BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: BB&T CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with BB & T Bank, recently I have been investigating ways to pay down my mortgage faster and I came across Biweekly Mortgage Calculator on BB & T 's website. It's a nice, easy to use calculator that you plug in your interest rate, mortgage amount, mortgage term, and payment type and it calculates your accelerated bi-weekly payment for you and shows you how much quicker you can pay down your loan. Ours figured out to pay off a 30 year mortgage in 26.4 years ... quite a savings! 
I called BB & T 's customer service number to inquire how I get set up on this payment plan. I was told they do not offer that type of payment plan, but I could send in my payments bi-weekly but it would not be applied until the full amount was received. ( the money would sit in a " holding account '' until the full payment amount was collected ). I ended up calling back a few days later thinking the rep I was talking to didn't understand what I wanted to do or was not knowledgeable of this program. I got the SAME ANSWER! 
I then asked for the corporate BB & T office number where I could speak to someone that was knowledgeable of this product. After 3 days I received a phone call back from a corporate manager stating they do not offer this product, and they were " checking into why this is on their website ''. She stated they do have a few customers that make bi-weekly payments, but they no longer offer this service. 
I don't understand how they can have this active link on their website under their Financial Planning Center tab to mislead customers when all they say is " I'm sorry, I know you're upset about this '' Sounds like false advertising to me! 
https : //www.bbt.com/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 2018-03-09
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: HYUNDAI CAPITAL AMERICA
State: IL
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:
Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist 's website doesn't clearly display pending payments, so it's difficult to determine whether you've paid your mortgage. I accidentally paid mine twice this month because the pending transaction wasn't under " Upcoming Payments '' but rather under " Transfers from External Accounts '' which made me overdrawn on my checking account. This occurred even though I was using Truist to schedule the transaction ( e.g. I didn't use my bank 's Bill Pay option but rather I scheduled the transaction as an ACH directly with Truist itself ).

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 2018-08-22
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to pay my rent they refused it do to me calling code enforcement on them so they didnt have to fix it they sold it for XXXX cash so the new family was responsible for the code enforcement fine so they lied and filed a eviction

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD CHXXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD CHXXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2018-07-19
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
First Midwest Bank is a predator for poor people. 

I am constantly charged excessive overdraft fees even when my account is not in the negative. I estimate about {$500.00} a month in over drafts and extended over draft fees each month from this bank. 

In the month of XXXX I deposited a total of {$5500.00}. I spent a total of {$4100.00} and I paid a total of {$490.00} in overdraft fees. 

XX/XX/2018 I received a direct deposit for {$920.00} and received an Overdraft fee of {$32.00} the same day. 

XX/XX/2018 the day of my direct deposit I got an over draft fee the same day for {$36.00}. 

On XX/XX/2018 I reviewed a direct deposit payment of {$1800.00} I made purchases of {$180.00}, {$12.00}, {$1500.00}, {$3.00}. and the next charge that exact same day is a CONTINUOUS OVER FRAFT FEE FOR {$32.00}. 

On XX/XX/2018 I has a direct deposit go in for {$1800.00}. My account was not in the negative however the following day I was still charged an overdraft fee. 

On XX/XX/2018 I deposited cash to cover a check that had not yet cleared my cash was held the for days and I was again charged an overdraft fee even though I provided funds to cover it. 

If you deposit cash in a branch or at the ATM it is held like a check. This bank does not trust CASH. 

No transaction is ever declined. They will except any transaction rather you are in the red or not in order to charge more fees. 

There are virtually no ATMs for this bank except for the branches so you are charged fees from both First Midwest and the ATM service to access any cash. I have been charged as many as 5 overdraft fees in one day. 

You don't even get until the end of business to cover a transaction if it posts early. I get charged a fee before a transaction is even cleared. 

Almost half of my income is going to overdraft fees. It has become impossible to manage my account because of this. I make $ XXXX a year and I can barely cover my living expenses because First Midwest is  literally robbing my account as soon as I get a dollar. 

They have never offered me a resolution. I find a way to justify each transaction and will even go so far as to yell at you. I fell like a victim. This is the worst back I have ever done business with and I have had a bank account since I was XXXX and I am now XXXX years old.

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 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$1400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I engaged with Mutual of Omaha Mortgage for a mortgage on XX/XX/2021. Our loan officer advised us that we were good for a XX/XX/XXXX closing date. We sold our house on XX/XX/XXXX and rented it until XX/XX/XXXX, leaving a buffer for our move. We are A+ buyers putting 36 % down on the house we were trying to buy. Our credit is very close to XXXX. On XX/XX/XXXX, my loan officer asked for {$150.00} to expedite the appraisal process. All of the requirements on our end were met and we had a conditional approval from Mutual of Omaha Mortgage by XX/XX/XXXX, just pending and appraisal from Mutual of Omaha. 3 distinct occasions the company missed our closing dates costing us over {$16000.00} in rent, lodging, and various other expenses. I spoke to the CEO and the COO. They eventually deferred me to their legal department and stopped responding to me, claiming that I was demanding money, which I never did. The SVP of legal wouldn't answer any of my questions and Mutual of Omaha Mortgage eventually fired my loan officer without providing me any updates or information about my loan status or letting me know he was gone. On XX/XX/XXXX I enlisted the services of another mortgage company that closed our loan on XX/XX/XXXX. On XX/XX/XXXX an appraiser showed up at my house on behalf of Mutual of Omaha. Mutual of Omaha Mortgage never sent any communication to inform me that an appraiser was coming to my house. I still didn't have a final closing date from Mutual of Omaha Mortgage on XX/XX/XXXX when I closed the loan with the second bank. I itemized the losses I suffered ( ~ {$16000.00} ) and submitted them to the CEO, COO and SVP of legal asking them to reimburse me on XX/XX/XXXX. They responded after a week saying that they would only reimburse me {$490.00} for the appraisal fee and that they never charged me for an expedited appraisal fee. Below is the itemized list of expenses caused by Mutual of Omaha Mortgage 's inability to meet the closing dates that they advised me to set : Costs from missing XX/XX/XXXX closing date : {$1500.00} for our movers to store our stuff {$850.00} for hotels until we could start renting HOUSE # 1 {$1000.00} to board our dogs until we could start renting HOSE # 1 {$2400.00} for rent at HOUSE # 1 from XX/XX/XXXX - XX/XX/XXXX {$400.00} Attorney fees {$5200.00} earnest money from HOUSE # 1 {$1000.00} for movers from HOUSE # 1 to HOUSE # 2 {$220.00} for boarding dogs during second move {$420.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs incurred from missing XX/XX/XXXX closing date {$2100.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs incurred from missing XX/XX/XXXX closing date {$750.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs charged by Mutual of Omaha Mortgage for a mortgage they were unable to deliver : {$150.00} expedited charge for appraisal {$490.00} appraisal fee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: MD
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:
I have disputed inquiries on my credit report to XXXX, experian and XXXX XXXX in regards to unauthorized inquiries. I have been contacting each of the companies since XX/XX/2019 to no resolve. I received letters staying that my request are frivolous. 
This is causing me and my family great hardship in the current crisis. I am a XXXX veteran trying to use my VA benefits to obtain a mortgage. With all the inquiries on my reports, makes it impossible to get an approval with a great rate and less money towards upfront fees.

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 2020-07-10
Company: EQUIFAX, INC.
State: GA
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:
I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have disputed this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/XXXX, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/XXXX saying that the tradeline is reporting accurately and updated. It shows I was 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can that be? How can I be 60 days late 6 months in a row? What happen to the 90 days late, 120 days late, and etc. The payment history is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a {$1000.00} personal loan with my bank to try and establish credit because I supposedly have no credit history according to my banker. I met all the requirements and was denied due to the information provided by TRANS UNION. I have on numerous occasions contacted them by phone dating back to 2015 stressing to them of how important it is to remove incorrect information from my credit report I faxed police reports to them and updated current addresses and phone numbers. To no avail. I am being discriminated against for being XXXX. I am being singled out due to not being 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 2023-05-11
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX  To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I called customer service from TransUnion and they refuse to take care of the credit inquires that were unauthorized. I called the creditors and said it doesn't show on there end and it's the error with transition since it doesn't show that they pulled my credit on their end. I believe I am a victim of there inquires issues. I asked if I can dispute it and said they don't have a dispute process like the other credit bureaus that you can call or dispute online wrong information on your 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