BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ; within the complaint I questioned inconsistencies that involve my XX/XX/XXXX XXXX XXXX XXXX, XXXX. mortgage. On XX/XX/XXXX, the Consumer Financial Protection Bureau forwarded me a " response '' to my complaint ; this response is submitted by the Executive Office of XXXX XXXX XXXX. Attached to XXXX XXXX XXXX XXXX XX/XX/XXXX response ( as evidence ) is a copy of a XXXX XXXX XXXX, XXXX. promissory note ; this promissory note supposedly correlates with my XX/XX/XXXX XXXX XXXX XXXX, XXXX. mortgage ; the promissory note is not endorsed ( annexed as EXHIBIT A ). 

On XX/XX/XXXX, XXXX XXXX XXXX filed a foreclosure action ( XXXX/XXXX  ) against me in the Supreme Court of the State of XXXX XXXX of New York ; this foreclosure was subsequently dismissed on XX/XX/XXXX ( in my/Defendant 's favor ). Then, on XX/XX/XXXX, XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust  filed a foreclosure action ( XXXX ) against me in the Supreme Court of the State of XXXX XXXX of New York ; this foreclosure is currently ongoing. The promissory note presented as evidence in the XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust  foreclosure is endorsed in blank, signed by XXXX XXXX as Vice President of XXXX XXXX XXXX, XXXX. ( annexed as EXHIBIT B ) In the matter of XXXX XXXX XXXX, XXXX v. XXXX XXXX, case No : XXXX CA ( 11 ), XXXX XXXX Circuit Court, XXXX XXXX was deposed on XX/XX/XXXX ( annexed as EXHIBIT C ). According to the XX/XX/XXXX XXXX XXXX Deposition, XXXX XXXX testified under oath that she ( a. ) left [ was laid off from ] the Secondary Delivery Operations Department in XX/XX/XXXX ( p 52 ) when the department in XXXX closed and moved to XXXX, XXXX XXXX, ( b. ) No secondary delivery operations were going on in XXXX by the end of XXXX. ( p 64 ). 

Per the XXXX XXXX Deposition : after XX/XX/XXXX XXXX XXXX was no longer a Vice President of either XXXX XXXX XXXX or XXXX   XXXX XXXX, XXXX. As such, how can the promissory note, which XXXX XXXX  XXXX, XXXX. As Trustee for XXXX Master Participation Trust has presented as evidence for the foreclosure action ( XXXX/XXXX ), be legally endorsed in blank by XXXX XXXX as Vice President of XXXX XXXX XXXX, XXXX. ( annexed as EXHIBIT B )? Please explain this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
I own a C-Corp ( franchised quick serve restaurant ) which has an American Express card. They had a zero percent offer to entice the use of the card and a $ XXXX credit line. I used the card extensively and actually have charged $ XXXX on the card and paid $ XXXX. If they net 2 % on my charges they've already made {$1700.00} on my purchases. I still owe $ XXXX and the zero percent intro period expires next week. Our quick service restaurant opened in XXXX and I know the company can not pay off the $ XXXX and the interest rate reverted to 20 %. I wanted to get in front of this and ask them if they could lower the interest rate to something more reasonable like 9 % ; since the fed funds rate is 0 %, Amex can effectively borrow money from the XXXX for 0 %. 20 % seems usurious. They want to force me to enter some " relief program '' where the rate would be 5.9 % but it would impact my personal cards and personal credit rating. I have no balances over a couple XXXX dollars on my personal Amex Cards and I pay them off every month and have never been late since 2008. I am unclear why a C-corp I own entering relief program would impact my personal credit score. Additionally if I did enter the relief program to lower my rates to 5.9 % they would not tell me how much my credit lines would be reduced ( personal or the company 's ; I was told to wait and see on line in a few days how much they reduced my credit lines? ) -Needless to say I think it is unfair to have a C-corp 's credit and financials impact my personal credit score. There is supposed to be a shield of liability with a c-corp structure. 
-Force me into a " relief program '' to get 5.9 % and potential crush my credit score and credit lines. Essentially it's like they want me in this " relief program ''. I am unwilling to have it impact my personal credit score. Plus I still want to use their product as Amex usually is a good company to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The bank mishandled charges that was due to be reversed {$760.00}, and {$150.00}, - i submitted in writing evidente that money would go back to the account from merchant, but it did not. 

Further i desputed over {$70.00} in transport charges that was mishandled. I wasted many hours They did not contact me in due time to resolve this as indicated. I can not get through to the person handling the case. Straight up a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started to look for a vehicle this summer and a bunch of inquiry reports just started popping up under my profile then I noticed two or three loans assumed that I have no knowledge of all around {$40000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. I have advised this company that this debt is not owed, however, they continue to place this on my credit report for the second time. I have shown proof of such, which was ignored. The address this company has on file for me is not mine and I've never lived there. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: J J Marshall & Associates, Inc
State: VA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I have reached out to the company before. 

They are attempting to collect a debt that is not accurate. I have NEVER lived or EVEN received a key to live at the apartment complex. 

I filled out an application, they sent me a lease to read over and SPECIFICALLY told me the lease wasn't final UNTIL I paid the deposit that was REQUIRED to move into the apartment. 

How it went from that to contacting me several months later saying I broke my lease and only lived on the property for a week is fraud! I feel I was forced into something that they knew they were going to commit a fraudulent act. 

I refuse to pay this debt when I lever lived in the apartments and the debt collector nor the owners of the apartments will help me. I will take legal action if this matter isn't resolved because Its causing me stress and anxiety and causing my credit to get me denials. 

I have never even had a light bill in the address mentioned. Its never been listed as an address of mine. SO how could I have lived there with no utility bills matching. 

Thanks you for verify the details of this " lease '' debt that with the debt collector. The leasing agency and the debt collector seem to be trying to squeeze the little guy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for these accounts completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I contacted Experian last Friday about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( SECU and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell EXPERIAN whatever to report on my consumer report under FCRA. Failure for EXPERIAN to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit.

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 2017-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX XXXX has added a link to " My Accounts '' online portal. I sent them several emails in the period XXXX/XXXX/XXXX through XXXX/XXXX/XXXX asking them to remove this service from " My Account. '' I have no interest in this service. As in the XXXX XXXX incident, they have NO RIGHT to open an account or service in my name that I have NOT authorized. In addition ; when I logout out of my online account, the XXXX account as they call it remains open. I must logout separately from this unwanted service or leave myself libel to hacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2020 I went to XXXX XXXX XXXX in XXXX, NH XXXX. On XX/XX/2020 I put down a deposit on a vehicle with a financing price of {$11000.00}. I returned on XX/XX/2020 to finalize the deal on the vehicle the sales person never explained any changes. I noticed the amount on my loan was higher then expected so I called company that made the loan ( Credit Acceptance ) they did not help. I then read through my contract and found that XXXX XXXX XXXX listed the vehicle at {$17000.00} that was not the price advertised. Also not the price I agreed. They also charged me for a XXXX insurance which I never recieved.

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 2020-11-23
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I terminated my mortgage application with Ameris Bank, due to the fact that Ameris Bank has repeatedly failed to deliver on a mortgage loan application that I initially applied for on, XX/XX/XXXX, via online banking app. 

I received my 1st preapproval Notice from XXXX XXXX via email on XX/XX/XXXX. I then officially submitted my loan application on XX/XX/XXXX, for the purchase of a certain property located at, XXXX XXXX XXXX XXXX XXXX Georgia XXXX. 

More specifically ; I was informed initially by the loan officer, XXXX XXXX, that she could probably close the loan on or about, XX/XX/XXXX. The loan officer, then advised, that it would be closer to the XXXX of XXXX, before closing. The loan officer then later requested an amendment to extend the buyer 's financing contingency until XX/XX/XXXX. 

XXXX XXXX, my real estate agent informed me again, that the loan officer needed more time to process the loan, and closing will not take place on XX/XX/XXXX, nor on the XXXX of XXXX, as the loan officer promised. In fact, it was quite obvious that Ameris Bank, would not get this loan out of underwriting until early XXXX, at the earliest. 

This fact then put closing well beyond the XXXX of XX/XX/XXXX, as the loan package then must go to, USDA underwriting, putting the closing date well into XXXX. I've offered two extensions after already coming out of an extended 4-month lease, I was charge an extra {$500.00} for rent for XXXX, bring my rent to over {$2800.00}. I must be out of this property by the XXXX of XXXX, This failure to deliver a mortgage product in a timely manner has cost me extensive hardship and financial strain. In addition, Ameris Bank has violated the Fair Housing Act Laws, as engaged in practices that are discriminatory in the Terms and Conditions of The Application Process, and Discriminatory in Terms of Income and Disability Status. 

In addition, Ameris Bank 's loan officers, have run my credit report, more than six times in the last month, driving my credit scores down, causing me undue hardship and on-going financial distress. 

Please note, I demand that Ameris Bank return all of my cost associated with this matter, including funds that I have provided, in relation to this loan application and processing ; including the following cost :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
I went to XXXX XXXX located in XXXX, Illinois and I was applying for an auto loan and I was informed that my credit wouldnt be ran more than once but to my knowledge after reviewing my credit reports there were two inquiries listed on my credit report that I didnt recognize nor gave authorization to check my credit report. The inquiries l that i was not aware of is listed below. 

XXXX. ) XXXX 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 2022-10-19
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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation, as it contains my request.

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 2022-10-05
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NJ
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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