BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: eMortgage Funding LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX XXXX # XXXX XXXX. I refinanced a mortgage through eMortgage LLC based out of XXXX MI. when i started my loan they told me that they would take care of the appraisal cost of my loan. On closing day my loan officer told me that he would have his company write a check the following Monday. He said this after I question why the appraisal cost was still on the loan documents. I asked if there was anything I needed to do to remind him or to make sure it happened that Monday. He said no. I waited over a week and asked him if they had sent the check and he said no, because they hadn't been paid for closing the loan yet. I waited a few weeks later and he pretty much ignored my texts and calls. finally I reached out by text informing him that I would be filling a formal complaint with Consumer Finance and XXXX if he didn't make it right. He reached out immediately saying give me a little time. He said he would probably have to pay for it out of his pocket once he got paid and his supervisor did not want to pay it now. He said he got paid on the XX/XX/XXXX. I asked that he reach out to me on or before that date to let me know if his intentions were still good. He said he would, but due to this complaint he has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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 fraud alerts or security freezes

Complaint:
Last year my bank erroneously gave access to my accounts to an unknown party. I have activated fraud alerts and freezes at all 3 credit reporting agencies. Trying to have the fraud alert removed by Experian has become a trial of patience that they are winning. I have been hung up on, told to upload documents to a site that will not accept documents, have been in the endless loop of computer phone calls that end in a computer telling me they can't help me to being transferred to voicemail accounts. I finally talked to someone that said it will take 3 days for the removal - so much for getting electricity today .... 

These companies have such control over our lives and are adding more and more every day, like insurance - auto, homeowners and health now use your credit score for rate determination. I have spent 3 hours talking to numerous foreign countries today with zero results. Be wary about putting any alerts on your credit record.

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 2023-04-03
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:
TransUnion Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, https : //www.transunion.com/credit-disputes/dispute-your-credit, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my TransUnion Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the TransUnion Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens bought our loan in XXXX. I have paid all of our payments on time or early. I was paying {$500.00} biweekly. 

In XXXX of XXXX this became an issue with Citizens even though I was about {$3000.00} ahead on our payments. They stated, among other things that we could not pay ahead and that we owed money due to placing an escrow on our account- even though we submitted documents that we did not owe any money as we were paying our taxes and insurance ourselves. 

In XX/XX/XXXX, Citizens started returning our checks- I sent them back to them with a letter stating they were to be applied to our account and that the situation needed to be resolved. 

In XX/XX/XXXX, Citizens stopped allowing our bank to send payments to them ( they were automatic ). 

In XX/XX/XXXX, I had to send Citizens attorneys {$11000.00} to prevent my home from being sold/foreclosed on. 

I felt this would create a fresh start, but in XXXX of XXXX we started getting the same letters. This time I have kept very specific records of my conversations with them. I have stopped paying ahead on our mortgage to prevent issues, but once again, there are issues. 

In XXXX of XXXX, I was notified that Citizens had sold our loan to XXXX. They are now pursuing collections on us due to the file submitted to them. 

We are about to loose our home, our credit is destroyed, and my husband may loose a job opportunity due to our credit ( due solely to Citizens ). 

We want our account corrected and our credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
USAA who I have been with since 2016 reduced my limit from XXXX to XXXX. After I paid off the remaining balance. After an extensive conversation they said it was due to late payments which is impossible since payments were direct drafted. Essentially after further discussion it was because I had paid the card off. Thus reducing my available credit by XXXX. This will drastically affect my purchasing power thus lowering my credit limit harshly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am writing to request that you remove the following inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo foreclosed on our home in 2012 despite a year-long battle to try absolutely everything and being denied multiple times for assistance from them. The investor who purchased our foreclosed home told us on the day he picked up the keys that Wells Fargo had no intention of ever helping us whatsoever, and knowing that, his company would specifically go for homes with Wells Fargo mortgages because they knew they never helped their customers. I contacted them the first month we were going to be late on a payment because my husband lost his job, they told me they couldnt do anything until the 90 day mark. When we contacted them again at the 90 day mark, they told us there was absolutely nothing they could do and they had already started foreclosure proceedings. They lied to me, I fought with them for a year to try to keep the house and they denied every single thing we tried.

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 2019-06-15
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used XXXX XXXX for a Lot that I had with my friend in the Florida keys. We paid XXXX XXXX for 3 years and XXXX never installed anything but we never stopped paying. When we got ready to sell the lot we receive a bill of {$110.00} dollars. We placed our concern with XXXX but they did not waive the bill. Bill was paid XX/XX/2018 with confirmation number XXXX and XXXX XXXX was the representative that helped me. This is abusive action and my credit has been suffering because they placed an account in collection for {$110.00} dollars.

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 2023-03-30
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-27
Company: MARINER FINANCE, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for employment and was offered a job with Mariner Finance XXXX XXXX, SC. I was excited to start this career as I have tons of experience that would have helped this company grow. They utilized XXXX XXXX XXXX to conduct their background report which I was not at all concerned about. When the results came back, I was appalled to discover that I had a public record from 21 years ago ( I am XXXX now and would have been XXXX when that was reported ) that stated I had written a {$66.00} bad check. This was all handled over half of my life ago and was a huge misunderstanding. I was not given a chance to explain this and was immediately denied employment. 
This denial is discriminatory and against the law. The law states that consumer reporting agencies are not to report outdated negative information more than XXXX years old ( bankruptcy being 10 years which I have never had ) and I did NOT agree to anything being pulled past that date. This should turn into a HUGE legal issue for both XXXX  AND Mariner Finance as I feel like I was unjustly discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
On my credit report is an item from XXXX XXXX XXXX and XXXX XXXX XXXX. In both of these instances I have spoken with the agency and both have assured me they have reached out on my behalf to clear these items from my report. I have disputed these items as well as letting the credit bureaus know that I have reached out. The bureaus continue to come back with these on my report despite the fact the both XXXX XXXX and XXXX XXXX have assured me that they put in the forms to have these removed. This is an unethical practice and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Bureau of America has been sent out collections notification to me regaurding an alleged debt to XXXX XXXX XXXX XXXX in the amount of {$1800.00}. 

I responded with a letter asking to verify debt. They sent me back on XXXX documents that they say verify this debt as being mine. 

I NEVER signed a contract with XXXX  XXXX  XXXX XXXX. 

The original contract I had with XXXX XXXX XXXX was terminated XXXX when my unit was put up for auction, as per the letter I received from XXXX and XXXX. I spoke with XXXX the manager at XXXX XXXX XXXX  at the time and informed her that I was not able to pay the outstanding balance of {$410.00} prior to the auction date and advised her to proceed with the auction to clear the debt owed and she agreed. 

XXXX XXXX XXXX XXXX never sent me to notice of them acquiring the unit by mail or otherwise prior to my verification letter sent to XXXX on XXXX. The first time I have seen this was AFTER I asked them to verify the validity of the debt from the collection agency. I received a letter dated XXXX notifying me that the unit that was purchased and was now owned by XXXX XXXX XXXX XXXX. 

COLLECTION BUREAU OF AMERICA has NOT provided proof that I signed a contract with XXXX XXXX  XXXX XXXX, nor that I was notified of the change of companies prior to XX/XX/XXXX. 

If my contract was not terminated on XX/XX/XXXX with the auction that was held by the XXXX XXXX XXXX XXXX then XXXX XXXX XXXXXXXX XXXX held on to the contract from the time of acquiring the business until XX/XX/XXXX to build a XXXX XXXX enough to take to collections, knowing that I was in default and up for auction PRIOR to them purchasing the business. On XX/XX/XXXX I received my auction notification from XXXX XXXXXXXX XXXX XXXX in the amount of {$410.00}. 

XXXX XXXX XXXX XXXX never notified me of an auction that was held for my items since they have acquired XXXX XXXX XXXX XXXX. 

The contract that was sent to me was part from XXXX XXXX XXXX XXXX and part from XXXX XXXX  XXXX XXXX. The documentation has been altered and presented as though it is original documentation. I have my current contract with XXXX XXXX XXXX XXXX 

The ledgers that were sent from XXXX XXXX XXXX XXXX via XXXX XXXX that the unit was processed for forclosure on XX/XX/XXXX with 8 months of increased fees ( no notification sent prior to those fees increasing ), insurance fees, and late fees. My bill went from {$410.00} dollars to allegedly owe {$1800.00}. 

From the ledgers that were sent to me on XXXX, I show fees of {$740.00} that were obtained from the auction that was held. No notice was sent to me regarding this auction during any phase. 

Collection Bureau of America is continuing its collection on me with documentation that is not legit and practices that are not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I purchased an XXXX and was financed with XXXX XXXX XXXX in XX/XX/XXXX in which my first payment was not due until XX/XX/XXXX. Unfortunately, after I purchased the vehicle, the government was shut down and I was on furlough and just last month received my retro pay. Due to this I requested a balloon payment or some sort of assistance in making my first payment as I had no money or means to make it and desperately did not want to miss the payment or have it negatively affect my credit report. 

I was told in early XXXX that they had placed the request and I would be receiving the forms to review, confirm, and sign and since it was shutdown, they would only put one, instead of the two, payments to the rear. After 10 business days, I noticed I had not received the forms and called to inquire, in which time I was advised that they were not sent, as the representative did not send them because although she said the manger had approved it, they did not sign it. They then stated they had put in another request and I would be receiving the forms again in the mail. I waited again and now the due date, which is XX/XX/XXXX was her and I was getting anxious and nervous as I was still without funding and no work. When I called back I was told that I was misinformed the entire time and they had no relief for the shutdown victims unfortunately and that I need to make a payment asap to avoid a negative remark on my credit and have a late fee. Of course, I was very upset and had to scramble to make the full {$740.00} payment and now am at a total financial hardship as to where I could not even make the payment in full on time last months and trying to recover from everything has been challenge and not to mention a total financial hardship. 

I placed a request in two week ago for some assistance again and advised the payment would be late but was there anything they could do because of the circumstances and requested to have a courtesy credit mark removeable, as they reported late, and my credit has gone down an entire 30 points, which is very hurtful to me and my credit. Although the request was placed, again when I call them I get the run around and no word yet if it was or was not approved. 

With all being considered and reviewed, I am desperately requesting that they do a one-time courtesy removal of the negative mark on my credit report ASAP. I want a confirmation of the approval for it too, so I can have to send to the credit bureaus to ensure they remove it in a timely fashion.

Company response to consumer: Closed with explanation