BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Doesnt Experian collect, maintains, and safe guards my credit report information? Experian does not. XXXX XXXX XXXX XXXX ( XXXX ) unlawfully accessed my credit report in XX/XX/2017 which then led to a fraudulent loan. XXXX sent the attached incomplete, undated, and forged application as proof of permissible permission. Experian recently stated in one of many many of my complaints To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor.

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 2017-09-11
Company: AAA Auto Title Loans, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( IXXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX Next Card ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXXXXXX XXXX Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.

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 2022-07-18
Company: DISCOVER BANK
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Discover has been harassing me about owing on an alleged debt. I have contacted them several times about this including 6 phone calls, and a written debt verification letter. I also have sent a request to dispute through XXXX. 

The alleged loan does not identify me. This violates the ECOA for discrimination based on age. 

Discover sent a letter dated XX/XX/2022 and an email dated XX/XX/2022. The letters are in violation of the ECOA based on familial status, source of income, and several violations of the FDCPA Both letters are attached. They both threaten me in violation of the FDCPA. 

" Your full balance will be due immediately. 

Your account will be reported as a bad debt to the credit reporting agencies. 

Charge off status may remain on your credit report for up to 7 years. 

We will refer your account to a collection attorney to continue collection efforts on our behalf including the possibility of filing a lawsuit against you.. lawsuit against you.. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Vanderbilt Mortgage and Finance did not offer to refinance my loan recently and this problem is one of many they have. I originated a loan with them in XX/XX/XXXX and had to settle for a high interest rate of over 10 % for a manufactured home, so I was not in a good position to build equity. After 3 years of 100 % on time payments I decided to seek a refinance and I called them first. They simply stated they do not offer refinances for my situation. If nothing else that is a bad move by this company, because I quickly left them, but our choice to refinance became very costly in part due to violations by Vanderbilt.
Now having just finished a refinance with another company, I found out during the process that my foundation of my home was not compliant with Fannie Mae standards. The shape that my foundation was in was undoubtedly just as bad three years ago when I purchased the home and they approved my loan. The foundation of this property is very moist and the straps securing the frame to the ground were rusted and broken. I had to pay steep repair expenses out of pocket to get my foundation in compliance, and Vanderbilt should have recognized this when I purchased my home from XXXX XXXX in XX/XX/XXXX, where it should have been paid for by them. I had a conventional loan with Vanderbilt and I ca n't imagine how this was missed by their underwriters. 

I bought it as a repossessed home from XXXX XXXX in XXXX, Kentucky. During this purchase process Vanderbilt charged over {$5000.00} in closing costs which I just paid only about {$3000.00} through another company, not including the cost I just incurred to certify the foundation which was about {$2000.00}. 

Additionally, I spoke to several Vanderbilt representatives over the phone throughout the life of my loan, and was never asked to verify the last four of my social security number for verification that they were speaking with me. 

This is all information that can be validated in their documentation of my loan. This company is a predatory lender that takes advantage of customers in high interest situations due to lower credit.

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 2017-09-04
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I leased a new vehicle XX/XX/XXXX. I still to this day did not get copies of original documents I signed. I wanted a 3 ( three ) year lease. I was given a 4 ( four ) year lease. Plus there are extra charges on the lease I dont agree with,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 I deposited approximately {$30.00} in loose change at the Bank of America branch at XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX as the Bank had suggested I do in the past as they explained that they accept responsibility for accurately counting the change and crediting my account with the correct total in a week or less. While this worked correctly on two prior occasions, on this occasion, the Bank has still not credited my account for the deposit after 12 business days and despite emailing the CEO, XXXX XXXX XXXX to request assistance on XX/XX/18, I have not received any response to date.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: GA
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:
By the end of the XXXX of XXXX, I received the notice about upcoming payment from the XXXX XXXX bank. I contacted the bank to verify which card it is ( I opened new account back in XXXX, so I tried to clarify if it is the same or not ), whenever representative confirmed that it is 2 different banks and they dont work together, I stated that I never open the account with XXXX XXXX and not aware of this account. They suggested to file dispute due the fraud or contact their Fraud department. I did file the dispute with Experian on XX/XX/XXXX, the response from the bank were that they wont dispute the account. I called to XXXX on XX/XX/XXXX, filed claim over the phone with them. Been told that I will receive the call back from fraud department - no one reached me back. Called back to XXXX on XX/XX/XXXX, rep claimed that they sent me some paperwork to email, which I never received ( nothing in the inbox or spam folders ). They re-set the email and send it back to me, an hour left - still nothing.

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 2022-02-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021 I was trying to add my moms authorized user credit card into her XXXX XXXX XXXX. Immediately got a fraud alert on my phone that somebody was using my card. I called and provided asked information and was told by supervisor XXXX that the information is not sufficient to unblock the card.I asked to speak to a supervisor in the XXXX, she said they were doing an upgrade and asked to call back. Reached out to customer service via app they were not able to help. I am currently on vacation overseas, XXXX told me to get a letter from the bank to get verified. This is not acceptable I want me and my mom to be able to use cards. I did not provide them any wrong information to not to have my card unblocked. Please help.

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 2020-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
Hello, My FICO score dropped by 43 Point just in a Day on XX/XX/2020. I was excellent FICO score person and it was big drop without any big reason. I have not applied for any Mortgage or Loan Just I applied a XXXX Credit Card. I feel Experian intentionally dropped 43 point FICO score just because of this so that I can take some services from them to improve my FICO score. Please help me to correct my FICO Credit Score. Thanks

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 2022-07-18
Company: SLM CORPORATION
State: MT
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:
Sallie Mae is reporting my accounts as having a balance. The accounts are closed and the balances are all XXXX. 

When I filed a dispute with the reporting agencies, Sallie Mae told them their reporting was accurate even though they know it isnt. 

All accounts have a XXXX balance and are closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account 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 2022-07-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Wells Fargo Visa, is refusing to give senior, XXXX XXXX XXXX reimbursement for credit card purchases made by a caregiver, XXXX XXXX, who has been charged with XXXX felonies for this theft and senior abuse. XXXX XXXX 's district attorney has provided proof of charges.Wells Fargo states that because she promised to pay it back they will not reimburse him. We have all documents of proof. We have been dealing with this since XX/XX/XXXX.XXXX XXXX XXXX XXXX XXXX at the age of XXXX, XX/XX/XXXX, but our family wishes to pursue Wells Fargo and Visa to repay his estate.I hope that you can help us. The amount of the theft on the Visa charges are {$14000.00} and XXXX in interest and fees.for a total XXXX.XXXX XXXX also made payments to XXXX Visa out of his checking account in the amount of $ XXXX.XXXX XXXX also used a Debit card without his permission in excess of 100 thousand dollars.Wells Fargo will not reimburse for these losses,.

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 2022-07-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an XXXX XXXXXXXX XXXX XXXX card through Commeity BAnk. UNDer XXXX there was never an issue redeeming points for an Account credit. I have {$6200.00} due to me in account credit. Even on the link it says you can use your pints for an Account credit. WHile trying to do this it says I ahve no balance, when I do. I contracted commetiy and they are saying you cnat use your pints for an account credit, when their site clearly says you can. WHen you call you get a run around. No one cna give me a straight answer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in XXXX XXXX for a closing price of XXXX and a second loan to cover the rest of the cost in the amount of XXXX. Both loans were provided by the same bank and totaled more than XXXX XXXX paid for this new construction home. The bank also steered us toward an interest only 10 year ARM at 6.75 % interest to ensure we could qualify and afford to make the payment. A year after we moved into the home in XXXX XXXX our tax assessed value for the home was listed at only XXXX. This represents a nearly 40 % decrease in home value compared to the XXXX XXXX XXXX indicated the home appraised for in XXXX XXXX. Over the past nearly 11 years we 've tried on several occasions to get the bank to restructure the loan given the lower interest rates and grossly overvalued appraisal of the home. The bank has refused to assist us on each occasion, the last being in XXXX of XXXX as we were nearing the end of the 10 year ARM. As a result our mortgage has increase for the second consecutive year and we fear continuing annual increases will lead to financial challenges to pay our mortgage. We believe BB & T colluded with homebuilders and appraisers to grossly overinflate home values in XXXX at the height of the housing crisis and intentionally steered us toward a 10 year interest only loan to lock us into a situation where we are unable to refinance due to loan to value policies for lending institutions. Furthermore, their refusal to restructure to loan to ease financial strain is purely financially motivated. The value of our home as of our home as of XXXX XXXX, XXXX during the latest official appraisal was indicated to be {$800000.00}. Even after 11 years, that 's a nearly 37 % decrease in value related to the bank 's appraisal value of the home at closing.

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 2017-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In 2014 I took a Cash Advance on my Capital One Credit Card. The Cash Advance has been paid off for well over two years. 
Tonight I went in to activate my new credit card. When I reviewed my account I found that Capital One has been billing me interest charges for Cash Advances on a XXXX  balance. 
It was n't until I looked closely at my statement to see the interest charges for Purchases and the interest charges for Cash Advances. The summary page does n't separate or itemize the interest charges. I do carry a balance on purchases, so I expect to pay interest for that balance and that balance only. 
I contacted Capital One tonight and held a chat session with XXXX. He told me that I would continue to be billed interest charges for Cash Advances until the balance of the ENTIRE card were paid off. 
I should never have to pay interest on any account or part of an account that carries a XXXX balance. To do so is paying money on an account which Capital One has no right to collect. 
Since this will probably affect the many millions of Capital One credit card holders this may result in a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-02-19
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a notice that my chosen renewed hazard insurance was in default and was cancelled on XX/XX/XXXX. I have until XX/XX/XXXX to reinstate this policy. I have tried THREE times to contact Newrez about paying this bill which was sent to them well in advance ( I have a copy of the letter they sent to Newrez in the beginning of XXXX, which I obtained through my online insurance providers account. ) However, after attempts in contacting Newrez I keep getting " disconnected '' due to phone issues on their end. Near the end of XX/XX/XXXX, we received an escrow disbursement, which should NEVER have been paid to us, it should have been paid to cover my hazard insurance ( which at this time I had no idea my insurance was not paid and assumed Newrez handled my funds appropriately ). This is a huge misappropriation of our funds. Secondly, upon investigating further I noticed that Newrez said they " paid '' or " estimated '' my hazard insurance for a total of .XXXX XXXX on my account ( I have the screenshots of my account to prove this ). I feel like they are scheming me ( and possibly others ) into forced-placed insurance by mishandling my escrow and doctoring estimates to be able to justify force-placed insurance which, if true, needs to be handled immediately and forcefully by the appropriate authorities. ( Note : I am not in default on my mortgage either )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation