BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Your company, Mutual of Omaha Mortgage ( MoOM ), incorrectly imposed a Veterans Affair ( VA ) Funding Fee on XXXX XX/XX/XXXX in the amount of {$14.00}, XXXX dollars. 

On XXXX XX/XX/XXXX, I sent an email to XXXX XXXX, Mortgage Loan Originator with MoOM, expressing my interest in purchasing a home and using MoOM as the lender. In that email I pointed out that I was retiring on XXXX XX/XX/XXXX and that I was expecting a VA XXXX rating of roughly 80 % to 100 %. Throughout several phone conversations and one text on XXXX XX/XX/XXXX, XXXX XXXX was aware I had initiated a VA XXXX claim prior to contacting MoOM. When asked about the funding fee I was told the amount and was reassured that I would be able to request a refund from the VA once I received my rating. 

On XXXX XX/XX/XXXX, MoOM pulled an automated Certificate of Eligibility ( COE ) that stated I was non-exempt from the funding fee. ( Closing was signed on XXXX XX/XX/XXXX ) On XXXX XX/XX/XXXX, I received a disclosure package to sign. One of the documents in that package was the VA XXXX XX/XX/XXXX XXXX, VA Verification of Benefits Form ( see Disclosure Package 1 pg 55 ). When I first received the form box 8 had the I HAVE NOT box checked. Box 8 states, I HEREBY CERTIFY I HAVE/HAVE NOT filed a claim for VA XXXX XXXX prior to discharge from XXXX XXXX service. When I noticed this, I contacted MoOM and informed them it was incorrect and was instructed to mark the appropriate I HAVE box. I was not informed of any requirements of the COE needing to be verified by VA. 

VA XXXX XXXX paragraph 3.c states If the COE displays Non-Exempt, the lender should ask the borrower if he/she has a pending compensation claim with VA. If the borrower indicates that a claim is pending, the lender should request an updated COE before loan closing ( preferably not more than five days before closing ) to verify whether the borrower is exempt. If this step was taken it would have prompted the VA form XXXX to be sent to the VA to request the required info to show that I had a VA XXXX claim in process and would have determined that I was exempt from the funding fee. MoOM did not follow VA instructions outlined in VA XXXX XXXX. 

As of XXXX XXXX XXXX I was given a VA XXXX rating of 100 % Permanent and Total thus showing that I should have been exempt from the VA funding fee. When I asked MoOM about the fee I was told numerous times I would be able to go back and request a refund from the VA after the fact. That is not the case and the VA is not taking any responsibility for the situation at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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 XXXX Account number XXXX has violated my rights Account name XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 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

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 2023-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  misused my personal information. They opened accounts without my consent which are showing on my credit report. This is a breach of my right to privacy and I will hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: The CBE Group, Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went through XXXX with company info on this issue. As stated, I have asked Charter Communications directly ( as told to so do ) as they reported this account as " verified '' when in fact they have not. For if they had investigated this matter thoroughly, they would have noticed that the address used for this account was not factual and that, as I explained to both sides of this matter, I have NEVER had Charter Communications for any service at all. This issue involves some $ XXXX in services which is extrodinary as I can't see any company allowing a bill this large for so long. In fact, we've had XXXX since moving to the city weve been in for these 26+ years. My ENTIRE family uses and has had XXXX for all our services. The nearly 26+ years we lived at the address we resided, we never had outside service from any company outside of the XXXX XXXX. NOBODY has contacted me directly through email as requested, showing the information noted above, and I expect these individuals to do so as requested via email. They have my email so why not send me a copy of their billing, again, as requested. If this bill is ( was ) mine ... and it is NOT ... if it shows my name/address/city or state, then there should be no legal reason why this matter should continue to drag on and my dispute won't have to go through the courts as is my next move! XXXX XXXX have their issues, but they work with ANY customer they serve and give out the correct information providing your information given can be verified ... NOT CHARTER COMMUNICATIONS as everybody must all be giving out wrong info and if you have a bill/debt with them, they do NOT want you to be able justify their means for reporting very wrong and degrading information that effects everything an individual is attempting to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX MO XXXX Mo 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 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 2021-04-10
Company: EQUIFAX, INC.
State: FL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: IN
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:
Attached is a dispute letter that i sent to Experian that details the items on my credit report that i requested a verification on. I made it clear that my request was to validate that the items on my report were in fact true. It is my belief that the items detailed in the letter did not recieve the proper attention by the letter of the law.

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 2021-06-14
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A garnishment suit and was taken against me about a debt from XX/XX/XXXX to XXXX that I never knew anything about. An email do the suit was sent to me from my employer In early XX/XX/XXXX about wages being garnished on next pay check. Claim was taken out from XXXX XXXX XXXX XXXX who claim that they couldnt give me much info because I obtained counsel from my employer which I nor my employer knew nothing about. To gain anymore info about the debt, I reached out to Unifund CCR Partners who gave me as much info as they could. Firm representative XXXX told me the debt was from XX/XX/XXXX and payments were made up until XXXX. The debt is almost 20 years old and I dont believe it to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account in XX/XX/2023. I set up semi monthly direct deposit totaling a {$1000.00} per month. It was deposited every pay period through the end of XX/XX/2023. I later found out the bank closed my account between pay periods. They then used this as a rationale to deny a {$300.00} bonus I had earned. The bank closed my account in between pay periods and then open it again with the next direct deposit. I found this policy to be unfair to consumers. Most consumers use their funds in between paychecks. I was not overspending or over drafting the account, I simply used my funds to pay my bills in between pay cycles. I feel penalized for this. I entered into an agreement to open an account with a promotion in good faith and Citizens policies are in a bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
UNAUTHORIZE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2017 I was advised by TD Bank that I failed to pay the real estate taxes on my property located in XXXX, New York at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time I was told that I owed {$11000.00} in real estate taxes. I was still paying the monthly payment on time in the amount of {$2200.00}. 

Apparently the TD Bank repaid the Real Estate Taxes of {$11000.00}. I repaid the {$11000.00} via a certified check to TD Bank. Meanwhile TD Bank increased my monthly payment to {$2400.00}. I have been paying this {$2400.00} since 2017. Meanwhile the bank sent my case to their attorney to commence a foreclosure proceeding. 
I have been in foreclosure since then. This patently unfair. I am almost XXXX XXXX XXXX and this is cruel and unfair treatment by this bank. I HAVE BEEN MAKING THE MONTHLY PAYMENTS CONSISTENTLY TO THIS BANK. Now they want to steal my property and keep the payments that I have made to them. My attorney has contacted them and she is still waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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: Information belongs to someone else

Complaint:
SOMEONE USED MY INFORMATION TO TAKE OUT A CAR LOAN IN MY NAME AND IT APPEARS FRAUDULENT ON MY CREDIT REPORT AND ITS PREVENTING ME FROM RECEIVING CREDIT. I CONTACTED THE COMPANY FOR REMOVAL OF FRAUDULENT ACCOUNT AND THEY REFUSE TO REMOVE THE ACCOUNT EVEN AFTER PROVIDING A FTC IDENTITY THEFT REPORT AND ALL DOCUMENTS NEEDED FOR ACCOUNT TO BE BLOCKED OR REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been informed by XXXX XXXX XXXX XXXX XXXX my account has been sold to jcap.com I did not get rest of personal wealth invested in software to reside in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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

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 2019-07-09
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sold a large piece of shop equipment ( a XXXX XXXX ) through XXXX. The buyer paid by check for {$11000.00}, which including paying for the machine itself ( {$9500.00} ) and additional payment for disassembling the machine ( {$2000.00} ). I said to the buyer : " a check is fine but I'm not giving you the address of the machine or access to disassemble until the check has cleared. '' The check did clear in 48 hours and all funds were in my checking account and so I gave access to the machine so that the buyer 's disassembler could start disassembling / packing - and, as I had agreed with the buyer, I paid the buyer 's disassembler $ XXXX. Five days after the check had clear, Ally Bank " uncleared '' the check and took {$11000.00} out of my savings account, claiming that either the check was fraudulent or insufficient funds. Ally Bank claims it was my responsibility to ensure the check was valid - but Ally Bank 's own terms and conditions / FAQs, etc. place no such burden on me and in fact state the opposite : that funds from checks should clear within 48 hours unless Ally Bank places a hold for further diligence ( which didn't happen ). But for Ally Bank 's incompetence in clearing the check, I would not have paid the disassembler $ 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 monetary relief
Consumer complaint received 2023-02-08
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Saturday, XXXX XXXX XXXX XXXX sent a comfort advisor to my home to recommend an HVAC installation. I was quoted XXXX XXXX dollars to install two units. On Sunday, I declined to proceed with the order. My representative was notified by text and email and assured me he would cancel all on his end. I was pre-approved for financing through ALLY Financial. On Tuesday I received documents as attached. I called ALLY on Tuesday morning about my application and was told by then that the allocation was declined on Sunday XXXX and no further action was needed on my part upon as king for a fax number to send rescission documents to. I have attached my phone call and the documents labeled nonnegotiable to this complaint. At approximately XXXX XXXX  on Wednesday XX/XX/XXXX, I received an email from ALLy notifying me that they have received my signed agreement and awaiting disbursement to XXXX XXXX. I was told the application was denied and no further processing would continue. The call was made to ALLY ended at XXXX XXXX and lasted for 21 minutes. Further more the documents attached tell me to rescind within three days of the date of notice above. The date is no where on the forms they sent me making it impossible for consumers to rescind. I have attached the response from XXXX rep XXXX told me Ally would be cancelled on his end. It is important that disbursements do not take place. It is important that this item is not included in standard credit reporting as a new tradeline to my credit report damaging my credit. Further this loan should not have been declined it should have been withdrawn. They should not have declined me. It is not a fair decision after sending me an approval by email. 

they need to check their records to ensure there is no further processing of this loan. If it hits my credit report it will be damaging. I have contacted my representative to cancel orders the next day. I also contacted ALLY and was told the loan was denied as of XX/XX/XXXX which was the day I cancelled with XXXX 

Please help them to facilitate how to handle this accordingly so that my credit is damaged as a result of processing up to the point. 


Further I recieved the loan documents on Tuesday with an option to cancel by midnight of the same day by mail or physical delivery an hour and half from my home. If I have three days to rescind they should have emailed it too instead. 

XXXX XXXX should not be making requests for any orders because I cancelled installation. The rep cancelled it upon receiving a complaint about his proposal from my by email on Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
After dealing with TD Bank over this issue I did some research and discovered they tried a similar game last year. 

We are am existing business checking customer with TD. TD suggested we open 2 additional FREE checking accounts. 

We opened the accounts and got charged a {$13.00} maintenance fee and a {$3.00} paper statement fee. 
We were told explicitly the accounts were free. We were even opted out of paper statements on our existing account. 

TD opened these new accounts and automatically began charging us for paper statements without giving us the option to choose. This is some predatory nonsense. 

We contacted our local branch a week ago and they are still working on it. 
After reading about situation with TD misrepresentation if fees in 2020 I realized this is a similar gambit. 
Banks are out of their mind for pulling these tricks in modern times. We're not going to stand for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 ACCOUNT 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