BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Quicken Loans mailed me a notice that claimed I was prequalified to refinance my home mortgage. ( My mortgage is currently with another lender. ) The notice claimed " You 're already prequalified to refinance your home loan at a low, 30-year fixed interest rate of 4.125 % ( 4.273 % APR ). This lower rate could reduce your monthly mortgage payment to {$1500.00}! '' The claim clearly indicates that my current mortgage rate is higher than their rate and that my monthly payments would go down with this refinance. They even mention my current approximate mortgage balance in the advertisement which gave me the impression that they have my current loan information from my recorded mortgage or credit report. However, my current mortgage rate is much lower ( 3.25 % fixed for 30 years originated in XXXX 2012 ) and later in the fine print they also planned to charge me 1.75 % in points to get their higher interest rate. The P & I payment they quote of {$1500.00} is slightly lower that my current P & I payment of {$1500.00} but they are re-amortizing my current balance over a new 30 year period to achieve that $ XXXXmonth savings! This refinance would cost me considerably more interest over the term of the loan despite the lower payment. Clearly, their claims are not in my best interest and are deceptive ; particularly, their claim that they will lower my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted TransUnion Credit reporting agencies for the last 5 months over and over again with dispute after dispute. They, ( CSR ), are so in the habit of telling you what you ca n't dispute on the report or telling you what wordage you ca n't use to dispute, or just telling you that you ca n't dispute. When calling in, I am always transferred to CSR 's outside of the country who are not informed of the new laws regarding credit reporting.
The new laws installed  XXXX   XXXX , 2017 CDIA new credit reporting laws are not known to any of the CSR 's I have talked to. I inform them of these laws, and since they have not been made aware of them, they really do n't help at all. The new law is the new criteria set for reporting civil judgements, bankruptcies and tax liens. If these criteria 's are not met, the item has to be removed from your report. I had problems with even management when it came to understanding this law because they never heard of it. I offered to send them the information stating these laws. I spoke to manager,   XXXX   XXXX   at Transunion and she gave me her fax number to receive the news letter. Even after she read these new laws, she refused to adhere to them. I have the problem with the bankruptcy criteria that has not been met with reporting it to Transunion.   XXXX   XXXX   stated that although the criteria is not met, the item has to stay on my report. She SAW, the information in writing and STILL refused to help correct the situation.   XXXX   XXXX   stated that she saw the criteria on my report that the new law stated and I told her I had a copy of my report and it was n't there. She stated, " she saw it from here end and I would have to get a sapena to see what she saw '' ). So, I sent faxed her a copy of my report to show her. She did not acknowledge my report was correct. EVEN MANAGEMENT REFUSAL TO HELP IS ASTOUNDING! Within these 5 months I have been disputing, I have n't gotten any positive help from the people working for Transunion. I have disputed : address changes, inquiries, derogatory items reported and public record reporting. They do not offer help, they offer discouraging words, the sorry I ca n't do, the sorry you ca n't do. They are in the business of refusing to help rather than helping.

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 2022-01-04
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information

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 2016-05-18
Company: Timothy C. Runyan, P.C.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX in XX/XX/XXXX with a XXXX debt.a firm purchased it and sued me while in XXXX.I was given something to sign by a guard.was n't given a chance to read it, ask questions or anything.did n't receive a copy.only legal advice I got was guard saying it would n't matter by the time I got out.when I got out in XX/XX/XXXX.I got a job and suddenly my wages are garnished.me nor anyone else had any idea that firm had been charging twelve percent interest the whole time.no attempt was made to inform anyone of anything.I panicked at the garnishment and made a deal for weekly payments.I 've been paying every since.they 've collected twice the original amount and I still owe.I feel the way they handled the situation was sneaky, underhanded and just wrong.it 's hard enough for an ex felon to make a living without this.I need insurance, dentures, my kids need help but any money I have is going to the firm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Professional Placement Services, LLC
State: FL
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:
O n  XX/XX/XXXX  I open ed a dispute with   XXXX   regarding medical collection accounts that are not mine. I am a   XXXX   veteran who gets medical care from the Veterans Administration. I also contacted the company, the DOB does not match me, neither does the SSN. I requested copies of the alleged bills - they were not provided as it would violate the individuals privacy, the one the bills did belong to. The dispute came back as verified, I appea led on   XX/XX/XXXX . This makes no sense, I can not get copies of the bills because the information does not match me, but it stays on my report anyway. I lost the appeal, said verified again. I contacted the company again, still refuse to provide me the bills because my SSN and DOB do not match the data. The company is Professional Placement Services. Date of service is unknown, but appears to be  XXXX . There are  XXXX  accounts,   XXXX   for {$320.00}, then  XXXX  others at {$100.00} each. I have that listed on my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information

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 2017-07-18
Company: SUNTRUST BANKS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a SunTrust Cash Rewards XXXX with a {$21000.00} limit. It has not been overlimit. Since XX/XX/XXXX, during a single billing cycle and statement period, I made {$9600.00} in payments and {$58.00} in purchases, and while the balance reflects all the payments, the {$9600.00} paid only shows as {$6500.00} available credit. There are no pending charges and no automatic payments on this account. Where are the {$3000.00} missing from the account? SunTrust ca n't explain it and it does n't publish charges. There should n't be interest Charged against these payments since it 's inside one statement period.
My most recent cash payment of {$2000.00} on XX/XX/XXXXyielded just a {$990.00} increase in available credit. The bank does n't disclose what it 's doing with 34-50+ % of our payments, it just shows an {$11000.00} balance on an account with a {$21000.00} limit that has only {$6400.00} available credit. Where did our {$3000.00} go? SunTrust wo n't tell. I 'd expect this kind of deception from someplace like XXXX, and am sorry to see that SunTrust treats customer 's the same 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 explanation
Consumer complaint received 2022-01-04
Company: Netspend Corporation
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was in jail from XXXX til XXXX after I got I found out my ex roommate had gotten ahold of my card and stolen {$2700.00} from my NetSpend account. Also she stole from my XXXX account too. Now I talked to NetSpend and the corporate office they kept denying my dispute then they said they needed something stating I was in jail. Well I was in the XXXX jail on the reservation and right now they have limited staff and are even letting people out of jail because of this new coronavirus. Well I called the jail and explained and they told me that my probation officer should be able to get something saying how long I was in jail for as they are understaffed right now so I called my probation officer and she said she can get a generic jail release form for me and send it to XXXX and NetSpend. Well NetSpend wouldn't take it because it as they put it official well my probation officer left her number if they had questions but they still denied me and XXXX well they kept denying me til I got a email the other day stating my account with them is frozen and then a couple hours later a email stating it's suspended. And with XXXX they denied me because it said it had been over 180 days and I had two statement cycles to have had reviewed the transactions well I couldn't I was in jail. I filed complaints with these companies on XX/XX/XXXX. Now i don't know what to do NetSpend and XXXX denied my claim I'm a single mother i went to jail for my 6th driving under suspension and I have no money. My ex roommate wanted me out. My 5 yr old daughter got a chocolate bar for XXXX since I couldn't afford anything else. It's not right or fair that someone can rob a person and then have their so called banks deny any claims filed. XXXX told me to get a lawyer if I wanted well I can't afford one. Both XXXX and NetSpend customer service gave me trouble hanging up on me and bring rude. I need help with getting my money back please. Also NetSpend said because they wasn't changed and all the transactions were in the same town and stores I've used my card at before that's why it was denied well my ex roommate knew my pin I had in the past sent her to store or whatever to get me somethings so that's how she knew my pin and of course it's in the same town we lived together and there isn't a whole lot of stores there so yea kinda messed up but I'm hoping you guys can help me out please and thank you

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 2017-07-18
Company: Prosper Marketplace, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
We were paying off the loan I looked at the web site I think it was  XXXX - XXXX -17 to get the pay off which is an option on the payment screen. I mailed a check the next morning for that amount of {$14000.00}. I also sent an email to Prosper to let them know this was the pay off amount of that day, and on the check I wrote payoff amount on this date. They received the check on  XXXX / XXXX /17 but still charge me {$31.00}. I then again sent a email  XXXX / XXXX /17 and spoke with someone at customer service and she told me I need to pay this amount because it still charging interest. I payed this about and they would speak with their manager to get it refunded. On  XXXX / XXXX /17 they sent me this email Prosper Client Services ( Prosper Marketplace Support ) (  XX/XX/XXXX ,  XXXX  PDT Dear  XXXX , Thank you for contacting Prosper.
Mailed in payments can take 7-10 business days to process. in addition, same day payoff quotes are valid only for same day. Therefore, a refund of the {$31.00} in interest will not be issued. As, there is no Prosper error.
If you need any additional information or have any additional needs, please reply to this email.
Thank you, Prosper Client Services ) In all the loan I have ever had when you request a payoff it is good for so many day at that amount without interest still collecting. I know it is not a big amount I guess it is the point they should honor payoff amounts.
Thank you hope you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX has been on my Equifax Report for over 9 years. This violates the Fair Credit Reporting Act which states 7 years only. Equifax removed it 4 months ago because XXXX continues to submit intentionally inaccurate information so they can re- age the Account. The past year Equifax has reported there has been no payment history for 81 months. If you add 81 + 12 that is over 7 years. In addition XXXX has claimed I made payments in XX/XX/XXXX and XXXX of 2015. I did not and the balance has n't changed in 13 years. Equifax continues to report XXXX even though they know all of the details are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: EQUIFAX, INC.
State: GU
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A company called XXXX is showing up in my credit report I am not familiar with this company stating I owe XXXX. Showing fraudulent. I am disputing this. I need to get a hold of this company. I want to know why is there company showing up in my credit report. This is showing up in TransunionI have tried emailing and calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2016-09-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Incorrect reporting in my Equifax, XXXX XXXX, and XXXX.Credit report. They are reporting incorrect information and refusing to remove it. I have sent them Dispute letters and asking them of validation including plaintiff, Plantiff 's attorney, Creditors, amount, claims, assets, exempt amount, The exact date of filing. Trustee, who did they speak with They just send letters stating that they verified it with the bankruptcy court! That 's a lie, I contacted the bankruptcy court and they informed me that they DO NOT provide information to the CRA. Also they are refusing to remove chapter XXXX after 7 years. I asked how can there be a Chapter XXXX without plaintiff 's creditors, assets, amounts? They just say it 's verified. 
Your help with this mater will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On  XXXX   XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with  XXXX , and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCRA.   XXXX   and Experian allow for the dispute of inquiries, but neither do a reasonable and adequate investigation, both completing their " investigations '' in less than 24 hours.

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 2022-12-14
Company: CarMax, Inc.
State: AL
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:
Late Payments on my credit report. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I tried to log into Vet.gov and it sent me to XXXX which would not verify my drivers license or the questions they have on their website. They told me that, Experian, a credit monitoring agency had not enough information about my date of birth. I called Experian and all they did was give me a hard time instead of correcting the problem. They only had my year of birth only but not my day and month of birth, and they would not correct the problem. But I also question why is a Veterans Administration 's  government website Vets.gov and XXXX using information from a a credit monitoring agency, Experian, without my permission. This needs to be investigated.

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 2017-07-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money Was Taken Out my account and i wish it wasnt. It left me in the negative

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 2017-07-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon initiating a mortgage with Santander Bank I forwarded tax bills to their mortgage servicing department. Santander Bank did not pay my real estate taxes in a timely manner resulting in a {$1000.00} penalty by my township. To date I have made approximately 18 calls to resolve this issue to the tax department and mortgage department but they refuse to return my calls or resolve this issue. The last conversation was with   XXXX   XXXX    XXXX . I have left her repeated messages and she has not returned my calls.

Company response to consumer: Closed with explanation