BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm working on a cash-out refinance with my existing mortgage lender to perform a buyout following divorce. Since XX/XX/XXXX the loan application has been pending approval. The approval is granted upon acceptance of an appraisal. From that date until XXXX, despite repeated and regular requests from myself and promises from the lender, nothing happened. Not a single appointment or phone-call from any appraiser. Eventually, I requested that they use an appraiser I had previously used myself. They finally agreed to this and an appointment was scheduled for her to come to take measurements and pictures. This appointment took place 3 months and 9 days after the approval process began. 

The appraisal appears to have been delivered on XX/XX/XXXX. I have no way of knowing this because I am not permitted contact with anyone within the approval department. 

Since this date the appraisal has been sent back 4 times for adjustments. 

My home has been appraised, more than once, for an average of approx. 475,000. I am requesting a new loan of 290,000. This represents a loan-to-value ratio of 61 %. This is a very low risk loan. I have been a customer of that lender for 4 years. I have never missed a payment. My credit score is approximately XXXX. 

The last time the appraisal was sent back it was because the approval company requested a " comp '' with a house which backs onto a commercial lot as there is a car park behind my house. I live in a small city ( pop 135,000 ), close to the centre in a historic neighbourhood. This to say that comps are always difficult due to this situation and having such a specific requirement ( backing onto commercial lot ) makes it even harder. I also question the need. How could such a characteristic reduce the value of a property to the point at which the loan-to-value ratio becomes too high for the lender to be able to accept the risk? The appraiser did find a comp, but for a house sold 2 years ago. 

I thought this was finally resolved and that the loan would be approved, but no. Yesterday the lender sent another question. 24 hours later the appraiser still hasn't received anything and has no idea what the issue is. Nor do I. 

I was told 3 weeks ago that my issue has been escalated. I see no impact at all in the efforts of the lender to progress this application. 

I need this money to buy out my ex wife, who is now threatening court as I am beyond the court set deadline. She expects 2000 dollars to give me an extension until the end of XXXX. 

Taking 4 months to approval a low risk loan is beyond absurd and I would like this to be resolved as soon as possible.

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 2020-11-13
Company: Empower Finance, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, XXXX bank close my account with informing me and right after I fail a compliant against with the XXXX XXXX XXXX ( XXXX  ). Then I asked the representatives via as to why the bank closed my and she told me could not disclose. On XX/XX/XXXX, I did file a complaint against them because they locked my account because I traveled outside the US and used my card at a local ATM to withdraw cash. For a total of six days my account remained locked without me knowing why the actual reasons why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX XXXX XXXX ( XXXX card ) on XX/XX/2018 and XX/XX/2018 for a credit increase both times I told the representative not to run my credit report. However I received notification from the credit reporting bureau that I have a hard inquiry. I clearly told the reps not to run my credit. I called XXXX and was advised that they did not run my credit report but this is not true I have 2 hard inquiries.

This is a fraudulent business practices. They also stated the calls are recorded so they can be pulled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX 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.

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 2023-06-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-21
Company: AMERICAN INTERNET MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my Wife and I settled on a purchase money loan from AimLoan.com for  {$250000.00} against a purchase price of {$270000.00}. We were correctly obligated to pay PMI and did so with each and every payment. 

By agreement dated XX/XX/XXXX, AimLoan accepted us into a Loan Forbearance program established pursuant to the Federal CARES Act. Following a sale of of other property, were able to make a prepayment to AIM on XX/XX/XXXX in the amount of {$240000.00}, thereby reducing our loan balance to approximately {$13000.00}. 

We subsequently voluntarily terminated our forbearance agreement, and by letter dated XX/XX/XXXX, AIM confirmed that we had terminated our forbearance. We resumed our monthly payments via ACH. 

In early XXXX, XXXX, upon review of a statement from AIM, I realized that we were still being charged PMI despite the fact that our mortgage balance had been reduced to approximately {$13000.00} upon a property valued ( as of less than 1 year prior ) at {$270000.00}. I contacted AIM to ask for a review and an appropriate refund of the PMI payments, and have now received a letter from AIM refusing my request. 

The stated reason given by AIM is You had payments 30 or more days delinquent in the past 12 months. We were never delinquent in any payment. The only interruption in our timely payment history was the 2 month period of forbearance and, to my understanding, treating a borrower 's participation in such a program as any violation of the terms of a mortgage loan is prohibited by the Federal CARES Act. 

I believe that by construing payments subject to the forbearance agreement as delinquent is unfair, unjustified, and contrary to Federal Law. Refusing to abate charges for PMI following reduction in my loan amount to roughly 5 % of the property value is unfair, unjustified, and contrary to Federal Law. I ask the CFPB to pursue my complaint and, if I am correct in my legal analysis, to ensure that AIM reimburses me for prior unjustified PMI payments and halts all further PMI charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: TX
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}

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 2018-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So I was checking my Bank of America account and saw charges that I did not recognize. I called the bank and was told for a year and a half there was charges from XXXX on my account. Today is XX/XX/XXXX these charges started back in XX/XX/XXXX they issued me a credit for the amount then after the investigation I was told it was not fraud and that i was responsible for the money they credited me back. I did not Authorize the charges made on my XXXX account and do not no where they came from. I cancelled the card was issued a new card and they shut down my XXXX  account. Made a new password for my XXXX account and applied new cars to the account. There has not been a charge for 4 months since and they still tell me its not fraud. I called again to see if they could investigate the charges again and they said yes but are still charging me back on my account.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: MO
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 information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00}

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 explanation
Consumer complaint received 2018-10-25
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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible

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 2020-09-21
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Leased a vehicle in XXXX of XXXX. Paid the balance of the lease off in XXXX and XXXX through XXXX of XXXX. JP Morgan ChaseXXXX XXXX XXXX says they will not update the Credit File because there is XXXX balance due and they wont update until the end of the lease - They stated " if you left a {$1.00} balance, we would have updated the credit reporting, but because you paid it off, we will not report until XXXX of XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
OnXX/XX/2018, TIAA Bank offered a 6 month mortgage rate lock to lock my rate on mortgage loan application. They were asking for {$4400.00} deposit to lock the rate which is promised to be refundable at closing. Recently, I locked my rate and paid the said deposit. However, when the Loan Estimate was sent to me, it shows that the rate lock deposit is not really a deposit but actually a FEE, even though it is called a deposit, it was placed in the loan estimate under Origination Fee.

This is switch and bait tactic to lure me to pay the deposit which I thought is refundable. It is not. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Alliant Capitol Management XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, NY XXXX This company will not stop calling me after several attempts of talking to them to convince them that I am not XXXX XXXX. This has been 1 year of harrassment. 
1. I explained that I had just received my cell phone & new phone #. Possibly the owner of the phone # prior to me. ... ... .the calls & voice mails kept coming. 
2. After 2 months, I registered my cell phone with donotcall.gov ( XX/XX/XXXX ) 2. After 3 months, I answered the call & explained I was on the do not call list. Please stop calling me. ... ..the calls & voice mails kept coming. 
4. After 4 months, I answered the call & yelled at the guy that I was on the do not call list & to stop harrassing me. I threatened with I would contact the Fair trade Commission. The guy agreed to take me off of their list. 
5. 3 months went by & it was quiet. 
6. XXXX XXXX the calls & voice mails started again. Today, XX/XX/XXXX, I called the phone #, XXXX XXXX. I asked for the company name & who I was speaking with. " XXXX XXXX '', he said. The guy said he could not help me unless I gave him my phone #. I stated I would not do that as I just wanted the name of the company & the address as I was putting in a complaint. He insisted that he could help me if I would just give him my phone #. I held strong & said " no, please give me your address. I have already fallen for the promise to remove my phone # from the list & that turned out to be false ''. He giggled. He thought that was funny. After he pulled himself together, he stated he would XXXX  it. He gave me the address, however, he gave me the city of XXXX. When I hung up, I XXXX  it myself & discovered his ploy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
talked to XXXX at XXXX XXXX XXXX acct XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX ; phone XXXX, only to be told i should filed a disputed claim with experian. need to correct addresses, name, and date of birth. seem XXXX  XXXX # XXXX has sold a debt to XXXX XXXX XXXX. XXXX  XXXX has placed on my experian credit report. have NO knowledge of and have Never used XXXX XXXX ; they sould be looking elsewhere. Have ask XXXX XXXX XXXXXXXX to remove the credit item from my history XXXX 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 explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX, Experian and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all XXXX agencies show different information. Under the law all XXXX agencies must report same information Experian has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Experian has Ref # XXXX XXXX has month of discharge - None XXXX has month of discharge - XX/XX/XXXX Experian has month of discharge - None XXXX shows address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Experian shows address - XXXX XXXX XXXX shows XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX shows XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Experian shows Type of Court - XXXX XXXX XXXX XXXX shows phone # XXXX XXXX shows phone # XXXX Experian shows none

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 2023-06-19
Company: Experian Information Solutions Inc.
State: TX
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 independent bankers bank is reporting on my credit without providing who they are. They take soft and hard inquires with the intent to reduce my credit report and supported by XXXX, Experian, and XXXX to reduce my fico score without notice to who they are and what they are about. I have no clue who this is and how they feel they are involved in my credit report unless its fraud. I truly believe this is an act of fraud unsupported by XXXX Experian and XXXX to drive fico down for credit companies.

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 2023-09-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is stating that I opened up 4 accounts. It says I owe them $ XXXX XXXX different accounts. I explained to them that someone stole my social security number. I proceeded to ask if I can speak with someone that can help me because I didn't open these accounts. They said that there was nothing that they could do for me and that i would have to pay.

Company response to consumer: Closed with explanation