BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently went online and established credit freezes with XXXX and XXXX without the slightest difficulty. Experian, instead, rejected my request on the basis of improper responses to ID questions -- e.g., former and current addresses, mortgages, etc. -- that had absolutely nothing to do with me or my identity.

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 2018-10-27
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I wrote a detailed letters, 2 of which are attached that discuss : Apply for mortgage assistance Changing dates to reply to a final package submitted False and erroneous data on a lien search Mis-stating what was in the mortgage application. 
Not sending me full items on a decision timely Multiple mixed, confusing, and misleading messages on the status of the loan modification from multiple different persons

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 2018-10-31
Company: Early Warning Services, LLC
State: PA
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 had an account with XXXX  XXXX XXXX and they are reporting to EWS in accurate information account activity that is closed. which is still on the report and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX and XXXX XXXX did not at anytime send me an invoice, but has instead reported on credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, VA XXXX Phone : XXXX Both of the incidents involved after care/ XXXX   XXXX. I lost my employment and had 0 insurance at the time and due to diagnosis of XXXX follow up care is mandatory. 

This coincides with present complaint ( XXXX-XXXX ) I filed against XXXX regarding their not honoring XXXX XXXX. In that case XXXX waited 2 years for me to return to work and then immediately filed a judgement against me. To date I have not received any information regarding that complaint nor have I been refunded {$9300.00} XXXX XXXX XXXX states since XXXX went back and disallowed the XXXX XXXX 2 years after the service then there policies state they will not honoring the XXXX XXXX either and given the date of service ( XX/XX/2016 ) their policy is to place for immediate collection and report on credit bureaus. 


The practice of waiting for 2-3 years and not honoring their own XXXX XXXX policies and randomly billing years after the fact is very underhanded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking account became overdrawn due to an error on my part. I understood that I would get charged a fee, which I was for {$36.00}. No issue there. But the problem occurred when I continued to get charged {$36.00} for the same item. I was originally charged {$36.00} on XX/XX/XXXX. Charged again on XX/XX/XXXX. Again on XX/XX/XXXX. And again on XX/XX/XXXX. When I called the bank ( BB & T ) I was told that the same item had been submitted on four separate occasions and that I would get charged a fee every time it was submitted. Keep in mind, I have no control over how many times the item gets submitted. BB & T would not credit back any of the fees for this item, so I ended up paying {$140.00} in fees for an item that totaled {$110.00}. Emailed BB & T on multiple occasions and the answer was always the same, they will charge a fee every time it is submitted. This is really unfair to the consumer, as the consumer has no control over it. Yes, I did make the initial error, but after that it was out of my control and BB & T just kept ripping me off. Please help.

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 2019-05-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Store XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FLa. XXXX XXXX XXXX Sales Rep # : XXXX XXXX On Wednesday XX/XX/2019 at approximately XXXX hrs, I, XXXX XXXX XXXX went to T-Mobile- XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX. Upon purchasing the new XXXX Plus XXXX, I specifically asked Sales Rep # : XXXX if it was a soft hit or a hard hit on my credit and his response was it was a soft hit, however, on XX/XX/2019 I received an email from my XXXX account indicating on my FICO that Sales Rep # : XXXX had lied about this matter. I called customer service and spoke with rep XXXX and she too admitted that the employee should have known. She also stated for me to go back to the to the store and speak with the manager which i did. I called and I spoke with his manager XXXX and he said that he would speak to him about this issue. When I confronted Sales Rep # : XXXX about this matter his response was quote, Hey XXXX my bad I got coached and go into trouble and I feel bad and apologize. 

I ask that Equifax DELETE this unauthorized inquiry from my credit report immediately as he admitted by stated that. 
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 : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Another reason that this inquiry is inacturate is because the above named on the receipt is not my name and or spelling is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo and my wife and sign a 15 year fixed 4.75 apr in XX/XX/XXXX, for 9 years We have made all payments on time and xtra principal payments to Wells Fargo, In XX/XX/XXXX they are staying that WE REFINANCE THIS LOAN!!! WE NEVER EVER DID!!! IT MAKES NO SENSE, WHEN WE WERE MAKING ALL OF OUR ORIGINAL LOAN PAYMENTS ON TIME, PLUS XTRA PRINCIPAL TOWARDS THE ORIGINAL LOAN, WE WOULD NEVER COME OF OUR 4.75 apr LOAN!! ... ... WE HAVE REQUESTED FROM WELLS-FARGO MY PAYMENTS HISTORY, AND HAVE YET TO RECEIVE IT. THEY ARE STARTING A INVESTIGATION ON THIS, BUT HAVE NO ANSWER TO HOW THIS HAPPENED. IF THEY WOULD HAVE APLIEAD THE XTRA PRINCIPAL PAYMENTS AS THEY CAME IN OVER THE FIRST 9 YEARS, IT WOULD HAVE CUT MY ORIGINAL LOAN TERM DOWN TO 12 YEARS!! But they are staying that a refinance on this loan was done in XX/XX/XXXX, for XXXX for 15 years, to XXXX at 3.65 apr. then applied the extra principal payments to this LOAN THAT. WAS FRAUD AND FAKE, TO MAKE THE LOAN TERM TO XXXX!!! THIS MAKES NO SENSE!!! AND THE TERMS OF THE ORIGINAL LOAN WOULD BE FINALIZED THIS YEAR, XX/XX/XXXX. I RELIZEAD THAT FOR 6 YEARS WE PAID A LITTLE LESS FROM OUR ORIGINAL LOAN, AND DID NOT CATCH THE MISTAKE OF THE LOWER PAYMENT, BUT WE SHOULD I FILLED THE ORIGINAL LOAN IF THE FAKE FRAUD WAS NOT PLACED ON OUR ORIGINAL MORTGAGE.

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 2018-06-25
Company: Burt, Blee, Dixon, Sutton & Bloom, LLP
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX I sent the agency a email explaining that I would be mailing out my payment. They responded on XX/XX/XXXX, this email response did not include the mini XXXX as the FDCPA ( 807-11 ) requires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: NY
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:
in regards to complaint number XXXX company states they have verified this debt. I have received no documentation from experian regarding what was used to " verify '' this charge off. This account is still on my credit report in good standing I should not have a charge off for this account. Provide the proof of this debt being valid and proof that this should be a charged off account. Also company did not respond to my CFPB complaint at all. this should be removed from my credit report as company and credit bureau should report correct 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 2018-10-31
Company: Experian Information Solutions Inc.
State: TX
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've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX  XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX XXXX XXXX   was an account agreed to be removed many years ago and now its back on my credit file under a different name. 

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX & XXXX, XXXX, and XXXX XXXX at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.

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 2019-05-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current servicer sent me an offer to refinance. They can not possibly fund anyones loan under the terms presented. This is a bate and switch false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
We purchased a new car XX/XX/2020. The contract included auto start however the car had to have this installed. We called back multiple times XXXX and XXXX and were told to contact an outside company who they use to do the install for scheduling. We did and were told no order was sent. We called back Toyota and were apologized to and said it would be resolved end of day. This has happened 10 times. Finally we called in XXXX and were told because of COVID 19 that outside installs were on pause. We tried telling them this issue has been active since long before the virus became an issue. We called back XXXX to see what the hold up was and the outside company says they still dont have an order to install auto start. 
Toyota said they would call back by the end of business day, that again never happened now for the 12th time. 

Not sure why they are not wanting to install the auto start but it was literally a decision factor in purchasing this vehicle. We would never have bought had that not told us contractually, this would be added. Weve never owned a car without it and we also go through Toyota for now our 5th car. 
This is just insulting. Weve like to return the car if they have no intention on installing auto start as theyve already agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: VA
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  Opened XX/XX/2007 Balance XXXX Myself and  another company made attempts to remove this negative remark from my credit report due to Statute of Limitations and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX a charge came in from XXXX for XXXX. I was charged XXXX for this transaction. I have been in contact with XXXX my account with them is currently on hold. Pncs reason for not refunding this charge is due to a refund given back in XX/XX/XXXX. {$36.00} is excessive for {$1.00} charge. I also believed I had an at work checking account and therefore would receive no charges such as monthly fees. For one month I fell below and was charged a fee of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in XXXX Florida which was impacted by hurricane Irma in XX/XX/. 
I heard from other people that since I was impacted by the hurricane I could skip my mortgage payments. I called my lender & was told that since did live in a federal disaster area I could defer my payments to the back of the loan. 
I chose to defer three payments, XXXX, XXXX & XXXX, I then resumed my payments in XXXX. 
In XXXX I received a letter stating I was three months behind on my payments, I called them & they said I did not qualify & had to get current ( pay the three months ), which is around {$8000.00}, that I do not have, complete a homeowners assistance program, short sale or get foreclosed. 
Since I intend to stay in my house, I completed the homeowners assistance paperwork, they then wanted a hardship letter, which I have not completed. 
I feel this is not fair to me since I have never been late on a payment, they told me I could defer my payments then tell me I am three months behind & are threatening to report me to the credit bureau..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
A credit decision was made based upon three false factors : 1 ) Lack of recent installment accounts. In fact, four of the eight accounts cited have been inactive for many years : XXXX : # XXXX ; XXXX  XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX The remaining accounts are all associated with XXXX XXXX with whom I have a banking relationship. There are cards associated with that relationship of which 4 are listed. 

# XXXX # XXXX # XXXX # XXXX The assertion of a " too many accounts with balances '' is false. 
The length of time associated with revolving accounts is false as indicated by payment history. 
The failure of the credit reporting agency to identify " recent information on installment accounts '' may be true : but this is not my problem. 

The outline of my employment history misses several key elements. A clear read of the report suggests that my last employer was the State of Illinois in XX/XX/2007. Again, a falsehood. 

I ask that the " key factors which adversely affected my credit score '' be remediated, as soon as possible. And I thank the XXXX XXXX XXXX inquiry for bringing this matter to my attention. 

A XXXX credit score is nice. But I am well aware that the terms and conditions of this new card -- -my first in some time -- -are less generous than would be the case had an accurate credit report been given. 

Sincerely, 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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. These items are fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : 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 2021-07-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2020, XXXX XXXX  reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX  updated my report and removed the late payment remark. XXXX and XXXX  refuse to assist me and remove it from their reports. I have multiple XXXX XXXX accounts and have made payments to them over the last year over {$30000.00} without being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated University XXXX XXXX in XX/XX/XXXX during this time XXXX kept pressing to take out more loans putting pressure on you in order to graduate. After graduating the job market fell I could only afford so much but XXXX XXXX now know as Navient kept pressing me to put it in forebearance. I had to do that up until XX/XX/XXXX when I finally got a job and I have to keep calling and spending a lot of time on the phone to keep my payments low. They asked for {$180.00} a month so I was paying {$200.00} with my last payment as of XX/XX/XXXX only to receive an email stating that my payment was due. I checked the website and I also called to find out that my payment had been reinstated and that aTotal Payment Due : {$800.00} Current Amount Due : {$500.00} and I have a Past Due Amount : {$290.00}. The customer service rep I talked to said that my 2 year lower payment time was over but I had never received any notifications from them and they always add late fees and if adding up late fees from all the previous times they have done this to me it will add up to over {$2000.00} in late fees when I was never late with one payment. 

This does not include the fact that they increased the interest rate from 2.65 % to 6.8 % so when I asked about that she stated that is because I could not pay the amount they want for 6 XXXX loans they carry. When I commented on the interest and stated to this rep " So they pretty much just raise the rate when they feel like it because you can not pay the large payment they request every month '' Her answer was yes they do so I think they need to be investigated for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I tried to tell XXXX & XXXX that Citibank credit card was opened fraudulently. They did n't bother to help me in any way. They obviously do n't take identity theft very seriously. They 're garnishing my pay check for {$2100.00}. It 's unfair that I have to suffer because this identity theft.

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