BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX  Account Number : XXXX Delete account for failure to failure to perform an investigation 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$6000.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$600.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report.

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 2016-02-15
Company: CITIBANK, N.A.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX I opened a Home Depot/Citi Financial Store Credit Card to buy things to remodel my father 's house because of the offer of a Deferred Credit Payment. It sounded very attractive. The large items I bought were replacement windows, Washer/Dryer, Stove, Dishwasher, refrigerator and then smaller item such as throw rugs, paint, hardware, room fresheners. The total beginning balance was about {$12000.00} and I paid it down in large amounts of between {$500.00} and {$1000.00} every month so I was n't worried about the deferred payment as the appliances were more than paid off and the windows as well as the small items were not part of the deferred items. By XX/XX/XXXX there was an additional {$1600.00} on my bill balance and they said it was the deferred payment. In XX/XX/XXXX it happened again. I was paying it down but it kept going up. There was nothing I could do about it. They do not make it clear when you are paying large monthly payments that you are not paying off the deferred payment. In retrospect I should have gone to the store in person to make the payments and make sure the payments were going directly to the Deferred Credit account. I have paid off the bill in full today and closed my Home Depot Account. Please do something to make sure that there is some way to make these payments clear. For the interest charged I could have bought XXXX sets of Washer Dryers instead of XXXX. They are loan sharks and sheisters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: CA
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 have been a victim of ID theft and have since filled out a FTC report. The three CRAs, yes all three. Have been allowing companies to report charge offs on already closed and charged off accounts. Making the total for each account upwards of 15 charge offs. This I know is not only happening to me. The fact is a charge off is a closure and sale of an account. Not the closure and sale of an account and unlimited amount of times. This has severly hurt my score and ability to get credit from any business. There investigations also never return to me with any information on the accounts I dispute. There for their is no information they can actually say the CRA is using to report the claim as accurate.

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 2016-06-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was traveling on business to XXXX, XXXX for a few days XX/XX/2016 when my company card was comprised with thousands of dollars stolen from my account ( totaling over {$7000.00} ), along with many attempts to take out cash advances. I do n't know exactly how it was done, but it was obviously a sophisticated credit card fraud. My credit Card was not stolen or lost but I believe it was taken at a POS and charged up along with several cash advance attempts. I used my company card for taxis and other points of sale, but never I would use it for charges like this. An in-depth review of my card account would show that I would never make any charges of these obscene amounts. I also have a personal credit card that was also compromised the same day and that issue was resolved in my favor. I received a letter from my card company weeks later which stated that because the card had a chip and was not reported stolen or lost they assumed it was under in my possession and I was liable for the charges. This explanation in my opinion does not constitute that there was n't a case of fraud nor that the chip technology is full proof. I realize that thieves are very sophisticated today and even though I might not know how they might of done it, it could be done. I did not report my card stolen or lost when I first realized the charges because I was overseas and did not have sufficient funds available on any personal cards to cover the rest of my stay in XXXX and later XXXX. I placed a notice on the card so the card could not be used unless I called beforehand and authorized payment. I returned back to the US believing the issue would be resolved but it has n't and have n't received much support on the matter.

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 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested over and over again for Transunion to delete incorrect information from my credit file. I ( See the attached XXXX which DOES NOT HAVE MY NAME OR SOCIAL ON IT ), yet it is listed on my report. Transunion has continued to violate the FCRA and the rights that have afforded me by practicing deceptive reporting and Transunion is continuing to aid them by holding my credit hostage with inaccurate information. It is for these reasons that I am disputing the following and asking for complete deletion from my file. 
The following is maintained under my Social Security Number : *********** XXXX Account # XXXX You can see that the attached XXXX DOES NOT HAVE MY NAME OR SOCIAL ON IT BY ACCORDING TO XXXX OWN DOCUMENTATION AND REPORTING. Thanking you in advance for assisting me in having an accurate credit file, with your credit reporting agency.

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 2022-08-29
Company: Michael Wayne Investment
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I made my last car payment on XX/XX/2022 and was told that they would defer the late payments to the end of the loan. My next payment ( which would have been current ) was due on XX/XX/2022. I was not able to make that payment then but had to wait a week. On XX/XX/2022 I rescinded my rights according to to Title 15 USC 1635 ( a ). I sent in a letter notifying them of this right that I was applying. I also noted subsection ( b ) of Title 15 USC 1635, and the clause which states " If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value.

Two days later they came and took the vehicle from my driveway. Today ( XXXX XXXX ) I called to have them return the vehicle. They told me that I would have to pay off the remaining balance of about {$18000.00} in order to retrieve the vehicle. 

This is a violation according to Title 15 USC 1635.

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 2022-08-29
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Going through refinance of original loan with cash out. Ordered appraisal of which mortgage company charged me for and I willingly paid. 
Appraisal of home completed XX/XX/22 @ XXXX Appraisal report completed and uploaded to their file by appraisal company ( notified of this on XX/XX/22 ). However was told by mortgage company employee ( Freedom Mortgage - XXXX XXXX ) that the appraisal report can not be disclosed until a notice of value is determined by the underwriter. As per her statement her managers instructions was that she can not disclose until this notice of value.

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 2022-10-02
Company: EQUIFAX, INC.
State: MO
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2022, I inform all three credit bureaus ( Equifax, XXXX, and XXXX XXXX of incorrect inquiries that were put on my credit report without my authorization. The agency never looked into the investigation and kept the inquiries on my credit file without my authorization, Nor do I have accounts with the inquiries in question. All of the inquiries that were made in XXXX are in accurate. I am working very hard on my credit to improve it and I have tried my best not to have any inquiries on my credit report that werent already there before XX/XX/2022. I did not authorize those inquiries in the month of XX/XX/2022 at all and It is a violation of my rights as a consumer to report inaccurate information. The agency did not take the time to investigate this matter and I am requesting validation with my signed signature that I authorize this information to be reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a collection agency ( Midwest Service Bureau ) trying to collect a debt that is still tied up in a Medicaid appeal. I forwarded Midwest Service Bureau the directions and explanation by the State of Kansas to return this debt to the creditor ( XXXX ) and have the creditor ( XXXX XXXX XXXX. ) file the claim with the State of Kansas Medicaid. I have also requested Midwest Service Bureau remove the negative on my XXXX credit reports while this debt is returned to the creditor 's responsibility ( XXXX XXXX XXXX. ) to file with the State of Kansas Medicaid. In reply I received a handwritten letter from Midwest Service Bureau dated XXXX XXXX, that I have until XXXX XXXX to contact them ( Midwest Service Bureau ) in paying this debt. Midwest Service Bureau also enclosed a very unprofessional billing that appears to be a old bill from the creditor itself. ( XXXX XXXX XXXX. ) But there is large areas blacked out by a marker or something to hide something. Then below is a list of + and - dollar amounts that have no explanations. I requested a debt validation and this is what I received along with the XXXX XXXX deadline to contact Midwest Service Bureau. And no street address given. Just a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Santander Consumer USA Holdings Inc.
State: IN
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 filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have yet to receive any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX my husband and I purchased our XXXX home. Interest rates were much higher then and several years later we decided to refinance at a lower rate of 7 % -still very high compared to current rates. The loan officer said there appeared to be an error on the original loan. The mortgage had my husband 's name, a married man along with his wife, as the borrowers on the loan, but my name was not on the document. He said it was likely an oversight but of no consequence, he would just correct it. I did n't think about it again. Several years later my husband and I divorced, and my ex husband quit claimed the home to me as part of the divorce agreement. In XX/XX/XXXX it became increasingly difficult to make my monthly mortgage payment. My interest rate was still 7 % and I applied for a Harp loan which would greatly reduce my payment. I was surprised to learn that I could not apply for a Harp or refinance the home because although it was my name alone on the deed of record, my name was not on the mortgage. This Is a very unusual problem. Most people try to have their names removed, especially after a divorce. In this case I was lowering the risk to the bank by adding myself to the mortgage. However, trying to deal with my mortgage company or bank as they are the same, proved to be more frustrating than anything. They did not know what I could do, offer me any help or have any idea how to help me with this situation. The one thing I was told was that they would not add my name to the mortgage. I do n't understand why they would refuse and they never explained so I still do n't know. Had I just left things as they were then, I would 've just lost my house. I had no choice but to use an attorney. From that moment they refused to accept any payments as we were in litigation until there was some resolve. After TWO YEARS, they finally acquiesced to my request and agreed to add my name to the mortgage. The bank then totaled the amount I would 've paid over those two years, which included the principal, interest, taxes and insurance, and simply tacked it on to my loan amount. This also meant that on top of the interest that was included, I would be paying another 7 % on top of that! How is this at all fair or even legal? They took a full two years to decide to grant my request and then profit from taking so long! My situation was exploited and I was exploited as well. Is there any protocol for this type of situation or are consumers simply at the mercy of their banks? And what was the reason for the two years it took for them to finally agree to add my name? Was there any reason to deny me other than increasing their profits by adding up more payments to double charge me interest? How is this practice legal because it feels terribly wrong and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My former loan servicer, ACS, never informed me ( after several inquires on my part ) that i was not set up on the correct loan type ( which would be direct consolidation ) to receive XXXX. I asked several times and inquired to make sure ... i was on the right repayment but not on the correct loan. So, now after paying on my loan for 10 years i now have to start over and i owe XXXX more than my original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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: Account information incorrect

