BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-05
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a loan estimate with NFCU on XX/XX/21 that had escrow included. I was not interested in that option so I sent an email on XX/XX/XXXX inquiring about that situation, and to remove it now, instead of later. I was reassured on numerous occasions that I had satisfied all prerequisites to have it removed, and that it would be corrected, but I'd have to wait until they send my closing disclosure to see that update. They pushed through the underwriting, conditional, and final approval, so my account when into closing on XX/XX/XXXX. My loan advisor most recently has advised to the settlement processor on XXXX that the escrows would need to remain. I was not told why. I feel I have been mislead and entrapped. My closing date is on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX XXXX XXXX that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.

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 2019-05-02
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my husband due to XXXX. I am on the title, but not the loan for our home. The estate has gone through probate and I am now sole owner listed on the record. I sent this information to SLS and with a loan modification request. I DO NOT want to lose my home. I can afford it, if I can consolidate two other loans. A simple refi/loan modification would solve this. However, SLS, instead of completing due diligence simply closed out my request for a modification. I am requesting that this modification be opened again. In addition, I received another letter also attached stating they needed information that I had already sent in with the loan modification. This is an extremely stressful and emotional time. Again, with some refinancing, I can afford my home and do not want to lose it. I am requesting that you investigate and hopefully streamline

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 2017-11-22
Company: Atlanticus Services Corporation
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX 2017 I purchased a treadmill from XXXX XXXX because they promised no interest. I applied for their revolving account which it turns out FORTIVA is the lender. Which I was not aware of until I received the approval. When I was approved AT NO TIME was I advised that the NO interest offer would not be honored. I contacted FORTIVA XX/XX/XXXX to advise them of the error. FORTIVA is telling me they will not honor the no interest offer. They say they are a 2nd tier financier. When I applied and was approved by Fortiva they DID NOT disclose that they were not honoring the no interest offer. I would have never bought the treadmill or would have put it on my personal credit card if I knew I had to pay over 20 % interest! I contacted Fortiva XX/XX/XXXX To request that they honor the no interest offer as advertised. They declined. They said I was emailed credit terms. This is not true. I never received anything by email but an approval with no credit terms detailed. I received a paper bill from Fortiva with verbiage about promotional offers but the offer has not been applied to my account, Fortiva even asked me to write a review. I did, detailing their poor business practices. They emailed me that they will not publish the review. Fortiva should be allowed to bait people with promises of no interest and then charge them a ridiculous amount of interest over 20 %. I am paying for the treadmill as quickly as I can, but have already been charged {$300.00} interest. I want the interest payments credited to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The branch manager XXXX XXXX at XXXX XXXX in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company XXXX XXXX in XXXX, TX and their banking institution XXXX XXXX XXXX XXXX, TX have made me, the victim, responsible for XXXX XXXX  passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.

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 2018-05-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Was showing XXXX account was cancelled. I did not cancel this account. When they close it, it will stay on my credit report for 10 years. I dont want it canceled!!!!!!!! Trying to clean up credit. I DONT WANT THIS ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY is reporting a debt I do not owe. They have not been able to verify the debt according to the FCRA FDCP laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Hi, Below is a timeline of the problems I've been having with Capital One.

Brief description ~ Credit card was charged off in XX/XX/2015, which is reflected correctly on my credit report. I started and agreed to a repayment plan ( of which I've never been late on ), in XX/XX/2016, however they are still reporting me late to all three credit bureaus on the account that was charged off ... .and of which I am making a timely repayment plan on. From what I have heard, once the account is charged off they can not continue to report you late ... .especially given the fact that I haven't been late on ANY repayment plan with them.

I am currently in the process of obtaining a mortgage, and am going to lose a substantial amount of earnest money due to their lack of taking this seriously and correcting the erroneous lates being reported to the bureaus. Please help.

-XX/XX/2015 charge off -XX/XX/2016 started agreed repayment plan -XX/XX/2018 sent reporting dispute to capital one by Sobak financial -XX/XX/XXXX , letter from capital one stating there was no fraudulent reporting on account XX/XX/XXXX, contacted XXXX ( XXXX ) he understood there was incorrect report by capital one to credit agency will have letter faxed over within 24- 48 hrs stating so and send the info to credit bureau resolutions department to correct with credit bureau XX/XX/XXXX, no fax , called spoke with agent, got supervisor on phone, XXXX   direct line XXXX ext XXXX. She agreed was being reported incorrectly and would have letter faxed with correct information within 24 hrs XX/XX/XXXX called XXXX got vim left message no return call XX/XX/XXXX called XXXX got VMware left message no return call XX/XX/XXXX called spoke with supervisor XXXX ( XXXX ) ext XXXX she had letter and would fax it personally XX/XX/XXXX letter was faxed but only concerning XX/XX/2015 - XX/XX/2015, didnt address any lates being incorrectly reported every month since it was charged off in XX/XX/2015.

XX/XX/XXXX spoke with XXXX ( XXXX ) said she understood situation after I described what was being reported but she could only send it to the capital one credit bureau resolutions department, I could not talk with them or anyone higher than her and it would take 7-12 business days to be determined if they would change anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to get a mortgage with Navy Federal Credit Union on XX/XX/2021. The application number was XXXX XXXX. The lender refused to treat my like an XXXX XXXX applicant due to me being in the XXXX XXXX serving under emergency COVID-19 orders totaling 533 days. I was told even though the regulations have changed for XXXX XXXX members on XX/XX/2021 that they did not change and would not change their unfair policies. I was refused my loan amount and countered with a significantly lower amount resulting in our family not being able to purchase a home. The lender also did not offer me the fair mortgage amount that my civilian job afforded me because I have been on orders with the military. 
I feel this treatment is unfair to all the service members who are also in my situation due to being activated to serve in the XXXX XXXX under emergency COVID-19 orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Ray Klein, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, collecting for XXXX XXXX, never sent me a Dunning Letter for this debt. Further, this debt is not mine. No contract exists and any dental care was not provided to me or with my authorization. My certified mail request for debt validation/verification, upon discovering this erroneous information on my credit report, was returned deliverable to the address provided by this company. Because this notice was not properly served, this is a clear violation of the law governing debt collection. Further, I have not had a chance to request verification/dispute this debt, where I attempted to formerly request a contract with my signature, information on the services provided, and clear demonstration of my financial liability for this debt ( which does not exist ). I also walked into XXXX XXXX and gave them the correct contact information for the individual who owes this debt prior to this assignment of this debt to this debt collector. If this erroneous debt collection is not discontinued immediately, I will file in small claims court for violation of FCRA. Further, I have reason to believe that due to such a blatant error, this dental office does not maintain appropriate HIPPA privacy practices and I will file formal complaint against them as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Today was the 3rd time I have attempted to contact Bank of America recently with no success. When I call, I get either static on their line ( unable to hear anything ), or prompted to enter my personal info which their website does not register, or if I'm lucky, I am able to wait through their automated system only to get a message that they have over a one hour wait. I would like to say this is something new - related to high call volumes addressing Covid-19 but this has happened whenever I contact Bank of America regarding my credit card over the last two years. I have even attempted to schedule an appointment using their website scheduler, but each time I have tried this I receive a message that the local branches are not scheduling appointments. Clearly, they have created a firewall to ignore customers. This is my complaint. 

The reason form my attempts to contact Bank of America are regarding my interest rate I am being charged. I have sought to discuss the rate and see if a lower rate is available because the interest charges are extremely high. I have an option to transfer to a credit card with a much lower rate, but wanted to give BofA a chance to lower their rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Stallings Financial Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe this company nor have I signed or agreed to anything with this Stallings Financial. Moreover, this was placed on my credit report and removed but they waited for a period of time and simply replace it back onto my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: PNC Bank N.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a joint owner on a checking account with my daughter at PNC bank. XX/XX/2020 she was scammed by a company causing an overdraft on her account of over XXXX. She filed necessary paperwork to have the scam investigate since it was her account and I had no part in the checks being received or deposited. On XX/XX/XXXX, at noon, my daughter and I had an appointment with Ms XXXX XXXX, PNC bank representative of XXXX XXXX branch to have my name removed from the account, since the account was opened when she was a minor. I had called another branch office on XXXX XXXX, to see what policy was to have name removed from the account and the person that answered the phone told me it would be no problem since the account was established when she was a minor. I asked for copies off the signed paperwork we signed and asked how long would it take to remove my name from the account. Ms XXXX XXXX told me that I did not need a copy and that I would receive something in the mail 3- 5 business days from the bank stating that my name was removed from the account. My daughter told her at that time that she would totally be responsible for the account. I also signed the log book when I entered the branch. Ms XXXX also asked me why was I taking my name off he account and I told her, did she need to ask. On XX/XX/2020 I was contacted from the recovery department of PNC regarding this matter of {$6000.00} deficit on the account, and I told the person that the account was no longer in my name and to contact me after she did her research. I went into another branch that day and was told all of my accounts were closed. I further proceeded to call PNC customer service and was told that I had to call on Monday -Friday between hours of XXXX to find out why my accounts were closed and that a letter and cashier check was sent out on XX/XX/2020 of which I have not received any correspondence since my daughter moved out in XX/XX/2020. Today, my daughter text me to tell me that the paperwork that we signed does not exist and that the bank has no record of the paperwork filed at PNC bank XXXX XXXX branch in MD on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: NC
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:
To whom it may concern all of the following I never ever applied for. I have no knowledge of. Was never authored by me, Today 's date is XX/XX/XXXX. Over the past few months I have tried to get these this inaccurate on my credit report off my file. XXXX  - Card Service Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX. Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX - Card Service  Inquiry from XX/XX/XXXX, XXXX/XXXX  XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: MAJR Financial Corp
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account with Major Financial with a {$5000.00} credit limit. I am required to pay them $ XXXX year to keep my account open. I paid my annual fee and the money cleared my checking account XX/XX/2021. Yesterday I was notified my credit score dropped by 7 points due to Major Financial account being closed. I have notified the company of this error. They did this to me several years ago, causing my credit score to drop. They reactivated my account, which made my credit score drop even more because it appeared I opened a new account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I suffered from identity theft after the XXXX  credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my equifax that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company State Employees Cred keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Didn't receive notice of right to dispute

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 2017-11-22
Company: Tri-State Adjustments, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In early 2016 my doctor XXXX XXXX prescribed a XXXX XXXX XXXX for me. The machine was to be connected to my XXXX machine. I stopped using the XXXX XXXX and called XXXX XXXX to come pick the machine up. They told me they would have someone pick the machine up but never did until I informed them I was going to be moving out of state. They didnt come pick it up until the around the end of XXXX or early XXXX. They were billing my insurance {$330.00} a month for the machine usage. I spoke to XXXX about the charge of {$150.00} they charged me and told them I shouldnt have to pay all of that because I called them and told them to come get thier machine. When I spoke with the collection agency they said XXXX put in their notes that a doctor note was needed to pick the machine up. There was no mention of a doctor note being needed for pick up of the machine when it was prescribed nor did they have a note when they came to pick it up.

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 2018-03-20
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent out validation Letter to the company whom have been requesting me pay a debt of {$170.00}. On XX/XX/XXXX the company SouthWest Credit (  collection agency ) sent me back on letter that enclosed the account, company, policy number and dates for the coverage they claim I owe. However they have failed to validate this account belongs to me. I am requesting this collection be removed from my credit report with all three CB 's. This is destroying my reputation as a credit worthy individual.

Company response to consumer: Closed with explanation