BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They have XXXX XXXX, social security and another employer who are putting me on a credit report for what have not worked for them over 20 years its not right or fare. Can you please take off any bad thing on my credit report cause its been many many years ago, don't know why employer 's could do such thing. Thanks trying to clean my credit up

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 2023-05-22
Company: American First Finance, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a due date on XX/XX/XXXX. I logged on to the American First Finance Website on that date, and it showed that my next payment was not due until XX/XX/XXXX. 

I then received a call on Monday, XX/XX/XXXX, advising me that I was past due. I advised of the issue with the website, and the representative told me that the website shows the next due date if the payment is not paid before the due date. I advised this was confusing but the representative stated this is the way the system works and can not be changed. Following this, I advised that I would make a payment on their website, and finished the call. 

The same day and within the next 7 days, American First Finance has been contacting me in violation of the FDCPA. I had some unexpected medical expenses come up and could not make the payment until this week. The company has continually called in violation of the FDCPA, as they can not call me within 7 days after speaking with me. On the first subsequent call, I advised the rep of this, and he stated that they will continue to call until the payment has been made. I have received 13 calls in violation of FDCPA, because I last spoke with a representative on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX  have not sent me validation of the account on my credit report XXXX XXXX XXXX XXXX. XXXX  has deleted the account from my credit report because they did not receive validation of the account. i have not received any validation from Experian or XXXX  they just keep updating my account. i am requesting account validation that this account is mine and if they can not provide account validation per FCRA i am requesting this account be deleted from my credit reports.On XX/XX/2020 i sent out a letter requesting validation my response was the account was updated. The date opened is inconsistent on my XXXX  and Experian Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. The Date of last activity is inconsistent on my XXXX  and Experian Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. I have attached proof of these inaccuracies and the letter i sent out on XX/XX/2020 asking for account verification

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 2019-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America engaged in the prohibited practice of Dual Tracking while my application for assistance was under review. 

I submitted my application was submitted timely and 37 days before the scheduled sale date of XX/XX/XXXX. 

Please see the attached documents! 

Federal Law Restricts Dual Tracking, The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. 

Among other things, the rules restrict dual tracking. The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. This means that if you submit all of the required paperwork, the foreclosure can't start until the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ). 

12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application.

12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes the application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application.

" Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.

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 2019-11-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
HSBC Bank, USA is granting loans based on US citizenship, which, in my opinion, appears to be a violation of ECOA. 
About two months ago, I was denied a credit card, though I have good credit, because I am not a US citizen. 
Last week, I received a pre-approval letter to apply for a personal loan. 
The application again indicates, unquestionably, that only US citizens are eligible to put in applications for loans. 
I could not complete the application beyond the citizenship question. 
So this morning I called to draw their attention to the fact that, under ECOA, one could not deny. a loan to anybody because of their national origin. 
After putting me on hold to enable the customer service representative confer with her superior, she stated to me in no uncertain terms that I have to re-apply after I become a US citizen even though I drew their attention to the fact that it is forbidden to deny credit to anyone based on their national origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRUIST FINANCIAL CORPORATION
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 received a copy of my credit report and noticed fraudulent accounts.

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 2018-08-27
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:
Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/XXXX  ( XXXX XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX has deleted the incorrect account. XXXX and Equifax continue to report account is verified and validated. When I asked for proof of validation, XXXX XXXX XXXX sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ' ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-03-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On : XXXX XXXXXX/XX/2022 Wells Fargo decided to Close my ATM Card, for at least a Year. They told me that I misused their ATM Card, for Disputes that I did on my ATM Card constantly.

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 2019-11-11
Company: Premier Student Loan Center
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a call from a service rep from Student Loan Premier Solutions about a year and a half ago. They stated that my current loan lender, XXXX, was involved in a class action lawsuit and that I could enter their program as long as I qualified because that class action lawsuit would guarantee me lower payments with Student Loan Premier Solutions. I ended up " qualifying '' for their student loan forgiveness program after they asked me all of the qualification questions ( income level, how many dependents, employment info, etc. ).

They stated I had to pay {$200.00} a month for 6 months which was supposed to be the initiation entry fees and then every month after that my monthly payment would be {$40.00}. 
I had been paying that {$40.00} a month for 6 months or so now to the point where I stopped paying attention because it was an automatic withdrawal from my checking account. 

Then, within the last few months I started to get non-stop phone calls from XXXX  which made me wonder what was going on with the program I was involved in with Student Loan Premier Solutions. I had already been skeptical about Student Loan Premier Solutions since the beginning because anytime I'm dealing with paying big amounts of money to a business like that I just hoped it didn't turn out to be some kind of scam especially since student loan forgiveness is an area where alot of people are getting scammed. So I started doing some research online and come to find out, Student Loan Premier Solutions is now all of a sudden out of business without any notifications to any of their customers. People are now finding out and people are extremely upset including me. I want to sue for ALL the money I paid them which had to be around {$1500.00}! 

I want this complaint to go the highest federal agency because I want restitution. Student Loan Premier Solutions scammed me and countless other individuals and I want my money back. I really don't even know what to do about this situation but hopefully this first step I am taking to file this complaint pays off.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-21
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:
I have an outstanding balance with comenity bank but have no account with them. They have said i have been delinquent and the amount keeps increasing.

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 2021-09-22
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. THE LATE ACCOUNT LISTED BELOW IS STILL FOUND AND NEED TO BE CORRECTED AND UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Experian Information Solutions Inc.
State: NJ
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:
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX experian late reporting XX/XX/XXXX &  XX/XX/XXXX 60 days late XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late

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 2020-01-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX XXXX there was a quick pay from my end to someone I do not know. As soon as I found out, I called Chase. I was asked several times if I knew how or why this would of happened. I stated no, no idea. Do I know the person? No. Like usual my money was returned to my account. I had to close my account and get a new account and everything that goes along with getting a new account and closing the old. But now today XX/XX/XXXX I log into my chase online banking and I see that my old account is negative for the amount {$800.00} that was quick paid fraudulently. I call chase and was told that the quick pay was done from a device I use to make these types of transactions so now the funds were returned to the person that essentially stole from me. This is a poor attempt to resolve an issue. I was not even given a call or questioned. My account was just deducted and now sits negative. When I connected over to the executive office, they simply stated that phones and computers should have passcodes. Therefore I am held responsible for this {$800.00} transfer. I have pass words to my computers and face recognition on my phone. Still I was told that the answer is the same. I am out on my money and a thief wins!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

Trans Union, XXXX  and XXXX removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit 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 2019-11-11
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About 6 months ago I started the process to request a PMI waiver for my mortgage having followed the process outlined by Flagstar Bank. This consisted of the application and then paying around {$500.00} for an appraisal which I did. Once the appraisal was completed, I received a letter and notification that the modification wouldn't be granted because the home didn't appraise for a high enough value. I then asked for my options around disputing and was told to send in 3-5 comps of comparable homes in my area and they would review. During this time, I also saw that the home was appraised based on it being a 4 bedroom 3 bath and my home is 5 bedroom 3.5 bath. I also called in to dispute this and was told that the county had the home listed as such and that I needed to contact the county to correct this. I did this and per Flagstar, just needed to send them in new documentation provided by the county which listed my home as a 5 bedroom 3.5 bath. Flagstar told me that it would take up to 21 days for a review of the dispute and I called after this time and received the runaround and inconsistent information from their employees. The last person I spoke with early XXXX was extremely unprofessional and harsh and told me the decision was final and nothing further would be done. I would like to submit this claim based on the aforementioned items as Flagstar has treated me as a customer unfairly in these business proceedings. I have done everything requested of them and to no avail.

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 2019-11-11
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My wife and I agreed to a loan from this company to help us get out of debt and pay off some creditors quickly. We were referred by a sister company, Freedom Debt, whose program we were in at the time. While reviewing documents of the loan with the rep from XXXX  XXXX he went through everything at a pretty rapid pace until we got to the TIL ( Truth In Lending ) where he slowed way down. He covered the payment, the loan amount, the fees and made sure that we understood that the outstanding credit card debt was based on estimates and the amounts could change which could affect the maturity date of the loan. The fees and costs other then the actual credit card payoffs we understood would not change. After payoffs were negotiated with the outstanding credit cards the loan funded and we received the final numbers from the company. A couple of the cards were a bit higher then the estimated payoffs but we were ready for that and it was not an issue. What is an issue is that additional fees were added as well. Those fees are almost {$3000.00} more then what we were quoted from the TIL. I called customer service immediately and was told that the information was in the documents and available all the time. Again, the documents were explained to us page by page by the rep who signed us up for the loan, and as stated earlier everything with exception of the estimated payoff amounts and maturity date would remain the same. The additional fees were not mentioned by the rep or the time was not spent to confirm our understanding. Buyer beware, this product is costing us more then the credit card balances combined when we entered the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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 have been contacting the credit bureaus about the false information being reported to my credit report the issue is not being resolved

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