BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX @ XXXX XXXX  this communication was received from XXXX XXXX : regarding our conversation on XX/XX/XXXX, about the proof of payment for the XXXX payments you madethe clear dates you provided me, match the payments made to another account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to move a credit from another account that was meant for yours, but one of the 5 payments made to his account was refunded to another account, which is the reason for the {$30.00} balance due remaining on your account XXXX  phone records will attest many failed phone-call attempts to receive XXXX XXXX  evidence of the alleged attached never received {$30.00} refund : attached as : Status UNPAID Date of First Delinquency XX/XX/XXXX XXXX XXXX office staff refused to read the above communication @ XXXX XX/XX/XXXX. XXXX XXXX alleged XXXX Manager XXXX XXXX refused to provide an email address to receive the above communication during her XX/XX/XXXX XXXX initiated phone call. XXXX XXXX additionally called XXXX XX/XX/XXXX from XXXX with voice message : Hello Mr. XXXX XXXX XXXX XXXX returning your call. Ill try later. 

The above XXXX XXXX, XXXX call was in response to my phone call to XXXX XXXX XXXX , chief executive officer for XXXX XXXX , the reported XXXX XXXX legal owner. 

As the above {$30.00} refund has never been received by me, the {$30.00} falsely alleged due XX/XX/XXXX represented by XXXX XXXX remains paid. The attached is the XXXX-account provided by XXXX XXXX to make the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX reported payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
For several years now I have been trying to get XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to remove the FRAUD accounts that were opened by XXXX XXXX. I have supplied the Credit Reporting Agencies with the police report and FTC fraud affidavit and said they had to remove the block this is not right they fail to show me where i opened either one of the account and at the time was working overseas for the XXXX. So i am requesting that the fraud accounts be blocked and removed per statue FRCA 605B USC 15. Its like they can show a statement and they have enough evidence no the need to prove it or remove it. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
OnXX/XX/XXXX I file a complaint with Cash app regarding paying for services I never received and that the receiver of my funds of {$250.00} refused to pay me back my money and refused to complete the service. I sent pictures as well as all other information that was requested by cash app. Cash app requests me to send the information in 2 additional times. The last time I refused and I felt like they were not taking me serious as a customer. My cash app name is $ XXXX my phone number associated with the account is XXXX. The information regarding the receiver XXXX XXXX that they request cash app name is $ XXXX his phone number XXXX the transaction number XXXX. Time and date of transaction -XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I sent a letter way back 3rd week of XXXX to file a dispute on inaccurate and unknown items on my credit report. I sent another letter on the XXXX of XXXX to complain about not having heard anything from them and under the FCRA they have to respond back to me within 60 days and have not received anything until now. I will have to file legal actions if this is not resolved as soon as possible.

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 2020-12-07
Company: EQUIFAX, INC.
State: NV
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:
Someone may have stolen my identity. There are accounts, addresses and inquiries that don't belong to me. Please remove them. I have attached my personal information as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020 I notice on my XXXX XXXX I have a new inquiry about an XXXX XXXX XXXX service. 100 % percent sure I have not applied for credit for any of their services I have contacted them over the phone. Their answer was clear nothing they can do since they have no records of this transaction. I called equifax they instructed me this needs to be removed by XXXX XXXX XXXX. I'm a worker with very limited time and gave up. This week I have received the same credit inquiry type of transaction from a consumer credit for XXXX. I don't shop in XXXX been to the store 2 in my life and have mever applied for the supposed store credit card. This credit inquiries only show in Equifax not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America has consistently charged my checking account overdraft fees that are fraudulent and frivolous. Each time I have attempted to resolve the issue it resulted in a refund. However, this time they consistently put a POS Reversal on my account. Each time the POS Reversal appears it resolves itself as if it never occurred. The POS Reversal results in my account appearing to be over drawn. A few hours later my account is positive and the POS Reversals are no longer on the account. 

Secondly, the overdraft charges I received on XX/XX/2020 were erroneous. I called the bank to complain and was told they would not refund my money. I advised the manager that I wanted her to increase my daily withdrawal limit to {$1500.00} so that I could withdraw all of my money and then take my business to another bank. The manager blocked my atm card and disconnected my call. I was stuck in traffic, had no gas and needed access to my funds. These charges and more have caused my accounts to consistently overdraft. I was also advised by customer service that banks do not process over the weekend and my charges from XX/XX/XXXX through XX/XX/2020 did not process until XX/XX/2020. This resulted in my account appearing negative. I transferred {$100.00} from my savings account to the checking account on XX/XX/2020 and an additional {$200.00} was deposited to my checking account on XX/XX/2020. Bank of America received a total of {$300.00} to my account between XX/XX/2020 and XX/XX/2020. There is no reason why my account over drafted and no justifications for the over draft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Subject of Complaint, Company, and Employees Misleading and Harmful Loan Pricing and Product Information by Loan Officers Suntrust Mortgage, Loan Officers out of their call center in XXXX, VA. 
Loan officer XXXX XXXX, and backed by his supervisor XXXX XXXX Complaint : On XX/XX/XXXX and XXXX, 2019, I had conversations with loan officer about a refinancing. I told him I had started an application with another lender. This loan officer quoted me interest rate of 3.87, a quarter point lower than the first lender I had an application with. We continue discussion as if this was a conventional agency loan, and there was NO mention whatsoever that this was a special bank portfolio loan. I go ahead and cancel my application with first lender and start an application with Suntrust based on the loan officer 's quote and thinking this was a straight forward agency product. 
Sure enough to my surprise, the next day after I start application and start uploading documents, I learn that he sold me a portfolio product. This is product underwritten for the bank 's own portfolio and not per the well known standards of conventional agency loans. This product requires different financial criteria that are different from bank to bank. It is very different than your regular conventional agency loan with well known standard financial criteria for approval. 
The loan officer mislead me into this product with the lower rate but said nothing that this is the special portfolio product. I could not believe he intentionally chose not to disclose the special nature of this loan and it's underwriting criteria. 
I request to cancel my application because did not want to take a chance with the bank 's own underwriting criteria which often involves the judgment or the individual underwriter, unlike the agency conventional products that have standard financial ratio 's. 
When I complained to the supervisor, the supervisor backed the loan officer, and that the portfolio loan type is not a material information to disclose.

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 2022-08-05
Company: EQUIFAX, INC.
State: MD
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: GA
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:
EQUIFAX IS STILL ALLOWING FRAUDULENT INFORMATION TO SHOW ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: OH
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
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:
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX have failed to do their job on the data breach FTC violation that caused my credit report harm XXXX and Experian has done a great job looking. into the FTC violation but will be added to the security so they can check on updates

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 2018-04-04
Company: Experian Information Solutions Inc.
State: MA
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:
Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paper
work then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX  veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX  awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, 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 2020-11-17
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Yes I just purchased a new lease vehicle. Called ally bank. Asked for a deferral. They told me I have too weigh 6months. I'm in social security XXXX. Going thru hardship. Also corona virus. Hoping too get deferred payment. Hope they can make exceptions

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: HYUNDAI CAPITAL AMERICA
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went into a dealer to buy a car and the salesman turned me away before running my credit and asked me to leave so I don't understand how they could run it when they told me they weren't going to because they didn't want to sell me a car

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 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For over ten years now, XXXX  has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by XXXX  reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX XXXX & XXXX, XXXX. And my phone number is : XXXX. 

XXXX must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with XXXX and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.

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 2017-12-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I talked to Shellpoint Monday, XXXX/XXXX/XXXX about all of the necessary documents needed for my short sale. I faxed them off the same day and received a fax confirmation. 

Today, XXXX/XXXX/XXXX I received a call from the XXXX XXXX ( Single Point of Contact ) stating that they did not receive my documents with XXXX dates or signatures, which is false. He also stated that now they need new, updated bank statements and pay stubs, which was never mentioned on my call with them on Monday, XXXX/XXXX/XXXX. I am getting ready to refax ALL of these documents again. This is so ridiculous. They are extremely incompetant. 

There is still a clear lapse in communication with this mortgage company. They constantly lose documents and give inaccurate information. This is slowing down my court-ordered short sale process. I am still paying other bills on this property such as security to protect from squatters as well as HOA fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TMS The Money Source has failed to pay my property taxes in a timely manner, despite being set up with an escrow account, and it took me, the customer, to help them find the error since they wouldn't have caught it without my intervention. 

XXXX - Contacted TMS about tax disbursement from Escrow to confirm they had received tax bills XXXX - Uploaded tax bills from XXXX to TMS website just in case they were required. 

XX/XX/XXXX - TMS pays XXXX XXXX XXXX XXXX XX/XX/XXXX - Reach out to TMS and find out why the other two tax bills ( XXXX and County tax ) were not paid. Found out that on XX/XX/XXXX my account was set to No Escrow with no record of why or how that change was made. Upon further investigation, TMS found that my taxes would not have been paid and started to enable Escrow back on my account. I was told that this take 5-7 days and that my taxes would be paid afterward, which means my taxes are going to be late. I have never had a late bill in my life, and now because of TMS 's error, I will have two tax bills that will be reflected as late. 

TMS has been unable to give me a date as to when the taxes will be disbursed and just that it will happen after 5-7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Recovco Mortgage Management, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have 8 refinance loans in progress with Sprout Mortgage. On 6 of them, they did not send out Edisclosures within the 3 day period, so far 6 of those loans in, they requested me to resubmit the files, They admitted that it was their fault and so that they would try to send out Edisclosures in a timely manner this time As according to them the loans are out of compliance One of my borrowers has already cancelled their loan because it was taking too long Most of these files Sprout has had over 75 days One client that I have 5 loans in progress is ready to walk away This is not the way to run a company, it's the worst lender I have ever dealt with My reputation to my clients is getting smeared in the process as they think it's my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: U.S. BANCORP
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 US bank contacted my home owners insurance company and assigned a fraudulent mortgagee claim to my property costing me a fee to remove. The loan XXXX did not close due to false information provide by USBank on my loan application, incorrect appraisal and requirements.

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 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paperwork then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, 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 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 initiated a credit investigation with XXXX  and Trans Union back in XX/XX/XXXX. We're now into XX/XX/XXXX, and I have yet to receive the results. I was supposed to have them inside of 30 days.

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