BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XX/XX/2022 Ive been dealing with a very irregular experience regarding getting my home refinanced with Nationwide Mortgage Bankers inc. From what I researched about refinancing a home this process has been taking way longer than it should. I was told back in XXXX that this would be a very simple refinance since my payments are always on time but then a month later, I was told that I didnt have enough income. Due to this, my dad agreed to co-borrow his credit since his credit is good and has his home entirely paid for. So once again I was told this process would be simple and smooth. All of the paperwork I was told was needed was emailed to the same gentleman, XXXX, every week. Yet every time he would tell me a different excuse which included him being busy with his girlfriends birthday, a car accident, and helping his mother. The last thing I was told by him was that he was relocating to Florida and that a new gentleman, XXXX, would be taking over my case. I was told by XXXX that this case transferring would not interfere with my process. I continued to attempt to call and text XXXX after this but received no reply. 

After XXXX took over the refinance all of the paperwork that was already sent to XXXX had to be resent to XXXX. XXXX was apologetic as this wasnt really his fault. I was then told that since my case was coming to a close, I wouldnt have to pay my mortgage for 2 months. I did as I was told, and my XXXX payment ended up being late due to the false information I was given. Im still being told that my refinance is pending all paperwork, but this has been going on for months. 

XXXX recently called and texted me saying he was in the hospital for three weeks and said he heard I was upset so he sent several text messages claiming that hed check back on my refinance. He sent these text messages because I had told his coworker previously that I was seriously considering speaking to management and was told that he ( XXXX XXXX was management. I have several text messages saved of his unprofessionalism. XX/XX/XXXX was the first time I got a different person on the phone who then told me who the actual management was. She, XXXX, told me she would send their management a message and include XXXX, XXXX, and me to the email. Once the email was sent, I kept receiving very unprofessional text messages from XXXX that I have no problem sending if you would like. 

Nationwide Mortgage Bankers at large has been incredibly unprofessional through this experience and this process, namely the text messages that I received from XXXX, made me extremely uncomfortable and disheartened. I hope that this can be rectified in the very near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I recently got a Card from The first National Bank Of Omaha called XXXX XXXX XXXX XXXX. I used it to make purchases on Sunday XX/XX/XXXX. They were all online purchases and when I went to make another purchase the card was not accepted. I called the card and they connected me to the fraud department. They then asked about all the purchases and amounts and I said yes that I made those purchases. They then asked some security questions in which I answered including they wanted my drivers license number to identify me. later found out they were not to ask for this. They said my information did not match up with my account. They lady I talked to was new and didn't know what she was doing. They then told me in order to identify me I have to go to MY financial institution and Have them call the credit card to identify me or send by email notarized documents of tax records,10W40, and ID!! What card does this??? I went to my XXXX and they strongly told me that this is not a good card and they should not have to call this card company that has nothing to do with the XXXX to verify me as the card company should already have this in place. 
I called the First National Bank Of Omaha back and they told me the same things to have done to verify me and they can not tell me anything about my account and they have blocked me completely out of my online account. 
At this point they will not even close my account at my request!! They also will not tell me how much I owe them so I can pay off the card and even if they did they still will not close the account with the fraud alert on it. 
I have ready online a lot of bad reviews on the First national Bank of Omaha. There are a lot of people going through the same thing as I am with them. I believe what they are doing and requesting for access to my account is fraudulent and possibilities for identity theft. 
I have contacted XXXX and they suggested to put a freeze on my credit information in which I have done. 
I would like this First Bank Of Omaha investigated! There should be no reason they can not identify me when I entered all my information correctly when I applied for the card. They would not have issued it to me if I didn't have correct information. 
I have also been strongly advised to not send in those documents to them so I am not doing so. 
Please get back to me on your investigation. 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 2022-06-30
Company: Experian Information Solutions Inc.
State: OH
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 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. 


XXXX XXXX $ XXXX XXXX XXXX {$750.00}. XX/XX/XXXX XXXX  XXXX. {$1400.00}. XX/XX/XXXX XXXX XXXX XXXX. {$1800.00}. XX/XX/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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have contacted this company to notify them a account that I disputed and asked for a investigation due to inconsistency on the reporting on the account in question and the company results after their investigation said that the account met FCRA requirements but never told me how they came to their conclusion. Under 15 usc 1681 section 602 A states I have a right to privacy 15 usc 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Inaccordance with the Fair Credit Reporting Act XXXX has violated my rights in 15 u.s.c section 1681 sections 602, 15 u.s.c section 604 section A2 also states a consumer reporting can not furnish a account without my written instructions, they also violated my rights under 15 u.s.c. 61 81 section 611 5 the law clearly states if items are found in accurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account XXXX 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 non-monetary relief
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: OH
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 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. 


XXXX XXXX $ XXXX XXXX XXXX {$750.00}. XX/XX/XXXX XXXX XXXX. {$1400.00}. XX/XX/XXXX XXXX  XXXX XXXX. {$1800.00}. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-30
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In a letter dated XX/XX/2022, sent via the CFPB, responding to complaints XXXX and XXXX, Shellpoint made the following statement : " XXXX, XXXX, not in its individual capacity, but solely as trustee on behalf of XXXX  XXXX Trust is currently the owner of the account number ending in XXXX '' " XXXX, XXXX, not in its individual capacity, but solely as trustee on behalf of XXXX  XXXX Trust holds legal title to your loan XXXX XXXX and has hired Shellpoint to service your mortgage loan and to act as agent for them. The servicer is responsible for ongoing administration of your loan, including receipt and processing of payments, sending your billing statements, managing the escrow account and paying escrow items, resolution of payment-related issues, receipt of legal notices, and response to any other inquiries you may have regarding the servicing of your loan. The owner does not service the loan. All correspondence and inquiries concerning your loan should be addressed to Shellpoint. '' They then state : " Shellpoint is unable to execute this deferment offer ... '' and " ... Shellpoint resubmitted your deferment request to your investor, and a 9-month deferment was approved, but you were required to submit two monthly installments '' The problem I have here is when I talk to Shellpoint, they state that they are unable to do things ( like help us exit forbearance based on the CARES act ) because the Investor needs to approve. 

However, they are also stating that XXXX does not have anything to do with the loan besides owning it, and everything must go through them. 

It seems Shellpoint has created a situation where it is impossible for us, as borrowers. I can not work with them because XXXX has final say as the owner, but I can not talk to XXXX. 

I wonder whose call report or 9C this mortgage sits. Is it XXXX? If so they are bound by the banking regulations for originating it. 

If, instead, it was originated as an MBS or other securitized vehicle, the investor should not have any say into whether or not I am granted a forbearance, an extension to a forbearance, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: SC
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 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  SC XXXX ) # XXXX has violated my rights. 

( Original Creditor : ) # 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 non-monetary relief
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is not in an open status it is closed. I have asked Equifax to move this to closed status. THis account has been closed for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NJ
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 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 XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Below are the inaccurate accounts from my credit report : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 a fraud charge of {$71.00} posted to my Ally Bank checking account under the following name XXXX XXXX XXXXXXXX XXXX XXXX. I contacted Ally Bank about this charge and they issued a new debit card, but I have not yet received a reimbursement for {$71.00}. It seems that across social media, many Ally Bank customers are complaining of similar fraudulent charges and Ally Bank has not announced the degree to which there was a breach. As customers, we deserve to know what is going on with our money and quickly receive reimbursements for fraud charges.

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 2022-12-01
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I havebeen callingfor several months asking for an updateon my loss mitigation packet. I have requested the lossmit XXXX rep to contact a supervisor. I have requested an internal note be put in my file asking for a status update. I havebeen told ( in a recording ) my file would be completed by the end of theweek ( XXXX ), only to call back 6 days later and be told there is no record of anyone ever speaking to my processor. 

My take homeincomehas increased significantly. I submitted the updated paystub and it was not acknowledged as received. I resumed payments last month, and the loansolutioncenter shows no record of it. Naturally I am hesitant to continuesending money into the ether without any response, update or acknowledgement. 

PLEASE REPLY and provide an expectation of when my application will be reviewed and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citibank declined our mortage refinance application stating we had insufficient income for our total obligations and insufficient stability of income. During every step of the process, we provided every single document they requested including the most recent statement from XXXX from XXXX XXXX before the U.S. Government placed student loans on deferement. They stated that this statement along with my entire payment transaction history was not sufficient and used 1 % of my loan amount as my repayment to calculate my debt to income ratio. I consulted with my attorney and was able to obtain a letter from XXXX stating my repayment amount when repayment started in XXXX of XXXX. I sent this letter to Citibank on XX/XX/XXXX after they issued the adverse notice on XX/XX/XXXX. Not once did the underwriter ask for such a letter which could have easily proved the payment amount and kept our debt to income ratio in line for approval. We have kept all of the correspondence from citibank during this process and can prove that we submitted all the required documentation multiple times because of Citibank 's failure to appropriately organize our loan documents. In addition the insufficient stability of income is a completely unfounded claim. Citibank would not use one of my secondary sources of income through the XXXX XXXX where I have worked consistently for the past 4 years despite my providing tax documents from XXXX XXXX and having our loan officer confirm with the XXXX XXXX  that I am a regular Sunday employee. Neglecting to count the XXXX XXXX as income has reduced our monthly income by {$2200.00}. There is absolutely no reason for the underwriter to state that this is unstable income. 

Citibank reviewed the letter that I obtained from XXXX the day after they gave us an adverse notice and told us this Tuesday XX/XX/XXXX that our debt to income ratios were now in line and we could be approved for the refinance. Today XX/XX/XXXX we got a call from our loan officer and received notice that our debt to income ratios are still not in line because mortgage rates have increased and there is no guaranatee that my XXXX XXXX income will be counted. 

The inability for us to be approved for the refinance falls on Citibank because the underwriter did not do their job appropriately and ask for the correct documentation. I am not a lending expert and would not know that you can obtain a letter from XXXX  showing what a future payment would be. It is ridiculous that I had to contact an attorney for help with this. There is also severe bias in the fact that my XXXX XXXX income was not included when we provided more than sufficient evidence.

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