BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX BA XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is the 3rd time this situation has come up with this company. 

I received letters via regular mail. The latest one is dated XX/XX/2021. It is a bill for {$2500.00}, which states that it includes an overdue payment from XX/XX/XXXX for {$1200.00}. First -- why would I get an overdue notice for 4 days past the XX/XX/XXXX? I paid the mortgage on the XX/XX/XXXX and have an email from the company dated XX/XX/XXXX, that states my payment of {$1200.00} was received! I had actually paid it on the XX/XX/XXXX. Apparently payments take a few days to record on their end. 

I am not late making my payment, nor have I EVER been.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   and XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2 and 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Several items are listed on my report that are inaccurate and have not been removed, after countless attempts in writing to have them removed and/or corrected. 

XXXX XXXX never late and accounts have been closed for years, there is no delinquent data current and Chex systems refuses to delete erroneous information. 

One XXXX XXXXXXXX XXXX- has my checking account listed as abuse which is incorrect and illegal. The accounts are under review and this distinction is posted in retaliation for my reporting the Director of Collections XXXX XXXX for misconduct.

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 2019-04-12
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I writing to complain about the IDR repayment plan and the failure of PHEAA, through both AES and MyFedLoan, to properly determine eligibility, calculate payments, and process applications in a timely manner. Every year, both my spouse and I, submit our applications timely and they never get it right. Either they deny eligibility, though we are clearly eligible under the guidelines, they fail to calculate our payments properly, and they take longer than any other servicer to process IDR applications. This corporation should be stripped of its ability to service federal student loans and their servicing portfolio should be distributed to other student loan servicers. For example, XXXX has done an excellent job so far. I encourage you to review the accounts serviced by PHEAA. I personally have experienced an unnecessary capitalization of interest to principal and prolonged delays in getting my loan properly serviced. I dread dealing with them on an annual basis and dream of the day that my ( and my spouses ) loans will be transferred to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On numerous occasions Transunion did not do a thorough investigation and refused to and disregard my disputes and demands to take Certified XXXX and all of the XXXX XXXX XXXX inquiries off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

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 2023-07-24
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A XXXX XXXX XXXX is damaging the credit report and worthiness by reporting false and deceptive transactions history. Authorization was never given to carmax nor XXXXXXXX XXXX to furnish private source data information or share with a third party. Violation of permissible purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates.

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. 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 2016-12-22
Company: JAMES B. NUTTER & COMPANY
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Lawyer for James B. Nutter has contacted me using United States mail with an order to eject me from my property. 
Real estate agents representing James B. Nutter has contacted my neighbors and has specifically told my neighbors that James B. Nutter owns my home because of non payment of a debt. 
XXXX XXXX XXXX has been sent to my home to clean my property by order of James B. Nutter. 
James B. Nutter is attempting to seize my property illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On or around XX/XX/XXXX, I received a mailer for a special intro offer for a DELTA GOLD AMEX for XXXX miles. I signed up via the link provided in the mailer, but upon calling Amex for a different reason, I found they were only offering me the standard XXXX miles offer, for no reason explained. 

They created an internal case to investigate the issue, XXXX XXXX XXXX but after several future calls they said they can not still uncover why I have not been awarded the XXXX miles offer which I am indeed eligible for, and they can not " get in touch '' with Delta to have it applied. 

I would have never signed up for this credit card if it weren't for the offer of XXXX miles. This appears to be a bait and switch to gain new card applications, and no one at AMEX can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Account status incorrect

Complaint:
It states that i was late paying XXXX XXXX and I wasnt. I have attached a form from XXXX XXXX stating that I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: CL Holdings LLC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I dont have the energy to elaborate on this but they know what they did. 

My first stimulus payment was loaded onto Amex serve by direct deposit and almost immediately, along with the rest of my money on there, used fraudulently. 

The terms of use for serve guarantee no liability for unauthorized transactions, and the law requires them to provide consumers documentation on their disputes process on request. 

Neither their own contract nor the law were respected by this awful company. It has been unloaded to incomm since this happened but it was still under American Expresss ownership de jure when this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: BB&T CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been trying for 3 months to meet the requirements of BB & T to have our PMI removed and they keep making up reasons to delay removing our PMI. We were told both in writing ( a letter from BB & T ) and over the phone that if we payed our loan down to 80 % or lower, we would be eligible to have PMI removed. We were given a dollar amount that our principle loan had to be at to reach 79 %, so we made that happen. After waiting for the payment to be processed, we called again to make sure we met the requirements to have PMI removed. We were then informed that we needed to fax a letter officially stating that we request PMI to be removed ; so again we did what we were told. After receiving our letter, we were told we had to wait 20 days for the PMI department to review our information and decide if we qualify to have PMI removed. After waiting the full 20 days, they sent a letter saying we couldn't remove our PMI without an appraisal of our home by one of their " qualified '' appraisers. We already know our home has increased in value since we bought it and they claim it is a {$500.00} minimum charge for an appraisal ; so we would rather pay that money down on our principal instead of wasting it on something we already know. We did our research ( along with speaking to other mortgage professionals ) and we learned that if our principle loan reaches 78 %, federal law requires a bank to remove PMI automatically. After finding out this information, I called BB & T to ask them what our principle loan amount needed to be to reach 78 %, so we could remove our PMI. The first lady quoted me an estimate of {$130000.00} and said she wasn't a PMI specialist but that was what she thought we needed. I called back the next day to request to talk to the PMI department, but they told me that wasn't possible and wanted to answer my question themselves. Again I asked what our principle loan amount needed to be to reach 78 % to have PMI removed. This time the lady told us {$120.00}, XXXX ( that is an {$8000.00} difference between the quotes that 2 different BB  & T employees gave us ) and she said even if we payed down to the 78 % now we wouldn't be able to remove the PMI because it goes by the amortization date ( not the percentage ) ; so according to her, we wouldn't be able to remove PMI until XX/XX/2022. All we want is a direct, honest answer to our question ... .what principle loan value do we need to pay down to in order to reach 78 % of our loan? Once we pay that amount, they must follow the federal law requiring immediate removal of PMI without giving us a million different reasons why they can not remove it. Every month they delay removing our PMI after we have met the federal requirements, they should have to reimburse us the PMI payments we made.

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 2023-04-26
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/23, U.S. Bank XXXX XXXX, XXXX XXXX ( NMLS # XXXX ) and I agreed on a suitable loan rate for a purchase for a new construction home at XXXX XXXX located at XXXX at XXXX XXXX in XXXX, CA. As it was a Saturday, XXXX XXXX indicated that she would have to lock in the rate on Monday, XX/XX/23 but would honor the agreed upon rate if rates increased and if they went lower, she would honor the lower rate. She subsequently requested the necessary documentation which included my Driver 's License. On XX/XX/23, I received an email from XXXX XXXX stating the rate had been locked. On XX/XX/23, XXXX XXXX sent me a Disclosure document for signature when I discovered the rate was incorrect and higher. For a week after that, XXXX XXXX ignored all requests I made to revise the loan rate. Throughout the process, I attempted to contact XXXX XXXX multiple times, engaging my realtor, Builder 's Reps, and XXXX XXXX 's assistant. On XX/XX/23, XXXX XXXX, after being reported, indicated that she'd make the revision. She did not and I reached out to a builder 's rep again who reported the behavior to a supervisor. On XX/XX/23, without apology or explanation, I received the revised document. Because of how uncomfortable XXXX XXXX 's behavior made me, I decided to terminate the contract and request an earnest money refund. Upon emailing a letter to that effect, a day later, I received a call from a builder 's rep that XXXX 's XXXX of XXXX and XXXX refused to return the earnest money. Without speaking to me, the customer, she relied upon a timeline of contact provided by XXXX XXXX even though I previously provided XXXX as well. XXXX XXXX neglected to include that she had locked me in to the wrong rate and that it remained that way for a total of 9 days until she was reported to a supervisor. None of the contingencies have been removed ( appraisal not reviewed/signed by me, received no inspection, and loan approval is conditional ) and yet, I'm still being denied my earnest money. I also indicated to XXXX XXXX that I felt XXXX XXXX 's behavior was discriminatory due to the fact that the incorrect loan was applied and her refusal to correct it after I submitted my identifying documentation to her. Reflecting on this brought me to a point where I was too uncomfortable to continue with the transaction. To my knowledge, U.S. Bank was never made aware of XXXX XXXX 's behavior. As my claim of XXXX XXXX 's unresponsiveness was questioned by XXXX XXXX, I provided screenshots showing my requests adding there was also a phone call made by my realtor to a builder 's rep urging XXXX XXXX to call me as well as text messages between my realtor, a builder 's rep, and myself regarding the situation.

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 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Called CapitalOne to downgrade/product change to the VentureOne credit card from my current Venture card ( annual fee {$95.00} ). When I asked to change the product to an annual fee free card, I was told that there no offers available to me but that they could POSSIBLY give me a fee waver next XXXX when the annual fee rolls around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: Happy Money, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I took at loan with XXXX XXXX and part of the process was to payoff existing credit cards with the proceeds. I has 6 credit cards and 5 of them were paid off with the proceeds and the balance of the proceeds were sent to me as agreed. There was one card that was not paid, XXXX XXXX. I call the company several time to ask when will the payment be made, I was told to wait 7-10 days. The after those 7-10 days I called and inquired again. I was told as soon as they receive confirmation that payment was rejected by the creditor, the funds would be deposited into my account so that I could make the payment. That time has elapsed and still no payment or deposit into my account, I was event told that they received confirmation that the payment was rejected in the system and I should be receiving the payment. That confirmation was verbal and in writing. The customer services personnel notice that it was upsetting and tried to resend. But nothing has happened. I am owed approx {$3500.00} and this needs to be settled quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XXXX willfully reported to the credit union that applied for that {$730.00} in overdraft fees that was initially in error by an old account by capital one bank back in XX/XX/2018 for a closed bank account. Upon contacting capital one back they said that amount was an error and that the correct amount is {$370.00}. XXXX acknowledges that they received the amended notice of amount owed of {$360.00}. Not {$730.00} but the will not change it to {$360.00} unless I pay the full balance to {$0.00} eventhough I told them I dont owe them a dime. My due process rights to correct amount credit report is being violated. The lenders I applied to said that if the amount was lowered to the correct amount they will waive the restriction due to the age of almost 5 years reporting but XXXX is illegally still reporting incorrect amount

Company response to consumer: Closed with non-monetary relief