BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I realized my checking account was on hold/closed on XX/XX/XXXX when I tried to make a purchase. I never received a call or letter from Suntrust Informing me my account was under investigation. I immediately called and spoke with a representative. The representative told me she could not provide me with any information other than my account is being investigated and Suntrust had decided to close my account. I asked for a timeframe as to when my funds will be mailed to me and the representative could not give me any information about that. 

I asked to speak with a supervisor. The supervisor echoed what the representative said. I ended the call. I called again on XX/XX/XXXX. The representative told me that the account was still under investigation and that no timeframe can be provided. 

Today, XX/XX/XXXX, I called and spoke with two representatives. The first, finally told me my account had been under investigation since XX/XX/XXXX. She also told me the investigators had 15 days to be settled. It has been well over 15 days. I asked to speak with a supervisor who echoed the same information but could not provide a date or timeline. 

I have tried to resolve this issue several times. The representatives have been rude, inconsiderate, unsympathetic, unapologetic, and unprofessional. On several occasions I have asked to speak directly with the investigator. I was told that is not possible. 

We are in the middle of a pandemic. This is all the money I have to support myself and XXXX I have been more than patient.

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 2020-07-09
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my mortgage XX/XX/XXXX. On XX/XX/XXXX, a scheduled autopayment was drafted from my account to Dovenmuehle, the mortgage company for the old mortgage that had just been paid off, in the amount of {$1300.00}. I immediately called Dovenmuehle to get the money refunded and was told it would take 7 to 10 business days to process. The check never arrived. I called back after 10 days and was told it would take 7 to 10 business day to mail after the processing time. After that time passed, I called back and was told they need to reissue the check but could not do it until a month had passed. I called back after the month deadline and was told they would reissue the check but I needed to wait 7 to 10 business days for processing. I called several times during processing to make sure it was still being processed and was told it was. I waited for the check, which never arrived. I called back and was told there was some mistake on their end as to why the check did not process. I went through this cycle again. And again. This cycle continues until today. I have dates of calls, names of who I talked to, and what was told to me. I just want the money back that is due me, but Dovenmuehle will not send it back and continues to make excuses as to why they can not get a simple refund check to me for this overpayment. They acknowledge there was an overpayment but will not send me the money. In the process of my calls I explain that I have received the escrow refund, I am looking for the overpayment refund. I tell them the amount and the date it was drafted out of my account. All of that is verified on my calls to them. But I continue to get excuses that the people did not understand what it was that I wanted refunded. It has been four months that Dovenmuehle has held my money, money that is not theirs. My recent communication with them was over two weeks ago where they took my phone number and email and were going to contact me within 3 to 5 days. That time period has come and gone, and I have not heard from them. And no check has arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I spoke to a manager to figure out a way to get my mortgage back on track. We have a large lump sum of {$55000.00} to put down and we agreed to pay the rest in 3 months along with our mortgage payment and he was sending the paperwork in the mail. That was in the beginning of XXXX XXXX. He called me back a week later and said he was going to email it to me, I never got it, not in my spam, so I call like he said and left a message, still no call back from him or my representative and I 've left numerous messages. My first payment was supposed to be XXXX XXXX. 

I do n't know what else to due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: EQUIFAX, INC.
State: CA
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 me as 120 days late on the XXXX XXXX XXXX XXXX account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted disputes to Experian for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report. There are 7 accounts with XXXX XXXX that should be only reported with an account status of closed, payment status paid and negative comments removed only showing paid in consolidation I have a positive consolidated account from XXXX that is not reporting wrong and I 'm not requesting a dispute for that account. Also there are 8 accounts from the XXXX XXXX XXXX reported as paid collection, payment status should be reported as paid, account closed consolidation only and the 8 accounts show a negative on my account on XXXX 2016 even though the rep from Experian spoke to the XXXX XXXX XXXX on the phone and Experian has refused to correct it, there is no reason for a account that was consolidated to be reported and show a negative as its a positive part of someones history and should not be considered a negative. I have contacted XXXX & the XXXX XXXX XXXX   and they have continued to state they have n't been contacted by Experian to correct the late and the comments or to verify the information again. I have sent them proof of identity with my disputes and information to assist in the corrections to my 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 2018-10-01
Company: World Acceptance Corporation
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Paypal Holdings, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sold tickets and used paypal goods and services for payment. Weeks after the event, I received notification that the buyer disputed the transaction and I was informed I needed to provide proof that the buyer received the tickets. I sent the text conversation before, during and after the buyer received the tickets. I also included the email confirmation from the XXXX XXXX XXXX that the buyer received the tickets. A few weeks later I was told they favored with the buyer and because the dispute was opened through his credit card company and not paypal there was nothing they could do. They took {$1200.00} dollars from me, thus making my paypal account negative. I have reached out several times and just get the run around or basically told I am XXXX. Now I receive calls every hour asking how I'm going to resolve the issue. I have told them I am still trying to work with Paypal in which they ignore me. I have asked them to not call me, in which they ignore me. They have threatened that they are going to mark me as refusal to pay and that this will impact my credit and that they are going to close my account. I did nothing wrong to begin with, so to get calls every hour is ridiculous. They could not help me when I need something from them, but now they need something from me and are calling me every hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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:
hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXX and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me transunion is ignoring me and Experian its been 5 months nothing done still

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 2023-05-16
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being harassed by this company and I do not owe any debt regarding their claims. I am being harassed and tortured nonstop by mails and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: ID Analytics, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXXXXXX XXXX  denial for a new car purchase due to XXXX XXXX XXXX credit report of XXXX. 
I know for a fact that my credit report thru other reporting companies is above the 800 score. I have not contacted this company due to all the negative reports on this company, on different internet sites and I do not want to risk giving them any information about me.

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 2018-02-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  needs to delete and remove this fraudulent account from my Equifax credit report immediately. Your company failed to provide proof that my rights have not been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Source Receivables Management LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I recently obtained a copy of my credit report on XX/XX/2018 and I seen that I have a {$1200.00} bill from a collection agency named Sources Receivables Manag that was sold to them by XXXX. I then attempted to reach out to the company to send me a debt validation letter to make them look into the account further because I didnt have any cancellation fees with XXXX when I disconnected my devices because I wasnt under contract so I knew I definitely didnt owe them {$1200.00}. The company stated that they had previously sent me a letter and wasnt going to send me another one. I then asked for the address that they sent it to because I didnt receive one. They gave me an incorrect address, I advised them that it was wrong and asked would they send it to my correct address and he told me no he wasnt going to, I asked why and he stated because he sent it to the address on file and I then let him know again that it was incorrect. He said that his associates talked to me on numerous occasions & that they notated the account each time with statements that I had given them telling them why I couldnt pay off the debt. I let the representative know that I havent talked to anyone about this account, I didnt even know it existed until this month. He then proceeded to keep reading the falsified statements that were made by his associates and I again told him that I havent spoken with anyone at anytime about this debt. He ended the call stating that he would not send a debt validation letter to my correct address and I could settle the debt for {$600.00} if I wanted to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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:
I called Equifax today I am a victim of identity theft and an account has listed me as an authorized user last updated XX/XX/XXXX 1 year ago and I told them I was never an authorized user on this account and please update and remove this account from my file. The representative stated I must file another police report to have it deleted or blocked from showing on my report. I explained to her that is not correct and the I had contacted the police department and they stated that I do no have to file another report with them. 

The account is a XXXX XXXX  XXXX XXXX  that has been closed by the account owner. 
I was never an authorized user. 

I provided Equifax the FTC affidavit and Police report in XXXX and XXXX. When speaking with the representatives they tell me that they see it and then I will get another representative that will say they only see the affidavit when both were sent in together. which on my report I also mentioned I was a victim of the Equifax breech as will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of Equifax data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
After already possessing a Capital One card, I applied a Capital One Platinum card. 
1. I went through an authentication process online by logging onto my Capital One Account, linking the new card with the existing. 
2. Authentication of identity regarding my social security number, date of birth, address, income, place of work, and other data was tendered. 
And yet, I was asked to " email my state identification or driver 's license '' to Capital One. From a racial equity, civil rights, and consumer protection perspective, the demand that XXXX  consumer, or any consumer, be made to transmit sensitive information via email when alternative means of identification authentication exists in my case is a violation is wrong and contrary to consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Ocwen Financial Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with OCWENLOANS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and OCWENLOANS with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
2 issues : 1. ) Fedloan through the department of education is requiring a " wet signature '' of my employment certification form for public service loan forgiveness. In the past this has not been as much of an issue because our organization was not all teleworking due to COVID. Now this is an issue my office does not have the abilty to send it wet signatures. According to several supreme court cases electronic signatures are absolutely valid for this type of documentation especially if I can use XXXX XXXX authentication but fedloan refuses to honor a form signed in this way. 

2. ) Fedloan gives me no way to view how many qualified payments I have made on my student loans through Public service loan forgiveness. The only way to get a tally on the number of qualified payments is through re certifying my employment. I do this regularly because a large percentage of the time they get my number of payments wrong. 

Fedloan and DOE should 1 ) accept electronic signatures for these forms especially if they are federally authenticated and 2 ) provide a way to view how many qualified payments have been made on loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX PXXXX  XXXXBalance : {$490.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$110.00} ; XXXX Balance : {$380.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$220.00} ; Medical XXXX Balance : {$210.00} ; 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 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 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 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.

Company response to consumer: Closed with explanation