BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, a fraudulent check was cashed on my checking account with SunTrust Bank. I called the Fraud Department at the bank. They froze the account and directed me to a local branch. I went to the branch office. They transferred the remaining money in my checking account to a new checking account. They indicated to me that the investigation could take up to 15 working days. 
Today is now XX/XX/XXXX, and the bank continues to tell me that their investigation is ongoing. They never call to give me an update on the investigation. I am being treated as the criminal here. 
The amount of the check was {$6500.00}.

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 2021-04-14
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXXredit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I have these fraudulent inquries on my profile. My identity has been stolen. They have been removed from the one of the bureaus, but not all. These fraudulent inquiries are hurting my credit. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: SYNCHRONY FINANCIAL
State: MS
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:
Two of these companies have ran my credit several times without my permission, I hired someone to repair my credit last year and during that time frame I have several inquires that I do not recognize and the company I paid to repair my credit turned out to be a fraud

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 2017-10-22
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My complaint is due to the neglect of the FCRA of 1970XX/XX/XXXXby the company XXXX in reference to my credit report. The company neglected the following two stipulations by this act.

1. Furnishers must also notify a CRA if the information is being disputed, if an account is being closed and if an account is delinquent. There are special considerations for financial institutions who must also notify the consumer within 30 days if they are sending negative information with regards to delinquent accounts to a credit reporting agency. 
2. Every collector must send you a written validation notice telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Home American Mortgage Corp
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for my first mortgage loan for a new build with HomeAmerican Mortgage Corporation through XXXX XXXX after they assured me my excellent credit would be enough to qualify me for a $ XXXX home in XX/XX/XXXX. They did not check bank statements after being approved for the loan. They gave me an estimated monthly mortgage payment of {$2100.00} and did not ask how much I am putting down on the house. They required I pay the earnest deposit of {$3900.00} to secure the home because property was selling fast. I did so and received estimated costs of mortgage to be {$3300.00} nearly 6 months later, when the home was closer to being built. Unfortunately, I bring home {$4300.00} a month and can not afford this {$3300.00} payment. HomeAmerican Mortgage knew the amount I was bringing home because they checked my XXXX and pay stubs. 

When the home was near completion in XX/XX/XXXX I was asked to join the closing meeting, to which I informed my loan officer and sales representative at XXXX XXXX that I am unable to pay this mortgage. They have since stopped communication with me and I have asked for the earnest money of {$3900.00} back and the Senior Division President at XXXX insisted that my deposit was only transferrable to purchase another XXXX XXXX. Since then, they have marked my application for the home as " Buyer 's remorse. '' After this incident, I have researched that I should only qualify for up to {$340000.00} based on my check stubs. Without having done their due diligence of checking bank statements, savings, assets, etc., I believe I am a victim of predatory lending. I even confirmed with another mortgage company, XXXX, and they informed me that I only qualify for up to $ XXXX. In this case, I only want my deposit of {$3900.00} returned and nothing further. Please help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Credit Management Control, 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... CREDMGMTCNTL ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Credit Technologies, Inc.
State: MS
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:
Two of these companies have ran my credit several times without my permission, I hired someone to repair my credit last year and during that time frame I have several inquires that I do not recognize and the company I paid to repair my credit turned out to be a fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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: Account status incorrect

Complaint:
I have been a member of the XXXX card since 2014 where I made a purchase and paid my debt off. Recently XXXX closed the card because I wasn't using it, but on my credit report, they report a negative mark stating that I had a late payment. which is false because I have never had a late payment on any of my accounts.

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 2017-06-30
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I currently have a collections account on my credit report from a collection agency by the name of I.C. Systems INC. and researched they do not not have a license to collect debt in New York. I have never had a contract with I.C Systems INC. and am not liable to pay any amount of money to them.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: OH
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 just pulled my report and saw a lot of errors. I saw some inquiries in my account that are not allowed under FCRA guidelines. I have tried contacting the bureau for validation but they chose to ignore my demands.

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 2021-07-22
Company: CMRE Financial Services, 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/XXXX, I made a credit card payment from my Capital One checking account to my Capital One NEW credit card. 
The funds for that payment were taken from my account on XX/XX/2022. 
To date, those funds have NOT BEEN applied to my credit card available balance. 
The card SHOWS I have a balance of {$140.00}, but my available balance is {$4.00} - as if no payment has been made. 
This is my first credit card and already not a good experience. When I checked to make my payment, my Capital ONE checking account information was ALREADY there as a payment option. 
When I called last week XX/XX/XXXX or XXXX, I was told since this is a new account, it will take longer for my payment to be applied and the available balance would reflect the payment made. I was also told my account would be updated by XX/XX/2022. 
Well, the available balance is still {$4.00} No updates, I am out of {$150.00} and Capital One is still not showing my available funds as available. 
I opened this account to increase my credit score. I use the card for XXXX XXXX back and forth to work. 
Except now I have to use my bank account. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 is trying to collect on a fraudulent check, against me, 5 years after the fact. 

