BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: UT
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:
2021 SOMEONE RENTED AN APARTMENT WITH XXXX XXXX XXXX IN UTAH FRAUDULENTLY IN MY NAME WITHOUT MY CONSENT. 
NOW EQUIFAX CREDIT REPORTING IS POSTING FRAUDULENT INFORMATION ON MY PERSONAL CREDIT REPORT FALSELY. EQUIFAX IS IN VIOLATION OF MY FCRA RIGHTS. 
THE XXXX XXXX XXXX ACCOUNT IS NOT MINE, I NEVER OPENED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Suntrust. I lost my job, and I can not reach Suntrust to request mortgage forbearance under the CARES Act. I believe that Suntrust may be avoiding and evading its obligations under the CARES Act to grant mortgage forbearance to borrowers by deliberately making it impossible to contact the bank. 

Suntrust has : 1 ) hidden all guidance about mortgage forbearance on its website so that it is impossible to navigate to within its website ( I had to find it through an external search engine ) ; 2 ) failed to post on its website ANY accurate information about borrower rights under the CARES Act ; 3 ) required mortgage customers to speak to a phone representative to request forbearance, and 4 )  understaffed or non-staffed its mortgage customer service phone line so that it is impossible to speak to a representative to request forbearance. 

Yesterday, XX/XX/2020, I waited on hold on Suntrusts customer service line for two hours and 28 minutes, at which time the line simply went dead. No one answered, and I did not hang up Suntrusts system just ended the call. After two hours and 28 minutes on hold. 

Feeling desperate, I tried the line again tonight, XX/XX/2020, when Suntrust *says* it staffs the line until XXXX XXXX. It is now XXXX XXXX and I have been waiting tonight for one hour and 15 minutes, with no end in sight. 

So here is my question : who is checking to make sure that Suntrust is making reasonable efforts, or indeed any efforts, to enable borrowers to request forbearance on their mortgages? What if they just dont answer the phone, ever? What if that works out better for their business and they just dont care? I have to wonder.

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 2021-10-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to get a small business loan with my credit union and the underwriter told me I was not able to be approved not because of my credit score but because there is some collections on my credit. I dont know how I have collections I pay all my bill before they are due. I went to home and looked at my credit and I see 3 accounts on there that is not mine XXXX XXXX. XXXX XXXX XXXX XXXX. Im doing this by myself and I have also reached out to the FTC and the police here. I was told that you all can help me with 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 2022-09-11
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: Their investigation did not fix an error on your report

Complaint:
15 U.S. Code 1681eb Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2017-09-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In XXXX I went to pay my lease payment and my account stated it was paid for so I called XXXX telling them that a payment was applied to my act. They stated that it was paid and that I had an extra payment. I thought it was funny. I kept an eye on the account. When I got a bill by mail stating a double amount I immediately called and they said the payment was reversed bc it was applied to the wrong act. They apologized and I immediately made the payment. They indicated and they said its recorded that it was their mistake and that it will not be reported. Well I have my credit monitoring since I have good credit and they reported me late. I called them and asked them to check their notes, I have left messages, I sent them a phone call request through XXXX XXXX website, I have yet to hear from anyone. I have disputed this 2 x and they keep saying is correct. I even asked for the fax # to their legal department. I am not going to allow them to XXXX me like that after I am a single parent working myself with 2 jobs and making sure my debts are paid and on time. I do not know what else to do. Its not fair. I have cried because company like this one do mistakes and nothing is done and then they XXXX us up. 
I need this to be deleted out of my credit report, as this is the only thing that is on my report negative and it was not me, they should be able to teach their employees how to apply payments to the right account and on my recorded call, I told them are you sure they said yes, they are sure. I need help. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
CONSERVE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXXBalance : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Regarding Shell Account # XXXX and XXXXAccount is issued and serviced by Citibank.N.A XXXX XXXX XXXX XXXX , SD XXXX. 
I wrote a letter to the company last XX/XX/XXXX requesting a " goodwill '' adjustment to my credit report because I believe my Shell Credit card report is inaccurate. Both credit card was under a payment arrangement I requested XX/XX/XXXX, the time of my hardship losing my home and then abandoned by my husband left with mortgage, other debt and credit card payment. The agreement was automatic deduction from my CITI bank checking account in the amount of {$67.00} and {$27.00} every month for 9.9 % APR for 5 years. And when the LAST PAYMENT is due in the amount of {$10.00} they did not debited it from my checking account and resulted the negative remarks in my credit report as delinquent.How and Why is the last payment not automatically generated debiting my checking account causing all the trouble .Also, I was contacted and harassed many times a day and at work and even when the payment was made, the calls continued for many more days not until I called them back which the person who answered said that it is a computer generated call that will not stop until it is corrected. Their customer service were very poor in regards to listening to the complaints and resolving issues including their supervisor that can not answer my questions and just transferred me another person w/o informing me first and you 're back to square one in explaining your issuel.. The very sad thing is the report lasted 60 & 90 days delinquent which Im not aware until I applied for a mortgage loan after long 5 years of struggle with my debt resulting to dropping my FICO score and then rejected to get a loan. It is very unfair that after 5 years of paying in good faith, they will destroy again your life due to computer generated billing that poorly monitored and a system that last payment in an automatic deduction from your bank can cause your life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 Milestone Credit Card company closed my accounts without gaining a verbal consent from me and refuses to reopen my account and is holding my available credit. 

Employee name XXXX XXXX ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: Thrivepoint Financial Holdings, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called Renovate America today to check that they had received my payoff check. In the process I found out that are trying to charge me ~ {$650.00} in late fees/interest. I missed 0 payments and was on time with all my payments for the life of my loan. The initial rep I spoke to was incredibly argumentative and not helpful in explaining what was going on. The supervisor suggested I send an email explaining the situation. I sent the following email. 

I was supposed to close selling my house on XX/XX/XXXX but due to the current global situation we were unable to close until XX/XX/XXXX. I closed on my new house on XX/XX/XXXX in the afternoon, escrow cut checks on XX/XX/XXXX, and I did not receive the payoff checks from escrow until Tuesday XX/XX/XXXX. That same day I sent checks second day air for a personal expense of ~ {$30.00}. I missed 0 payments and was on time with all my payments for the life of my loan. I would very much appreciate if we are able to waive the charges and close my account. 

Their response was your contract says this ( buried on page 2 paragraph 4 ). Which is why you were charged the amount. This type of charge was not described to me at point of sale or when I called them about a payoff quote 3 weeks before. It feels like a total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
WE ENTER INTO LOAN MODIFICATION ON XXXX MORTAGE WITH BANK OF AMERICA IT WQS MADE XXXX ON XXXX WE HAVE NOT MISSED A PAYMENT. XXXX WEEKS LATER WE GOT A ANTHOER SET OF THE SAME PAPERWORK HAD DONE BEFORE IT WAS ACCEPTED, MIND WE DID THIS 4 TIMES BEFORE THAT DAY IT WAS MADE PERMANMENT. I CALLED MY CASEMANGER XXXX XXXX SHE SAID IT WAS A MISTAKE AND THE PROCESS WAS DONE SINCE THE BANK SIGNED OFF ON IT SHE SAID DO N'T DO ANYTHING I RECIEVED A FROM HER XXXX WITH THE SINCE IT WAS ACCEPTTED I NO LONGER HAVE A CASE MANGER. WE HAVE NOT MISSED A PAYMENT BANK OF AMERICA IS NOT CEDITING MY ACCOUNT OR REPORTING MY PAYMENTS TO CEDIT BUREAU MY CEDIT REPORT SAYS I 'M NOT PAYING AND BOA SAYS I HAVE TO GO THROUGH THE WHOLE PROCESS AGAIN. I MADE MY PAYMENTS EVERY FOR ALMOST 2 YEARS AND NONE OF IT HAS COME OFF THE BALANCE. I WHEN THE HOME OWNERSHIP PROFRAM XXXX AND XXXX XXXX XXXX TRIED FOR 1 HOUR TO SPEAK WITH SOMEBODY AT BOA AND GOT NOWHERE HIS PHONE NO. XXXX XXXX HE TOLD NE TO FILE 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 explanation
Consumer complaint received 2017-05-23
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: Account status incorrect

Complaint:
There are many mistake in my report, I have never paid late these accounts :  XXXX   XXXX    XXXX     XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX    XXXX   XXXX   Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX  Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Lending Club Corp
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a rent-a-bank ( XXXX ) in an attempt to give its loans an appearance of legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: BMW Financial Services NA, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The car has been reprocess, I was try to resolve the problem due to the financial hardship with the XXXX XXXX  and work a few day sometimes pay the rent and not enough to pay to car, was contact them since the California has push the payment and people who is struggling to pay till the XXXX XXXX XXXX XXXX XXXX XXXX. The BMW wasnt assist at all, they were repo my car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I wrote a validation of debt letter on XX/XX/XXXX it had been 60 days and I still haven't received a response for XXXX  or Equifax. They have violated my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a tough time paying my lease payment lease due to transitioning into a new job role. I tried reaching out to the leasing company to rectify the situation, but to no avail. Most late payments were 30 days.5 times in XXXX, 5 in XXXX and once in XXXX ( 11 total out of 36 months )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
When it came time to repay my private loan Navient was completely unwilling to work with me on payments. More than $ XXXX a month is not affordable when that is pretty much all that you make. My co-signer just received Social Security now. We have XXXX loans reporting as delinquent monthly on our now destroyed credit with no relief in sight with interest ballooning the payments. I wish they had just never given them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
XXXX, MD XXXX XXXX XXXX, 2016 Manager CBR Department Macy 's Inc. 
XXXX, OH XXXX XXXX : Macys Amex account : XXXX Macy 's Card : XXXX Dear Manager : I have been a loyal shopper and upstanding card holder of Macys and CitiBank for quite a few years now. I have never been delinquent. I prided myself in having a credit score above that XXXX beacon mark due to my XXXX businesses, XXXX of which relies on my credit score to XXXX. I also have several mortgages for rental properties and real property I own outright. A vast port folio you can say. 
That being said, I usually pull my credit reports ( all XXXX ) every 3 months faithfully to stay on top on any issues that may arise. Needless to say I neglected to do so 4 months ago and so when I pulled it 30 days ago, I saw these credit accounts dangerously delinquent and the reason that I was told did n't make since. On around early part of XXXX I called customer service to find out why and spoke to XXXX, I believe, and he stated that the charges were due to residual interest. I had paid both of these account off 6 months ago and they both showed a {$0.00} balance on my XXXX account and Macy 's account. XXXX told me that he could not do anything so i requested a supervisor, manager, director, Vice President or President and told that I was willing to go up the chain of command to get this fixed asap. He stated that he would get a Manager to call me back but will On [ click to select a date ], I contacted Macys Credit and XXXX account via email and phone to request that my order be cancelled and my money refunded. Macys Credit and XXXX account would not agree to refund my money, insisting that the merchandise was on the way. n [ click to select a date ], I again requested that my order be cancelled and my money refunded, but I did not receive a response from the company. I have not yet received my order. 
I have enclosed a copy of the bill with the disputed charge highlighted, and copies of my email correspondence with Macys Credit and XXXX account. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter. 
Sincerely, 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 monetary relief
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans are serviced through Navient, and last year I consolidated my federal loans on an income-based repayment plan. The plan was supposed to go into effect in XXXX, yet I received a bill for over {$200.00}. As I was working full-time over XXXX hours a week, I did not have the time to call and clarify and did not want to be delinquent on my federal loans, so I paid. Same for XXXX and XXXX. When I called in XXXX, I was told that Navient had RECEIVED MY PAPERWORK, WHICH WAS IN PROPER ORDER, but had simply failed to process it. My father mentioned the story that ran on XXXX recently, and I realized that what Navient was accused of was exactly what had happened to me. While paying down loans is never bad, having surprise bills in excess of {$200.00} when you live paycheck to paycheck is massively inconvenient, and now that I realize that this was a deliberate action on Navient 's part, I am infuriated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have been a paid subscriber of XXXX for awhile, and these 2 collectin accounts are showing with no name & no address just a balance. I have challenged these accounts for several months with Equifax and they come back as mine as well as reported the accounts and Equifax to you the CFPB last month and Equifax said hey would  send coorespondence on XX/XX/XXXX and I never received anything! I called them 2 weeks later and they didn't know what I was talking about ... 

I am a victim of Idenity Theft I have contacted XX/XX/XXXXsenveral times and each time they say they will transfer me and the wait is always 30 minutes or more and they offer a callback and I never get one..

It is illegial for accounts to sh
ow without their own contact information and creditor name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Spring Oaks Capital, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear spring oak capital LLC Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692 ( g ). This claim is being disputed and a debt validation is requested. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I am merely exercising my right as a consumer. I would like to make note that the copy of the contract you provided never provided clear and conspicuous information in regard to my rights, my name nor is there any signatures provided. A contract should have two signatures. The documents provided does not bear any signatures. Where is the original application? In order to obtain any type of funding a person must complete a credit application. Where is the request for credit? 
However, I was never notified by Anyone that the contract has been in fact been sold to you. Please provide me with proof that I was made aware of the sale of the contract. I asked that you provide me with what was used to verify my identity. The documents provided are contradicting and confusing. They do not verify that this is my debt. Be advised that I have spoken to an attorney and they stated that Spring Oak Capital LLC is supposed to send a notarized document from the accounting department showing the accounting ledger. Yet I have never received such a document from this company. I am simple informing this company that this is not my debt and they refuse to investigate this matter and seems to be in violation of my rights. This is my last and final attempt to clear up this matter before I seek help from a judge. Please if you do the proper investigation you will find that this is not my debt.

Company response to consumer: Closed with explanation