BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: NQM Funding, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We started working with XXXX XXXX from Mortgage of Florida, NP, Inc around late XXXX. 
On XX/XX/XXXX My husband and seller signed a contract and We transferred an agreed $ XXXX deposit. 
We immediately started working with Mr XXXX and on more or less XXXX XXXX I became a party to the application. They pulled my credit which was acceptable at the time for an fha loan according to the loan officer and the pre approval letter. 
There was a situation with my husband and his accountant where he thought his taxes were filed but they werent. Once We found out they werent my husband immediately filed them. Though taxes were extended because of covid 19, loan officer told us we had to file his taxes for the fha loan. 
We provided everything immediately. Loan officer asked for more time and extending the closing dates three different times. 

Apparently with all these things with covid 19 issue we went over our effective date we wouldve had the approval. 
We were not instructed to provide a letter to terminate the contract to the seller- assuming that everything was kosher. 
At some point, the loan officer dragged his feet through the covid 19 and requesting note and more documents. 
On XX/XX/XXXX ( 10 days after our closing date ) the loan officer said something changed on my credit and they changed their guidelines and that why we didnt get approved. 


Because we were misinformed by both the loan officer and the realtor, we lost our $ XXXX deposit to the seller. We suffered tremendously with this company as we were never given answers to our questions in an appropriate manner. 

We lost all of this and time while XXXX with a XXXX year old. They left information out, didnt tell us entirely the truth, and changed their guidelines after our closing and didnt inform us until it was too late to pull from our offer. We had to give up our deposit of {$5000.00} which is not right. We are first time home buyers. We put our trust in the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had automatic {$1600.00} withdrawals from my bank account for my Bank of America mortgage since inception. Bank of America unilaterally ( supposedly ) shut-off automatic withdrawals effective with the XX/XX/XXXX Mortgage billing statement. All prior statements clearly stated, Scheduled payments ( PayPlan/12 ) - Your next payment of {$1600.00} is posting on XXXX. The XX/XX/XXXX statement ( and all earlier statements XXXX had this note, but the XX/XX/XXXX statement did not. It only stated that I must pay my mortgage before XX/XX/XXXX. <copies attached>. Further, when I went online on XX/XX/XXXX to verify the automatic withdrawal, the online status indicated automatic withdrawals were not active. 

On XX/XX/XXXX I paid my invoice which was due on XX/XX/XXXX. Then Bank of America made an automatic withdrawal on XX/XX/XXXX. To make matters worse, the 2nd payment unlawfully withdrawn by Bank of America, was not applied 100 % to Principal.

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 2020-09-03
Company: BARCLAYS BANK DELAWARE
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:
I recently reached out to Barclays Bank mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law Barclays must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ).

Section 605B

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 2020-05-21
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ON XXXX received an alert from XXXX stating that Enhanced Recovery added a collection onto my account the same account that was dispute listed above they are continuing to add the account on my credit file when I have advised them that I was not the party who is responsible for the account due to identity theft and yet they are continuing calling harassing and trying to force me to pay for something that does not belong to me, please remove the account from my XXXX credit report and find the person responsible for the debt Results Report Number : XXXX Date Generated : XX/XX/2019 XXXX XXXX XXXX  XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
XXXX XXXX | View your Report | View your credit score Deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TCF NATIONAL BANK
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
TCF Bank has recently overhauled their servicing infrastructure which includes how a customer makes payments. During this process the customer is forced to re-enroll in their website and set up their payments again. I was able to successfully able to re-enroll with their system and set up automatic payments. However, when the date of payment I selected arrived ( 9 days before due ), no payment went through. Assuming that this would instead go through on the payment date, I waited to see when that would happen. ( On a side note, a customer must enroll into two different systems, one to see balance and statement details for your account AND another to merely make a payment ) The payment did not go on the due date and therefore I made a manual payment that day. Additionally, I made an extra payment XXXX {$30000.00} XXXX a day later, but neither of those payments went through and were subsequently reversed days later. I received no notification of the reversal, I only noticed when the payment was not taken out of my checking account ( thankfully not TCF Bank ). 

I have made several attempts to contact TCF Bank, but was disconnected after 2.5 hours each time. Apparently their system does not allow a customer to hold longer than that. 

Finally, I have made multiple attempts to contact them via their " Secure Message ''  and through regular email, with no semblance of a resolution from either mechanism. Logging into their website also appears problematic now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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:
I recently reached out to XXXX XXXX mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law XXXX must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ). 
Section 605B

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 2018-05-21
Company: Experian Information Solutions Inc.
State: CA
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:
At the end of XXXX this year I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to get all kinds of credit. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and XXXX stated that the items are under investigation and Experian has done nothing. 30 days have passed and I sent my second request to XXXX and Experian, XXXX stated again under investigation and Experian has again done nothing which is why I decide to come here for help, please help me

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 2019-03-07
Company: Experian Information Solutions 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:
There is a major issue with information on my credit report. My name is XXXX XXXX not XXXX XXXX which is a name that constantly keep showing up on my credit reports. I sent in a copy of my utility bill and my social security card showing my correct address which is XXXX XXXX XXXX, XXXX XXXX, Nv XXXX. Been here for quite sometime. I called the credit card companies and all those accounts are XXXX XXXX not XXXX XXXX with a address that do not belong to me that was opened online some time ago. I have disputed and this is my last attempt to remove this accounts for they belong to someone else. The XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Im assuming these accounts are connected to a bankruptcy that showed up on my 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 non-monetary relief
Consumer complaint received 2023-01-19
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 accodace with the fair credit reporting act XXXX account # XXXX, has violated my right. 

15.u.s.c 1681 section 602 A. State I have the right to privacy 15 u.s.c 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 2018-07-27
Company: USI Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sometime in XX/XX/2018, I started receiving phone calls from USI Solutions , Inc regarding a credit card from XXXX  XXXX XXXX that was in collections ( and also had a judgment against me ). In wanting to clean up my credit, I agreed to make a payment of {$2400.00} to settle the account. I received a letter stating the settlement agreement on XX/XX/2018. I made the payment. on XX/XX/2018 I received a letter stating the account was paid in full. 

in the process of applying for a loan, I was told the judgement was still on my record and was owned/initiated by another company. I contacted that company and was told the account was never settled and they didn't know who USI Solutions is. 

on XX/XX/2018 I contacted USI Solutions, Inc and spoke to a XXXX XXXX, who was very rude to me. He first told me he didn't know what company they had purchased my account from, so then I ask for a verification of debt letter, for which he told me the account was closed, and then told me it would take 30 - 90 days to get a verification letter, and then told me I would have to speak to the woman who handled my account but she wasn't there that day. 

So now, not only do I still owe over {$4000.00} for the judgement account, I can not get information on from USI Solutions as to how they have the account and to get my money back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: LDF Holdings, LLC
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:
I received alerts from XXXX and XXXX of a new tradeline appearing as Collection on my reports. The account shows opened XX/XX/2020. The company reporting is XXXX. I've never received any information or heard of this company before. I've never, ever done business with them. I found the company online, however, no assistance for correction. I have no account number, no date of account transactions, nothing! It shows opened on my reports in the amount of {$1.00}, XXXX on XX/XX/2020. Nothing else. I had no account number to give them. They don't have my social security number or full name, this just appeared on my credit reports and no one seems to know why. This is very frustrating and needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My spouse started buying this home in XXXX. He XXXX in XXXX. He had mortgage insurance that paid XXXX on a house purchased for XXXX with XXXX being paid when we bought it. We do not have taxes included in house note just insurance and lender placed flood insurance. I am the spouse and my credit is not good. My interest rate on this loan started at 9 % and now it is 7 %. I owe XXXX according to their records. We had a thirty year mortgage. I do n't understand since we paid XXXX in XXXX and I am paying more than 300 in interest each month on such a low principal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Diversified Adjustment Service, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: MO
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:
Today XX/XX/XXXX XXXX is still investigating, while Experian is still allowing the XXXX XXXX XXXX XXXX to post the amount of a loan to be on the credit report which should be off my account due to the 7 year limitation statue from XXXX. I located information of the XXXX XXXX ( XXXX ) who have contacted me about a breach and I was one of the thousands who account was breached. Plus medical information showing that I was unable to work and could not have made payments but was documented on the credit bureaus history I have made ( was fraudulent ) in order to keep the account open and to not allow the 7 year statue not be recognized and the negative account removed the charge off ). Along with XXXX as well, thereby keeping my score, overall low. For what ever reason my account has been in this state, and even when I call to verify I do not get anything corrected. I now am an authorized user to someone else credit card and in good standing and given another credit card with no balance with a different credit card number, yet they are putting the authorized primary account holder information on my credit, but instead of it boosting my credit score, which it should, they are NOT allowing it to do so?

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 2021-08-10
Company: TD BANK US HOLDING COMPANY
State: FL
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:
The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2021-08-10
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
US Bank makes it increasingly difficult to request credit card agreement and terms. US Bank makes it increasingly difficult to file disputes on charges. US Bank credited me back XXXX cents XX/XX/2021 for my dispute on a merchant charge plus my rewards credit of XXXX cents on XX/XX/2021. US Bank subsequently stole my money from a dispute and rewards redemption claiming they are unable to mail a check for under a dollar. US Bank made it difficulty to receive my funds back stating I would have to make numerous calls for a resolution. On XX/XX/2021 I called to speak to card member services representative XXXX who requested a manager call back on my behalf. Final resolution still pending on numerous issues.

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