BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: AMERICAN FINANCING CORPORATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I rarely write negative reviews. Truth be told I rarely write any reviews. The horrible experience I have had with this company must be documented. Late in XXXX of 2021 we contacted American Financing to refinance my home and take out a modest amount to complete a couple of projects on the house. We chose this company due to a positive experience with them in the past. Both my wife and I have excellent credit. My income is more than adequate to cover the loan, and the loan to value for the home would be about 60 %. We completed the pre application questionnaire by phone, explaining that we wanted a VA cash out refinance loan. The first loan papers we saw a couple of weeks later were for a conventional loan. When we pointed this out, the loan officer tried to talk us out of taking a VA loan. This began a long period of continual disregard from our loan officer, and delays from American Financing. The rates increased and we were not able to get the lower VA rate we originally tried for. We finally locked in at a rate .3 % higher than when we began the process. When American Financing requested documents, we always provided them within 24 hours of the request, however they do not acknowledge them. We have had to resend several documents, usually by pulling them from their dashboard and forwarding them back to the loan officer. About three months into the process a new set of papers were sent over for us to sign. These papers had the wrong person listed as the veteran. We were told to sign them as presented and they would be fixed on the back end. For the last 6 weeks we have been getting a weekly " progress '' call from someone in the office, saying things like, the loan is on track, they are lighting a fire under the managers to get it going, any day now, and other platitudes, but no actual progress. In the mean time all work quotes I have for the projects I need done have expired, the cost of materials is skyrocketing, and my loan has been in limbo for close to six months. I need American Financing Corporation to do the job I am paying them for and close this loan. In reviewing XXXX  and other consumer forums, this is a pattern of behavior they have been engaging in that is detrimental to their customers. They do not move forward on these loans unless a complaint is filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. I am being victim of banking fraud for mortgage since XXXX. My house is in foreclosure and I have applied for loan modification. Lender did not want to help us with affordable payment and we decided to exist the house by doing short sale since they told us they stopped sale date only with short sale application. However, they dont even want to help and lied to us about short sale. We have short sale package and offer is pending review. However, they dont want to stop the sale and counter offer with ridiculous. I believe that California Homeowner Bill of Right Effective XX/XX/XXXX, it added for avoiding dual tracking during short sale or review alternative options. All we need to be fair with us for any decision. They dont approve loan modification nor give us options to exist in peace. We are all retired and old and need peace in mind to exist our house. We want to continue the short sale and they must give us time and effort to help not just want to foreclose. We have spent time to explain that we dont want to foreclose because we need to look for another place to rent. With foreclosure record, it would be tough and hard for us to find replacement house due to foreclosure. Please help us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: AES/PHEAA
State: TX
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:
InXX/XX/XXXX I XXXX XXXX started work at XXXX XXXX XXXX. During the first year of work I applied for the Public Service Forgiveness Program through XXXX XXXX XXXX. During the application process I was asked to have my employer fill out forms stating that they were a non-profit organization. These forms were sent to XXXX XXXX XXXX  who also reviewed application and approved it. I worked at XXXX XXXX XXXX  from XX/XX/XXXXto XX/XX/XXXXand within those calendar years I consistently paid the amount that was set by XXXX XXXX XXXX. OnXX/XX/XXXX I received a letter in the mail stating that all of my qualifying payments while I was employed at XXXX XXXX XXXX was being revoked and approval reversed. I called in to XXXX XXXX XXXX to inquire on why I was being notified 8 years later that XXXX XXXX XXXX   was not a qualifying facility. I spoke with a initial service rep who was very polite and sympathetic towards issues. She then transferred me to a Public Service forgiveness program manager who was not in any way shape or form polite nor understanding. I then began to explain the situation to her. I followed up by saying this process requires approval by XXXX XXXX XXXX and XXXX XXXX XXXX. I asked how did they miss this for 5 years. She then stated " Sir I was not the one taking care of or approving this loan program. If you could have that employer write a letter stating that they are non-profit then we would review it. '' I then said I get that, but the only one who is suffering here is me and my family. She continued to demonstrate no signs of sympathy or understanding. I then apologized to her, stating that if I sound rude it is not meant towards you. She said nothing and stated that I could send in my complaint via fax or online. Still no sympathy nor compassion from her. I submitted a application every year and XXXX XXXX XXXX  department continued to approve it. This is not right at all. XXXX XXXX XXXX and XXXX XXXX XXXX dropped the ball on this one and they need to own it. Customers should not suffer because they are not reviewing applications appropriately. 8 years are you kidding me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-10-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo foreclosed on my home in XXXX and had me evicted My house is XXXX pa on XXXX XXXX XXXXXXXX XXXX. In XXXX I called the XXXX sheriff Department and was told on the phone that there was no recording of a foreclosure or eviction I would like to know if Wells Fargo have any record of the eviction or foreclosure from the XXXX sheriffs department or if they could contact the XXXX courts to get me documentation.

