BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: River City Mortgage LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX ( NMLS ID XXXX ) from XX/XX/XXXXcontacted me to refinance my loan. He said that we could remove the PMI from the loan and save me on my monthly payments. 

He was stating stating my new monthly payments would be {$1600.00} and provided me with a Loan Estimate. Leading into the closing, it was never addressed that my monthly payments would be any different. 

On XX/XX/XXXX, we had our closing schedule. While going through with the closing, I noticed that the new monthly payments had changed to {$1800.00}. 

I stopped signing the closing papers and called XXXX XXXX. He said he didn't get a chance to look at the documents before the closing and that he didn't have access to his PC as it was being worked on. 

I did not hear from him until later asking to have a conference call with him and his boss on XX/XX/XXXX at XXXXXX/XX/XXXX 

They finally called me on XX/XX/XXXX ( they were late ). During the call they were saying that the taxes in the area had risen significantly and this is the reason why. They said they had used the taxes from XXXX to do my estimate. They then continued to try and tell me that my existing mortgage company is not taking enough out in my escrow and that if I did not move forward with XXXX XXXX Mortgage, I would be short by more than {$1000.00} on my taxes for the next tax payment and that when that happened my existing mortgage company would either demand that I pay in full or spread it out in 6 months and that I would be better off moving forward. I asked if we could wait until Monday so that I could talk to my existing mortgage company before scheduling the closing and they said No. If I did not schedule the closing for Monday, it would be too late and that I would have to pay my Mortgage for XXXX and would not get the 2 month break on paying my mortgage like they promised me. So I said to go ahead and book the new closing for Monday, XX/XX/XXXX. 

I then spoke to my husband about everything and we both agreed this did not feel right and to cancel the entire thing. So I emailed XXXX XXXX on Saturday, XX/XX/XXXX around XXXX XX/XX/XXXXCST and told that we decided not to move forward and to cancel this. 

I spoke to my existing mortgage company today XXXX XX/XX/XXXX XXXX to discuss my XXXX account. They said they just did an analysis on it last XXXX and they believe they are in line with my estimated taxes for the year. 

I also noticed that on the Closing Disclosure, the closing costs where {$2000.00} more than what was on the Loan Estimate and this also was not disclosed to me before the closing. 

If I had moved forward with River City Mortgage, my monthly payments would have risen by {$10.00} more a month, even though I would no longer be paying PMI. I feel that they tried to do a bate and switch on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am challenging the validity of bankruptcies being reported on my credit report to all three bureaus. It is to my knowledge I did not authorize any information to be released for any purposes and I would like full documentation and verification that these bankruptcies belong to me as I have gone to the court, and they informed that no such information is released. Furthermore, there is freezes on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2021-04-27
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I financed a vehicle on XX/XX/2021 from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/2021 went back to dealership to cancel a Ford ESP Maintenance Plan in the amount of {$490.00} that was listed on the finance contract. Finance manager refused to cancel and refund the maintenance plan. Contacted Ford Protect Administration on XX/XX/2021 and they cancelled the maintenance plan and sent refund to dealership on XX/XX/2021. On XX/XX/2021 I contacted the finance manager on the status of refund and was told there is no refund and the {$490.00} belongs to the dealership. Finance manager will not send refund to Ford Motor Credit to apply to my account. I have contacted Ford Motor Credit and was told to file a complaint with Ford Motor Company which has also been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX : {$6200.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00}.

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 non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.

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 2023-02-08
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to send a plumber {$200.00} for a job he did for me on XX/XX/XXXX. He told me to send it to his girlfriend since he did not have Paypal. I did and in the comments field I mentioned his name so I would remember what it was for. Transaction ID : XXXX Paypal put the payment into pending status and requested I provide the plumber 's date of birth due to regulations they have. I asked the plumber but he refused to provide me proof of his DOB. At this point I explained this to Paypal numerous times that I could not provide this information and asked to just have the payment cancelled. They always repeat that they need this information and the case can not be closed until I provide the information. The Paypal website mentions case reviews as taking 30 days maximum but I have been waiting 99 days now. I have no other recourse to get my money refunded. Please help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/23 I made a deposit to my checking account at a Navy fcu atm. On XX/XX/23 I received a letter dated XX/XX/23 unsigned from the security department stating that they we're delaying {$270.00} of my total deposit of {$500.00}. j That they were taking this precaution because they have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. There was no reasonable cause to doubt collectivity & this was an outright violation of section 229.13 of regulation cc. This was a check written from one of my accounts to navy fcu, the check was signed and listed my name & address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to retrieve a credit report and a credit score through Equifax and it has gotten me so irritable and very upset. I need them to send me a copy of both my score and report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: NC
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:
IVE NOTICED THAT I HAVE BEEN A VICTIM OF ID THEFT/FRAUD AND ITS STILL GOING ON

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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:
I want to file complaint of the credit bureau delaying my request.. I have reach out to transunion equifax and experian I sent out disputes letters over a month ago and my file just being Investigated. The Inquiry that they said was verified and the account.. didnt reply back. The dispute I sent out they violated my rights 15USC 1681 604 section A,15 USC 1681 Section 602 ,15 USC 1681i they fail to send me the the description of the procedure of the investigation they ignoring my request my rights of privacy is also being ignored please please adress this matter Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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:
XXXX XXXX XXXX XXXX IS REPORTING A REPO. ON MY CREDIT REPORT, I HAVE NEVER HAD A AUTO ACCOUNT WITH XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IS EFFECTING MY ABILITY TO PURCHASE A AUTOMOBILE ALSO KEEPING MY CREDIT SCORE BELOW 600

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 2022-04-17
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent out a validation letter XX/XX/22 I havent got a response. I asked debt to removed deleted off credit reports if didnt provide a contract with me the company within 30 days its been over 30 days no response from company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
According to the law, any authorization or approval of credit must be obtained directly or indirectly from the issuer of a credit card or similar device. The term " Exclusions '' refers to the process of excluding or being excluded, leaving out any unauthorized credit activity. 

Under the law, the definition of a credit card is broad and encompasses various types of cards or credit devices, including cards, plates, coupon books, or any other device used to obtain money, property, labor, or services on credit. It is important to note that Congress explicitly states " ANY card '' in the definition. 

In my particular situation, the credit card in question is my social security card. This card is utilized to initiate every consumer credit transaction, serving as the primary identification for credit purposes.

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 2023-05-16
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fraudulent address and two files for debt collection were reported on my XXXX credit report. Investigation has been filed with XXXX as of XX/XX/XXXX. 

Fraudulent address as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

Fraudulent Collection 1 as follows : NATIONAL CREDIT SYSTEM, Original creditor : XXXX  XXXX XXXX, reported amount owed {$11000.00}, account # XXXX opened on XX/XX/XXXX. 

Fraudulent Collection 2 as follows : NATIONAL CREDIT SYSTEM, Original creditor : XXXX XXXX XXXX, reported amount owed {$6500.00}, account # XXXX. 

National credit system contact info : XXXX XXXX XXXX XXXX  XXXX, GA XXXX. Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A settlement account with Bank of America has been paid off since XXXX. Although I have made repeated requests to have the information updated on my credit report, Bank of America has not taken the necessary steps to address the issue and continues to reflect inaccurate information.

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 2019-06-28
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold the sale proceeds paid off the 1st and 2nd mortgage serviced by Ocwen. I recently pulled my credit report from XXXX, XXXX and XXXX to review my credit report make sure its pristine and a desirable loan candidate prior to meeting with a lender. Having excellent credit and high FICO SCORE I expected.to see the sale information on my credit report with the sale and high credit scoreI should have some good options. Not the case ... ..I didn't understand ocwen reported nothing as if the property never existed as far as credit reporting goes. I called ocwen so many times I lost count, Furthermore, as proof to Ocwen I submitted my driver license, Social Security card, statutory warranty deed, final closing settlement, and sellers statement as proof. Unfortunately, to date I have not heard from Ocwen. 
Im currently working with XXXX, XXXX and XXXX Ive submitted supporting documents. The investigation process takes 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to collect on debts I do not owe. My identity was stolen years ago, and I have also filed a police report. Report # XXXX. I have never signed with these creditors. The bureaus keep verifying these accounts, and I have demanded proof of verification on all XXXX accounts.

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