BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
RE : Mothers bank account I am a senior citizen looking for help. My mother XXXX  in XXXX. In XXXX I went to US Band and told them that my mother had XXXX. I showed them her XXXX certificate. Ever since then I have not received any mail from this bank for my mother. I have been to the US Bank on XXXX XXXX, XXXX and inquired as to what has happened to my mothers bank account and they tell me that they do not have any record of her.
<P/>
I know that they have a record of her as she had a safe deposit box which I closed out. I have the bank account number but they refuse to tell me what they have done to her money.
<P/>
What can I do? I am entitled to my mothers bank account as I am her only heir and my name was on her bank account.
<P/>
Sincerely, XXXX XXXX ( 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 2017-11-11
Company: Real Time Group, 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: Investigation took more than 30 days

Complaint:
I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is XXXX. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, first off I am not the type to reach out regarding matters that I would normally resolve on my own. I am writing to you this morning regarding an ongoing issue with the newly formed Truist Bank ( BB & T/Sumtrust merger ).

There are two separate matters I am reaching out in hopes that you may be able to assist me with. The first is regarding some fraudulent charges and the second is the cancelling of my account based on me disputing these charges.. 

It all started on XX/XX/XXXX, when I discovered two fraudulent charges made to my checking card. Both were in the amount of {$94.00} to the following companies according to my bank records ( Seamless delightful rest & Unblemished pure advance ), which were not authorized by me. 

XX/XX/XXXX, the same transactions reoccurred for the exact same amounts to the companies listed above. 
XX/XX/XXXX, another fraudulent charge was withdrawn in the amount of {$100.00} to a company called XXXX XXXX. 
XX/XX/XXXX, another fraudulent charges was withdrawn in the amount of {$400.00} to a company XXXX XXXX. 

Date Transaction Payment XX/XX/XXXX Unblemished {$94.00} XX/XX/XXXX Seamless {$94.00} XX/XX/XXXX Unblemished {$94.00} ( Funds returned ) XX/XX/XXXX Seamless {$94.00} ( Funds returned ) XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX {$400.00} XX/XX/XXXX Notification of the account closer ( While the disputes were still open ) I filed dispute claims on all of the charges with the bank and all were denied with no reason for the denial ( proof, which I requested ). I would also like to point out that the total wait time I was on the phone during this whole ordeal was close to 28 hours and I still did not receive the correct documents. Being currently unemployed, you can understand that the cancellation of my account and the non refunded {$700.00} has put me in a very difficult situation with my creditors. 

Not sure what you might be able to do, but hopefully a little leverage from your organization and the media might help get me some resolution to this matter. If you need to speak with me I can be reached on my mobile number at ( XXXX ) XXXX. 

Respectfully, 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 2019-06-19
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX bought a truck XXXX XXXX XXXX  XXXX XXXX  XXXX Mileage XXXX XXXX Color VIN : XXXX on XX/XX/XXXX. Salesman XXXX and Manager XXXX. Location : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I discovered that This truck was Total lost reported on XX/XX/XXXX. This Dealership sold me this truck as in good conditions. Total Amount Finance {$23000.00}. Finance Charged : {$15000.00}. Total Sale Price : {$41000.00} When I tried to Refinance This truck because is to high my car payment. The Finance company printed out my vehicle history report in XXXX I was informed that this truck value is not according the amount I owed. I am the third owner of this vehicle. How can be possible was not Report it to Department of motor vehicle. I am doing my truck payments to Westlake Financial Services XXXX : XXXX XXXX XXXX XXXX XXXX, California, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has fail to provide me with physical documents proofing that they have on file in regards to the Bankruptcy they place on my credit report. I needed to know what was going on with this information and contacted to court and can not get any information. According to Section 611 ( 5 ) ( A ) of the FCRA, all information must be promptly remove if the information can not be verified within 30-45 days. They have ignored my request to provide me with physical proof that their company have on file. Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$370.00} XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: FL
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:
On XXXXXXXX XXXX 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Yeah I Send Dispute To Creditor But I Never got Response back from them at all .. 

XX/XX/2019 Balance is {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: DFC Global Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX, California approximately XXXX transactions, each has unlawful ( cheating and stealing XXXX XXXX XXXX  % to remember XXXX XXXX, the truth. XXXX transactions x @ {$50.00} ( 200 % interest rate designed to murder and kill ) total an excess of {$3900.00} X XXXX = GRAND TOTAL OF {$27000.00} TOTAL AMOUNT REFUND DUE BACK TO CONSUMER : Work with XXXX keeping his messages in truth. In XXXX We XXXX. 
XXXX 's First Holy ( People ) XXXX, Religious Rite and XXXX XXXX XXXX always comes through as the Winner in the End, and The Beginning ( Alpha and XXXX XXXX life without end, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SElect Portfolio Servicing has posted the notice of foreclosure and will be held for sale on XXXX/XXXX/XXXX. I called and spoke to the loss mitigation dept to apply for a modification of my XXXX interest only mtg I have paid for 10 years and they claim Im to late to modify my home loan. Their policy states that this must be done 37 days before the date of the sale. This is not what my attorney says nor the State of  Michigan laws, I have to file for this before the sale date of XXXX/XXXX/XXXX. The person at select portfolio servicing says I can only pay in full or get up to XXXX cash for keys. They refuse to help me. My husband has not been able to work much due to a back injury and XXXX XXXX. 
The mortgage company sent me an appraisal of a value of XXXX. I owe XXXX. This home never regained equity. I had to file XXXX in XXXX due to the economy and the career I had. I worked for a Builder for 10 years and my income was XXXX per year, lost my job due to the builder losing everything. However I did go back to work at my old place of employment. My income dropped from the XXXX to XXXX. I have done the best I can to keep my home. 
I have been turned down twice for a modification in the past. They say I dont qualify. This is not a XXXX  XXXX or XXXX XXXX loan. 
I am being refused the option to modify my 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 2017-09-01
Company: BlueChip Financial
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/XXXX applied for pay loan from Spot Loan for {$600.00}, on XX/XX/XXXX tried to make arrangements to pay loan off completely to stop incurring more interest. I have made five payments, all the payments went to interest. On XX/XX/XXXX the principal amount of loan was {$570.00} but on XX/XX/XXXX I was told the buy out would be approximately {$630.00}. I ask for explanation the supervisor stated the loan incurs interest daily of 400 % and if make payment arrangements the loan still will incur interest. After speaking with company my online access to account was removed and stated unavailable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
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: Old information reappears or never goes away

Complaint:
IpaidmyloaninfullhoweverIwasstillreportedasbeinglateonmypaymentsthecreditorhasremovedthisinformationhoweverXXXXcreditbureaushaverefusedtoupdatethecorrectinformation...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: GUARANTEED RATE 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:
In the Spring of 2018 I got a mortgage from Guaranteed Rate. I used a preapproval from XXXX. Guaranteed Rate performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and Guaranteed Rate led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
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:
I 'm writing this grievance in regards to XXXX XXXX XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: AZ
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:
My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ Equifax and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The XXXX XXXX of XXXX, a branch of the XXXX XXXX XXXX XXXX, claims that they are an accredited college. Yet while trying to find options to consolidate and refinance my student loan they are absent from all lenders list of Title IV schools. Therefore I do n't have the option to refinance and lower my rate. My loans are through Navient, who the XXXX XXXX XXXX XXXX directed me to use as a lender. I have a variable rate interest that can be raised at their discretion and the rates continue to go up every month. The XXXX XXXX XXXX XXXX is misleading by saying that they are accredited. What is my recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
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: Account status incorrect

Complaint:
I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the SCRA. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my military deployment and my security clearance remains at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed my account without my attention. I did not ask Citi to close my account, but Citi closed it without my permission, and I did not know it.

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 2019-06-19
Company: D&A Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company continues to call my employer. In the past they contacted members of my family as well. I have asked that they only contact me directly on my PERSONAL number, but they keep contacting other people regarding a personal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: GA
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:
The account reporting by XXXX XXXX  is fraudulent. I do not owe the original creditor. There is not even a date of first delenquincy. not only that i have proof from original creditor that my balance was XXXX at the time of account closure. i want this inaccurate information removed imediately for violation of my consumer rights under the fcra Delete for violation of 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
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 AM A VICTIM OF AN IDENTITY THEFT AND I HAVE SENT NUMEROUS REQUEST FOR MONTHS FOR THEM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I DON ; T UNDERSTAND HOW AND WHY THE OTHER 2 BUREAUS WERE ABLE TO CONFIRM THAT THE SAME ACCOUNT IS FRAUDULENT AND THE ACCOUNT HAS BEEN DELETED FOR MONTHS BUT EQUIFAX FOR MONTHS IS NOT ABLE TO VARIFY. I STRONGLY BELIEVE THEY ARE DISCRIMINATING AGAINST MY NATIONAL ORIGIN SINCE I HAVE BEEN TOLD NUMEROUS TIMES MY ENGLISH IS NOT GOOD ENOUGH FOR THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: DC
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:
Credit Reporting Agency is reporting an account that can not be validated. The collection agency has not provided validated information confirming the account belongs to me. I contacted XXXX XXXX XXXX and the young lady, XXXX advised she can not provide anything outside of an electronic signature. This is not enough to validate the debt. When I requested more information I was ignored.

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