BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section XXXX XXXX a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
AFTER SUING OR SETTLING WITH FEDERAL TRADE COMMISSION EQUIFAX NEVER STOPPED DOING FRAUD. PREVIOUSLY ALSO THEY REQUEST DOCUMENTS SUCH AS A COPY OF A DRIVER 'S LICENSE, AND A SOCIAL SECURITY CARD FROM CONSUMERS TO SELL TO MARKETERS. 

PREVIOUSLY ALSO EQUIFAX REQUESTED 100 TIMES FROM ME TO FAX OR GIVE MY DRIVER 'S LICENSE NUMBER AND THIS TIME ALSO EQUIFAX DID NOT SHOW MY CREDIT REPORT AND ASKING TO SEND A COPY OF MY SOCIAL SECURITY CARD OR DRIVER 'S LICENSE AND SAID YOU CAN DO WHATEVER YOU WANT AS REPORT TO FEDERAL TRADE COMMISSION, XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU. BUT UNTIL WE RECEIVE A COPY OF YOUR INFORMATION WE CAN'T SHOWED YOU A COPY OF YOUR CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: U.S. BANCORP
State: NY
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:
Someone stole my identity to open a credit card at the US Bank in XX/XX/XXXX. The card was regularly used in XXXX and XX/XX/XXXX and was closed due to no payment. The physical address, phone number, and email address are all fraudulent ones on the US Bank records. I was not in the US from XX/XX/XXXX to XX/XX/XXXX, and I contacted the US bank that this was a fraudulent account. On XXXX XXXX  XXXX, I have signed and filed back the Statement of Fraud the US bank send to me with the supporting document, such as my passport, border stamps, driver license, and other documents to prove I am not in the US when the card was opened and used, and my residency was not the same with their records. The Statement of Fraud also has my signature, which can not be the same as their collections. I also report this identity theft case to the police department and all credit bureaus. I asked 3 credit bureaus to remove this fraud item from my credit report. 

However, I have received reinsertion notifications from XXXX and XXXX on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They said they finished the investigation and the US Bank submitted a certification that the account belongs to me. 

I do not agree with the investigation result and believe the US Bank doesn't even want to try to check the truth.

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 2021-08-02
Company: Rozlin Financial Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up to XXXX on XX/XX/2021 and cancelled after a week after realizing they had a poor user database and my " matches '' were far away from where I am located. I didn't even go on one date from that site. 
I followed the complicated steps to cancel membership which has a different name not " Cancellation '' ... to make sure I even emailed them since they have no customer service and they refused to give a refund/cancel. So I was like okay, I will just let them keep the {$150.00} they charged me already but I'm not paying anything else '' I had to cancel my debit card altogether and get a new one to avoid their automatic charges. Now I see they sent me to a Collections Agency even though I turned off my profile and I haven't used gone to their website or use their services. This is smart XXXX and abusive and they need to be Stopped. I'm trying to buy a house and the least I need is this bad record on my credit score because this company is fraudulent, since they don't have users, they exploit the few users they have. Beyond annoyed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Webster Bank ran a transaction on an account I had requested closed, overdrawing it, and then levied a penalty representing 100 % of the transaction. 
I had XXXX accounts with Webster. On XX/XX/XXXX in the Webster online portal I performed two transactions : I sent a secure message to close XXXX account, which I had emptied, and paid XXXX credit cards totaling {$110.00} in a single Bill Pay transaction. 
Webster ran the Bill Pay transaction first from the empty account, overdrew the account and then refused the close account request because the account was now overdrawn. They then levied three separate {$37.00} fees for {$110.00} total, equal to the whole Bill Pay transaction. 
I have been in contact directly with Webster several times but they agreed to refund only {$37.00} of the {$110.00}. I am requesting the remainder because : 1. I had already requested the account in question be closed. 
2. It was a single transaction within Webster 's online system, yet three penalties were levied. 
3. The empty account was selected by default and the second account hidden in a dropdown menu. 
4. The empty balance was not shown in either the confirmation prompt or the transaction receipt. 
5. An equivalent transaction would have been refused in branch - a teller would not allow you to make an internally-requested transaction from an empty account, this is a flaw in the online system only. 
6. A {$110.00} total penalty for a {$110.00} total transaction represents an unfairly high penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I applied with our mortgage company, BB & T Home Mortgage, to refinance our mortgage on XX/XX/2020. During that process we were charged twice for an appraisal and a credit report. We paid by check # XXXX dated XX/XX/2020, the amount of {$560.00}, and originally with our Visa Debit Card on XX/XX/2020, the amount of {$560.00}. They only obtained one appraisal and one credit report, and we are simply asking to be refunded in the amount of {$560.00}. We have asked repeated and to date have not received a refund.

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 2021-08-02
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Try to solve it using a link on XXXX XXXX ( XXXX ) and it says the information is correct. Which is not, account are older than 7 years and collection agency had altered the dates so it still shows on my credit report. {$1000.00} XX/XX/XXXX, the other one {$2300.00} XX/XX/XXXX. Im just asking for fairness, this is affecting the welfare of my children directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Approved for tax exemption program with my county ( located in XXXX in the state of Virginia. Lender is still currently charging me for taxes even though county and HUD approved Housing Counseling agency has submitted documentation showing where we are now exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I CA N'T PAY THE DEBT BECAUSE I WAS UNEMPLOYED AND COULD NOT PAY THE DEBT WITH MY UNEMPLOYMENT BENEFITS. I WAS NOT PAID BY TOYOTA MOTOR CORPORATION ( THEY/THEM ) THE RECALL MONIES EITHER AS I WAS TOLD THE CLASSACTION LETTER THAT THEY SENT ME AFTER I CALLED AND WROTE TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
Bank of America mis applied my payments to the wrong balance transfer promotion and is charging me interest on the new balance. They are also NOT recognizing a " Check Cash Advance '' promotional balance at the correct interest rate. I was told that " you ca n't write/depsoit a check to yourself and deposit it in your own bank account. '' When I asked for the person to show me where it says that on the marketing brochure for the promotion, she referred me to the XXXX office. I spoke to someone in their XXXX office, which apparently handles disputes such as this and I was told, " The bank had a major computer glitch earlier in the year that mis applied and mis calculated interest. XXXX accounts were effected and I assure you we are working to resolve the problem. You will see interest accumulate over the next several months on your statement but do n't worry about it, we are rectifying the problem and all fees and interest will be credited back to you at a later date. '' She could not give me a reference # of my dispute and asked me to call back in a month or so. The promotional balances on my statement do n't even add up to the entire balance due noted at the top of the statement. Further to this point of major computer errors, XXXX of the promotional balances appears to have shifted a decimal point and shows {$10000.00} in my favor. I compared to the previous statement and it 's clearly a computer error. My concern is that they will try and rectify the problem without any oversight and who knows how many XXXX of card holders will not even notice an error has been made and end up paying XXXX dollars of erroneous interest to the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've been in and out of forbearance for many years after my XXXX graduation, while trying to keep up with Federal loans as well. Every time I tried to setup a payment plan, or make payments by phone through XXXX XXXX/Navient 's automated system, payments would be disbursed incorrectly. In XXXX of XXXX, I made an automated payment by phone. When calling in to check on that automated payment, each person I spoke with kept telling me the same things- 1 ) my payment has already gone through and 2 ) they are still waiting for my payment to go through. Unfortunately, the automatic withdrawal was put towards another loan instead of what the automatic option I selected had told me. I even called a few times to make sure I was hitting the correct buttons. After about 2 weeks, I finally got through to a supervisor, frustrated with all I 've been through and not seeing anything corrected. The supervisor apologized and said it would take a few days to be put towards the correct loan.The supervisor then help me to set up a payment plan that would last for 2 years and advised that they would happily remove the errors off of my credit after sending a letter. I sure sent a letter within the same month. I received correspondence on XXXX saying that they made no error and they would not remove their errors from my credit report and my credit has been shot down so bad. After setting up a payment plan for what they said would be 2 years, they changed my automatic payments to a regular payment after only 5 months on XXXX/XXXX/XXXX. They said my 2 year payment plan was over, when it obviously was n't and there was nothing I could do. I told them I ca n't afford to pay all other bills including mortgage, along with current federal loans. The last call I had with them, they transferred me to XXXX different departments saying that each department would be able to take care of me. They have made errors too many times and it 's causing me stress and financial hardship. I 've spent too many hours of my time ( 80 % of my calls with them would take from 30minutes up to 1hour long ). They are unorganized and I would be passed from XXXX person to the next, then to the supervisor. I have all of my digital statements to show this. I 'm currently looking for an attorney who handles these types of situations. I have been struggling to get anything fixed with XXXX XXXX/Navient for many years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CL Holdings LLC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I went to XXXX XXXX XXXX and XXXX in 2007. Not until I pulled my credit report two weeks ago did I find out that I had over {$15000.00} in private loans in collections. I never knew I had these loans nor that I took these loans out to pay for school? I keep up on my federal student loans and have them in a income contingent plan. I 'm not sure how I will pay these loans off but I also had no idea I had these loans. If I would have known in the beginning I would have never agreed to private loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2016-04-25
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
In XXXX XXXX I took out a Payday loan with XXXX XXXX for {$400.00}. XXXX advised by the representative I 'd need to repay a finance charge of {$140.00} + the original loan amount, for a total of {$540.00}. They have not stopped charging my account since XX/XX/XXXX. When I contacted them in XX/XX/XXXX, they told me that I had to pay an interest payment before I could pay the principal. I threatened to contact an attorney, and they stopped, but started again as Big Picture Loans. They have drafted by account twice monthly. Upon further inspection, they have fraudulently initiated XXXX new loans in XX/XX/XXXX which I did not initiate ( See Attached ). Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: NV
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 sent a FTC Identity Theft Report to Equifax to dispute inquiries. On XX/XX/2021 I received a letter that I will attach to this complaint informing all the inquiries that have been removed from my credit report. I checked my report right away after receiving the letter and discovered that many of the inquiries and items that the letter says that was removed still on my credit report. 
When I called Equifax about the issue they said that I have to send the documents again to start the dispute process one more time. 
This is unacceptable and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a new vehicle from XXXX XXXX XXXX XXXX, California on XXXX XXXX, 2015. The car was a 2015 XXXX XXXX XXXX and decided to do the 0 % financing and put {$5000.00} down @ XXXX mos. My credit score was over XXXX! After XXXX months of calls from Chrysler Capital financing, a " XXXX '' requesting excessive documentation, personal bank statements, " how 's the money coming in '' ( really should n't matter where 's it coming from ) other than my net worth well exceeds the value of the vehicle. With the assistance of my financial institution XXXX XXXX XXXX XXXX company could not believe what Chrysler Capital financing was putting me through and the inconsitencies with requests!! Examples : XXXX XXXX - tried calling XXXX at the number that you gave me, nothing but a busy signal. XXXX the number to make sure I had it right, still busy. 
XXXX XXXX - tried the number numerous times during the day, still busy. 
XXXX XXXX - XXXX called in and we spoke. She was looking for employment info, which I told her I could not provideXXXX XXXX - XXXX called ( acting like it was the first time we had spoken ) and requested statements. I sent her the statements per my conversation with you. 
XXXX XXXX - received a message from XXXX, again acting as though she had never contacted me before, asking the I send the statements. I resent the statements and emailed XXXX XXXX XXXX - Spoke with XXXX at XXXX XXXX dealership and sent him the statement once again. 
In closing, I could of out right purchased this vehicle cash, but choose to do the financing. Having said that, if I was treated so poorly I would of never gone through this ordeal. On Sunday, XXXX XXXX I received a call from the Finance Manager, XXXX at XXXX XXXX apologizing for how I was being treated and that the loan had finally gone through. Returning home from vacation on Friday, XXXX XXXX to find a note taped to my front door from Chrysler Capital - " Urgent Notification - Account Default '' Really completely blown away!! XXXX weeks after getting a call from XXXX ... now my thoughts are what the XXXX is going on?? Called Chrysler Capital on Monday, XXXX XXXX and spoke to a XXXX, Manager in Servicing and I immediately asked her where is the statements, coupons reflecting what 's owed. She could not give me an answer and said that NO documentation had been sent to me even when I explained that the loan had been finally funded. Lack of complete communication ... I did n't know what to think other than, a real poor way of handling customer 's and NO XXXX people know what the XXXX is going on!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had a credit card with XXXX. They kept upping my credit limit and charging me XXXX every time without me asking them to. Then, I made a payment at XXXX XXXX on due date and they said it was late because it was after the business day ended. They charged me a late fee which made me over limit and charged me an overlimit fee. I refused to pay and they closed my account but charged me late fees and overlimit fees for 12 months. Account was bought out by Midland Funding XX/XX/XXXX. They began sending me settlement letters telling me if I took the deal, they would reverse my Interest charges. I called and they would not send me a contract in writing saying that fees would be removed, so I told them I was not paying. They began calling me up to 5 times per day even though I told them I knew they could only call once. After I threatened to sue, they stopped calling my phone and started calling my parents house and sending letters there. They had my confirmed address and phone number so this was also a violation. I had to call them again and asked them why they keep contacting my parents. I am XXXX years old and married with XXXX kids. I have never lived at the address my parents live at, and I have never used it for anything. They said that they never got any reply to the letters they sent me so they sent them there. The last letter they sent was on XXXX XXXX, XXXX. I called on XXXX XXXX, XXXX. They denied making calls and told me I could not prove it. They said the last record of a call is XX/XX/XXXX. That is a lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i usually pull my annual credit report around XXXX. when i went to pull in ocotber XXXX it stated i already had a free report done that year. i did pull XXXX earlier that year but i paid for it. i just tried to pull it again XXXX/XXXX/XXXX this year to make sure info was accurate due to me loosing my social security card and it stated i have already recieved it free this year. this is inaccurate.

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