BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: TD BANK US HOLDING COMPANY
State: CO
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XX/XX/2020 and XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have had SEVERAL problems with Netspend. I close accounts. They never close them or refuse to send me a letter showing accounts were closed. I have had SEVERAL A HINDREDS of dollars in disputes. I have yet to get any credit returned. I am told so ething different every time I call. I am argued with lied to hung up on placed on hold for 3 hours sometimes. I am furious!!!

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 2021-01-15
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XX/XX/ 2020 and XXXX XXXX, 2020, AMEX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2015-05-13
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
US Bank/US Bank Home Mortgage has been unwilling to work with me to modify the terms of my home loan. I have consistently submitted all paperwork requested, all to no avail. They constantly lose the documents I send ; send correspondence from all over the United States ( oftentimes, not to me ) ; no one can give me a status, stating instead that I am in " underwriting. '' You often do not get to speak with the same individual so you are made to feel like you are running in circles. I have been dealing with their unprofessionalism and do not care attitude since XX/XX/XXXX. It should not take 5 years to do a simple loan modification. I have explained to them that we are upside down on our mortgage, I have been unemployed since XX/XX/XXXX, and that my husband is a United States Veteran. I still can not and have not received any relief or any clear indication of what exactly it is they need from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I lost my job due to Covid in XXXX of 2020 and entered the forbearance programs for a second mortgage, a primary mortgage, and two car loans all with different institutions. After obtaining a new job, the primary mortgage and car loans have been successfully removed from forbearance and I am current on payments. We have been attempting, since I believe XXXX of 2020, to resolve the forbearance on our second mortgage. Due to a sequence of missteps from the lending institution we have been unable to successfully resolve the situation. 

In theory the current state is that the mortgage is in review to append the current past due amount to the end of the loan. This was in theory sent to an underwriter on XX/XX/XXXX with a 30-45 day turnaround time. I spoke with the bank again on XX/XX/XXXX and they told me to call back in a week or two, bringing that review to up to 60 days. 

At this point I don't believe them because in previous conversations they claimed we were at the same state several times, and they claim that I turned down the modification. I did no such thing. I am concerned that they will again lose the current state and we will have to start all over again.

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 2021-01-15
Company: Preferred Finanical Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/14 I asked XXXX XXXX if interest rates have lowered again to make a refinance worth it. 

Before answering any questions he ran my credit. I did not authorize him to run my credit report. 

XXXX XXXX Mortgage Broker, Insurance Broker NMLS : XXXX - XXXX : XXXX - XXXX : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-03-26
Company: EQUIFAX, 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 status incorrect

Complaint:
I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX : XXXX The payment status is incorrect, please delete. 
XXXX XXXX : XXXX The account status is inaccurate, please delete. 

DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: MARINER FINANCE, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a loan and was informed that only 1 credit check was needed. I consented to that, however it was ran on the XXXX as well as XXXX of XXXX. The assistant manager ( XXXX, MD Office ) told me it was not ran twice, even though there are clearly 2 inquiries on my report. I was on the phone informing her that it definitely was and stated the addresses reflecting on both inquiries. It was one from there corporate office and one from their XXXX, MD office. Equifax also confirmed it was ran on those 2 days as it is reflected on my report. I simply want the additional inquiry removed. There should only be one inquiry from this company, which would be th XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Armada Corp.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit score and saw that there was a medical debt from 2019  on it from WA. I havent even lived in WA for over 2 years. 

I sent a letter through certified mail on the XXXX of XXXX to the collections agency requesting proof of the debt as well as more details and still have not received a response. I have a receipt showing when I sent the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: LA
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:
Equifax is in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Equifax is in violation of 15 USC 1681a ( o ) ( 5 ) ( A ) ( i ) which states that with respect to which the consumer who is the subject of the communication consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; Equifax never received consent from me, the consumer.

Equifax is in violation of 15 USC 1681a ( e ) which states that a consumer report which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. Equifax NEVER did such interviews with any neighbors, friends, etc.

Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Equifax has never received written instruction from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Reached out to companies making them aware of the incorrect information on my report, asked them to verify and update my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to financial difficulties borrower 's home was listed for sale in XXXX of XXXX. An offer to purchase the home was received on XXXX XXXX, XXXX. Bank of America as the servicer began to impose continuous requirements and waiting period hold and court authorizations prior to reviewing the borrower for a short sale which further delayed the transaction for a period of 8 months to the decline the offer after setting several requirements had to adhere to in order to be even considered for the short sale in which the borrower complied with. Bank of America than declined the short sale without a complete denial explanation, reason and due process of appeal as required by the HAMP guidelines. Bank of America requested a loan modification requested must be submitted prior to review of the short sale. The borrower was approved for an un-affordable loan modification which demonstrated more than 31 % of the borrowers gross income. Bank of America requested for the borrower to decline the offer in order to proceed with the short sale in XXXX. On XXXX/XXXX/XXXX a declination letter was sent to Bank Of America. On XXXX XXXX, XXXX Bank of America requested a Bankruptcy approval to proceed with the short sale. On XXXX XXXX, XXXX the bankruptcy court approved the sale of the subject property as Bank of America requested. Bank of America sent an eligibility letter on XXXX XXXX, XXXX. Bank of America than imposed another requirement for the borrower to wait 3 months for the trial plan period to expire ; although the offer is not valid after defaulting on the first trial plan payment. Bank of America did not allow the borrower to proceed with a short sale request until XXXX XXXX, XXXX. On XXXX XXXX, XXXX Bank of America denied the loan modification stating the Investor/Guarantor on your loan or your XXXX has declined the approval because it does not meet their requirements but would not disclose what requirements were not met and refused the borrower due process of an appeal after setting requirements and imposing conditions on the borrower to be met for a period of 8 month. By Bank of America delaying the process for 8 months which negatively affected the net present value results.

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 2016-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Initiated a mortgage application on XXXX XXXX, 2016 With Bank of America. 
Learned there was a problem on XXXX XXXX. 
Was verbally denied on XXXX XXXX. 
Selling realtor complained and asked that my case be escalated on XXXX XXXX. I agreed. Told I would not be charged for the appraisal. 
XXXX XXXX was told by a manager that my case would be reviewed and I would have an answer by COB XXXX XXXX or morning of XXXX XXXX. No answer either day. On XX/XX/XXXX, I asked if my mortgage had been accepted or denied. Again, verbally denied, but nothing in writing. This has precluded me from pursuing a superior lender. Horrible experience that wasted my time. I should have been denied up front, not weeks into the process.

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 2016-02-04
Company: Auto Trakk, LLC
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They call at least 20-30 times a day, using the following phone numbers : XXXX, XXXX, XXXX, XXXX, and never leave a message. This disturbs my work time often.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I applied for a payday loan of {$500.00}. It was given to me. Pandemic hit which hurt the entire world. Wasn't able to pay it back. Now I have a lady named XXXX XXXX calling me and my family members every day saying that there is a case being filed against me. I called the number she gave me back. Asked for XXXX XXXX, they replied there is not a XXXX XXXX that works here. Then presented to ask me for my personal information, as well as my debit information to pay an amount of court costs, fines and restitution of {$2900.00}. I of course didn't have the full amount and I wont. I now have gotten a call from my ex which is the mother of my first child, she tells me a constable and an officer are looking for me for warrants in XXXX county, which i have none, I checked. They now have been at her house two days in a row. I know this cant be legal. This is not how the law works.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed on our home with a BoA jumbo mortgage loan in XX/XX/XXXX. Approximately 6 months after our closing, the city sent us a notice saying that our taxes had not been paid. We contacted BoA and it was hard to get a hold of them. When we finally did get a hold of them, they assured us that they would take care of it. Now, 1.5 years after our closing, we received another notice from the city saying that our taxes are delinquent again. After speaking with the city tax assessor 's office, it seems that our taxes have never been paid in the last 1.5 years and our property is going up for auction if taxes are not paid by XX/XX/XXXX. 

We again contacted BoA, who assured us the payment would be sent by XX/XX/XXXX. They payment has not been received by the City Tax Assessor 's office. We received another document stating that our property will be going up for auction due to delinquent taxes.

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 2016-09-15
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello my name is XXXX XXXX I am contacting you about University Accounting Service ( UAS XXXX ). my school was shut down due to fraud which was XXXX College and now the private loan still wants their money even though the Federal Loan was dismissed and I was reimbursed {$1500.00} I feel that this might be fraud because they still want me to pay {$2000.00} towards the private loan I would appreciate if you can investigate this thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX 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