BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: SUNTRUST BANKS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have been a customer of SunTrust Bank for over 25 years and up until XXXX, they handled all of my personal banking business. In XXXX, I opened 2 business banking accounts with SunTrust in addition to all of my personal accounts. InXX/XX/XXXX, I asked the bank to authorize credit cards for both of my business accounts. The 1st credit card was submitted and authorized without incident ; the 2nd business credit card application was submitted, and onXX/XX/XXXX, I was sent two, almost identical letters denying my request. The second letter specifically states that the reason for denial is " Age of Applicant ''. 
I immediately reached out to SunTrust but have not heard back from them as yet.

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 2017-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company is threatening us with closure of the account if we do n't give them what they 're asking for by XX/XX/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 2017-08-28
Company: EQUIFAX, INC.
State: NY
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:
I did a dispute with XXXX and Equifax and the report came in that the debt of XXXX XXXX XXXX  was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I did a dispute with Transunion and XXXX and the report came in that the debt of XXXX XXXX bank was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in 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 2022-09-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquires and accounts showing on my credit report that I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX T.D. Bank XXXX XXXX And the all three credit bureaus : XXXX XXXX XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill  deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, EQUIFAX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We made an electronic transfer of {$2800.00} from our Credit Union XXXX XXXX XXXX to XXXX XXXX XXXX. to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX/XXXX/XXXX. However, no such person is at this address, or even exists as far as we can ascertain. Since no such person exists, we should receive a refund of this amount. Capital One agrees that this was a faulty account, and thus refunded us the amount left in the account, which was {$6.00}, on XXXX/XXXX/XXXX. We would like the remainder of {$2800.00} refunded since the person we wired money to does not exist. This involved a fraudulent lease, which has been reported to the XXXX XXXX, MD police ( report number XXXX on XXXX XXXX, XXXX ), but our complaint here is with Capital One, since we wired money to this supposed XXXX XXXX, who does not exist. The XXXX did nothing wrongwe have no complaint against XXXX. The origial wire is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, XXXX AND TRANSUNION ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you

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 2022-09-01
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent in a dispute letter on XX/XX/2022 in regards to the account National credit adjustment # XXXX being reported by XXXX. I did not receive any type of correspondence which validated the account. I do not owe this debt not to mention I never authorized anyone to use my information to obtain this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
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: Public record information inaccurate

Complaint:
To Whom It May Concern : I received a copy of my credit report and am FOR THE 3rd TIME disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion XXXX State Error. Not Reported by XXXX. Vacated/Dismissed. w/o Prejudice. 


According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

I am also requesting a full explanation of why this reinvestigation/Equifax has violated the Fair Credit Report, in that this investigation has taken WELL OVER 30 days. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report,  which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/ 2022 I requested a refund of a payment I made back in XXXX of 2022 for a total of {$3500.00} from Edfinancial. They told me at the time to wait 60 business days. In late XXXX when I emailed around the 30 business day mark, they told me to wait 90 business days. I emailed them again shortly before XX/XX/2022, and they told me to wait 120 business days when I was originally told 60 business days which has come and gone. I just want my payment refunded. I see other student loan servicers get refunds out to others within weeks, its been nearly 4 months for me. Ive even seen people who have requested refunds on XX/XX/XXXX and XXXX already get theirs processed from Edfinancial due to complaining, when I still havent received any correspondence on my request.

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 2022-03-07
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I tried to contact the company by phone to explain to them i never open this account and they hung up on me over the phone i never applied for this loan when i seen my credit report and a call from them about i owe them that's why I'm disputing this account no knowledge of this account at all anyone can go online and open accounts up in people name and don't have knowledge of it therefore i ask that this account be remove from my credit file and not be held liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: AZ
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 disputed the student loan account with Equifax for several attempts..The student loan listed here is not accurate -- Account number, Company Name, is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX Have Received a Loan from XXXX on XX/XX/2021 they have not even received the first payment yet and they automatically sold the loan to another company and my original rep will not even pick up the phone. After everyone set me up the loan was approved no one wanted to help. I was stuck and my service rep new I was stuck without a house. I had a pre approval for 3.99 % and Last Minute a week before closing escrow they told me I was not approved and charged an extra {$30000.00} and raised the interest to 4.89, They Knew I could not back out because I has already had paid a {$30000.00} contingency which is non refundable. I really wish they never gave me a preapproval. I could not sleep at night because of the way they set me up. I would talk to the Loan officer everyday so he knew me very well. The payment they showed doesnt match what they told me and emailed me on paper. I was also told that I would receive a check for all of the over payment I made and still havent. The house I purchased was for {>= $1,000,000} in reality with closing coast they charged me almost {$100000.00} For closing that is straight getting robbed I understand people need to make money but there was no honesty. I am a little bit old fashion and I trusted what the loan person told me but now im the one getting handed to from all ends. The money in escrow shows XXXX, but XXXX has can canceled and put a stop payment for XXXX and when I asked the Rushmore rep could not tell me, the question is where my money went and why is my loan much higher. I have paid for the whole year of full coverage insurance and still getting charge. In This loan Amount I has been charge twice for things that have already been paid I believe it is Rushmores fault for taking new loan they have no idea about. Rushmore rep told me to call XXXX and resolve it. In the loan the three months taxes were paid up front so the first three payments are supposed to the lower than XXXX in reality if everything was really paid up front which XXXX didnt, the first 3 months payment is XXXX. XXXX has to Put the XXXX back into escrow why are they stopping payments on what was paid and in the loan. Also XXXX which XXXX could not closes on time my reps XXXX XXXX and XXXX XXXX that they would reimburse seems like also the put on the loan. I want to see the trace of where all the money went. This Loan amount is the wrong amount they still charge me for the things I already paid for like appraisal, insurance, tax and other fees I want you guys to go over it and fix their mistakes. If Rushmore wants to take responsibility for the loan I need answers as soon as possible so I know if I need to take legal action this in not my first loan but first time dealing with two mickey mouse companies. I have already reported to the Consumer Finance Protection Bureau and ready to take a lot more steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
I've identified information on my report as identity theft. The items are not related to any transactions completed by me. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Beginning XX/XX/2020, I was contacted by Credit Control. I answered the phone, and the individual requested my information. I refused to give, as I am under no obligation to provide my private information to an unknown and unverified caller. Since then, I have been getting repeated robo-calls from this " credit provider ''. One phone call, they asked for a XXXX XXXX, who is not me. They use several robo call dialers, and when you try to return the call to request information, you are required to leave a message with your personal information rather than talk to a person. Since then, I have sent them a cease and desist letter and email to their complaints division, but that has only increased their calls from multiple numbers. XXXX ; XXXX ; XXXX ; XXXX. 

To date, I am unaware of ANY debts owed that have been sent to any collection agency, as I have been current on all my loans and financial obligations. I have requested for information in writing, to which I have been hung up on. 

This company has been so aggregious in its communication tactics that it deserves to be investigated and reprimanded for its harassment on a person who has no account with them and of whom they can not confirm they have an account that applies to me.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX was not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

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 2021-04-16
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Source Receivables failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. 
As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: ROBINHOOD MARKETS INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Robin hood was doing a deposit rewards thing in XXXX where they would reward you a certain dollar amount if you deposited a certain amount of money. Well I was rewarded XXXX $ on XX/XX/2021 and I've been trying to withdraw this rewards after the advertised 30 day wait and they are telling me its 60 days or that I have no rewards. I just want my funds so I can close the account. I don't like being misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: SC
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 asked for validation of the account and they did not provide information to verify that account was mine. They only updated my report to say that account was valid with no proof of such claims. Account does not apply to me as I never attended said school.

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 2022-09-01
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Auto Pay for Home depot didnt work for some reason and I became behind on a single payment. Tried contact card service but the automated system has me stuck in a loop where I can't make a payment do to technical failure of the Home Depot card service phone and web systems. The customer service is completely automated and I am unable to even talk to a person about my issues. I have been regulated to wait for them to call me but the use a automate system for that too that also can not process my payment.

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 2022-03-09
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I open a credit card with comenity bank on XX/XX/2021 till now I dont get my credit card and they are charging me i pay XXXX $ once the guy told me all my payment is XXXX $ know they are calling again to pay XXXX $ more because there was payment remaining but they never try to help me with my credit card and dont send me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
i sent a le/tter out XX/XX/2020 with no reponse now by law it states the bureaus have 30 to respond and if not it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: OH
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  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 non-monetary relief