BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX Mortgage Loan Officer Assistant Vice President NMLS ID : XXXX Office : XXXX Mobile : XXXX Email Me Main Office XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX completely dropped the ball on the refinancing of XXXX XXXX property in XXXX XXXX XXXX, XXXX After 4 months the refi is not completed because he never completed or submitted the paperwork. Never returned phone calls or e-mails. Complaint was filed with Truist by XXXX XXXX. The bank is now starting to complete the refi. 4 months later. The bank is slowly trying to fix the work that was done by XXXX XXXX. XXXX XXXX has not suffer any consequences for avoiding doing the paperwork for XXXX XXXX for 4 months.

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 2018-06-09
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi I am contacting your company because I am a victim of identity theft and these companies are trying to hold me responsible for debt that I didn't not make nor did I have knowledge of. My ex husband that was deported XXXX XXXX used my information as well as my sons to open back accounts as well as credit accounts. I have contacted the companies several times trying to fix this but they refused to do anything. I am a XXXX mother of one and I don't want to be responsible for debt that I did not make. I have filed police reports and my ex husband was XXXX for stealing not only my sons and my identity but also a few other people. I am asking you to please make this company remove these fraudulent accounts because they are not mine and I did not profit off whatever it is that was gotten and these account do not belong to me and are 100 percent fraudulent. Here are a list of the accounts that I am disputing Equifax keeps re reporting fraudulent information and I keep telling them that that these accounts are fraudulent and I would like them removed from my credit report at once XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$420.00} XXXX  reported XX/XX/XXXX These are all fraudulent and I want them removed at once I'm including police report and can also provide deportation information if needed this man stole my identity and I want this removed off my credit report for good. 
If there are any questions feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or before XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX ( SPS ) numerous requests ( 6-7 ) for information regarding my XXXX parent 's home in an attempt to establish communication regarding loss mitigation possibilities available by law, as a Successor in Interest. It was not until XX/XX/XXXX, after filing a CFPB complaint did SPS respond with a procedure for me to follow to document and verify my status as Successor In Interest. I expeditiously faxed the required documentation as requested the very next day and followed up with SPS via telephone on XX/XX/XXXX. Their response was, " we have no information regarding your request at this time. '' When asked when they would know, they stated we do not know when, call back in a few days to check. Please keep in mind I had already been verified by XXXX as a Successor in Interest prior to XXXX sending my parent 's loan to SPS for servicing. SPS 's response was that I had to start the process all over again. Therefore, this process has been going on for well over six months. SPS 's calculated attempts to impede my lawful rights as a Successor in Interest is suspicion for fraud. As time goes on, their self serving profit generating actions further impede my right to explore loss mitigation options that may allow me to keep my parent 's home and avoid litigation. Therefore, SPS continues to violate the early intervention requirements of the Real Estate Settlement Procedures Act, as well as other laws enacted to protect the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$12000.00}, {$7500.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- STUDENT ACCOUNTS -- 2. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$15000.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$12000.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$7500.00} -This is not my account. 

5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my 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 2019-02-19
Company: Bread Financial Holdings, Inc.
State: MN
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:
Today XX/XX/19 I Spoke with a representative about crediting back late fees. She could do nothing Well I would like management you know the financial well-being of older citizens is at stake. 
Seniors at restaurants and travel and the many other places are giving special status because of their fixed incomes and financial hardships I would like also the banks to understand and reimburse the late fees Im not asking for the interest and hopefully I can get this solved with automatic payment I believe I have three {$30.00} late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: CT
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:
About 2 years ago I had my identity stolen via my mail was stolen and my checking account was hacked. I went to my bank, XXXX XXXX and showed them " payments '' against my checking account for items that are not mine. I went through their fraud department and submitted multiple affidavits that were investigated by the bank and found to be legitimate. They removed the charges and fees from my account and refunded me the funds. All the while and for several years I have been seeing inaccuracies on my credit report and wrong addresses and information. I contact the credit bureaus regularly to remove items from my report and they just don't. They claim that they meet the federal requirements to be accurate and do nothing. I have requested numerous times to have physical proof and documentation sent to me to verify that any account I dispute is actually mine. I never hear anything back. It looks like there are multiple entries for some of the reporting yet that never changes either. The credit I do have is excellent and " exemplary '' status, but the fraudulent ones have destroyed my credit to a XXXX XXXX score. I am at my wits end with this, I have sent letters to the three credit bureaus, no one responds.

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 2022-08-05
Company: KEYCORP
State: NY
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 had XXXX charges come out of my account on XX/XX/XXXX. On the second in morning two of those charges came out one for XXXX dollars and XXXX for XXXX, my account only had a few dollars at the time. So I was hit with two over draft fees of XXXX dollars. I called later that day and said I apologize but I came from a bank that didnt do overdrafts I forgot that was a thing, they said they could remove one which I agreed. They said if it goes to long without bringing balance up I will incur another fee and I said I get paid in a few day on Friday. The next day another autopay charge was taken I was charged another XXXX dollar fee and they hit me with a XXXX dollar tier 2 overdraft fee. Im just trying to figure out how someone with no money is supposed to bring their balance up when they keep tacking on fees, the bank I am talking about is KEYbank and they ended up charging me when all was said and done approx XXXX dollars in 3 days for overdrafting XXXX dollars through XXXX  services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I pay our mortgage using the bill pay at my bank we have paid this way every since we had the load with no problem all of a sudden we are notified of foreclosure proceedings that the payments have not been paid for 3 months the bank says that it has been paid we have had no notice that the payments were not paid at all just a court date fore foreclosure Evan though the payments were paid,

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 2020-02-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for pre-approval for a mortgage and was informed that they were unable to pre approve me because there is a freeze on my Equifax credit report. I also was trying to get a credit increase for one of my credit cards and they told me I needed to call the credit bureau to release a credit freeze. When I asked the credit company what bureau they used they informed me that it is Equifax.

I called Equifax and they told me there is no credit freeze on my credit report. I requested to get a copy of my credit report. After answering extensive questions for 15 minutes, to no avail I was told that unfortunately you failed the security questions and we are unable to release your credit report to you, please send us a copy of your valid ID and we sill send it to you. I don't understand that if I give you what I know and who I am. Tell you the accounts I know I have.I have no car loan, I have no mortgage, I have 1 credit card in good standing, 4 bank accounts, no student loans, no installment accounts, 5 inquiries one is XXXX, no public records Why am I denied my report? 

I also called XXXX and requested my report via automated system without a problem and I have not received my report. 

I feel that there is definitely something going wrong with with my credit profile and I am not able to access any records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Ok so I went to look at a XXXX XXXX XXXX that was located at XXXX XXXX in XXXX XXXX Florida, everything looked okay with the car so we went in to talk numbers, Loan time etc we got to {$7500.00} was the financed priced and my loan was for 2 years/24 months I would be making a {$250.00} a month car payment with {$2200.00} as the down payment, a few days later the check engine light came on my tire pressure sensor light has come on with the tires being at 35psi ( recommended tire pressure ) a couple weeks later another thing broke and was supposed to be under warranty, I called XXXX ( XXXX XXXX manager ) he said everything was covered on the warranty no worrys bring the car in now while my car is in his shop I get a call from him and he says its just maintenance and I would need to pay {$200.00} but he said since hes a good guy hell do it for {$100.00}, now the main thing that I have a problem with is the fact hes saying I owe him {$500.00} on top of that my car loan is now 4 years/48 months and the loan amount is for {$12000.00} dollars, how did I go from a {$7500.00} 2 year loan to a {$12000.00} loan for 4 years? It was never discussed and I would have never signed anything for a {$12000.00} loan for a {$5000.00} car. The loan was from Credit Acceptance I was also never given my financing agreement which details the terms of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had requested literally years ago that my Miles & More Mastercard account with Barclaycard be closed. I had been repeatedly told that it was, in fact, closed, and my XX/XX/XXXX annual fee was cancelled. But today I received an email alerting me to a forthcoming payment. I logged into the system to discover that not only was this account not closed pursuant to my repeated requests in writing and by phone, but that I had been assessed an annual fee in XX/XX/XXXX and XX/XX/XXXX. The lack of any other activity on this account, of any kind whatsoever, for years, is demonstrable evidence that I was misled into believing this account was closed.

I attempted to contact Barclaycard th is  morning, was told 'this account was closed, ' and when I confronted them with the  most recent statement as well as the record of the XX/XX/XXXX annual fee, I was told that suddenly they were having a system error and that I should call back later. This is unacceptable.

I want : -M

y XX/XX/XXXX annual fee of {$79.00} refunded.

-My XX/XX/XXXX annual fee cancelled.

-This account permanently, actually closed, for good, and to never hear about it again.

The fact that a major credit card issuer can not comply with a consumer 's request to close an account in good standing with XXXX balance is an outrageous indictment of their ability to ma
intain basic systems of account servicing and customer service.

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 2020-05-08
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I currently have a balance of approximately {$1000.00} on this prepaid card which includes my last two direct deposit paychecks. 

On XX/XX/2020 I discovered the account was locked and I was unable to access any information. I was also unable to withdraw money at an ATM or use my card at any retail store. 

I attempted to contact the company by phone but was unable to do so after waiting on " hold '' for more than 3 hours. 

On XX/XX/2020, I again attempted to contact the company by phone but was unable to do so. I am greatly concerned that I will not be able to meet my financial obligations for the month. I feel the company ( Bluebird by American Express ) has breached its fiduciary responsibility and I need a prompt resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX on XX/XX/XXXX stating the XXXX was trying to collect a debt of {$440.00} from me. I called Convergent within 30 days of getting the letter, they said they put in a dispute for me since I strongly believed I owed the money. I did not hear anything, nor did I receive anything in the mail. On XX/XX/XXXX I went down to the XXXX store on XXXX XXXX to see if I could get this resolved there, XXXX was helping me. He stated that he could not see anything on my account, only that I owed {$440.00} but could not see what it was for. He called XXXX XXXX and was on the phone with them for about 20-25 mins trying to help me get this resolved. XXXX stated that they could not see anything either as to what the debt was for. He gave me a phone number to call XXXX XXXX at XXXXand stated I had to deal with them. I called as soon as I left the XXXX store, the number he gave me is for Convergent. So I was confused as to why I got their number, but anyways, I was talking with XXXX XXXX on that same day, XX/XX/XXXX, he can not see what the debt is for, just the amount. He put a dispute in for me again. I asked if I needed to submit something in writing to them, he stated no. He told me to call back and 30 days to see what the status is and to check the account. It has not been 30 days but I feel this has been too long already. I would like this resolved.

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