Complaint:
i sent letters on XX/XX/2020, to XXXX and Experian disputing the inaccurate and incomplete items that they are reporting on my credit.I haven't receive anything from them as of yet and I have attached copies of the letters below.

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 2020-09-28
Company: Resurgent Capital Services L.P.
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TriVerity, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a delinquent account with XXXX credit and they continue to report it as open and holding balance which is not accurate. The receipt and official statements are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At the end of XXXX, my bank, SunTrust/Truist , contacted me out of the blue, offering to refinance my HELOC at around 3 %. My current HELOC is about {$34000.00}. The bank representative suggested bumping it up to {$66000.00}. I was going on vacation the next day so they said they would submit initial paperwork and I could complete it when I got back. 

When I was contacted by the loan officer for SunTrust/Truist , I was told the interest rate was 8 % and the amount was {$110000.00}! I NEVER authorized someone to request an {$110000.00} HELOC. When I objected to the rate I talked to the branch manager, who said it would actually be around 5 %. 

So I proceeded. Then the loan officer contacted me and told me my appraisal came in at {$220000.00} - in a neighborhood where houses similar to mine are selling for {$350000.00} to {$400000.00}! They refused the HELOC, saying I didn't have enough equity. I am convinced they compared my house to one down the street that was literally on the verge of being knocked down, which was termite riddled, had no central heat and air, an overgrown yard with junk cars, etc. 

My neighbor, who is a former SunTrust VP, said they use algorithms for these appraisals, and the programs are made for cookie-cutter subdivisions, not diverse ones like the one we live in - one of the hottest neighborhoods in one of the hottest housing markets ( XXXX ) in the nation. 

They told me I could appeal the appraisal. I was so disgusted, I am instead in the process of moving my mortgage and HELOC elsewhere. 

A. They played bait and switch with rates, quoting 3 %, 8 % and 5 % B. They submitted paperwork for a loan amount I never requested - {$110000.00} C. They either used AI or a drive by appraisal to appraise my home, and were completely off base, resulting in me being unable to get the revised HELOC. 

I complained to the bank about the whole process, and all they said was I could appeal the appraisal. 

They need to be taken to task for all their bad behavior in recent months. Along with the HELOC nightmare, they have now failed to activate debit cards in a timely fashion. The account history in my checking account is totally screwed up so it is impossible to tell what money has gone in or out. They are clearly in over their head. Their merger should NEVER have been authorized. SunTrust used to be a decent bank before the merger.

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 2018-03-14
Company: EQUIFAX, INC.
State: OH
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:
the XXXX XXXX late payment is wrong. i have not been late. 
ask XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Approximately back in XXXX I was XXXX. I opened a bank account with well Fargo. Checking and savings. After about a year and obtaining a credit card, I noticed I had another account tied to my online account and the address was from Arizona! I brought this to the attention of the bank and they froze my account! I filled out the paperwork for identify theft sent my social and all paperwork needed. And they still did not resolve the issue. It 's XXXX and watching everything that 's been on the news lately I 'm glad this has been brought to light! They still have my money and had to have my credit card account frozen and could not pay it!

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