BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-16
Company: Stearns Ventures, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX applied for a refinance of her mortgage on the property located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX will be XXXX years old on XXXX XXXX, XXXX and has a credit score of XXXX and received an approval notice of her loan from Stearns Lending LLC Loan # : XXXX with an expiration date of XXXX XXXX, XXXX. Although XXXX XXXX fulfilled ALL conditions of the loan approval, Stearns Lending LLC reversed their approval because XXXX told them that the loan did not confirm to their standards. We obtained prior approval from Sterns to exclude the HOA fees from the loan qualifications and that was not a condition of the loan approval. XXXX XXXX ( XXXX daughter ) provided proof that she paid all condo fees for the unit from the date of purchase in XXXX XXXX to present and provided bank statements and canceled checks proving this issue as well as an affidavit from the Condo association. Sterns has committed a violation of their approval and has engaged in age discrimination by refusing to honor their approval of the loan to a valid applicant because she is XXXX years old.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states that 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 an 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 non-monetary relief
Consumer complaint received 2022-08-19
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Each month I pay more on my account and asked that it is applied to the principal amount due. The loan has not gone down and instead I am sent a bill minus the amount I paid. When I speak to a representative from Hyundai Motor finance they are unable to explain why.

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 2015-12-20
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
Attn : CFPB : I am a Discover Card holder and recently tried to pay a substantial amount on my bill. I tried to pay on the high interest rate amounts first, but was told that I could not allocate all the money to those totals and therefore I would continue to pay on these amounts with the high interest rates until I made several more payments due to the interest charges accruing each month from the unpaid balances. I am appalled that this company is trying to make an underhanded profit off the backs of hard working people like myself. I hope to completely pay off this bill by XXXX, but at this rate of Discover Card devious actions it may take longer than that. 
I am a product of the XXXX lay-offs and had to go back to school at XXXX and reinvent my career and become a XXXX. I hoped that this was a career with more opportunities and less chance of downsizing. I borrowed money from the card to pay my tuition and cashed in my XXXX and two years later I have a good job that I love. I am just starting to make a dent in the bills I have accrued. I do n't know if this is illegal on Discover Card 's part but it certainly rings of illicit criminal XXXX type of behavior in my eyes. I did complain to Discover Card 's complaint department and never received the call back that I was promised for a follow-up on my discord. I suppose that after complaining to you the ( CFPB ) that XXXX from Discover, will show up at my door and threaten to XXXX and demand full payment with interest immediately. All that aside I only wish to pay my bills and break this cycle of using credit. I am hoping that the CFPB will look into how Discover Card conducts their business and refine the modus operandi of how they gouge the public that unknowingly gets entangled in these unsavory business abuses of theirs. I realize that somewhere in the fine print of their lawyer 's jargon paperwork it probably mentioned this or ( not ), but I do n't have a law degree and in no way could I or the average person using their card would ever understand what was being said. My only option is bringing this to your attention and hoping for a change. I look forward to hearing from you soon and Thank You in advance for whatever you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Account number ending in : XXXX Important information about your account ... 
Dear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, We have closed your credit card account as of the date of this letter XXXX/XXXX/2016 This action was taken for the following reason : " Inactivity on your credit card account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a phone call at XXXX XXXX XXXX on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of XXXX XXXX, XXXX XXXX XXXX, XXXX, phone XXXX ). The call alleged that I was named in a judgment hearing by Discover Card, for a debt that was almost twenty years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost twenty-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Rent Recovery Solutions
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I applied for an apartment at XXXX XX/XX/2016. After being approved for the apartment, I decline the apartment offer. I paid them the application fees which are non-refundable. This week, I received a letter from a collection agency stating they have placed an eviction notice on my credit account and is suing me for {$3600.00} for an apartment that I never stayed in or even rented. They do not have a lease in my name NOR have I never signed one. I never lived in this apartment complex, only completed an application. They even tried to garnish my wages. How can I be garnished if there is no court date? This is unlawful and I want my this off my credit. I have spent days trying to clear up something that is not mines. I try contacting the apartment complex and this debt collector and no one is doing anything. This needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: AMERICAN EQUITY MORTGAGE
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
American Equity Mortgage has accessed my credit report with out authorization. 
Re : XXXX Would like this inquiry removed 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 explanation
Consumer complaint received 2017-01-15
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX, I was without XXXX or any form of medical insurance. I attended the XXXX XXXX through XXXX XXXX XXXX XXXX, a free clinic advertised to the homeless as well as the uninsured. I underwent routine XXXX for XXXX and other basic information, and was billed a few months later without having ever received notice. I should never have been billed as I repeatedly made clear I could not pay, expressly did not sign any agreements to pay, and was told repeatedly that a free clinic would not charge the patient. This was a deliberate lie that was used to trick me into a procedure. I only realized I was billed when I checked my credit reports in XXXX. The date of first delinquency on my CBS debt is marked as XXXX/XXXX/XXXX, yet the itemized bill provided states the date of care as XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
Nelnet received a CFPB Complaint XXXX with no resolution More facts have emerged My social security number ends in XXXX I searched for an account with my social security number on Nelnet website and no account exist I have a installment loans from Nelnet on my credit report with a balance of {$0.00} I would like removed off my credit report with XXXX My social is XXXX XXXX XXXX My legal name is XXXX XXXX The Nelnet account # XXXX opened in my name does not match my social and is illegally used to impersonate me. With account number I filed a police report to support my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi I am XXXX XXXX with SSN # XXXX. On XX/XX/2021 i sent you a letter regarding inaccurate info on my report but its been a month now, i still get no response from you, i know fcra requires you to respond w/in 30 days but it seems your not taking it seriously for i am sure you recieved my letters. now If you check my report thoroughly you will see a lot of inaccuracies there so I please fix your errors because its affecting me a lot. I will be waiting for your response.

