BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX I contacted BB & T for a home loan. I was emailed a user name to start the application process. 

XX/XX/XXXX I received an email which stated I had pre-qualified for a home loan. 

XX/XX/XXXX I emailed a copy of my completed XXXX XXXX XXXX XXXX  Income Verification Worksheet & other documents to XXXX XXXX XX/XX/XXXX I emailed XXXX XXXX my complete application for down payment assistance for first time home buyer, the Homeowner Assistant Program Intake Certificate. 

XX/XX/XXXX I requested the information for the Home ownership Counseling so I could receive the grant for first-time home buyers but was informed I needed to wait before taking the class. 

XX/XX/XXXX I was reissued an updated pre-qualified letter for {$130000.00} because it expired XX/XX/XXXX I resent a copy of my drivers licenses ( front & back copy ), XXXX income taxes, copies of bank statements ( XXXX, XXXX , & XXXX  XXXX XXXX XXXX ) and XXXX W2. 

XX/XX/XXXX paid {$470.00} for the appraisal in order to close on XX/XX/XXXX ( check cleared XX/XX/XXXX ). 

XX/XX/XXXX paid {$220.00} for Inspection XX/XX/XXXX paid {$28.00} for credit report but was denied a copy because it is against BB & T policies. 

XX/XX/XXXX - Earnest money payment of {$750.00} XX/XX/XXXX I received a Notice of Incomplete Application via email from XXXX XXXX . There were nine items that needed to be completed prior to XX/XX/XXXX. I informed XXXX XXXX the 401 ( K ) payment was scheduled to arrive by XX/XX/XXXX no later than XX/XX/XXXX. 

XX/XX/XXXX emailed XXXX XXXX 8 of the 9 items for the Notice of Incomplete Application XX/XX/XXXX I had to liquidated my 401 ( K ) because there was no more grant money. The amount I could get was {$850.00} ; on XX/XX/XXXX I received disbursement of {$740.00}. 

XX/XX/XXXX, my realtor reached out to both XXXX XXXX and XXXX XXXX to learn if a conditional approval had been granted but never received a binary response. 

XX/XX/XXXX, I spoke to XXXX XXXX three times. Our last conversation, I stated I did not want to forfeit the earnest money because they did not provide the commitment letter. XXXX assured me the letter would be sent to my realtor. I was led to believe the letter was sent. Unfortunately, my realtor did not receive the commitment letter. 

XX/XX/XXXX at XXXX XXXX, Ms. XXXX sent a text message stating she did not have the ability to release the commitment letter - only the processor can do this. 

XX/XX/XXXX, I contacted BB & T bank to file a complaint against XXXX XXXX & XXXX XXXX XX/XX/XXXX I received an email ( XXXX XXXX  ) stating the annual taxes came to $ XXXXyear which was significantly higher than what they predicted which increased my debt-to-income ratio. I was informed I needed to bring additional assets for {$19000.00} ; or pay off the {$13000.00} car note

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 2020-02-07
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Phoenix Financial Services violated the Fair Credit Reporting Act by not allowing me 180 days to make a payment on the account before reporting to the credit bureaus. They contacted me late XX/XX/XXXX to talk about settling the debt and payment arrangements which I was willing to do. I told them to contact me in XXXX to set up payment arrangements because I had just paid all my bills and I didn't have any money left. The woman agreed to contact me in XXXX. They never called. I called on XX/XX/XXXX because I noticed my credit report had a new collections account on it that significantly dropped my score. I spoke with two women who said it was their policy to report any collections account after 45 days which is totally against Fair Credit Reporting Act. This was something the First Lady never told me about. If she had, I would've tried everything to make that payment in order to protect my credit. Since they didn't allow me enough time to pay on the account, I believe they violated the applicable laws and regulations regarding debt collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed inaccurate data on my Transunion credit report on XX/XX/XXXX for an account XXXX XXXX XXXX XXXX that was reported as charged off in XXXX. On XX/XX/XXXX Transunion falsely claimed to have contacted XXXX XXXX and verified the results which resulted in no change to the inaccurate information. When I contacted XXXX XXXX, not only did the information not match what Transunion reported but another reporting agency XXXX XXXX XXXX verified completely conflicting results including a different charge off date, date of last payment, and on time payment activity.

