BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The only address that should be listed on my credit file, should be : XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Remove any other address you have listed on my credit file as these addresses are not correct. The only address listed should be the one listed above. Any other addresses should be removed. The only name that should be listed on my credit file, should be : XXXX XXXX Remove any other name listed on my credit file as these names are not correct. The only name that should be listed on my credit file is listed above, please remove any other names you have listed on my credit file. 

I noticed there were two different socials connected to my credit file, these socials are incorrect and should be removed. The last 4 of my socials is XXXX Please remove the incorrect socials of XXXX & XXXX. 

Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: BB&T CORPORATION
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, my XXXX XXXX XXXX was deemed a total loss by my insurance company ( XXXX ) after I hit a deer. The loan for my car was financed through BB & T and I also had GAP insurance ( XXXX ). XXXX insurance paid for everything except a remaining {$2800.00} on the loan. On XXXX XXXX, XXXX, I received a notice from BB & T stating that my vehicle loan, in it 's entirety was " Paid and Satisfied ''. The document was signed by " XXXX XXXX '' and dated XXXX/XXXX/XXXX. I immediately called BB & T and verified that no further action would be required from me regarding my account. A BB & T representative in the customer service department named " XXXX '' assured me that no further action was required. On XXXX XXXX, XXXX, I received a late notice for my account, stating that I owed BB & T my monthly payment of {$330.00} for the month of XXXX and that I had a late fee. I checked my BB & T account online and it stated that I still owed {$2800.00} as well as the additional late charge fees. I contacted " XXXX '' GAP insurance company and they stated that they were still finalizing my claim. I received a notice from GAP dated XXXX/XXXX/XXXX, stating that a check for {$2800.00} had been mailed to BB & T. I received another statement from BB & T on XXXX/XXXX/XXXX, stating that my account was still overdue and that I owed {$700.00} for the months of XXXX and XXXX. When I checked my online account, it still stated that I owed the {$2800.00}, plus additional fees. When I contacted BB & T, a representative of the total loss department informed me that they had received the check from XXXX GAP Insurance, but that the check would not be cashed until a thorough investigation had been completed regarding the " Paid and Satisfied '' statement mailed in XXXX. I have called on multiple occasions throughout the months of XXXX and XXXX and I receive the same answer. BBT representatives from the " Total Loss '' department state, " The case is being reviewed by upper management, whenever a solution for this situation is reached, we will call and advise you of the outcome ''. Whenever I ask to speak directly to management, I 'm always referred to the general customer support number for " Total Loss ''. In the meantime, I continue to receive notices that my account is overdue and that I am being charged late fees. I called again on XXXX/XXXX/XXXX and received the same answer. I contacted a representative with the West Virginia State Attorney General 's Office, " Banking and Finance '' division, who recommended filing a claim with the CFPB.

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 2017-02-17
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I XXXX XXXX XXXX had an account with BB & T BANK Routing # XXXX & Account # XXXX, in XXXX NC XXXX. BB & T 's Bank Manager told me that his Representative will CLOSE my wife & my Account as of XXXX XXXX. XXXX, she did ( letter enclosed ). I ( XXXX XXXX went to BB & T to make sure this was recorded in their files, it was not.I spoke to a XXXX XXXX XXXX at BB & T she stated that, quote '' that manager was n't suppose to CLOSE this Account & he was n't suppose to wave any fees, you 're have to pay all fees & your Balances '' unquote.Well, here 's our " Account Closeout Receipt enclosed! '' Our name is in the XXXX, because of this! Sign, 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 2015-03-25
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Quicken Loans has given me XXXX approval letters stating that my loan has been approved and FULLY underwritten in accordance of the underwriting guidelines. 5 days before closing XXXX XXXX, Solution Consultant for Quicken Loans, informed me that they still needed more time and that the loan HAS NOT been approved by their underwriters. Due to this, I have lost ALL deposits for the purchase of the home I was interested in buying since the approval letter was emailed from the loan consultant to my broker. A total of {$3300.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt was not verified by contract or signature. 
National Credit systems inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I was attempting to contact the lender so that I can end the revolving loan and make an arrangement to pay the balance. I have already made 3 payments to them and it has not done anything to change that amount due on the loan. I am wishing to close this loan and make a more reasonable payment schedule so that I can get out of this financial burden. When I finally got in touch with a representative they we 're not willing to hear me out or discuss options so that I can pay off the loan without needing to get another. This is the first time I used a service such as this and I vow to never do it again. All I want to do is close the loan and pay back what I borrowed in a way that is affordable to me. Also the loan documents are dated to show I refinanced on XXXX XXXX 2016, when it actually occurred on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: EQUIFAX, INC.
State: IL
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 was disputing 3 accounts on my credit report, these accounts are result of fraud action on my behalf, I have police report, that I filed, I attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX 2015, I vacated XXXX in XXXX, Georgia. I thought I could work virtually in XXXX, GA where many family members reside. However, with the re-organization of the Department of Veterans Affairs, management advised that it would be best to work in Michigan. Rather than place my 20 year Government career in jeopardy, I returned to Michigan. 

I provided XXXX with the requisite 60 day notice of my impending move back to Michigan. I also requested if they could extend the change of duty clause they have for military personnel to U.S. Government workers. This clause allows for the military personnel to leave the lease early if they have a change of duty. The Manager at XXXX XXXX initially told me that Yes the clause covers U.S. Government workers. 

Just a few days before my move in XXXX 2015, I received notification from XXXX XXXX XXXX Tenant Relations, XXXX managing office, that only military are allowed to leave the lease early! As such, they said I owed {$2200.00}. 

To make matters worse, XXXX has added my {$200.00} security deposit to the debt in lieu of deducting it! I have asked for a payment plan for a reduced amount based upon the circumstances and removal of this collection from my credit report. Yet, XXXX referred me to their Collections Agent, IQ Data International. IQ Data International has referred me back to XXXX for any type of Payment Plan! In the meantime, my credit is ruined by this collection and I can not purchase a home. XXXX has also added interest charges and damages to the amount owed. There were no damages to the property. This is clearly an attempt to ruin my credit and falsify records!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I WAS SUED AND THE LAWFIRM SERVED A XXXX. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT XXXX XXXX XXXX INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've had issues with this bank before, but given that they're a reputable bank with a branch near my office, I decided to give them a second chance. Opening an account was relatively painless after submitting my government-issued identification and other information. It was only after I had opened the account and deposited my first paycheck that I randomly started experiencing issues. 

First, it started with being unable to log into my account, which I'd been able to do since opening the account. Then, it was an issue of not wanting to download the app on my phone so requesting their personal security device. Then it was an issue of my PIN change not being recognized despite the correct steps I'd taken to have it changed to a number I can actually remember. 

The last straw was when I deposited my first paycheck. I'd been XXXX  for a long time, and I finally found a job. When I went to deposit my first paycheck, it accepted my ATM deposit and then when I tried to log into my account to pay bills, I was locked out of my account. I'd gone to the bank branch and experienced horrible customer service despite being a Premier account holder. 

After no less than six times of visiting the bank branch and calling customer service to try to resolve the issue despite having no time due to starting a new job, I'm trying to force them into returning my money and closing my account at my request. Both requests have subsequently been met with numerous run-arounds claiming identity fraud alert holds on my account despite my very real and legitimate government issued identification submitted at account opening. I've not only had to miss time from work in order to try to resolve this by going to the branch and by calling customer service, but I now have to miss more time off from work in order to open a new bank account elsewhere. 

Sometimes institutions that abuse their power don't deserve a second chance, and this is one of them. I wonder how calmly they'd be willing to hold on the phone for 30+ minutes at a time if their own money was jeopardized by their own ridiculous policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
on XX/XX/2021 XXXX XXXX obtain a copy of my credit report with out my permission i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
I filed a complaint with all credit bureaus via mail and CFPB XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below and verify the accuracy or delete the accounts. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Accounts : XXXX XXXX, XXXX XXXX This issue is well beyond the 30 day mark and if these accounts don't get deleted immediately I will be taking legal action, this is considered a federal crime.

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 2016-09-29
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. I really need help because none of these companies are responding or even available for questioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: AR
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Experian : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$980.00}

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 2022-05-25
Company: Experian Information Solutions Inc.
State: NV
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 Amount {$750.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
2013 I opened 2 separate secured accounts one for XXXX and the other for XXXX. Due to financial hardship, I default on both accounts. The money I've deposited for the secured accounts should cover the amount default. The collection company is trying to get me to pay on a debt that is already paid in full. I called and explained the situation and I'm not getting anywhere. They don't have records of my secured deposits but they do understand that they were both secured accounts, meaning that the deposits made secure the default amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX responded to my prior complaint, case XXXX, at the start of XXXX ( having maxed out the 60-day response window with CFPB ) resulting in the complaint being closed. However, they have not resolved the recasting of my loan whatsoever, despite being in receipt of all requested notarized documents timely. The referenced Single Point of Contact chooses not to respond to requests on when this will be completed. All my recent emails go unanswered by him and his superior selectively responds to some messages without any basic customer service etiquette nor evidencing any concrete progress. 
This matter of recasting, delayed due to errors by XXXX XXXX disclosed in the response letter to my initial complaint, continues to be outstanding. 

In addition and new to the context of my complaint to CFPB, XXXX XXXX have unapplied funds paid to them timely in order to complete the recast ( still pending ). This resulted in my account being shifting into an overdue status. I contacted them to ensure this would not happen - needless to say, XXXX subsequently reported this overdue status, entirely of their own doing through their process of recasting, to the credit bureaus. My excellent credit score on XXXX and XXXX reports has now been demoted to Fair status due to this error on my credit score. In alerting my Single Point of XXXX to this, I received no apology or understanding, but rather his manager messaged that it would be fixed after recasting. Any expectation of basic courtesy and customer service aside ( as it has become clear that XXXX XXXX do not excel in this field from my entire experience with them ), I have absolutely no confidence that this will be remedied quickly and completely, with XXXX taking whole responsibility to remove erroneous reporting from my credit score and return my standing to Excellent with all respective credit bureaus. Indeed, I am now disadvantaged from securing credit I urgently require due to their error and there is no adequate response from them in remedying this quickly.

Company response to consumer: Closed with explanation