BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: Synovus Bank
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with fair credit reporting act XXXX accounts shown has violated my rights. 
15 use 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good evening, 1. I purchased a house on XX/XX/XXXX for {$290000.00} at XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I put XXXX down with a loan amount of {$260000.00} 3. My appraisal at the time of closing was for {$310000.00} 4. I have been paying {$300.00} extra in principal since my first payment on this loan so that I could drop the MIP as soon as possible. 
5. My current balance is {$240000.00} which is below the 80 % XXXX requirement. 
6. I contacted the company on XX/XX/XXXX in writing to request the MIP be dropped. 
7. I followed up again on XX/XX/XXXX in which the representative promised to have the issue addressed no later than XXXX XXXX. 
8. The company has still not contacted me, except to say that my taxes have gone up again, so my payment is increasing in XXXX. 
9. There are no seasoning requirements on this loan. 
Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and upon review I found an account that is not mine. The account is XXXX XXXX XXXX and the original creditor is XXXX  XXXX with a balance of {$730.00}. I live in Texas and have lived in Texas since the XXXX. I have never done business with XXXX XXXX in my life. I do not know where this account came from but it is not mine.

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 2018-02-05
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received my direct deposit on XX/XX/XXXX for {$890.00}. I was notified on XX/XX/XXXX by a text alert that my balance was {$.00} I immediately called American Express Serve and reported the 2 fraudulent transfers {$400.00} & {$490.00} and was told there would be an investigation. I followed up with them and was told i was being declined the reimbursement because of section 15d of the user agreement ( fraudulent activity ) That is what I called to report. I received a check from American Express Serve for {$.00} with a note on the stub saying " Your American Express Serve account is now closed. As you requested. we are providing you with a check for the amount of your available balance. '' I never requested the account be closed I requested my money be returned that was fradulentlly removed. Now when I call customer NO service they have no account to pull up. Please help I litterally lived on peanut butter and jelly and the graciousness of my co workers for 16 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home in XXXX XXXX< Florida was badly damaged in Hurricane Michael, after hiring a Public Adjuster I received my final insurance settlement on XX/XX/2019. I mailed the checks to Lakeview loan servicing XXXX, ( XXXX XXXX XXXX ), who bought my V A loan. I began the process to repair the home. I submitted contractor information and invoices, all were denied with no reason given, I hired a GC, Licensed roofing contractor, that all the other homeowners in my quadraplex agreed on, paperwork was denied. The contractor has done the work for all of us everyone else had no problem getting payment approved. I paid for emergency services, right after the storm, claim denied, local licensed contractor. I applied to the SBA Disaster Assistance Disbursement center, was granted a relocation loan to pay off the balance of the mortgage and borrow the money to buy a new home, I notified the mortgage company in writing of this transaction from the beginning, after 6 months of hard work on the part Mr. XXXX XXXX, and Ms XXXX XXXX of the SBA Disaster Assistance center, we made arrangements to finalize the loan, XXXX XXXX denied us access to escrow money ( {$230000.00} ) from my insurance settlement, they have blocked and denied all efforts to pay off the loan, and now insist that we pay {$270000.00} to close out the loan? I just want to be free of these criminals, I have been homeless for a year, I am a XXXX Veteran and this is a V A loan, how can they keep the money, offer no co-operation to the SBA and just behave as if this money is theirs? I have been lied to so many times I can't count them, have sent documents from the SBA and many faxes requesting closure, all denied, the SBA and myself started the closure process with a conference call on XX/XX/2019, the company is still stonewalling us, sent me an email saying that this has been resolved, no documents, one phone call, saying that they did not know how things got this way. I have sat down with the Veterans Justice Outreach Program, and spoken with an attorney, have filed a complaint with the Florida Office of Financial Regulation, as suggested, know I ask you please help, these people are doing the same thing to a lot of other people, XXXX XXXX service members, Veterans and many more, check them out on XXXX site, lots of complaints. Thank you for any assistance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX " XXXX XXXX '' XXXX XXXX XXXX XXXX, FL C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX< FL 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 2019-11-29
Company: U.S. BANCORP
State: CA
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 my business checking at local US Bank branch and the banker confirmed he had applied the offer ( code : XXXX ) " earn a bonus of {$400.00} when you open a new business checking account and complete {$5000.00} in new money deposits within 30 days of account opening '' and I still have the poster for it. However, I have completed all requirements for this offer and did not get the bonus. I noticed it is because they opened a Preferred money market instead of Platinum ( required for this offer ) by mistake. I have contacted the bankers and they filed an escalation but it took forever for them to get back to me ( banker always in a meeting or with a customer when I call ) until I stop by the branch again and they said they need to file another escalation and it may not be approved because I need to maintain the {$5000.00} in the account which is not even shown on the poster for this offer. It seems to me they are trying to avoid admitting their mistake and just looking for excuses and then let me wait for reply until I give up on this.

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 2023-08-29
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have a VA loan. The original loan amount is {$56000.00} and I'm behind by {$15000.00}. I found a buyer who signed a sales agreement on XX/XX/XXXX. The closing date has been rescheduled 5 times. The lender refuses to provide a payoff letter so that I can sell the property. 

I had a XXXX XXXX Bankruptcy filed on XX/XX/XXXX and closed on XX/XX/XXXX. It was reopened because there was a balance of {$13000.00} owed to two of my creditors. 

The lender refuses to provide a payoff letter to me personally or the closing attorney that I hired. They are forcing me into foreclosure or another bankruptcy situation. 

There is enough money from the sale {$110000.00} to repay the lender, pay both realtors, and pay my two creditors. I have requested this letter multiple times and they are not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I co-signed for a lease for my daughter about 3 years ago. When her lease was up, she qualified on her own and no longer needed my commitment. She purchased a new lease on XX/XX/XXXX and turned in her old car, thus releasing all payments owed on the former lease. 
I received a letter from Honda Finance dated XX/XX/XXXX that immediate action was required to purchase of return the vehicle. I called the number on the letter ( attached ) to explain that the car had been turned in. I was told that documents were required from the dealer so my daughter called to fix the issue. 
The dealer is XXXX XXXX Honda and my daughters sales person was XXXX XXXX. She was told that a check was sent to Finance on XXXX for {$280.00} and the tracking number was # XXXX. I told her to check that all the proper checklist was done to turn in the vehicle and she called to ask. She was told they would go through the paperwork to be sure and call her back - which they never did. 
Last week I was notified from my Bank the the credit reporting bureaus have been notified that I am over 30 days late on payment to Honda Finance. I feel that the Dealer and Finance companies incompetent practices have negatively affected my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-06-08
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently refinanced a prior loan with Amerisave. After taking three months for the loan to close, Amerisave and XXXX XXXX XXXX never contacted the prior lender concerning recording a lien satisfaction or some sort of reconveyance. At this time, Amerisave 's lien will still appear to be in a junior position despite the fact the prior loan has been paid off in full. Please note that both the prior lender and I separately have tried to handle the situation directly with both companies without any success. 

For whatever reason, XXXX XXXX and Amerisave have decided not to obtain much less record a lien release or satisfaction despite charging me for title and escrow services ( which obviously cover the recoding of a lien satisfaction ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I finance my car through Credit Acceptance Corporation. Over the past couple of years, this company has REPEATEDLY reported me for nonpayment & late payments and not only did this company make reports of missed/late payments, they made the same report for each multiple times! I have been disputing false reporting by this company to all credit bureaus, however, they still remain. For the times in which I have been late/delinquent in making payments, I was informed that due to the pandemic, this would not be reported. At a time in which every day, hardworking individuals, such as myself, were living through economic turmoil, this gesture was astonishingly symbolic! I felt confident in knowing I was doing business with a company that genuinely cared for their customers. Only later, upon further investigation, would I come to see that they had been deceitful. Not only were the payment/nonpayments reported, theyd been reporting each one repeatedly in the same timeframe. I cant begin to state the imperative, negative impact my credit score and history now has as a result.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: MS
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:
This account has been closed I want it removed from all credit reporting agencies

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This account has been closed I want it removed from all credit reporting agencies

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 2022-09-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IN
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 dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 ) XXXX XXXXk {$2300.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$400.00} 4 ) XXXX XXXX {$1800.00} 5 ) XXXX  - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX XXXX XXXX  {$700.00} 12 ) Chapter 7 Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX XXXX   {$2100.00} 16 ) XXXX XXXX {$28000.00} 17 ) XXXX   XXXX 18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 )  XXXX XXXX {$2300.00} 2 ) XXXX XXXX XXXX  {$1100.00} 3 ) XXXX XXXX XXXX   {$400.00} 4 ) XXXX XXXX {$1800.00} 5 ) XXXX - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX   XXXX XXXX  {$700.00} 12 ) Chapter XXXX Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX/ XXXX  {$2100.00} 16 )  XXXX XXXX {$28000.00} 17 ) XXXX  XXXX 18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation