BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: Brightfunders, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My complaint is regarding the mishandling and negligence of our home construction loan by XXXX XXXX. The primary complaint is that Homeside induced me into signing the agreement by making promises to me and my wife in regards to how Homeside would manage our construction loan. We were assured that Homeside had our best interest at heart as this was our first home build. Prior to closing, our Homeside loan consultant explained the loan disbursement process. It was explained to us that prior to any funds being disbursed, inspections would be completed on all requested draws by the bank prior to disbursement, this was not done. Lien waivers would also be required from subcontractors and material suppliers within 30 days but unfortunately, this was not done. Our contract with XXXX XXXX also states they were to do these two things. They simply were not done. As a result to this noncompliance, multiple mechanical liens were filed against our property and we were approached by many unpaid subcontractors. It became apparent to us several months into the project that our unscrupulous builder had a prior relationship with our construction manager which was never disclosed to us by XXXX XXXX. 
Unbeknownst to us it was discovered that the builder was given funds without our knowledge, his risk insurance had lapsed, and his builders license was invalid. Needless to say, all of these infractions resulted in underfunding of our construction loan and left us with gross insufficient funds to complete our home. Our counsel repeatedly reached out to Homeside to assist in rectifying our dilemma, to no avail. Lastly, XXXX XXXX falsely filed a 1098 form with the IRS, representing that we used 100 % of the loan. When in fact that was not the case as they withheld a portion until construction completion. As of today, construction is still incomplete.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Cell, XXXX XXXX Home phone XXXX United States Congressman , Mr. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : VA Loans and Refinancing To the Honorable , Mr. XXXX XXXX During this global pandemic the fact that your congressional office actively reaching out to our community at this time is very reassuring. 

Early XX/XX/2020, I applied for a VA refinancing loan from Union Bank. At the onset of the application I was advised not to include the income that I received for hosting an exchange student at my home. 

My VA refinance application ( Union Bank Loan Number XXXX ) has been pending over 90 days without resolution. I have paid my own appraisal fee and pest inspection fee prior to the latest closing disclosure dated XX/XX/2020. 
My cash out has been reduced from {$80000.00} to {$19000.00} with the same monthly payment. Most of the XXXX Veterans ( like myself ) own one home and has lived in XXXX County for a long time ( 39 years ) and subsist on their VA XXXX as their primary income. I ( enjoy ) hosting international students as supplementary income for the unexpected expenses and I have been hosting for 10 years. 

I applied for my loan before the pandemic and I am grateful that financial institutions are in place, making loans and providing general banking needs, however, I do not want people losing their homes to fancy math. I have lived through the US predatory loans era and the market recession of XXXX. 

Every eligible veteran applying for a VA loan should be entitled to the lowest interest rate loans on the market. Ive owned my home for 15 years, never late on my mortgage-yet the loan process has taken more than 90 days to get the loan to the disclosure stage. 

I am praying for the ( VA ) loan process to be streamlined and fairly dispersed, so that individuals like myself can prepare for our families within this pandemic. 


Sincerely XXXX XXXX My questions Is it true, that as the interest rate has been lowered, Union Bank charges a higher interest rate for refinancing VA loans? 
Ive paid for my VA appraisal {$600.00}, pest inspection {$150.00} and re-inspection {$99.00} as I have filed this complaint can they cancel my loan? What protections from retaliation does a borrower have? 
Every time a closing disclosure is issued does that cost the borrower money?

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 2023-04-21
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 looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the items be authenticated by the three credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting items as unverified information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-15
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had to leave my job in XX/XX/2019. I exhausted months searching endlessly for employment. During this time, I was unable to pay my Discover card debt. 
Months later, I spoke to a representative about my situation. 
My payments were reduced and I am on a payment schedule. 
However, due to Discovers ineptitude, I received a call that my {$35.00} payment was not received even though Discover has my bank account information, and the money was available. I received a string of harassing phone calls from a malicious discover representative. 
The issue was resolved and it happened a second time with my monthly payment. I received another call from a malicious representative who hounded me for a payment that Discover supposedly didnt receive.

I called a second representative later to complain that I am being harassed during a pandemic, especially since I already have been experiencing financial hardship. Also, it is not my fault that the payment was not received. It is Discovers fault that the paym
ent was not receive. Today I have received repetitive phone calls from the predatory vultures at Discover.

A word of caution to anyone who is considering using this despicable company : this company epitomizes greed and maliciousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Statebridge Company
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Every night I get a call from a company called Statebridge on my cell phone about mortgage debt. My mortgage is with XXXX. I call this company back after they call as indicated and it says they are not open. I call them during the day and it says your wait time is less than one minute and 3 hours later no one has picked up. I leave my phone number to call me in the order my call was received and I get an automated call again at around XXXX each night with no way to reach them. I try to visit their website as they say on their call- but any link you click on the first page says server error and wont open. Now theyve sent a letter telling me theyve started the foreclosure process on my home. Theres a separate mans name and number- and of course no one answers that call either. I cant get in touch with the company and I dont know who they are but Im afraid NOT to respond because my husband left 2 1/2 years ago and Im worried its his debt on my house. What can I do if no one ever picks up the phone? They send me fed ex letters- hang things on my front door- but no one answers ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the following items will be corrected ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2020-04-15
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted or I contacted ( not sure which because it was a while back ) but I saw where XXXX  was trying to make me pay a bill for a XXXX  service that I NEVER signed for or in any way authorized. I never never authorized this. I demanded a signed copy or proof that I authorized this because I knew that this was someone who was probably living or renting my ex wife 's house at the time. I didn't even live there at the time. I told them that and demanded proof. How did they get my name and social to open this account and start billing me for it? I never received any proof and they told me it was being investigated and they would remove it. I thought it was taken care of because it was removed off of my credit. All of the sudden it is back on my credit under a collection agency by the name of Enhanced Recovery. I sent them a notice that I DID NOT do this and XXXX  was supposed to be taking care of this. Evidently, instead of investigating it where they would find that I DID NOT open this account, they sold the debt to a collection agency. This has impacted me and my family in a very sad way recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion credit report is inaccurately reporting accounts and account information that has not been properly verified. Reporting collections as open accounts, reporting collections with past due balances, reporting c/o after the accounts are closed. Inquiries reporting that are not authorized or attached to an account. Personal information that has not been updated reporting phone numbers and employers I am not associated with. I've sent several certified letters requesting this information be updated and as of today, XX/XX/2022 it has not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We continue to be harassed about a debt that is neither mine nor my spouse by Suttell & Hammer P.S. We reviewed our credit report and are certain this is not our debt. We have been attempted to be served ( have video proof of them trying to serve us papers for a debt that is not ours ), continue to send back multiple certified mail attempts, and receive threatening phone calls nearly daily, etc. 

We communicated over the phone and over certified mail ( tracking below ) that the debt is not ours. We included the letter we sent the collectors. The debt belongs to XXXX XXXX XXXX ( presumed due to mailing address. Unbeknownst to us our phone number and home address is tied to this debt. That said, neither XXXX XXXX nor XXXX XXXX are the debt holders and they will not stop. 

Certified mail tracking numbers : 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 explanation
Consumer complaint received 2023-08-21
Company: TD BANK US HOLDING COMPANY
State: IL
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:
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
Wise.com offers a borderless account with XXXX so you can convert money to any other currency and spend it on a pre paid XXXX. 

The problem becomes when you have arrived in a foreign country like XXXX and the card refuses to work in any store or ATM. That causes difficulty if youre hoping to use it as a primary payment card. 

There is some well hidden fine print that has a list of countries the service doesnt work in, but its not obvious to find. 

The end result was all my vacation money was converted to XXXX XXXX at cost, then had to be forcibly converted back at cost, then transferred to my bank at cost for a service that could but didnt warn me that it wouldnt work for that country. 

Being in a country with no ready access to money was very scary, especially with a legal system like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX -account closed_paid XXXX XXXX  XXXX account closed. 
XXXX XXXX -account closed _assigned to attorney 15U.S.C. 1681 section 602 A. & section 604 s.2 15U.S.C. 1681c. ( a ) ( s ) 15U.S.C.1681 section 2 ( 2 ) ( 1 ) These are in violation of my 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 2018-02-21
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dispute of payment for one month with XXXX XXXX XX/XX/XXXX. Amount of lease {$420.00} was withddrawn from my account XX/XX/XXXX and never credited. 
XXXX XXXX refused to acknowledge my claim and considered the account delinquent from XX/XX/XXXX to present day, XX/XX/XXXX. 
I attempted to resolve the issue numerous times to no avail. XXXX XXXX has ruined my credit and refuses to lease another vehicle to me based on the low credit score I now have due to their negative reporting to various credit agencies. 
Now XXXX XXXX is holding me hostage to buy the vehicle at a non negotiatable price.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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 looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the items be authenticated by the three credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting items as unverified information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: American Credit Acceptance, LLC
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We have numerous time have call this company since XX/XX/XXXX about our account which they take us off auto-pay try repossess our vehicle knowing we don't authorized this. The company don '' t call or email or text or send a letter in the mail saying payment not been made .So they decide try repossess our vehicle saying we were 4 month late take in mind this supposed to be in auto-pay we should not had to worried about this. At this time my husband was taking care of his mom before she pass away in XX/XX/XXXX and I was working about 70 hour a week.We don't have time to look at our bank account.again the payment should be coming out of our account All we asked is to remove all late payment and repossess off the credit report this stop us to get our loan on home. American Credit Acceptance has there money what the problem you know this was your fault and now trying to cover it..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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:
I have had my credit card for years and have a great payment history with my XXXX XXXX/XXXX  account and there is nothing being reported towards payments or credit line with this card. It was on my report for years and for the last 5 or 6 months it doesnt appear on any credit report ive spoke to credit card company and all credit bureaus and noone seems to know why or how to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Spring Oaks Capital, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After a review of my credit reports I found that Spring Oaks Capital is collecting on me for a debt that is not mine. 

It appears as if someone fraudulently opened an account with XXXX XXXX using my information. Ive reached out to XXXXXXXX XXXX but they said there was nothing they could do since the debt had already been forwarded to a third party. Prior to Spring Oaks capital reporting this erroneous debt, Ive never received any type of dunning letter or phone call in regards to this matter. Both actions violate my rights under the FDCPA. 

I can provide documentation that supports my claims of me never applying for a XXXX XXXX card. Documentation will only be presented in-person under the advice of legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I sent letters to Huntington National Bank. They have amounts and other information not authorized by me to be advertised on my credit report.

Company response to consumer: Closed with explanation