BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a construction to perm loan with Ameris Bank. On XX/XX/2022, Ameris Bank, denied a rate lock highlighting that my employment status was : 1. unverifiable and that 2. length of employment was also unverifiable. The rejection letter also erroneously indicated a. ) serious delinquencies b. ) number of accounts with delinquencies and c. ) derogatory public record relative to my credit file ( see attachment ). 

As such, a rate lock which I was told would be honored until a XXXX of XXXX  for new build construction loan was obtained was denied. This immediately follows the decision to no longer honor the terms of previously approved 30 year construction to perm loan at a 4 % conversion rate. Ameris bank indicated that XXXX related construction and global supply chain delays are an insufficient basis to honor terms ; no interest payments have been missed. 

My credit score ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX ; I am employed and currently earn 20 % more than when initially approved ( see YTD earning ). Initial loan amount of XXXX after construction build out is now XXXX M ( per Ameris bank appraisal ). 

This is my primary residence and I have not missed an interest payment. The aforementioned actions taken by Ameris Bank materially impact my ability to maintain my home. Ameris Bank has provided erroneous credit and employment findings in an attempt to force a first time home owner into a predatory style loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: IL
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, the following accounts/account numbers have violated my rights : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX CT IL XXXX Account/Reference # : XXXX XXXX. XXXX XXXX CT IL XXXX Account/Reference # : XXXX XXXX. XXXX DIST CT Account/Reference # : XXXX XXXX. XXXX DIST CT Account/Reference # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX 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 2022-09-19
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Member # XXXX, In regard to the continuing saga of trying to get XXXX XXXX market CD released, I have an appointment with a lawyer on Monday to try to have these funds released. I dont know what will happen, but if you get a letter from an attorney, you will probably turn it over to a large legal team that will stall this matter in court for ever. However I might not have any choice because of your lack of cooperation so far. I am hoping Pen Fed, worth XXXX, has the integrity to comply to this request of returning {$10000.00} to its rightful owner. 
We have been trying to get this money released since XXXX. 
To date at you or someones request we have provided PenFed with 2 XXXX, because the first one was not good enough. A letter from XXXX asking for her money, then the same letter notarized. Since her address and phone number are no longer valid, one of your associates wanted to talk to her on the phone from her bed in the rehab center. That got the money transferred to another account which does not help. We have provided your forms ; XXXX Agents Affidavit, XXXX, and Statement of Indemnity, XXXX. You have even been contacted by XXXX XXXX, an organization helping me to apply for Medicaid for XXXX. 
Your last email said that you wanted to review the XXXX, which you received on XX/XX/XXXX. If you have taken the time to do so, it has been a month since it was received by you. 
XXXX at the age of XXXX, fell in her apartment on XX/XX/XXXX, she had a XXXX XXXX and has been in a hospital or rehab for about a month and now because of accelerating XXXX, has been placed in a memory care facility, nursing home for the rest of her life. She is no longer able to communicate with you. 
In order for her to be accepted by Medicaid, she needs to exhaust all of her assets. She is in desperate need of these funds to continue care. I am appealing to you one last time before I meet with the attorney

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 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My banking account was hacked and money was stolen from my account and the banking company did not help in any way, they cut off access to my funds and so I have no way to pay for anything including my rent. So instead of helping me do banking and get my money back they cut me off from my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've had a conventional mortgage with Wells Fargo since XXXX. In XXXX I refinanced my mortgage utilizing the HAMP program which required I keep an escrow account to pay for annual insurance and property taxes. In XX/XX/XXXX during the Covid-19 pandemic I enrolled in the mortgage forebearance program deferring my mortgage payments for 6 months. At the end of the forebearance program Wells Fargo required I repay the missed payments which totaled almost {$10000.00}. I could not repay the missed payments but I did resume paying my monthy mortgage payments including escrow account fees. In XX/XX/XXXX I repaid all the payments missed from when I was in the forebearance program. In XXXX of XXXX I made a large payment, {$50000.00}, towards the loan principal reducing the loan principal balance to around {$53000.00}. I also asked Wells Fargo to eliminate the requirement I keep an escrow account. On XX/XX/XXXX I received a letter from Wells Fargo telling me they would not eliminate the escrow account requirement because I had allegedly missed payments. I called Wells Fargo to inquire the dates of the alleged missed payments and they said it was during the approved forebearance period. I argued the payments missed during the forebearance program were approved and should not be considered " late. '' Wells Fargo disagreed and considers these payments " late. ''

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 2022-06-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have never had a late payment in my student loan for over 10 years and the XXXX company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for XXXX to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My balances are incorrect my credit age is not reflecting! Reported Bad payment history is incorrect. Im unable to dispute online. This is Seriously hurting my credit as I am a XXXX XXXX XXXX  Veteran Attempting to purchase a Home.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 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 2022-04-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My balances are incorrect my credit age is not reflecting! Reported Bad payment history is incorrect. Im unable to dispute online. This is Seriously hurting my credit as I am a XXXX XXXX XXXX  Veteran Attempting to purchase a Home.

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 2022-07-28
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I sent two {$500.00} amounts on ~ XX/XX/XXXX and ~ XX/XX/XXXX to my savings account with Citi. However, I had not realized that I could not access the account after XXXX. The issue, they say, is that I need either a paper statement or a Citi ATM card to access my account. Previously I could just use the Android app or the web site, but I could no longer access either without the ATM card. This seemed to occur after I closed my credit card, which apparently gave me access, even though it was not the ATM card associated with my savings account. However, I never received my ATM card, and paper statements are not mailed to me ( I receive lots of spam from Citi, however ). I learned all this from the XXXX XXXX, XXXX XXXX, representatives who I was forced to deal with once I no longer had the credit card. When I had the credit card, I had full access to both accounts. There are no Citi offices in my state. 

I sent a certified letter to the address I was given on XXXX. This letter has not been delivered, but has been sitting in a XXXX XXXX mail hub for at least 14 days. Citi apparently does not allow certified mail to be delivered. Frankly, only crooks act this way. The postcard attached to the letter was put back into the mail, but it was not signed. 

Today ( XX/XX/XXXX ), I sent the same letter, with a new date and Postscript, via regular mail to that same address. 

I am staggered that this could possible occur. I could not imagine doing business with this company in the future.

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 2022-09-19
Company: Monarch Recovery Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Monarch Recovery Management Incorporated on several occasions to obtain a receipt of payment for a debt with XXXX XXXX. They keep sending me a receipt saying that " in the event that your funds are returned unpaid by the bank, this letter will be null and void. '' I need a letter indicating that the debt was settled and that they have received their funds. These folks were paid over a year ago. 

I called again today and spoke with the same supervisor and she says that this is the letter that is created by them. She could not send me a letter without that statement attached to it. She told me that I was welcomed to file a complaint with your office. 

I have to wonder if they are a legitimate company since my credit report still reflects the accounts as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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:
Equifax is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Equifax a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Equifax has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX I do not recognize these hard inquires from my credit report. I am a victim of Identify theft.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB + XXXX + Experian + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint

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 2022-06-24
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I filed bankruptcy and got XXXX in XXXX of 2021 and my mortgage payment still does not report to my credit report. And I'm getting the run around about who problem it is.

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 2022-04-24
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my account with a balance of over {$1000.00} available when I demanded my monies returned they asked for identification verification wich I did above and beyond what was requested i XXXX driver license birth certificate social security card even sent picture with me holding all identification documents to be told Im ineligible for a refund. So the down side to internet only banks is theres nowhere to go to even attempt to recover my money in addition I had charges that were not authorized so immediately following my request for a dispute account closed without explanation besides I violated terms wich upon request of explanation was told they have the right to terminate our relationship at will but withholding my money can not be legal please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted XXXX XXXX XXXX XXXX on several occasions to obtain a receipt of payment for a debt with Synchrony Bank. They keep sending me a receipt saying that " in the event that your funds are returned unpaid by the bank, this letter will be null and void. '' I need a letter indicating that the debt was settled and that they have received their funds. These folks were paid over a year ago. 

I called again today and spoke with the same supervisor and she says that this is the letter that is created by them. She could not send me a letter without that statement attached to it. She told me that I was welcomed to file a complaint with your office. 

I have to wonder if they are a legitimate company since my credit report still reflects the accounts as a charge off.

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 2022-06-24
Company: QC HOLDINGS INC
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called by an unnamed " collection '' agency that claimed I took out a XXXX XXXX loan in 2014 from a company called QC holdings. They knew my full social, and address, however they used a former last name. The debt has since allegedly been procured by the company, who refused to give me any information at all, other than if I didn't pay it over the phone it would be much worse in court. I have since checked my credit history to be 100 % sure and no such debt exists. I called the company back telling them they were fraudulent and got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received an adverse action notice from XXXX on XX/XX/22. 

I made a several phone calls to LexisNexis in an attempt to obtain a free copy of my consumer report. 

First Call - Disconnected Second Call - Disconnected as well Third Call - Rep says my identify can't be verified. Gave me a strange website to use I did not trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Consumer Adjustment Company Incorporated
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I seen a collection on my credit report to a company that I did not use since XXXX and shows all paid. And now I have an acct showing on my credit report from XX/XX/XXXX which I did not open. I have tried to dispute but I don't see any changes or explanation on the report from results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: RateGenius Loan Services Inc
State: NC
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:
Was sent the following text from rategenius, I have never applied for credit or refinancing with rategenous. How did this company get my credit information and private number which is not listed. This is credit fraud! 

Hi from RateGenius! We got your auto refi application ( App # XXXX ). We will review and reach out with next steps soon. XXXX Reply STOP to unsubscribe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
See XXXX. You closed my case vs. BAC but it kept my money. Its reason was that since it had lost my signature card ages ago, the account was theirs. Your agency accepted that. I have not received a bank statement re my {$3500.00} since you closed the matter. It is not my fault they lost the card. 

XXXX XXXX XXXX XXXX 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