BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX I reached out to XXXX XXXX about this debt. The company talked me into setting up payment, however I didnt realize Im a part of the litigation with Santander USA ( original debtor ). 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: MI
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 previously tried to resolve this issue, of unauthorized inquires on my credit report, with Experian. I contacted Experian over the phone and was told that there was nothing they could do and I would have to contact the creditors. I contacted the creditors and filled another disputed with Experian, with attached letters of the creditors stating they have no records of me. I mailed this letter certified mail. USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX stating it was delivered to Experian on XX/XX/XXXX. Experian has failed to respond in the allotted 30 day time frame required by the FCRA. Therefore according to the FCRA the disputed items have to be removed immediately. The UNAUTHORIZED inquires are listed : XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXXXX/XX/XXXX Furthermore I have attached a letter from XXXX XXXX stating I am not in their files and the inquiry should be removed. I have attached a CFPB response from XXXX stating I am not in their records and the inquiry should be removed. I have tried to contacted XXXX XXXX   through a certified letter ( delivered XX/XX/XXXX ) in which they failed to respond to. I also opened up a CFBP complaint ( XXXX ) in which they have not responded in the allotted time so I can only assume they also do not have me in their records since this an unauthorized inquiry. I have attached a certified letter to XXXX  ( deliveredXX/XX/XXXX) to which they have not responded. Again only assuming they have no records of me.

I request that you immediately delete this information from my credit reports. To continue to report these inquires on my report would be a violation of the FCRA of unverified and inaccurate information. Please do not tell me it will take 30 days I know it does not take that long and I have provided you proof from the creditors themselves that this information should not be reported. Thank you for your prompt attention to this.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2022-12-17
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Jefferson Capital Systems LLC successfully manage to file and win a judgment against me without me knowing anything about their claim. I received a letter from a local court notifying me that Jefferson Capital Systems LLC was granted a default judgment against me. 

I have never had any type of account with Jefferson Capital Systems LLC. My name is very common in the XXXX Texas XXXX. Additional, the veracity of the claim hasnt been fully explored beyond a shadow of a doubt ( by me ) that includes examining the subject accounts owner, receiving a full accounting of all charges, full account payment history, reviewing the account contract, plaintiffs evidence of subject account ownership, evidence of plaintiffs attempts to make aware of impending lawsuit prior to filling, determining if plaintiff attorneys is working within Texas or is from out of state, reviewing the statute of limitations for the action- among other considerations. 

As such, is Jefferson Capital Systems LLC has disregarding federal laws designed to protect consumers at large. 

I urge the federal government start a full-scale audit/investigation on Jefferson Capital Systems LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2022-12-08
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX. My Covid forbearance ended on XX/XX/XXXX. I am requesting from my mortgage company for a Partial Claim through HUD. I can resume making my normal mortgage payments on XX/XX/XXXX as my financial situation is back to normal. I am getting several different answers regarding this information and worried it is not getting done.i attached my covid forbearance packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: ACIMA CREDIT, 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 information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to XXXX or remove the item absolutely. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ADDRESS IS INCORRECT I BEEN AT SAME ADDRESS, ALSO By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months to a year. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Aqua Finance, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XXXX of XXXX, I purchased a home water purification system from XXXX XXXX. The XXXX of the system was done through AquaFinance. 
On XX/XX/XXXX of XXXX, they called wanting payment. I explained to them i did not have the money due to financial hardship. I called XXXX XXXX right after I got off the phone with AquaFinance to see about having the system removed and was informed that i was stuck with it and, even if i had it removed, I was still responsible for the entire debt. In the months following, they have continued to call me as many as 3 times a day at all hours of the day ( many times in the late evening ), from numbers all over the country. I have explained to them that my wife is no longer working and they proceeded to call my mother and sister when i stopped answering their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: DISCOVER BANK
State: VT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Reported card as fraudulent activity! Have provided company with statement from employer that I was at work the time these charges were made in another state along with a police report from my home state! This company states they have a 0 fraud liability policy, and they are not adhering to there policy! My next step will be litigation if you are unable to intervene!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX is reporting incorrect information on my credit report to all three credit bureaus. In fact, the information being reported is different on each bureau for example on Experian they are reporting three open leases which were started in XXXX and XXXX but on XXXX and XXXX they are reported as closed. It is now the year XXXX which is more than 8 years laster and these accounts are falsely being reported as open by XXXX which makes no sense because what kind of auto lease lasts for 8 years? I will attach proof to show these accounts were being reported as closed to XXXX and XXXX but XXXX though it would be a good idea to leave them as open on Experian and after disputing this with Experian multiple times they simply take XXXX side because XXXX has bigger pockets than the average consumer who doesnt have millions of dollars like XXXX XXXX pay Experian to support their lies. I dont have any open accounts with XXXX and they have caused me huge financial problems because they are false stating on my credit that I currently have three open vehicle leases with them and I dont own any XXXX nor do I have three cars to my name.

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 2020-02-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019, I XXXX XXXX was affected by the Government shutdown, I was laid off for a couple of weeks and at that time OCWEN MORTGAGE SERVICE, Was my mortgages company. They Requested that I fill out the application, for a loan modification. XX/XX/2019 in the same month, I apply for the loan modification my loan was transferred to PHH Mortgages service. Which is owned by OCWEN. PHH Mortgages service is debt collector company.I was told by OCWEN,,, NOT ... To make a payment, Until, they tell me. In XX/XX/2019. I was informed my loan modification was ... DENIED ... By PHH Mortgages Service. Once I was denied my loan modification, PHH Mortgages, They wanted all 7 payments at one time, For I can be CURRENT. On my mortgage.I explain to  my Account Relationship manager : XXXX XXXX. I didn't have the money .I send in 1 payment .after that, That's, when Threatening started .About Foreclosure started.

With the help of, FAMILY & FRIENDS we RAISE $ XXXX.Now I'M CURRENT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Pennymac is currently reporting my mortgage account as past due over 120 days. 
Prior, I was in their forbearance program until XX/XX/2020 when I went into their modification program. I have been making payments outlined in Pennymac 's agreement and have not been late to date. 
Under the CARES ACT and CFPB instruction/interpretation of the CARES ACT, Pennymac is in direct violation of the credit reporting guidelines by reporting my current status as delinquent and late. 
I have addressed this issue with the company. Past reporting was fixed to reflect Covid relief, but current status is not accurate under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred a total of {$46000.00} to open a CapitalOne savings account. Because an earlier attempt to open an account had resulted in no apparent account creation, I ended up opening two separate savings accounts, one funded with {$30000.00} and the other with {$16000.00}. The transfers were initiated on XX/XX/XXXX and XXXX respectively. I called the bank because of the issue with the earlier transfer not showing up on CapitalOne 's website and its related app. They explained that I had opened two accounts, so we closed one and transferred {$16000.00} into the remaining account. 

I was planning on using the funds to purchase a car, so I always knew that I was going to withdraw most of the funds, but wanted to keep the new account open because of its attractive interest rate. However, I was told I could not initiate a wire transfer. I was offered a cashier 's check, but because this is an online bank, the cashier 's check would be sent by XXXX, which I considered too insecure to do. Finally, after speaking to a CapitalOne representative on XX/XX/XXXX and confirming it with the " ambassador '' at the CapitalOne XXXX, I initiated a transfer of all the funds back to one of the originating banks. 

At this point, all looked good. The transfer showed up in my app as having been initiated. Shortly after that, however, when I checked back in, the website/app displayed on all of my accounts a " funds not availabe. Please call ... '' I called the number multiple times and it only led to a recorded message, " Please leave a message by pressing 1. If we need more information, we will get back to you with two business days. '' Because my new car is ready for delivery, I need more rapid action. I manipulated the phone tree to get a human being in the security department. While they asked me some questions, it wasn't clear what they wanted from me nor would they provide any information on why my funds were available, only that the account was being closed and the funds returned to one of the two banks, although why they would do it that way seems strange. Worse, the timeframe they gave me was three-five business days. 

I would just mention that I have had a CapitalOne card for many years and that only recently they were offering to raise my credit limit, so my treatment is bizarre from a business standpoint. Worse, I am in limbo. I received today an email from CapitalOne asking me to try to transfer the funds again. Returning to the website, I am only presented with the " funds not available message. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by Rocket Mortgage to offer a refinancing plan. The agent suggested a good % rate, and I agreed verbally to proceed. He asked me to sign a form accepting to the {$500.00} Fee, using a e-signature signing ( used touchpad ), and stated this was needed to lock in the rate. ( XXXX ) I received a bunch of forms to e-sign on XXXX XXXX, but the fees, loan amount and structure didn't reflect our discussion. I didn't sign anything. Texts and phone calls and emails exchanged on the discussion. The agent was forceful in telling me it's ok to sign, these were estimates, and the final closing docs/loan will change upon the closing, but i didn't agree to this. I requested he recalculate to reflect our discussion. He didn't do that. I waited 2 days, and then emailed him to withdraw my loan application, XX/XX/11. On XXXX, my CC was billed {$500.00} " unauthorized '' by me. Also, Rocket Mortgage contacted my current lender requesting a close-out, on XXXX. I was charged {$25.00} and XXXX XXXX issued me a " Goodbye '' letter. I had to reach out to tell them, i didn't agree to refinance with Rocket Mortgage, and am still trying to get that fee reversed. I reached out to Rocket Mortgage to have them credit my CC back the {$500.00}, and they said they were going to charge me {$42.00} for the Credit Report, noting that i agreed to pay any fees, in the initial discussion, XXXX, and they sent me the form i signed. I don't believe this is acceptable behavior, and any charges should be tied to an agreement on loan structure upon closing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX Account numberXXXX Date opened : XX/XX/2021 It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report.

Company response to consumer: Closed with explanation