BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: ADVISORS MORTGAGE GROUP, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I found the house I wanted on or around XX/XX/XXXX. Signed contracts to close XX/XX/XXXX. For a FHA 203 ( k ) loan. XXXX XXXX of Advisors mortgage group LLc was my mortgage officer. He told me that he could have everything ready in 60 days, that is why we set the date to XX/XX/XXXX. Within those 60 day I was to get the house inspected ( on my choosing ) and get a contractors estimate. In order for me to have the house inspecected I had to have the OK from HUD and turn the utilities on. Between the inspection, turning utilities on, and getting the ok from HUD it took about 2 weeks. After that I was to get a contractors estimate. The first contractor took a whil and I decided against him. The second XXXX was great and we decided to go with him. This whole process took ablit 40 days. Which would leave XXXX 20 days to finish the loan. Only problem is, he never started the loan itself. He did n't even have the application started. Now moving forward he said he. Needed another 60 days to do the loan. Which was {$370.00} for each 15 day extension. Coming down to the end of the process. He informs me I have to pay for another FHA inspection ( {$800.00} ) and an appraisal of the home ( completed value ) ( {$400.00} ). All of which I believe advisors should have paid for. The appraisal took a while to get in, and I was waiting on the value of the home to decide if I wanted to. Change the bathroom to add more value to it. After The appraisal came in I decided to ask XXXX if I could add {$10000.00} worth of work to the home he said that would be no problem. I added the work and finalizing contracts were to be signed. XXXX also faild to gather my employment history completely until the last minute they sent my employer a worksheet to fill out. Now the loan is suspended and I can not show sufficient funds in my account because I have been paying for all of these extensions ; while trying to pay my own rent and bills. I talked to the heads of ADVISORS MORTGAGE rehabilitation department and they also told me my qualifications were great and I should have no problems ( XXXX XXXX ). All of a sudden I have to make changes to the repairs I was told I could do. While being expected to pay for another extension. I knew buying my first house would not be a easy task, but this has been one of the worst experiences of my life. The stress and frustration that I have experienced from people who were supposed to be there to guide me and help me through this experience was the worst display of professionalism I have ever seen.

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 2022-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX XXXX and it has not been corrected on my Equifax report. The account is still reporting wrong on my credit report but it is already closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file ASAP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX XXXX and it has not been corrected on my Transunion report. The account is still reporting wrong on my credit report but it is already closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file ASAP XXXX 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 non-monetary relief
Consumer complaint received 2017-10-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had opened an Wells Fargo secured credit card and I had issues financially to pay this account down and they closed my account for no reason and had this debt on my credit for several years I called Wells Fargo to settle this account and however the representative used a communication tactic to settle the debt stating that I was going to pay 60 percent of the balance and he stated that he will forgive 60 percent off the balance and each and every representative I spoke with treated in an unacceptable manner and stated that I lied and that it was noted that I will pay that amount

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 2021-06-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
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:
well first off I am very angry and disappointed that XXXX and Equifax and their fraud department decided to keep reporting a collection that I disputed as identity theft I did my research on the matter and even did what they told me to do which was file a police report to get the account deleted I also filed an complaint with FTC and CFPB and sent all documents to XXXX XXXX XXXX who are the ones reporting this fraud information and I sent these documents to XXXX XXXX Equifax also filing a dispute with them both to but now they are back reporting this fraudulent account, identity theft account saying its a 100 % accurate they are basiclly parroting information not caring about any laws while doing it. Its like they really want to see if you will sue them but trust me i'm ready now this is my last complaint and final notice, and removing inaccurate information is also an admission of guilt I hope they know that. Its like anybody can make up anything about someone and report it to these credit reporting agencies like XXXX & Equifax and all XXXX XXXX Equifax do is automatically say its yours its a 100 % accurate pay it its nothing you can do about it all the other big companies will agree with us. So we will keep reporting this fraud account and get paid doing it while we force you to still pay on an negative collection account thats not even yours thats XXXX XXXX Equifax for you. I need this XXXX XXXX XXXX account deleted immediately I refuse to risk my freedom reporting a false police report to the XXXX XXXX police department

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both XXXX and Experian. 

I have tried contacting both credit bureaus about this, as well as XXXX XXXX XXXX, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XX/X/2017. 

This has been paid in full and should be noted as such on all three reports.

