BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a FHA Mortgage through Southeast Mortgage of Georgia. The night before our closing date, they informed me that I was denied of the financing, due to insufficient income. I changed jobs almost 3 weeks before my close date, but they didn't say this was an issue until the night before closing. They asked if my wife could be added to the loan, and we told them it was a possibility but not something we wished to do, or we would have done so from the beginning of the application process. They asked for some financial documents ( pay stubs, bank statements, a picture ID, property tax information and a mortgage statement for our current home ), which we provided, but never mentioned pulling her credit. After providing the documents listed above, we were informed on the XX/XX/XXXX that we still would not qualify, due to our Debt To Income Ratio. They then pulled her credit at all three Credit Bureaus, XX/XX/XXXX and XX/XX/XXXX, without our verbal or written consent. 

My wife is subscribed to a credit monitoring service and this is how she was notified of the inquiry. No one from Southeast Mortgage ever told us they were pulling her credit, nor was this necessary due to us being unqualified. This is a serious violation and we don't want this to happen to other borrowers in the future. We appreciate you looking into this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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: 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 2022-05-30
Company: EQUIFAX, INC.
State: SC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. 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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 XXXX data breach and may have got into the hands of the wrong person.

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: EQUIFAX, INC.
State: CT
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 the past three years I have been disputing serval accounts on my credit report. In the past month I have submitted serval disputes for XXXX accounts which XXXX has failed to take into account of the supporting documentation. My last attempt was made today XXXX to have both accounts removed from my credit report. The credit bureau continues to violate my consumer rights by reporting incorrect information on my credit report. This credit bureau failed to properly investigate and report accurate information on my credit file. Also this debt collector has agreed to closed and requested for deletion of accounts to be removed from my credit report. Please see attachments on how the credit bureau allowed a company to violate my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We never stopped paying PNC Bank After proving PNC wrongfully started foreclosure proceedings in XXXX while our account was paid up to date, PNC Bank retaliated by forcing the entire loan due immediately. They would not let me pay one dime more on the loan it was all or nothing. 
I have proof that PNC Practices have been abusive, deceptive, and unfair. After filing a complaint with the Consumer Financial Protection Bureau and not getting anywhere had no choice spring XXXX but to file for a modification to stop the foreclosure. Once again, no communication or notice was given but I kept calling to find out we were granted a trial modification at a very high rate we were expected to pay {$2000.00} a month on a $ XXXX HELOC. I made the payment, tried calling to confirm with XXXX XXXX at PNC, no reply, out sick then off work. Found out from another PNC Bank representative over a month later that the payment went to the wrong department! That is why it was returned! 
Total breach of fiduciary duty, what about due diligence? A simple note in our file, anything, to let someone know the status?? By the time all this was figured out and explained we were not only under foreclosure, but a sheriffs sale was set for XXXX XXXX XXXX 
No one should live with despair like this! Culpable negligence, PNC misapplied payments, harassed me, charged enormous fees, penalties and continued to debit our account until it was overdrawn. 
Our home is listed for sheriffs sale on XX/XX/XXXX for $ XXXX? How can they do this to us? Wont anyone help? 
Ive kept a listing of PNCs unprofessional behavior over the years and what I have had to endurePNC is a glorified loan shark taking advantage of less fortunate. The HELOC in question was a high interest predatory loan solicited by a bank representative, XXXX XXXX. This same bank representative granted my husband a $ XXXX second mortgage loan 14 months prior to discussion of the HELOC ( the terms of the loan had him paying interest of 50 % of the loan principle ). My husband could not make the $ XXXX second mortgage on time but that same bank rep granted a $ XXXX additional HELOC? My husband overdrew his PNC checking account 15 x the three months preceding the HELOC approval date and with the $ XXXX loan we already had no equity left in our home! 

Since this loan was taken out I've had XXXX children, XXXX twice and it looks like a possible third and final time... I'm trying to be responsible and pay what is due... they took advantage and have made my life a living XXXX. Everyone in the neighborhood knows, my kids friends say things to them. ( My daughter is in XXXX XXXX/my son in XXXX XXXX ) ... they are both XXXX XXXX.. PLEASE HELP US! Can anyone help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: PA
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo is currently one of the larger banks that are still charging over draft fees. I have tried to get assistance in the past and they help out with a portion of the fee. They don't assist if you have needed assistance before. For the month of XXXX I have received 9 Overdraft fees. They charge {$35.00} per over draft. Some of the charges were less than {$35.00}. On XX/XX/XXXX, they charged me 3 overdraft fees for the same restaurant. The restaurant was supposed to run it as one ticket. But prior to going to the restaurant the money was there. When Wells Fargo decides to pay merchants they do an algorithm that seems unfair. I am just concerned that I have been a customer with them for over 19 years and they can't do anything to assist. When my paycheck deposits to the bank account on XX/XX/XXXX. I will literally have no funds. Since I have {$310.00} worth of overdrafts. This will make it harder for in the upcoming weeks trying to provide for my family waiting on another 2 weeks to be paid. I don't want to cut off the overdraft protection because I need it. But there has got to be something that can be done about banks that still charging the overdraft fee. Maybe not making it {$35.00} or limiting the amount of overdraft fees you can get in one day. I am begging at this point to get some help with these fees. I didn't want to lodge this complaint but I don't know what else to do. I am getting no where when calling in Wells Fargo. They have been great to me as far as customer service. But I really need some help. Please help with these overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were 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 need to be investigated and corrected for 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received my new mortgage amount from Arvest Mortgage Company which increased from {$740.00} to {$1200.00}. Most of this amount is for the escrow. The house I bought was a new house, and I was informed by the previous mortgage company servicing my mortgage to be sure to add extra amounts to the payment for the escrow account which I did. 

Around XX/XX/XXXX, I contacted Arvest to see if I could work out a better mortgage payment by lowering the escrow amount by {$200.00}. I received a reply that this is what the calculations came up to and pretty much indicated that there was nothing they could do. 

Around XX/XX/XXXX, I contacted them again, telling them I am a XXXX XXXX  on a fixed income and would they please have it reviewed and see what could be done. I received a reply that it would be reviewed and that I would receive a response by XX/XX/XXXX. As of today, XX/XX/XXXX, I have received no response from Arvest.

There are many homeowners in my subdivision that had their mortgages raised anywhere from {$500.00} to {$800.00}. At this point, I am not sure how long I will be able to stay in my home.

Anything you can do to help with my situation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Ocwen Financial Corporation
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Step 1 : What is this complaint about? Ocwen is repeated directly contacting me and im represented by legal counsel, who they know Im represented by legal counsel, and harassing me, who is not actual borrower.

Step 2 : What type of problem are you having? Harrassment and inaction on request for deed-in-lieu of foreclosure.

Step 3 : What happened? Borrower died, Executor hired law firm to resolve foreclosure and deed property in lieu of foreclosure. For over a year Ocwen has not processed request to deed property in lieu of foreclosure, started foreclosure action and continues to harass executor trying to make her take on mortgage liability personally by repeatedly contacting her directly and asking her to sign paperwork. Borrower is deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2023-10-14
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have come to the point where I have exhausted all other options of why American Express has not wanted to honor it's commitment to taking care of military soldiers. One of your campaign themes is honoring and supporting the military but when it comes to reducing the interest rates on your loans, you look the other way. This has at least been gross misrepresentation and neglect not to mention it is against the law. Not only have you done this over the last few years on my accounts but my wife 's as well who is a military spouse ( same household ). I have included some members of congress in the hope that they will ensure that American Express commits to actions versus just words. Included are my orders dating back to 2016 in which case American Express has given very weak answers as to why you can't reduce your interest rates to at least the required 6 % while a servicemember is on XXXX XXXX. I do recall many years ago, XXXX XXXX XXXX did this same thing and paid a heavy penalty in front of Congress and since they have gone above and beyond to take care of military personnel and I think now is the time for American Express to do the same. Listed on the last Fax Coversheet are all of my accounts with American Express as well as my wife 's in the hope that you will once and for all correct your gross mistakes. Attached are my orders that I am currently on dating back to 2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-30
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. 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 2021-11-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was unemployed during the pandemic XX/XX/2020. The mortgage company Mr. Cooper offered pandemic relief. The mortgage payments were to be paused 18 months. The amount was to be paid after I found work. My mortgage with escrow was around {$1200.00} per month. Over 19 months I was to repay the amount at the end of loan. Roughly {$24000.00}. Last week I received a letter to be notified & repay over {$34000.00}. I spoke to a manager who can not give me a reason of the {$9500.00} extra for Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: NV
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 appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX, XXXX, and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the following items as soon as possible : XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX A XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation