BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-31
Company: Fairway Independent Mortgage Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initially worked with one lender until my realtor group highly recommended using XXXX XXXX at Fairway ( NMLS # XXXX ) due to many positive factors. ( XX/XX/2021 ) After talking to XXXX XXXX, he ensures that he could beat the deal that the other guys were offering and was " 2x '' faster than them in closing. 

( XX/XX/2021 ) After him talking me into using his service, I started the application, ran my credit, and provide him with my personal information. Until today, I have not received a Pre-Approval Letter or Loan Estimate information. XXXX mentioned he gave the Approval Letter to my realtor, which is fine, but I have not seen any loan estimate 3-days after my approved application. 

( XX/XX/2021 ) I have now started escrow and asked him to provide me an " Official Loan Estimate, '' and he is now asking me to obtain one from the other lender I was first working with. Since his group was the last company I was working with, I would expect them to be providing this information since I had already run my credit and provided all documents ( 20+ ) they requested. Now that I am asking for them to provide me a loan estimate that I have never received, he says, " I can move forward, yes. But the issue is- if I get moving full speed ahead and spend 6 hours putting things together and all that- and then navy comes back with a silly rate that I can't match- it's been a waste of all of our time, yours included. '' In reality, the " waste of time '' is working with XXXX XXXX that tricked me into working with him. 

XXXX XXXX at Fairway ( NMLS # XXXX ) has provided me no communication or any further documents ( Pre-Approval Letter or Loan Estimates provided to the client by law ). I am now humbly asking for an " Offical Loan Estimate, '' and if I decide to continue business with Fairway, I would like another loan officer. Poor Service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX in XXXX XXXX, FL XXXX. My social # XXXX. XXXX/Honda financial is showing a lease on my personal credit report, one that is NOT in my name as borrower or co-borrower. I am however listed as a GUARANTOR on ( 2 ) XXXX leases. A XXXX XXXX and a XXXX XXXX. However, I am not a borrower or co-borrower. The ( 2 ) leases mentioned above are ONLY in the name of a business, which is " XXXX XXXX XXXX XXXX, XXXX " XXXX XXXX, myself and the dealer, XXXX XXXX, all have copies of the contracts that proves both of the above. Neither of these leases should be showing up at all on my personal credit reports unless the business were to default on the leases With XXXX/Honda Financial. I need swift help taking care of this with XXXX, as this mistake is causing severe damage to my credit report and debt to income ratio. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: SC
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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I didnt realize it was going to be this bad. My bank wants to set me up with a new account to avoid this but Im afraid theyll come after me at my job. I cant lose my job due to harassment. Im very scared. I was struggling but I didnt realize how much Id have to pay back. The bank says they keep taking and taking and taking and the fees are crippling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
X/XX/2017 Transworld Systems Inc. sending letter for extortion of {$240.00} For Creditor XXXX XXXX XXXX XXXX. These are illegitimate charges and are a form of extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a XXXX XXXX {$600.00} promotion online in XX/XX/2020. The offer said you get {$300.00} when you open a new checking account and direct deposit {$500.00} or more within the first 60 days. The first part of this offer I completed on XX/XX/XXXX by submitting {$600.00} direct deposit from my employer. The second part of the offer claimed you get an additional {$200.00} bonus when you open a new savings account and keep a balance of {$15000.00} for 3 months. This was completed on XX/XX/XXXX. When completing both offers, you get an additional {$100.00} for a total of {$600.00} with a payout date of XX/XX/XXXX. 

Come the payout date, I wasn't provided the bonus. I opened a case with support through their website. They initially said I didn't qualify for the bonus because a direct deposit wasn't made within the time period specified. This was incorrect and I provided them details about the direct deposit my employer made within the first 30 days of account opening. I opened a second case and now they are telling me I don't qualify because the checking account was closed. I wasn't provided any notifications, emails, phone calls, letters in the mail, or anything regarding my checking account being closed or in bad standing. 

Banking support was a pain to work with. I was hung up on after waiting 30 minutes on hold to get some support about this issue. I took to the messaging system which would just not work at all on some days. Unfortunately, it was a bad experience overall and a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Since Hurricane Maria, I had financial problems. I have tried to make payments, but it is abusive that they are calling Sunday to try to make payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have sent a letter requesting a copy of my consumer reports. I have talked to representatives over the phone and currently still waiting to receive through mail. It has been over 2 months now.

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 2021-05-31
Company: Experian Information Solutions Inc.
State: LA
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:
On XXXX XXXX. I sent a dispute to XXXX, XXXX  and Experian Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to XXXX, Experian or XXXX. I have been disputing this for 9 months and the bureaus XXXX, Experian and XXXX  are not legally reporting the correct information.

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2021-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
portfolio recovery associates llc calls me everyday including at work when im in a meeting. 

Pursuant to 15 USC 1681a ( 2 ) ( b ) ''any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is ''the term '' ''credit card '' means any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' notice congress said ANY card. the credit card is my social security card. this is the credit card I used to originate every consumer credit transaction for portfolio recovery associates llc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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

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 2021-05-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a complaint regarding some incorrect information to these companies on XX/XX/2021. I understand that these companies have 45-60 days to respond. It has been nearly 60 days with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX Account # XXXX Bal : {$1000.00}

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 2020-08-21
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dovenmule Mortgage agreed to work with me because I was struggling to make Payments at the end of last year. Consequently, I made payment arrangements and entered into a forbearance period. However, I was told that the payment amount was due in full at the end of the three month period. Nobody could honor the loan in this situation moving forward after what was considered favor. The forbearance was in a fact a death sentence to me owing the property. It was ominous! I panicked and sold the home on XXXX XXXX  XXXX. After, they post a late payment to my account. When the escrow to sell was closing, I was told at least five times that the derogatory information would be removed and that I just had to wait and be patient. Months later, they have not removed the late mark that is harming me during this pandemic. I need to buy another house to live in ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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:
Community loan service reported me late while on forbearance which has since been corrected. However iam still showing 6 late payments that were never late and company seems to act ignorant to the fact they dont care they are ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2021, I received my 2nd PPP loan installment. Immediately, my account was frozen. Even though it was not capital ones place to determine if I qualified for loan because I didnt get the loan through them, I still provided all requested information. However, I was informed XX/XX/XXXX that it was not sufficient to capital one and the funds would be sent back to the lender and my account would be closed. This has yet to happen. Every time I call, I am on hold for at least an hour trying to reach a person. Then, almost every time the agent disconnects the call. My monthly statements have been turned off ( not by me ) even though I still have an open account in my name. 

The lender of the loan already did their due diligence and it passed the necessary requirements to be funded. There is a 2 step verification process that I had to pass. What Capital One is doing is holding up MINORITY borrowers whom which this money was intended for. Your role is to make the funds available for use and it is a shame they are holding money from disenfranchised sole proprietors that rely on this money to keep afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capitol Accounts, LLC in XXXX apparently bought an account from XXXX XXXX that I had already paid off. XXXX XXXX bought another XXXX XXXX where I'd had an account. That account was paid off. 

Capitol Accounts reached out to me regularly for payment. I told them I did not owe the bill. In XXXX I filed a dispute. They said they would request documents from XXXX XXXX. I never heard back from them. I reached out to XXXX XXXX. Their office manager told me they had no record of my account and they no longer had documents from the original practice. 

Capitol Accounts still refused to remove this account from my credit report. I began following up again in XX/XX/XXXX. They have repeatedly said they are reaching out to the XXXX XXXX for a report. I called the XXXX XXXX, they say they have received no such request. The collection agency and the XXXX  office are literally 2 miles away from each other here in XXXX. At this time this account is still on my credit report and though I have repeatedly asked for documentation showing I owed this XXXX  Office money they have continued to put me off and not provide the request information and NOT take this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: I.C. System, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In the process of repairing my credit score I disputed some old debt accounts that were listed with reporting errors and they were removed by XXXX. But I C Systems bought one of those removed old debt accounts and proceeded to reapply it onto my credit as a new debt with them and they are reporting it two times a month since XX/XX/2020. I have never directly communicated to this company nor did I receive any documents from them informing me who they were. I C Systems just suddenly appeared on my credit report claiming I had an account with them. I submitted a dispute to XXXX  on XX/XX/2020 to remove the account due to inaccurate dates on debt, this collection agency bought an old debt of mine from another collection agency and were claiming it was a new debt ( 2 months ) on my credit. 

XXXX  came back claiming that they investigated it and the account was up to FCRA requirements. But I investigated and found that what this debt collector is doing is against Federal Credit Reporting Policies. A collection account bought is considered a continuation of the original debt therefore the date of debt can not be changed to the purchase date the collector bought the account. " It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with updated activity dates, you may have a legal case against them. ''

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 2017-09-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted equifiax in XX/XX/XXXX to Dispute Unauthorized Credit inquires listed on my account that i had noticed after viewing my credit report. I was told to contact the companies that reported the inquires, and did just that and had gotten no where. 

Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief