BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: CITIBANK, N.A.
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 writing to CITICARDS CBNA because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the marks in my XXXX and XXXX reports prevents me from achieving the desired results. 
I am kindly requesting CITICARDS CBNA to remove this paid charge off account from my credit report as a gesture of goodwill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Sunday, XX/XX/2019 I discovered that {$1100.00} was automatically deducted by Square from my XXXX XXXX account. No advanced notice or warning was given to me about a possible deduction.

I called Square on Monday, XX/XX/XXXX and the representative ( XXXX ) informed me that an email was sent to me on XX/XX/XXXX ( by XXXX ) saying that it was because of a negative balance and because of a payment dispute. He forwarded me the original email that was sent to me by XXXX, however, this email did not state any information on which account and no info on a dispute and who did a dispute. I was very surprised and explained to the representative that I do not have any payment disputes listed within my account and he stated that it was because of another account. I also explained that I did not see any payment dispute in my other account. He informed me that he could not give me any other information and I would be required to just wait for an email from square. 

The next day, I called again on XX/XX/XXXX and spoke to another representative and wanted to find out information of why this amount was deducted. This representative was also not able to provide me with any information and stated that I should wait for an email from Square. 

On XX/XX/XXXX I received an email from Square Recovery stating Weve confirmed that the account XXXX 's XXXX XXXX associated with XXXX is connected to XXXX XXXX XXXX XXXX. 

At this point I still do not know why this amount was deducted and they have not responded with any information on any payment disputes. I do have 2 accounts and in both accounts I do not have any payment disputes listed, nor did they offer me any other information or breakdown of why this amount was deducted. They also stated that this investigation is closed. 

I also want to state that in my whole time being with Square ( approximately 8 years ), I only had 2 disputes and those were ruled in my favor and after those disputes I never received any other disputes so I do not know what they are talking about. I would like to state further that most of my transactions range in the amount of {$50.00} - {$70.00} for each client so it would be impossible to have a payment dispute of {$1100.00}. I should have the legal right to know what this dispute is all about so that I could respond with an appropriate answer, or that I can further investigate, however, Square refuses to provide me with any information of why they illegally deduct money from my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Diversified Consultants called my husband at work today in refrence to an account that has been placed with them for collections. the first gentleman that we spoke to stated that the account was from XXXX place but when I asked for a boss I was told another place. I have asked for them to cease and stop calling us until they could provide us with proof of the last payment and the amount and the true creditor. they have advised me that they do not have the ability to provide those docs. I would love to attach docs but they cant provide them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have XXXX XXXX XXXX with Bank Of AMerica. 
They just reduced my credit limit in all XXXX without any explanation. 
My XXXX XXXX is affected by that. 
The reduction was big, like to less than 10 % of my old limit. 
I tried to call they just said I need to wait the letter by mail in 10 days ... 

Im really disappointed with this Bank, show no respect to people.

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 2023-10-05
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
Truist Bank hold my mortgage and on XX/XX/ my home was paid in full. A week after my mortgage was paid in full. I called Truist and request my escrow refund check. Today XX/XX/, I still have not received my check I don't think Truist ever sent my refund check. I received other letters deed release but a check.

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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between transunion, XXXX  and XXXX   and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the XXXX XXXX are any other credit reporting agency. i would like to know your method of verification on how you verified this information.

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 2023-08-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Source Receivables Management has been trying to collect a T-Mobile debt ( {$2100.00} ) for several years that is not mine. I have asked for verification of debt several times without receiving it. They have put this collection on my report multiple times and removed it twice. The first few times it appeared on my report, I never received a letter. Recently, I received a letter from them on XX/XX/2023 stating that if I write to them by XX/XX/2023 requesting verification of debt/disputing this debt they will send me proof and cease collection practices until this is sent out. I responded to their letter on XX/XX/2023 and have yet to receive anything and they have put the collection on my report which resulted in my score dropping XXXX points. I have been denied credit as a result of this drop in score and lost credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: SANTANDER HOLDINGS USA, INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter ( which Ive included ) to Santander regarding this " charge-off " they are reporting. This vehicle was totaled in a car accident, and I also submitted the documentation to them showing everything was paid by insurance and the amount that I had to pay was debited out of my account. ( also included in attachments ) Santander has yet to respond to me and it's been over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Aqua Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX called to have questions answered told me that they dont need to answer questions they just want their money. 

XX/XX/XXXX received 35 calls I answered one and requested manager rep told me I can wait on that call. 
I had a nephew called in they released information to someone that is not on the account very concern and unprofessional. I think they are fraud for a company to release information to someone that is not on my account.

I requested to receive financial help I was told To look for another job or borrow money from family nothing they can do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: CO
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 recently submitted a complaint for the credit card provider for a closed credit card from XXXX. The company did not respond to my specific questions or concerns. I called their accounts recovery department on 8 separate occasions this year and they did not mention any those phone calls. In XX/XX/XXXX, on of their account recovery specialist did indeed state this account first went delinquent in XXXX not XXXX. Yet, Citi failed to even address this phone call in their response. They failed to mention my multiple phone calls from XXXX to XX/XX/XXXX. I asked them to update my credit profile to included my entire history with the company dating from XXXX until the account was closed. They failed to even address this matter. As well, CITI updated my three credit bureau profile, all three, indicating I still owe this balance on XX/XX/XXXX. I now have an active credit card debt of over XXXX dollars with {$3200.00} reported by CitiCards. This balance was written off and discharge in XXXX and this information can be found in their response letter. This is the reason why I can not make a payment to settle this debt because Citi discharged the balance in XXXX. This account had a XXXX  from the time it was written off in XXXX up until XX/XX/XXXX when they replied to my complain. I do not owe them for this discharged account and as they mention I am not required to make a payment for this account. I received a 1099-C in XXXX for this account and this account was treated as income following its discharged from Citi. To note, paid this debt in the form of taxes in XXXX. Citi tactics is simply bullying and intimidation and this should not be tolerated. I have asked them to simply update my credit profile given the delinquencies have dated back to XXXX and they have not. Instead, of being truthful they have reported this discharged debt as new credit card debt on my credit report. I am asking them to report this account back to XXXX  and please update my credit report to show the full length of my the credit history for this account. My wife and I are closing on a house the next 60 days and because of this one account, we are no longer qualified because this discharged debt dropped my mortgage credit score by 40 points.

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 2020-10-28
Company: LAND HOME FINANCIAL SERVICES
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sent tax statement to Land Home Financial Services. Company provided me with an escrow analysis. Escrow analysis was done incorrectly and taxes were added twice onto the statement. I called and finally got through to someone who understood the analysis was not correct. New analysis was sent to me a month later. Our mortgage is due on XX/XX/XXXX and they still have the incorrect amount due. Called and spoke with several supervisors and they say they cant un-do this and that I must pay the incorrect amount which is {$2300.00}. The actual payment I should owe is {$1700.00}. When I asked the supervisor why I should pay an amount that I dont owe and that was XXXX XXXX XXXX error, her response was, Im sorry, theres nothing I can do. This is absolutely unacceptable. I will not pay an amount that I do not owe because of their error. The staff are extremely incompetent and lack knowledge of their positions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: NJ
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:
when to the car dealership to purchase a vehicle i was told they only going to run my credit with, XXXX XXXX XXXX. 
now i have multiple hard inquiries. I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: AMERICAN FINANCING CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AmericanFinancing.net : XXXX XXXX XXXX XXXXXXXX. 

I was told I would qualify for a loan based on XXXX income and not total income. this was in XX/XX/2022. After several steps it was changed that I would have to present fourth financial information despite the XXXX XXXX being acceptable for approval. the rate had been secured and locked in. I believe they then began to slow the process greatly in order to have the rate lock expire after having me spend hundreds of hours compiling documents and changing conditions. Over XXXX  months later they have not extended the lock despite providing all documentation request very quickly. Their communication was extremely slow I believe on purpose. i escalated this numerous times with the lender. I have text communication from some employees within the company stating their practices are not being properly followed. I can only interpret this as an attempt to delay to raise my rate away from the agreed upon rate. Ultimately, I received a closing statement without any notice and not notifying that my rate had been significantly increased and allocating some of the proceeds to pay down credit cards never before discussed. It appeared they were hoping I would not notice the large increase in order to lock me in. Now after XXXX months interest rates have increased drastically and I have lost my opportunity to secure a lower rate, being damaged by hundreds of thousands of dollars over the course of a XXXX year mortgage. For some background on folks that my be seeing this publicly. This was a refinance of an existing XXXX expired XXXX XXXX. My financial situation has improved since the original finance which was a healthy financial situation at the time. I was contributing cash to purchase discounts to the rate. I would not have started working with this group had I not been assured my financials were more than enough to get the loan processed. when additional financial information was required it showed additional income over XXXX times what was originally needed. I don't believe they ever intended to honor the rate, just bury borrowers in paperwork and exhaust their time to then tell them they are out of time and a higher rate is the best they can do. Additionally at XXXX point they told me information I had supplied was " rejected by the underwriter '', when I pressed for evidence of the rejection and a reason why, they recanted and said that meant they just could not " find '' the information I provided and needed it again. All information was uploaded into a portal they have so their is no reason they could not find it, they again just appeared to have no interest in getting the loan processed. Beware, you will be months into a process and they will change your rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX  account # XXXX ( there are 4 of these accounts ) XXXX XXXX account # XXXX ( there are 2 of these accounts ) XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

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 2018-08-29
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is aggressively attempting to collect on debt that is not mine! They started calling me last year stating I owed them {$4000.00} for some apartment complex. When I contacted apartment they showed me contract that had my name but did NOT have my signature or date of birth and I never lived there!!!! this was not my debt to begin with. however national credit systems keeps calling me at XXXX till after XXXX threatening to send sheriff to my house, sue me and to arrest me .... I tried to reason and was even willing to pay in settlement to make them go away but they came back stating that I owed on XXXX different accounts to them now ... this is a scam and should not be legal. they provided me with some leases that I never signed or resided at the complexes. Now they are calling my relatives, work and even got a hold of my co-worker this is absurd and unacceptable!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: On Q Financial
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-12-18
Company: Dovenmuehle Mortgage, Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was told to make a payment by check because my auto-pay would not be set-up in time. However, after I made my XXXX payment by check, the auto-pay also pulled a payment. Then, while my next payment due date was changed to XX/XX/XXXX, I was assured that a payment would NOT be auto-paid in XXXX. Then, on XX/XX/XXXX a payment was still auto-paid on my account, pushing my next payment due date out to XX/XX/XXXX. I called Dovenmuehle several times ( from XX/XX/XXXX to XX/XX/XXXX ) to request a refund of one of the two payments made in XXXX to correct the problem. I was hung up on several times. When I was finally transferred to a Supervisor ( XXXX ) on XX/XX/XXXX, she told me they would send a check in the next 5 days. On XX/XX/XXXX, after receiving no check I called again and spoke to XXXX. She assured me that the check would be sent, and still nothing. They are not resolving my issue and I don't know what else to do. When I do finally reach someone, they are rude and/or place me on extended holds ( sometimes more than 30 minutes! )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: AR
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:
Theres a bankruptcy reporting on my credit file that shouldnt be there. XXXX, XXXX and Equifax has not investigated this problem accurately. They did not physically check with the court house to verify bankruptcy. This bankruptcy was voided.

Company response to consumer: Closed with explanation