BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-08
Company: American Financial Resources, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I are in the process of building a new home on our property in XXXX ( county if that matters for some reason ). We have contracted with a local company called XXXX XXXX XXXX to build the home. XXXX does not offer a turn-key home, so we were looking for a bank that would allow us to act as our own GC. A friend got involved and referred us to a Loan Officer at XXXX XXXX named XXXX XXXX. We gave him all the information including that XXXX has a draw schedule that is different and that they don't deliver a turn key house. The friend that referred us ( XXXX XXXX ) and the Loan Officer figured that XXXX was a contractor and that we would step in as the GC. We had many issues with the Loan Officer but eventually we closed out our one-time close conventional loan in XX/XX/XXXX with the financial institute AFR. When we tried to get our first draw from AFR we ran into problems, which started in XX/XX/XXXX. AFR determined that XXXX XXXX was not actually a licensed or insured GC like he told us, but was using information from a company he was affiliated with ( he told us it was his company ), XXXX XXXX XXXX XXXX AFR admitted they did not vet XXXX at all, even the Contractor License he supplied them with was expired prior to closing. In XX/XX/XXXX when this came to light AFR said we were still responsible for the loan and we had to find a new GC and pay out of pocket for them. We were able to find another GC to work within our budget. Last week we spoke to yet another person at AFR who was very supportive and talked about how it seems that XXXX XXXX and XXXX XXXX committed fraud and said they were going to review our contract to get us more time to finish the build instead of the XX/XX/XXXX date ( 1 year from closing ). Earlier this week they called to say the only options to us are to pay off the {$10000.00} outstanding on our mortgage with them ( which only includs closing costs from our closing with them, we have been paying the amount due of {$50.00} every month since XX/XX/XXXX ) and start again with a new bank. Or we can refinance with them and pay new closing costs on the refinance. 

We have paid out of pocket up to this point. We have permits for the septic and building permits that were required that we get before they would close, and we paid out of pocket for the excavation and building of the pad because they said they were working on getting the draw situation organized. When I told them those options weren't acceptable they said they have zero responsibility to vet a builder and it's our fault for hiring the loan officer and they will have their lawyers contact us and hung up. We are now in a position where our permits will eventually expire, we will be out of contract with our builder and just have additional debt for construction and building permits for a home that does not exist. I have no clue where to even start with finding a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: ENCORE CAPITAL 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:
Credit bureaus, refuse to correct information after being provided proof XXXX XXXX reporting DOUBLE JEOPARDY XXXX XXXX/XXXX XXXX they both reporting on my XXXX XXXX report XXXX XXXX XXXX should be remove off of my credit FCRA Section 623 Accordion from XXXX XXXX Investigation Results File XXXX Date issued : XX/XX/2018 XXXX XXXX was DELETED FROM MY FILE XXXX XXXX is still report on my report as of today I sent you a copy of Investigation Results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Credit Central Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am having financial hardship. I told the company however the company continues to call me two to three times a day. The company calls my house phone, my cell phone and my job. The company has came to my house and have left messages on my door. I have asked the company to stop however they continue to call but the company has not sent me a final bill. I have not received anything in the mail but the company has continually called me since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-01-13
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent multiple emails to this address listed in this companies website. However I have had no response in trying to verify this debt. This debt has been paid and still no response that the debt was even owed to begin with. It is reporting with missing and in updated information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
This company failed to comply with FCRA regulations and notify me that they have/would be/or could report derogatory information to all three consumer reporting bureaus. Despite having an address on file, references on file, an email address on file and an additional authorized third party on file they made no diligent efforts to notify me of this prior to the damages being caused. Their failure to uphold their responsibilities caused me to lose a house I was set to close on valued at {$190000.00} in addition to appraisal and inspection fees. Not to mention, they continuously attempted to draw on a closed checking account and I incurred expenses with my financial institution as a result. I attempted to see if they would remedy this by a good will gesture as I have never been in default before and this was an isolated incident but they replied with " they tried to call me and its my own fault ''. I further explained to them the circumstances surrounding the breakdown in communication and they would not reasonably reach a civil conclusion.

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 2018-11-12
Company: Applied Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX will not respond to several requests for validation of debt put on my credit report. Nor will they send me a copy of the HIPPA release to even verify a debt they say I owe. Now there is Applied Business Solutions/XXXX XXXXXXXX XXXX trying to collect on a debt that I don't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Nextep Funding LLP
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I bought a puppy from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   NV XXXX ( XXXX ) XXXX An I got her on XX/XX/XXXX and she got sick and took her to XXXX XXXX XXXX of XXXX XXXX to find out she was in Critical condition with many issues. Got a bill for couple hundred dollars. They call me and told me she was getting worse. I stayed with her for couple hours and she was throwing up and having issues. Took her back to XXXX XXXX and the owner wants to act as if she fine. The dog cant even stand up and said I can get a full refund and the story changes. As im leaving the owner wants to tell me that the dog is fine she just ate. The dog has not been able to hold food in any way. I finance the dog threw. Hello Funding LLC.

I bought 2 dogs in which the other dog has issues as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
CHEXSYSTEMS Consumer ID : XXXX XXXX  XXXX XXXX checking account ending in XXXX was reported to chexsystem by XXXX as " Suspected fraud activity ''. 

After filing the dispute chexsytems, they told me XXXX XXXX XXXX reported information was verified. 

But now they reported closure status : " SETTLED IN FULL '' - Attached copy of investigation from chexsystems. 

I have disputed transactions on XXXX, but they closed down the account and reported it " SUSPECTED FRAUD ACTIVITY ''. Account has no balance as stated in the investigation letter by CHEXSYSTEM Report. 

I have every right to report any transactions i didnt do as " Unathorized '' with the bank. But XXXX closed out the account because it has a balance i had to pay for some of the disputes that i lost which i should have won. They reported it as " suspected fraud activity ''. 

It is very unfair and it has a very barring affect on my life. Please help me settle this removal of " fraud ''. 

I am willing to provide and go to press if requested. Please check the attachment of the investigation letter from Chex. 

Thank you, 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 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently discovered that I am victim of identity theft and have file theft report in reference to the incident. I am not familiar with credit and how it works. I receive help from the credit reporting agencies in regards to having items removed due to fraud. I was told to file a FTC   report to have the following items blocked/ deleted. However, the items are still listed on my file. I am reaching out to the CFPB to assist me with my issue.

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 2018-11-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Reviewed my credit report last week and saw that chase card services was reporting a balance of {$3500.00}. Please produce validation of this account per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was approved for a credit card with promotion but not knowingly denied promotion. At no time during the application or approval process I was informed I would not receive the promotion. I tried to proactively inquire when I was notified I was approved but the representative stated she did not have that information and would be available when I got the card. Needless to say I have no use for a new credit card with 15.99 % interest. I would have declined.

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 2021-05-04
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS VICTIM OF IDENTITY THEFT, AND IN RESULT SEVERAL ACCOUNT HAVE BEEN OPEN UNDER MY NAME THAT ARE FRAUDELENT DISCOVER BANK # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX,, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern, I have some major issues with my credit report fraudulent addresses, inaccurate name, and un-validated accounts showing on my report. My name is XXXX XXXX XXXX not XXXX XXXX please delete ANY and all variations of my name they are not accurate. I beg that your department might consider helping with a difficult situation. I have managed to get my XXXX XXXX Credit Report updated properly. However managed to acquire some unverified items that have effected my FICO. 
Eventually I look forward to applying for a home loan, and as a result I am worried this inaccurate information may spoil my credit rating. Please delete the following accounts this is a 609 FCRA dispute on the following : XXXX XXXX XXXX, XXXX I have never had accounts with theses companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX THD/CBNA Acct # XXXX XXXX CARD Acct # XXXX XXXX BANK XXXX # XXXX XXXX BANK NA Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

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 2019-06-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Rushmore in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have an ARM Mortgage with the original loan amount of {$450000.00}. 

There are 3 issues : 1. Payment History I was concerned about the principal and interest amount being charged by Rushmore so I asked them for my payment history. I was told they only have my history as of XX/XX/XXXX, I contacted XXXX XXXX who said that everything was transferred to Rushmore. I would like to see my payment history since XX/XX/XXXX when I first acquired the loan until today, This will allow me to see the interest rate, the principal and interest payment., All of this information is with Rushmore and I have been asking for this information for nearly 2 years. 

2. Principal and Interest The principal and interest being charged is high. When I first got the loan the interest rate was over 7 % on a principal balance of {$450000.00}. I can not remember the exact payment amount but I think it was about {$2700.00} including escrow ( this is why I need my payment history ). Today the interest rate is 6.125 % and the principal balance is {$360000.00}. Yet the principal and interest is higher than when the interest rate was 7 %. 

I will be able to provide specifics if I could get a copy of my payment history. The current calculation is wrong and is making my payments unaffordable. This has resulted in me being unable to pay. 

3. Notice of Intent to Foreclose In the District of Columbia, a Notice of Intenrt to Foreclose is typically send 120 days after the borrower has stopped paying the mortgage. Here, Rushmore the note is 45 days past due, I plan to call Rushmore to work out a plan but the Notice of Intent is premature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Somehow my credit score went from a XXXX to a XXXX thats impossible when I had no added debt to 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 2021-11-08
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo illegally reported my mortgage as currently and previously for the past years showing Delinquent ; as it is not and at any point it should not be or previously show delinquent. In the past received a Modification and WF noted would not report past due during covid and also prior to covid worked with specialist XXXX XXXX due to WF illegally treated me unfairly with improper mod agreement. 
WF continues to treat me unfairly and falsy report derogatory info for years and should pay for it by relieving my mortgage payment s for A YEAR due to their negligence. 
Intentionally placed my credit report in jeopardy and derog status by incorrectly reporting false and derogatory information. 
WF intentionally and continuous mistakes by treating me unfairly as this is atleast what they should offer. At this point they should be penalized by offering no mortgage pmt relief for the next 12 months due failure to report correctly. 


First incident-mod agmt kicked out due to making a pmt at a drive thru and they/XXXX XXXX stated pmt was late as it wasnt -they immediately started foreclose process as I got HUD/CFPB complaint involved to correct . 
2d time-opened 3 checking acts without my authority and request to close as they refused to close-/file complaint w/CFPB 3rd time - continued to charge me pmi after I paid over 30 % of bal and inquired as they stated they removed pmi as WF lied, reported to cfpb as WF had to reimburse me for the overpayments 4th time-refused to offer proper mod agmt after I informed WF should be in a forbearance plan/showed proof of unemployment- instead WF offered HUD partial claim, file complaint w/CFPB & HUD as HUD resolved . 
5th time XXXX same situation-got laid off & provided HUD partial claim, higher rate and longer term as they should have offered forbearance mod agmt.-HUD involved and file complaint with CFPB as well..

This is the 6th time WF has treated me unfairly. When does it stop and how many times do they get away with this? WF must own up to their mistakes, with all of these illegal and fraud situations I have be treated unfairly and ended up pay additional interest, start my mortgage all over again in XXXX, after paying over XXXX into it since XXXX, and WF get more funds from me repeatedly. Yes they must own up to their mistakes by relieving my mortgage for one year OR remove the whole debt 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