BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: Social Finance, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I live in XXXX XXXX and received a pre-approval letter from SOFI after a full financial underwriting. Amazingly in this extremely tight market, we found a home we loved, could afford and the seller agreed to our offer. While under contract, SOFI was a  total disaster. 

The home was a condo in a 2 unit building with a very informal monthly HOA that paid taxes and water bills only. SOFI decided they didn't want to lend on this type of HOA but they could never tell us what their actual requirements were. They changed their requirements multiple times over multiple days. These types of informal setups between 2 owners are extremely common in SF. The Sellers who were amazing offered to fund a large reserve to get SOFI comfortable. 

After days of back and forth, with stories that changed daily and absolutely no clarity or flexibility, we fell out of contract and lost the home to another buyer. The mortgage agent was non-communicative and rude in the end. In addition to deciding late int he process that they wouldn't allow a reserve to be funded in anticipation of this sale, SOFI also  decided they wouldn't lend unless there was a restriction against the ability to rent in the condo CCRs. I believe they just kept adding rules because they had no idea what they were doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
on XX/XX/2018 via united states postal mail, I received a letter from the XXXX XXXX company stating that they received validation from the illinois federal courts that a chapter XXXX and chapter XXXX bankruptcy is being reported under my name. lexis nexis is being dishonest in its investigation as I too requested any information being reported in regards to a bankruptcy under my name to the illinois federal courts as referenced in their original consumer file that I requested and received. per the illinois federal bankruptcy courts ( letter attached ) they have not reported such information to lexis nexis or any other credit reporting agencies. 



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Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX   9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.

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 2017-11-11
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: Investigation took more than 30 days

Complaint:
I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is Equifax. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SLM CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Loan taken over by XXXX XXXX consumer from Sallie Mae. I am California as a travel nurse. I communicate with Sallie Mae via email and phone call because I am a travel nurse. I received a statement saying I owe almost {$3000.00} and it aint even say as NJ REQUIRES, this is an attempt to collect a debt! I had my mail opened because this was new communication for me. I didnt receive proper communication from XXXX XXXX because there was a cease and desist order on my account proper to this. They were not able to communicate, No calls, no emails, no texts and the rep verified such! Was told it was placed XX/XX/2021 by XXXX XXXX Consumer. They took loan over on XX/XX/2021. Called Sallie Mae who confirmed that this was never placed on their side. Spoke with a manager XXXX who stated they didnt not have to show proof of cease and desist even though I explained. I want to provide an explanation of why my credit would be two months late and the Sallie Mae is paid off. He would not provide a call number for my record or hes last initial. I asked for it to escalated to a manger because now I am late and Im going between Sallie Mae saying they didnt have that on there and XXXX XXXX Consumer. He told me a XXXX would call me back. I asked what her title was and he said shes above me. I asked him what that meant, he said he didnt have to tell me what kind of manager she was. I stated that it was ridiculous is she an asst manager, a manager, level one manager, level two manager? If I called back is she the only XXXX thats a manager? He hung up on me. The only communication I had gotten was a letter saying I owe {$3000.00}. No one could tell me why the cease and desist was placed and. I one can offer a solution to so that I can provide an explanation and a way to catch up and one will provide proof of the error so that I can have my credit corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: PLAZA HOME MORTGAGE, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in XXXX of 2017. The loan officer gave me 3 closing dates. The third was to be XX/XX/2017. On or about XX/XX/2017 I called to see when paperwork needed to be filled out. He told me he never filed any paperwork assuming I was going to use another loan officer. His company then had a supervisor close the loan in XXXX. My loan was 203k. Around {$75000.00} in renovations were needed. {$25000.00} to be used to fix foundation and waterproof. At that point the ground was frozen and I had to wait until fall. Meanwhile the general contractor worked inside. When it came time for a withdrawal the consultant I hired via the loan company did nothing. It took almost 2 months to get money. Next the contractor took a  job building XXXX XXXX and quit working on my home. Although I did not find out for weeks. He just stopped coming over. Now I'm trying trying to hire a new contractor to finish my home. The 203k consultant has not answered any of my calls or texts. The mortgage company sold my loan within months. The new mortgage company doesn't seem to know what's going on. I've called a few times a week for months now. I have a wife and XXXX children. We lived in a hotel for 8 months. I also paid for a storage unit and eating out 3 times a day. I finally moved in and have been slowly doing what I can out of my own pocket so my family has somewhere to live. I've spent every penny I own this past year. I can't get a response from my consultant and the new loan company is threatening me and calling me every day. I'm less than a month behind on my mortgage. I am living in a living room in a half done home and no one can tell me what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Credit Karma, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As per Credit Karma, I got this hard inquiries that I dont allowed and recognized. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 

XXXX XXXX Inquiry from XXXX XXXX, 2018 Miscellaneous Reptg. 

XXXX XXXX XXXX is conducting fraudulent businesses pushing consumers to high rates and placing unsoliciting insurance just like XXXX XXXX case. I been contacted this company several times and tried to negotiate and allowed them to do the right thing without luck, illegally they towed my vehicle, later released and asked for apology. I have record of all incidents. All these been causing hardship to me and my family, afecting my credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have contacted XXXX XXXX ( XXXX XXXX XXXX ) , XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX per the the Fair Credit Billing Act on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

XXXX XXXX is charging me fees and interest on defective XXXX XXXX gift cards I returned via XXXX XXXX XXXX XXXX on Monday XX/XX/2018 at XXXX and signed for by XXXX ; XXXX XXXX XXXX XXXX on Wednesday XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Thursday XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Friday, XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Wednesday, XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX. 

Unauthorized lates fees per the Fair Credit Billing Act of : 1 ) XX/XX/2018 - {$27.00} ; 2 ) XX/XX/2018 - {$37.00}. 
Unauthorized Finance Charges per the Fair Credit Billing Act of : 1 ) XX/XX/2018 - {$70.00} ; 2 ) XX/XX/2018 - {$72.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Aargon Agency, Inc.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM 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 2017-11-11
Company: Midwest Recovery Systems
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: Old information reappears or never goes away

Complaint:
I wish to file a complaint against a debt collection agency, Midwest Recovery Systems, for multiple reporting of the same collection on my XXXX report.
The collection was reported on my XXXX  report on XX/XX/XXXX. It was also reported on my XXXX report at the same time.
I sent a dispute letter to XXXX on XX/XX/XXXX. Two weeks later I received a letter from XXXX informing me that the collection was deleted from my XXXX report.
I have since been notified that Midwest Recovery Systems reported the same collection on my XXXX report on XX/XX/XXXX, resulting in two identical entries of the same collection on one credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is making repeated reports within a month reporting unlawful reports because reporting the same account repeatedly with in the same month is fraudulent reporting. I don't even know who or what they represent.

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 2018-08-12
Company: DISCOVER BANK
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have repeatedly provided Discover Card with proof that this account was opened without my knowledge or consent, but they insist on forwarding me copies of statements that I never received. 

And now I know why! 

These statements weren't sent via U.S. Mail ; they were sent electronically. 

I am asking you to request that Discover provide me with the method of delivery for the volumes of statements that they print and send to me everytime I ask for proof that this account was opened by me ( like a signed contract ). Note : they have yet to provide a signed contract ; all other " proof '' they provide actually works against them and further proves my point that the account was opened illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Investigation took more than 30 days

Complaint:
I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX   9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.

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 2018-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
I validated a check with the Bank of America Money Network. The check was validated according to the money network guidelines. 

Then again as per the directions on the Bank of America Money Network, I took the check to my local Bank of America Branch. Both the money network check and the account card are emblazoned with the Bank of America logos. The money network site also features prominently the Bank of America logo and uses the bank of america domain name. This website states clearly that branches will cash these  money network checks. 

However when I took the check to my local branch on this was not the case. After requiring a counter signature and fingerprint, the teller and then the assistant manager and manager all informed me that they would not cash the check since I did not have a Bank of America account. 

In my confusion, I called the number on the Bank of America Money Network card. While on the call with the agent I was informed that the Bank of America branch had voided my Bank of America Money Network check, The agent then told me that the funds frozen for the check that was now void would be kept frozen for 10 days. Thereby freezing access to my funds as a direct result of their fraudulent claims. They still have not returned the funds to my account.

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 2018-11-14
Company: EQUIFAX, INC.
State: MI
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:
Hello. I recently just got off of the phone with a representative in the Equifax dispute department ( XXXX ) named XXXX. The time now is XXXX Eastern. This complaint is about a bankruptcy on my credit file that I have disputed via certified mail on XX/XX/18 asking for physical verification as I am entitled through FCRA Section 609 ( a ) ( 1 ) ( A ), an original consumer contract with my name signed in ink. I am XXXX years old and have had a XXXX credit score recently with Equifax, there are a number of damages this has caused in my life. The company responded to my dispute by sending me a response letter dated XX/XX/18 that mentioned " this account was verified as belonging you to you, '' and also stating that they received this information from XXXX XXXX. I have spoken to the courts, they dont provide information to third parties, and my XXXX XXXX consumer file has been frozen since mid XX/XX/XXXX. I spoke to XXXX XXXX tonight and they assured me that with a frozen consumer file, no third party would have access to any legal information of mine. My complaint is not only did they not provide me with the physical verification as to this account actually belonging to me, but they said they verified through a frozen consumer report. How can that be? I would also like to mention that the Equifax representative hung up on me before I ever told her my name, I called back to verify her name was actually XXXX, which she answered the phone a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need help understanding how XXXX  and transunion and XXXX  just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so

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