BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: NVR INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX XXXX, my husband and I applied for a mortgage through NVR Mortgage ( NVRM ). In the application process, my husband indicated he had just become self-employed in XXXX XXXX. With our application, we deposited {$5000.00} for the new build. Our contract stated that in the event NVRM terminates the loan due to circumstances beyond our control, our deposit would be returned. 

On XXXX XXXX, XXXX, my husband and I were preparing to close on our new home when we received a phone call from NVRM stating that they have " more conservative lending rules '' and would require at least 2 years of self-employment status in order to approve us for a loan. NVRM referred us to a different lender to try to get an exception to the 2-year rule, however, the new lender never provided a determination on the exception. We were later turned down for the loan, but NVRM based the denial on low credit scores. I contend that credit check was performed subsequent to NVRM 's inability to qualify us due to the short length of self-employment. 


Following that discussion, my husband and I met with other lenders, talked to mortgage brokers, and conducted independent research to learn that there are no exceptions to the 2-year self-employment status. 

On XXXX XXXX, XXXX, I sent an email to NVRM,  requesting that our {$5000.00} deposit be returned in full, on the basis that my husband would never have been pre-qualified for a loan because he did not meet the 2-year minimum requirement and that their claims that an exception could be made seem false. NVRM has not agreed to return the {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: IA
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 writing to delete the following fraudulent information in my file.The items I need deleted are listed in a word doc attached to this report. 
I am a victim of identity theft and did not apply nor create the illegitimate information included in my credit report.I ask that the items be removed at once. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: The J. G. Wentworth Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX XXXX. I filed a complaint against J G Wentworth and they responded with the same old line of XXXX I have tried for at least a month maybe two to get them to release the tapes that they say they have of the conversations between XXXX XXXX and myself about the loan application. On my first call to JGW I told XXXX of the situation that came up between JGW and my wifes loan with the company. She had an intestinal blockage and had to have XXXX XXXX and was in the hospital for about 10 days. In order to pay the mortgage I instituted a XXXX ( i thought ) with JGW to automatically draft my account for the payment. They did not take the payment because they said the payment was past due. I never heard from JGW that this was not in place. I was tending to my wife that almost XXXX of her blockage. I told him about this on the first conversation we had about a loan for a rental house I wanted to acquire in XXXX TX. I am an XXXX XXXX and knew that this situation needed to be vented before I start spending money on the process. He said no problem so we went forward with the loan application which cost me in the end {$25000.00}. At closing day, I got a call from XXXX telling me that the loan was denied because of the past due payment. ON THE MORNING OF THE CLOSING. Just a week before he said that he was 100 % sure that the loan would close the following Monday. Well it did not. 

I also need the tape or transcript from my conversation with a XXXX XXXX who I talked to and made the payments through to JGW. I told him the story and he even waived the processing fee. The late payment was reported on my credit report even thou I was not on the loan. 



All of this happened within JGW. My wifes loan on our home is with them. ( the one that was late ) and also the application was to JGW. you would think that they knew what was going on within their own company. 

I have tried to obtain this information from JGW to file  suit for this injustice. They will not tell me anything. Does JGW have the tapes and if so can I get a transcript or the tape so continue my efforts to right a wrong. I have been dealing with XXXX XXXX at JGW. He said that they would do an complete investigation concerning the above situation. All he came back with is that the loan was denied because of the past due payment. My wife and I have never been late on a mortgage payment. We are XXXX and XXXX years old and have owned our own home since we were XXXX. 41 years of paying our obligation to a mortgage company and then I run into JGW. 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 2019-01-29
Company: Informative Research
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The inquiry on my credit on XX/XX/2018 and XX/XX/2018 regarding the purchase of a home. I wrote a letter asking to have the inquiry removed because no loan was secured and no purchase was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX are reporting incorrectly a collection in the amount of {$1200.00} on the XXXX XXXX XXXX., ( original creditor : XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX XXXX., and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

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 2020-05-10
Company: PNC Bank N.A.
State: WV
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:
Wont give me access to attach my account to XXXX, to help me with finances this week

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I see inquiries on my credit reports that are not accurate and these inquiries were unauthorized by me. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified and unauthorized items MUST be removed. I have an inquire on my TransUnion and XXXX Report from XXXX XXXX ( Bank ) on XX/XX/2021 that I need removed as required.

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 2019-01-29
Company: ID Analytics, Inc.
State: OR
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: Problem getting your free annual credit report

Complaint:
Twice I have mailed in a request to get a copy of my report ( even though I have no idea who this company is or why they have my info as I have NEVER authorized it ). They are saying my score is super low which does not mesh with what the three major bureaus show. I want someone to contact me with a report and I I want them to call me to go over it line by line so I can dispute incorrect info because they obviously ignore the mail they receive and are abusing their title as a " credit bureau '' when they shouldn't be one at all.

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 2020-06-25
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job at the end of XXXX due to COVID-19. The only financial assistance Ford Credit is offering is in the form of deferring one payment with a {$98.00} fee. That doesn't help the situation whatsoever, it only makes it worse. It seems to me that it's only a way for Ford Credit to get more revenue while taking advantage of a global pandemic and people losing their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A " Credence Resource Management Group ''  out of XXXX, TX identifying themselves as collection representatives of XXXX XXXX XXXX have been calling me ( from telephone numbers XXXX and XXXX ) non-stop harassing me for a week on my cellphone without my permission since having had a fraudulent debt removed from my credit on XX/XX/XXXX for a second occasion per the three credit bureaus. On the first occasion this entity appeared on my credit there was a reflected dollar amount of {$740.00} erroneously showing outstanding where the amount was successfully disputed per me on XX/XX/XXXX and subsequently deleted per the three credit bureaus on XX/XX/XXXX. " XXXX XXXX XXXX XXXX '' then on sometime several months later fraudulently and illegally re-reported the same debt as a new account with a slight variant of the balance at {$720.00}. On XX/XX/XXXX this same debt was, again, removed from my credit per the three credit bureaus. This entity has been calling me non-stop on my cell phone without my permission illegally harassing me since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Transunion Credit Bureau back on XX/XX/2018, to dispute the following unauthorized inquiries that are showing on my recent report I pulled from XXXX XXXX .XXXX The agent on the phone was rude and would not assist in my request. List of the inquires are the following : XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX   XXXX via XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX via XXXX XX/XX/2018 TRANSUNION XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX   XX/XX/2018 TRANSUNION XXXX XXXX XXXX via XXXX IXXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XXXX XX/XX/2018 TRANSUNION

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 2017-12-08
Company: Jim Bottin Enterprises, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX XXXX XXXX signed up for health Canceled XXXX/XXXX/XXXX Company called left voicemail saying I could cancel. 
Then I got a notice for a filing for a judgment in court. Company never sent a letter never mailed a notice. 
They also got a default judgment as I could not be there due to a car accident. 
I asked them over and over from the signing of the contract for a copy of the contract and they denied my right to a contract. I finally this year XXXX got a copy which states I can cancel anytime. 
There was no notification of owing any debt. My rights to information and the right to have 30 days to dispute the debt or the validation of the debt were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: SYNCHRONY FINANCIAL
State: VA
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:
On XX/XX/2018 Paypal issued an unauthorized hard inquiry on my credit report. I contacted my credit bureau ( XXXX ) and they told me to call Paypal and I did. Paypal sent me told me to fax documents to them and then refused to ever get back with me. I think it is insane how the government allows citizens of this country to be bossed around my big companies and do nothing about it. I am asking that you something because no one else is doing anything.

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 2018-04-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company has been charging my account for escrow fees each year, which was not on my original loan. They started doing this when I was late in paying my taxes maybe three years ago. They charge {$12000.00} k a year. By them doing that It made it more harder on my behalf yo come up with my monthly dues. i already have complained about this but all they did was to spread the payment over 12 months. Which Is I didnt find a solution. I just want this company to stop collecting escrow fees which I know that you only pay escrow when you buy or sell a house. I could definitely pay for my own property tax, from this day forward. My equity just goes to the chzrges that they impose every year. I want this company to refund me all the payment I made for escrow fees. My equity is gone because of the fees theh charge each year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: The Best Service Co.,Inc
State: NV
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 is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to XXXX which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

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 2019-01-29
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Car loan ( XX/XX/2018 ) XXXX XXXX, Car Loan ( XX/XX/2018 ) XXXX of XXXX XXXX, Car Loan Letters were written to the creditors to have the inquiry removed because no loan was secured and no vehicle was purchased.

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 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was trying to link my checking account at Capital One to my Brokerage account at XXXX XXXX via XXXX XXXX, without any success. My Brokerage account suggested I contact Capital One and then you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: DISCOVER BANK
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:
On XXXX XXXX my driver license, my social security, my passport, and other personal items including my husband documents were stolen. At that time my credit history was starting, so when I reported to the credit bureaus they put an alert for 6 months. 
On XX/XX/XXXX somebody got a credit card from Discover, using my identity. 
I discovered that on XX/XX/XXXX when I downloaded the App XXXX. 
Since that date I have been trying to remove this false account directly with Discover, but have been impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
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:
Multiple fraudulent accounts have appeared on my XXXX, Transunion and XXXX account. 

XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/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 2018-04-16
Company: EQUIFAX, INC.
State: PA
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 contacted all three companies bureaus XXXX, XXXX, and equifax on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with XXXX credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with XXXX, and 10 points with equifax, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with XXXX XXXX XXXX as well. They are also reporting accounts which have been resolved with XXXX XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.

Company response to consumer: Closed with explanation