BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My original complaint, XXXX, was about not getting loan information on time to make the 1st payment and GM Financial not responding to my calls. Today I finally received the information from GM  Financial, I bought the new truck on XX/XX/2020, and it shows me being a month late already. I sent the 1st payment to the dealer as instructed and my check has cleared my bank. I called GM Financial customer service as soon as I received the letter and all they will say is they don't have it and I must find out how it was sent, when it was sent. This is all  information they and the dealer, XXXX XXXX XXXX in XXXX XXXX FL have, not me. As before they have not returned a call to me concerning this problem. Also, I have heard nothing about the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 CAPITAL ONE BANK USA. 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 CAPITAL ONE BANK USA 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/XXXX- XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have repeatedly tried to get Equifax ( to whom I pay for a credit monitoring service ) to correct my address. I have already mailed my driver 's license, SSN card, cover letter, several times yet they keep losing it or otherwise fail to update my information. What is more, the other two major credit reporting bureaus and my two banks and all my utility companies have the correct information on file. Equifax is negligent since they, out of all the other organizations, have the incorrect information. I am utterly sick and tired of mailing the information to them and dealing with them on the phone, to no resolution. Please help and please hold them accountable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years

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 2020-05-18
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The original creditor is XXXX XXXX. 
- The debt collection agency is LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX PH : XXXX OR PH : XXXX. 
- The amount listed on the credit bureau reports is {$560.00}. 
- I have attempted to dispute this account minimum of 2x with each individual credit bureau agency ( XXXX, XXXX and  XXXX  ). I have also called LVNV funding directly requesting a validation of the debt. I do not recall this debt at all. 
- When I reviewed my XXXX  report it list date of first delinquency XX/XX/XXXX ; delinquency first reported on XX/XX/XXXX and the date the account was first opened XX/XX/XXXX. How do these dates make valid sense? I am simply requesting an explanation and proof of this debt. 
- When I reviewed my XXXX  report is states date placed for collection XX/XX/XXXX. 
- When I reviewed my XXXX credit report it states collection opened on XX/XX/XXXX and the account type is a " FACTORING COMPANY ''. 
- I have all three copy of copies that support this information above. I have also attempted to contact XXXX XXXX - but I was advised to contact the debt collection agency. I have a current XXXX  XXXX credit card holder this is further more I do not understand what account this debt collection agency states that I owe. It is my right to be provided documentation to this aforementioned account. The credit bureaus have stated this account has been verified ; however no means of how this account has been verified to me directly and it is my credit profile that is being effected. I respectfully ask for this account to be validated or removed for all of my credit bureau profiles. I also request proof of when any correspondence was sent to me to discuss this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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:
The Crefit Bureau EQUIFAX are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows Equifax Reports the following accounts that are not mine and proof supporting that was provided XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
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 an FHA loan from BB & T and due to the pandemic we have had no option but to apply for a forbearance plan. They have called me countless times from beginning of XXXX ( I didn't pay only the month of XXXX ) to tell me I have a missing month that in fact the forbearance plan I applied for will put XXXX in the end of my loan term. I have heard the word foreclosure countless times, until I school them on what my plan and rights are. I applied for the plan that puts my missing months towards the end, I am not missing payments to get calls 20+ times. Agreements don't mean anything anymore. They call me and ask about my information before disclosing anything, how can I trust them if its no scammer. Each call takes 10-15 minutes of my day, due to an error on their end.

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 2020-05-18
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$370.00} US DEP ED XXXX {$3800.00} XXXX  XXXX {$23000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$280.00} XXXX   XXXX {$770.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX {$650.00} XXXX   XXXX {$5300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with SUNTRUST BANK. 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 SUNTRUST BANK 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/XXXX, XX/XX/XXXX-XX/XX/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 2018-07-16
Company: Southwest Credit Systems, L.P.
State: CO
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:
Southwest Credit Systems, L.P. at XXXX XXXX XXXX, XXXX, TX, XXXX, has falsely reported to XXXX that I did not compensate XXXX for the amount of {$170.00} for service rendered between XX/XX/XXXX to XX/XX/XXXX at an address at which I have never resided. When informed of this collection activity, I called Southwest Credit Systems, explained I was unaware of and not responsible for charges at an address I knew nothing about. I was told at that time they would inform XXXX that I was likely a victim of identity theft, and the charges would be dropped. Instead, I find they have reported it as an unpaid collection item to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Dovenmuehle mortgage inc, they are the loan servicer on my FHA mortgage, about Covid-19 hardship forbearance at the beginning of XXXX after 2 weeks I had not heard back about the details of the forbearance so I gave them a call on XX/XX/XXXX. I was told that I was already in forbearance as of XX/XX/XXXX and I would only get 3 months of forbearance as opposed to the 6 months guaranteed by the cares act and that my payments would also be due at the end of the 3 months and I would be reported as late for the 3 months as well. When I asked why I couldnt get the 6 months and I could roll the payments to the end of the mortgage I was told that that they were in compliance with all the federal agencies. I also was told I wouldnt have the written details of the foreberance program that I was placed in with out me having a chance to discuss it with them for another 30 days, if I hadnt called I wouldnt have even known I was in foreberance at all. The way this company is handling the situation caused by the global pandemic is unethical and I would like the situation remedied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Experian Information Solutions Inc.
State: NC
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 was " joint '' on an authorized user on an account that was my husbands. The account was included in his bankruptcy which should mean it is not on my credit because i did not file nor was i the responsible party. Experian refused to remove the inaccurate 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 2020-09-09
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: Was not notified of investigation status or results

Complaint:
Attached are letters asking for proof of investigation. This letter was sent certified and I have attached proof of delivery on XX/XX/2020. This credit bureau has failed to send any proof of investigation to date. They did change the status from open to close. Other credit bureau has deleted the items from my credit report. They have had more than 30 days to investigate and send proof of investigation or be in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Loan Depot did not follow closing documents. 
Date Issued XX/XX/2020 Loan Closing XX/XX/2020 Disbursement Date XX/XX/2020 Check received to borrower XX/XX/2020 At closing with a notary the closing disclosure it shows money to borrower {$20000.00} but I received a check today for {$19000.00}. This was after the mandatory 3 days on which to cancel. I would have cancelled if I had known that Loan Depot would do this, but they do this after it is impossible to cancel, very poor company. When I called Loan Depot was given all sorts of excuses about credits, etc. Loan Depot is very hard to obtain customer service, previously with XXXX and they respond immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been banking at Regions Bank for years. Over the last several months from XXXX to the present date, XXXX 19,2020, Regions continues to charge me overdraft fees totaling almost {$700.00} during the months of XXXX and XXXX. Ive contacted them numerous times, but they only try and scold me about what I should do and theres nothing they can do about the fees. I dont receive any notice until weeks after they charge these fees and when I make a deposit before XXXX to cover the charges made, they dont post them until the day after which makes my account accumulate overdraft fees instead of posting the deposit that day before XXXX as their policy states. Many times, the overdraft fees incurred come by way of the monthly fees they charge me for the account. The fees theyve charged me are recurring for the same thing, and accumulate to more than what the actual overdraft amount is. I just need help to get the fees returned to me as well as close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2019 I filed a dispute online today in reference of a wrong credit report to 3 credit reporting Companies by Specialized Loan Servicing LLC SLS I relation to my mortgage No. XXXX reported to your Company as paid in XX/XX/2019 when in fact it was paid by wire transfer from the XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. The wire in the amount of {$100000.00} as listed in the written payoff demand submitted on XX/XX/2019 by SLS Mortgage. A dispute ensued between SLS and XXXX over a small amount due on insurance ; finally SLS agreed to accept the settlement and sent a statement with XXXX balance due on XX/XX/2019 ( see copy attached ) SLS reported the mortgage unpaid for XXXX, XXXX XXXX and XX/XX/2019 although they received the total settlement funds on XX/XX/2019 and this has been impacting my credit score on my credit report. The mortgage was paid on XX/XX/2019 and the past due mortgage reports for XXXX, XXXX, XXXX and XX/XX/2019 must be deleted and my credit score restored to the same number it was before SLS negative reporting. Supporting documents from XXXX are available for review ; several letters to SLS mortgage requesting revision on the credit reports remain as of today unanswered. Please advise, 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 2021-02-25
Company: CITIBANK, N.A.
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 belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX CBNA, and XXXX/XXXX.. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$10000.00}. The Account Opened is CBNA Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2017-08-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over 10 years ago, I inquired about the loan forgiveness program for XXXX and or those working in XXXX XXXX, and I was told that I had to make " consecutive payments '' for 10-years, and to call back after all payments were completed - this information was given to me by customer services ( I am not sure which lender I had at the time ).
Well, over 10-years have gone by, and I called back to inquire about the program, and I was told I did not qualify because I had never completed the " proper paperwork '' to qualify. I stated that I was not told that at the time, and that all I should be concerned is " making consecutive payments for 10-years ''. I was told by Navients customer services representative, there was nothing they could do. All they can do is start me on the program and start the program from the beginning - and not taking into consideration my previous payments. I was shocked and sadden to learn I did not qualify for the forgiveness program due to being misinformed - is there anything that can be done? I have thought about getting an attorney, but same that seems useless. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 2 ) 1681i On XX/XX/2018, Capital One made an  unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with Capital One as well as with XXXX  and they never removed the inquiries. Additionally, this inquiry, along with others by other corporations during this time, significantly and negatively impacted my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. When I attempt to login to Cavalry 's website and see what this is about I get an error message saying I need to contact another company. Meaning Cavalry no longer has control of the alleged debt : yet it is still reporting. I have received no communication from the other place which is alarming to me.

Company response to consumer: Closed with non-monetary relief