BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-20
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-20
Company: Experian Information Solutions 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:
Dear Experian After reviewing your response to my dispute letter of the account listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. Youve chosen to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department and FTC. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Systemic bait-and-switch operation with SoFi and offered interest rates. <P/>In XX/XX/XXXX, I applied for a refinance loan of {$26000.00} on the remainder of my Federal Student loan balance. In the application process I provided my requested information including my current annual income of {$120000.00}. They pre-approved me for a 5 year fixed loan for the amount requested at a rate of 3.99 %. I applied for the loan and provided requested pay stubs for income verification purposes. These paystubs from the end of XX/XX/XXXX showed year to date income of {$51000.00} which I used to calculate the annual income I submitted with my application of {$120000.00} scaled for 12 months. None of this income was bonus or commission type income and was all directly related to my profession and work as a XXXX XXXX. <P/>SoFi told me that they would not accept this income for verification purposes implying that a portion of my income would be treated like bonus or commission type income for which they ask 2 years of prior XXXX statements. Specifically, approximately {$40000.00} of my current annual income out of the {$120000.00} is regular XXXX reported taxable income ( not XXXX ) from picking up extra shifts at the XXXX ( not overtime and commonly referred to as " moonlighting '' in the XXXX XXXX ). I do n't believe a reasonable consumer would believe that this is bonus or commission type income, and there is no information available that would suggest this type of income would be treated differently for verification purposes in the application process ( SoFi does specifically mention bonus or commission type income on their website though ). <P/>SoFi then tells me that they would no longer be able to offer the rate of 3.99 %, but that the good news was that they were still able to conditionally approve me at a new 5 year fixed rate of 5.115 % ( 28 % higher than the 3.99 % rate they had pre-approved me at ). <P/>At that point I was thinking, oh well, SoFi as a private company can set whatever standards it wants for its lending as long as not discriminating or breaking other laws. But then I read other reports on the Consumer Financial Protection Bureau website and found that many others reported similar experiences of being pre-approved at one low rate, and then experiencing some type of difficulty in the application/verification process outside of what a normal/reasonable consumer would expect and then being told of the good news of being offered a higher interest rate than the one they were pre-approved at. This higher interest rate is offered after the consumer has provided their protected financial information and authorized a hard credit check ( which hurts their credit ) and SoFi can then share/sell/use this financial information in a proprietary way while not honoring their marketed or pre-approved rates in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have previously reported, XXXX had agreed to remove the inquiries on my report, XXXX has been removed the other remains. The XXXX court record was paid in full, paid medical bills should be be removed. The XXXX account is reporting open, this was closed last year. I never had a loan with XXXX that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: WELLS FARGO & COMPANY
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 150 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2021-04-20
Company: EQUIFAX, INC.
State: VA
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 already submitted problem report XXXX. After getting a response to this that my name had been changed, I tried to access my myEquifax account under the email XXXX. I was unable to do this so I called a representative. I discovered that it is possible that this email is attached to my son 's myEquifax account. After speaking with the representative, he tried to send me a link to reset my password. At this point, I do not know who owns the XXXX. To make matters much, much, much worse, the representative sent an email that XXXX XXXX 's email has been changed to XXXX ( no problem XXXX but then sent another email that XXXX XXXX 's email has been changed to XXXX. XXXX is not owned by either of us. This is very troubling because I did not authorize any change to XXXX XXXX 's account. This is a violation of his privacy. 

I spoke to XXXX, supervisor id XXXX. She could not help me with this problem. 
At this point, you XXXX XXXX XXXX XXXX and XXXX as account logins from your system. This is the only way that I can be assured that no one can access mine or my son 's information by using these logins. 

At this point, I never want to use the myEquifax system again and want absolutely no way that anyone can access our information by using logins XXXX or XXXX. I have attached the emails that were sent to me when speaking with your representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Regarding dispute # XXXX I will continue filing complaints until the institution responds as to why this claim is being denied pursuant to the Electronic Funds Transfer Act ( issue stated below ) : " Liability for Unauthorized use of ATM and Debit Cards If you have lost your ATM or debit card, or if it has been stolen, it is very important to notify your bank as soon as possible. By doing so, you will minimize the amount of liability you will have for any unauthorized use of these cards. In the case of ATM and debit cards, the Electronic Fund Transfer Act sets forth the rules. Under the EFTA, your liability for lost or stolen ATM or debit cards is : {$0.00} if you are able to report your lost or stolen ATM or debit card immediately and before the card has been used ; {$50.00} or less, depending upon the amount that has been used, if you report your card lost or stolen within two business days ; {$500.00} or less, depending upon the amount that has been used, if you do not report your card lost or stolen within two business days, but you do report it within 60 days after your bank statement is issued that shows the unauthorized use ; or Any amount if you fail to notify the bank of your lost or stolen card within 60 days after your bank statement is used that shows the unauthorized use. 
If your bank or financial institution claims that you are liable for unauthorized charges or withdrawals that exceed {$50.00}, it must be able to show that the additional loss ( past {$50.00} ) would not have occurred if you had given timely notice of the missing card. '' Conflicting prior responses regarding submission of additional requested documentation in the form of a police report are not relevant to the EFTA requirements. Institution stated claim would remain open upon submission of report. Report was submitted to institution. Institution then stated report was not submitted in time. Institution is now on record as denying claim based upon internal procedures and not EFTA legal reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2022, I submitted a payment to Apple Card for {$3700.00} to cover XXXX college classes. The classes were cancelled, resulting in a refund to our card. At the time, the card had an approximate balance of {$1100.00} and an installment balance of {$760.00}. I was told by Goldman Sachs representatives that I could request a transfer directly to my checking account for the remainder after the card balance was paid. On XX/XX/2022, the card balance was paid & {$1200.00} was transferred to our bank account. {$760.00} remained as a credit on our card. I was told the installment balance could not be transferred electronically & would be sent by paper check. I never received a check. Multiple, multiple times I was told the money would be sent to me, then told the request was denied. I talked to customer service, supervisors, and managers. Apple Card violated their installment agreement by forcing me to pay the installments off early by holding the refund hostage. Since the card balance was not exactly XXXX, the app would not let me pay anything other than the monthly balance towards my installment. The credit just sat there, unable to be applied & unable to be refunded. All subsequent purchases would then be automatically paid off by the remaining almost {$700.00} credit. Goldman Sachs would not apply the credit to my installment because they said it would violate my installment agreement, but they forced me to pay the balance early by holding my money. I was advised by Goldman management to try closing the card to force the payoff- but closing the card still kept my money in a holding pattern, still making monthly payments for XXXX  years. I had a credit line of {$9500.00} before closing & after reopening it dropped to {$6500.00}. I even considered returning the watch to get my money back, but Goldman could not guarantee the refund would not go back on the came card I had closed as a credit. Apple claims they can not help because they do not manage the Apple Card. Goldman Sachs can lie & mislead with zero accountability - every action they take they feel is justified, even after apologizing for what the were putting me through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: GA
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:
I contacted Equifax on XX/XX/XXXX and made them aware of inquiries on my credit report that I did not authorize and are a result of fraud. The inquiries and dates are as follows : XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have an active fraud alert on my consumer report with Equifax and I extended it for another 90 days in attempt to prevent any further fraudulent activity. I also submitted a police report to accompany my claim, which I have included with this complaint. The report contains information that proves my personal information was compromised. I received correspondence from Equifax stating that the fraudulent inquiries still remain on my report. I am very upset that my personal information is being mishandled by Equifax and I should not be held accountable for a fraud related situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
found out that I had a deferred amount on my mortgage in the amount of {$69000.00} of to which I believed that I had paid off my loan with the last payment which was in XXXX of 2021. The company sent me several letters saying I was late. They even filed a complaint with the credit departments. I was told by Specialized Loan Services to get a loan to pay off the deferred amount. I check with the company that they suggested and the name of that company is XXXX XXXX. The man that I spoke to told me about the credit ratings and that I could not apply for a loan. The amounts that they complained about made no sense to me at all. So here I am stuck with {$69000.00} to pay and no way to get the money to pay. I would like this to be stricken from my credit rating and not have to pay them back. Pleas help me.

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 2022-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX  starting XX/XX/XXXX, they've taken {$20000.00}. I googled credit help, and their site seemed to good to be true. After doing a phone consult they said they'd save me money. They told me to stop paying my credit cards and that they'd take care of everything. So with all my debt, and the banks not working with me in financial hardship, even though i've paid on time for almost 10 years. I trusted XXXX XXXX being a company, and stopped making my payments. I never saw the actual " settlement agreements '' until XX/XX/XXXX when I couldnt figure out where my money went. Bank of america filed me in court ( XXXX ) and XXXX  XXXX, I submitted those to XXXX XXXX, asking what do i do after recieving a summons, they said i didnt need to respond if i didnt want to. I did the first reponse, and trusted them there after. XXXX XXXX paid bank of america and their settlements XXXX $ and none of that was applied when collected was put against me. I trusted them to help me, and on top already losing more money with them, i have court charges on me that they are not helping me with nor tried to help me with. the Court charges are XXXX $ and XXXX , they said if i stop making payments to them i'll lose more settlements. in which i recieved 1099c.

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 2016-11-22
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Servicing of my mortgage was assigned to a temporary servicer pending completion of the paperwork for the investor to acquire it. The investor took possession and assigned their servicer before the first payment was due, but the temporary servicer continues to send monthly statements, late statements, and collection letters despite several hours spent on the phone with their collections and customer service groups, and a formal inquiry to their research department. I have made all required payments to the investor, but the temporary servicer refuses to contact the investor who owns it, and has spent 30+ days without contacting the originator. 

I have also been informed by the temporary servicer that it is my responsibility to acquire the documents they are missing ( including servicing transfer notices ), provide them contact information at both the investor and originator, and fax them documents regarding the transfer of my mortgage. Even after providing them with the name and phone number of the secondary market contact at the originator, they told me it would be 15-20 additional days at a minimum before I should expect them to attempt to resolve this, even though they are sending notices attempting to collect 2 months of payments and I submitted a formal inquiry a month ago to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: JPMORGAN CHASE & CO.
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019 to XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Vanderbilt Mortgage and Finance INC keeps listing a fee of {$15.00} and refuses to tell me why. Email responses have been vague. They copy and paste the late fee description from the website or deny that my email is associated with my account ( where they send email notifications when my statement is ready ). My payments draft and clear well before being late. Their late fee ( as listed on the monthly statement in the breakdown of fees, in the event that a payment is late ) is listed as {$20.00}, not {$15.00}. But still they ignore my requests for explanation of the charges. While we were trying to recover from the debt that losing our jobs to XXXX XXXX, they emailed and called me almost every day, but now all of a sudden they don't know who I am. I have been current and on time with my payments for months, a month has passed since my last email and I just got another statement with a XXXX {$15.00} charge. The email where they ask for my account information is a response to an email I sent via my online account where I pay my mortgage. They have access to all my information. When I responded directly they changed from calling my by my name ( Primary on the loan, the one who pays every month since the begining of the loan ) and started calling me by the cosigners name. At this point they copied and pasted the late fee statement from their website. But if you look at the statements it is not a late fee, it is a past due balance despite no late payments at all and no other reason for this fee. In some statements it says copy of contract, but I have never requested a copy of any contract, and they did not reference that when I reached out, just copy pasted a late fee text.

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 2016-07-22
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I gave XXXX XXXX a notice of vacating the property on XXXX/XXXX/15 due to him creating and allowing a hostile environment where I was being discriminated against due to religion, gender and ethnicity. His tenant moved from their patios to the apartment entrance to harass my nephew and hung around in front of my door to intimidate me because they wanted me to move ; they were XXXX or XXXX men which scared me. I filed complaint with XXXX and he sent a bill for amounts not owed, He allowed his contractors to damage my chairs and never notified me of any repairs being done to the bldg. He put materials in front of my patio door causing me to fall XXXX and I have XXXX and health problems. When I moved in I had to clean the apartment due to roach mounds,, mold and mildew everywhere and coming through the paint. There were all sorts of insects like bedbugs, ants, roaches, spiders and bait coming inside the apt XXXX Workers with keys entered my apt while I was out and left clues to being there including leaving the door open. The contract said the notice had to be given 60 days before move out and on or before the XXXX of the month. I gave him the notice early so that he would be aware of the move and circumstance. He wanted me to give him the notice after 2 more weeks passed which I talked to him personally on the XXXX about this. So, he was given written notice and verbal notice of my move out. He charged me {$1000.00} for failure to give notice and cleaning expenses. I did what he asked, but he retaliated. I called the XXXX police about the incident and he said that he would do nothing without a restraining order, but he made sure he called the police on visitors that I had and you can check the record -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX GA XXXX. He would stand in front of my door every time he came into the complex which stressed me, because it was intimidating and said that he knows everything that was going on in the complex. His demeanor and actions reflected that he wanted me to move and the people in XXXX XXXX & XXXX made sure that I was n't welcome with their actions. I followed what he told me to do, but the fact that he owed me for the chairs means we break even.

Company response to consumer: Closed with explanation