BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. I closed my loan with Loandepot on XXXX XX/XX/2019. I had talked to XXXX XXXX about refinances and they gave me a better loan rate. I sent a e-mail to Loandepot on XX/XX/2019 telling them that I wanted to cancel my loan application by e-mail. I mailed the notice of right to cancel on XXXX XX/XX/2019, by US Mail, on XXXX XXXX I checked the tracking number and it had arrived before the midnight deadline. Loandepot claim they did not receive the e-mail or the letter, that the post office stated that it was had been delivered when I checked the tracking on XXXX XX/XX/2019. They claimed that they did not receive either. XXXX XXXX pnone XXXX, Was the one that started my loan, Lendind Officer wasXXXX XXXX XXXX account Mgr. XXXX XXXX XXXX Account Manager. The first time I found out that they had paid the balance of my account off was when I logged on to XXXX site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with BBVA Compass in early XX/XX/XXXX. The sales representative offered a {$200.00} rebate within 3 to 4 weeks of the first direct deposit. It is now XX/XX/XXXX, I went back to the bank, and now the terms and conditions state that it may take 120 days to credit the account. The sales person sold me the account under false pretenses in order to get commission and my account has not been credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Submitted application for XXXX XXXX credit card due to my credit file being restricted to obtain credit without verification I had to do extensive verification I went through that process with representative as she verified identity she proceeded to process my application when she presented me status she stated it was denied due to info not being verified I find that hard to believe with every piece of information matched up to my identity as well as what is on credit file I feel as this is an act of discrimination why credit wasnt granted and I want this to be looked over the reason for decision was not warranted and not fair.

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 2018-01-03
Company: Experian Information Solutions Inc.
State: NV
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 multiple dispute issues with Experian, XXXX and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer.

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX Status makes no sense, delete this immediately : Experian and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that Experian and XXXX report a monthly payment of {$0.00} while XXXX  reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX/XXXX $ XXXX/XXXX {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX/XXXX $ XXXX/XXXX {$68000.00} Past due : Experian and XXXX $ XXXX/XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.

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 2017-07-15
Company: IQOR US INC
State: GA
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:
I have never applied for a private student loan. I do owe this company, I did n't agree to any part in a Private Loan, The Schools Financial Personnel Conducted Fraudulent Practices In This Claim.

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 2017-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Capital One 360 Account with promotion code XXXX  going to web address https : //www.capitalone.com/bonus400/. This was to receive a {$400.00} bonus when opening a checking account. The terms were as stated : ( 1 ) must be the primary account holder and has to be your first 360 checking account ( 2 ) must accept the terms on a new 360 Checking Account by XXXX XXXX, 2017, and ( 3 ) receive 2 direct deposits of {$250.00} or more within 60 days of accepting terms and conditions for your new account. You will receive the {$400.00} credit to your checking account.
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I completed all of these steps and still have yet to receive the bonus. When contacting customer service by chat I was told that I was n't going to receive it. When I opened the account I put in the code and it accepted it and told me I would. This is fraud by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Rhode Island Student Loan Authority
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am the co-signer for the loan taken with Rhode Island Student Loan authority. The loan owner was making payments with the loan provider. The loan owner had some life changes with job and personal life and defaulted on the loan. I didn't know the loan defaulted. RISLA hired a collections lawyer ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ) sending me collections notices and judgments letters demanding money. I spoke with them to ask them why haven't they tried to reach the loan owner and they said they can't reach her and we are going after you for the money. I told them I have her contact information but they said they didnt want it because they are going after me. I have hired a lawyer to help because I have to keep my credit clear to keep my employment and I just didn't know where to turn. The lawyer was not help at all, he put me right back to the same area I am now. I am currently in school getting my masters, after I finish I will have my federal loans to consider for myself. They would not give me an reason why they could not work out an agreement with the actul loan owner. If you can help me that would be wonderful. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Expedite Financial, 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: Account information incorrect

Complaint:
I brought my car to a dealership to get fix and used my XXXX XXXX card..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with XXXX XXXX stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to XXXX XXXX I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from XXXX  XXXX..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now XXXX  XXXX ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..

Company response to consumer: Untimely response
Consumer complaint received 2019-11-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview Loan Servicing currently holds my mortgage, I requested a loan modification and they denied it because they claim that I defaulted on a modification in the last 12 months but I have not had a modification in the past 12 month my modification was almost 2 years ago. They only allow me to speak to one dedicated representative who is never available and when I try to schedule an appointment with this person, no appointments are available. I have sent at least 5 email and left at least 5 voicemail to the dedicated representative and have not received any response. I have also requested an appeal of the modification they just rejected and to be placed into a Forbearance and Bayview has not responded to either request. This is starting to feel like predatory lending. I have a lot of equity in my home and I don't want to loose it, I have been making my payments but they are not being applied to my loan, even though they are accepting the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
During the time I was in the market for a personal loan, I found XXXX XXXX appealing because their website states that an application does not impact my credit report. 

On the FAQ section, at the very bottom, the website states that the following : Will my credit score be affected if I apply? 
When you apply for an XXXX XXXX loan, XXXX XXXX will pull your credit report in order to determine what lending products you may qualify for. This inquiry will not impact your FICO credit score. 

But I found out this weekend, that this is not true at all. In fact, I have XXXX hard inquiries on my credit report from this company on XX/XX/2021 and XX/XX/2021. When I found out about this I emailed XXXX XXXX and requested they remove the inquiries because their website is misleading. 
The company responded to my email, they would not address the discrepancy and simply refused to remove the inquiries. As I look at the company reviews today, several websites such as XXXX, XXXX XXXX XXXX XXXX also state the company does not do hard inquiries which further add insults to this situation because people are coming to same conclusion as me and its not right to be so deceitful. 

In fact, XXXX 's review on XXXX states that they will report payment history to the credit bureaus and that's not true as all, they only report negative payments not positive history. I called several times about this as well because my loans have never reported and I didn't find out until well after the loan was disbursed.

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 2019-05-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of the date of my last complaint, XX/XX/2019, I received a call from XXXX, an escrow analyst at BMO Harris, and she advised me on XX/XX/XXXX that the corrections had been made, the payment corrected, and the escrow overage returned. She specifically stated that the check would go out that day ( XX/XX/XXXX ). I followed up with XXXX on XX/XX/XXXX to clarify the amount of the refund, and to confirm that the check had been sent out on Friday, XX/XX/XXXX. She provided the refund amount, confirmed that the check had been sent, and advised that my new payment would go into effect XX/XX/2019. I had not received anything as of XXXX so I reached back out to XXXX and left a message. I also left a message with their escrow team as well. When I did not get a response from either, I call their customer service team. I spoke with a rep named XXXX, and he advised that the check was just sent on XXXX. I mentioned how frustrating this whole process has been for me, and he laughed and stated, " At least this is done now. '' First of all that is an exceptionally poor response when someone tells you they are frustrated and been dealing with it for almost 2 months. Secondly, I have no faith in the info provided as this is now the second date provided for when my refund check was sent. Thirdly I have no faith that my payment will actually adjust.

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 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 multiple dispute issues with XXXX, XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX TRANSUNION XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer.

Here is my dispute to XXXX, XXXX  and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX XXXX TRANSUNION XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX/XXXX and TransUnion {$0.00} Past due : XXXX and XXXX $ XXXX/TransUnion {$65000.00} XXXX shows that I paid on time for XX/XX/XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XX/XX/XXXXand XXXX or XX/XX/XXXXwhile XXXX clearly shows that I paid on time. Delete this account at once! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX/TransUnion and XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.

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 2022-02-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, Chase attempted and failed to debit my bank account for an autopay transaction due to insufficient funds. On XX/XX/XXXX, Chase attempted another debit which completed successfuly. Regardless, I was charged a returned payment fee and interest on the balance. I contacted Chase over the phone and was connected to a support agent. I requested reversal of both returned payment fee and interest charges and I was only granted a reversal of the former, which I accepted. I then inquired whether any residual balance remained that would collect interest. The agent told me that there was no revolving balance that remained. On XX/XX/XXXX, I was charged interest once again, suggesting that the agent misinformed me. I reached out to Chase on XX/XX/XXXX through secured message asking for reversal of this interest charge and the company refused and did not address the content of my message, simply explaining what residual balance was, so all I received was a boilerplate response and no clear interest in resolving the issue. I have no idea whether my balance is still collecting interest or what is going on and I have no confidence in support agents ' ability to answer accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a closed acct with a XXXX $ balance you cant collect on a XXXX balance also this account has been sold or transferred ... Iam also a resident of Florida per Florida statue of limitations you can not collect on a debt over 4 yrs old!!!! Please delete off my Equifax and XXXX credit report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Contacted Transunion today onXX/XX/XXXX in regards to being a victim of inquiry issues they had XX/XX/XXXX to XX/XX/XXXX. Explain to the representative i pulled my credit today an saw the inquiry. Spoke with XXXX who was a representative an he said he could not help me i would have to contact the creditor. I then ask to speak to supervisor by the name XXXX who advised me that i was not victim an he could not delete them for me. Inquiry are below XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX.XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX 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 2019-11-04
Company: Santander Consumer USA Holdings Inc.
State: VA
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:
Santander Continues to furnish negative information to credit file. Requested removal of XXXX over 30 days Ago. Company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a merchant account with Suntust bank they set up me a merchant account for my Realestate business. I proceeded with sending invoices to my clients that has not did a charge back, and the merchant account has not yet released my funds into my account! It has been almost 4 weeks. I have tried contacting SunTrust first data risk department numerous times and get nothing but vm! They need to release my funds! I have a business to run so please help me. My business name is XXXX XXXX XXXX number XXXX email XXXX I await your response

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