BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot Mortgage Co. 
My mortgage co. has made a serious mistakeerror on allocating my withholdings for my escrow account to pay my property taxes. And now Loan Depot is asking for approximately {$5000.00} in backpay for their negligence 's. Shortly On my refinancing closing date I had called the mortgage co. ( 3 ) different times speaking with three different representatives. With concerns on my escrow account for taxes, which I specifically asked that these calls would be noted in my account. I was assured by all three reps. that my escrow account was correct. And now the mortgage XXXX is expecting a substantial amount of money from me. And therefore, I hold Loan Depot accountable for this financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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 2023-01-04
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FABCO has been harassing me via my cellphone, mail as well as my consumer report. They are attempting to collect an alleged debt that I do not owe them. Further more I have NEVER signed ANY contracts with FABCO, done ANY business with FABCO nor did I consent to them having any of my personal and private information. I don't know who these people are but they will not leave me alone and they will not remove their Derogatory remarks off of my consumer report which is causing me harm as I am house hunting for my family. They are making it extremely difficult for me to find housing. I am XXXX and I am being further injured due to this matter and I need this handled in a timely manner. I also believe that fraudulently obtained my social security number. Please audit and investigate this matter. Again I have never done business with these people and need to know where and or who they obtained my information from without my consent.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2023-11-22
Company: EQUIFAX, 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:
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 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with 15 USC 1681a ( 2 ) ( b ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '', should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( i ) in which the the term " credit card '' means " any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Congress states any card. My credit card ( social security card ) was used to originate every consumer transaction below. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding you remove these transaction from my consumer report within three ( 3 ) days as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I have included identifying documentation, exhibits and police report documenting the due diligence taken on behalf of myself to avoid litigation with your firm for being complicit in this 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 2023-11-22
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Bank of America closed two of my credit card accounts in good standing without consultation or prior notification. I have never been late on a payment or carried a balance. One of the cards was subject to an annual fee as well, which I paid around XX/XX/2021 ( 4 months ago ). Bank of America refused to reopen my accounts, which negatively impacts my credit. Moreover, after calling, Bank of America refused to refund my annual fee despite the fact that fee was meant for a whole year.

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 2018-08-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The college I attended closed and also I was unable to get a job after graduating. I eventually attended a different college, pursued a different and was paying on that previous loan. I have repeatedly attempted to pursue an income based payment plan with no success, on top of being forced into forbearance. Now my loans has increased as well as interest rates. I have reaching out and spoken to various Navient representatives but have been getting the run around. Now I am completely in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I requested from the three major credit bureaus XXXX, Equifax, and XXXX to remove incorrect reporting of late payments and charge offs and collections and Bankruptcy mostly coming back updated as undefined or remains the same. Some of the late charges were removed and not long they reappear back on my consumer credit report. This is unfair. This is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BOK FINANCIAL CORP
State: OK
Product: Mortgage
Sub-product: USDA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I was given an incorrect breakdown of my closing costs by a sales assistant working on my loan. Upon receiving an email with my closing disclosure and cash to close amount, I reached out to the sales assistant that had been helping with final paperwork. When I asked for clarification, I was told that the total cash to close was correct- {$4800.00} and my gift funds from donors ( {$4100.00} ) left the remaining amount of {$770.00} as my responsibility. This was all I needed to bring to closing, along with the 2 separate gift checks totaling that {$4100.00} amount. After signing all documents, the title company informed me that I was {$4000.00} short and would need to bring this money for my transaction to be filed. After showing them what I was told in writing, I attempted to contact the sales assistant that initially told me the {$770.00} amount. Because I was unable to reach her, I contacted the Senior Mortgage Loan Processor who had been coordinating with the underwriter. She told me that the title company was not correct and requested to call me back. I was called back by a woman named Kindy who confirmed what was originally told to me, that I was only responsible for the {$770.00} amount. Then, I heard the Senior Mortgage Loan Processor state that was incorrect and that I did not understand. At the same time, I received a text message from the Sales Manager stating " it looks like it changed to you needing {$870.00}. '' This totals to 4 different people telling me the incorrect amount, all the way up to the day of closing. I was misinformed multiple times by multiple BOK employees and was not told that the gift funds were applied prior to closing and were actually separate from the cash to close amount. 
This incorrect amount put me in a MUCH less stable financial position as I am going into my first home. My home is in need of minor repairs, new furniture and moving costs that all will be delayed due to this large {$4000.00} difference in closing costs that I was led to believe I was not responsible for. When seeking resolution on my own with the company, I was told that this all happened because I could not understand paperwork, I should have realized something wasn't right and that nothing could be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage First Bank Florida increased my mortgage payments. due to an error in the tax collectors office. The error has since been corrrected and the bank is refusing to lower my payments. 

I have emailed XXXX XXXX for over a month and he refuses to respond to my email. 

Can CFPB please intervene and assist me with getting my mortgage payments reduced to the correct ammount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
There have been unauthorized disclosures of my personal identifying information. XXXX, TransUnion and XXXX are fraudulently furnishing the information listed below. 

The information which appears on my credit report does not relate to any transaction ( s ) that I have made. 

This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. 

I did not authorize, or consent to this information. 

This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. 

This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes. 

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.

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 2022-05-03
Company: EQUIFAX, INC.
State: NY
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:
My credit score has been suffering tremendously because these accounts that i have already settled have not been updated. Also, some of them were sold to a collections agency and that leaves my information being prone to identity theft. Now these bureaus have been hitting me hard for that and I am writing this to ask help from you becuase they wouldnt listen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking account with online banking at BofA. At some point several years ago I established an automated transfer of {$320.00} once a month to a checking account at another financial institution. At some point, I don't know when but I suspect probably during a system conversion or a new online banking app conversion or maybe a product conversion the automated transfer was not viewable in online banking where external transfers are managed. The transfer continued to occur every month and after several attempts at researching at BofA and the receiving financial institution, I could not get the transfer turned off. I spent several hours in different phone conversations. It was always very difficult to get connected with someone appropriate to talk to at BofA. I decided to close the account. After the account was closed, the transfer is still happening each month. {$320.00} leaves my current financial institution checking account and because the account that previously received it is closed, the {$320.00} transaction is rejected and the {$320.00} is returned to my account. IT IS NOT BEING INITIATED BY MY CURRENT FI, it is being initiated by an ACH transaction from BofA. I have since spent a couple of more hours trying to resolve the issue with BofA, including a social media complaint and a phone call that took at least 40 minutes. I feel my only solution now is probably to close my account at my existing FI also but I really don't feel I should have to do that. I can't afford more hours trying to find someone at BofA to fix this though.

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 2021-08-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
During the last XXXX months four credit line has been drecrese from store using the same bank synchrony bank without sending explanation and base on unacurate or questionable information my credit history is being damaged by the action of the creditors using the same bank ; I don't have any red-light on my credit history to sustain their actions for example 2 of those creditors reduce ny credit less than {$50.00} dollars but that decision reduce my credit more than 50 point resulting on a domino effect that the others 2 from the same bank reduce my line of credit too reducing my credit score almost 100 point I the last 6 month ; this is only happening with synchrony bank my other creditors has not take any action like that ; now my credit history look like I have high balance but is just the result of reducing my line of credit to the balance of the account ; I suspect that descriminary practices is being done by synchrony bank system because there is not explanation of why reducing {$35.00} dollars in to an account with 10 years never missing payments on autopayment ; I have all my payments on autopayment to avoid missing payments ; even the loan officer of my car dealership told why your credit score is so low if you never missed payments ; my last car lease when up becouse the arbitrary action done by synchrony bank ; I found reports that this bank has history of discriminary practices and I found lawsuits that match my same situation.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: GA
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 submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-09-28
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I acquired the services of Lexington Law, a credit repair company with the hope they would be able to assist in removing already paid, negative items on my credit reports. Before signing up, I explained my situation in detail to the representative that took my initial call. This person was very empathetic and seemed to understand what I was needing help with. I was hesitant to obtain services from any business that claims to be able to help with credit repair and was sure to express this concern with the representative this during our call. She assured me there would not be any problems and was sure Lexington Law would be able to assist me. 

After agreeing to the service and signing documents, I waited a few days then called to speak with someone about the action they would be taking. I was transferred to someone who seemed to not understand what I was saying and asking. After spending approx. 5 minutes explaining everything again, the person asked if we could go through the negative items on my reports and decide what action to take. This phone call lasted approx. 45 minutes. 

I understood it could take up to 45 days to begin seeing progress and patiently waited to see that. By XX/XX/XXXX the Lexington Law webpage looked to be showing significant progress and I was very happy. I was in the process off refinancing my home and felt confident the work being done by lexington would help. About a week later, my refinance was declined due to items on my credit report that had been reported to have been removed by lexington. I called XXXX directly to obtain a copy of my credit report. While speaking with the XXXX representative I asked about some items on my report that lexington had claimed to have removed. The representative said nothing had been removed. In fact, the XXXX rep suggested hiring a credit repair company to help me with this. 

Upon getting my credit report directly from XXXX, I learned that lexington law had mislead me into believing they were able to remove several items. XXXX and XXXX have shown the same results. 

Over the last few months of being a client to lexington law, I called often to inquire about progress and address questions and concerns. Everytime I spoke with someone that either didn't understand or did not care to understand. The last person I spoke with went so far as to laugh at me and say this is just the way it is and I need to keep paying if I want any help. I cancelled my account immediately after this call. 

I would like to be reimbursed for the last 3 months in the amount of {$380.00}. 

The cost of using Lexington Law has been much more than monetary as the emotional toll and stress has caused much more damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.

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