BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2015-11-07
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has not filed a release of lien. When I was notified of the transfer of the mortgage from XXXX to Nationstar ( XXXX XXXX ) my mortgage had about two years of payments remaining - mostly toward principal and a total amount under ten thousand dollars. If I had let the mortage run its course, I would have only paid a few hundred dollars in interest. So I was thinking about paying it off anyway before the notification of the transfer arrived in the mail. I made XXXX payment in XXXX to Nationstar, which was difficult because they only set up my online account when I demanded it after XXXX consecutive days of phone calls and more than five hours on the phone. And then the payment did n't show up until I called back repeatedly - and the customer service is abysmal. This made me quite nervous because I pay bills on time and have excellent credit. At that point I decided to pay off the rest of the note, so I requested a payoff statement. The payoff statement that they sent was incorrect, so I had to request another one. I did a wire transfer directly from XXXX XXXX XXXX so that I would have some very official documents for my records that would confirm that I submitted the final amount on the payoff statement. Months later, Nationstar has not filed the release of lien after multiple official requests. They also have apparently never reported the existence of the loan ( which was in their hands for just under two months ) and it does not show up on my credit reports - either as an existing or closed mortgage. I am concerned because, as I have told the company multiple times, that if I need to sell my property the transaction will be held up because they still have a lien that needs to be removed. The company seems entirely incompetent at best, and predatory at worst. When they bought my loan, I had made every payment on time without issue. Never had problems with a mortgage company for the entirety of my mortgages ( and I have had several on different properties in my lifetime ) but Nationstar is a disgrace. What they are doing is unlawful - there is a law that requires them to release the lien, and I am afraid that I 'll have to pay a lawyer to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I logged onto the Experian website to dispute information on my credit report report number XXXX and I could not get past the spinning portal. I have 34 entries in my credit report personal information side which I gave them no authority to furnish. This was also a violation of my privacy. 
According to U.S.C. 15 1692 ( k ) there are monetary remedy for these damages. 
{$1000.00} per not to exceed {>= $1,000,000}.

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 2021-06-24
Company: EQUIFAX, INC.
State: TN
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 am a victim of Identity theft. I did not make these these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2021, I ordered my free annual credit reports from all three credit bureaus ( XXXX, TransUnion, and XXXX  ). The automated system verified my information, and it stated that I would receive my reports within 15 days. By XX/XX/2021, I had not received my reports. As a result, I filed a complaint with this organization against ALL THREE CREDIT BUREAUS ; however, this organization sent the complaint to XXXX, but it was not sent to the other two bureaus. It is a violation of the law for your organization to interfere ( or allow someone else to interfere ) with the very process you were established to protect! With that said, I am re-filing this complaint, and I expect your cooperation in sending it out to ALL THREE CREDIT BUREAUSexpeditiously and simultaneously. Additionally, when I called the phone numbers provided for all three bureaus to inquire about my reports, they were not truthful, and there were technological issues present at all three bureaus. The technological issues prevented me from ordering my reports.

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 2022-02-15
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was a Wells Fargo auto loan customer whom had car repossesed. Fees were excessive and it had no real reason to do so. I am entitled to relief.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX and XXXX XXXX. 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. 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 2023-06-15
Company: BMW Financial Services NA, LLC
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: Information belongs to someone else

Complaint:
BMW Financial Services has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Subject : Complaint against PHH Mortgage Dear Sir/Madam, I am writing to bring to your attention the frustrating and disappointing experience I have had with PHH Mortgage. I have been working with a mortgage defense attorney against PHH Mortgage because every consumer finance protection law they have not been complying with their contact for a family transfer is slow, and they have not sent me letters in the mail on what to do next. When they do respond, they leave a cliff hanger saying the process is incomplete and ask me to contact the modification counselor 's office. 

Unfortunately, even when I contact their counseling office, they state that I'm not authorized even after probate and recorded the deed of transferring title have been completed. Even when I say I am the successor of interest, and I have the necessary legal documents, the response from PHH remains the same. This is extremely frustrating, and I do not know where to turn.

I would appreciate it if you could investigate my case and determine why PHH is refusing to comply with the Consumer Finance Protection Act and other relevant laws. It is my hope that this situation will be resolved quickly and efficiently so that we can move forward without any further hassle. 

Thank you for your attention to this matter, and I look forward to hearing from you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
Credit Bureau has violated under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.SXXXX CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. The following accounts U S DEPT OF EDGSLATL Account Number : XXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 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 Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-30
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX I opened a Popular Direct XXXX account after seeing that they offered a high-yield savings account with competitive rates. The interest rate was around 2.5 %. I've had the account three years and have wondered why the interest I've been paid this whole time seems much, much lower. Only now do I realize that they gave me a different savings account with misleading information - the interest rate still shows in the 2.5 % range, but the " APY '' has only between .5 % and .75 % since sometime in the middle of XXXX. My current statement shows the 2.46 % rate but also the much lower APY. I did not understand the difference between these numbers. 

This is false and misleading advertising- my statement shows the 2.5 % interest rate and in my view, the bank owes me 3 years of back-interest at the advertised face interest rate. 

When you go to their main page advertising their savings accounts, they advertise a 2.5 % APY and now I see there is a footnote that says that APY only applies to " High Rise Savings '' accounts. I was on this similar page when I opened my account up 3 years ago and clicking to open an account did not open a " High Rise Savings '' account - they put me in something called " Ultimate Savings '' which looks like the same face interest rate but somehow they are getting away with paying only a miniscule APY.

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 2022-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated or removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have asked Sterling National Bank on multiple occasions to put the money we could not pay during our hardship with COVID on the back end of our mortgage. For a few months we have been paying monthly installments by mail given they XXXX down the option to pay at a local bank location. They have been accepting out monthly payments but are still asking for the full amount we were unable to pay during our problems with Covid, as well as late fees. We were hoping after our multiple requests to place the amount we were unable to pay on the back end with our efforts to start staying on top of our monthly payments as a way to ensure they do not foreclose on us and allow us to place the amount during our Covid problems on the back end given we were always good on payments toward our mortgage but they seem to be working toward a foreclosure given they still send us statements we owe the full amount with late fees. We are asking for help to get Sterling National bank to put all owed payments on the back end and let us continue payments of a monthly mortgage fee with no previous balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Received a threatening letter from Capital One Bank USA and a Sheriffs office stating that my wages are going to be garnished soon and Im been served in court. I never received any previous proper documents or proper court citation ; they Ive tried contacting my employer and said they will send the wage garnishment letter without previously providing me account accuracy or any modes of account verification even though the law states that is harassment and its prohibited. If that happens I know my employer will let me go. I am a single mother of XXXX  living paycheck to paycheck, no public assistance with over {$6000.00} behind in rent trying to provide for my family and also helping my mom and sister that had a car accident few months back and are unemployed. This will put me in an even worst financial situation and just because I tried fixing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HWarfield at XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$2500.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Premier Auto Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/2019, I opened a car loan with Premier Auto. Recently I discovered that they have been charging me an {$85.00} LDW fee every month since XX/XX/2019, despite having continuous insurance coverage on the vehicle. I emailed proof of continuous coverage and received no response. I then emailed several times and called and left messages after in an attempt to get a response and reversal of these fees. Still, no response. My latest statement for XXXX just posted online and there is another LDW fee attached. I have been charged 19 LDW fees totaling {$1600.00}. There also have been several " Other Fee '' charges as well totaling {$140.00}. I already pay a {$7.00} online payment fee with my normal payment of {$410.00}, making the total I pay each month {$420.00}. I would like to know what these " Other Fee '' charges are for and if they are erroneous, I would like them reversed. I also would like a reversal of the {$1600.00} LDW fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation