BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A case was filed against me in XXXX County Georgia XXXX XXXX by XXXX ( XXXX ) for an alleged debt. I have not received any contact via mail or phone nor was I served any court documentation regarding this matter. I do not know the original creditor ( if any ), amounts, or the nature of the alleged debt. I also have no information on the type of court filing this may be. On XXXX/XXXX/15, I received my personal credit file which shows that I am in collections status with XXXX XXXX ( listed as a creditor ). 

I became aware of this matter when I received several advertisements via US mail from bankruptcy lawyers referencing a court filing against me ( please see attached ). These advertisements prompted me to investigate to obtain further information. I performed a public record search in counties surrounding XXXX, GA and found the court filing which listed the contact information for XXXX XXXX. I called on XXXX/XXXX/15 to inquire about this matter and a representative informed me that this account has been transferred to Frederick J. Hanna & Associates. I asked the nature of their business. The representative stated that XXXX XXXX is a debt collections agency and that no further information could be provided. 

I contacted the Frederick J. Hanna & Associates office on XXXX/XXXX/15 and spoke with a representative by the name of XXXX XXXX. I explained to XXXX XXXX that I did not have any knowledge of this alleged debt nor did I receive any contact or a written validation notice from his firm or XXXX XXXX XXXX regarding such debt. I also explained that the only notification I received were advertisements from bankruptcy lawyers referencing the court filing. I then asked XXXX XXXX to send me a copy of the original written validation notice, if any ; via mail to the address his firm has on file. XXXX XXXX then requested personal information ( social security number and date of birth ). I informed him that I would not provide such information without knowing the nature of this alleged debt. XXXX XXXX refused to grant my request to provide documentation and any information regarding the matter due to my not providing personal information. I written a letter to Frederick J. Hanna & Associates sent via certified mail on XXXX/XXXX/15 ( please see attached ). As of today, I have not received any contact from the firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
this is concerning case number XXXX with CFPB which was the original complaint in XXXX 2014. This case was resolved with Regions agreeing to update the XXXX credit bureaus that the loan XXXX that I pay XXXX/mo on an agreed monthly basis and was not written off or have I ever been delinquent on a payment as was showing on my credit report. As of XXXX XXXX, XXXX and XXXX are still reporting this loan to be " charged off '' and delinquent. XXXX XXXX appears to be updated as this negative comment has been removed from their report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I attempted to acquired XXXX as my TV and internet service provided for my apartment at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. My apartment complex is an XXXX XXXX XXXX connected community and thus can not have XXXX XXXX. I was sent the equipment and then was told that I could not receive service. I returned the equipment via XXXX as requested. The account was closed with a zero balance two-three days later, because it was within the 30 day money back guarantee. XXXX decided to sent a debt collection agency, AFNI, INC. to collect {$41.00}. This is wrong because I can not be charge for a service I have never had. The service was never even activated, because the address was not serviceable. I have attempted to contact AFNI, Inc. but no one will answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
An illegal foreclosure has been started against my home, even though I was still in the modification redemption process. I will file a Chapter XXXX bankruptcy petition to stop this action if necessary, but under the amended Fair Debt Collection Practices Act of XXXX XXXX, 2014, I was protected of any ongoing actions for a foreclosure action until all modification remedies have been exhausted. Select Portfolio Servicing , Inc. has through their lawyers brought this foreclosure action against me, thus violating my rights under FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am in the process of getting approved for a remodification for my home and I have setup an automatic payment for my home dated for XX/XX/2017. However, today, XX/XX/2017, I had to manually send the payment of {$4400.00} to the Loan Servicer SPS Financial because they still had not debited my account for the agreed amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
For SIX MONTHS, the Equifax Credit Freeze web sites has not worked. Their website is broken and one of the most dysfunctional website I've seen. 

This is especially apparent on the Credit Freeze page. And, apparently, no body in their IT department is monitoring your web sites because they didn't know they had a problem with the credit freeze page. It still doesn't work and it hasn't for SIX MONTHS. On my.equifax.com, click on Freeze and you get a page saying 'we  can't complete your request at this time '. Wouldn't removing a freeze be somewhat of a priority?? 

I had someone perpetrate fraud on me years ago and since then, I've been very careful with my credit. I currently have freezes on all of my credit reporting accounts. When trying to remove a freeze from my Equifax account, we are forced to call. The number took me to a customer service office outside of the US. The login system asked automated security questions and I had a hard time understanding the computer voice as I have hearing loss. Apparently, not understanding what the choices were ( even though I had an open credit file in front of me ), it failed me. The online  representative, an XXXX, refused to identify himself further ( but after a bit of haggling gave me XXXX ) was not helpful. He could not re-ask questions. He refused to assist me even though I identified an American 's with Disability issue on hearing problems. And, especially with COVID-19 problems causing all sorts of financial difficulty, he refused on both of those requests. 

Equifax is the WORST credit bureau out of the three. The other two 's websites worked great. The President, XXXX XXXX, ignored attempts to contact him directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Date XX/XX/XXXX, amount {$670.00}. The XXXX at XXXX XXXX was greedy and expected me to pay more. Based on the contract, the XXXX Landlords duty did not complied with the building and housing codes. The mechanical room came out somethings has damaged the carpet. See the picture XX/XX/XXXX. The water of the old plumbing system was very dirty, and not sanitized. See the picture XX/XX/XXXX. These unsafe conditions were affected my health and made me sick. I had to suffer to stay there for 3 years. The XXXX Landlord knew these serious conditions and pretended to do the renovation. The XXXX Landlord sent the threatening letter and forced me to pay more or move out with a short notice dated XX/XX/XXXX. The XXXX Landlord forced me to move out for their repair on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented a XXXX Bed Room Apt from XXXX XXXX Apartments in XXXX FL. XX/XX/XXXX. I informed Management that I would be moving in 30 days due to employment relocation to XXXX XXXX I moved out on XX/XX/XXXX. The property manager retained my security deposit. I was not informed of any additional charges over and above my security deposit. XXXX XXXX Apartments reported me to the XXXX Credit Bureaus as owing a misleading debt of {$2500.00}, of which {$1800.00} was for XXXX rooms of carpet installation, one months rent of {$490.00}, House keeping charge of {$120.00}, and a late fee of {$65.00}. 
Upon moving out, I left my apartment in a clean and orderly manner as when I arrived. I am a XXXX, and I was the only person in the residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: VA
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 sent a letter to Equifax on XX/XX/2020 to dispute 5 items on my credit report. The items are either inaccurate or unverifable. It has now been 50 days and Equifax has not replied to my dispute and/or deleted the items from my credit report. This is a violation of the FCRA 's time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Quicken Loans arbitrarily and with absolutely no notice on XXXX XXXX, 2016. At that time Quicken 's representative, XXXX XXXX XXXX, informed me via voicemail that my preapproved loan was being withdrawn with notice. XXXX XXXX stated that new TRID guidelines were forcing Quicken to withdraw all preapprovals and force borrowers to go through another round of the very painful process on re-applying. Why did they not do that back in XXXX? 

Given the insane profitability of their industry the most reasonable explanation is that they want to generate another round of fees. 

Quicken has damaged my credit score. I am now forced to apply elsewhere, with the resultant loss of credit score points because of the inquiries. The result is potential financial damages due to higher interest rates. 

Quicken has also put my corporate relocation benefits in jeopardy. QL is who XXXX relocation services referred me to. I am working under a deadline ... QL has forced me to start from the very beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
SYNCB/SAMS CLUB Inquiry date : XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I do not have an account, nor have I ever applied for an 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 non-monetary relief
Consumer complaint received 2017-03-08
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Home mortgage loan was transferred to another provider without notification. The loan had been on automatic payment with the original provider. The original provider was aware that I did not reside at the property address ( it is a rental ). The new provider failed to extract my mailing address from the old provider 's contact information however it did have my phone number. No one contacted me to inform me that : 1. The loan provider had changed. 2. My account was in default due to non payment ( 90 days ). 3. My credit history is now severely affected. I am looking to restore my credit history to the state prior to this incident. We have paid all past due balances.

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 2020-08-05
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: Public record information inaccurate

Complaint:
On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX California in XXXX XXXX and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus XXXX, XXXX and Transunion. This fraud alert was placed on my profile by XXXX XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute

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 2023-01-19
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan number is XXXX. I filed for bankruptcy in XX/XX/2022 and the Freedom Mortgage personnel need to get in contact with their attorneys because their claim was not honored by the court. The trustee is not making payments to them. My account needs to be adjusted to reflect that. They were notified but their claim was denied by the bankruptcy court.

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 2016-05-27
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I receive a Proposed Modification to my mortgage and contract XXXX on XXXX XXXX, XXXX. Reviewing the documents I question the, at best misleading and at worst deceptive, nature of the disclosures accompanying the contract. 
First of all, XXXX XXXX of the accompanying explanation is missing. I notified my contact with my mortgager by phone and requested the first page be emailed to me, and as of this date, that has not been done. I have followed up with an email and am awaiting a reply. 
Based upon the Exhibit # XXXX and the Contract itself, there are several points that are misleading. 
Lacking the specifics from page XXXX, I turned to Exhibit XXXX ( attached, as is the contract itself ) for clarification. According to the Proposed Modifications column ( right side ), I will be paying 3.5 % interest initially, then I will pay 3.625 % interest ; Exhibit # XXXX does not clarify when that will go into effect. However, the contract contains a table that explains that the first rate will apply for the first 60 months, and the higher rate will apply for the remaining 237 months of the contract. Here the proposal is vague, although there is room on the right to add the 5-year/60-month notation. Additionally on the left, there is no indication of what the current completion date is, and the XXXX on the right implies that the mortgage will be a shorter term loan. However, it is clear that 11 months have been added to the current completion date XXXX XXXX XXXX/XXXX/XXXX. 
Additionally, although the contract clearly states that I am agreeing to repay {$400000.00}, the Exhibit implies in the right column that there has been a principle reduction to {$350000.00} ; not that that is the actual amount due after paying down the principle for 5 years. Furthermore, the {$00.00} balances under penalties and charges on the right imply that those have been forgiven, not that they will be paid off within the first 5 years of the proposed modifications. 
Additionally, nowhere in the paperwork I have received have I been credited with the {$2600.00} payments I have made in the last 3 months, nor has any indication been made as to how the funds impacted the amount currently owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-26
Company: Incomm Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a vanilla visa gift card but I couldn't use it online it wouldn't go as credit or debit with it without a pin #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 went to the car dealership the other day for the third time, they said they were going to do one hard inquiries but all of these popped up on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
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: Reporting company used your report improperly

Complaint:
XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: MID-ISLAND MORTGAGE CORP.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The lender took to long to approve the loan. I qualified but he/she took so long that I had to file XXXX extensions and I am now out an earnest money deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion and XXXX has countless times allowed creditors to illegally add items to my credit report without verifying or validating this information, the following account from XXXX. XXXX XXXX Ive sent several certified letters demanding them validate any account they claim belongs to me and each time i have demanded this information this company has ignored my request but still was allowed to post this inaccurate information to each of my 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 2021-01-26
Company: AG AH LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 we selected XXXX XXXX/ARC with XXXX XXXX based on a review of three competing lenders to do our VA XXXX refinance. We were shown an estimate that considered all the factors ( based on our timely submission of all pertinent documents ). We also signed the initial disclosures that showed our closing cost would be a refund of {$34.00} dollars on XX/XX/2020. Fast forward to XX/XX/2020, we were told that our closing cost would now be $ XXXX. They said they would apply some credits but the closing costs would still be around {$2100.00}. We asked why the change and stated it was due to a factor that they already knew beforehand and the clarification was the timing of the loan but they also knew it would close in XXXX which it would have. I asked to go back to the initial disclosure closing cost but they only respond with the timing of the loan and that they will only extend the rate which does not help the closing costs. It is now XXXX and they expect us to fold and restart the process with another company. I dont think this is fair since we have already invested 5 months into the process. I think they should keep their promise to us.

Company response to consumer: Closed with monetary relief