BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: E Mortgage Capital, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
On approx. XX/XX/XXXX. I reached out to E Mortgage Capital for a quote. I received a quote and went back an forth with a gentleman names XXXX. There was some misunderstanding on his end and I ended up reaching out to his supervisor. His supervisor who's name is " XXXX - XXXX # XXXX, # XXXX " took over the request. After going back and forth with XXXX, we finally came to an agreement and signed documents moving forward. 

I was very responsive and quick on any requests XXXX and his team made to make my loan process go as smooth as possible. I had little communication from him, no calls back when he did inform me he would call me back. Many of the times I did call him, I was joined in on a three way call with another one of his clients. I hung up multiple times therefore I was not hearing personal information from another client. This happened on multiple occasions. 

I signed closing documents on XX/XX/XXXX. This quickly changed. They stated that my documents were not going through due to some other issues with XXXX XXXX This included a credit dispute that was on my acct. I ran around in circles to get it resolved. After over a week going to my bank, calling the XXXX number to get things taken care of. I was assured by XXXX and his team that this would get my loan pushed through with no other changes. Note, this is well after me signing my CLOSING documents. After getting this taken off. My credit then was XXXX points higher than previous. I was then informed by XXXX that my loan does not qualify and I would need to come up with 5 percent down instead of the 3 percent that I signed for. He ended up working up the loan multiple different ways and informed me he would be waiving all fees for his underwriting to get this done. After going around and around, I supplied him with documents supporting more income from my kids ( survival benefits ). This ended up getting the loan pushed and authorized. He at the end did not waive his fee as he stated and still charged me. 

XXXX had made multiple comments about how much he makes, how much I am " Winning '' by getting house and that it would pay off. He ended up also stating that a lot of other " lenders '' would of dropped me and moved on due to bigger deals out there and that my deal was " minor ''. I am absolutely infuriated by how I was told multiple times the loan terms and agreements, got all the way up to my closing date and the loan terms then changed ( after closing documents were signed ). 

My closing date was missed. I had to come up with over XXXX more than what I was originally quoted and signed for. 

I am more than happy to speak to someone regarding this in more detail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: SYNCHRONY FINANCIAL
State: IL
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:
For three years Ive disputed Sychnory Banks invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes XXXX and XXXX  have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to Sychnory Bank. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXX when I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

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 2022-07-23
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon receiving my escrow shortage notice in the mail on XX/XX/22 ( over 2 weeks after they mailed it on XX/XX/22 ) it gave me very little time to react to the shortage amount. Plus upon discovering they also did not fully calculate the upcoming shortage only the previous year shortage. This still raised my mortgage payment nearly $ XXXX. I expected a slight increase if I paid the shortage based on the escrow recalculation, but I didn't expect it to be that much. I started to calculate it myself and discovered they didn't account for the future shortage they knew was going to occur. This bothered me. I'd rather pay for that upfront than over time. My previous mortgage company gave me two options with the escrow shortage. To either pay what was short and accept the new much higher payment or to pay the full shortage and accept the slightly higher monthly payment. To not be given this option is extremely offensive. It makes me feel like they're attempting to take advantage of consumer 's ability to make decisions for themselves. It's our financial responsibilities, not necessarily theirs and it feels like they want people to default on their mortgages so they can force foreclosures. It's a nasty, slimy tactic. 

Also, I paid more than the calculated shortage, but not quite the full amount of the total shortage because it was in between pay periods for me... I was expecting when they recalculated the monthly payment for my payment to drop below just the " calculated shortage amount '' but instead even though I paid more, it only dropped to the amount they had calculated previously regardless of the additional funds sitting in my escrow account. This was the insane part. I scrapped together the additional amount which was a little over {$300.00} to finish out the full future shortage and was told my payment would be recalculated automatically in XXXX hours ... of course it hasn't been done yet after XXXX hours. So I was fed a bunch of lies because their refund process was much more tasking than just paying the additional funds. It felt kind of like blackmail and I got nothing out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BARCLAYS BANK DELAWARE
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had a Barclays Choice privileges visa card for several years now. The last 2 weeks I have been unable to access my account. It keeps coming up can not access for security reasons. I have tried for 2 weeks now to contact their costumer service by phone and e-mail. By phone over 10 hours listening to the same recording please wait for next available agent. I have never over the years had a problem getting through to resolve an issue. I tried to e-mail them 5 days ago and have got no reply. I got an e-mail from them today for my monthly statement. But I can not make a payment if I can not access my account. They may be having some kind of Tech. issues, but it would be nice if they could tell us that.

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 2023-09-26
Company: W&A Intermediate Co., LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Wakefield and associates on XX/XX/ about a doctor bill that is past due. Wakefield and Associates have also reported this information to the credit reporting agencies. I reached out to my insurance company to see why the bill was not paid by them on XXXX XXXX  and was notified this outstanding bill falls under the Federal Surprise Billing Law and I am not responsible for this bill. I contacted Wakefield and Associates and they refused to stop collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: Experian Information Solutions 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 XXXX  Account 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.

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 2018-11-02
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:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove 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 2023-09-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, the date in which I wrote and sent certified mail/letter to Midland Credit Management informing them that I am disputing their claim and requesting validation in which I am allowed to under the FDCPA. I requested validation of the debt they say I owe and requesting proof that I am indeed the party they are asking to pay the debt and to show proof of a contractual obligation binding on me to pay said debt to them. I did NOT request a validation of my address, or proof of address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested that if the office was unable to provide the proper documentation as requested, then I will require 30 days to investigate the information and during such time that all collection activity must cease and desist. Informed Midland that if the office fails to respond to the validation request within 30 days from the date of their receipt, that all references to the account must be deleted and completely removed from my credit file and a copy of deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Blackhawk Network Holdings Inc.
State: MN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX has tried to refund my return and this company says nothing about having to call them for a simple return of items bought with the card. Any other prepaid is not like this hassle sending what the person that helped you looked like there name and hair color. Those may have not been the exact wording but I felt like the police were checking me for credit card fraud. This is a on going problem with this company and XXXX  shows that clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: CO
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:
I went to a car dealership and was told XXXX would run my credit to see if I qualified for their financing, but when I checked my credit report it showed a whole lot of hard inquiries that I did not approve. The list is as follows : 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 XXXXt 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: ID
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 on requested documentation of the information each consumer credit reporting company used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded by either saying they don't understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 

Each company was sent a copy of the attached 3 letters ; one sent in XXXX, one in XXXX, and one in XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, 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:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NY
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.

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 2023-03-09
Company: Bread Financial 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  Account # XXXX Creditor : Comenity Capital/ Smile Generation Financial has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit credit card account under an open end consumer credit plan as late for purpos
e.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted information in regards to a debt allegedly owed to SCA collections. I requested the information in which I am legally entitled to receive on XX/XX/XXXX. SCA indicated that I owed a debt from XXXX and place the account on all credit bureau reporting sites I received a response on XX/XX/XXXX. The letter attached indicated that the original creditor provided the information. However, the information was received on what appeared to be a typed word documentation and did not appear to be valid. The company indicated that I currently owe {$130.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by Capital One Bank National. They are being completely unfair and I dont know how to get ahold on them but through this portal, since I have been calling their customer service but I haven't been able to get a solution. 

I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with this situation. 

I was on auto pay, but the system never allowed for auto pay to be set for minimum payment, the auto pay instead just had to be set to an amount he had to keep on changing as the minimum payment changed. 

In XXXX in our state Georgia we were affected by XXXX XXXX. My office was located in the area of the natural disaster at the time, my assistant normally pays my bills for me. The internet had gone done due to this disaster. 

Finally when I did get internet access, the Capital One account was locked, I tried to get capital One to send website log, and Capital One has refused to do so. 

Capital One sent no late payment notices to my address, and when I called to find out why, they said they had been calling me, but the phone number they told me was one that was located in Washington and didnt belong to me. The phone rep could not explain how this happened and said Capital one messed up and they were going to make corrections. 

I am just asking for what is fair in this case : I need to get the late payment reported on XX/XX/XXXX to be corrected on the account. 

The account information is as follows : Account number : # XXXX Account status : Open Type : Credit Card Responsibility : Individual Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-12-04
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX XXXX have some Fruad accounts, addresses, inquiries appearing on my credit reports.

Company response to consumer: In progress
Consumer complaint received 2023-12-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Signed a contract with XXXX XXXX XXXX XXXX to do work shortly after XXXX XXXX, and financing was through their lender, Service Finance Co. LLC. The financing contract and work contracts were signed and approved on XX/XX/2023. Work was supposed to be started by XXXX on XX/XX/2023, but on XX/XX/2023 I received a call from XXXX stating that the permit to do the work was taking longer because of the hurricane. I had mentioned that I need to head back to XXXX to deal with things after my mom 's death, but could have someone at the house when they arrive if I can't get back when work starts. I was told that the work could be pushed out and that they would let me know if pushing until XXXX would cause me to not have my interest rate that was signed for. I did not received any information from either XXXX or Service Finance that they canceled my loan without my written or verbal permission. XXXX did the work and sent me an invoice on XX/XX/2023 saying to pay the amount or contact them for financing. That was the first time I ever heard that I no longer had financing, and would not have gone through with the work if I did not have the same loan terms that I signed the contract for. At this point XXXX is blaming Service Finance and vice versa for being the ones at fault. At this point Service Finance offers me a new finance rate of 9.99 % when originally it was 6.99 %. I feel I have been mislead by both companies at this point, and neither company is accepting some blame and working with me. The rate hike would now cost me an extra {$5500.00} in interest.

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