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 2022-04-06
Company: EQUIFAX, 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My principal payment only wasn't applied or reversed until XX/XX/2021, the payment was taken out of my account XX/XX/2021. I get charged a daily interest on the daily principal balance of the loan. XXXX  is now reporting a incorrect balance on the loan than what Bridgcrest is showing on my statement. A difference of over {$400.00} more than what is actually owed on the loan as of today. I have included a snap shot of both.

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 2021-06-11
Company: Mission Financial Services Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mission financial auctioned off this repoed commercial vehicle. After auction I was notified the commercial truck was purchased at auction for the full price I owed. This account says paid and closed. Account states repo paid balance XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affidavit of XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX. 
XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
NFCU charged my accounts off in XX/XX/2019 to a brocker/pllc collection company on XXXX XXXX the payments were sent to XXXX XXXX XXXX XXXX in the amount that was agreed upon to settle both accounts. 
XXXX XXXX the money orders cleared XXXX XXXX XXXX XXXX and I receive literature saying both accounts are settle and closed, also the money was being sent over to NFCU. I called NFCU the following week to receive a status on the accounts and when they will update my credit. I was advised by the rep that once they recieved the payment the information would be updated. 

XXXX XXXX updates were made to my credit not reflecting any of this information, balances are still being showed, inaccurrate information is being reported wth such wording as " paying in under partial agreement '' which is not accurate at all. the accounts are settled and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: World Omni Financial Corp.
State: VA
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:
I had an account with Southeast Toyota Finance and it is reporting as late for XX/XX/2021 it should not be in my credit report due to age. I also have a late payment from the department of education for XX/XX/2021 that is showing late when I have been paying on time. That account is also from 7 years ago and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX unlawfully debited my unemployment funds to cover its banking fees, leaving my account with a negative balance and forcing my XXXX XXXX XXXX checking and saving accounts to close. I contacted XXXX XXXX XXXX XXXX in person and via email on multiple occasions regarding the fact that I was unemployed and did not owe any taxes to XXXX XXXX. However, XXXX XXXX XXXX XXXX took a total of XXXX in fees from my account, unlawfully taking the monies from my unemployment compensation funds and forcing my checking and savings accounts closed due to the insufficient funds resulting from the unlawful fees charged to my unemployment funds. 

XXXX XXXX XXXX XXXX increased the negative amount in my savings account, which XXXX XXXX refuses to close, and forwarded my account to collections. This led to my XXXX XXXX dropping exponentially and the lowered negative score having negatively impacted my job search.

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 2019-02-09
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company started calling me and not answering when I would pick up. I called them back and they said it was about a debt from XXXX. In XX/XX/2017 I was fraudulently put on an XXXX account. It is not mine and not my debt. I have been cleared by XXXX and have confirmed that with the company numerous times. My name and phone might be on it but my SSN is not and I confirmed that with XXXX   and Convergent USA over the phone. I need my info removed from that debt and your system. This isnt my debt.

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 2019-02-09
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A payment was missed to TD BANK in XX/XX/XXXX. This was realized upon receiving my XX/XX/XXXX monthly statement on XX/XX/XXXX. Phone calls with no messages left started on XX/XX/XXXX, prior to receiving my monthly statement. On XX/XX/XXXX a message was left. I called back on XX/XX/XXXX, and advised that XX/XX/XXXX and XX/XX/XXXX payments plus XX/XX/XXXX late fee would be paid electronically paid on XX/XX/XXXX. This was 8 days prior to the due date. I received a phone call 30 minutes later. This person acknowledged that they could see they had just called. Since that conversation I have received no less than 2 phone calls per day from this company. They do not leave a message. On XX/XX/XXXX I spoke with an employee and they advised that as long as the bill is behind the automated system dials. Once they talk to the individual they can then see that arrangements have been made. This is a list of calls and times : to # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. To # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX & XXXX, XX/XX/XXXX XXXX XXXX. Seventeen phone calls with only 2 messages left over the course of 12 days. Twelve of these phone calls coming after an agreement was made. THIS IS HARASSMENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05
Company: FC HoldCo LLC
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 recivex a reponae from this comaony stating ... .According to our records, you submitted an online application for credit to XXXX, a fulfullment partner for Flagship, via XXXX, which was forwarded to Flagship on XX/XX/XXXX, at XXXX XXXX, in connection with the potential refinance of a XXXX XXXX XXXX ( the Vehicle ). We reviewed the information provided by XXXX and have confirmed that the name, address, e-mail address and telephone number match the information provided in your complaint. 

How can a third party send information on another party behalf and get away with this process?? I never authroized for a hard pull on 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 2022-04-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 8 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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