BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-11
Company: Secure One Capital Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had the worst experience with the sales manager, XXXX XXXX from Secure One Capital Corp. I called him on XXXX to get a {$50000.00} loan on my rental. I told him I needed to get a fast loan because I needed to pay at least {$28000.00} worth of debt. He said he could close my loan in 10 days ( it even says it on his email. ) The timing was critical. He said he could close it before XXXX. He talked me into getting an FHA loan and refinancing my current home ( which was 3 times that amount ). I agreed. On XXXX, he said we were almost clear to close. The next day, XXXX he told me I could n't do an FHA loan, and we had to go conventional, and I could only get {$21000.00} cash out. I was not happy, but he said he could close it right away. I needed the cash fast, so I agreed. I signed loan docs on XXXX. After my 3 day rescission was over, I contacted him asking if we were funding and closing. That date should of been XXXX. He started asking me questions on my rental property and other questions he could of asked weeks prior. He also asked me about inquiries on my credit report which he pulled on XXXX. After making me jump through hoops to get the loan closed, he informs me I could only get {$6900.00} in cash. That was on XXXX. Almost a whole month had gone by, he was asking me questions I should of been asked in the beginning. Needless to say, he does not know his job very well, and should n't be doing home loans. I ca n't express the stress he put me under and how he never called me, just emailed me. Had me sign. Lead me to believe my loan was closing. I could n't go through with the loan because it was n't enough money. I had to go to a hard money lender and get a fast bridge loan, and pay high points because oh him. He did n't even offer to pay me back for my appraisal of {$550.00} for screwing up so bad. It was his lack of knowledge that put me in such a bad situation. It became a hardship. His company should be paying me back my appraisal of {$550.00}, plus the points I had to pay on a hard money loan. He also never told me that I would have to pay 3 % in points for {$7000.00} until I received my settlement statement on XXXX. It was too late for me to back out because timing was critical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have been trying to reach my loan company since XX/XX/XXXX. I needed help accessing my account to make a payment on my loan. BBT transferred to Truist requiring a new application on my phone and I needed login assistance. Could not get anyone to help Friday XXXX XXXX. There fore making my payment late. I tried again on Saturday to get into my account and successfully got in but then the desktop version would not let me select the date, but instead populated itself and then gave me an invalid date message. I again tried to reach the institution and the only 24 hour number I could call was for Credit card only, who transferred me to technical support who was closed. Flash forward Payment finally made on XX/XX/XXXX, now really late. At this point with the frustration I called to get pay off information to try and refinance the loan. Tonight XXXX I called and chatted the company. XXXX chatted me that in order to get the statement I needed to CALL. I informed her of the trouble I had in which she noted. I then continued to hold on the same number I was instructed to call but already had. When XXXX answered he informed me that he also could not help me especially with it being after hours in which I informed him I held for 45 minutes and could not help that it was now closing hour. He informed me that both the website and XXXX informed me incorrectly and I would need to fax a request for payoff information where I would not get it back until 24 to 48 hours. The company refuses to help customers by anwering in a timely manner, handling financial accounts with efficiency, etc. I work in customer service and am appalled at what it takes to get ahold of someone at this financial institution, let alone get what I need to try and take my business elsewhere.

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 2019-07-22
Company: EQUIFAX, INC.
State: MS
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 upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax : XXXX, XXXX : XXXX. XXXX XXXX XXXX Equifax : XXXX, XXXX  : XXXX, XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX, UNIVERSITY XXXX XXXX Equifax : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hey, I would like to file a lawsuit against XXXX XXXX XXXX. They are reporting on an account that has been settled since XX/XX/XXXX. I called them multiple times that the account has been settled based on the agreement with the court justice and I paid off. They still reporting on the account. 

Anytime, I made a call they are sending me to their law company who in return said my account has been closed on their side. 

They are reporting on my account that is affecting my life in order to get a job and anything related to credit score. 

The original debt was XXXX. They sued me in the XXXX VA civil court. I made an agreement to pay XXXX to settle this debt. The agreed amount was paid toXX/XX/XXXX. They are still reporting on my credit score. 

Please need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: Experian Information Solutions 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:
Greetings, XXXX XXXX XXXX is currently reporting to Experian that I had a lease with their company, which totaled in the amount of {$18000.00} opened in XX/XX/XXXX. I am not  aware of who opened this account nor do I have any information outside of what was provided in the letters sent to dispute this account in XX/XX/XXXX. Upon my knowledge of this fraudulent account, I immediately filed the proper reports to support my position of identity theft, on this account and several other items on my credit reports. This account was fraudulently open in my name. This has become very frustrating for me and is causing damage to my credit. I have made efforts to dispute this issue for a whole year and this is still hindering my credit. 
Pursuant to Fair Debt Collection Practices, XXXX has not been able to provide me with 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this fraudulent debt. 

They have been non-compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that they are liable for willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]. They have failed to provide a copy of any alleged contract or other instrument bearing my signature. 

Lawfully I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act With regard to Experian, they are continuing to give me a hard time with this account. XXXX, as well as XXXX, were excellent in assisting me and understanding my concerns and have complied with my efforts in disputing this account as a fraudulent account and have completely removed it. I notified Experian of the actions in XX/XX/XXXX that the other two bureaus have taken and they are continuing to keep this account on my credit profile. I have taken the steps to dispute the account on Experians website and certified mailed letters regarding FCRA Section 605B.  They are handling this request as a common dispute and had no urgency in complying with the law. 



Thank you for your assistance in this matter.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires

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 2019-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a balance transfer on my Bank of America cash reward credit card earlier this year and the promotion rate will be expired in XX/XX/2020. I have been paying the minimum payment to fulfill the term and condition. However, I used this card for a purchase in XXXX and the credit company starts charging me interests in the past 2 months even though I learned their new purchase term and paid off the purchase. Now, this month, I still demand to pay interests for that purchase. 

I am totally frustrated by the way that the credit card company demand for interests on a new purchase. This is absolutely a rip-off.

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 monetary relief
Consumer complaint received 2019-04-07
Company: Nelnet, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I applied for a Pay As You Earn Loan/Teacher Sloan Forgiveness and was approved ; therefore, my payment on my account was {$0.00}. I was told that my loan would be forgiven if I worked for a Title I school for 5 years in CA. In XX/XX/XXXX Dept. Of Ed/Nelnet reported to the credit reporting agencies I was 130 days past due, which is inaccurate. I called them and they said that my loan expired and so they sent my information to the credit bureaus without notifying me that it needed to be renewed. It is unlawful to report false information to the credit bureaus. They never contacted me and when I spoke with them on the phone, the CSR confirmed that my payments should be at {$0.00} for the loan I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX  REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XXXX XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : CAPITAL ONE AUTO FINANCE AMT. XXXX, XXXX OPENED : XX/XX/XXXX CAPITAL ONE BANK, XXXX AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXXI AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.

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 2019-04-07
Company: EQUIFAX, INC.
State: TX
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:
Equifax added two inquiries to my credit report from the brief period XX/XX/XXXX-XX/XX/XXXX. These inquiries are from XXXX XXXX XXXX XXXX , XXXX and XXXX which I have never allowed to perform any soft or hard credit check and neither am I interested or was ever interested in their services. From a quick online search both companies have come under scrutiny after claims they make inquiries and check credit without one 's acknowledgement. Currently, XXXX XXXX XXXX is in the process of a class lawsuit for doing this ; and XXXX has a website to report these cases which I have reported. I have not heard back from both companies and consumers state they have asked directly to get these unauthorized inquiries removed without success. I have also frozen my credit report file under Equifax 's service online and have taken further steps to prevent such incident due to a possible Equifax breach. I have tried contacting Equifax but was unsuccessful as I was told by a representative they can not remove inquiries even if they were not authorized ; that it was " a job for the companies that reported them '' to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The XXXX is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to XXXX. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.

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 2019-07-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received an Escrow Shortage Notice that required a payment of {$4700.00}. A Cashiers Check for the amount of {$4700.00} was mailed to their office on XX/XX/XXXX for the shortage. 
Another Escrow Shortage Notice was received on XX/XX/XXXX for an amount of {$4800.00}. Which is outrageous because I had just sent a payment in XXXX, XXXX and that payment was NOT noted or credited to the account from the Notice that was received in XX/XX/XXXX. 
WHERE IS THAT MONEY? 
I have attached copies of the XX/XX/XXXX Escrow Shortage, the Cashiers Check and XX/XX/XXXX Escrow Shortage, copies of Property Tax Statements that show an increase of {$210.00} from XXXX and a copy of the Declaration for Homeowners Insurance of {$2100.00}. 
I DEMAND this company to justify why I should expect to pay {$9600.00} in Escrow. 
Im paying double in Escrow than on my mortgage note!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
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 opened this account in XXXX XXXX, 2010 this company but it was not for {$50000.00} I do n't know where this amount has came from but the balance is missing on my credit report and its reporting derogatory stating that I was paying on time then i went to 90 days late then 120 days late for about 6/7 months at a time I 'm unsure how someone can owe a company for 120 days late 6/7 months in a row it seems like time stop and also how did I ever take out {$50000.00} XXXX XXXX, 2010, I would like to pay what I owe an nothing more and get this negative remark removed from my credit report, the true balance is missing and the payment history is not right, can someone please help i have been reaching out to the bureaus for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: EQUIFAX, INC.
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 opened this account in XXXX XXXX, 2010 this company but it was not for {$50000.00} I do n't know where this amount has came from but the balance is missing on my credit report and its reporting derogatory stating that I was paying on time then i went to 90 days late then 120 days late for about 6/7 months at a time I 'm unsure how someone can owe a company for 120 days late 6/7 months in a row it seems like time stop and also how did I ever take out {$50000.00} XXXX XXXX, 2010, I would like to pay what I owe an nothing more and get this negative remark removed from my credit report, the true balance is missing and the payment history is not right, can someone please help i have been reaching out to the bureaus for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: GMA Investments, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly tried to ask these people what they are calling for and they won't give any information but they continue to harass me and my husband they have called his work lying talking about garnishing and giving out his personal information. I don't know who they are they keep saying " XXXX XXXX  '' and " Summit Receivables '' when they answer we are tired of being harrassed.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 opened this account in XXXX XXXX, 2010 this company but it was not for {$50000.00} I do n't know where this amount has came from but the balance is missing on my credit report and its reporting derogatory stating that I was paying on time then i went to 90 days late then 120 days late for about 6/7 months at a time I 'm unsure how someone can owe a company for 120 days late 6/7 months in a row it seems like time stop and also how did I ever take out {$50000.00} XXXX XXXX, 2010, I would like to pay what I owe an nothing more and get this negative remark removed from my credit report, the true balance is missing and the payment history is not right, can someone please help i have been reaching out to the bureaus for years.

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 2019-07-22
Company: Revenue Assistance Corporation dba Revenue Group
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: Information belongs to someone else

Complaint:
i have been receiving calls from this company regarding some collections for medical bills? i have never been to any medical facilities of any kind to have any debt under my name. This could be a result of identity theft i was going through. I'm attaching my identity theft report with this request. Please verify the information again please remove this from profile as i dont have anything to do with this.

Company response to consumer: Closed with explanation