BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
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 filed a report with XXXX and Equifax stating there were items on my credit report that did not belong to me. I filed a formal police report about the incident and sent it into the credit bureau ( s ) along with the letters listing the items that did not belong to me and the credit bureau ( s ) did not remove the items. They sent me a letter saying they were not accepting my identity theft complaint and report and they are not removing the items listed on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: PA
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 have submitted a number of letter disputes and i they have not fully complete my re-investigation i have unauthorize and fraudulent inquiries on my report still i would like to have these deleted and company has not respond to my reinvestigation i have submitted over 30 days ago. my name is XXXX XXXX i am sending this complaint on my behalf please do not allow company to use stall tactic like they have before

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the XXXX Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by XXXX XXXX that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major 3 credit reports as {$0.00} balance. However I discover XXXX Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called XXXX at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.

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 2023-07-27
Company: SYNCHRONY FINANCIAL
State: MD
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:
Multiple unauthorized inquiries on being reported on 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 2021-12-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan forbearance was supposed to end on XX/XX/XXXX. I called Loancare LLC on XXXX week to work out a deferment on my loan after my forbearance ends on XX/XX/XXXX. Loancare took me off my forbearance without telling me and without my approval and now they are making my payment due XX/XX/XXXX instead of after my forbearance that ends on XX/XX/XXXX. This is not what I wanted or ask for. The customer service girl just did this without my approval and I was never notified I was being taken of forbearance early like this. It has caused me a tremendous financial issue because I was not prepared to start making my mortage loan payments until after XX/XX/XXXX when my forbearance ends. I have called Loancare 7 times since the XXXX week to get this resolved and all I get is put on hold and disconnected and brushed off competely and no one will get this corrected for me. They have so many complaints the hold time is 3 to 4 hours and it always disconnects when your waiting on hold. They will not call you back or make any attemps on their end to get your issue resolved. This is a government forebearance program to help consumers during this Covid pandemic and I have been taken full advantage of by Loancare for taking me off my forbearance a month early and I can not get any cooperation from them in any way to get this issue corrected. I am pretty certain they have violated forebearnce laws here and they need to be help accountable for their actions and horrible customer service. They have over XXXX complaints with the 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 2019-01-22
Company: CITIBANK, N.A.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was recently informed of an ongoing lawsuit against Citibank Private Student Loans regarding their practices. Back in XX/XX/2017, my daughter submitted a Co-Signer Release Form to release me ( Her Mother ) of any financial obligation due to her having full-time employment. Not only did I not get released, but apparently, I am showing a derogatory mark on my credit report. The loan was removed from my daughters name and apparently put into mine. My daughter has since pulled her credit report, and the student loan is not showing. Its on mine showing closed. Neither my daughter or myself got anything from Citibank explaining the situation or have received any statements. This was also during a time that Citibank sold their student loans to XXXX. We have paid off the XXXX Loans. This is apparently a part of the suite that is against Citibank mishandling their Private Student Loans. We also found out that my daughter was eligible to claim her interest, when they told her she was not. 

I would like a response from Citibank as to why an unsettled balance I s showing on my credit report as the co-signer, but the student loan shows transferred and paid on my daughters credit report. And why we have not received any statements or other paperwork explaining. Im hoping to get legal assistance with this, but thought I would try here first.

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 2019-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I received a check from my employer for XXXX dollars. I deposited the check with Bank of America on the same day to receive a notice that my check will be held till XX/XX/2019. I called on XX/XX/2019 to ask if the funds can be released earlier as my employer messed up with my direct deposit and I needed funds for my car payments, rent, credit cards, medicine ( my wife just went through surgery ), and groceries. When I spoke to the representative on XX/XX/2019 at XXXX XXXX   EST, I was informed that any check or ACH payment from XX/XX/XXXX forward would go through without any fees since there is a pending check on hold and that when the check cleared it would just be reconciled when it cleared, this was all on a recorded line. I explained that I did not want them to go through if they were going to become non sufficient, I was informed I could process these payment without any issues however I would not be able to use my debit card. On XX/XX/2019 I checked my account and noticed all my ACH payments had gone through but with NSF fees. I called Bank of America to figure out why and to get these fees reversed and was explained that the representative provided me incorrect information on XX/XX/XXXX and that all my payments would be returned. This now makes me late on all my payment with accumulated fees from my creditors. I spoke to a manager and to no avail was completely turned down on Bank of America taking any accountability and allowing these payments to go through without any fees. I asked to have my check returned to me so I can cash it and was denied the right to my own funds as well!! At this point I either want my funds available as this is not a federal regulation and my payments to process with all fees refunded or I want my check returned to me, fees removed and my account closed immediately. I have never dealt with a bank holding my funds with no access to any money for my bills or food for this long. This needs to be fixed before further action continues.

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 2020-09-14
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a supplemental property tax bill that was due XX/XX/2020 that I attempted to send to The Money Source multiple times through their website, mobile app, and email so it could be paid through my escrow account. I have email records proving that I sent it as recently as XX/XX/2020, acknowledged by The Money Source. 

The paper bill contains two bills with different payment dates. One on  XX/XX/2020 for {$2200.00}, and the other on XX/XX/2020 for {$2200.00} The Money Source 's XXXX XXXX told me by email to call the XXXX department directly, which I did. They informed me that the bill would be paid directly by my escrow account and that it was unnecessary to call them. Regardless, they asked me for the XXXX numbers which I provided and said everything was in order, and I didn't need to contact them further. 

On XX/XX/XXXX, I received a delinquent tax bill requiring an additional {$240.00} because The Money Source did not pay the bill yet and it was late. I provided the delinquent bill by the website, mobile app, and email, and then also called them. I spoke with XXXX from the Customer Care Team ( extension XXXX ), who told me I would be called the next morning by XXXX on his team ( extension XXXX ). 

Both parties confirmed that they could see I sent the original bill on XX/XX/XXXX by email, and that my call to The Money Source 's tax department had been logged on XX/XX/XXXX. They confirmed the call had been recorded, and also confirmed that they had a copy of the delinquent bill I had just sent. 

XXXX connected me to the tax department, and confirmed to them that I had definitely sent the original tax bill on time, and spoken with the tax department earlier in XXXX. The tax department said they didn't pay the bill because it was a supplemental tax bill, and that I needed to call the tax department before they would pay it from my escrow account. I confirmed that I had spoken with them, and XXXX could confirm from her records and was able to verify that all the documentation had definitely been sent. The tax department said they would research internally and get back to me. 

However, the next day, they paid the tax bill - but also charged my account anyways for {$240.00}. They have not responded to any inquiries on refunding the excess charges to my account for the late payment that they made and have basically disappeared / are refusing to respond to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX has been attempting to collect a debt that is not lawfully mine and has no standing. Upon my request for debt validation and documentary evidence, as required by federal law, the debt collector failed to provide said federally required evidence. Thus, this debt is null and void. On top of the fact that they have been taking part in abusive and unfair debt collection practices, that have caused me an immense amount of XXXX  The company is currently within a 30 day window to remit payment for the violations of law and my rights that they have committed, before litigation is pursued. They have an opportunity do the honorable- and lawful- thing so that we do not have to spend more energy on this in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint already on this, this is unknown and I believe does n't belong to me, please help XXXX prior complaint The account shows as Aargon Agency 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 2018-01-24
Company: FIRST NATIONAL BANK OF OMAHA
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX card reported stolen end XXXX, beginning of XXXX. I continued to be billed for purchases and interest. Notifed 3x in XXXX, employee stated he was the one who handled original call and would be mailing out a fraud form that must be completed. I never received form. I called two weeks later and spoke with XXXX, who stated the problem had been fixed and the form with be received in 10 days, I then spoke with XXXX again on XX/XX/XXXX and his supervisor XXXX who promised the issue would be RESOLVED. Nothing has been mailed nor resolved, and I continue to be charged interest since XXXX. 

Card issuer has been contacted at least 5x since XX/XX/XXXX in an attempt to resolve this issue. 

I have also reached out to XXXX corporate headquarters with no response. 

I greatly appreciate your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX issuer XXXX First National Bank of 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 2019-01-19
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: Information belongs to someone else

Complaint:
According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX/XXXX  Card Act. # XXXX  XXXX Act. # XXXX   XXXX/XXXX  Act. # XXXX XXXX  Act. # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX | ( XXXX ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX  | ( XXXX  ) XXXX THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX/XXXX Act. # XXXXXXXX XXXX  Act. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX  ) XXXX   CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: SUNTRUST BANKS, INC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Full documents related to the loan have not been disclosed. LightStream attempts to penalize consumers based on policies that do not have full legal documentation.

I reached out to the LightStream on three different occasions to adjust my auto-payment date from the XXXX to XXXX. In order to make this change, LightStream would increase the interest rate of the loan by 50 basis points. I pulled the loan agreement and it specifies the following : " If you fail to pay or maintain payments via the Automated Payment Option, you agree that the failure will immediately result in a permanent XXXX percentage point increase in the annual interest rate in effect on your loan. " My request was not to cancel the Auto Pay option but maintain an AutoPay option with a different date. 

The loan agreement also includes the following language : " Payments ( comprised of principal and interest ) ( 1 ) will be payable monthly, in an amount of {$250.00}, and ( 2 ) will be due on the same day each month ( the " Payment Date '' ), such day being the one you designate upon electronically signing this Agreement. '' A payment date is not designated in the agreement. Additional documents on the online portal only include a credit score disclosure. I requested documentation of this designation and LightStream was only able to provide a generated email which states that my payment will be on the XXXX. No documentation of the designated payment date was able to be provided.

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 2018-01-24
Company: Williams & Fudge, Inc
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in car accident back in XXXX XXXX and the other driver insurance company XXXX XXXX totaled out my car an gave almost the amount of payoff and GAP insurance took care of the rest.Also company listed wrong last of payment on my credit report of XXXX which is causing issues in my credit due to false reporting.But the last payment they recieved was from Gap that paid off car.The company also re aged debt with the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, PNC Bank paid a check to my account for {$270.00} which caused my account to overdraft. My account does NOT have overdraft protection. The check should have been returned unpaid. PNC then required me to make a deposit to the account to cover my negative account deposit. Also, this check was not a valid check since I did not sign it or authorize it. Attempts to recover the {$270.00} from the bank or the payee have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was trying to find out if my personal information was breached from XXXX. I Called Equifax and took all my information again and told me to sign up on TrustedID.com and told me that I have to pay them to protect my information after a year of service. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CHS, Inc.
State: VA
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 my XXXX credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.

Company response to consumer: Closed with explanation