BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-22
Company: Security National Financial Corp
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I like to offer your program to borrowers that need the help but my company says I will not get paid on the loan and or they approve upfront but near closing they deny. Please see below that I sent to HUD asking is the attached emails are legal or considered steering? 
I want to offer DPA programs and Texas Veteran Land Board programs but the company is making it very hard to do that and yet XXXX advertises they offer the program with full commitment but internally XXXX XXXX XXXX, XXXX, TX will remove the loan officer 's compensation if the TSAHC loans go to closing/funding since XXXX is not making enough profit. Is this legal? Thank you, XXXX XXXX, email : XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <XXXX> Date : Sun, XX/XX/2018 at XXXX XXXX  Subject : Is this legal? Is this STEERING? 
To : XXXX, XXXX, XXXX XXXX <XXXX> I have had clients apply for a mortgage at XXXX XXXX company with the request to use XXXX DPA - Texas State Program. 

We get all the way to the closing date or close to the closing date and XXXX denies the XXXX  and forces the client to cancel at the last and loose their Earnest Money or forces them to take a 'gift ' or XXXX funds hardship removal because XXXX does not want to lose profit margin money on XXXX   applications. 

Can HUD & Texas Savings and Loan investigate the last couple of years of all XXXX XXXX Division applications for XXXX borrowers and see how many applied for XXXX, received Underwriting Conditional Loan Approval upfront based on income, etc. but later within 10 days of the constract closing date and after the Credit Aprpoval date on the Real Estate Contract 3rd party Financing, XXXX either denied to to a lack of borrower funds after XXXX reverses the approval to a denial unless the borrower finds gift funds, or other means? 

Clients are loosing Earnest Money, loosing funds on appraisals, loosing funds on inspection reports, the Realtors are loosing paychecks after working in good faith for months with clients. 

This email and instructions from XXXX XXXX at XXXX to STEER Borrowers away from DPA programs, Texas Veteran Land Board programs because the company is not making enough money so the Loan Officer can offer the product only to have XXXX XXXX STEER the clients to a more profitable loan product at the detriment of the borrower or XXXX XXXX instructions the division Human Resources department and payroll department to not pay the Loan Officer their compensation on loans that do not met his desires for revenue regardless of the guidelines for Loan Officer Compensation, the Texas Safe Act for Borrowers protection from Bait and Switch Tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
How you doing my name is XXXX XXXX & I have been in contact with the creditors as well as the credit bureaus to remove existing accounts from my credit report. It has been over 30 days & they have not been able to verify my accounts nor have they been able to show consumer contracts with my signatures on them. Id like to ask that they remove these negative item from my credit report since it is affecting my ability to obtain credit. I hope to hear from you guys as well as resolve this matter as soon as possible. Thank you for your time. Good bye

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Dear Exeter Finance and XXXX XXXX, I was given false and deceptive information. 
( Violation of 1692e ) -False or misleading representations, 15 U.S.C . 1692e as I was told that a down payment of {$1200.00} was needed to drive off the lot. This was for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
( SILVER NOT BLACK ) I really dont appreciate you pocketing my hard-earned money. The price of the car and all associated fees should have been totally covered within ONE TOTAL finance charge. The car was actually paid for in full, before the security interest was transferred to EXETER FINANCE , LLC. Please send me the True Bill of Sale along with all disclosure statements according to GAAP regulations ( GENERAL ACCEPTED ACCOUNTING PRINCIPLES ) regarding this credit transaction ( DEAL # XXXX ) for my personal records. 
Pursuant to 15 U.S.C.1605 a finance charge is THE SUM of all charges ; therefore, I should have never been charged any additional fess outside of this. Down Payment Reimbursement shall be made by check payable and expedited to : XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX I am keeping a close record of my communication regarding my refund and if I must seek legal counsel, I will sue for the maximum amount allowed by law. Thank you for your time and attention to this matter, Respectfully, XXXX : XXXX BENEFICIARY Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the FTC attachment. I would like for the UNAUTHORIZED inquiry that was made on XX/XX/2019 by XXXX XXXX OF XXXX to be removed. I would also like to be sent a updated credit report reflecting that these UNAUTHORIZED inquiries have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
How you doing my name is XXXX XXXX & I have been in contact with the creditors as well as the credit bureaus to remove existing accounts from my credit report. It has been over 30 days & they have not been able to verify my accounts nor have they been able to show consumer contracts with my signatures on them. Id like to ask that they remove these negative item from my credit report since it is affecting my ability to obtain credit. I hope to hear from you guys as well as resolve this matter as soon as possible. Thank you for your time. Good bye

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 2021-02-02
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Early warning services has applied me to there system in the past couple of days for no legitimate reason and will not respond via phone call or email i was never given notice what actions by me would cause me to be put on there system so how would i know something as simple as inquiring for credit would cause this? The credit agencies XX/XX/XXXXand XX/XX/XXXX all tell me to apply for new credit? So you tell me to apply for credit to build my credit history and when i do they penalize me for inquiring? This is a very bad fraud prevention and is only hindering me building my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
contacted capital one to resolve access to my account after i reported my cars lost/stolen in XX/XX/2021. They assured me they fixed the issue and new card would be sent out. 
Never received replacement card and customer serviced locked access to my online account!!!!

Month later i received statement of card and called immediately as it seems my card was never shut off and whomever got hold of it made charges to my card. and this is AFTER capital one said my lost card would be handled!!!! they failed to protect my sercurity and failed to lock card and issue replacement!!!! Negative impact on my credit report and still no access to account. had to fight for months to even get it off of my report and the costly time i have spent needs to be taken care of! it has cost me getting other credit loans and everything under the sun. thanks Capital one for your great negligence and carelessness for your customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Monday XX/XX/2023 I reached out to TD bank to inform them that someone has used my card in a fraudulent activity and informed them which transaction it was. The next day I wake up to both my business and my personal account are locked and I have no access to any of them. I called TD customer Service, they told me that I had to visit a branch. I went to a TD branch for 5 days in a row on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sat and waited to see someone for over an hour each visit and each visit no one helped me get an answer of why my accounts are being closed, all they kept telling me they dont have the reason why TD back office is closing my account, and my funds are being held, every time I called the fraud department they told me the same thing and told me they dont know why my accounts are closed and that I have to visit a branch to find out why, I keep going in circles with them, I need my funds released to me, its my money, I worked hard for that money and I have bills to pay, my personal should have at least {$1300.00} and my business account should have at least {$49000.00} Im tired of wasting hours at the bank fighting for my money. I was told on XX/XX/2023 that I can come in to the branch on XX/XX/2023 and close my accounts and they will give me my funds, I did what I was told and when I finally got to speak to the branch manager she tells me I cant close my account because the bank is holding my money. Every day its been a different excuse and Im getting tired of fighting to get my money, please I need help getting my money. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: WI
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, and XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft, I was XXXX from XX/XX/22 to XX/XX/22 My bank account at Chase bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of XXXX and filed a police report, I have provided all the documents and they are still giving me a hard time. 
Chase bank XXXX XXXX card XXXX XXXX card XXXX XXXX XXXX to name a few

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CashRepublic Holdings, Inc.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I think i was unlawfully charges interest rates and charge offs with Omni financial. 

The charged me XXXX, XXXX, XXXX prepaid finance charge that and it seems confusing reading about my loan and the repayment I was violated under the MLA and SCRA due to me being the XXXX  and the unlawfully charging me and pulling from my account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 {$1400.00} Cleared The company has been paid with an agreed settlement Paid XXXX It should not show past due. We agreed on a settlement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: WA
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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call from this LVNV Funding LLC company saying that I owed them {$590.00}. And then they erroneously reported the debt to all credit reporting agencies negatively impacting my credit scores. Circumventing all my previous efforts to raise my credit scores. Destroying my score gains dropping my rising scores to the 400 's  from the mid 600 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: WI
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, and XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 tried to correct my disputes with XXXX, Transunion, and XXXX. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.

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 2020-01-01
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 am still in the process of getting this inaccurate data removed m=from my profile. XXXX XXXX and experian has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under law

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 2022-01-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my credit score when I saw an inquiry from XXXX XXXX XXXX. I have not applied for new credit cards or cosigned for anyone. This was an unknown inquiry I would like to report

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 2018-12-24
Company: Experian Information Solutions Inc.
State: IL
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:
The two XXXX accounts listed below I was blocked from accessing the accounts or paying them. I had no way of bring them to positive status. 

XXXX XXXX {$1600.00} Other Negative XX/XX/2017 XXXX XXXX {$2700.00} {$1000.00} 274 % Revolving Paid XX/XX/2017 XX/XX/2017

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 2023-09-02
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a formal request via certified mail requesting validation bearing my signature showing that I have or ever had some contractual obligation to pay them. I mailed this on XX/XX/. 
In return, I received a letter stating, " XXXX XXXX '' to pay them by XX/XX/XXXX  or they forward to an attorney in my state for possible litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went through my bank statement and found a couple of unauthorized transactions and reported them to my bank. I am living in XXXX and the bank blocked my ATM card. This is the 3rd day that I have not been able to withdraw money to eat. I am starving. My bank will not respond anymore to my emails and I don't have a phone to call them. They keep insisting I call them when I have no means of paying a company here to use the Phone service. 
I suggested they authorize to use of the other new ATM card so long as they can allow me to activate it, but they said no. I can't eat, my rent is past due. Wells Fargo will not let me get access to my money and I am really hurting out here. 
Please someone do something quick!

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 2020-01-01
Company: EQUIFAX, INC.
State: NE
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:
XXXX keeps submitting false information about our cell phone account from 2 years ago and equifax will not remove off my credit report. XXXX illegally transferred more than {$6000.00} in 2 transactions on our cell phone account. Now they keep submitting charges for early termination fees of service and devices that were returned to XXXX at their request. The XXXX XXXX XXXX and the local news station can validate that XXXX did this. They have the proof. How do I stop XXXX from continuing to submit charges that we do Not owe? Why am I not being protected from this illegally credit reporting. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: IL
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 consent or authorize any person or company to benefit from my credit nor report the account on my report Account Name Account Number 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