BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-03
Company: Southwest Business Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The defrost mechanism in our refrigerator broke and water was leaking under it without our knowledge. This caused substantial damage to our bamboo flooring. A flooring contractor informed me that we had water damage, but stated he could refinish the floor. After initiating a claim, the mitigation company contracted by our insurance company determined the floors could not, in fact, be refinished. As a result, we had our kitchen floor and a large portion of the adjacent wall ripped out. We have now lived like that for 2 months while we waited for our insurance company to determine an " appropriate '' value for floor replacement. Finally, they informed us that they would be issuing us a check that would allow us to move forward with our renovations. I have since learned that it is fairly standard for insurance companies to require checks larger than {$10000.00} be managed by the property lien holder ( mortgage company ). What is NOT standard is the ridiculous amount of hoops that our mortgage company, SWBC, is asking from us. We must not only send them a XXXX with a signed contract from any contractor working on projects, but continuous itemized receipts to receive any money. Are they planning on paying the interest on the credit card I will be forced to use to buy flooring? I am so confused and wondering why they are micromanaging our project? I do realize that they have a vested interest in the integrity of our home, but I would like to manage the finances of this project on my own? So, if I am able to find flooring and a contractor to do the work for less then the amount of money placed in escrow, where does the remainder of the money go?? Do they keep it, send it back to XXXX? This has been such a disaster. I have spoken to many persons with similar claim amounts wherein their lender simply required them to sign a waiver showing intention to complete repair work. 
I have since been on the XXXX site where I discovered multiple complaints on the same issue of prompt insurance check payments from SWBC. They complained of waits upwards of 2 months! I simply can not have holes in our kitchen for another 2 months while I wait to be repaid for repairs? Is the escrow check interest earning? Is SWBC really paying to employ persons to manage this? This seems like an unbelievable waste of resources. I am so regretting using this lender, and we will immediately refinance after this debacle ends, but for now ... our insurance claim money is being held hostage?? I never knew this was legal. : (

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 2021-07-30
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: Account status incorrect

Complaint:
On XXXX XXXX I contacted EXPERIAN XXXX & other companies displaying on my credit report TO DISPUTE ITEMS OFF MY CREDIT REPORT DUE TO FRAUD THEY HAD 30 -45 days to remove any negative items they did not they continued to report fraudulent information on my credit report including DEBT, inquiries that I did not consent of I then contacted them certified mail to remove all inquiries and items from my credit report ASAP sent all documentation to prove my identity they did not remove items at all this is unacceptable my concern is to remove all negative debt items and in consent inquiries off my credit report ASAP

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 2020-04-19
Company: EQUIFAX, 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:
ftc violations attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p,  approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXX all companies listed violated all the above FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lowes stated " see if you're pre-qualified with no impact to your credit score. '' I submitted my info and within about 3 seconds I got an alert that my credit score dropped 3 points. They're lying to people! See attached screenshots.

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 2016-07-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Mortgage was transferred from bank to bank since I'v bought it a few years ago, and I noticed Fraud on their end. They refused to acknowledge it and have begun Foreclosure proceedings on me and my family.

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 2021-07-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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:
I filed a dispute on XX/XX/2020 regarding a new collection on my file. 
The reporting agency took less than 48 hours to investigate my dispute which leads any reasonable person to believe that my dispute was not properly handled. This account has been paid and closed for more than two years.

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 2021-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was given an auto contract that did not included the finance charge pursuant to 15 usc 1605. Bank of America has been sending me statements with attempts to coerce me to make payments, which is a violation of 15 USC 1692j and 15 USC 1692e. they also did not include my rights to rescission. pursuant to 15 USC 1635.

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 2015-09-23
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX, XXXX at our XXXX XXXX County Recorders XXXX on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XXXX XXXX, XXXX have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to OCWEN, XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX. 

These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/2014 : Notice of Dispute and Demand for Verification letter certified mail served to Ocwen. 
2. XX/XX/XXXX : XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office. 
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against Ocwen and XXXX Bank. 
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to OCWEN and AFFIDAVIT REQUEST TO OCWEN LOAN SERVICING , LLC VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity. 

5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX. 
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and Ocwen Loan Servicing , LLC . 

PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right. 

I 'm demanding that these XXXX ENTITIES, OCWEN, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity. 
I can be reached at ( XXXX ) XXXX. 

respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
In XXXX mi exwife rented and aparment in XXXX and we got separated in XX/XX/XXXX, and witch my exwife to out the any right from the aparment, and we got divorced in XX/XX/XXXX, went she move the company never returned the dispoite {$2000.00} dollars she moved to XXXX and bought a house, now after 4 years without any conscta and disclosure of my rights they post in my credit files and collections,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Stated late but no proof was provided to 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 non-monetary relief
Consumer complaint received 2020-03-31
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:
Failed to correct existing issues

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have gotten information today XX/XX/22 that the credit bureau Trans Union has been using my information in the dark pattern. They have been sharing my information and I want to have my credit report completely cleared of anything that wasn't added this year.

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 2015-10-07
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have tried for nearly 2years to get a loan on our houses without success. Have also tried to, refinance our business property with out success. We are both in our XXXX. My husband is self employed and I am still working full time. Our home is not mortgaged and our business is with a high interest. The properties are worth XXXX XXXX.We have tried various loan sources who promise a lot. My husband is a veteran and we can not get at VA loan. We get no response as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Someone opened a comcast cable bill in my name. They some how got a hold of my social sersurity number and there are asking for {$1000.00} in false debt charges.!! Southwest Credit Collection in XXXX XXXX .is at XXXX 
Spoke with " supervisor : XXXX XXXX, and Ijust get transferred to a " voice mail acconut and know one retiuns my call?? ( XXXX }, has then listed as being " OUT OF BUSINESS ''. 
GOTO THIS SITE FOR MORE INFO XXXX ( cut and paste into search ) XXXX Support number is : XXXX. In order to get a copy of the false contact I would have to go to " XXXX XXXX XXXX " to pick one up? 
That would take my hours at a cost of around {$40.00}. 

My XXXX Bank Statement has ne " using my debit card three ( 3 ) times, on the date this Account was opened.Hmm ... .Can not be at XXXX place at once!!! 

Please " publish this, for the public to read. '' Copies XXXX b mailed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XXXX XXXX I contacted EXPERIAN XXXX & other companies displaying on my credit report TO DISPUTE ITEMS OFF MY CREDIT REPORT DUE TO FRAUD THEY HAD 30 -45 days to remove any negative items they did not they continued to report fraudulent information on my credit report including DEBT, inquiries that I did not consent of I then contacted them certified mail to remove all inquiries and items from my credit report ASAP sent all documentation to prove my identity they did not remove items at all this is unacceptable my concern is to remove all negative debt items and in consent inquiries off my credit report ASAP

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 2022-04-13
Company: EQUIFAX, INC.
State: GA
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/XXXX, I brought four tickets leaving XXXX XX/XX/XXXX to XXXX XXXX from XXXX XXXX XXXX. I charged the purchase to my Capital One credit card. ( Enclosure 1 ). On XX/XX/XXXX, Capital One withdrew the money from my XXXX checking account. ( Enclosure 2 ). XXXX XXXX cancelled our flight due to the coronavirus. I tried to rebook on XXXX XXXX using my Capital One card but it was refused multiple times. I called them, and they said they suspected fraud so my account was restricted. I then used my XXXX credit card and rebooked my tickets on XXXX XXXX. ( Enclosure 3 ). XXXX XXXX REFUNDED my money for the tickets I bought with my Capital One credit card. ( Enclosure 4 ). This is where the problem begins I have lived in the XXXX since XXXX. My drivers license is from XXXX. Capital One informed me to un restrict my account I would need to get a state ID or State drivers license. Since I was going to America anyway I said okay. However, ALL flights have been suspended to U.S. so I will not be able to go there till next year as my daughter and son have to go back to school. Capital One informed me I would NOT be able to get my $ XXXX-dollar refund until I get a state ID. Even if I closed the account they said they would not be able to return my refund. That is the problem. 
Capital One sent me my card here in XXXX. The mailing address on the account is XXXX, XXXX XXXX. We receive our mail through the American Embassy in XXXX. ( Enclosure 5 ). I have a U.S. passport, a government retired ID card and a XXXX  drivers license. ( Enclosure 6 ). Also, I have the credit card in my possession. ( Enclosure 7 ). 
Capital One is worried about fraud on my account and I understand. However, I am asking them to put the money BACK into the same account they took it out of. How can that be fraud??? I paid them, the airlines paid them AGAIN. So they got paid TWICE!!! Putting the money BACK where they took it from is not fraud but FAIR. I can not wait 1 year while Capital One hold on to {$3000.00} dollars of my hard earned cash. 
So I am asking you to PLEASE help me get the money returned to THE SAME ACCOUNT IT WAS TAKEN OUT OF. Where is the fraud???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I legally changed my last name to my maiden name, and I have the court order. I sent the court order to Trans Union and up to date, they still show my old last name. Trans Union claims that my creditors report me with my last name which is not accurate since I notified ALL and the name was in fact changed. I changed my SS, XXXX, Driver 's license, however, Trans Union will not change my last name. This is causing me a huge burden as I had no choice than to freeze my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/2015 I made a deposit of {$100.00} into BB & T bank. Which at that time brought my account to a total of {$95.00}. Also on that same date there was a charge of {$28.00} and {$36.00} ( Over Draft Fee ). The reason for the fee according to BB & T is that they had to separate {$100.00} from my account to pay for a ATM with draw that did not happen till XXXX/XXXX/2015. By doing this they Over Drafted my account. And because of this, it caused a Dominions affect on my account where I have charged a total of {$320.00} in NFS fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation