BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Working with Cardinal Financial was an agonizing ordeal. As veterans, we embarked on a journey to purchase land in KY in XXXX with XXXX XXXX which was painless. XXXX of XXXX we moved from XXXX, NC fully prepared to live in our XXXX ' camper for a minimum of a year ( and knew we'd likely be living off-grid with external power and local water sources for at least XXXX months ) while we applied for a loan and our new home was under construction. We began the loan application in XX/XX/XXXX after getting our bearings of the area, we initiated a VA new construction loan application with XXXX XXXX at Cardinal Financial. However, after XXXX months, we were suddenly transferred to XXXX XXXX due to XXXX 's inability to handle our loan in KY. Initially, we had confidence in XXXX, but issues with our debt-to-income ratio soon emerged. 

We followed advice to make extra payments and avoid paying off certain loans for deferral purposes, but XXXX 's mistake in calculating my partner 's income led to a mortgage fraud investigation. Consequently, we lost our original home plans with another builder and had to opt for a cheaper option, despite having already paid $ XXXX. XXXX resolved this issue but failed to clarify why our closing costs skyrocketed from $ XXXX to almost $ XXXX for a $ XXXX construction in the XXXX months we worked with her despite asking for clarification. 

For months, we were left in the dark, receiving documents with unexplained amendments and expectations to just sign them in order to keep the process moving forward. At our wits end, and in serious despair at the thought of having to find $ XXXX to close out of thin air, we remained vigilant in asking XXXX why the closing costs were as they were. We were promised answers within a week from XXXX 's manager, and we were abandoned when she went out of office the following week giving us no one to follow-up with. Our attempts to contact her manager and their superior were futile, each time with empty promises of a return call. Weeks prior to that we submitted an unanswered online customer complaint, highlighting our year-long struggles, still with no response. 

Three weeks later, after hours over multiple days on customer service calls, we were finally connected with XXXX and XXXX, who resolved everything within XXXX HOURS. Throughout this ordeal, we spent over $ XXXX to survive in a XXXX ' camper with external power and water. This misrepresentation of the company and lack of communication caused us financial hardship, unexpected costs, and the loss of our original build, which we had already paid for. 

Cardinal Financial, as one of the few institutions servicing VA New Construction Loans, left us feeling trapped, exploited, and deceived. Clients should be cautioned against considering their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted with Ameris bank paperwork and check of {$150.00} for appraisal to get my PMI dropped in late XX/XX/XXXX. XXXX was completed XX/XX/XXXX. On XX/XX/XXXX loans was sold by Ameris bank to XXXX. I have spoked many times to both banks. On XX/XX/XXXX I was told by Ameris bank that everything will be transferred over to XXXX when completed on their end. An additional call I was told by XXXX that everything would be completed by XX/XX/XXXX and sent to XXXX for my PMI to be dropped off loan. On XX/XX/XXXX XXXX stated everything was send to XXXX and they have the appraisal. As of XX/XX/XXXX XXXX does not have the information needed from XXXX. On XX/XX/XXXX XXXX stated that my documents were still in research stage and will not be completed till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Mission Financial Services Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
after I got an credit card my credit score was dropped by XXXX XXXX  and there is no explanation as to why my credit score was dropped by these many points and also when ai am logging on to my account I feel as though I am being cyber stalked because A Calculator pops up and i don't have or have I installed a calculator app on my laptop I know that I lost my wallet but I have been experiencing this type of cyber stalking since I lost my wallet I believe that some in my neighborhood or some one with in the XXXX XXXX XXXX XXXX that is cyber stalking my laptop given i lost my wallet while I was at home I have been reporting this incident as much as I can even now have this cyber stalking calculator in my tool bar nowI just want to know how I can stop this cyber stalking its not safe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Have 2 payments showing past due on my account from XXXX and XX/XX/2002 as I dealt with the death of my Father. I had never been later before and had not been late since and was told they would remove it almost a year ago and it has yet to be removed. Was told today by the company it was up to the credit bureau and I needed to file a dispute. I did that over 3 months ago and the credit card company still has it still reporting the same after I had a conversation with them and was told it would be removed because they had seen how my payment history was and has been since opening up my account with them.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-18
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX {$410.00}

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 2023-05-08
Company: Affirm Holdings, Inc
State: AR
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 XXXXXXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 card account under an open end consumer credit plan as late for d purpose. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX Bank Acct # XXXX, US DEPARTMENT OF EDU Acct # XXXX, XXXX XXXX XXXX Acct # 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 non-monetary relief
Consumer complaint received 2022-01-06
Company: WESTERN UNION COMPANY, THE
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a long term customer of Western Union and have used it for sending funds to relatives overseas for years. Never a problem. 

On XX/XX/2022 I efforted to send {$200.00} to our niece in XXXX and had to provide a copy of my bank account statement as well as my drivers license. I checked status on their website a few times and it was always pending. Then 15 minutes later it says " cancelled ''. 

I called another XXXX customer service rep to try to learn why this was. The only answer was to email XXXX and ask for answers. I did that the same day but the robot response says I have to wait 30 days. 

I am DEEPLY disappointed with all this hassle! In all the years before I've never had a transfer through Western Union denied or cancelled. EVERY time they have gone through with ease. So what was the reason for cancelling my current transfer? I need to know so I can fix it and remain a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX and I am submitting this complaint without any influence from any third party or agency. Please see the attached documents and photo identification as it contains my full complaint, and requests regarding the following account :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 incorrect information on my credit report. I tried to get it investigated via mail on XX/XX/2023, however, TransUnion only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. XXXX did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 incorrect information on my credit report. *THIS IS A DIFFERENT CASE, SEE ATTACHMENTS. DO NOT MARK AS A DUPLICATE. * I tried to get it investigated via mail on XX/XX/2023, however, TransUnion only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. TransUnion did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!

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 2019-06-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The consummation of this lease agreement took place XX/XX/2019. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 usc 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
PayPal banned my account on XX/XX/2023. And, their reason is excessive risks involved in doing business with me. Even if I complied with all their legal documents required. I don't have any disputes nor complaints from my customers until now. My account is more than XXXX XXXX XXXX and I just upgrade it recently to business account when I decided to venture as a freelancer selling web designs, ebooks and web hosting. All my hard earned money underwent XXXX  Day clearing period by PayPal but I don't complain about it. In compliance with there new seller protection program. And now, they are holding my hard earned money amounting to {$370.00} for another XXXX  Days without clear violation on their Terms & Condition. I tried contacting their Customer Service several times and they can not disclose the real reason nor violation of my account. I also tried reaching out via email to their XXXX office but until now they do not respond. 

With that, may I ask your good office for assistance. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Previously unresolved issue by CFPB, where agent ordered Paypal to pay {$2400.00} funds to this buyer, but Paypal had never paid claiming other person made the purchases a DELIBERATLY FALSE, DECEIVING STATEMENT. The same person made the purchases, and the funds to be deposited to THE SAME PERSON 'S ALREADY KNOWN SAME ACCOUNT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.These are the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00}.

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 2023-01-18
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-08
Company: EQUIFAX, INC.
State: MO
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.These are the accounts : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$610.00}.

Company response to consumer: Closed with explanation