BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
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:
XX/XX/XXXX Creditor : XXXX Amount : {$890.00} XXXX XXXX XXXX XXXX Letter sent to my parents home address in XXXX XXXX This is my US address and I moved to XXXX with my husband and family in XXXX Sent all documentation of proof of my XXXX address, Passport, Permanent Resident Card, Utility bills and followed XXXX ID Theft Claim Process as was advised Called all three credit agencies and out a fraud alert account Spoke to someone at FTC, but was not able to file a report or police report due to be in XXXX and no idea who has my Social Security number I was given information that the address was used XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX for the months of XXXX XXXX ( I have lived in XXXX, XXXX, XXXX XXXX and bought my home in XXXX ) XX/XX/XXXX spoke to XXXX and was told it was cleared up, however, it still appears on my credit agencies list of debts and is affecting my credit rating. 
XX/XX/XXXX Creditor : XXXX XXXX Amount : {$650.00} XXXX XXXX XXXX Letter sent to my parents home address in XXXX XXXX , I called XXXX XXXX and explained the situation, they asked me to fax over proof of my address in XXXX and ID documents etc, which I did. I also sent the XXXX information. 
XXXX XXXX made me aware it was the same address in XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought I had taken all steps to recify this situation. I was not able to file a police report. I do not live in the US. I live in XXXX and it has been XXXX. I have no idea who is commiting these crimes. I called all three credit agencies and the FTC and put all alerts on. However, in XXXX of XXXX, I just recieved a new collection notice. 

XX/XX/XXXX Creditor : XXXX XXXX Amount : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX A letter was sent to my parents house in XXXX XXXX in XXXX, XXXX addressed to me. 
I called XXXX and they made me aware this was the SAME address in XXXX ... this person is still using my Social Security Number for over 2 years to open accounts. 
They opened XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX. 
The address is XXXX XXXX  XXXX XXXX Unit XXXX, XXXX XXXX  XXXX I called XXXX and let them know. 

Can you please help me?? This is severly affecting my mental health. I want to cancel my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
me and my spouse are due to make last payment on our used car loan through Capital one, we set up automatic payment with our bank, and now they have sent a letter stating we missed our last payment, we have automatic payment set up with Capital one and yet due to internal errors within their auto-financing department they are causing our payment and our credit to be negatively be impacted by this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Intercoastal Mortgage LLC
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I filled a complaint earlier where the lender does not want to take any responsibility or try to help and resolve the issue. If anything they have been the opposite. what is my next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
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: Account information incorrect

Complaint:
I asked XXXX to investigate and not verify the account information with XXXX and XXXX XXXX which is Fraud/identity theft. I sent in a dispute via postal mail back in XX/XX/2019 with the identify theft affidavit along with a copy of my credit report, drivers license and passport. This information is still on my credit report when it should be removed due to identity theft. I also submitted a dispute online and received an immediate repsonse that they dont have to investigate my issue. I am disputing an account opened with XXXX and XXXX XXXX not the information on/in the account but the account itself. TransUnion is verifying the spelling of my name, ss, etc in their system matches what XXXX and XXXX XXXX has doesn't mean anything, of course it matches, they get the info from XXXX and XXXX XXXX every month. this is all ignoring the courts definition of verify / verification and who can do it and whats admissable.. sure, they arent in court but they can be and Id like to see those verification make it in. Pls remove both accounts immediately.

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 2016-05-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
We applied for a Home Equity Line of Credit with Fifth Third bank XX/XX/XXXX. On XXXX XXXX, XXXX we were advised by the Fifth Third, XXXX Branch Manager, that the application was in a holding pattern, but we had " conditional approval ''. We then verified, via e-mails with the Branch Manager on XXXX XXXX & XXXX, that once our XXXX property closed and we provided the closing statement, only a clean title search and property appraisal for our XXXX home was needed to close the loan. 
Our XXXX property closed on XXXX XXXX, XXXX. The appraisal on our XXXX property was completed on XXXX XXXX, XXXX. Then, in XXXX, XXXX we learned that Fifth Third actually wanted us to use the new line to pay off credit card vendors, thus insuring that Fifth Third bank would receive interest payments. This is when we also learned that our business and personal income had been understated because underwriting discounted a substantial amount of our income. Why after we were given conditional approval based on the sale of our XXXX property would underwriting now change the rules of the game by requiring us to immediately start using the line of credit and then inform us they inflated our debt to income ratio by discounting income? 
This process has taken way too long and we would like to move on. We have requested written notification from Fifth Third bank as to whether we are approved or not approved for their HELOC based on the information provided to them as late as XXXX XXXX, XXXX. We are not willing to provide additional information if they are going to arbitrarily discount income. If Fifth Third is willing to accept all income, we can provide documentation for a business car loan. 
In addition, we would like to better understand why a bank would require a consumer to immediately use a line of credit rather than offer us a lower line of credit? Fifth Third bank was going to require us to pay credit card vendors that they named rather than simply advise us that our debt needed to be reduced by {$30000.00}. Of course, we later found out that our debt to income ratio was inflated because our income was being deflated. 
We have excellent credit and simply wanted to acquire this line of credit while we were still in good health and able to work. This process has been stressful for no good reason and no one at Fifth Third bank will give us answers that make any sense. We are still waiting for written notification on the status of our loan as of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice of intent to sue and incur costs letter from mandarich law group llp.. I had to respond by XX/XX/XXXX ... I called then XX/XX/XXXX ( date ingot the letter ) via my lawyer, that I could make a payment of {$350.00} on XX/XX/XXXX, and a payment arrangement for the balance. We were told that was ok, and no lawsuit would go thru and to cb in XXXX to make the 1st Pmt and start the payment arrangement. I got a call from some random attribution lawyer I have no idea how he got my number, that mandarich sued me XX/XX/XXXX!!! They lied and sued even tho we had an agreement they wouldnt and accepted my payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
Since XXXX of 2020 my work was seriously impacted by the corona virus.I always made some sort of payment but was having a hard time as work was cut in half and my children were no longer in school. I feel these things should be taken into consideration and know that as soon as work picked up I was right back out there and making more than needed payments.

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 2020-01-03
Company: Brown and Joseph, Ltd
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is a debt that is not mine. It belongs to a business entity and was cancelled because they insured the wrong party/address and in wrong state. I asked them to stop calling me. They call and leave voice mails as if they are attorneys and never specifying that this is a debt collection/attempting to collect a debt. 

Collection Agency : Brown & Joseph , Ltd. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to Ditech I had since XXXX XXXX late fees. I ca n't understand how I would have late fee if I always if paid late sent in my mortgage with the late fee included. They decided to apply these fees how ever they liked and never reduced the late fee charges. If you look at my attached documents you can see approximately around XXXX of XXXX I started to send extra payments to catch up to everything and anything I was late in. I called customer service and they went over the statement and even gave me a breakdown of how I can pay everything in full so that the account can be up to date. From XXXX XXXX thru XXXX XXXX I made all the overage payments along with my regular mtg payments ( my mtg is {$1700.00} per month ). After I did all this, I continued to see that I had more money owed, in other words, my balance continued to increase instead of having my regular monthly balance that I owed each month. When I called again around XXXX XXXX I again asked them to give me the total to complete in full any negative and I once again did the same. This time they told me it was due to an escrow that forced on my account without me ever, ever escrowing in this account. When I thought I brought everything current ( which was a total in XXXX XXXX of {$4900.00} ) and made my XXXX payment I received another letter stating that the payment was a partial payment and that I owed them {$3400.00} and they would take legal action ( I attached those documents as well ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CU Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am currently enrolled in a debt consolidation program with XXXX XXXX XXXX, who has been wonderful to me. One of my accounts enrolled in the program is a personal loan from XXXX XXXX XXXX ( XXXX ). Today, XX/XX/XXXX, I was contacted by their debt collection agency, known as CU Recovery in Minnesota. The individual, XXXX XXXX, took it upon himself to contact my girlfriend and my girlfriend 's sister ( whom which I don't even have her number ). This, to the best of my knowledge, is not only extremely unprofessional and unnecessary, but illegal and not allowed by an agency. I have made payments to my debt consolidation perfectly for nearly a year now, and negotiations were already underway with this creditor. For this man to do this is unbelievably rude. Clearly, he had to do some serious digging to even get her number, which again I myself do not even have. 

