BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a response to the rebuttal that I received from BBT Senior Vice President, XXXX XXXX XXXX Complaint Resolution Manager. I had previously disputed the unfair and deceptive business practices of BBT. XXXX XXXX said they uploaded the document of Notice of Incompleteness Letter, was uploaded to your online portal on XXXX XXXX 2017, at XXXX. I logged in many times after that date and did not see this letter uploaded to my online portal. Also when they so called uploaded the document what was done to notify me of the letter being uploaded to the online portal? I have emails that documents were available for my appraisal that were sent to my email from XXXX XXXX that were sent to my email address but those are the only notification. My loan officer XXXX XXXX was not even made aware of this notice of incompleteness letter. She extended my rate lock to XX/XX/XXXX and I have uploaded that form in a previous email. I was told if I had any concerns from the letter XXXX XXXX sent to call XXXX XXXX at XXXX. Her office hours are Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). I called and left a message and no response. All of the information BBT has supplied to me does not make sense. If they had the concerns why not call and discuss, I spoke with XXXX XXXX on the phone on X/XX/17 after I had retained an attorney to clear the title issue. I will pursue legal action now. I want to be reimbursed all cost incurred from this failed loan attempt starting with Appraisal fees, credit report fees and difference in interest rate and finance charges. BBT has done nothing but provide false information to CFPB. These documents were not uploaded to the online portal or I would have seen them. I pretty much was logging in everyday. BBT IT systems may not be compliant with current regulation since they say they were uploaded but I could not see them. This process has been a nightmare. I keep filing these disputes since the CFPB looks at trends. Also, the day they canceled my loan all my online documents were no longer visible. This in itself is deceptive since it is information that I have provided and contracts with BBT. Is this a normal business practice or is BBT Mortgage trying to cover something up? I believe BBT was trying to get out of financing a 15 year fixed mortgage at 2.875 fixed for 15 years since the rates have gone up after the election and I could not get that rate anywhere else.

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 2021-11-14
Company: EQUIFAX, INC.
State: GA
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:
So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX  XXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXXXXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.

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 2017-06-06
Company: Experian Information Solutions 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:
XXXX   XXXX , Tx I leased a car in  XXXX   2014 . Payments are {$570.00} per month. I have mad e 32 payments all on time. The balance of payments on the 60 month lease adds up to 28. My credit report has a balance of {$30000.00}. If you multiply 28 X   {$570.00} you get {$15000.00}. I believe  XXXX  is committing fraud to make their books look better. My name is  XXXX   XXXX   XXXX  Lease #  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 2017-06-06
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment on this account X/XX/17 which was ontime but the TD Auto finance company is reporting it as being made on X/XX/17 making it a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mother has a VA Loan. During the pandemic she filed for a forbearance under the Cares Act. We were told that there were plenty of work out options. We were told Rocket would work with us. Nothing has been further from the truth. With less than 30 days until her forbearance ends- they have not sought any work out options. They have only demanded a lump sum payment. This is a violation of the Cares Act and two VA Circular Notifications. XXXX XXXX XXXXXXXX XXXX XXXX XXXX As well as the partial claim program : XXXX XXXX XXXXXXXX. On XX/XX/XXXX - XXXX was told by a gentleman on the Accounts Resolution team we needed to pay the lump sum. I inquired after receiving a certified letter in the mail on XX/XX/XXXX. The gentleman was not aware of any of these regulations and stated he was not a lawyer. This was stated after asking about the two VA Circulars. Why Federal Law did not supersede any arrangement they say my mother agreed to ( which she did not agree to a lump sum payment ) She did not! 

On XX/XX/XXXX - we were told that our forebears be wasnt under the Cares Covid Act and fell under hardship. The cares act states direct or indirectly affected. My mother could not get a part time position with everything closed in our small town. She was also an at- risk patient at that time. To this date Rocket has not offered a partial claim - even though we qualify under VA guidance and Cares Act. Each time I call- they also try to state I am not qualified to speak on the loan when I am - intentionally making it difficult to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Experian Information Solutions Inc.
State: GA
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:
The credit reporting agency  XXXX  is reporting an unverifiable account with   XXXX   XXXX   XXXX   on my credit report as a Deed in lieu

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 2017-06-06
Company: JPMORGAN CHASE & CO.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over  one year ago I contacted the mortgage company to find out what we had to do to get the PMI removed from our mortgage. They would not even give me any information and said they would mail me the information I needed. They sent out refinancing applications. I do not want to refinance the mortgage I just want to stop paying PMI. I have over 35 % equity in my home and my PMI should have been removed after having only 20 % equity. I called them again 2 weeks ago and  they still said I can not talk to anyone about this issue and they will mail me information. To this day, I have not received any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan with Toyota Financial which I completely paid couple months back but it still shows on my credit report. This is effecting my credit because it show I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, We members of Naca.com ( XXXX ) have been trying to close on a house going on 60 days. It is not our fault Naca people keep inputting the wrong information in our file every other day. No one at Naca is fully reading our file and updating it correctly. We are out of extensions and now in a hotel ( family of XXXX and XXXX dogs ). Our lease was up on XX/XX/XXXX. I need your help please. We are about to lose our " Earnest Money " to. This is out of the XXXX office. Our mortgage counselor is XXXX XXXX who went Ghost on us last week. The office manager is suppose to assist us and is not doing a good job at getting us a closing date. HELP.. The XXXX XXXX XXXX is our lending company. <P/>XXXX XXXX XXXX NMLS # XXXX NACA Neighborhood Assistance Corporation of America XXXX XXXX XXXX, XXXX XXXX XXXX , Georgia XXXX www.NACA.com America 's Best Mortgage! <P/>Regards, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
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 am writing to dispute the Account or File Number being charged as BAD DEBT/CHARGE OFF AND OR COLLECTIONS that appears on all 3 of my Credit Reports. I have circled the information as it appears on my credit report for a visual that this account is being reported inaccurately.
I previously was told by a representative at Automobile Acceptance that the accounts would be updated with the Credit Bureaus to reflect accurate information. That information has not been updated on my credit report correctly it has been reported as BAD DEBT/CHARGE OFF AND OR COLLECTIONS which is not TRUE/ACCURATE reporting of this account to the Credit Bureaus.
Im having a hard time comprehending why this account is still being reported to the Credit Bureaus when the account was Paid in Full on XX/XX/XXXX. Per the Fair Credit Reporting Act I have the right to dispute all inaccurate information contained in my file. Therefore I will need documentation on a Company Letter Head that the account will be deleted from my report or further action will be taken.
Enclosed are copies of my credit report from XXXX, XXXX & XXXX. I have circled the information that is INACCURATE. I have also enclosed letters from Automobile Acceptance that states that the account should be 1 ) Paid or Closed Account/XXXX Balance 2 ) Payment Rating of Current.
To resolve the problem, I am requesting that the account be removed from my credit report because this is causing major harm to my credit. This can be done and will be done because this matter should have been resolved when I received the letter from the Employee XXXX XXXX dated XX/XX/XXXX stating that the account was Paid in Full ; as well as a letter from Employee XXXX XXXX dated XX/XX/XXXXstating that the account would be updated with the Credit Bureaus. This is NO JOKING MATTER because this unresolved account is hindering my life and causing harm to me.
I need this issue expedited so that the issue will be resolve once and for all.

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 2017-06-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
BANK FAILED TO ACTIVATE THE INSURANCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital one spark XXXX I called in and closed this account in XX/XX/2019. I made a XXXX dollar payment and advise the customer service rep that I wanted the account closed after discussing my previous experience with capital one I have decided to not deal with the company because of their tactics and they did not protect my information privacy act. They are calling my phone from XXXX XXXX  till XXXX XXXX  on an account I have closed that is still showing open and charging me Intrest rates monthly. I want this account closed as I have asked them to do. This another tactic they are using to make my bill higher. I want the account closed as of XX/XX/2019 card last 4 numbers XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Please reference XXXX that was closed. 

The credit card was closed and the full payment balance was paid and despite this Wells Fargo placed charges on the card that were not made by me and is now charging me late fees and interest on this fraudulent charge that THEY placed on my card that was closed months before.

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 2017-06-06
Company: EQUIFAX, INC.
State: MD
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:
The courts file a tax lien due to misinformation. Once the information was corrected the tax liens were released. I sent the documents the documents to all  XXXX  credit reporting agencies and requested that it be removed because the tax lien should not have been filed.
<P/>
 XXXX  is the only credit reporting agency to remove the derogatory information from my report. I have been unsuccessful with   XXXX   and Equifax.
<P/>
I am requesting with assistance in getting  XXXX  and Equifax to remove this erroneous information. This is damaging my credit report and I can not apply for credit.
I also provided them the information to support the request for removal. It is very hard getting the credit reporting agencies to do their job and correcting your credit reporting.
<P/>
 XXXX    XXXX   XXXX   XXXX     XXXX , PA  XXXX  Equifax   XXXX   XXXX   XXXX   XXXX    XXXX , Georgia  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Perfection Collection
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has placed a collections on my credit although I have no contract with them. This company has called me several times leaving a message saying that someone will be at my home within the hour to deliver legal papers for my arrest. They end the message with " You 've been warned ''. The agents at this company use scare tactics when you return their call. They say your case is so severe I have to transfer you to our legal department. This company has called my daughter 's phone threatening to arrest me which was very traumatic for my child.

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 2017-06-07
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a check in the mail for XXXX dollars with a XXXX dollar per month payoff amount for 800 dollars roughly. I called them to give them my credit card so I can start paying back the loan and they would n't take it with out me first telling them my employer. I already got the check without giving my personal information and now they want my employer. Well I 'll make payments. But they are not getting who I work for. Please help in this regard. I do n't like people talking to my employer and I think they are just out to harrass me when I am already willing to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been attempting to resolve a debt with Calvary Portfolio for a while. I do not know what this debt is for. I previously sent a few request to this debt buyer requesting they provide me with a contract or documentation bearing my signature showing what I agreed to, the terms and conditions involved, and when I entered into this alleged agreeemnt. To date this company has intentionally negated my very specific request. They provided me with a letter offering sympathy for a payment plan and one print out of what is supposed to be an alleged debt. There is no signature and the file of evidence is incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: Lendmark Financial Services
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: FIDELITY CAPITAL HOLDINGS, INC
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:
Item was disputed on Credit Report since XX/XX/2019. The item is not my account. I do have an account with this credit and I haven't open an account with this credit. 

I have asked the credit bureaus to investigate the item and company and the credit bureau will not provide written documentation or proof of a contract to me to proved that I have an account or open an account or have association with one of the company 's associated businesses. 

I have contacted the company and the account is a business account. I do not have a business or a business account with this company.

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