BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I had a dispute with the IRS for tax year   XXXX   which was successfully ruled in my favor. During the dispute process CA state issued a tax lien against me. They later reversed this lein as it was issued on false information gathered from the IRS. The lien was released less than  two  months later but had already been placed on my credit. This should be removed from my credit report by all  XXXX  credit agencies not just shown as released. Again I never owed this money therefore the lien should never have been filed and the credit agencies are reporting it as if I did and paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-05-10
Company: CITIBANK, N.A.
State: DE
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 recently tried to open and transfer {$10000.00} into Citi Accelerate Savings account with Citi and when they did not deposit the money into my Citi account from XXXX, I filed a CFPB complaint. In retaliation, Citi has now blocked access to login for my 2 credit cards with them. I have huge amounts coming due on my cards and I need the ability to login and make payment arrangements too from different Checking accounts. They have blocked access so that I default and get a hit on my credit bureau as well as lose money in Fees paid to Citi. I was able to login to my Citi online account TILL I filed the Citi Accelerate CFPB complaint.

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 2021-09-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SUNTRUST DBA XXXX has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt

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 2019-05-10
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I used PRMG Loan Officer NMLS XXXX, XXXX XXXX to assist in closing on my home. I advise Ms. XXXX that I would NOT be able to afford a home with a monthly mortgage of over {$1000.00}. Based on this Ms. XXXX advised me of many things I could do to avoid a higher monthly mortgage. I paid my Escrow and taxes upfront to avoid this. Based on the number Ms. XXXX advised this would save me at least 350 per month with my monthly payment being {$800.00}. All money was paid before closing. When I received my first monthly statement due in XXXX due XX/XX/XXXX, it had a statement of XXXX a month for payments. I immediately contacted Ms. XXXX for clarification. She advised this was an error maybe due to my account being transferred to XXXX XXXX. I was asked to contact an associate at XXXX XXXX to have it corrected. A copy of my paid receipt was also sent to the mortgage company. As a result I was advised that I was still responsible for taxes and escrow monthly regardless of if it was paid in advance. The money collected would be used for next years taxes and escrow. I again contacted Ms. XXXX who apologized via email and took responsibility for the error. She said that she would have the problem corrected. This was 15 days before my 1st payment was due. 2 weeks later I emailed Ms. XXXX again for an update and in this email she stated that she provided me with incorrect information and due to her error she would pay the XXXX extra from her own pocket. After several emails, text, calls and help from my Agent XXXX XXXX Ms. XXXX has failed to respond. Ms. XXXX deceived and scammed me providing me with incorrect information which resulted in me signing to a loan I can not afford. This was intentional as Ms. XXXX and Ms. XXXX were aware I could not commit to signing with to a loan with mortgage over {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo offers various rate discounts to their jumbo loan products by selling a deposit account from {$250000.00} - $ XXXX. 

Wells Fargo agents are trained by their direct managers to suggest moving the funds to the new account in order to get the discount, and then immediately transferring the funds back after closing ( manipulating the process ) and winning jumbo loan business. 

I would think this is a fair lending issue. I would love to transfer {$10000.00} to Wells Fargo in order to get XXXX of my {$300000.00} mortgage. 

Another example of Wells Fargo proving inconsistent service based on redlining

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 2019-10-16
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am filing a complaint against FedLoan Servicing and their administration of the Public Service Loan Forgiveness Program. I am a XXXX and I have student loans. I work for a not for profit employer and I have since XXXX. I qualify for Public Service Loan Forgiveness ( PSLF ) based on my employer and my job. I began making qualifying payments in XX/XX/XXXX. In XXXX XXXX   XXXX I realized that there had been an error made, as I had two separate dates for my loans to qualify for PSLF- XX/XX/XXXX and XX/XX/XXXX. I called FedLoan Servicing where they stated they would start an investigation into the issues. They could not give me a resolution date for the investigation. My loans were originally with XXXX, but had to be switched over to FedLoan servicing when I applied for PSLF initially, as FedLoan Servicing is the only loan administrator that does PSLF. FedLoan Servicing claims that I did not make a full payment in XX/XX/XXXX and again in XX/XX/XXXX. This is simply not true. My payments have been on auto draft since I began making them, so unless they auto-drafted an incorrect amount this isn't possible. I am working to reach XXXX to clarify this issue. I have been calling periodically since XXXX XXXX   XXXX and there is yet to be a resolution, and it is now XX/XX/XXXX, nor can they provide me with a date to expect a resolution. They will not allow me to speak with anyone in the investigative department. I spent an hour and twenty-one minutes on the phone with a representative name " XXXX '' ID number XXXX, and then her supervisor " XXXX '' ID XXXX. Neither of them were able to resolve the issue or give me a time frame. A simple investigation of auto-drafted payments, with no change in qualifying employers should not take more than a year to complete with no end in sight. I stated this to XXXX who told me that " We simply don't have the resources to answer your questions today. We are the only loan company who deals with PSLF. '' This is a horrendous waste of tax dollars and is disrespectful to the individuals who work hard to provide public services for the betterment of our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted both XXXX, XXXX XXXX and Experian and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither one done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way. <P/>These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both Experian XXXX XXXX, and XXXX that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the USA? This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.

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 2019-10-16
Company: Experian Information Solutions 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 DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( XXXX   XXXX  WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.

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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( XXXX XXXX WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.

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 2021-05-19
Company: EQUIFAX, INC.
State: NY
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:
I submitted an dispute to the bureaus 30days ago about XXXX  bill being reported on my report. This violates my privacy, my security and violates HIPPA which is against the law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: GA
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:
Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The  XXXX  in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.

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 2019-06-14
Company: Conn's, 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: Account status incorrect

Complaint:
called company and spoke with a Supervisor regarding my credit report showing a late payment in XXXX 2017. This was during the time Harvey hit the gulf coast/XXXX  area and was advised a courtesy would be extended to making the payment. Still showing on credit report and was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Rozlin Financial Group, Inc.
State: TX
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:
Rozlin Financial Group is attempting to collect a business debt and has placed the amount on my personal credit report. 

The debt was also illegally obtained without a written notice of the debt. 

XXXX  has illegally shared my information with Rozlin Financial Group and has refused to own up to breaching the contract with XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Due to the continual inaccurate and false information by Santander to my 3 credit bureaus I have been denied a mortgage, have had to pay higher interest rates on other loans, and have lost thousands of dollars. I had an auto loan with Santander in XXXX and the car was total loss on XXXX XXXX due to intoxicated and uninsured driver who illegally hit me from behind. Santander is inaccurately reporting 3 different things to all three bureaus. I have reached out to them and submitted disputes with no response or corrections. from them. They currently have numerous other complaints on your website and with the XXXX. Also Santander Consumer USA settled with the Consumer Financial Protection Bureau over allegations that the ban sent inconsistent information about consumer auto loans to credit reporting agencies between XX/XX/XXXX and XX/XX/XXXX. They have had lawsuits through the attorney generals office due to their inaccurate practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 enrolled in autopayment for my BoA credit card but was charged interest on my credit card balance. I talked to a BoA representative to set up the autopay feature, which I intended to use to avoid interest and fees, but I was mislead by the agent 's instructions and deceptive enrollment process and it was set up to only pay the minimum amount due, resulting in interest charges. After dealing with unending COVID-related XXXX circumstances, I am requesting the charges totaling {$390.00}, be waived as a courtesy.

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 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint made to Transunion on XX/XX/XXXX for derogatory account which they say is not on my credit report. I tried to file a dispute and they said it wasn't on my report, which in turn, kicked me out of their system and did not allow me to file a complaint in their system. In addition, this lien I m speaking on was taken off of all other reporting agencies, reporting only on Transunion 's credit report. The lien was released and does no longer belong on my credit report.

Recorder of Deeds Lien Status -Released REF # XXXX  Amount -XXXX   Transunion last reported this derogatory account on XX/XX/XXXX even with my complaint attempted to be filed on XX/XX/XXXX. It is off all other reporting agencies expect this one. ( i.e., 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 non-monetary relief
Consumer complaint received 2019-10-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
On or about XX/XX/2019 I received a phone call from wells fargo, asking me the was unusual activity on my credit card. I immediately told the agent to cancel the card as all the transactions where made in XXXX XXXX, when i was in XXXX the whole time. Wells fargo has decline my claim stating that i responded to a text and verified this transactions. My XXXX Was missing with my credit card in the XXXX case. I never locked the XXXX because my kids used it. Well imessage was link to the XXXX and tex messages send to my phone number will also go to the XXXX  and could be respond from there as well. Just to be clear the XXXX had its own internet service that i paid for and all the app and services were fully accessible. 
This is over whelming Because this there is almost XXXX XXXX dollars charged to the account that i have to pay now. 
I wish they had a little better fraud detecting system.

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