BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: RevMD Partners, LLC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2021 I contacted Flagstar bank to refinance my loan. My income has reduced recently. A new mortgage with the low rates that are offered right now would reduce my payment to an affordable amount for me. I spoke with a XXXX. I was at work and did not have documents in front of me so I recited to him what I could remember about my income. He determined my debt by my credit report. He came up with a debt to income of 94 %! I knew something had to be wrong with this amount but he wasn't very clear about how he came up with that percentage ( He most likely counted my recently refinance truck 2x because its on my credit report 2x until the old company drops it off of my report ). I told XXXX that didn't seem correct. My debt to income IS the reason I need to refinance but it's not that bad. He repeated that he couldn't help me and we hung up. 
Since then I have called twice asking to speak to someone about refinancing because something needs to be done, soon. I've been transferred to a message machine, I've been told an email was sent out to XXXX to reopen the application ( I have copies of email ), I've emailed XXXX, all to no avail. No one from my lender will discuss what I can do. 
Then, on XX/XX/2021 I received a letter from my lender that they are raising my mortgage payment by {$100.00}. The same mortgage they couldn't refinance because my debt to income was not good enough they have just made worse. I called in XXXX I believe to ask for the PMI ( mortgage insurance ) could be removed and was told with my loan it can never be removed. 
Something needs to give here. My lender won't answer my emails, won't return my calls, won't communicate with me. I have never been late on my mortgage or anything else, I've never missed a mortgage payment or anything else, I have an excellent credit score of XXXX. I need my lender to work with me here before a problem starts like a missed payment which would lead to foreclosure problems. Anything besides this ignoring me would help. 
Thank You for your time. 
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 explanation
Consumer complaint received 2017-06-18
Company: Experian Information Solutions Inc.
State: MD
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:
My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  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 explanation
Consumer complaint received 2019-12-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2019 I spoke to XXXX XXXX about an SBA Loan or LOC and to start sending all the application process. He told me he would talk to XXXX XXXX an SBA Officer in charge of the application process. I would have to speak to her about the process and anything needed. 
On XX/XX/XXXX at XXXX XXXX, we had the phone call and discussed everything about the application. They were asking things that should not even be asked for any loan.i submitted all the documentation ASAP for them to review, then did it again, for extra documentation, without any excuse for doing this. I just had the impression of they asking a lot for me not to apply for the loan. Then the underwriting department ruled me out, and they do not even have a way of saying why not since I have everything in order. They ruled me out using standards used for regular loans instead of SBA loans which is money to help Small Businesses like mine, but it is used only for millionaires, people with money or I do not know what is the base standard, but to discriminatory. Since I'm XXXX and the business is located in a poor community. Nothing else they are actually looking for. 
The discriminatory policies on this bank and the way they used federal back loan money are being used not how is intended to be done. I have tried to talk even to the CEO and the executives alert them about this and it is impossible to do.

Please check this out and let me know.

They make me lose money and time, just to have me denied due to their discriminatory policies.

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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Information on my credit report is inaccurate

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 2019-03-23
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am a North Carolina Resident and I believe I'm a victim of Mortgage fraud. In XXXX of XXXX, I applied for a Mortgage loan with NationStar Mortgage. I requested a Conventional loan, but was told by the loan officer that the Conventional loan would not benefit me, so he assigned me to an FHA loan. The process was very messy and took approximately 7months to close. 

I finally closed on XX/XX/XXXX. At closing, I made a down payment of {$100000.00} ( which was approximately 33 % of purchase price ). The purchase price was {$310000.00}. At closing, I had to pay {$3700.00} in upfront FHA fees and to date, I'm paying $ XXXX/month for MIP fees. I was told by Nationstar that I could not use the {$5000.00} earnest money payment I had made as part of the downpayment, so I brought an additional {$5000.00} to closing. I thought that if I put 20 % or more down on a purchase, I could avoid those FHA fees. 

Last year, I consulted with my Closing Attorney because all along, I felt like NationStar committed fraud against me. The Attorney told me that they handled my loan with unethical practices and that I could pursue a lawsuit against them, but it would be costly. I do not have the money, time or energy to pursue a court case against NationStar, so I'm filing this complaint in hopes of some type of restitution. 

Beginning on XX/XX/XXXX, NationStar is increasing my mortgage payment from {$1200.00} to {$1700.00}, which is an increase of {$470.00} per month. 
I am out of work on XXXX, battling XXXX XXXX and can not afford this increase, as I'm only receiving 65 % of my pay. I reached out to NationStar to resolve this issue, but to no avail was not able to resolve it. 

PLEASE HELP ME RESOLVE THIS ISSUE. 

THANK-YOU!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At the time that I received this bail bond I was making payments for about a year but ended up losing my job and was having financial hardship to keep on making payments. If I can please have this removed It will help me get back on track to a fresh start since this is the only thing I have on collections. I am trying to apply to get a car out to get to work since I need a car and better credit to be able to get one 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 2022-09-09
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 NO AZ XXXX, # XXXX XXXX XXXX, # XXXX XXXX  XXXX, # XXXX XXXX  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 2022-09-09
Company: Paypal Holdings, Inc
State: MS
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:
Money was taken out of my account on XX/XX/2022 by a XXXX XXXX XXXX for XXXX dollars traction id # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-18
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Account ending in ...  XXXX  has a balance of  XXXX  dollars. My full name is  XXXX   XXXX , my last  four  of my social are  XXXX , my security key on my account is  XXXX  ( where is I was born ). I have a balance of  XXXX  dollars and it is incorrect! I wrote a letter to AE fraud department but you never credited me the fraud charges!     First of all where does this  XXXX  dollar balance even come from? Everything on my account after    XXXX    2016    was fraud. So If you have not credited me anything since  XXXX   2016 , please apply the credits, if you do then you will see that I have NO balance on my account because after  XXXX , i have had  XXXX  dollar balances and I have NEVER used m y American Express ca rd since then at all. In fact I should have some credit balance.     Also, the following are few charges I have not received credits for though I sent you the statements in the mail with the charges circled about 10 days ago ( the statement is also attached in this message through CFPB ) :  1.   XXXX / XXXX / 16   XXXX   XXXX   XXXX   XXXX  MD {$44.00}  2 .  XXXX / XXXX /    16    XXXX   XXXX   XXXX  TX {$210.00}  3.   XXXX / XXXX / 16    XXXX   XXXX   XXXX   XXXX   {$0.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2022, I sent TransUnion a notice that there'd been unauthorized, inaccurate accounts being furnished to my consumer report and demanded them to be verified or deleted immediately. 

To date, I have not heard about any specific action taken by TransUnion regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

I understand the statutory time period of thirty ( 30 ) days for verification of items on a consumer report however, the FCRA also includes what should be excluded from a consumer report. Therefore, no investigation is needed, nor should it take 30 days to correct the information provided. 

TransUnion has not complied with the Fair Credit Reporting Act by not deleting the disputed items from my consumer report. 

This is a permissible request for TransUnion to act as an agent and correct their misleading information. 

They are committing identity theft by furnishing information without my written consent, violations, deprivation of my privacy, and causing me defamation of character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18
Company: EQUIFAX, INC.
State: SC
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:
Upon pulling and reviewing my credit reports I closed my account with  XXXX  Bank  XXXX   2017   (   XXXX  CREDIT CARD ) when I viewed an alert it shows  XXXX  discrepancies on my individual reports.  XXXX   XXXX  Reported that I was 30 days late in  XXXX   2017  but current  XXXX  and    XXXX    2017    with Equifax. My  XXXX  report shows CURRENT  XXXX  but late  XXXX  and  XXXX     2017  on my payments. This is clearly an error and very damaging to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon pulling and reviewing my credit reports I closed my account with    XXXX   XXXX      XXXX   XXXX   (  XXXX  CREDIT CARD ) when I viewed an alert it shows two discrepancies on my individual reports.   XXXX   XXXX   Reported that I was 30 days late in   XXXX   XXXX   but current XX/XX/XXXX and   XXXX   XXXX   with  XXXX . My Transunion report shows CURRENT XX/XX/XXXX  but late XX/XX/XXXX  and   XXXX   XXXX   on my payments. This is clearly an error and very damaging to my credit history.

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 2022-09-09
Company: Westlake Services, LLC
State: GA
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:
INQUIRIES ON REPORT THAT ARE NOT CORRECT

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 2022-09-09
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original loan was with XXXX XXXX. I was very happy with them for years. 
They sold my mortgage to The Money Source in XX/XX/XXXX. I received letters telling me to create an online account, which I did. I was told my XXXX payment was to be sent to the new servicer. I sent my new payment via online bank with the new loan number. It was accepted and I did not seem to have a problem. 
I sent my second payment on XX/XX/XXXX via online banking for my payment due XX/XX/XXXX. 
On XX/XX/XXXX I was informed by my bank that the payment was returned from The Monday Source ( TMS. ) I called TMS and after XXXX phone calls with individuals that just kept telling me to " call back tomorrow. ''????, I finally got a hold of someone who explained that my mortgage was not yet set up and that's why the payment was returned. This made NO sense to me, as they had accepted my XXXX payment! She said to try again the next day because she had sent a notice in to have the correct department get it set up for payments. 
XX/XX/XXXX, I re-send my payment from my bank to TMS. I checked my online TMS account daily to watch for the payment to hit. I have NEVER been late on a mortgage payment and am not happy this was showing as late. 
XX/XX/XXXX I receive an email from TMS that my payment is late!!! 
I was livid. I called and spoke to a woman who said I never sent a payment that got returned. I have PROOF from my bank that it was sent and returned. She them told me once again that my account was not set up and that my payment was probably in the process of being returned and that's why it was not showing up. 
I asked to speak to a supervisor and was out on hold, after a time I was told supervisor would call me back after he got off current call. 
It has now been 3 hours - no call from anyone at TMS. 
This is RIDICULOUS - I just want to pay my mortgage!!! If my late payment is reported to any credit institution, I have documentation and will bring a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Bread Financial Holdings, Inc.
State: IA
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:
XXXX ( comenity bank ) had an update to their system and they said that they would not charge late fees, or report to the credit bureaus. They charged me a late fee which caused me to go over the limit and they reported it to the credit bureau. They have not updated my credit bureau since XXXX of XXXX so it is showing that I'm over the credit limit .... I'm beyond done with comenity because they are just ruining my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with citi. They have seized my money in my account and said they are investigating me. They have not provided cause for my investigation and they are withholding my money and ability to close my account. I need my money to live and can not afford to have it taken from me for 30-60days or indefinitely. Id like my money back immediately and a full apology. It seems that opening an account with a large amount will cause Citi to just take your funds and investigate you without explanation. And as a XXXX male I dont appreciate the additional oversights and hard investigations without cause

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 2021-05-11
Company: Experian Information Solutions Inc.
State: AL
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 several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pinna cle LLC c/o  Resurgent Capital Services is a debt collector for  XXXX   XXXX . They have never sent me any invoice bearing my signature that I initiated a contract with them for this service they are trying to collect on. I am a current customer of  XXXX   XXXX  and at no time have I ever been informed that I am being held responsible for a debt in the amount of {$980.00}. I have sent certified letters to this company asking for them to verify this debt by sending me a copy of the original agreement or contract bearing my signature that binds me to this debt. In resp onse Pinnacle has sent me copies of phone bills but no contract. According to the FDCPA, a debt that is accrued without a binding contract bearing one 's signature can not be reported to credit bureaus as accu rate information. So therefore Pinnacle LLC is breaking the law by reporting this inaccurate information and the credit bureaus need to be aware of these fraudulent activities because they are also breaking the law by having false information being reported according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SYNCHRONY FINANCIAL
State: MI
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:
I placed an order for a keyboard from XXXX, unfortunately I did not see that it was a XXXX vendor, which I avoid for reasons like this. I received a broken bag of plastic, so I started the return process with XXXX but the seller refused the return and offered me XXXX of what I spent as a " refund ''. Because XXXX will not step in in time, and I did not want to have to pay for this and then wait over a month for a refund check, I filed a dispute with PayPal Synchrony. Their process forced me to FAX the dispute. I faxed it and they received it yet still showed that I owe that amount. I called their support line and despite letting them know I am a XXXX  American and that the XXXX clearly does not allow a company to show one thing and say another, they insisted I do not owe the money shown on my online statement, thereby giving me mixed messages and discriminating against my protected status.

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