BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to express my deep frustration and disappointment regarding the negative items that have been reported on my credit report. I believe that some of the information on my report is inaccurate and unfair, which has had a devastating impact on my financial life. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I have noticed that the following personal information is incorrect : Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also noticed that there is incorrect information on the following account : XXXX XXXX XXXX  Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that all erroneous and misleading information be removed from my credit report. I have suffered immense financial harm as a result of these inaccuracies, and I demand immediate action to rectify the situation. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTACT ), I have the right to request a free copy of my credit report once every 12 months. I expect that this request will be fulfilled promptly and without delay.

Additionally, under the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ), I have the right to be treated fairly and with respect. The current inaccuracies on my credit report demonstrate a clear violation of these rights, and I demand swift action to rectify the situation.

I am emotionally devastated by the impact that these inaccuracies have had on my financial life. It is my sincere hope that you will take this matter seriously and take immediate action to rectify the situation. I am committed to improving my credit score and would greatly appreciate your assistance in this matter.

Thank you for your attention to this matter.

Sincerely, 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 2023-04-25
Company: 1st Franklin Financial Corporation
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: A P Auto Finance Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Auto Pronto, ( AP Auto Finance ) on XXXX XX/XX/2021, contacted my in law, - who is not a authorized on the auto account And stated, that they were trying to collect a debt, and in said conversation, decided to let her know, if I didn't bring the vehicle in question back to them, I would be charged with Hindering a Secured Creditor, in the State of Texas. 

In doing such, I feel my rights were violated, as my in laws and I aren't really the best of allies at the moment, and has created all kinds of drama. This has also put stress on a medical condition I have as, I have XXXX induced by XXXX. Doing so, has also caused XXXX  and embarrassing XXXX  on my marriage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX. I have been fighting with FedLoan services for quite sometime. I have obtained a lawyer ( XXXX XXXX ) to help me fight against them. Long story short, ( XX/XX/2017 & XX/XX/XXXX   ) their website payment and email system had many flaws. Emails would indicate that a payments are over due. I would visit their site to make a payment, but no where on the site would it indicate an amount, nor would it indicate which loan was due. I have many loans with FedLoan from school. So I would make a payment so that I could at least make some payment so I wouldn't impact my credit, I still continued to receive emails saying I owed money. So I called to see if I could get a consolidation so that I could get a single payment with no confusion. The representative said he would pause payments until he could get approvals for me to get a consolidation. And that if I saw credit late notices on my credit to disregard them and that it will eventually get removed. Well, they never got removed, nor did they seem to want to remove them ( " Its a late payment regardless is the response i got '' ). So I decided to get automatically payments setup so that I didn't have to deal with these problems. Now I have all these late payments in my history and it's destroying my life. I can not get a mortgage or any other benefits because of what Fedloan services have done to me. I have contacted the Federal Student Aid office to have this investigated. In addition, I have applied to have a consolidation with a new loan office to aid me going forward and i am hoping to get approval so that i no longer have to deal with the Fed Loan service anymore. I have contacted them numerous of times to resolve our differences and they refuse to come to terms to help me. They have also declined a " payment of deletion '' offer that was suggested by my lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX of 2019, XXXX XXXX sold my mortgage to Specialized Loan Servicing. 
Before the loan was sold I owed XXXX XXXX XXXX in charges due to an attempted foreclosure in three years ago. I challenged XXXX XXXX in there assessment of these fees and they investigated the charges. I accepted their charges. Now since my loan has been sold, they say those charges are XXXX, XXXX almost three times the amount on the XXXX XXXX loan. I had SLS ( Specialized Loan Servicing ) investigate those charges and they came back and said no that is what you owe. I have XXXX XXXX statements saying that is what I owed, and now I have SLS telling me no that is not correct. You actually owe over XXXX. Then during the process of transferring my loan, some of my payments went to XXXX XXXX and instead of sending them onto SLS like they stated they would, my loan payments were late and so SLS charged me over XXXX dollars per late payment. I think this is unfair practice on both their parts. I want the CFPB to investigate why I must pay more to SLS than what XXXX XXXX said I needed to pay, and why my late charges were not taken off by SLS.

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 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax did not secure their servers well enough to stop me from being a possible victim of identity theft. I will have to spend the rest of my life meticulously checking my credit reports every week because my SSN and personal information I can not change are on the internet due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: MIDFIRST BANK
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I contacted Midland Mortgage company in XXXX for a payoff statement, when I received the statement I had questions about some of the charges listed on the statement. the charges was over XXXX XXXX dollars with no line item description on what the charges was for. I called and spoke to a representative that told me they will get back to me with the information. After waiting a week, I called back and was told, they could not provide me with the information in the time they told me and transferred me to another department that could help me. The lady I spoke with said she do not understand why I was told they couldn't help me or provide me with the information because it is possible but it would take 24 hours. It has been 3 weeks and I have not been contact by anyone from the mortgage company. I even wrote an email to the Vice President on XX/XX/2022. My complaint was they claim they charged me {$20.00} every time they could not verify occupancy. They claim the charge is because they had to send someone to my house over 83 times. I told them at no time did anyone come to my home to ask me o my XXXX  children if I was home or occupying the home. During the years of XXXX and XXXX I was working from home so I know for sure that no one never came to my home. I was asking them to refund me my money and no one never go back to me. All I want is my money back for those charges and other charges that they can not explain that was listed on my payoff statement and was paid during the sell of the home on XX/XX/2022 I will be attaching the payoff statement and the charges in question is described as fees currently assessed. These at supposed to be several different charges that they can not explain and will not explain.

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 2019-04-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX I got an FHA loan on my home. I put the required amount down ( 10 % ), and was told that the PMI insurance ( mortgage default insurance ) would come off after 5 years. This wasn't the case as I am still charged PMI now in XXXX. 

By law, FHA loans before XXXX can have the PMI canceled after 5 years, or have 22 % equity in the property with no missed payments. In XXXX the banking industry got a law passed to make PMI insurance ( an income product they sell to investors and get paid to service the payments ) mandatory for the life of the loan. Since mine was on the books before XXXX, the PMI for life of the loan rule does not apply. 

I purchased my home for approximately $ 142K. Due to improved local real estate conditions, and several major home improvements my house was conservatively valued well over $ 200K+ ( by a local real estate agent and their team ). This market equity meets the legal guidelines for PMI removal, and since I have never missed a single payment in 10 years I should not have to pay PMI payments each month. 

Here is the complaint : 1. My mortgage issuer ( Wells Fargo ) is not using market value ( $ 200K+ ) they are using the loan value listed on my amortization schedule, which is based off the original purchase price. They choose to not use the market/sale value to calculate LTV. Instead, they use the loan balance divided by the original value of the home as their " loan to value. '' 2. This odd calculation was never shared with us before we got the loan. Or that fact, we would need to pay PMI for 20 years on a 30 year loan. This is unfair for other reason as well. If I defaulted, and they sold my home they would make a healthy profit ( easily double their loan principal ). My credit score is over 800, and I have never missed a payment. Paying mortgage default insurance is a waste of my money. 

3. Since they recommended that I get an FHA " so I only had to put 10 % down '' I feel even more abused, as I could have put down more and just got a conventional loan instead ( without PMI ). 

4. This is also a devious way for them to force me to refinance. They say I need a market value appraisal to remove the PMI. They will order it and I will pay for, then they can refinance me into a conventional mortgage without PMI. The evil in this, is the appraisal and refinance charges are more than the PMI payments I have " left to make. '' Plus, the rate on the new loan they offer is identical to the FHA one. 

5. Those monthly PMI payments could be dedicated to 1.5 months mortgage payments ( an extra payment each year ) and if applied directly to the principal it would have reduced the interest paid. 

Can you help me get the PMI removed?

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX - Account # XXXX and XXXX XXXX XXXX  - Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!

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 2023-01-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/XXXX Me and my husband went to the car lot, we asked the dealership to only pull from 3 places. When we realized we went to them, I advised I would sue them but anyway I had them print out a letter stating they fraudulently ran our credit. I called the bureaus, XXXX removed it, XXXX has been giving us the run around. Experian removed it for us no problem. 
We sent a letter to all 3, matter of fact it was the same documents, XXXX admitted they received the paperwork, butthen sends me a stall letter stating that it seems to be coming from a 3rd party, I begin to question what indication do they have when I submitted me and my husband 's dispute letter, the letter from XXXX of columbia, ftc reports packaged together ... I told them they need to stop trying to correct people 's reports sending that letter just to prolong the process, they said I have to send it again because they got my ID the next day following ... Im like what does it matter you have every piece of document you asked for. It's gon na be the same info again which is costing me monies to resend. I sent the documents certified at that. 
According to 15usc1681a ( 1 ) ( A ) violation of rights It has been over 30 days nothing back yet they have 30 days to respond Also I reported two negative accounts XXXX  I disputed, it was marked late 15usc1681a ( i ) 2transactions history is excluded from the consumer report, 15usc1666b timing of payments shouldnt be reporting after the first dispute they removed it from XXXX to XXXX when it should be removed permanently XXXX is reporting and I have no business with them. I sent them a stop and decease letter and i disputed this as fraud and to remove the account from my credit reports... this has dropped my scores tremendously...

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 2022-09-07
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX I contacted Mr. Cooper about closing my escrow account since am eligible to do so. A supervisor said that she entered the request in the system. I called several times after because I didnt see any movement in my mortgage account. On XXXX, I called back and was told that I couldnt because the loan to value ratio was at 80percent. I demanded a recount as clearly it was an error. Then they stated that I filed for a modification which I never did. Now i wonder if they are adding erroneous documents in consumer files. Then I was told ok we need to send you documents to sign before we can refund your escrow money and close the escrow account. I let them know that I was previously told that a couple weeks back. This is the second issue with this company attempting to hold my money or post funds in ways that benefits them. The last issue in XXXX, they took a large sum sent to be paid all to principal and made an advance payment which gave mr cooper more interest than entitled to. I had to fight to get that corrected. Please pull this companys reviews as many other consumers are stating that they are having similar issues. This company should be investigated for fraud because too many consumers are being affected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
failure to abide by fcra. 
continued failure to comply w previous complaints. 
continued " updated '' files which canot be proven accurate and nothing was sent my way from either the bureau or these companies within 30 day limitation. 

refuses to remove all reported adverse accounts. 
refuses to remove accts closed under fraud statute which should be deleted. 
accepts fraud from companies violationg cardholder agreements etc.

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