BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: FACTUAL DATA CORP.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to get a refinance on my home for the past 4 months, but because of the reports given by Credit Reporting Agencies, such as Factual Data, lenders are telling me that my scores are so much lower than the reports I get from the 3 reporting agencies.  The lenders tell me they use the middle score, however, they do not, they get different scores.  I have now several hard inquiries on my report, due to the fact that because of the lower scores they report, I get ripped off big time on interest rates.  I even started paying off credit cards and brought up my scores but Factual Data still reports low scores.  It is totally unfair.  My scores all show in the low 700s, yet they show in the 660 and 690's.  I have always paid ALL my bills on time, something must be done to help the consumer not get ripped off in this way.  I am XXXX, lived in my home for 20 years since built.  Can you help me?  I was trying to refinance to update my home and pay off two credit cards, with a decent interest rate.  XXXX XXXX XXXX, my last quote was at a 5.5% interest rate! Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I sent the following e-mail to XXXXLoan Care customer service : <Hello, my auto draft payment was drafted on XX/XX/XXXX ( so, the posting date is XX/XX/XXXX ). It was drafted late due to my loan being transferred from XXXX to LoanCare. 

My first question : is the effective ( keyword effective ) date of the payment XX/XX/XXXX? I'm concerned about additional interest accrual. I shouldn't be held responsible to an additional 11 days of interest ( between XX/XX/XXXX and XX/XX/XXXX ) due to the delay in my payment being drafted. 

My second question : I signed up for paperless communication. Does my cosigner ( XXXX ) need to register online and sign up for paperless communication as well to avoid paper statements? Or will she automatically not receive a statement since a ) she has not registered her online account and b ) at least one borrower is receiving the statement, and both live at the same address? 

I called in to customer service, but the phone agent didn't sound too sure on her answers. 

Thanks! 

Oh, P.S. - It takes forever to navigate through your IVR and get to the option to talk to a live agent. I'm sure you're trying to mitigate servicing costs by implementing a self-servicing IVR, but man it's confusing. Also, once I got to the live agent option, I was on hold for 45 minutes before an agent picked up. That's a crazy wait time. I suggest more staffing. 

P.P.S. - the security questions for the myloancare online account are terrible. There's definitely room to improve those so they can apply to everyone. I.e. a normal question would be, " What is the full name of the street address that you lived at in the 3rd grade? '' ( or something like that ). Not " What was the name of the street address of your best friend growing up '' - some people ( not me ) don't have friends. Just saying.> The response I received from customer service didn't answer any of my questions, and simply advised me to call back in. I've attached the e-mail. 

The e-mail response is also very confusing. It advises to not reply to the e-mail, but then later states to reply to the e-mail if it does not answer your question. 

Please get it together and give me the answers I'm looking for.

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 2023-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: First Technology Federal Credit Union
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX my husband and I refinanced our home mortgage with First Tech Federal Credit Union. We were waiting for our new loan statement in order to start payment, however we never received any mortgage statement for our new loan, but in XXXX, we got notice that we were late on our mortgage, and once we were able to get information about where and how to pay our new mortgage, we did so immediately. This was all news to us, as we had just thought that we would start our new payments in XXXX, since we were told you typically miss one months payment when you refinance.

After this incident, First Tech Credit Union, reported us to the credit bureau for the delinquency and would not remove the delinquency even after multiple attempts and calls to do so. 

Fast forward to XX/XX/XXXX. We sold our house in XXXX and moved back to XXXX XXXX, XXXX. In XXXX of XXXX we tried to apply for a loan to buy a home and we were informed that our credit report said we are delinquent AGAIN for payment in XX/XX/XXXX! First Tech Credit Union reported us for late payment, even though our mortgage was paid off! My husband and I called multiple times and First Tech member services admitted that it was an internal mistake and they can see that we paid off our mortgage in XXXX, and they are not sure why it was reported delinquent! They expressed that they informed the right department, but every time we call, we are given the run around and no one is taking responsibility for this issue! 

Due to the negligence and internal mistakes of First Tech Federal Credit Union, my husband and I and our XXXX young children are unable to buy a home, and are even having trouble renting. We are highly educated, make great money, and we work very hard. We have been home owners for years, and now, due to these errors on the part of First Tech, we are unable to secure housing! I will continue to slam First Tech Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Merrill brokerage account in XX/XX/XXXX in branch. At the time I believe I was offered {$1200.00} in bonus for opening the account. I have funded the account the same month and met all other requirements. To get the bonus I was supposed to wait 6 months, which I did. 

On XX/XX/XXXX I contacted Merrill support to enquire about the bonus because it was already more than 6 months and I haven't received it. I was told that the person who helped me open the account has not submitted bonus request for my account. So either Merrill representative lied to me or there was a problem in the Merrill system. The support representative said that they can submit application for my bonus. 

On XX/XX/XXXX I had another conversation with support confirming that I will get a bonus. I was told that I can either get a {$900.00} bonus or if I wait another 3 months I will get a {$1500.00} bonus. I agreed to the latter and asked for email confirmation. The representative verbally confirmed that they will send the email, but I never received it. 

On XX/XX/XXXX I contacted Merrill support yet again to inquire about the bonus and ask to get an email confirmation for specific dates and amount I can expect to get. I got another verbal confirmation, but never received any emails. I also asked what would be the latest deadline for the bonus. I was told that I will definitely get it by XX/XX/XXXX or earlier. I notified the representative that if I don't received the bonus by XX/XX/XXXX I will be forced to file a Consumer Financial Protection Bureau complaint against Merrill. 

On XX/XX/XXXX I contacted Merrill support yet again to confirm that we are on track and asked why I have not received any email confirmation. The representative confirmed that I should get a bonus, but he doesn't know the date and he said he will contact me if the date is later than XXXX XXXX or if there are any other issues. I have not received any communication since then and I have not received my bonus. 

At this point I have no choice but to file a complain as Merrill consistently failed to deliver on their promises.

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 2020-10-15
Company: AVANTE
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions 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:
Experian continually fails to process disputes. I have submitted and resubmitted disputes ( requests for investigations and reinvestigations ) several times through the CFPB portal and Experian continually claims it is not being submitted by me even though I provide all the correct identifying information which includes but is not limited to my Driver 's License, Social Security Card, and recent Utility Bill in my name. If I try to submit these disputes via US mail, they get ignored by Experian. When it comes it submitting disputes via Experian.com, they do not allow you to dispute inquiries and so you can't submit anything. 

Experian, please process the attached dispute. Failure to process the dispute and investigation ( including any reinvestigations ) requested will result in a lawsuit in small claims court. Thank you.

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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The 3 major bureau 's never gave me complete disclosure of any debt verification, like actual proof or any signed agreement i ask for in my disputes with Transunion, XXXX and XXXX as they are to keep records on file to verify the debt. My dispute process was started on the on XXXX 2020 by certified mail and recieved on the XXXX of XXXX 2020 i feel that 3 major bureau 's never really verified any of these disputes ... just say that they did XXXX being the better of the 3 in notification.This complaint is my next step in the process of correcting these inaccurate items 6 in total on my 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 2021-09-02
Company: EQUIFAX, INC.
State: VA
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 have reached out about these inquiries on my report to no avail i need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Only a single bureau or agency is reporting this account negative and I do not understand why they are doing this. Please help me get this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital One fraud protection called me on XXXX XXXX saying someone tried to open a new credit card in my name. & they closed the account and told me to contact my credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
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 checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had previously filed a complaint regarding PennyMac Mortgage but would like to add retaliation to it now. My initial iterations are noted in my prior complaint. XXXX with the priority complaint team did quickly call and was highly apologetic, so I did hold off on further complaints ; but did continue to send additional documents to a manager who was reviewing my application. It was quick to determine that the initial agent did review much of my file and had double counted about half of my debts along with not addressing other items such as transfers between my accounts. My gut feeling and general instinct from here, being that I had to escalate my complaints with their negligence ( possibly gross negligence ) and poor service, was that they would need to find a way to cover for their errors and poor care, or to find a way to retaliate against my complaints. However still curious to see if they actually would or not.

As my time has been pressing and PennyMac had already wasted a lot of it, I sought other lenders who I was not a current customer of. There the customer service was considerably better. They did stop to ask the right questions when needed and in only a few days they were able to get pre-approvals out and I have been able to move forward on my transaction. Additionally they stated to me that they could approve me for a considerable amount more than I was asking for. Their rate is the same that I was quoted from PennyMac but unfortunately I have more in fees as I'm not an existing customer. But unbelievable how much better and responsive the service has been. 
Still waiting on PennyMac, though I am approx 2 weeks in with the other lender, but only really due to curiosity at this point ; to see if they will continue with the retaliation I had suspected. Again to try and cover for their initial errors and poor care and service or as retaliation for my complaints and sure enough, the mgr or whatever his position continued to play with why they had to double count items and rearrange other income of mine to note come up with the right amounts. All a conclusion I had expected several weeks prior and I was kind of grinning while listen to it actually play out. Just surprising that a company in such an important filed is allowed to operate with such little ethics or integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Simon's Agency, Inc.
State: NJ
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:
I'm disputing these three accounts. One for {$260.00}, {$40.00} and {$40.00}. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. These are medical and they have not sent me qnything. They are in violation of Hippa laws. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Signed copy of HIPPA form They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Social Finance, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
SoFi finally didn't open an investment account for me because of my nationality. It seems an act of DISCRIMINATION because I am a XXXX XXXX of USA and there is no restriction for residents. 

I asked them to delete all of my information from their system as they are GDPR-compliant, but finally they sent me the attached comment!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I found out the my EDD Bank of America card been charged everyday from XX/XX/2020 to XX/XX/2020 by XXXX XXXX totaling {$4000.00} without of authorization and knowledge. I dont have XXXX or XXXX account and never purchased anything from them. I am XXXX XXXX XXXX woman never played or purchased XXXX. I contacted BoA and opened a case and also did a police report. Bank of America denied my claims by saying there was no errors and the case has been resolved. I have called them 5-6 times and talked with different claims representatives but so far nothing has been done by BoA. I want them to pay my {$4000.00} that was charged by XXXX XXXX immediately since this was my unemployment money from my hard work. This has brought hardship and stress issue for me and my family. Please let me know what else do you need from me.

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 2020-11-19
Company: Professional Finance Company, Inc.
State: AL
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:
Failure to comply on XXXX  and XXXX request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on these accounts : 1. ) PROFESSIONAL FINANCE C XXXX Date Opened XX/XX/2020 Balance {$1000.00} 2. ) PROFESSIONAL FINANCE C XXXX Date Opened XX/XX/2020 Balance {$250.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: EQUIFAX, 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:
There is a new XX/XX/XXXX XXXX  account that never reported to my personal profile and it suddenly appeared with a delinquency status causing me damage. 

The whole late on XXXX XXXX account was due to covid

Company response to consumer: Closed with explanation