BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: AL
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:
When the bogus accounts were first noticed. XX/XX/2019 I sent information to them as well as contacted them regarding the issues they first came back with information had been verified as accurate this information is not mine. I also spoke with a representative that stated that they would not investigate the fraudulent accounts they would send it to the creditor reporting and have them investigate it. I have notified the credit reporting agencies more than 3 times and they have yet to correct 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 2019-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I am a XXXX XXXX currently serving XXXX then on XX/XX/XXXX of XXXX I received an email that said thanks for your bank transfer of {$9800.00} I immediately called and cancelled my card and reported it is fraud. Three weeks later I received the email again for the same amount when I hadn't yet received my new card. I called and reported it as fraud again to which they told me they were cancelling the account again and sending me a new card. After a month they called me up and told me that it was not fraud and that I did it which is not true because I have never done anything with the bank that the money was transferred into.

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 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Due to the Coronavirus, I opened an account online with Bank of America. We had moved to a new state and were trying to set up new checking and savings accounts but could not conduct business in-person like we prefer. The application went smoothly and the account was opened. B of A issued a debit card in the mail and I opened online bank and the mobile app. I funded the account with {$100.00} into savings and {$100.00} into checking on XX/XX/XXXX from my other account. I used the mobile app to deposit two checks in the amount of {$400.00} and {$340.00} on XX/XX/XXXX. Shortly thereafter, Bank of America informed me that my account was closed without any real explanation. I visited a branch and learned that there were problems with my ID not being accepted by the automated system. The branch and various chains of management were unable to verify my identity even though I was physically present with two forms of ID. They could not override the account closure and assured me that my deposits would be refunded via a cashier 's check in the mail. They could not cut me a check that day because holds were placed on my deposits. We have visited another branch to check on the status of the cashier 's check. It had been issued as two checks, one for {$100.00} and the other for {$840.00} on XX/XX/XXXX. We received a bank statement showing XXXX balance today ( XX/XX/XXXX ) but have not received the cashier 's check ( s ). Where's the beef? They have also sent me two letters ( XX/XX/XXXX ) informing me that my name may be reported to XXXX XXXX and XXXX XXXX XXXX, and may prevent me from opening new accounts. 

I do not know what recourse we have with Bank of America if we do not receive a refund of our money from an account that they closed in error. B of A is completely unhelpful in-person or over the phone, it's always someone else 's department and " coming in the mail. '' Hopefully, the check arrives soon. Meanwhile, I am submitting this complaint to start the process of recovering {$940.00} more or less bungled/stolen by Bank of America. They approved the account, let us fund it, then some fraud algorithm closed it and the branch managers act helpless while they keep the {$940.00}. This is an unacceptable business model, especially during a health crisis. If they want to scam people, let them scam deep pocketed folks who may not notice and not the mother of XXXX ( including XXXX XXXX children ).

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 2019-01-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The TD Bank, NA in less than 48 hrs.debited my checking account that I have with them 3 times for the amount of {$35.00}, brought a total of {$100.00} as of overdraft fee even I do have a saving account ( with enough balance ) linked to that one.

This is not the first time I have to write to you regarding the same matter, but in the past as well, and I do not know why the TD Bank does the same practice regularly no matter how people like me have to make ends meet the budget. 

This is my first step trying to solve this reality and I hope to be the last resort and not have to go further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-13
Company: FIRST HORIZON BANK
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My actual closing documents were nothing like the good faith estimate provided by my lender. 
The lender had several charges added to the closing that were not applicable to my loan. 
Septic inspection ( on sewer ) {$500.00} Well inspection ( city water XXXX {$300.00} Several more that my realtor caught. 

Basically my closing was so haphazardly put together that no one could figure it out. 

The Bank of origin was First Tennessee XXXX XXXX was point XXXX XXXX was processor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRUIST FINANCIAL CORPORATION
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 obtained a copy of my credit report and found that two companies were incorrectly reporting me as being delinquent on accounts that have already been paid off. I wrote both companies detailed letters addressing these errors and asked them to correct them. Company # 1 made the necessary corrections. Company # 2 has refused to correct the errors stating, " Based on the research, we have determined the account is being reported accurately to the consumer reporting agencies and will continue to be reported in the current manner. '' I have written several letters to Company # 2, made multiple phone calls, and even contacted the XXXX XXXX XXXX, yet nothing has changed. Their refusal to correct this error is unjustly and negatively affecting my credit report and credit scores.

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 2020-08-20
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the CARES ACT, my loan servicer offered forbearance options, however the law instructed mortgage Servicer 's to suspend reporting past due payments to credit bureaus for COVID specific forbearances. 

Showing my loan in forbearance on my credit report, is in fact reporting my payments are past due.

SLS has reported Account in Forbearance to credit bureaus. This was misleading to me, the consumer when offered. Its important to have all the information as a consumer upfront to make the best decisions for my situation.

This account status is affecting my ability to secure additional funding. To creditors, it appears I am in fact past due There is nothing that distinguishes me being affected by COVID in a forbearance to a normal or customary forbearance plan.

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 2020-05-11
Company: FISERV INC.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
After ordering from XXXX they suspended my account. They sent me this info in an email that you can not reply back to. Routing : XXXX Business Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Account Phone : XXXX EIN : XXXX The funds were taken from my business account and I never received any of the items I purchased. I called Telecheck and they told me I had a negative remark on my drivers license from an account with XXXX XXXX. My drivers license is from the state of Kentucky and the number is XXXX. Upon hearing this I call XXXX XXXX  because I have never had an account with them. They pull up all of the info and tell me they dont show anything. I want to know wh is lying and has fraud been committed against me?

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 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: LEXISNEXIS
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 have entered a dispute to have this BK removed from my file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. None of the 3 credit bureaus can verify the BK, ( because the court doesn't share information with credit companies ). LexisNexus is staying that one of the credit bureaus have verified the bankruptcy which is untrue. They refuse to remove this public record or state how it has been verified. Ive reached out to pacer and the BK courts and they both have stated that they do not share Bk information by way of phone, fax or email. LexisNexus has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file. This negative/unverified report is hindering me from getting credit extended to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: TX
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:
WRONG SSN Experian : XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX ) XXXX ( XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX Collection account. {$920.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX 

XXXX XXXX  XXXX Account charged off. {$270.00} written off. {$610.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX {$1600.00}. 

XXXX XXXXN XXXX {$1200.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$6000.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXXXXXX {$3500.00} Account Status120+ DAYS PAST DUE. 

Inquiries XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2019-01-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I wrecked my vehicle. On XX/XX/XXXX2018 two checks were sent out to pay towards my car loan by XXXX. The payment was in the amount of XXXX on my XXXX loan. XXXX has been wonderful however, the lean holder Santander Consumer USA has stated they have yet to receive either checks from the insurance company. A month passes by and Santander has not contacted me and has charged me a late fee. I have proof that the insurance company has paid out however I believe that the company does not want to cash out the check in order to continue to accumulate interest as well as late fees. I then contacted my insurance company and informed them of this so XXXX  contacts Santander Consumer USA and the lean holder requested that the insurance company resend the funds.This included the account number as well as the date. XXXX then sends the funds yet again in the amount of XXXX on XX/XX/XXXX. Still They have not reached to me and on the insurance company 's end the case had been closed. ( meaning the the lean holder has collected the check ) They have yet to allocate the check towards the principle balance. At this point im collecting interest, receiving late fees, and not getting a clear answer from the Santander. I have also called several times asking to speak with a manager or the department that handles the negotiations of loans however the reps tell me that I am not permitted to speak with that department. When speaking to a manager the manager refused to read the contract to me and also disconnected the call. At this point I feel that this is consumer abuse and that I need to place any additonal charges to a halt. Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: U.S. BANCORP
State: MI
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:
XXXX XXXX was informed via certified mail that the inquiries they made on my credit reports were not authorized by me, and had no permissible purpose. This is in violation of section 604 of the FCRA.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

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 2019-01-13
Company: National Commercial Services, Inc
State: TX
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:
Rented a car from XXXX XXXX XXXX in Colorado. I was parked and hit. I gave the license and insurance of the individual who caused the accident. Months later, i was charged for the repair. I thought it was handled. The rental car agency sent the item to collections. This should not be on my report. I was the victim of a crime. I have been under duress, making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Lincoln Educational Services Corporation
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Lincoln Tech has destroyed me financially. They have several accounts against me FOR THE SAME THING. They have grossly over-inflated what they are saying I owe, and they are keeping MY Pell Grant money in the amount of {$2500.00} from me.

I was enrolled for ONE AND A HALF MONTHS, and they're  saying I owe more than {$5000.00} ( depending on what report you look at ). How?! I had Grant 's, scholarships and some loans. The loans were cancelled because I withdrew so quick. An ENTIRE month, was ORIENTATION, where all students and the instructors ... SAT AND PLAYED COMPUTER games ... how's that worth anything?! Let alone the thousands. I'm disgusted. No wonder they has a class action. No wonder actual shops DONT HIRE LINCOLN GRADS. 

They mislead and lied to me, which I find funny ... look at their CLASS ACTION LAWSUIT and this will all make sense. They declined to inform me of the procedure of accepting things like Grant 's. I just accepted my {$2500.00} Pell grant YESTERDAY to find that they accepted it on my behalf, and disbursed it ... sometime between XXXX and XXXX. 

They call my residence ( I live with my grandparents and daughter ) and if I'm not around due to work, etc, I come home to hear HORROR stories of how rude and disrespectful these people at Lincoln are to my XXXX YEAR OLD GRANDPARENTS. 

I resorted to looking into redeeming MY PELL GRANT that I worked hard for because I'm in a tough spot with my daughter. They stole from and lied to a single father, who's XXXX and was trying to better my life and my daughters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
in XXXX, after the Corona situation, i reached out to the bank asking if they would allow a break from Mortgage, since my husband was not working at the moment and I was paying more bills. I was offered three months of no payment ( forbearance ). I did not get any documents to sign yet. In XXXX, i received an email from XXXX XXXX and he informed me that i qualify for a re-finance with a lower interest. I was excited to hear that, i said send me the information for review please. he sent me a bunch of numbers, which looked good. I agreed to start the process. He emailed me when he wanted something, and was never really clear as to why my documents stated PMI was being applied. I than reached out to him via phone and no response. When he finally responded, he said that I should be receiving a refund of at least $ XXXX to be sent back to them ( he offered to take care of it personally ) and they will drop the PMI. all the paperwork said I would have a new loan of $ XXXX. I signed off on the documents and I was very hesitant with the minimum information I was receiving from him. The loan officer witnessed my whole conversation with this guy. it has been a month, and I didnt receive any refunds. I called him and no answer, i emailed him and no answer. I called his Boss XXXX XXXX, and he said he will look into it and call me back. A week later, and nothing yet. I got an email this AM and I am being told that the money was credited from my original loan. Now I owe $ XXXX more than what my original loan was?!  No one seems to have an answer for me! No one is returning my call. and I do not have a bill to pay till now! I need help please. I am suffering with this company and I regret every minute I spent with them. Please help me! I should not owe more than what i was told and I should have a refund!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to the documents it provided. I believe I get Identity Theft because I am not in the United States and the moment, and the spelling of the signature on contact is wrong. I contacted the IQ Data to discuss the issue, and report to the credit bureaus.

I also report to the police and IQ Data and it client should validate before filling to my account. The credit bureaus even get any soft pull request from the apartment for credit history check. 

Please remove the mark that not belong to me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13
Company: BMW Financial Services NA, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I just buy a BMW at bmw dealer, weh have finance with bmw finance, i know they help to get the car, they are very good sales and manager was nice we us, we just ask to have better interest rate on the loan because we trade a XXXX XXXX XXXX XXXX with less than 11,000 miles, almost new..we ask for more on trade.by the can't get more for the trade.we said ok so give me a better interest since we have 1,9 percent with XXXX XXXX in the XXXX..i was not expecting the same rate but better than 7,9 that we get we ask they said is the best we can do..i believe they can do better since we never miss a payment on my mortgage or on the car loan.also my husband and i we have a total income for about 80,000 a year. also we put XXXX dollar down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: EQUIFAX, INC.
State: MI
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 been going back and forth with the XXXX  about my dispute with XXXX XXXX reporting " paid charge off ''. This item continues to be on my credit report. XXXX XXXX has ask that this derogatory statement be removed.

Company response to consumer: Closed with explanation