In light of this, I would like to submit a formal complaint on CU Recovery and XXXX XXXX for this absurd action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is the 3rd time I requested credit freezes I did not ask for, be removed...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is the 3rd time I requested credit freezes I did not ask for, be removed...

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 2021-01-19
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions.

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 2016-01-07
Company: Diversified Adjustment Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling repeatedly from different numbers & when calling back the recording does not identify who the company is or what their purpose is. The debt they are trying to collect is more than I owed the company XXXX XXXX XXXX XXXX. I waited until the contract ended and paid the last bill, but XXXX had been giving me charges that were not comparable to other customers. They would not reason with me when charges were not owed. I feel that I paid XXXX more than what was provided as a service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a bank account at a bank that was closed about two years ago because of fraudulent activity done through my online banking which I did not do I want to get down to the bottom of it they said they did an investigation but never let me know now it's stopping me from opening an account at any other bank can you please 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 2020-04-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I had a meeting with XXXX rep and with the XXXX to go over my records from High school which had XXXX plan and recommendations. 
Discussion any accommodation would be honored and that teachers can assist me if needed help. 
I was pleased/ excited knowing XXXX XXXX would be there to help me accelerate in academically. 
Classes that attended Composition Writing essays Problem Solving was a math class which I needed assistance with math binary I reached out to the teacher. His response was really don't know this stuff. I never asked him for help ever. I was embarrassed and felt useless. 
STRATEGIES FOR THE TECHNICAL PROFESSION lab class to take a computer apart and put it back together. Reality not class needed since I was not building a computer or going into that kind of field INTRODUCTION TO PERSONAL COMPUTERS this was learning how to turn on/off the computer. How move a curser around. How to create an email. This was useless because at this time computers have been out over decade. 
OPERATING SYSTEMSINTRODUCTION TO COMPUTER PROGRAMMIN class learning components of a computer. Learning parts and where to buy them. I was not in the field of building a computer I felt they XXXX  to me about meeting my needs in the academic part and lack of support. I felt emotionally lowered my self esteem when I asked for help. 
Class being offered were meant for a XXXX technician or repair tech. Education offered did not match to the field/career I was aiming I filled out borrower defense application XX/XX/2020 Financial Department rep had all the paper work ready. Loans didn't cover all the cost. Arrangement was made for me to bring payments to the office lasted for few months. The rest were loans which I can pay after graduation up to 6 months. 

Never told me interest will still accrued if payment weren't made. I found out on my own nature of the loans and cost of the school would bring me into debt for life. 

Failed to inform me kinds of loans or interest if they were fixed or variable. Increments for each quarter was shown therefor wouldn't realize full amount of the loan. Didn't explain if they were Private or Federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2018-12-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought a car new in XX/XX/2012 using XXXX XXXX as the lender. A few months later, I received an offer from Santander to do a cash out refinance on the car. What I was not told clearly was how high the LTV would really be on this car after the refinance and my term would be re-extended. Furthermore, I have paid them over {$36000.00} on a {$19000.00} loan for the past five years and I still owe {$8600.00} and am current. This is a XXXX XXXX that has XXXX miles on it and a fatal recall due to oil assumption ( my car doesn't qualify for recall fix due to miles on it ) and now my engine is gone. The book value is {$1000.00} and the care is useless and I can't even finance another car till I pay of this {$8600.00}. This was a predatory loan given to someone who could never really have afforded this and did not understand the terms that were given. They should not allow high LTV 's and cash out refinances on cars that were only recently purchased with no money down. The LTV on this loan was over 125 % at the time. I had no idea what that meant. This should be against the law. I did speak with the office of the president about it awhile back and he tried to give me a modification to extend the loan again with no real lower interest rate. Unreal! I am going to try to scrape up the money for an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a identity theft report twice to XXXX, Equifax, and XXXX and these fraudulent accounts and inquiries are still being report, I am a victim of identity theft I demand these unauthorized items be deleted.

Company response to consumer: Closed with explanation