BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: BROKER SOLUTIONS, INC.
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I began my home loan application with New American Funding. 
I was contacted by XXXX XXXX who was to be my Loan Officer ( XXXX # XXXX ). XXXX XXXX called me several times before sending me an email request for the following documents which were ALL provided to him either via their website upload page or email. The documents REQUESTED are listed below : eBorrower 's Authorization Agreement ( 1 page attached to the email ) Used by New American Funding to verify information using third parties if needed Be sure to sign and date this form Borrower History Form ( attached to email ) XX/XX/XXXX, XXXX AM XXXX - Your Home Mortgage Application - New American Funding - XXXX XXXX, Used by New American Funding to verify residence history and employment history/ and employment verification Paystubs Most recent 30 days and showing full name of employee and YTD W-2 and / or 1099 Most recent 2 years for all current and previous employments Bank Statements 2 months of most recent bank statements Include all pages even if the last page is left intentionally blank Do not white-out or black-out any information 401K / IRA / Annuity Quarterly Statement Include all pages even if last page is left intentionally blank Do not white-out or black-out any information Copy of a Valid Driver 's License or Government Issued ID After providing the requested documents, XXXX XXXX for a 3rd time pulled my credit which lowered my score again. I emailed XXXX XXXX for clarification. He assured me that my credit was great and I had nothing to worry about. Then I did not hear from XXXX XXXX for almost a month. He would not reply to my emails or phone voicemails. I had to call and speak to customer service and make a complaint. XXXX XXXX finally emailed me back saying he had XXXX for a 2nd time. He told me several time ( via email ) that he was finishing up a preapproval for me and would contact me but he never did. I sent numerous text messages and left number voicemails. I finally was given another person to work with XX/XX/XXXX by the name of XXXX XXXX. She requested that I send her all the email communications from XXXX XXXX ( which I did ). I was basically brushed off. I have never received any formal letter from New American Funding. I know in my heart I have been discriminated against. I provided all information and was told everything looked great. XXXX XXXX has never tried to contact me to provide me any information about my loan application. I don't know what my documentation was used for or who has possession of it. After two years, I still have not received any formal correspondence from New American Funding. I do however have ever email I sent to XXXX XXXX and if I received a reply I also have it. I want answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX/XXXX/2017 at approximately XXXX, I received a call at my place on employment in regards to my American Express card that I have failed to pay due to filing for a Chapter XXXX XXXX . 

I advised the representative that there have been previous statements made to American Express to cease communication at my place of employment. Since then, numerous automated calls have been placed. 

I told the representative that I will be giving her my Chapter XXXX XXXX Attorney name and she then stated that would cue the calls to stop. I advised her that that does not negate the fact that her organization was instructed to cease communications. 

I did advise her that I was a Director of Operations for a collection agency and at this point I was not going to get into an argument with a collector. She instructed me that she has a XXXX XXXX and informed me " that at least she pays her bills ''. 

Moving forward, being that my call and her call was recorded, I will be pursuing an FDPCA claim on this as well. I work in this industry and by NO means would I tolerate that on my floor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unconfirmed accounts specified below continue to report on my credit file despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

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 2022-08-26
Company: Experian Information Solutions Inc.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF ED/XXXX XXXXXXXX Balance XXXX {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}

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 2021-07-25
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Had XXXX XXXX XXXX pay these Rat Bastards Off, Acceptance Automotive Corporation {$15000.00}, so I instructed XXXX at the XXXX GA XXXXcceptance Automotive office to send me a copy of my Pay-off so I could give it to my Mortgage Processor & Underwriter, for some apparent Reason this must have kick in that XXXX  XXXX  mind set, and to-date I Not received Pay-off documents from her XXXX, nor Acceptance Automotive Corporation as if they are Stopping me. Side Note : Ive spoken with the Georgia Motor Vehicle, Title issue Ok, also Im reaching out to the US AGs office Protection of Senior, and the Georgia Governors office of Consumer Affairs. I like Advocating and Winning. The only thing thats Stopping me is Me, Im Winning $ $ $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was scammed out of XXXX for a car that was sold to me not even fit to drive it didn't pass inspection it had bent frames and I only had it for one month I was not behind on my payments nor was I in any contract violation. I sent chime serval XXXX reviews and police reports stating that I along with many others have been scammed that claim to have done an investigation but I have to see the evidence that the carlot has provided. I just want my money back. 
I attached some of the evidence i sent to Chime and trust me i have over 100 more i can attach

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is in regards to the CFPB complaint XXXX I filed on XXXX/XXXX/XXXX that CFPB closed without resolution. 

American Express admitted to their mistake and said they would resolve this matter on or before XXXX XXXX XXXX. They have not resolved this issue and have not made any effort to resolve it. 

