BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: BSI Financial Holdings, Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mother owns the home. Got behind due to Covid lost job. My dad lost life to XXXX. My moms house defaulted as a result. We were told we were protected by the moratorium in place. When I went to sign closing docs they added {$33000.00} in unpaid fees and interest and {$10000.00} in penalties. The bank statement itself says we owe {$15000.00} to be current. I was told they are violating regulation Z by Legal Aid of Nevada. BSI Financial Services also told me the moratorium does not apply to them they are private investors. They said they will not reduce any of the fees. Even though we were effected by the pandemic. The fees are compounded at 18 %. Also when my parents signed they were not aware of what they were signing my dad had XXXX, is a veteran and they were both XXXX and XXXX at time of signing. I want to resolve this as quick as possible. If they will honor what it says on their bank statement of {$15000.00} I will agree to pay that. Id like the prepayment penalty waived due to extenuating circumstances beyond our control. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Santander Consumer USA Holdings Inc.
State: MA
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:
CHRYSLER CAPITAL IS REPORTING FALSE LATE PAYMENTS. I HAVE BEEN DISPUTING ONLINE AND I HAVE SENT LETTERS FROM XXXX XXXX XXXX. I AM NOT SATISFIED WITH THE RESULTS OF THERE FINDING. I KNOW THAT THE PAYMENTS WERE MADE ON TIME. THE DATES I AM DISPUTING ARE XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XX/XX/2021. I RECEIVE A CALL FROM CHRYLER CAPITAL THE LAST WEEK OF XXXX AND THEY STATED THAT THEY WOULD DO A XXXX DAY THOROUGH INVESTIGATION OF MY LOAN. I RECEIVE A CALL BACK FROM THE COMPANY ON XX/XX/XXXX AND THEY STATED THERE FINDINGS WAS CORRECT AND THEY WOULD NOT BE ABLE TO PROVIDE ME A DOCUMENT OF THERE INVESTIGATIVE WORK. ACCORDING TO FCRA THEY ARE SUPPOSE TO PROVIDE ME A COPY OF WHAT THEY " INVESTIGATED '' CHRYSLER CAPITAL IS PRACTING FRAUD BEHAVIOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education or Federal Loan Servicing Credit. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.

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 2016-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.

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 2016-03-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian refused to provide my free annual credit report. I complained after I received the refusal letter. I got a second letter. In order to complain to Experian directly one needs to have the report in-hand. Without it there is no resolution to be had. The second refusal letter falsely states " The address you provided has never been reported to us. '' This is a lie. And I can prove it. I want my free report. No more letters of refusal. My address is the same one Experian has had since 1981. It has never changed. Same one they mailed both refusal letters to.

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 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a contract payroll check on XXXX/XXXX/2016 at a local Bank of America branch. The teller indicated that a hold would be placed on the check since my account was overdrawn due to a bank error that I filed in another CPFB complaint. More on that later. The funds would be available on XXXX/XXXX/2016 after XXXX. according to the teller and the deposit slip I received. The next day I received a call regarding my other CPFB complaint. I returned the call and left a message. Today on XXXX/XXXX/16 the CPFB complaint was resolved and the fees I was assessed for a debit charges that were label 'recurring ' when in reality they were not were reversed. I was happy with that outcome. The bank fixed the error. Subsequently, I went to check on the status of my funds because I was told they would be available today and so did the deposit slip I received. I chatted with an online customer service representative. She indicated that funds would be placed on an extended hold because the payroll check from a XXXX was likely to bounce. I asked what specific information that the bank received to put an extended hold on the check and she told me that it was automated and she could n't do anything about it. Additionally, I asked if I could get the check back and she said because it was in processing that I could not. I asked my employer if the check had a possibility to return and they said that there was no way that the check would bounce. The check is basically coming from a quasi-governmental agency. Additionally, the extended hold will last until XXXX. Bank of America said they only process information during business days. Additionally, the bank will not let any of the funds released because I am in the negative, which as was already stated was their fault and fees were reversed. I talked with XXXX different representatives on the phone and online and the bank could not give me a clear answer as to why suddenly the check was placed on an extended hold. The bank did not notify me of this extended hold. Thankfully, I chatted online and called customer service. I have reason to believe that Bank of America retaliated against me for filing a report with the CPFB by placing an additional hold on payroll funds. Moreover, this caused great harm to my financial situation because I ca n't pay my rent and I ca n't even buy groceries. There should be a mechanism where I can receive the supposedly " bad '' check so that I can cash it at XXXX or another place. Bank of America is basically holding my funds hostage in retaliation for filing a valid complaint against the labeling of XXXX charges as 'recurring ' charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated, automated telephone calls between 5 and 10 times a day. They were verbally instructed to stop calling, but the harassment has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: HOMESTEAD FUNDING CORPORATION
State: NY
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/21, I contacted XXXX XXXX with Homestead Funding ( XXXX ) by phone to inquire about interest rates to refinance my mortgage. I was very specific that I was in the process of comparing rates with banks and closing cost fees. I provided him my credit score that I had run through XXXX  on XX/XX/21. He collected all of my contact and personal information and said he would send an email with the rates and terms he could offer. 

A couple hours later I received an email from his secretary/assistant ( XXXX XXXX ) with a lengthy list of items that they wanted to me submit, including drivers license, SS card, past 2 years of W2 's, income taxes, 2 months of bank statements and pay stubs, etc. I emailed the assistant and XXXX reiterating I was only looking to compare rates and closing costs if I were to pursue a loan with Homestead Funding ... .and did not think that information was necessary for an estimate. 

A week later I received a credit score report from Homestead Funding mailed to my home address. I contact XXXX via phone and email and told him I never consented to a credit inquiry. He reassured me it was a " soft credit pull '' and would not affect my credit score and did not need consent for him to do. I also emailed him a copy of the credit report I received in the mail. He insisted it was a soft inquiry.

On 7/8 I checked my XXXX  account and realized Homestead Funding made a hard credit inquiry on XX/XX/21. I contacted XXXX with that documentation and reiterated that this was done without consent. He continued to insist it was a soft credit pull but he would have it removed. 

Since then, I've repeatedly emailed XXXX telling him this has not been removed and I would pursue filing a complaint if it is not remediated. 

On XX/XX/21 I received an email response from XXXX 's email address but it says the following : Hello XXXX, My Name is XXXX XXXX and I am monitoring XXXX  Emails as he does not work here any longer as he has moved out of state. Please call me at XXXX so I can go over with you. 

Look forward to speaking with you. 
Thanks I find this suspicious. I have not responded nor called XXXX XXXX. The unauthorized credit inquiry made by Homestead Funding has not been removed from my credit report to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Other

Complaint:
Due to medical bills I have missed payments in XX/XX/XXXX. 
I fully intend on catching up my payments. 
I understand receiving calls about a late payment, but the following numbers call several times a day - and even on Sunday If I am correct, this is against the law. 
If this is against the law, then I want to report the following numbers. 
Several calls from all XXXX of these numbers. 
XXXX XXXX XXXX XXXX Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Discover Bank sent me a {$75.00} check as part of the settlement they reached regarding student loans. I deposited the check into my bank account electronically only to learn that Discover Bank had stopped payment on the check they sent me. I incurred a {$5.00} returned item fee due to a check that Discover Bank either ( 1 ) made in bad faith, or ( 2 ) should not have sent me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIAN fails to remove the XXXX XXXX XXXX account information. EXPERIAN reports incorrectly the account is past due .EXPERIAN reports incorrectly the account status is Unknown. EXPERIAN reports incorrectly that the account is {$18000.00} past due. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2021-07-28
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I suffered hardship due to XXXX. I was unemployed and my family and I battled XXXX. In XXXX of 2021, I was offered a 3-month payment plan until XX/XX/XXXX of 2021. I started with my 1st payment in XX/XX/2021 and each month until XX/XX/2021. I was charged a late fee each month. My balance hasn't changed to reflect any payments. 
I contacted the Credit union and was told that the payments go towards the end of the loan. That I would not be seeing any changed in the balance owed.

I have submitted a new application because the State of Texas has ended unemployment back in XXXX and I'm still awaiting a decision on this matter with Penfed. 

I would like to know about getting this resolved and the payments made reflect on the account.

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 2021-07-28
Company: EQUIFAX, INC.
State: MO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I submitted for a deferment with Navient which was approved. I was not made aware that the deferment did not cover all accounts through Navient. XXXX loan accounts went past due without any notification to the submitted contact information causing my credit score to be reduced XXXX points. The past due amount was quickly remedied but Navient refuses to take any blame for the miscommunication and remove the credit reporting. On attempts to call Navient, they claim that their credit reporting department has " no phones and you can not discuss this situation with a live person '' which I believe is a serious offense to not even be able to speak to anyone regarding the situation. I have taken the necessary steps to dispute through XXXX and by mail but I get the same canned, automated denial. I am taking the necessary steps to remedy this situation and just want the negative credit reporting removed. I do not want to move to litigation because I feel I have been wronged and violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
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:
I do not have knowledge of these accounts. The following accounts contain inaccurate information. Please investigate and verify the following information.

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 2015-09-15
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
To whom it may concern, On XXXX XXXX, 2015, I applied for a loan to refinance my home with XXXX and was denied because of my income. I later applied through QuickenLoans to get into the HARP program and was once again denied for the same income issue. A week later I reapplied, and on XXXX XXXX, I received notification from QuickenLoans stating their reason for denying me as being a credit issue. Attached with the denial letter was a copy of my credit score of XXXX, and QuickenLoans required credit ratings of XXXX. I would like someone to look into this matter because when I applied the first time my credit was not an issue. Also during all XXXX times I applied I was told everything was up to date and would be approved. I am now questioning their reason for denying me because the denial letter rates my credit score as within the requirements for approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt withXXXX XXXX XXXX and I do not have a contract with MIDLAND FUND plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$840.00}

Company response to consumer: Closed with non-monetary relief