BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
credit report pulled for initial process for mortgage loan. Loan was approved for the amount {$300000.00}.

1. XX/XX/XXXX : received E-Document with two separate disclosures. The first disclosure was listed as the " initial '' disclosure with the second disclosure noting the rate locked at 4.6 % with closing date set forXX/XX/XXXX.

With closing date set forXX/XX/XXXX and move in date of XX/XX/XXXX, we were then able to schedule a date for vacating rental property, moving company, transfer of utilities, postal service, etc.

2. As credit report would have been expiring before closing, a new credit report had to be pulled. I received word via email on XX/XX/XXXX that the rate had increased to 5.1 % which would note a {$74.00} increase in monthly payment. I agreed to the increased rate that same day. No disclosure was received that day.

3. On XX/XX/XXXX, I received email from Suntrust stating that my file was cleared to close with a closing date of XX/XX/XXXX.

4. It was not until XX/XX/XXXX @ XXXX that a second disclosure was received indicating that the rate was increased and the date for closing remained XX/XX/XXXX.

5. It was not until 4 hours later that I learned that the closing date had been changed to XX/XX/XXXX. The notice for the change in closing date did not come from SunTrust but came from my realtor. I still have yet to receive any official change for closing from SunTrust.

I am a XXXX XXXX  and have to really manage schedule tightly and can not cancel patients at the last minute. My wife is a XXXX XXXX and can not take off from work without at least 2 weeks notice. We work late hours and can not accommodate standard business hours. The previously scheduled closing date was done far enough in advance to adjust our schedules to accommodate others. Now, we have unnecessary fees and expenses as we now have to reschedule all of the previously scheduled transfers, movers, etc. I now have to urgently cancel patients from my schedule on XX/XX/XXXX in an effort to be moved out of the rental property by XX/XX/XXXX Additionally, the lack of organization and negligence in which SunTrust has handled this mortgage has added unnecessary stress.

Not only has SunTrust 's negligence added financial and emotional stress, this amount of stress exacerbates my spouse 's underlying medical condition which could possibly result in loss of employment and unnecessary medical expenses due to physical decompensation.

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 2018-01-25
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received two emails from a source named, " XXXX '' on XX/XX/2017 regarding two " trial periods '' for products ordered in the amounts of {$69.00} and {$79.00} to be deducted from my debit card account. It stated that the order number was XXXX and " XXXX XXXX   will appear on my credit card statement for one charge and XXXX XXXX   XXXX will appear for the other. 

I immediately emailed them back advising them that I did not order or authorize a " trial period '' in the amounts they specified and that this appears to be " fraud '' on their part for these transactions. 

They immediately emailed me back cancelling the " trial periods ''. I contacted my bank and filed a claim to have the monies returned to me. The bank says that I received the two products. I then recalled several months earlier requesting a product and ordering it for around {$24.00} and authorized that payment. I did receive the products, never used them because I never received an acknowledgement by email or mail of the order nor were they charged to my account. 

I return what I received back to where it came from when I discovered that there may be a connection between the transactions. There was not a name on the box I received with the two products. I advised my bank that the products I received ( still don't know where they came from ) were returned unused and they contacted the two organizations who said they had been used.

There are two issues, as I see it. They can not produce a document or an email which states I ordered a " trial period '' and they sent me a " confirmation '' of the order at the prices they deducted from my account. They cancelled the trial period and I sent them back the products unused. My account should be credited back the amount deducted. 

I was curious about the two company 's and who they are. My research reveals one company ( XXXX ) only has one product, called XXXX, a brain-fortifying product and has no connection to the products I received in the mail. The other company, XXXX XXXX is an IT company. So why would they be receiving a separate payment for these products. Something is not making business sense.

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 2021-12-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HIPAA VIOLATION : Collection Agent : ARS ACCOUNT RESOLUTION Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX**** According to a recent copy of my credit report ARS ACCOUNT RESOLUTION has been reporting an alleged debt owed by me, which is causing severe damage to my credit report.under the HEALTH INSURANCE PORTABILITY and ACCOUNTABILITY ACT ( HIPAA ) I am allowed to protect my privacy and medical records from third parties.I do not recall giving my permission to XXXX  XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party I am not asking for a verification or validation of this account.

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 2019-03-28
Company: Experian Information Solutions Inc.
State: GA
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 been a victim of identity theft. I have have a total of 10 collections on my XXXX report and a total of 3 on my experian report. All Dating back to XXXX and XXXX. I have submitted 8 different disputes with them and they have removed some of them that where from the same company that they are refusing to remove.

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 2018-01-25
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife has our home currently financed thru Ocwen Loan Servicing, LLC. Since her mortgage loan was sold to them, they originally kept mis-crediting her payments, eventually causing her to redo her loan several times increasing her mortgage amount because of excessive fees they kept adding. Most recently, after almost losing our home, she refinanced again and began to pay the mortgage by having to pay her bank XXXX XXXX send payment by wire transfer so they could n't make excuses of not receiving payment. She gets paid twice a month and wanted Ocwen to change date due to XXXX of month. they refused, forcing her to pay on XXXX. after making her payment on or about XXXX of month, they report her to credit bureaus as paying late. She tried making an extra payment to have mortgage in advance. They kept sending extra payment to principal and not allow her to have her account in advance. She has tried to get other institutions to carry her loan, but ca n't because Ocwen keeps showing her late! She has made her monthly payments within the month for more than 24mo straight and still cant get anyone to help her! What Ocwen is doing has to be illegal. We have tried going to lawyers but all they do is take our money and nothing happens! please help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX or XXXX XXXXXXXXXXXX or XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the National Consumer Assistance Plan, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the NCAP because it corroborates the policy set in place that I am talking about. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company attempting to collect a debt not owed to them I have no legal binding contract or accounts with said company I have no idea who this company is. I have never filled for anything with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My Equifax credit report of XX/XX/XXXX. 
Reports a XXXX account Opened XXXX XXXX XX/XX/XXXX Address of XXXX XXXX XXXX deleware On my Equifax report of XX/XX/XXXX Reports it is a changed name XXXX XXXX XXXX DELEWARE Not XXXX XXXX I reported fraud and identity theft in XX/XX/XXXX to  XXXX/Equifax. The accounts were supposed to all be closed but this changed name account within 6 months were reported 2 different ways on the same company Equifax XXXX opened XXXX XXXX XX/XX/XXXX shows it remained open thru XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
the phone company XXXX was contacted to hook up my home phone in XXXX of 2012 the phone was never hooked up and no calls were ever made on the line I never received any notification of Debt and I just saw there is a XXXX $ debt in collections with TRIDENT ASSET MANAGEMENT this company say they have no email and can not fax a letter of payment this seems a little fishy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: ID Analytics, Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX, XXXX XXXX XXXX XXXX provided XXXX XXXX  with my alleged credit score. On XXXX XXXX, XXXX I received a letter from XXXX XXXX about their decision to deny me credit. In this letter dating XXXX XXXX, XXXX I learned that my alleged Credit Score from XXXX XXXX XXXX is XXXX and my XXXX Credit Score is XXXX. Seeing the disparity between the two companies reported Credit Score I checked my XXXX  Credit Score and it was XXXX. 
I have never heard of XXXX XXXX XXXX so I researched the company, I visited their website and I was asked to submit copy of my personal IDs and provide all my personal informations in a non secure setting, in order to get a copy of the same credit report that they provided to XXXX XXXX. 
I have reached out multiple times by phone ( XXXX ) to XXXX XXXX XXXX to talk to a representative and learn more about them before I send them my personal information. I have not heard back from them yet and I am not going to wait forever. 
The Credit Score they assigned me is nowhere near accurate and they do not promptly address people 's inquiries or questions. If they are unable to answer phone calls from customers with questions about their credit report, In Fairness to Credit Customers XXXX XXXX XXXX should refrain from emitting inaccurate Credit Reports and Scores. XXXX XXXX XXXX should cease and desist from providing lenders false and fraudulent credit scores. 
XXXX XXXX XXXX is causing harm to customers, and they need to be stopped.

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 2018-01-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i 've been trying to cancel my membership with Experian credit report but not only it is not possible online and the only way is by phone, i called several times customer service including today XXXX2018 but when i mention that is about canceling my account they transfer my calls 3 or 5 times and then put me on hold for more than an hour and then they disconnect the call, meanwhile they keep charging my credit card.

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 2020-09-22
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 status incorrect

Complaint:
On XX/XX/2020 called Equifax to dispute incorrect personal information. Since then several of my accounts have been closed by them and they are still open. On XX/XX/2020 submitted another dispute to correct the info. Only one account is still showing closed when it should be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In late XX/XX/XXXX I opened my checking account with USAA. In late XX/XX/XXXX I got married and applied to add my spouse to my account so that she can have Atm debit for my spouse to use. I had submitted document and my spouse inorder to apply get debit card. I submited my marriage licence and ID card. Yesterday my account got closed and debit card blocked and I since I have told usaa to return money to my employer because I don't want to deal with bad USAA customer service anymore. I used lots of money to fax documents not only to be told it's wrong document which USAA send me to have my wife fax it. I asked if I can close my account since I'm US citizen and have my money because I need to pay my bills ... I have been denied access my money..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: PA
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 fraud. A scam likely number called my phone informing me that I was approved for a loan and proceeded to get my information under false pretenses.The opened fraudulent accounts for XXXX XXXX, XXXX, and XXXX using a fraudulent address which I have never lived at. I have made numerous attempts to contact the company. XXXX XXXXXXXX, XXXX, and XXXX have not been able to verify the information according to the law and XXXX, experian, and XXXX have not deleted the unverified and fraudulent accounts off of my credit report. A fair resolution would be to have these fraudulent accounts deleted off my credit report permanently.

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 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The Following Credit Inquires are on my Transunion Credit report and I did not Aurthorize them and have spoke to Transunion on this several times and they said they would remove them and have not. 

The Inquires and Dates National Debt Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX 2 Inquiries date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/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 2019-05-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a chase checking account on XXXX XXXX XXXX XXXX XXXX AZ XXXX with a bonus offer to get XXXX dollars to open a checking account. I met all the requirements on the coupon and chase refuses to give me this bonus because I have claimed it before. Nowhere on the terms does it say that is the case. It says not available to customers with accounts which have been closed in 90 days. My account was closed a year ago. Please help me on this. I met all stated requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im a XXXX year old XXXX veteran which happens to check my credit report every so often and has noticed things that doesnt belong to me. I do NOT owe Diversified Consultants.  The account was opened XX/XX/2018. This doesnt belong to me. 

Please remove from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX  ; XXXX and Transunion are reporting incorrectly a collection on the XXXX account number XXXX, in the amount of {$240.00}. ( Please see page 7 of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were two separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to one account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed from 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 explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions Inc.
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:
XXXX ; Experian and XXXX are reporting incorrectly a collection on the XXXX  account number XXXX, in the amount of {$240.00}. ( Please see page XXXX of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were XXXX separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to XXXX account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed from 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 explanation