I am still waiting for my XXXX XXXX XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As of XXXX/XXXX/XXXX, Midland Mortgage ( a divison of Midfirst bank ) is alleging that I am behind 4 months in payments, and owe {$9300.00}. This is not accurate. Midland is holding a partial payment of {$330.00} and has n't applied the funds. Also, there was a payment of {$400.00} mailed last week ( XXXX/XXXX/XXXX ). My monthly payment is {$370.00} so once this payment is received, I will only be behind for two months. In XXXX of XXXX, we came home and found some unknown contractors in the house moving furniture around and they said they were hired by the mortgage company because it was in foreclosure. Upon this encounter, I immediately called Midland and the gentleman that I spoke with informed me that the property was NOT in foreclosure and that no one should 've been in the home. The police were called to the home and the officer made them leave, this is documented. With my monthly payment being {$370.00}, the most I owe is {$800.00} XXXX roughly rounded ). Midland is trying to force a foreclosure on my account and has no legal ground to do so.

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 2017-09-11
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I want to open an Virtual Wallet checking account in PNC but they did n't allow because their system shows that there is a Fair Credit Reporting Act in my consumer report. So I called XXXX XXXX and got my consumer report but it only shows basic information of my previous account in XXXX. The report does n't contain anything wrong with my personal credit. Then I went to the XXXX XXXX XXXX to check if there are something wrong with my previous account and they told me I do successfully closed that account 5 years ago as well as did n't owe any money. Now I went to PNC again and they were still not allow me to open a new account since their system has such a " Fair Credit Reporting Act ''. I am really confused and could you give me the reason why I ca n't open a checking account in PNC. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00}

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 2017-10-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I have repeatedly disputed these hard inquiries with XXXX, XXXX and TransUnion. I pulled my credit reports on XXXX XXXX. I discovered that I had XXXX hard inquiries that were unauthorized. I never gave these companies the permission to run my credit for any reason. I have also wrote letters to each company asking for a signature of authorization with no response. 
The XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX of XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-16
Company: EQUIFAX, INC.
State: LA
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-01-14
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to, benefit from nor authorize any of the following Accounts : Harvest Associates - {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As usual Sears credits my payment first to regular purchase, and the remainder, if any, to promotional purchase, but in XX/XX/XXXX 's statement the billing section did it differently : Sears credited {$440.00} to a promotional purchase which will expire on XX/XX/XXXX and {$130.00} to regular purchase ; this way of calculation showed that I did nor payoff the regular purchase in the previous month, and Sears could charge interest fee. 
On XX/XX/XXXX l wrote to Searss Customer service a letter a letter disputing the interest and asking Sears removing the related fees. Not only Sears did not answer my letter, but also charge monthly interest fee totalizing {$39.00} of XX/XX/XXXX 2021

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
Consumer complaint received 2022-06-16
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 accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2017-09-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX- Our mortgage loan was transferred from XXXXXXXX to Select Portfolio Servicing ( XXXX ). At XXXX, I had a simple interest loan with a fixed interest rate, and my loan was never modified at XXXX. My XXXX loan origination date was XX/XX/XXXX. During the early years of loan, I accrued unpaid interest called Deferred Interest which had to be paid in full with the unpaid principal balance in XXXX. In XXXX, I paid on the Deferred Interest bringing new balance to {$10000.00}. 

First Complaint. XXXX moved my Deferred Interest balance to Deferred Principal in an attempt to defraud me out of claiming the interest on my tax returns. I opened a dispute which they keep saying the need more time to fix or it is being reviewed. I can never speak directly to a Customer Advocacy person or the same person more than once. 

Second Complaint. After comparing my XX/XX/XXXX statement to my XX/XX/XXXX statement, I noticed XXXX reduced the Deferred Interest balance by {$9800.00} and added the amount to my Principal Balance so now I have to pay double interest on what used to be Deferred Interest. 

Third Complaint. My next due date was listed asXX/XX/XXXX. I made a full monthly payment on XXXX/XXXX/XXXX online at the XXXX website. After numerous calls, XXXX has yet to post my XXXX payment. I have tried to get them to apply theXX/XX/XXXX funds to my XXXX payment, but I keep getting all kinds of stories saying their Cashier is working on it and give it another 3-5 business days. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, I was aware of the collection from Cbe group. Which is a collection company for XXXX XXXX XXXX from what it says. I 've never have XXXX XXXX XXXX my identity was stolen. I 've filed a police report so I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: TX
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:
According to Equifax, my personal information including but not limited to name, social security number, date of birth, address, and driver license number was compromised and exposed. Equifax detected the hacking back in XXXX, but did not announce or contacted any victims including me until early XXXX after 3 of its senior executives sold their company stocks. As a victim of Equifax breach, my identity was no longer safe and private to myself. At this moment, I believe that Equifax should do more to control the damage to innocent citizens, and prevent future compromise, e.g. offering free credit freeze instead of just monitoring with their own service..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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 accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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 accordance with the Fair Credit Reporting Act XXXX  bankruptcyChapter XXXX Bankruptcy : Bankruptcy XXXX. XXXX, XXXX  {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Joint Asset Amount XXXX has voilated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation