BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
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: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
State of Arizona sold a house through Navy Federal Credit Union and Veterans Administration ( NFCU/VA ) in XX/XX/XXXX. State of Arizona failed to disclose XXXX in the running water until 2 days after closing. VA " guarantee '' was paid {$7400.00} of my money by NFCU for mortgage insurance " funding fee. '' Witch should have been waived because of my XXXX. Law suit was filed in the Superior Court of Arizona on XX/XX/XXXX case number XXXX XXXX & XXXX. They broke the LAW, and then run to alter their policy to try to cover for their lawlessness. NFCU whom I made this deal with, refuses to work towards a resolution, projecting their responsibility over to the State of Arizona and VA. VA is no help. NONE. The {$7400.00} given over to them was for their own enrichment, and to disadvantage me. NOW, NFCU & State of Arizona are lying again regarding an unlawful " auction '' which they say took place on XX/XX/XXXX, using " Commercial Lease '' property law, to bypass foreclosure law, and attempt to enforce a 5 day eviction notice. THE LAW IS NOT DEAD! ARE THE AMERICAN PEOPLE? If " We The People '' DO NOT STAND AGAINST SUCH TYRANNY, WE SHALL BE OVERCOME!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: AMERICAN EXPRESS COMPANY
State: SC
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 with American Express for over 4 years and this is my 2 time applying for another card and a credit limit increase and I have been denied. This is an unauthorized use of my credit card ( 15 USC 1602 ) American Express used my credit card and I didn't benefit from it on them. American Express can not deny me my own credit because that is a violation of 15 USC 1691a ( 3 ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction - ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1691b ( 1 ) says It shall not constitute discrimination for purposes of this subchapter for a creditor - ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness.

American Express denied my applications due to credit worthiness which is a violation under the Equal Credit Opportunity Act and according to 15 USC 1691g they are civilly liable for the violations the committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a very happy member of Navy Federal Credit Union with 3 open accounts ; an " EveryDay '' Checking account, a " Share '' Savings account, and a vehicle loan account. I was laid off from my job, moved and attempted to contact NFCU to apply for a hardship for my account in order to not loss my truck and/or my accounts with NFCU. I made payments on my vehicle loan as often as I was able, if I had an extra {$100.00} then I would immediately transfer {$100.00} to the loan account. Suddenly, and without any notice from NFCU my account was suddenly locked and I was unable to make any payments to my loan account or attempt to add funds to my checking account. After attempting to contact NFCU, without success, my account turned over to a collection agency that harassed me with threating phone calls. Each time I was yelled at by the Collection Agency I attempted to ask for a contact person representing NFCU in order to settle the matter with NFCU directly. My vehicle loan account was still open, and I was still making payments to that account the entire time I was dealing with the collection agency. I am now trying to get my checking account back in good standing and they continue to dodge every call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I was wrongly denied a legal loan modification agreement by Wells Fargo Home Mortgage for my FHA 30 year fixed loan. WF refused to rewrite the terms of my mortgage fairly by offering a FRAUD modification agreement under HAMP Trial Period Plan. I fairly demonstrated my eligibility during a trial period. I am requesting WFHM to provide a fair modification agreement to add the delinquent amount to my principle balance by adding 3 months to the term, keeping the same rate/not increase the rate ; along with removing {$30000.00} off of my principle balance by the XX/XX/XXXX due to their negligence or action will be placed. I will file this HUD and SIGTARP as well. 
As you can see WF offered a Home Affordable Modification Trial Period Plan ( HAMP ) Plan-see documents attached. As this program expired in XX/XX/XXXX. I contacted HUD as their confirmed this info. I informed XXXX with WF of this info 4 weeks ago as he indicated he would research as I havent heard back. Even though WF aware  of my financial struggle in trying to keep up with mortgage payments and lower income ; they never tried to sincerely and fairly assist me in a proper plan. I asked the counselor at the time XXXX XXXX if they could reconsider another program as this plan wouldnt help me WF adding SIX YEARS to my loan for being {$2000.00} short/delinquent or 2 1/2 payments behind. This seems as if its helping WF by XXXX. To XXXX due to the increase in term and rate. How would this help me? It helps WF $ $ $ $ I missed XX/XX/XXXX and XX/XX/XXXX payments due to a layoff. I contacted WF and was assigned to XXXX XXXX. I completed paper work. The fake program was offered. I also request to provide the terms and conditions along with APR, amortization as they refused to provide. The only provided the amortization and I received it AFTER they indicate they would provide before my MOD Agreement expired. I also asked to remove the MIP as they refused to remove and I am still paying on it. See attached. As you can see my payments NEVER DECREASED. My made up a lie and excuses by stating escrow increased. IT Didnt increase, My mortgage insurance and taxes DECRESED! Im exhausted with the unfair treatment and false actions and statements. Please review and let me know if my rights have been violated. Documentation is attached for your review. WF should be a part of a Class Action as WF continues to do whatever they want and I have no rights. WF never sincerely made an attempt to assist me, but bogusly sent fake info to set me up for foreclosure. Not fair.

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 2017-02-28
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I feel that I have been denied a loan modification because my husband, that has passed got behind. but for more than a year I have kept the mortgage up. They keep selling our loan. With this always a higher interest. I pay 8 to 10 thousand a year on interest alone. with only XXXX coming off each year. this will never get payed off. This is so unfair. I have tried to refi. but I have a chapter XXXX to pay up my bills from my husband. I just want a better rate to pay it up faster. the mortgage company says the don ' t do any in NY. but take my money. Help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Credit determination

Complaint:
I purchased a flight with XXXX and was offered a {$100.00} statement credit for signing up for a Bank of America credit card after making more than {$160.00} in purchases within 90 days. However, after applying for the credit card, the terms changed and Bank of America requests {$500.00} in purchases. The advertisement is false for Bank of America on XXXX website and seems to be changed by an amateur. Anyone can view this ad by reaching the checkout page on XXXX ' site. I have included a screenshot for review. When the customer clicks on the ad, it goes to Bank of America 's application process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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:
In Mid XX/XX/XXXX, I tried to apply for car loan and was denied credit due to an item that was negatively reporting on my credit report. I pulled my credit report with XXXX and discovered that XXXX XXXX XXXX XXXX ( XXXX-XXXX  ) was reporting inaccurate information on my credit report. On XX/XX/XXXX, I sent a letter to XXXX, Transunion and XXXX to correct/delete the inaccurate information being reported on my credit report. The big obvious items being reported was DATE LAST ACTIVE : Transunion XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX clearly my account has been re-aged and dates across all credit agencies were different ( Ref.A ). On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that stated " We have reviewed the history and activity and believe your account has been reported accurately and completely to the credit bureaus. '' ( Ref. B ). I received letter from Transunion on XX/XX/XXXX stating that my account has been " verified as accurate, however, we updated : Past due ; Payment received. '' ( Ref.F ) If this was verified as accurate why did Transunion need to update? XXXX results recieved on XX/XX/XXXX claiming they have updated the information. ( Ref.E ) I recently pulled my credit report from XXXX ( Ref.C ) on XX/XX/XXXX and discovered more inaccuracies 1 ) DATE OPENED : Transunion-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX 2 ) HIGH CREDIT : Transunion- {$2900.00} XXXX- {$0.00} XXXX- {$3000.00} 3 ) CREDIT LIMIT : Transunion- {$3000.00} XXXX- {$3000.00} XXXX- {$0.00} 4 ) LAST REPORTED : Transunion-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX If XXXX XXXX/ XXXX-XXXX  investigated and believed this was accurate, Transunion & XXXX last update was in XX/XX/XXXX. 5 ) DATE LAST ACTIVE : Transunion-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX 6 ) DATE of LAST PAYMENT : Transunion/ XXXX:XX/XX/XXXX XXXX- XX/XX/XXXX As an consumer, I made all the valid reasons to request a fair investigation. It seems XXXX XXXX XXXX XXXX/XXXX-XXXX  and the all the credit bureaus failed to perform their due diligence to report accurate, verifiable and complete information. This account resulted in headaches and stress and the inability to get approved for a car loan.

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 2023-09-18
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
We bought our home on XX/XX/XXXX. We had intentions of repainting the home as well as some other needed updates before we could move in. On XX/XX/XXXX XXXX XXXX caused severe damages to our home preventing us from moving in on the date we had intended to which was XX/XX/XXXX. The dates leading up to this, we were renting a condo for the past XXXX plus months. We paid our rent for the XXXX of XXXX so we could move out and also help the landlord find a replacement. That being said, after XXXX we didnt expect to have to keep paying rent as we were to be moved into our new home. We had an agreement with the condo that we continue to live in and rent from on a month to month basis till our new home has been deemed-livable. So our situation was having mortgage with XXXX fees plus paying to rent till our home is completed. With this situation we are also stuck with multiple bills to pay as well. we are finding it nearly impossible to pay for all this. That being said we filed for loss mitigation and paid our rent so my children had a roof over their heads and able to still go to their school. We moved into our home finally mid XXXX of XXXX where once we moved in we have paid our mortgage for the last XXXX months, while this is being resolved. Since XXXX it has been difficult to get the process resolved and our biggest concern is how much this has effected our credit scores. My wife and I have had a decrease in credit of over 300 points. Mostly from dovenmule saying we are missing the payments. On top of that we have had person come to our home and take pictures of place and questioned me as well. We have been through so much with the hurricane now being harassed and made to fell like we have done something wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: LA
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 sent numerous complaints though CFPB and disputes letters regarding this situation and Experian has done little to nothing to resolve this matter. My first complaint to CFPB following date is XX/XX/2019 complaint number is XXXX and Experian responded back to this complaint that they will send me a copy of my credit report and for me to send in information to dispute this matter which I have already done more than four times. Then XX/XX/2019 I sent another complaint through CFPB the complaint number is XXXX and I was told the company needs authorization from me and no further details was listed. My complaint included three different companies reporting on my credit report fraudulently and all Experian responded back was company needed authorization no further details about which company needed authorization. I also sent disputes to Experian following dates areXX/XX/2019- XX/XX/2019- XX/XX/2019 - XX/XX/2019 - XX/XX/2019 and neither time Experian responded back to me and told me the company needed authorization in reply to the previous disputes ; neither is experian being clear about which company needed authorization. Why haven't I been told this information? Also this dispute has been well over 30 days. I've submitted a police report, driver license, bank statement, and a sign notarize affidavit to experian also.

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 2022-12-26
Company: EQUIFAX, 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: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: ZENCO COLLECTION, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XX/XX/2017 at XXXX a " XXXX '' left a voicemail on my phone stating that they had " received legal documents to be processed against my social security number immediately through the XXXX County Courts , case # XXXX, '' she left a " direct '' phone line of XXXX. 
I returned the call, was verbally harrassed, intimidated, threatened, and lied to. A Senior Manager " XXXX '' actually yelled and raised his voice at me, claimed he had an " attorney '' on the line monitoring the call, and wanted to ask me a " question straight out '' ... XXXX hung up on me. Repeated attempts to call back were received with tremendous threats of legal action yelling, and accusations of harassment. The three or four people operating this business, are attempting to collect a debt they do not own, are lying about legal action, are using my information illegally, and are not following proper standards for FTC and CFPB standards. These individuals are misrepresenting themselves, lying, threatening, and attempting to receive money they have no right to collect. 

Law Enforcement should be involved as these individuals are verbally abusive and are violating nearly every FDCPA law. 

XXXX Fair Debt Collection Practices Act - As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act - 1692-1692p I will be pursuing Zenco for damages in full through the legal process and remedies afforded to me. 

http : //www.zencocollects.com/contact-us/ Zenco Collects XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2017-02-15
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
on XXXX/XXXX/XXXX I attended a workshop where I got information about the NACA program on XXXX/XXXX/XXXX I got my first appoitment with a loan officer and she pulled my credit report that I paid. at that time I sent her a completed loan application with my incometaxes for XXXX & XXXX with paystubs, bank statement, purchase contract, prelim rpt and authorization for naca to process my loan.and now nobody is responding to my emails. So in XXXX XXXX Seller told me that a real estate agent is involved and going to help but NACA employee are relutant to provide information about the loan to him. Up to this moment I have not been provided with a good faith estimate or any loan info

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: 1st Franklin Financial Corporation
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I lost my job and went 3 months without pay. I still paid until money ran out. I told manager twice about my situation. He agreed for me to pay what I can when I get paid. So I paid at times I had the money. It may have been {$50.00} or {$100.00} but I have been paying them. I am behind on the loan and I know and understand this but I am paying when I am able and they are accepting the money. They continuously call my parents home phone which I and they have asked repeadily to stop because I do not live there and they have nothing to do with the loan. They even have my new address in which they have sent mail to me. They call me continuously telling me they can no longer accept the {$50.00} payments that I must bring the loan up to date. This ridicious because I have lost a job and started another that the income is less than half of what my job was at the time of the loan. I pay what I can which is more than paying nothing but yet I am still threatened and my phone is constantly ringing from these people which is nothing but harrassment. I want them to stop call me and stop calling my parents home and not to call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed my inaccurate XXXX item with TransUnion. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is XXXX, which it was. Anyone could look at the item and see it was inaccurate, without information from the furnisher. TransUnion made no effort to investigate. Please delete this item.

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 2022-05-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity theft, the account that was open, was not opened by me and I did not give anyone permission.

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