BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: NFM, INC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I believe I haven a victim of boycotting in 3 different morgate brokers I have trying get a home loan approval submitted my pay stuff and talking to the loan processor at those 3 companies and they all denied my loan.they never provide me with a denial letter stating the reason for it. Only orally they state that I don't qualify because my income is low and the have to high iloan to income ratio. Attached you'll find my pay stuff. I even calculate the loan to income ratio myself and in XXXX. Stay low and I can qualify for XXXX.Even my son was suppose to be my cosigner and they state isn't approved. The firts company is XXXX XXXX The name of Loan processor XXXX XXXX. Date XX/XX/2021 to present. I had a contract with XXXX XXXX signed in XXXX XXXX.He pre-approved me for it. I got unemployed XX/XX/2021. I called explained. They let me get another job. I stater to work on XX/XX/2021. 2 jobs. One at sesalons pay with XXXX. And XXXX XXXX  pay XXXX. All paystuff submitted by email to him. Even my son pay stuff. I haven received the declined loan letter. Just a phone call by him saying he only use my base salary he can't use XXXX. And he just called me today again XXXX XX/XX/XXXX at XXXX XXXX to confirm he didn't approved it I asked him again if he use my whole pay stuff amount he said yes. When he told me he couldn't. The loan amount was suppose to be XXXX. I had putted XXXX in down-payment. Wich XXXX homes refunded to me.he also said I'll be getting the declined loan letter in 10 days. Second company I applied to is The XXXX XXXX of NFM Lending. I firts apply with XXXX XXXX then XXXX XXXX was in contact with me. Her assistant I believed. Then a 3er person stating was the loan coordinator manager called me and stated it we won't qualify because the loan to income ratio was to high. And he can only use my base salary not my whole pay check amount. And neither my son whole pay check. Wich is absurd. That is the proved of income and we pay taxes to whole amount. I requested her the declined letter that by RESPA I'm suppose to get with the reason of the denial and she said she is not use to it to send any because it has the names and head names of the company. Yes I have been a victim of boycotting and XXXX XXXX XXXX XXXX XXXX Loan number XXXX And XXXX XXXX | she/her/hers XXXX XXXX XXXX  # XXXX XXXX Cell : XXXX Fax : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Attached you'll find the paystuff and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}

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 2021-03-17
Company: Experian Information Solutions Inc.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to dispute my charged-off XXXX XXXX XXXX  credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX dollar balance as of XX/XX/2021.

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 2023-04-14
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX, GA 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 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a letter in the mail dated XX/XX/21 saying that claim number XXXX had been reconsidered and was paid via cashier 's check in the amount of XXXX. 

I was notified via USPS informed delivery that this check along with other mail was scheduled to be received XX/XX/21. I did not receive it and I notified Bank of America XX/XX/21. The first of MANY reps assured me he submitted a request for stop payment and reissuance of the check. 

I called XX/XX/XXXX and talked to over XXXX reps who simply don't know anything about this check or process of reissuing payment. The social media care team, fraud online, claims and disputes, all these reps and managers have proven how poor of a service Bank of america provides. It's a shame I had to go to this length to get this issue resolved.

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wanted to add my XXXX to my credit card. I was told a credit check would be done on her but not on my. She gave her consent to run a check. I was never asked, nor did I grant consent to run a credit check on myself which resulted in an unwanted/unnecessary hard hit on my credit report. The bank took no action to correct it's error.

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 2021-01-01
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My husband and I started our home buying and construction loan process with XXXX XXXX in XXXX of 2018. We had never gone through a construction loan before so we had let XXXX know this. We had issues with XXXX not being honest with us about interest rates and really did not hear back from him until it was time to close, after closing we had some issues and was directed to the wrong person by XXXX, the contractor taking 2 draws from Gateway Mortgage and cash from my husband and I had given him, XXXX also told us that a contractor had never stolen money from a customer or a mortgage company before and then we never heard from him again. We recently settled with the contractor 's insurance company and started repairing the little things that were left to be done as the contractor had completely demolished the inside of our house and then never did any work so he had to be fired. XXXX XXXX, who included XXXX XXXX in this email as well had contacted me back in XXXX before we settled with the contractor 's insurance asking for us to complete the repairs needed in the house as they needed to close our construction file and remove the lien on our property. So as we finished what was required, I sent XXXX XXXX an email back asking what I needed to do to have the lien removed, she replied back asking for the information of my loan officer and the title company in which XXXX XXXX was included in again, I sent all the information needed along with a copy of the lien. I never heard back from XXXX XXXX again and never heard from XXXX XXXX at all in this matter and I contacted XXXXXX/XX/XXXX manager but never heard from him either. I contacted XXXX XXXX as she was the only person throughout these 2 years of dealing with Gateway and being a PAYING customer of Gateway that had consistently responded to my emails. I called XXXX XXXX 's office and spoke with his receptionist, left a message for him to call but never got a return call. I wrote this email to XXXX stating that I was going to contact XXXX and XXXX 's superiors to let them know that these employees do not care for customers and did not respond. I then got a response back from XXXX stating that she had been searching for the lien in XXXX county but could not find it and that it probably did not exist. I then responded back and stated that I sent all of that information to her and that the lien was in XXXX County in which was in the previous email that I sent. I thought that Gateway would have all of this same information that I provided as they are the mortgage company that we have our home loan with. I do not believe that Gateway cares about their customers, XXXX XXXX obviously got our business and then never have any communication going forward. These 2 years with Gateway has been a terrible experience as I feel the only employee that they have that was honest and returned communication was XXXX XXXX. I would never recommend XXXX XXXX or Gateway to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2021-09-27
Company: Georgia Student Finance Authority
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: Information belongs to someone else

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
DPT ED/XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.

12. The following status is incorrect and incomplete XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have inaccurate account 's on my Transunion, XXXXXXXX  XXXX  credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020

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 2023-01-02
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:
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It is my understanding due to the pandemic that one is supposed to get their credit reports once a week free till XX/XX/2022. 

I tried to get my credit report from XXXX and was not able to get it. They were trying to get me to purchase their credit services for " {$24.00} a month. I do not want their over-priced service. 

`I was able to get my credit score but I never received my credit report. 

I tried to get my credit report, earlier from Equifax. They wanted me to send them documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servicer did not pay property taxes for mortgage with escrow. Received a notice for {$5100.00} due including XXXX in penalties. 

Since I already funded the escrow, I do not also have an additional XXXX dollars to pay this a second time. 

It was not my mistake, they should pay the fee too.

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