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 2020-02-07
Company: PlusFour, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disappointed with the response received due to plusfour failing to validate that insurance and the medical company have worked through my claim as of XX/XX/2019 and nothing is owed on my end. Also that plusfour has private medical information which I never released and is a complete violation of Hippa. 

This was never a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Which at minimum should include the following. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

I am allowed proper validation under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I requested full documentation of what you received from the provider of service in connection with this alleged debt. 

I attached the private information that plusfour responded with that was a complete violation of my rights to privacy. And in absolutely no way was VALIDATION that the debt is owed to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Turner Acceptance Corp.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXX and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and XXXX XXXX has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I tried to pay off this loan at the end of XXXX. My payment was not processed and my online can not said it was still processing..and continued to say this for 3 months. I sent several emails to their customer support and first was told their debt card system wasn't working. Then I was told that they couldn't run my card anymore. Needless to say without a phone call from them ... and with my persistence to pay this ... I was reported to the credit bureaus as a late payment anyway So I now tried to get a mortgage to buy a home. And I could not cosign for my wife because of the damaging late payment! I am so frustrated with Money Lion and the games they are playing with my finances. 
Finally a couple days ago they freed the block ... ..and I was able to run the card. Why the XXXX would you make it impossible to pay off my account? And then report to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions 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:
I downloaded XXXX XXXX yesterday for the first time and I noticed had several accounts that didn't belong to me. So I decided to pull my report and notice two accounts that are not mine.

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 2020-02-07
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: Account status incorrect

Complaint:
I disputed a XXXX XXXX auto loan account and provided documentation of the lien release and title and XXXX fax reported after it was updated in XX/XX/XXXX. So they are still reporting it as I owe the debt. The account has been on my credit report since XX/XX/XXXX. XXXX  refuses to actually dispute anything. They even told me that inquires cant be disputed even if they are fraudulent. They refuse to remove anything off my credit even when I provide documentation that the item is incorrect or has been paid.

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 2020-10-13
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:
I applied for a XXXX  credit card a few weeks ago but I was not approved and when I received the letter in the mail stating the reason why I was not approved, it said that I was not approved for the credit card because there are accounts in negative standing on my credit report. I didn't know what accounts they could be referring to so I looked through my credit report and I saw two accounts on there that do not belong to me. The accounts are from these companies. XXXX XXXX XXXX for an amount of {$26000.00} and XXXX XXXX XXXX for an amount of {$4700.00}. These accounts do not belong to me ; I did not open them and I did not allow anyone to open them on my behalf. I do not have any written/verbal contract with these companies nor did I benefit anything as a result of thes accounts that were opened in my name such as money, goods, services, or any other benefit. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, 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:
Dear XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft or fraud. 
Account : XXXXXXXX XXXX # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. According to the FCRA the credit reporting agency has 4days to block a identity theft account. Please review ID theft report and FCRA guidelines sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was notified from the credit reporting agency that a medical bill is owed. I have sent several disputing this debt, that I have always had insurance to provide to any hospitals & the bill is not mines. Also, this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my information and may have violated HIPPA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX of XXXX a loan was taken out in my name. The dealership along with Santander Consumer USA performed acts of predatory lending by using false and inaccurate on the loan application. My credit score on XX/XX/XXXX of XXXX did not meet the minimum score required to obtain a loan with Santander. 

I sent a certified letter asking for the original signed loan documents and any other information used during the loam process. Santander received that letter on XX/XX/XXXX of XXXX. I called on XX/XX/XXXX to follow up with them and they said they would email the documents. I asked them to mail them as the letter stated, they never mailed nor emailed the documents. It has been 45 days since they received my first letter for verification. This fraudulent auto loan account is causing unjust financial hardship for my family and I. Especially during the current Covid pandemic its been taking a huge hit to my credit scores and finances. 

I have sent out another letter to Santander Consumer USA asking them to remove this account from my credit report immediately since they failed to provide me the debt verification requested. Also I have sent a letter to the 3 major credit bureaus with the details of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Byrider Franchising, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
XX/XX/XXXX paid {$2500.00} to finance XXXX XXXX XXXX ... this financial company work with individuals with bad credit or low income. The cars are old and have high mileage ... my car keep overheating and stalling. It been in shop for almost a month now. The finance of course still want me to pay loan. Im willing to keep paying if they can help me negotiate some type of solution so i can stay on road and be able to get to work. I still owe {$4900.00} on a car that only worth XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: IL
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:
Two inquiries from XXXX, XXXX XXXX and XXXX, showed up on my Equifax credit report on XX/XX/XXXX18 and XX/XX/XXXX18, I have not requested credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. On XX/XX/XXXX I entered into a loan modification agreement with Ocwen Loan Servicing that was offered to reinstate my mortgage. At the time of the modification, the balance of my first mortgage loan was {$84000.00}. The approximate balance on my second mortgage loan was {$24.00}, XXXX. 

2. In XX/XX/XXXX, I received an IRS form XXXX for debt cancellation from Ocwen Loan Services in the amount of {$77.00}, XXXX. According to the form I received, the amount was discharged on XX/XX/XXXX. 

3. Since Ocwen was the servicer on both my first and second mortgages and they offered a solution to help us, my husband and I were lead to believe that the second mortgage was modified as well. 

4. On XX/XX/XXXX I requested a pay off quote for our first and second mortgage. I was informed that our second mortgage was sold to a collection company by Ocwen Loan Servicing on or around XX/XX/XXXX. I was not even aware that the second loan existed because we were lead to believe that our mortgage was modified and both first and second loans were included. 

XXXX. What actually occurred is that Ocwen Loan Servicing offered what appeared to be modification solution to help my family, however, the discharged amount created additional tax liability, the balance of my first mortgage loan was not accurately adjusted to reflect the amount of debt discharged and Ocwen sold the second mortgage to a collection agency five months later without my knowledge. In fact Ocwen committed unethical and illegal underwriting practices. Ocwen created additional financial duress and burden by presenting what appeared to be a solution, but was actually misleading.

6. I contacted Ocwen Loan Servicing regarding the charged off account and was told that the second loan was not modified. Since the second loan was not modified, there is an accounting discrepancy. The principal balance of my first loan should not have been {$42000.00}. At the time of the modification ( XX/XX/XXXX ) the balance of my first mortgage loan was {$84000.00}. Ocwen Loan Servicing cancelled {$77.00}, XXXX per the XXXX I received from Ocwen. 

7. When I contacted Ocwen on or around XX/XX/XXXX about the discharged debt and incorrect principal balance, they were unable to explain the discrepancy.

8. On XX/XX/XXXX, I attempted to log into my online account and Ocwen Loan Servicing has blocked my access to my online statements.

9. I have been a victim of discrimination due to race and socioeconomic status. Ocwen Loan Servicing attempted to take advantage of our financial hardship. Ocwen is in violation of Truth in Lending Act and the Real Estate Settlement Procedures Act, as well as the Equal Credit Opportunity and Fair Housing Act.

10. I have attached a copy of the IRS form XXXX as well as account activity for my first and second mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: Account status incorrect

Complaint:
I filed for bankruptcy in XX/XX/XXXX. A creditor ( XXXX XXXX XXXX ) is still  showing on my report 5 years later. Ive contacted them as soon as the bankruptcy was finalized. I faxed them the discharge letter and e-mailed it to them. But its still showing. 
On XX/XX/XXXX my bankruptcy attorneys sent an e-mail, a fax along as did I and its still showing on my report even though this was discharged as part of my bankruptcy Please help

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 2019-02-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have contacted Equifax to manage my security freeze but they are unable to do so both online and over the phone. I have provided many information but they we unable to verify my information purely based on the fact that I don't remember if I have a security PIN or not. For other companies, you can easily get access by answering security questions about your past, but not Equifax. Now my credit freeze isn't allow me to sign an apartment. Equifax also has no way to escalate this or expedite this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: Account status incorrect

Complaint:
XXXX is again reporting as a missed payment.

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