: Experian Information Solutions Inc.
State: MO
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:
I co-signed on a student loan with XXXX with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted XXXX and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. XXXX 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to XXXX, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.

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 2022-02-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I would like to report Chase I applied for chase XXXX credit card. They have an offer that we can spend {$15000.00} and get a XXXX  free night with a card membership year. But last year, they change it to that we need to spend {$15000.00} in a calender then I can get a free night. And this will also be reset in XXXX. But I still finished spending {$15000.00} in XXXX and I had screen shot to prove that. However, when I ask for this free night. They have so many excuses and play around all the time. I wish you can help me with this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On multiple occasions I have asked the debt collector to not call my phone. They have admitted to using an automatic dialer and this is the reason I continue to receive calls ( this is a violation of the TCPA as well ). I recorded them acknowledging that I have requested to not be contacted on my cell phone however they continue, when I ask to speak to a manager they are apologetic and promise it wont happen again however I still receive daily calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XX/XX/XXXX a credit card for Bloomingdales appeared on my credit report. I reported a dispute, and again on XX/XX/XXXX I reported again another dispute. with no report of a solution. I contacted bloomingdales today XX/XX/XXXX and they have started a fraud investigation and I have reported to XXXX again and they have reported fraud also

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 2017-07-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I owe a little over 5,000 to navient and I 'm struggling paying the payment right now and I ca n't seem to come to an agreement with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my report, the incorrect information was still found in my Equifax reports which I believe have been taken care of due to the written appeals I sent. I've contacted the account listed & they told me I've never missed a payment, yet Equifax refuses to fix the account from being listed late. I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. The account that should be corrected is : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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 was checking my credit report, there are so many negative information. These information do not belong to me. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I've recently reviewed my credit report and noticed late payments on my account. I have never been late paying my account, and I would like to have these late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: BMW Financial Services NA, LLC
State: CT
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:
My account with BMWF is currently past due for months of XX/XX/XXXX an XX/XX/XXXX, the total amount due shows XXXX as of today, XX/XX/XXXX. I do not know if this amount includes all late fees, returned check fees, etc. I am currently without a phone and am unable to call BMWF to make any type of payment arrangement ( s ). However, I have made payments totaling XXXX to date, amounts of XXXX received on XX/XX/XXXX, XXXX received on XX/XX/XXXX. I will make the outstanding balance, which I show is XXXX by XX/XX/XXXX. I request BMWF allow me this time, hold off on collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It is with great frustration and desperation that I write to you requesting that you please help me out. I have provided several packages of my financial documentation to XXXX XXXX to no success. My loan now is serviced by Rushmore loan management and also to no success. I have provided in the last 2 months two full loan packages with all my updated information from me and my brother who is the co borrower on this loan to Rushmore.
I have provided a package on XXXX/XXXX/2017 and another full package on XXXX/XXXX/2017.
About two years ago our lives became a nightmare, when suddenly we were both Silverado and I left without a job at the same time.. It was then that we began to struggle. Unfortunately we defaulted on our mortgage. However, we immediately contacted XXXX XXXX and advice them of our situation and provided our financial documentation as requested it by them. We immediately began to search for jobs.
Our main interest was to get a job so we can retain our home. These were circumstances beyond our control. All we were requesting was help for a short period of time.. Six months after this horrific situation we found jobs.
We needed a work out plan that will keep us from foreclosing and avoid further delinquencies.
Rushmore has advice that they will not consider our package for we did not presented the package before 37 days of the sale day. Our home has a sale day of XXXX XXXX, 20 17. Please hear me out I need to keep my home.
We both have worked very hard and had never defaulted before..
I am asking that Rushmore allow us a chance to proof them different.
I understand that you will review my complaint expeditiously based on the explanation of my complaint and information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I recieved an email stating someone was added to my wire transfer list and minutes later a transfer was stated for XXXX I immediaty called wells fargo and told them it was not me. They stated a investigation and on XX/XX/XXXX i recieved a letter stating my claim was denied. I called minutes later, they should have canceled the request to wire. Now I have lost XXXX I called right away and lost all my busniess account money to contiune working.Wells Fargo will not help me at all.

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