BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX ... FREEDOM MORTGAGE*** THIS COMPLAINT IS AGAINST A SPECIFIC INDIVIDUAL FOR NUMEROUS CRIMINAL ACTS ... WE HAVE EVIDENCE IN WRITING*** XXXX XXXX IS GUILTY OF CRIMINAL CONVERSION, RACKETEERING, EMBEZZLEMENT, LOAN FRAUD, ATTEMPTED GRAND THEFT, MORE WHILE INSTRUCTING NUMEROUS INDIVIDUALS BELOW HER TO COMMIT CRIME IN A CRIMINAL SCAM DEFRAUDING THE ELDERLY, MINORITIES AND THE LESS EDUCATED. 

FREEDOM MORTGAGE COMMITTED LOAN FRAUD WHEN THEY ISSUED THE LOAN. THEY VIOLATED COUNTLESS STATE AND FEDERAL LAWS ON LOAN DISCLOSURE AND CRIMINAL FRAUD. THEY HAVE CONFIRMED LOAN FRAUD BUT THEY HAVE KEPT THE ILLEGALLY OBTAINED FUNDS. 

XXXX XXXX ALSO SUPERVISED AND COVERED UP EMBELLZEMENT WHILE INSTRUCTING OTHERS TO TRY AND STEAL A HOME ILLEGALLY. SHE ALSO INSTRUCTED OTHERS TO COMMIT LOAN SERVICING FRAUD. 

THE LOAN FRAUD IS DOCUMENTED IN THE CLOSING DOCUMENTS FOR THIS LOAN THE EMBEZZLEMENT IS IN WRITING AND CONFIRMED BY XXXX XXXX THE LOAN SERVICING FRAUD IS IN WRITING AND CONFIRMED BY XXXX XXXX IN ADDITION, XXXX XXXX SOLD THIS LOAN TO XXXX AND WE NEVER SIGNED OR AGREED TO THEIR ABA ( AFFILIATED BUSINESS AGREEMENT ) SO THIS IS ALSO A VIOLATION OF STATE AND FEDERAL DISCLOSURE FREEDOM MORTGAGE RECEIVED COMPLAINTS PRIOR BUT DID NOT ANSWER THEM. THEIR CUSTOMER SERVICE IS A FRAUD. 

THE BANKS HAVE ABSOLUTLEY NO FEAR OF THE CFPB. THEY THINK THE CFPB IS A JOKE. YOU NEED TO MAKE A STATEMENT AND PROSECUTE THESE CRIMINAL ACTS. THERE ARE THOUSANDS OF VICTIMS AND BILLIONS IN LOST ASSETS ILLEGALLY SEIZED BY THESE CRIMINAL XXXX ALREADY ... WITH MORE ATTEMPTED THEFT AS WE SPEAK.

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
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 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 2018-02-06
Company: HW Holding, Inc
State: OH
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:
hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to XXXX in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report 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 non-monetary relief
Consumer complaint received 2016-10-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I Applied for A Mortgage loan with 5/3 Bank in 2012 for A repossessed house and the house needed some repairs too. So the loan XXXX at the Bank XXXX that I use the Banks own XXXX to repair the House before the loan will be Approved I agreed. The job was n't done right or on time so I Contacted the bank again to tell them the XXXX of the job that their XXXX did. So the Bank sent an XXXX 5 times to my House because their XXXX told them that the House was Completed. 
Coming to find out from the XXXX that the XXXX was XXXX and the XXXX was XXXX. So because I refused to sign the XXXX from the Bank to the XXXX he filed a lawsuit against me and the Bank. So the bank Charged me {$940.00} Stating that they had to file a response to the Lawsuit even though it 's the Banks XXXX that did n't complete the job like he was supposed to. We went to court and the Bank Settled with me so that they 'll be out of the case and then they turn around and add the {$950.00} to my Mortgage payment. So I 'm paying extra towards my principal and the bank is taking the extra as a payment for {$940.00} which I do not owe them for ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
We received a call from Freedom Mortgage our current mortgage holder offering us a no cost option to refinance our home because all of our payments were on time. The lender said that our new rate would be a at least of .25 % less then what we are currently paying and it could be even less then that if our credit was good. They sent us us back a denial letter. In the denial letter they said that our credit score was XXXX which we thought and were told by everyone is n excellent score. However we own rental properties. Therefore we have several mortgages. All of them have always been paid on time with never a late payment to anyone. However because our loan can not be sold on the secondary market we were denied If lender turn down people with XXXX credit scores and who are willing to personally guarantee their loans. I guess the only people who can get loans are people like XXXX XXXX, who has had many bankruptcies and never provides a personal guarantee.. Why are we who are truly credit worthy being discriminated against.?

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 2016-04-23
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage received and cashed my XXXX 2016 payment but they did not apply it to my loan # or mortgage account. 
They tried to say that I did not send it in, but the records showed that it was cashed on XXXX XXXX, 2016 well before it would be considered late. 
They stated they had " lost '' the payment and proceeded to send me letters stating I was overdue and in default. They called repeatedly asking for the payment they had already cashed but never applied to my account. 
I requested proof of payment, including the endorsement and the # of the account it was deposited into. I have sent this information to Freedom Mortgage, but they have yet to apply the payment to my account and continue to call me, saying that my payments are late. 
They have refused to send me a check for an escrow overage that is due me, even though I am up to date on all payments, just because they never applied the payment correctly to my loan #. They are sending my bills with late fees, even though I am up to date. 
They have refused to respond to XXXX recent emails, asking for them to call me back. Their representative, XXXX XXXX, stated that Freedom Mortgage would reimburse me for the fees necessary to prove endorsement and cashing of the payment. He stated he would send me correspondence on Freedom Mortgage letterhead to confirm this, but this was never done. Why do they expect customers to pay the price for their ineptness in losing payments and to incur additional costs to provide proof to them of their own endorsement and cashing? 
I have spent 40+ hours talking to their " customer service '' representatives who treat me like a criminal, even though I have sent them all the evidence to prove that this is THEIR ERROR and they have had the money in their account since XXXX XXXX, 2016. 
They are non-responsive and have not fulfilled their contractual responsibilities to me as a customer in completing the basic task of applying my payments to my loan. They are at fault, have taken no responsibility and have demonstrated incompetence and a basic lack of regard for their obligations and duties. 
They should be held accountable. They have XXXX complaints against 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 2021-01-19
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The car was totaled out in XX/XX/XXXX of 2020. A check for the car was sent on XX/XX/XXXX for an amount of {$8400.00}. When the check failed to arrive the first time a second check was sent out on XX/XX/2020 in the same amount. I have contacted Hyundai Motor Finance about this on numerous circumstances and was given a run around. Today when I called I was told that my insurance needed to still send in a couple of documents still. I emailed my adjustor and he said that they were already sent in to HMF. I called back within 30 minutes and was told that they were closed. I had my father call and he was given the same run around that I was just given and know can not get in contact with them again as well.

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 2015-04-20
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I am submitting this complaint on behalf of my son ... my son is in XXXX several months ago ... my son received a letter dated XXXX XXXX. 2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his XXXX at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..today..XX/XX/XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in rehabilitation for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: National Credit Systems,Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by phone on XXXX/XXXX/15 by XXXX XXXX with National Credit Systems. She told me that I had a bill from XXXX XXXX that had been turned over to her office for non-payment. I explained that I had moved out of the complex and was not aware of any bill. I requested a copy of the bill be sent to me. XXXX XXXX said she would put it in the mail to me that day and put a hold on the collection account. I received a generic phone message on XXXX/XXXX/15 from XXXX XXXX asking me to call her. I returned her call and left a message. I called again on XXXX/XXXX/15 and got XXXX XXXX, she had no record of our previous conversation. XXXX XXXX said that XXXX XXXX claimed I left over {$1100.00} in damage to the apt . I explained that the apt was left in perfect condition and I had friends who helped me clean it and could confirm the condition. I again requested a copy of the bill, all the charges itemized and photographs of the so called damage. XXXX XXXX said she had a bill with a total and would mail it to me that day but could she get my credit card number and have me make a payment. I told her that I am disputing this bill. She assured me that the account was in dispute and it would not be filed on my credit. I called XXXX XXXX on XXXX/XXXX/15 because I still had not received the bill. She said she would request the bill. I stopped her and asked " What do you mean request the bill? Do n't you have a copy of it? '' XXXX XXXX said that she had requested the bill but never gotten it. XXXX XXXX immediately transferred me to a voice mail box that she claimed was her supervisor. I left a message with my account # and phone #. I was not called back. I left a message on XXXX/XXXX/15 and XXXX/XXXX/15 and have not received a call back or a copy of the bill. I did received a letter from NCS on XXXX/XXXX/15 stating that they were placing this debt on my credit history if I do n't make payment arrangements with them immediately. I filed a complaint with the XXXX on XXXX/XXXX/15. I received a call from XXXX XXXX on XXXX/XXXX/15 in response to my complaint. He said that his office mailed a copy of the bill to me on XXXX/XXXX/15 and he would request another copy be mailed. He was very abrupt and rude. He said my account is still in dispute and nothing will be filed on my credit at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: NV
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:
On our about XX/XX/XXXX, I received a letter From XXXX XXXX XXXX Account Number XXXX, Vehicle - XXXX XXXX XXXX, VIN # XXXX, CFPB Complaint No : XXXX, stating that XXXX XXXX XXXX & XXXX XXXX were unaware of any pending lawsuit. ( see attach ). 
As of now, XXXX XXXX and XXXX XXXX XXXX is reporting the above account as a charge off with XXXX balance. Records indicate that XXXX XXXX paid off the Vehicle in Full and paid off all repossession charges. Therefore the record on the credit bureaus should show paid off in full, since the car was never taken to auction or sold publicly, but that part of XXXX Agreement was to pay off the vehicle repossession fees and free me of any liability concerning this vehicle. 

The second problem was that XXXX XXXX/XXXX XXXX XXXX claim they were not aware of any lawsuit that I had brought against the company, concerning the above vehicle which only goes to show that XXXX XXXX/XXXX XXXX XXXX did not do thorough investigation before submitting there response to CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX separate instances somebody ( not me ) applied for credit with XXXX different banks ( XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX on XX/XX/2022 ). 
I called XXXX and spent a long time explaining this to them. Its identity theft. They said they can note the account and do an investigation. Plus I put a freeze on my account after begging for that opportunity. Amazing. 
So.. i get a letter today saying after their investigation that the investigation has not resolved my dispute and instead the information has been updated NOT deleted. 
I called and they said there is nothing more they can do. 
This is just wrong. Somebody somewhere has my soc security number and is trying time again to open credit in my name. This type of stuff is all over the news and XXXX knows this. And they arent doing anything to help. 
I need these inquiries removed from my credit report. Ive worked very hard to have good credit. And credit agencies like them dont care! I need this complaint filed. Because if I end up being an actual victim and somebody ruined my credit.. I will sue XXXX and transunion. They too have been unhelpful.

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 2020-01-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
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: Problem with personal statement of dispute

Complaint:
Back in XX/XX/XXXX I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX finance refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I can not get anyone to do their job at Freedom Mortgage so I am having the homeowner file this complaint on his own. XXXX XXXX is the homeowner and if this complaint is in the third person, it is because it is the same complaint I have tried to file on his behalf with no success, as Freedom Mortgage is seemingly above having to respond to complaints made against them with the the CFPB : XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He is actively seeking gainful employment and wants to save his home that he resides in, desperately. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Freedom Mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender has consistently applied every additional principal payment that I have made into suspense instead of applying it to the principal. This has happened several times over, and if I failed to check, and called in, every time, I would have never know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: MIDFIRST BANK
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home loan was through midland mortgage. I was in the forbearance program for approximately 16 months. I sold XXXX home on XX/XX/XXXX 2021.My outstanding balance on my mortgage was XXXX, in which all my statement reflect this balance. My statements also show that there is no late fees due on the loan as dictated by the government for FHA loans. Midland Mortgage took the {$11000.00} in interest which was due as reflected on my tax statement. Midland Mortgage also took another {$13000.00} in which they keep telling me that it it interest and fees. I have reached out to a live customer service rep on several different occasions and they dont really tell no specifics but just saying I owe it. Back in XXXX when they first took the funds they had in my online file that the money was interest but they have since deleted the statement from my account. I also believe that the interest is calculated wrong at a 7.25 % rate the interest should have been {$7300.00} in interest charges. The buyers of my home sent the check to Midland mortgage first and they just took what they wanted.

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