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 2022-05-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX we contacted Nissan Motor Acceptance Company to negotiate a settlement of XXXXXXXX XXXX delinquent car lease agreement. We spoke to XXXX and she said that the collections balance of XXXX had been referred to XXXX XXXX XXXX XXXX. So we contacted this company at XXXX and they confirmed they were collecting on behalf of Nissan Motor Acceptance Company. The stated that they could offer a settlement amount of {$2800.00} to consider the account satisfied. We requested this offer in writing and they sent it to XXXX that same day ( she received it in the mail a few days later ). XXXX sent a cashier 's check in the above amount via certified mail to the address for XXXX XXXX XXXX XXXX listed on the letter on XX/XX/2022. Then on XX/XX/2022 XXXX received a statement from Nissan Motor Acceptance Company attempting to collect the remaining balance of the original {$7000.00}. This is incorrect because the amount she sent was accepted in settlement of the debt and all collection activities were to cease. I, XXXX XXXX, am submitting this complaint on her behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$390.00}.

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 explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I'm filing this complaint because Equifax has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed.

They have also gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred money from my XXXX ( Truist / XXXX ) into my Truist Checking Account to pay off my mortgage. After received, on XX/XX/XXXX, I made XXXX separate transactions, the first for {$99000.00} ( XXXX available to transfer online ) and {$12000.00} from my Truist Checking account to my Truist Bank Mortgage. On XX/XX/XXXX, the {$12000.00} transfer posted to my mortgage. On that date " Both '' transactions were removed from my Checking Account. As of today, XX/XX/XXXX, the {$99000.00} has not posted to my mortgage. 

I went online to contact Truist about the " lost money '' today and received a run-around. Firstly, the wait time on calling was greater than XXXX minutes. After that, I chose to " Chat '' with an an online agent. Initially, the response was that it would take XXXX hours to research, That was unacceptable to me. After a few chats back-and-forth, I was told that the {$99000.00} payment was suspended for some reason. I asked the chat agent for a complaint phone line and there was not XXXX available. I also asked the agent to enter a complaint into their complaint management system and she/he was unable to enter the complaint. Apparently, her/his manager needed to enter the complaint. The chat system closed out after my request without any resolution. I asked if they could verify that a complaint was registered. 

During that process, I called a local branch ( XXXX XXXX, XXXXXXXX XXXX ) and " XXXX '' offered to help and he is supposed to call me back. XXXX was very professional but he could not define the problem based on what he saw in the system. 

I am concerned that an organization seemingly loses almost {$100000.00} of my money that is not accounted for in my accounts. Also, I am concerned that the XXXX ) Customer Service wait is excessive, XXXX ) The chat agents are unable to resolve obvious problems, XXXX ) There is no way for a chat agent or a client to escalate problems/ complaints. 

This is horrible client service.

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$390.00}.

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 2022-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received unemployment back in XX/XX/XXXX. Recently just gained access to my account XX/XX/XXXX. I noticed someone stolen my card and activated it and my fraudulent transactions. I put in a dispute and it was denied a few days later. Bank of America has broken the laws and didnt treat me fairly. Over $ XXXX in stolen money and they wont do anything about. I will be getting an attorney general. Ive done everything theyve asked and still havent got help. Ive heard several same stories about this and Bank of America should be sued. I never even activated my card and my claim was denied. Lets me know no one actually paid attention and care about bum claim. By law if its a fraud claim I should atleast get provisional or taken more seriously. Bank of America is a fraud bank and they might be the ones that stole my money. Ive heard the same from several others too. I filed a police report also. Still no help. Not even from them

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 2016-05-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management , Inc have consistently harassed me to XXXX paying a debt which I do not owe nor have any responsibilities for. They persistently and aggressively report on my credit profile an account which other credit collection companies in the past, long deemed erroneuos mistake ; and have appropriately deleted off my credit profile and adjusted correctly with the XXXX major credit bureaus in my favour. 

This account they continue to aggressively report on my profile monthly is hindering and encumbering my ability to secure any measurable career. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: DISCOVER BANK
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Discover is posting debit card transactions w a posted and transaction date that is always the same, therefore there is no way to match and verify that I actually made the transaction. As the actual transaction date can not be verified as it is always equal to the posted date. I have been reporting this to Discover for over a year w no resolution. as an example they posted a XXXX transaction w a transaction and post date of XXXX but it showed up in my account on XXXX XXXX, this is impossible, potentially illegal, how can I make a transaction in the future at XXXX? This is causing a lot of pain and confusion on transactions. We have no way to validate that the transactions are real and not fraud. Please contact Discover and have them fix this immediately. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation