BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Subject : Financial Impact and mental stress due to Mortgage Closing process of Fifth Third bank This is regarding closing my new house with Fifth Third Bank on XX/XX/2022. 
Loan number has not been generated yet. File # XXXX Summary of Events with Dates. Email Evidence for proof attached XX/XX/2022 : Extended rate lock with Fifth Third for 6 months with expected home delivery of XX/XX/2022 Paid 0.5 % of loan as extended rate lock fee + XXXX application fee XX/XX/2022 : Builder informed house wont be ready till XX/XX/2022 1st week. Informed Fifth Third XX/XX/2022 : The builder provided a closing Date of XX/XX/2022 with a Home Orientation date of XX/XX/XXXX and a Home delivery date of XX/XX/XXXX. Informed Fifth Third Bank. 
Fifth Third bank rep notified 0.125 % extension points will be charged for every week of extension beyond XX/XX/XXXX. Based on XX/XX/XXXX closing date, that would be 0.125 % * 3 for3 weeks of extension to cover till XX/XX/XXXX. 
XX/XX/2022 : Continuous feedback was done by me to Fifth Third on various milestones done in XXXX Home inspection completed on XX/XX/XXXX with minor issues Home Orientation completion on XX/XX/XXXX was updated. 
Final Closing Disclosures were not provided till the morning of XX/XX/XXXX. At this point, Fifth Third mentioned that XX/XX/XXXX date can not be met since the appraisal came in late. 

It was Fifth Thirds responsibility to understand the timelines of Third Party appraisers they work with and order appraisals on time to meet the closing date. 

The closing date was moved deliberately to XX/XX/XXXX and one extra week of extension fees was again charged by Bank for incompetence by Bank to meet dates that were given more than a month in advance. 
They still did not meet that date and moved to XX/XX/XXXX morning and then XX/XX/XXXX afternoon. 

This resulted in XXXX + dollars in extension fees and builders charge of an additional XXXX for 7 days of delay in closing ( XXXX $ per day ) Closing to XXXX $ extra for closing to customer without a single fault of Customer in addition to causing mental stress of gathering extra money to close at last moment that was set aside for purchasing stuff for new house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO UPDATE MY CREDIT REPORT WITH THE CORRECT INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE FOLLOWING CHARGES ON MY CREDIT REPORT. ALL CORRECT INFORMATION FOR ALL 3 CREDIT REPORTS ARE SUPPOSED TO BE 100 % ACCURATE. THE INFORMATION IS INCORRECT. TO PROTECT MY ACCOUNT I INCLUDED THE ACCOUNT, DATES, AMOUNTS OF THE IDENTITY THEFT OR INCORRECT INFORMATION. ALL CREDITORS LISTED ARE RESPONSIBLE FOR UPDATING MY FILE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fair Collections and outsoucing is reporting a debt for XXXXFair Collection and outsourcing did not provide any signed contract .When a debt validation letter was requested all they sent was a ledger with charges. I am asking that Fair Collections and outsourcing please provide validation indicating that I owe the debt, a signed contract and details on why I owe the debt.

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 2022-07-01
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Fay Servicing in XXXX of this year. Fay servicing then sent me an escrow analysis in XXXX letting me know my payment amount would decrease to XXXX starting with the XXXX payment. I have made XXXX and XXXX payments to Fay servicing. The XXXX statement that I was given dated XX/XX/22 also states my payment for XXXX is XXXX. I log on regularly to check so I know that Less then 2 days before XX/XX/XXXX, Fay Servicing has increased the payment amount due for XXXX to XXXX. An increase of XXXX. They have given no explanation and no notice. They have not provided a payment breakdown or a revised escrow analysis. Based on the escrow analysis and the billing statement provided to me in XXXX I have budgeted accordingly and now I am not able to make the new payment. 

I am and have been aware of the mistake Fay Servicing made when completing the escrow analysis and the reasons why the payment is increasing. I have logged on almost every day to see when this error would be corrected and when they would notify me of any changes. I would like Fay servicing to explain the mistake that they made in the response to this complaint and why they changed the payment less then two days before it was due without any notice to me. I would also like a solution given I am not able to make the new payment since Fay servicing has failed in every possible way of doing the one job they are there to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Incomm Holdings Inc.
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchase a prepaid XXXX at XXXX and the receipt stated that it was authorized. My son went to use it and it was n't authorized. I called XXXX and so far it has taken 72 hours and I still do n't have the money or an authorized card. I sent a copy of the receipt, a picture of the card, and my driver 's license ( as requested ). They are telling me that it is in compliance and that they are unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Opportunity Financial, LLC
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 paid in full my loan amount. They are arguing I didn't pay. I paid XXXX on a XXXX dollar loan in less than 4 months from getting the loan with opploans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


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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 2022-07-01
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
As Yamaha Motor Finance mentioned in In CFPB Complaint ID XXXX CFPB Complaint ID XXXX. 

Yamaha Motor Finance stated the account is 599 days past due with a balance of {$13000.00}. 

This is in fact a violation of 12 CFR 1026.13 ( 2 ) - Billing error resolution. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 

As it evident, Yamaha Motor Finance is currently furnishing such amount of {$13000.00} past due is a violation of Federal Law. 

Reporting delinquencys, collections/charge offs is NOT a requirement as Yamaha Motor Finance consistently mentioning is required to report accurate and complete intormation to the credit bureaus under what lawful authority is stated to furnish charge off and collections? Because I just pursuant Yamaha to the law where it clearly says you should not furnish such. 

The only way I see to resolve this issue is to take Yamaha Motor Finance to Federal Court. 

I refuse to go back and forth and these agents ignorant of the law, and violating my rights, and insulting my intelligence is going to cause the CEO and CFO to be prosecuted all because of their agents is ignorant of the law and consistently fails to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
To start off, I applied for a personal loan of {$3500.00} on XX/XX/2022. This was an emergency loan because financials were tight for the time being and I needed some funds to cover me for a while. I was well aware of APR % and I was comfortable with it. I got prequalified and signed the agreement. They requested the necessary documents, which I have sent the very same day. Then I received an email stating to email my employer information ( name, address, number and occupation ). I already that information in my online account but, I emailed it anyway. I didnt email anything that would jeopardize my own identity and security. 

The next day, precisely in the morning, on XX/XX/2022, I then receive an email asking for recent bank statements. I sent those documents. I emailed customer service because for some reason, I am not given the option to speak to someone directly. Hours pass by and I received no responses. I emailed them asking if there are any other documents that are needed to further the loan processing further. No response. Instead Im getting multiple emails from two different addresses asking for my employer information again and again. Which is kind of weird and skeptical because what loan lending company sends from two different email addresses. They also asked me to email my bank statements when theyre already uploaded on my online account. For identity and security, it is clearly NOT safe to email bank statements when youre receiving emails from two different addresses, supposedly associated with the same company. So I didnt send anything else after that. Im currently waiting for responses or ANYTHING at this point.

However, prior to these repetitive emails, I also received an email saying my documents were received and will be sent to the loan processing team. Some time passes by and no response from any of the emails I sent to customer service. I sent one final email stating I would like my application declined because I do not want to do business this company ( Net Credit ). 

There is no customer service and I have doubts of the security and professionalism. Also reading from past reviews from previous customers, it seems they also have had the same issue. I would be very displeased for my credit to be ran and dropped more than XXXX points after not getting any responses after my application deadline all because of this non-responsive and unreliable company. 

I have done loans with other lenders and it was always a smooth process and same day funding. And also always someone to talk to. Responses were QUICK!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been trying to call through to make a payment for over a month now. Apparently there is an outrage with their phone systems that's been ongoing for weeks. I don't have an online account set up for payments and I can not create one because I don't have my account number. I've been trying to call every number I can possibly find to obtain that info I need. Their hold times are ridiculous just to get hung up on after 30+ minutes. I'm reading other complaints of people who can not get into their online payment portals. There's other complaints of fraudulent charges, late fees and negative credit reporting. I have great credit and want to keep it that way. Their lack of communication with their customers is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
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:
In according with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C. 1681. 
1 ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX, XXXX # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXXXXXX XXXX # XXXX ( identity theft ) Has Violated my rights.

*15 U.S.C . 1681 Section 602 A. : States I have the rights 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.

*15 U.S.C . 1681c ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following. Any other item of information other than records of convictions of crimes which antedates the report by more than seven years.

*15 U.S.C . 1681 ( s ) 2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any credit reporting agency, if the person knows the information 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Firstly, this outfit never has funds available for purchase ON TIME for classes. I wont use their card because they fleece students with surcharges and such. Some professors are not malleable. This outfit preys on students. They make enough money elsewhere.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 the following accounts have violated my rights. 
U S DEPT OF EDXXXX Account # : XXXX US DEPARTMENT OF EDU Account # : XXXX US DEPT ED Account # : XXXX DEPTEDXXXX Account # : XXXX 15 U.S. Code 1681 section 602 A. States that I have the right to privacy 15 U.S. Code 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code 1692cWithout the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt violated via phone call on a XX/XX/2022

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 2017-09-28
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Lexington law charged me twice at XXXX and still has provided no results in 2016 had service. I beieve in XX/XX/XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted the consumer reporting agency informing them that they are reporting inaccurate information and to have the information deleted. I have been trying to get this information removed for the past 4-6 months with little to no resolution. I haven't gotten any information in regards of the dispute. The only thing i see on my consumer report is that they " UPDATED '' the information but nothing was ever removed and/or continued to be inaccurate. They have also failed to do a proper investigation and resolve the issue. 
I do understand that anything that reports to my consumer report is suppose to be 100 % accurate and 100 % verifiable. Failing to do so and knowingly failing to do so is a complete violation of the FCRA. This is also a false representation of my character, this has prevented me from being able to properly use my credit for any simple credit application do to the negligence of the consumer reporting agency. I will pursue for any damages that this has caused me in the last few months. I was also told that they couldn't verify my identity, yet i sent in copy of my ID, SS CARD & PROOF OF ADDRESS! 

PLEASE REMOVE THIS INACCURATE INFORMATION. 

ALL XXXX consumer reporting agencies are reporting inaccurate : Last day reported Date last active date of last payment high credit limit Reporting inaccurate late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-12-01
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A business check issued to another party on XX/XX/XXXX and posted on XX/XX/XXXX was altered fraudulently, and funds were deducted from my checking account. 
The original check of {$170.00} was payable to XXXX Montana XXXX, and altered to {$920.00} payable to XXXX XXXX XXXX. 

The fraudulent check was discovered the following month in XXXX of XXXX and National Bank of Arizona was notified. I met with XXXX XXXX XXXX & completed a form at their branch office to attest to the altered check. I provided the original check stub, a copy of the front & back of the check, and a police report. 

I was told that that National Bank of Arizona would be contacting the banking institution that deposited the funds, and that it may take up to 90 days to process and resolve the claim. I have continued to reach out to XXXX at National Bank of Arizona, usually twice a month to get updates. The response has generally been the same, saying that they are working with the other bank. I have asked if I could speak with someone at the other bank regarding my funds, and told that the information is not given out to individuals. 

Thank you for your assistance, 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 monetary relief