BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
When we originally got the loan the interest rate was only suppose to change once a year. Since ditech took over the loan the interest rate is different each month varying from ~3 % to ~5 %. I inquired about it last year and got no response.

I recently inquired again and still no response.

i do not think it is right that they can charge me any interest rate they desire on a month by month basis.

Also, on the original loan we paid for insurance to pay off the loan in case of death.

When they took over the loan that went away and finding appropriate insurance is no longer at a reasonable rate. 
I really don't know what recourse I have other than refinancing the loan. 
Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
we attempted to make a purchase @ XXXX XXXX and it was declined on our BOA debit card. we used another credit card and paid for the purchase. When I checked my BOA account the funds had been debited EVEN THOUGH THE TRANSACTION WAS DECLINED AND WE PAID BY A DIFFERENT MEANS. I called BOA, they said they would return my call in 8-10 minutes, it 's been 2 hours and I have not heard back from them. So BOA has basically STOLEN over {$200.00} from my account. # 1 ) there was over {$1400.00} available funds so the transaction should have not been declined # 2 ) if a transaction is declined why is the money taken out of my account? That 's STEALING. It will take days for me to get this money back and I have bills to pay and need that money. It is a checking account, not a credit card so this is MY money! Even though it says it " processing '' I still do n't have access to these funds.

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 2022-11-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to apply for credit cards and seen new inquiries, 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 explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/XXXX XXXX XXXX XXXX sent me a settlement agreement letter stating that the revolving Visa account in question would be settled and my credit report would be " coded as paid in full for less than full balance ''. I paid the agreed amount of {$5000.00}. They sent me the agreement letter, yet they neglected to code my account as " paid in full for less than full balance '' to the credit major credit bureaus as they promised. I have contacted the creditor XXXX XXXX XXXX several times asking for them to honor their agreement and I spoke with XXXX XXXX who holds the title of Member Solutions Counselor III. XXXX told me to dispute the account through the normal dispute channels for each credit bureau. I did just that in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have uploaded and sent the settlement agreement letter to the credit bureaus. When the credit reporting agencies contacted XXXX XXXX XXXX, XXXX stated to them that the reporting was accurate and no changes were made. Currently the status of the account remains " Charge off '' with a balance of {$10000.00}. XXXX refuses to honor their written agreement. I feel XXXX tricked me into paying {$5000.00} and then did not follow through on their written agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: RI
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 was taken advantage of due to malpractice while several were broken by your financial company. i cant even get a sba loan due to this matter.

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 2022-01-20
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2021. A consumer transaction in which a Finance Charge was involved. XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX XXXX made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: REGIONS FINANCIAL CORPORATION
State: TN
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 receiving medical bills for a extensive medical procedures in 2020 that I did not have. I did not have any medical services in 2020. As for Regions Bank Mortgage. Refinance at the lowest available rate. Ive never been able to get that. XX/XX/XXXX home Equity loan valid For 5 years at the lowest available fixed rate. Allow other black people to get home equity loans at the lowest fixed rate.

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: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I had never received information on how to resolve paying off these debts, from GE capital retail bank. They placed 2 deragatory remarks on my credit report the for the card started on the same day ( Opened XX/XX/2014 ) They placed a double negative in order to pressure me on this. Very unethical pinning me into bad credit. 

This has greatly destroyed my credit not allowing me to get a car or anything in life. 

I had trouble paying for this card as a student and ran into financial difficulties.

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 2018-07-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to the Toyota car dealership on XX/XX/2018, allowed them to do my background check ; I was aware that a hard inquiry would show up on my account from Toyota credit, but next time when observed my credit report there were Six hard inquiries on the same day. I called them, and they said it is because you didn't qualify for special financing from Toyota we had to ask other banks. That was a surprise for me since it shouldn't show up as hard inquiries, I called manager of the dealership regarding this issue, and she said it is showing up on your account because you didn't purchase the vehicle. We all know it does not work like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Machol & Johannes, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX represented by Machol & Johannes, LLLP XXXX XXXX XXXX XXXX XXXX, nm XXXX XXXX contact person XXXX XXXX XXXX filed a lawsuit and a writ of garnishment XX/XX/2018 claiming to have a default judgment against me for an amount of {$2300.00}. I contacted these people numerous times via us mail with return receipts, faxes, telephone calls, emails to verify the above mentioned debt and where I agreed to pay this. Still no debt validation. 

However, they decided to file a lawsuit without notifying me or having me properly served. I do not hear anything else from them, then I receive a writ of garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I filed a dispute with the credit bureaus that this account is incorrect. XXXX XXXX XXXX is stating that I have a balance of {$370.00} from Synchrony Bank. I have informed them numerous times that this account was paid in full years ago with Sam 's club   but yet XXXX XXXX continues to report it. I called them to request a payment for deletion letter to just be done with this and get it removed from my credit report to which the agent XXXX XXXX stated that he can not discuss any payment options with me via the telephone. I am requesting that XXXX XXXX get an update account information from Sam 's club and remove this collection from my credit file. If they still state that I owe money, I am requesting that they submit to me a payment for deletion letter so that I can pay whatever they fraudulently think that I owe have this removed from all credit reports! The account original # is XXXX. The XXXX XXXX XXXX account # is 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 2023-11-25
Company: DISCOVER BANK
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft DISCOVER XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
For months on end I have told cash app regarding unauthorized charges and it's seems they say back end floated through it without lifting a finger to decide credit or apologize with something I can use for XXXX  me off on charges to XXXX XXXX XXXX and app like XXXX XXXX I've had it with these frausters and oreover the quasi banks that's thinks it ok to hide behind the XXXX  symbol bit not honor it with provisional credit for credible people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: OPTUM BANK, INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
From XXXX through XXXX, There were unauthorized electronic payments and transfers to various Banks created through Optum XXXX using my Business Tax ID, Group XXXX and Individual XXXX Numbers as a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2020 I contacted enhanced recovery company who had no listing for a XXXX debt. instead they continuously talked about another company what i thought i owed them. I Asked for itemized proof and they said they could not verify the debt. If it is not XXXX  please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/19 I applied online at Speedy Cash to get an installment loan. I received and signed paperwork online stating that I would pay payments from every check in the amount of {$120.00} starting XX/XX/XXXX. I was told that I would receive {$450.00} and I did in store. I was told payments were for a year and I was going to pay almost {$1600.00} for borrowing {$450.00}. When I went in person I was told in person that year of payments was only covering interest and I would still owe the principal on the loan. The interest is 677 %. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In a personal audit we found evidence that Citi Cards was charging us interest on a balance transfer that was already paid off. We have combed through years of statements and found many months where the balance transfer offer keeps reappearing on our statement with interest charges even after the card was paid in full several times. We contacted Citi Cards on XX/XX/XXXX and spoke with several people who couldn't understand the problem and finally spoke with a supervisor who said they would start an internal audit and return our call on Monday XX/XX/XXXX. He called on that day and said that they were still working on the issue and they would call within 2 days. We called again XX/XX/XXXX and they said our supervisor was out and would call XX/XX/XXXX. He did not return our call. We called again XX/XX/XXXX and they said they could not see that anyone was doing an audit and our account was locked so only they supervisor we talked to can work it. We requested a return call again. We are beyond frustrated and looking back this is a pretty substantial sum of money. No one can explain why we are being charged interest on a balance transfer that was paid off. I have attached two statements below. XX/XX/XXXX I have highlighted that the balance transfer offer 10 shows a XXXX  balance and then in XX/XX/XXXX, it is back on the card with a balance and interest charges. We believe this occurred with two seperate balance transfers over the last 3 years. There are many more examples.

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 2021-09-03
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 am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. Attached to this complaint is a copy of the letters that I have sent to each bureau without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My TCF debit card was hacked on XXXX XXXX. I called on XXXX XXXX to dispute the charges. I answered the same questions 3 times, asked for my card, my husband 's card, and my daughter 's card to all be shut off, and got a police report. On XXXX XXXX I received a fraud alert on my phone that more charges had been made. I called the number on the text message and was told that since the charges happened on my husband 's card, they could not talk to me. I asked why they were continuing to allow charges to be made to an account that was now XXXX overdrawn, and they refused to speak to me. My husband called one hour later and answered all the same questions I had answered and asked that our cards be closed and the account closed in full. Since these phone calls have been made, TCF has continued to charge us overdraft fees ( 5 fees of XXXX dollars each ) and they authorized yet another fraudulent charge yesterday, XXXX XXXX. I have been on hold for 30 minutes today trying to address the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not have a contract with NATIONAL CREDIT SYSTEMS INC. I am not liable for collection. I am not liable for collection from the original debtor XXXX XXXX  XXXX XXXX XXXX. I was a co-signer for a debt that is already paid. This debtor is no longer established. I contacted the new management company who is now XXXX  XXXX XXXX- XXXX XXXX. They stated that they have no contract with my son XXXX XXXX ( signer ) nor myself XXXX XXXX. ( Co-signer ). I also attempted to contact XXXX XXXX who is the debtor. I was intercepted by a voicemail with no return call to request a contract signed to verify the two different amounts that they claim we owe. I have enclosed the info for all 3 parties. MY DESIRED RESOLUTION : DELETE FROM CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My business and personal accounts with Chase Bank was restricted pending closure on XX/XX/XXXX, my birthday, due to potentially fraudulent behavior. After speaking with Chase in branch in XXXX, Ohio as well as via phone on the Chase XXXX XXXX XXXX, they told me this was due to sending a {$14000.00} ACH payment to one our our XXXX contractors XXXX XXXX XXXX XXXX 

We have been a Chase customer since XXXX, and this has never been an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Information is missing that should be on the report

Complaint:
XXXX  and Transunion a for y experience the worst companies on XXXX. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a XXXX  business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..

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 2023-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in reference to complaint XXXX. Experian responded and stated that the account was verified. I have not been able to get in contact with the company so please provide with whom you spoke with and their contact information. Also, please provide the sufficient documentation regarding account XXXX XXXX ( XXXX XXXX XXXX ). If you can not provide this information then remove this account from my credit report immediately. Please see the attached credit report showing that this account is 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 2019-08-26
Company: SUNTRUST BANKS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started my FHA mortgage back in XX/XX/2012. My home value is listed as {$130000.00} and I currently owe {$100000.00} on my loan. That means my LTV is currently at 77.90 %. I am below the FHA required 78 % to remove the PMI from my FHA loan. I have already submitted my request in writing to Suntrust Mortgage, however they're insisting that my LTV is still sitting at 83.83 % and can not tell me how they keep coming to that calculation. I have even received automated text messaged from Suntrust regarding my loan saying I'm below the 78 % LTV.

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