They sent a collections account to " written off '' status without ever sending me notice of the alledged debt or making any attempt to collect on it. I filed a complaint to the NM Attorney General 's Office and they are in AGREEMENT with me that this debt did not go through a legal debt-collections process and it should never have been written off. 

I notified XXXX XXXX XXXX that they were trying to collect on a fraudulent check, on an account that was supposed to already have been closed, and they refused to accept any fraud report or do any investigation about why this account was sent to " written off '' status without ANY ATTEMPT to notify me of the alledged debt, or to collect on it in any way. 

I filed a police report to XXXX Police Department, claiming fraud, over this specific charge. XXXX XXXX is made no attempt to notify me that they were trying to collect on a fraudulent charge against me, on an account that was already closed. This is an illegal collections practise and I have the NM State Attorney General 's office on my side 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 explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
In XXXX of XXXX, I had a charged-off auto-loan from Santander Bank ( SANTANDER CONSUMER USA on my credit report ). Shortly after that, the vehicle was repossessed. Eventually, Santander sold the loan to a debt collection agency named XXXX XXXX XXXX XXXX which sued me in civil court through an attorney group known as XXXX, XXXX, XXXX, XXXX. 

I hired my own attorney who was able to reach a settlement with the creditor 's law firm. I paid this settlement amount in full. Earlier this week, I asked Santander to remove the negative account from my credit report, and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
Two of these companies have ran my credit several times without my permission, I hired someone to repair my credit last year and during that time frame I have several inquires that I do not recognize and the company I paid to repair my credit turned out to be a fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied a credit approval on XXXX/XXXX/2017 for a credit card from Citi Costco. I contacted COSTCO application department and I was told I was denied because of a 29 year old bankruptcy they have on their file. When I asked to remove the information because of age. I was told they will not remove the negative information from my file.

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 2017-10-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dealing with Shellpoint Mortgage Servicing 1. Received first letter dated XX/XX/XXXX requesting proof of hazard protection coverage. This is covered by our Homeowners Assoc policy. 
I replied to them on XX/XX/XXXX attaching a copy of our insurance policy.

On XX/XX/XXXX they confirmed that they had received the document. 
2. Received second and final notice from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and threatening to take out insurance cover on our behalf. 
I replied on XX/XX/XXXX stating that I had already sent a copy of the insurance and please do not charge us for any insurance. 
On XX/XX/XXXX they replied and apologized for the confusion caused and said to ignore the letter of XX/XX/XXXX. They stated your insurance is updated and no further information is required. 
3. Received third letter from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and stating that they have placed lender insurance coverage on our property at a cost of {$2200.00} and that our monthly payments will be adjusted to cover this cost. 
I replied on XX/XX/XXXX to say that they must have made an error as we have already given them proof of the insurance and they have confirmed receipt of this, and that they MUST NOT charge us for insurance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday XX/XX/XXXX at XXXX I transferred {$500.00} via XXXX from my XXXX checking account to my Key Bank checking account as I have done several times in the past. I received an email confirmation from XXXX that the XXXX was successful and the {$500.00} was immediately taken from my XXXX account. I did not receive an email from Key stating that it had been received. I called Key Bank that morning and during my initial call a young lady first said that they have been having some issue with XXXX that morning but after a very long hold time she said that she saw no XXXX transfer and that my issue had nothing to do with the issue they were having that morning. She instructed me to go back to XXXX. I called XXXX and they told me they have confirmation that it was sent and accepted by Key Bank and to go back to them. After multiple calls back and forth between the two banks and several hours of phone calls, long hold times and different departments I was told to " wait and see if it shows up in a few days ''. Today is Monday and I still have no record of my {$500.00} other than the receipt showing it was sent from XXXX XXXX. I also called XXXX but was told it had to be resolved between the banks. Can please please someone help me???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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: Account information incorrect

Complaint:
Agreed upon settlement for account number XXXX and XXXX. Balance should reflect as XXXX  and paid in full on both accounts. Agency agreed to remove accounts from all credit bureaus they report to.

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 2017-10-22
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have three loans with navient. I am currently in a XXXX school program and my loans should be eligible for in-school deferment. I spoke to over 10 people on the phone at navient to try to handle this and was continuously given faulty information. First they told me they needed a letter from my school, which i provided, and was told this was not enough. I was then directed to a website to have my school fill out the form, which they did, and again I was told this was not the proper form. I had to repeatedly explain my situation to try to locate the proper form. This took a lot of time and energy. Finally after being redirected numerous times, someone emailed me the appropriate form. Which I then had my school fill out, and again I was told the information was not enough. At this point, I just gave in and paid well over the balances on each loan, only to find out that during this time they had reported me to the credit bureaus. This was something that was in process, and I was explicitly told that I had until a certain time before my credit would be affected. The reported me a month before the date they had given me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX, XXXX, and Transunion are furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under investigation.

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