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 2018-06-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a notice to dispute letter. I am unaware of this accountdebt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was one day away from closing, XX/XX/2018 and SunTrust mortgage declined my loan. There was an issue regarding my taxes, which they had in their possession for weeks, which I immediately amended. However, they will not accept the amended copies. The other concern that is prohibiting me from securing the mortgage is that they are accusing me of purchasing the property for my child to live in which is not the case. I will be living in the property as my primary residence. I have explained my intentions verbally twice and in writing twice and they are still making the accusations. I may loose this property and feel they are discriminating against me by making these inaccurate accusations. I am also concerned as to why they are bringing my adult children into the 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 2018-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX there was a fraudulent charge of {$9200.00} on my XXXX credit card with Bank of America. I immediately contacted the bank to report the fraud on XX/XX/XXXX. On XX/XX/XXXX, contacted local police, filed a report with the Federal Trade Commission and put a fraud alert out for XXXX, XXXX, and XXXX. On XX/XX/XXXX, I received a letter from Bank of America stating that my claim was resolved and that the fraudulent charge would be credited, and the charge was credited. On XX/XX/XXXX, I was charged {$9200.00} by Bank of America, reversing the credit. There was no communication from Bank of America about the reversal of the credit. I called the bank 's claims department on XX/XX/XXXX, but the bank employee was unable to tell me why the credit was reversed and was unable to undo the reversal. He stated that I will need to contact the claims department. 

I am being led around by Bank of America for a fraudulent charge that should have been taken cared of on the day it happened.

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 monetary relief
Consumer complaint received 2018-05-19
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX BANK XXXX is completely inaccurate. 
The date of last activity is different across all three consumer reporting agencies. 
The high credit amount is reporting on Trans Union but not XXXX or XXXX. 
Attached you'll find a screenshot of the XXXX displaying the inaccurate reporting.

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 2019-03-27
Company: EQUIFAX, 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:
Equifax added an account they deleted XXXX XXXX  with notice which is violation of my fcra and also have done nothing to help me with all the ftc vilations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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: Account status incorrect

Complaint:
U.S DEPT OF VETS AFFAIR ACCOUNT WAS PAID AND CLOSED IN XX/XX/XXXX. TRANSUNION HAS THIS ACCOUNT LISTED AS 120 PAST DUE XX/XX/XXXX. I CALLED TRANSUNION AND THE FIRST REP TOLD ME THAT EVEN THOUGH THE ACCOUNT IS CLOSED THEY CAN STILL PUT 120 DAYS PAST DUE FOR XX/XX/XXXX. THE NEXT REP ( SUPERVISOR XXXX  ) STATED THAT HE DOESNT SEE IT AND I MUST BE READING MY REPORT WORN. I DEMAND THAT THIS ACCOUNT REFLECT CORRECTLY OR BE REMOVED. THIS IS AGAINST THE LAW TO INTENTIONAL REPORT INACCURATELY. I AM TRYING TO PURCHASE A HOME AND THIS MAKES MY REPORT LOOK AS IF I WAS LATE FOUR MONTHS AGO.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-06-22
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE A MEDICAL BILL ON MY CREDIT PROFILE THAT IS NOT MINE. I HAVE CONTACTED THE COMPANY ON SEVERAL OCCASIONS TO GET THEM TO REMOVE IT. THEY SAY THEY HAVE A COPY OF MY MOMS SIGNATURE ON FILE WHICH IS IMPOSSIBLE, BUT THEY DO NOT HAVE A COPY OF MINE. I FEEL THAT THE COMPANY IS ABUSING THEIR AUTHORITY IN KEEPING THIS ITEM ON MY REPORT WITHOUT PROPER VERIFICATION. MY MOM IS DECEASED AND COULD NOT HAVE SIGNED THESE OR ANY DOCUMENTS FOR ME AS SHE NEVER HAD POWER OF ATTORNEY. I WOULD LIKE THIS ITEM DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A few years ago, I want to say early 2000 's, I froze my credit with Equifax after watching a new report about identity theft, and then later on, in late 2000 's, I decided to unfreeze my credit, as I realized that I couldn't do anything like get loans or credit cards with my credit frozen. I attempted several times to work with Equifax to unfreeze my credit. I initially called them, and after some hassle with their automated system, I was able to speak to a person who asked that I send them proof of my identity, since I did not have the 4 digit number they claimed I had gotten when I froze my credit via their website. I sent them a copy of my ID, proof of address, SSN, and some other paperwork that was requested. They then contacted me and said they could not use the copy of my ID as it was unreadable, as it was too small. So, I then enlarged my next copy and sent it to them. They then refused to unfreeze my account as they said that they could not authorize the unfreeze as they could not prove it was me. Which I do not understand as I sent them everything they had requested several times. I no longer feel comfortable resubmitting my information again, as I do not know what they did with the other info I sent before, and it's become uncomfortable for me to keep sending them my info. when they keep telling me they can't verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: CA
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:
account was included in BK account is being reported as past due with balance which is a violation under FCRA, accounts are paid BK discharged

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
With no warning, around XX/XX/XXXX, a derogatory account showed up on my credit report. I am not disputing the Original Lender, ( although the amount was inflated ), my complaint is not getting a response from the debt collection company to work this out. I have called, and written to this company in an effort to get this removed from my Credit Report. 

Debt Collection Company : ONLINE IN SV XXXX XXXX XXXX, NC XXXX Original Lender : XXXX XXXX XXXX - ( Debt from XX/XX/XXXX )

Company response to consumer: Closed with explanation