BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The terms of my mortgage refinance loan at closing were not the locked in rates of my application or what I was promised. I became aware of the changes when I reviewed my closing documents, there was no explanation prior to the date of signing.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: LA
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:
its been over a 1 year i sent in documents to Experian for the XXXX which is not vertify on my report by XXXX XXXX they stated that it is report as indentity therft should have been delected or remove from my credit report. I sent information with proof that bankrupcy was used with all my information from someone over seas and the company was a empty parking lot. i contacted the federal trade commission they complete a reveiw and found it appears that bankrupcy was not vertify.

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 2016-03-15
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It is now XXXX/XXXX/2016. As stated before, we were left no option but to do a died in lieu with BSI. We have lost our home of 18 years even after being able to provide proof of sufficient income to make payments if the loan were to have been modified. We did everything we could to save our home. BSI has been the most unprofessional company we have ever worked with. Im asking you to please review all records, phone calls and proof of income. I have kept and printed off all emails. The number of staff and representatives we went through in this horrible process. We ended up in contact with the CEO of BSI. With all of this being said, we have turned over all contact via email and mail and phone calls to our attorney. We are going forward with a law suit as this loan has been so mishandled and ended up in my family being homeless. This has also been reported to the housing authority, HUD, and XXXX. Its a shame that this company remains in business. Please take the time to review, research and investigate how loans are being handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted my mortgage company now XXXX times to request an assistance packet. XXXX by phone and XXXX via there online " contact us ''. In my initial call to my servicer, I was told by a collector that I am a first payment default and that this was worse than a bankruptcy on my credit. He proceeded to tell me that a modification in NOT an option. My loan is not even a first payment default. The XXXX time I called I was again quoted a 24hr turnaround time to receive the packet. Which as of this date, I still DO not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BOK FINANCIAL CORP
State: OK
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for home loan to purchase a home in XXXX 2016, was sent a pre approval letter. Submitted all required documentation as requested, as well as paid for appraisal. Was told multiple times that all looked good for XX/XX/XXXX closing. Was continually asked to resubmit documentation, which I did. 
Received a call 2 days before closing stating that our loan was denied, due to the fact that we paid rent with cash for four years to the same landlord. 
The landlord had provided 6+ months of rent receipts as well as a letter stating, that we paid cash each month, landlord also filled out BOK form sent to her stating the same. XXXX XXXX, the contact at XXXX that I was working with was very condescending from the get go and only got ruder as time went on as if she did not want to have anything to do with us. 
Fast forward to XXXX 2016, we have gone on to speak with a different mortgage company and repeated the drill, providing documentation, etc. 
they as well as I have requested the appraisal be transferred to them from BOK and XXXX XXXX refuses to do so. So we are now having to pay for another appraisal on the same property that was just appraised XX/XX/XXXX. 
Of note when I was unable to get XXXX XXXX to transfer the appraisal and my husband called to request the same, XXXX XXXX was extremely rude, condescending and in fact hung up on my husband.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Unfair, deceptive, and abusive sales practices. Formal complaint against Ally Financial and XXXX XXXX XXXX. - I purchased a XXXX XXXX XXXX on XX/XX/2016 at XXXX XXXX XXXX in XXXX, Florida 5 days after the death of my mother. The dealer and the bank took advantage of my vulnerable state of mind and sold/financed a vehicle that has an existing lien from the prior owner without providing me with this information. The dealer showed me a clean XXXX report demonstrating the vehicle had no reported accidents, but neither Ally Financial, nor the dealer advised me that the vehicle could not be legally sold to me while it has an outstanding lien from the prior owner. At the time of purchase, I paid {$4000.00} down and financed the remaining balance of {$23000.00} with Ally Financial ( account XXXX ). At the time of purchase the dealer was unable to provide a registration for the vehicle ; I was advised that I could use my expired tag that I was transferring to the vehicle until the DMV sent me the registration within 30 days. Subsequently, after making multiple complaints, the dealer provided me with a dealer tag to use on the vehicle that I had purchased, yet still failed to explain what the issue was with the registration for the vehicle. On XX/XX/2016, I received a call from the dealer informing me that I needed to contact XXXX XXXX because they have an insurance hold on the vehicle for an existing lien. During the conversation, I learned that the lien is for the prior owner of the vehicle. On XX/XX/2016, I contacted Ally Financial to make a complaint of this unfair, deceptive, and abusive act that involves the dealer as well as the bank. The dealer illegally sold me a vehicle with an existing lien, and Ally Financial proceeded to finance the vehicle and received payment for a vehicle in which they have no rights to. I also ran a XXXX report, and verified that the vehicle ( Title # XXXX, VIN # XXXX ) was registered as a personal vehicle with a loan or lien reported on XX/XX/2016. I have already invested {$5400.00}, and suffered a major impact to my credit score from the excessive hard inquiries, yet I am still not the rightful owne, nor would I be able to make any other major purchases at this time based on how this has impacted my credit score. I would ask that the CFPB intervene in this matter on my behalf. Thank you in advance for your assistance with this matter.

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 2022-10-18
Company: EQUIFAX, 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 ( FCRA ) these creditors have violated my rights for these accounts 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 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I opened up an investigation with ChexSystems regarding XXXX XXXX XXXX. They opened the investigation, and I was told they had up to XXXX days to respond. The credit union did not respond in time, and the item was deleted from the file. I received a letter from ChexSystems stating that the source has certified that reported item is accurate, therefore the it has been reinserted into my consumer file. I contacted ChexSystems and they informed me that the financial institution has XXXX days to submit certification. They never told me that information when the initial investigation was started. As a consumer I should have been advised of an accurate time frame. The credit union had XXXX days by law to verify the accuracy of the information that was being disputed. They failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We financed a new built home XXXX years ago with Bank of Texas XXXX id number XXXX out of XXXX Texas. The closing was a nightmare. We had gone to close XXXX different times. The closing cost increased and increased as we were told by the loan officer to sell XXXX ours cars and it would increase our credit score. We did this and it lowered our credit score by XXXX points which put us in a different bracket so we had to come up with more money. We ended up staying in a hotel for XXXX weeks with XXXX dogs costing over {$1500.00}. The loan officer said he would pay for all expenses for the hotel. He only gave us {$500.00}. So we were out the other {$1000.00}. XXXX years later I get a bill from Bank of Texas for XXXX stating that I owe them in back escrow that they have been collecting for. My husband and I are now going from a {$2600.00} payment per month to a {$3400.00} payment per month due to this so called " miss communication '' We are devastated about this large of a payment as I was let go from XXXX and was making XXXX per year. I am now working XXXX only making {$12.00} per hour.

Company response to consumer: Closed
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Im missing a credit card that should be on my credit profile it is on my husbands credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. Its missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by 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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  IN 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2017-05-01
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Company nev er validated/ Verified account and is in direct violation of FCRA, FDCPA and federal and State consumer p rotection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to TransUnion. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to TransUnion, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with TransUnion three times and submitted proof of settlement and payment, but TransUnion refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to TransUnion three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that TransUnion must change the credit report status from " charge off '' to " paid '' or " settlement. ''

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 ( FCRA ) these creditors have violated my rights for these accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ XXXX. XXXX ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-10-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I sent in a response letter to Toyota Motor Credit in response to my consumer complaint. After looking over my consumer report I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt become null and void. 

Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued hereunder, other wise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Hi, on XXXX XXXX 2016 I purchased a XXXX XXXX pre-paid card at XXXX. I opened the package to find the card was clearly tampered with and when I checked my balance instead of {$500.00} there was XXXX and a transaction by someone else for the rest. I followed XXXX procedures and submitted a receipt, my drivers license, and pictures of the gift card. They promised to get back to me in 4-6 weeks. Its been four months and every time I call they say " its processing ''. They have my {$500.00} hostage and I really hope you can help! 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was left a message on my desk by my assistant, she explained to me that this person keeps calling the office repeated - ( Photos taking from previous dates they have called ) I do not owe any monies nor did I give Any one permission to sell, trade, buy, lease, rent to own, my personal information. This is harassments calling my place of employment. This is a violation of my consumer rights. 

As of today XXXX this illegal, unprofessional, harassments can potentially effect my employment status. 

My personal business ( via true or false ) with constant calls has literally caused character defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: AZ
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 ( FCRA ) these creditors have violated my rights for these accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I recently applied for a XXXX XXXX product, a checking account. I was informed that I did not meet the expectations, hence declined. I assumed that as a result of this inquiry my credit card company has usage imposed restrictions on my credit card ( longer holds, etc. ). Nonetheless, I was told I had a right to know what my credit report had that I was not aware. The agency they reference in the letter was Checksystems. My experience in the past was very negative. I requested a report about three months ago and never received such request. I wondered what is being reported since I was rejected. This is not the first time I have encounter rejections referencing information on consumer report. I have filed previous situations with this agency about them.

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