BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
Company: Angel Oak Mortgage Solutions LLC
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:
Earlier this year ( XXXX to XX/XX/2018 ), I had attempted to refinance a townhome I own in XXXX XXXX, UT. I was working with XXXX XXXX of XXXX XXXX XXXX, who in turn was " shopping the loans '' with different companies/banks/investors. One of those companies was Angel Oak Investors out of XXXX XXXX, Georgia. The deal fell through as my income has changed, and they were understandably not comfortable assuming the risk. However, they have continued to pull my credit via hard inquiries. I called and emailed XXXX twice regarding this matter who said he will look into with Angel Oak. I have emailed and called Angel Oak and copied my attorney on the emails and have received no response, only continued inquiries into my credit which is needless to say, quite frustrating. Attached is documentation through XXXX XXXX credit monitoring supporting the above information. 





Regards, XXXX " XXXX '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2021-01-27
Company: Synovus Bank
State: TX
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 obtained a secured credit card from First Progress Credit. I had a hardship and asked to close the card since it was secured with my own money. They never closed the card then started charging many fees. Then they charged it off and reported it on my credit as if I owe them {$200.00}. I secured the card with XXXX. First Progress continues to report negative remarks on my credit falsely. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Equifax refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Equifax Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage lender submitted the 1Q 2020 tax payment with an incorrect reference number and my city was unable to credit my property tax account. I've spent approximately 40 hours on the phone with the mortgage lender over the past year trying to remedy the situation. Each subsequent quarter, the mortgage lender submitted an incorrect amount resulting in our account being continuously overdue throughout the entire year. We've received delinquency notices monthly all year and finally the week before XXXX we received a notice of tax sale on our home. The lender finally acted, though once again did not pay the correct amount. Rather than waste my time and energy, I went down to city hall and paid the difference myself. To clarify, my mortgage lender did not pay 1Q 2020 property taxes that were due on XX/XX/XXXX2020 until XX/XX/XXXX. 

Now that this tax issue is sorted out, we've received an escrow disclosure statement where it is evident that the mortgage lender is attempting to charge late penalties to me. I was assured repeatedly throughout the year that the lender would be solely responsible for paying any penalties. It is my understanding that the reason I pay monthly escrow payments is so that the lender can make accurate and timely property taxes. Instead, the lender has wasted my time, caused XXXX  and XXXX, repeatedly made property tax payments incorrectly, late, or not all and is now attempting to charge me for their error. To add insult to injury, they are asking me to pay an escrow deficit of {$4400.00} by XX/XX/XXXX. 

I am at my wit 's end with this lender and I do not know where to turn. I have filed complaints with the XXXX  twice that have not resulted in anything outside of a letter from the lender indicating that they are reviewing my account and will get back to me on regarding my inquiry soon. I can't go through this for another year let alone another XXXX years of my life.

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 2018-04-05
Company: EQUIFAX, INC.
State: NY
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 following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XXXX XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payments with Selene Finance increased from $ XXXX to $ XXXX after the XXXX Escrow analysis. I requested Selene Finance to detail the Escrow analysis and explain where all my payments went during XXXX. They never answered, so I reached out to CFPB to hold Selene Finance accountable. Selene Finance have since reduced my payment to {$1800.00} ( with no explanation ). I also I requested in writing from Selene Finance REMOVAL of my Escrow account to prevent this in the future. I also spoke with Selene over the phone and they said the escrow would be removed in XXXX hours and to call back to make payment of Principal and Interest ( P & I ) only. When I called back they talked in circles. So this is a Follow up to be sure Selene Finance understand I want the Escrow Removed from my account AND a refund for the money paid into Escrow to date in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivables performance MGMT XX/XX/2017 this company send me a bill collect for The originally XXXX XXXX .. for the amount of {$570.00} I contac XXXX XXXX and XXXX  and XXXX this bill is a fraud from someone else stolen theft my identity at this time I provide you my real ID my driver lincense with the only I Adress I live at for the las couple years! Now Im asking you to take care this situation .. in the right way and fair XXXX XXXX say they dont know about this account but is in my XXXX report from you. I need this verified again and I need you to take this off my credit report XXXX  be cuz I never get any service from you or XXXX XXXX I can prove it in court if we have to go the bottom line of this situation.

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 2018-10-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
- I applied for a mortgage at TD Bank. 
- I participated in a preliminary prequalification phone call and was approved for over {$500000.00} for a loan. 
- I entered a contract for a property that required a loan for {$280000.00}, and started the next step with TD Bank which was to sign documentation and they stated at the beginning of this step in an email my rate for a loan would be 4.875 % interest rate. 
- I was told I did not qualify unless I paid off {$1500.00} of my credit card debt and {$59000.00} of my student loan. 
- I stated I did not have the funds to pay off these debts. They told me verbally over the phone I was not approved and I asked for documentation stating that so I could get my deposit on the property back. 
- A week later they told me I was actually now approved and at rate of 4.5 % and again they put that interest rate in an email that asked for us to sign the same documents previously which we did. 
- We inquired about next steps and then they told us our loan rate was now 5 % interest rate. 
- I believe this is a classic case of bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link my checking account with PNC to a website but got the message below : PNC has made a change that prevents you from being able to link your accounts. 

I should be able to utilize my account in anyway I choose. Unfortunately, this problem prevented me from taking advantage of a great opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: DISCOVER BANK
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I and my husband have few accounts with Discover bank. Checking account with debit card although has my husband 's name on it has my social security deposited into it. I exclusively manage all accounts. From that checking account I instituted monthly payment for my car to XXXX XXXX in the amount of {$500.00} to reach by a due date of XX/XX/XXXX of each month. For some unknown reason payment in XX/XX/2019 was not made on time and I made an order for electronic payment on XX/XX/2019. Discover usually mails a check. That belated checked XXXX attempted to cash twice until I called them and told them that since they received an electronic transfer there is not money to cash the check because funds were exhausted in that electronic transfer. Yet Discover mailed me by mail and through secure message center on line sent me notices about " insufficient funds. '' XX/XX/XXXX payment was cancelled altogether although Discover claims that it was me or my husband who cancelled the payment which is a lie. At this point it is clear that Discover acts as a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency by the name of AFNI showed up on my credit in the amount of {$1300.00} in or around XX/XX/XXXX/XX/XX/2018. I disputed the amount at that time and requested for them to validate the debt by showing my original signature and contract showing this amount. I have no contract or signed any documents with AFNI. I also requested validation of a contract between them and the original creditor. I was informed they did not have information on the account and it would have to come from XXXX. XXXX no longer has the account and they are not reporting it. I again requested validation of the debt in or around XX/XX/2018 and was again informed they have no information on the account. I called on XX/XX/2018 in one last attempt requesting validation of the debt and was informed once more, that they have no information and can not pull my file. AFNI has failed to validate this debt or provide any documentation with my original signature or contract within 30 days I request for this collection to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear FDIC, I am once again writing this complaint in dire need of my original complaint to be resolved ID : XXXX. I expressed to Citibank that my family and I are in desperate need of the {$50000.00} I deposited in my interest checking account in XXXX. My mother and I both opened new accounts in XXXX in order to obtain a {$700.00} promotion Citibank was offering. Citibank had closed my account without notification/notice in XXXX, and have since prevaricated giving me the total sum that I deposited for the past 3 months that I have been speaking with them. I am constantly transferred to a different line, hung up on, and told that a check will send that ultimately, they couldn't even give us a tracking number for or proof of it being sent. The most recent conversation I had with a representative at my local citibank, suggested that instead of mailing me a check, they would add me to my mother 's recently opened account so that the {$50000.00} could be transferred to our joint account. After promising us that this transaction would be cleared on Thursday ( XX/XX/2020 ), the money has still not been transferred. The representative from my local bank spoke with a corporate representative, who stated today ( XX/XX/2020 ) that the back office needed to clear the money to be transferred, but this is the exact same back office that has not sent us the money in the past, and are now saying that the money is in a ledger. 

I do not understand why Citibank is holding onto my {$50000.00}. This issue has gone on for far too long and my family needs the money to survive in these dark times. Their negligence to our needs is irresponsible, effortless, and morally reprehensible. We need the FDIC now more than ever to bring this situation to light. 

I hope to hear from you soon.

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 2018-04-05
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:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

I have never done business with the XXXX XXXX XXXX XXXX XXXX. This account was opened due to fraud.

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 2023-08-16
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
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:
I HAVE REQUESTED INFORMATION ON THIS ACCOUNT SEVERAL TIMES, ASKING THEM FOR THE METHOD OF HOW THIS ACCOUNT WAS OPENED AND ALSO THE ORIGINAL SIGNATURE ON THIS ACCTOUNT. THEY REFUSED TO SEND ME ANYTHING KEEPING ADVISING THAT THE ACCOUNT IS SOLD TO ANOTHER LENDER. SO WHY IS IT STILL BEING REPORTED TO THE CREDIT BUREAU BY THE COMPANY AS LATE.NO VALIDATION AT ALL SENT TO ME LIKE REQUESTED SEVERAL TIMES..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: The Outsource Group, Inc
State: TX
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 have disputed this account entry with XXXX on numerous occasions. In my letter dated, XX/XX/2018, I requested debt validation ( see attached letter ). I submitted a second request to them in my letter dated XX/XX/2018 ( see attached ) and they did not respond. XXXX blatantly ignored my request to provide a copy of the financial responsibility page and a copy of my signature with the alleged provider of service to release medical information to them as well as for them to cease any credit bureau reporting until the debt had been validated by me. XXXX did no such thing. 

By not providing the aforementioned information that was requested, XXXX is in violation of HIPPA rights. This entry is erroneous and inaccurate in nature as well as unverifiable and therefore should be deleted immediately from my credit 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 2018-04-05
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:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to 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