BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX/ XXXX XXXX XXXX XXXX REPORTED MY CARD AS 30 DAYS LATE, MY ACCOUNT WAS NEVER PAID THIRTY DAYS LATE. I SPOKE WITH A REPRESENTATIVE NAMED XXXX WHO TOLD ME TO DISPUTE THE CLAIM WITH THE CREDIT BUREAUS BEING THAT I WAS NEVER LATE. I REPLIED AND STATED THAT THIS COMPANY SHOULD CORRECT THE ERROR NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Debit card was stolen and used to make bad deposits and withdraw cash from my son 's checking account. Additionally, the card was used to make purchases. I reported the lost card immediately upon my son realizing that he did n't have it. Suntrust opened XXXX cases for the reported fraud on XX/XX/2016. On XX/XX/XXXX, I received notification that the cases were opened. On XX/XX/XXXX, after I received notification that my case ( claim ) was denied. On XX/XX/XXXX, I went to a local branch to discuss the case since the customer service telephone service could not give me any details on the denial. The branch VP talked to corporate staff via phone while I was there to better understand the denial and appeal process. I was told that I would receive information via mail about the appeal process. On or about XX/XX/2016, after having received nothing via mail or email, I again went to the branch office to discuss the matter. She again discussed the case with corporate staff via phone in my presence. I was told that I needed to file an appeal if I disagreed with the findings. On XX/XX/XXXX, Suntrust sent me two letters : one that they received my dispute and the second that the rebuttal did n't provide additional information to overturn their decision. On XX/XX/XXXX, my son filed a police report with the local department. On XX/XX/XXXX, I faxed a letter appeal to Suntrust along with copies of the obviously fraudulent deposits as well as the police report. On XX/XX/XXXX, I stopped by the branch office and asked if the VP could help. I told her that I had sent the appeal and received nothing even though the previous correspondence to Suntrust had resulted in almost immediate responses. I emailed her a copy of the letter that afternoon. On XX/XX/XXXX and XX/XX/XXXX, I received emails from the VP inquiring about responding via a " rebuttal form ''. I have received no written response to my XX/XX/XXXX appeal nor have I been reimbursed any of the stolen funds or bank charges due to insufficient funds.

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 2016-02-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
After moving money around between my various Suntrust accounts, I spent a lot of time trying to find the fee schedules for all my various accounts to make sure I did n't incur any service charges for low balances, etc.. I found there is no easy way to see the fee schedule for a specific account. There is a pdf online that shows the fees for the current products offered, but I have a bunch of older account types. I discovered that I had several {$15.00} charges on my money market account starting last XXXX because, while the current money market account being offered waives fees regardless of balance if an automatic checking transfer is in place, my older account did not. It 's hard for a consumer to avoid fees when Suntrust only publishes the fee schedules for the currently offered account types. I had to threaten to close all my accounts and move to another bank if those fees were n't refunded. A customer service rep refunded XXXX of the XXXX {$15.00} charges, but said that 's all they could do? I would like the other {$15.00} charge refunded as well. But, most of all, I would like Suntrust to simply make the fee schedule for each account type easily accessible so others do n't have to waste their time like I have. 

I see 2 possible solutions : 1 ) Make the fee schedule for each account easily accessible - even when those account types are no longer part of the current retail offering 2 ) Transition account types that are no longer offered automatically to new account types where the fee schedules are easily accessible. 

How is a customer supposed to know when their account type has become a legacy product and no longer important enough to offer an easily accessible fee schedule? 

BTW, how hard is it given the state of technology to give some sort of a warning to customers when they do something that is about to incur a fee ( with a link to the fee schedule for their specific account )? I get plenty of correspondence from Suntrust trying to sell me additional products and services. How about something I can actually use - like a notification that my balance has fallen below a certain level and I will be charged if nothing is done by a specific date.

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 2020-03-10
Company: Experian Information Solutions Inc.
State: MI
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:
Ive been disputing inaccurate information about me on my credit report. 
Experian and XXXX  Both reporting inaccuracies. Ive disputed twice and still reporting verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
XX/XX/2020 I was informed that I had fraudulent accounts opened in my name by my credit monitoring service. I went onto each of the three credit reporting services and entered a " Fraud Alert '' on each. While on EXPERIAN website, I also noticed that they have someone elses email address on file under my social security number! That was very alarming! 

I tried contacting every phone number on their website, from XXXX searches, and ever using my credit monitoring service to help - absolutely no success as you just can not get a real human being on the telephone no matter what question you are asking. Every phone number leads you to a voicemail system that only asks a couple questions and EVERY SINGLE QUESTION leads to disconnecting your call at the end. No option for an operator, even tried selecting other numbers or using " operator '' or " customer service '' voice prompts - but nothing! 

Then, to top it all off, there is an option to " Upload '' documents to Experian for their review. Great, i thought! Went through that process only to be told that my " session has expired - try again ''. Tried at least a dozen times, no success. 

It is amazing that in this day and age, you can't get a person on the phone to ask a question or get directions. Not even an email address to send a question to. 

I need help and just can not get it from Experian and am worried that someone has stolen my identify and will remove any fraud alerts I have setup on my account because they now have full access to a fake email address that only Experian can change. 

PLEASE HELP!!!!

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 2015-08-24
Company: Velocity Portfolio Group
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who Velocity Investment llc never heard of them. I had an auto account with XXXX XXXX XXXX. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. XXXX sold them this account. I do n't want to communicate with Velocity or their representation lawyers either. I want XXXX to communicate with me about any debts that they feel I owe them. I sent a letter to Velocity and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with Velocity or their lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditorEMERGENCY PHYSICIANS OF TIDEWATERAccount # XXXX OpenedXX/XX/XXXXXXXXCREDIT CONTROL CORPAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 've been attempting to work with Fed Loan since XXXX XXXX to have my payment plan recalculated. I called them in early XXXX and informed the rep that I was having a hard time paying my loan. Additionally, I told the rep I was recently married and needed to update my family size. The rep stated that the change in my status would help decrease my monthly payment. He asked that I submit documentation including my taxes as well as pay stubs. I was informed that I could also qualify for an administrative forbearance. I call each month until early XXXX and am always given conflicting answers. I got so frustrated that I decided to contact the XXXX XXXX XXXX XXXX Ombudsman group for assistance. With their help I was able to have my application expedited. Unfortunately, once my loan was recalculated my monthly payment increased from {$430.00} to close to {$630.00}. I surely could not pay this amount while at the same time affording rent, car insurance, and other essential living in the XXXX XXXX area. The Ombudsman group was able to provide me information on another payment plan that would decrease my payment plan. I applied in early XXXX XXXX for the Repaye/Paye program. I called twice to check on the status of my application and was informed that I would receive notification " In a week ''. I informed the reps that my loan was past due and near delinquency and this was very urgent. I was informed that I did not need to worry as I would receive notification. Almost XXXX weeks later, I have not received anything. I do not qualify for a deferment or additional forbearances. I contacted the escalation line for Fed Loan 3 times to request an administrative forbearance but have never received a call back. I used the chat feature on Student.gov today for assistance. The representative told me to go back to school so that I could qualify for an in school deferment. Really? Go back to school? My husband and I combined owe over {$200000.00} in student loans. I would like to pay my loans but need a reasonable payment. I am not asking for a handout. Why are n't there options out there for people in my situation. I feel as though Fed Loan rather see me default then to provide assistance. My experience with this company has been BEYOND FRUSTRATING. PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a Discover card that I no longer use or have a balance on, and today I got the following email from them : '' XXXX XXXX, your Discover card 's built - in benefits are streamlining on XXXX 2015At Discover, we want you to be happy. That 's why periodically review the valuable benefits that are built in to your Discover card. We have decided to retain some benefits - like purchase protection and price protection - and discontinue others. 

What this means for you : Effective XXXX XXXX, 2015 Discover card will discontinue the following benefits : XXXX Travel Assistance, Baggage Delay Insurance, and Emergency Roadside Assistance. If you have a loss or incident that occurs on or after XXXX XXXX, 2015, it will not be covered by these benefits. 

Want to learn more? 
See all your card 's built-in benefits at Discover.com/cardbenefits. " This seems entirely misleading. They want me to be happy, so they are removing some benefits. They put that jumble of sentences before the actual change just to make it seem like they were n't taking something away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: EQUIFAX, INC.
State: MI
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 mailed a Multiple  Inquiry Removal Letter o n  XXXX   XXXX  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I receieved the same response for all inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigated and if yo u do not investigate and respond, the CRA must delete the disputes information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: TX
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-04-20
Company: Experian Information Solutions Inc.
State: VT
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 compliant concerns multiple fraudulent issues on my credit reports as held by XXXX, XXXX  & Experian. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXXs. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by XXXX, XXXX  and Experian. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.

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 2022-03-17
Company: LDF Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been harassed by this Collection Agency via text, email, and now they are harassing relatives & neighbors that were NOT a part of my application process. This is an old account/debt from 7-8 years ago. I have not been able to speak with a XXXXive Representative of the Collection Agency, XXXX XXXX ( phone # XXXX ). With so many scammers and fraudulent activity on the rise, this is NOT a good practice that this agency is using that your information is being identified using IVR technology.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requesting Payment History for XXXX Wells Fargo Home Mortgage purchase my mortgage in XXXX of XXXX and increase an original mortgage of {$330000.00} ( XXXX ) to XXXX which cause me to go into default in XXXX after becoming unemployed. 

I was placed on a Forbearance program for that period I was unemployed in XXXX, and I sent my unemployment check every two week ( {$480.00} ) to Wells Fargo during the time. I was rein-employed in XXXX and started making regular payments. 
On my XX/XX/XXXX Statement payment due was {$7900.00}. 
YTD Summary Unpaid Unpaid Principal Bal XXXX Unpaid Second Principal Bal XXXX ( Buy-back Loan ) I worked the entire year of XXXX ; however ; I am not sure if I was allowed to pay mortgage because the foreclosure process had started. 
In XXXX I gave Wells Fargo {$32000.00} through the District Court, and I did not see a change in my mortgage default. 
I have been requesting a Payment History from Wells Fargo for Three ( 3 ) Months and I have yet to receive the PAYMENT HISTORY for 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 explanation
Consumer complaint received 2020-04-20
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a forbearance on my mortgage and the company made the forbearance retroactive to a period before I applied for the forbearance and only permitted me two months forbearance although the CARE Act permits up to 180 days at the request of the borrower. When I called the mortgage company ( AmerhHome Mortgage ) to request that this issue be fixed they said they would not make any changes that I could call back after the end of the two month period they gave me and ask for an extension. When I told them that the CARE Act permits up to 180 days they said they did not start allowing that until Thursday ( XX/XX/2020 ). When I pointed out that the CARE Act was passed on XX/XX/2020 and that their actions were in violation of the law they said that there was nothing that could be done. I then asked to speak to a supervisor and I was left on hold for over an hour and no one ever picked up the phone.

Company response to consumer: Closed with explanation