BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
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:
This is my third dispute. 
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: ACS Education Services
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
ACS servicer/ XXXX  for my student loan is reporting my account in COLLECTION . ACS Inc. is th e student loan servicer for  XXXX .  ACS  is reporting to   XXXX   and  XXXX  that my account is not just late but in COLLECTION.   1. During the time fram e   XXXX      XXXX    m y loans were being consolidated.   2. I worked with  XXXX   XXXX  to correct this information which was not corrected by ACS to the credit bureaus.  XXXX   XXXX  requested 6+ times for this information to be verified and corrected.   3. These request were made at least 1 year ago - yet  ACS  has not verified nor corrected information.   I have attached : Loan consolidation document from ACS, current  ACS  account information,  XXXX    XXXX   document requests ( which had no responses ), an d   XXXX   XXXX   credit reporting s howing information reported to credit bureaus  XXXX / XXXX / XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TCF NATIONAL BANK
State: UT
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:
XX/XX/XXXX XXXX XXXX XX/XX/XXXX were not late. Payments made in accordance with payment forbearance given by company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Around XXXX 2015 I decided to refinance my property. 
My current mortgage company was not being responsive so I began working with QuickenLoans after seeing some of their advertisements. 
I spoke with one of their client agents ( XXXX XXXX ) who promised that they would be able to close within 45 days. The promise of the 45 days combined with their advertised success rate of 95 % is why I chose to go forward with them. 
I began the process XXXX/XXXX/2015, sent them all of the required information. I was n't getting any communication so I went to the website to check the status. 
Each time I went to the website I would get a call from an agent assuring me that " We are almost there ... '' and asking for more information which I would provide. This went on, back and forth, them asking for more information, me providing it and getting empty reassurances week after week. The 45 days promised came and went. 20 more business days later, they finally sent out the notary with the contract. She asked for my ID and the name on the contract did not match so we could not close. 
All that time and information exchanged and the QuickenLoans agents still could not get the simplest thing right. That was the last straw for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Chase is showing XXXX accounts on my credit report without sufficient information. I have requested them to fully validate my accounts XXXX times ( with certified mailing receipts ), but they have failed to do so. I have also been in contact with the XXXX credit bureaus in order to get these accounts removed, with no such success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
Attached is email communication from XXXX XXXX LoanMart rep ( XXXX XXXX ) threatening me with a repossession order for a payment that was mailed XXXX/XXXX/17. 

First, and foremost I 'm not fresh off a XXXX, am still a customer, and a LEGAL tax paying law abiding citizen who happens to also be a consumer. I will/am NOT going to be communicated with in a threatening demeaning degrading manor by ANY institution, or XXXX representative who is, or has probable ties as a friend, or family member to illegal immigrants in this country, over a {$260.00} monthly loan payment being sent in later than the payment date!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: JTM Capital Management, LLC
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:
This complaint is to inform the CFPB that XXXX different companies are claiming ownership to one account on my credit file. According to the FCRA, this is a violation. XXXX This original furniture, XXXX XXXX XXXX has fraudulently sold this account to two different collection agencies. XXXX XXXX, XXXX, and XXXX XXXX XXXX  , LLC which I havent had any luck with speaking with a representative. While they are still claiming ownership on my XXXX and XXXX credit files. Making it a total of 3 different companies claiming ownership of one account to the three major consumer agencies. Along with this complaint, I have included screenshots of their fraudulent behavior of these companies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing negligently misrepresented a short payoff transaction that resulted negatively on my credit and caused damages to me. In 2016, I contacted SPS as they sent me a letter informing me that my mortgage would significantly increase due to a rate increase. Therefore, I asked them what are my options to avoid a rate increase as I had just completed the HAMP program and was on a good track which I wanted to maintain. The rep stated that I had the option to submit an offer to the investor and if accepted would be accepted as payment in full. I had asked the representative if this option would negatively affect my credit and the agent stated no, it would reported as paid in full as this is not a short sale. Also, the representative stated that they would send me a letter stating that my loan would be paid in full, which they did and I have a copy of the letter. I was concerned about my credit as I spent the last 5 years working hard to repair it due to late payments from the mortgage crisis, which I had explained to the representative. Again, the representative assured me that it would be shown as paid in full and I would receive a letter stating that I could use as proof. Therefore, I proceeded with the negotiation and sourced the funds to payoff my loan. After the transaction was complete, I receive my letter stating that the loan was paid in full. 

Thereafter, I applied for credit and was denied due to a short sale. I had advise the creditor that I have never sold my property and I only paid off the loan. They stated that the creditor is not showing the loan was paid in full but settled and it is negative on my credit. My score had dropped significantly as a result, and I am having a hard time sourcing the approvals needed to take care of my family and lifestyle. 

In conclusion, had SPS been transparent, informal, and truthful about the transaction, I would not have accepted to move forward in order to protect my credit that I just spent the last 5 years rebuilding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: MB FINANCIAL, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My roof got damaged by wind. XXXX XXXX insurance issued a check to me to replace the roof. The check needs mortgage company MB Financial endorsement. I sent the check to them and MB Financial deposit check on XX/XX/2015. I submitted all required document to MB Financial XXXX/XXXX/2015. MB Financial still hold the check. Without their check I can not hire roof contractor to fix my roof. XXXX XXXX has already approved and paid the check. But the XXXX XXXX check is still holding by MB Financial for more than 6 weeks. 
I need MB Financial to send me the check as soon as possible to fix my damaged roof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/XXXX we were notified by email of possible fraudulent activity on our Bank of America credit cards. Our cards were cancelled, a fraud report generated, and new cards were promised to arrive XXXX. 

On XXXX/XXXX/XXXX only XXXX card was delivered ( 1 day late ) for XXXX of the XXXX account holders. A complaint was then issued for missing card. New card promised to arrive XXXX. 

XXXX/XXXX/XXXX Received shipping notice that missing card was delivered ( again 1 day late ), but no card had actually arrived. Complaint issued. On the same day there was further suspicious activity ( a declined XXXX cent charge ), so both card were cancelled. XXXX new cards were promised to arrive XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX, no cards had arrived. Called BofA, and they said cards were never mailed ( admitted their mistake ). They said the order was still " processing ''. We were told new cards would be expedited and would arrive on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we received an email from BofA saying new cards would arrive in 5-7 days. I called again, and they said they would expedite a different set of cards that would arrive on XXXX/XXXX/XXXX. I 'm not holding my breath!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I wanted to proceed with a mortgage refinance on my primary residence and I was rejected by USAA Federal Savings bank due to my debt to income ratio which was 48 %. The associate stated that the debt to income ratio should be 45 % or under. So I applied with my wife as joint applicants. We were turned down as well due to the fact that her credit score was below XXXX ( XXXX ). I am displeased due to the standards imposed in trying to apply for a refinance. We are hard working individuals that want to consolidate the XXXX mortgage loans into XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Billing statement

Complaint:
I applied for a credit card with Cit Bank a couple of month ago. I just realized that they are not displaying the minimum payment warning table. This is the table to inform consumers of the monetary cost and time it will take to pay off a credit card balance if they only make the minimum monthly payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card
Issue: Late fee

Complaint:
I have a Bank Of America Credit card and they do not allow you to set a automatic payment of the minimum due. You must set a predetermined amount. I called them because I got a late fee and there reason is you need to look at your statement each month and pick an amount. 

So I did not look at my statements for two months and got charged a late fee. I called them and they refused to fix it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX of XXXX, I got divorced from my ex husband. He was awarded our XXXX XXXX XXXX, that XXXX financed through USAA Bank. In XXXX or XXXX of XXXX, a tow ruck appeared at my home, and the driver proceeded to try to repossess my XXXX XXXX XXXX, which was at the time current on the payment and finances through XXXX Bank. I had the police come to the house and they were able to get the report guy to put the car down, explaining that he was trying to take the wrong vehicle, the police had me open my garage, to prove that the XXXX XXXX was not on my property. This was the first I was told that the car was behind on payments. My ex turned the XXXX over to USAA sometime in XXXX. At which point I sent them the divorce decree showing that I was no longer liable as he was awarded it in the divorce. In XXXX of XXXX my ex filed bankruptcy and USAA started once again reporting a charged off car loan on my credit. In XXXX XXXX I ended up paying the car loan to settle for a lesser amount to stop the negative reporting on my credit report. Since I paid them they have continued to report it as a charge off. Multiple times every year.. I have tried contacting USAA regularly to resolve the issue. I keep getting transfered all over the place and no one is able to resolve the issue.. I have been turner down for XXXX banking positions with the excuse that they can not place me in a position of loan origination with this charged off car loan on my credit. I did not get the car repossessed, I did not file bankruptcy, and I paid them to settle the account, even though I was no longer legally liable as that is what USAA said needed to be done for it to be removed. I just went again in the beginning of XXXX to try to refinance my home and am shocked to see that the bank has yet again reported the charge off as of XXXX XXXX XX/XX/XXXX..every time they report this my score drops XXXX point and I can not refinance my home. What is the point of paying rg debt if they are not going to leave my credit alone and are going to continue this harassment, which I thought was illegal. Please send me the name of an attorney in Arizona who can help me.. Thank you XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In numerous previous complaints from earlier this year, I asked that clean, corrected copies of my credit report from Experian be mailed to me. This is the only way for me to verify what the latest invented garbage is that they so habitually insert into my credit file. I challenged numerous items yet I have not received a corrected copy of my credit report. 

It is preposterous that consumers can receive only XXXX copy of their reports a year. This means that the largely illegal activity of Experian can not be detected, unless consumers are willing to pay this criminal agency to reveal only their latest activity which does nothing to curb their habitual and wanton violations of fair credit reporting laws. Consumers should be allowed to receive free copies of their credit reports at least XXXX a month, given the enormous amount of unverified information that appears in credit reports and Experian 's ready trafficking in it, by collecting fees from all kinds of bottom-feeding and any other agency it can get money from. 

( See numerous complaints against Experian from earlier this year, as well as last. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian conducted an investigation on an item that was filed in error by the XXXX, and after Experian was notified of the item being filed in error, and subsequently rescinded by the XXXX they still left it on my credit file. When asked who verified the item, the customer service representative told me that they did not have to share any information about whom the item was verified through, which is in direct violation of the Fair Credit Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Experian is in violation of this law.

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 2022-11-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Under 15 USC 1691e3, a consumer which is me is not allowed to be denied of their own extension of credit. I feel discriminated and violated of my rights from being denied based on my background.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is still reporting a debt that was discharged in bankruptcy. Partial Account number XXXX is still reporting a balance of {$760.00}. I would like this updated to Included in Bankruptcy and balance reported {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
As of the end of XXXX 2015, I was no longer on direct deposit through my employer. This was due to some questionable charges through my checking account ; in addition, I am also trying to consolidate debt so my plan had been to close the account and open a new XXXX. I am paid bi-monthly ( the XXXX and last day of the month ) and on XXXX XXXX, XXXX cancelled the deposit from my account at PNC Bank, as planned. Several days later, around XXXX XXXX, the accounting department from my company called me to let me know that PNC had reversed the XXXX transaction so essentially I was paid twice. PNC never contacted me to inquire about the transaction ; any number of scenarios were possible, i.e. what if I was n't working with the same company anymore, or had been fired, etc. I admit that I had not noticed things going awry because my husband was in the hospital at that time and my focus was elsewhere. I contacted PNC customer support immediately to find out the procedure for unraveling this error. My case was sent to their escalation department and I was contacted by a member of that team named XXXX. She left me a voicemail message ( around XXXX XXXX ) and gave me the number to call, along with instructions that I did n't need to speak directly to her, that I could talk to anyone in that department. I returned the call the same day and spoke with XXXX XXXX. I explained what had happened and she was going to look into it and get back to me ; I made sure she had my cell number and work number. I told her to please leave me a message if I did n't pick up that I would call back. That is the last I have ever heard from PNCs escalation department. I have tried calling again but to no avail. In short, there has been no effort by PNC to fix the problem that they created. Compounding things is that I had also opted out of overdraft protection but PNC has continued to let things through the account while collecting outrageous fees. When I questioned them about it I was told that overdraft protection was only for my debit card, which I have not used for a month. I asked that a hold be put on the account so that I could try and unravel the mess but was told I would have to physically go into a branch and ask. This is not convenient for me since they closed the branch that was near my home and I can not just pick up and leave work anytime I would like. 
My employer, while understanding, does n't appreciate these inconveniences and if this is n't resolved soon I fear my job could be in jeopardy which I can ill afford. I feel that contacting the Consumer Financial Protection Bureau is my last hope to ever get resolution.

Company response to consumer: Closed
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They contact an emergency contact name disclosed in my rental agreement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation