BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am applying for a VA loan with Caliber Home Loans. I meet all qualification criteria and intend to occupy this home as my primary residence. However, my loan officer told me Caliber Home Loans does not believe I will occupy this as my residence and has rejected my application. They are discriminating against me and not taking my intent to occupy on face value because I am a property manager and own multiple homes. They believe I am lying and will buy this as in investment home. I do intend to move in, and I have told them that I am downsizing because my son is going to XXXX  and we need to move closer to the school our girl 's attend to reduce our commute time. My closing is on XX/XX/XXXX and I am in jeopardy of missing my closing date. Since they have delayed this process, if I go with another lender my interest rate will increase by more than 1 %. This is very stressful and I do not believe they are acting ethically. As a veteran, I served my country and now my integrity is being questioned and I can not get a loan simply for the fact that the underwriter does not believe I will be moving in the home. Please help me so I can move forward with closing on, thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 non-monetary relief
Consumer complaint received 2023-02-07
Company: Torriere Holdings INC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Spire Solutions Recovery called my wifes phone number, and they told her they were XXXX. She never once gave her name or identified herself as my wife. The representative proceeded to give the address they mailed the paperwork to, and gave my email address. My wife was like what if I would have changed my number and someone else got that information. They should not have given out my personal information such as my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name: XXXX XXXX XXXX XXXX   Account #XXXX, has violated my rights. 
Account name: XXXX XXXX XXXX XXXXXXXX  Account # XXXX, has violated my rights
Account name: XXXX  XXXX  XXXX    Account # XXXX, has violated my rights
Account name: XXXX XXXX  XXXX    Account# XXXX, has violated my rights
Account name: XXXX XXXX  XXXX     Account#  XXXX, Has violated my rights
Account name:XXXX XXXX XXXX  Account# XXXX, has violated my rights
Account name:XXXX  Account# XXXX, has violated my rights
Account name:XXXX XXXX XXXX  Account#XXXX, has violated my rights
Account XXXX  XXXX  XXXX  Account#XXXX, has violated my rights
XXXX  XXXX  XXXX   Account#XXXX,has violated my rights

XXXX XXXX XXXX. Account#XXXX,has violated my rights   

XXXX  XXXX  XXXX  Account#XXXX,has violated my rights

XXXX  XXXX XXXX Account#XXXX,has violated my rights

XXXX XXXX XXXX  Account#XXXX,has violated my rights

XXXX  XXXX  XXXX  Account#XXXX,has violated my rights

poXXXX XXXX XXXX Account#XXXX,has violated my rights


XXXX XXXX XXXX  XXXX  Account#XXXX,has violated my rights


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 XXXX: It also states a consumer reporting agency cannot 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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 certified letters were sent to XXXX XXXX XXXX XXXX of Santander, XXXX XXXX XXXX XXXX Santander, XXXX XXXX XXXX at Santander, XXXX XXXX XXXX de XXXX XXXX at Santander, XXXX XXXX XXXX and XXXX XXXX Chief Legal XXXX at Santander. The letter sent was requesting proof that the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law was sent to me. We further went on to ask them to cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies until they can provide the proof that the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law was actually sent to me. Based on the tracking Santander receive the letter XX/XX/XXXX. 

Santander did not reply to my letter, so I was under the impression that Santander deleted the information off my credit report. To my surprise a couple of weeks ago I took a look at my credit report and notice Santander was still reporting incorrect derogatory information about me to the XXXX major credit reporting agencies. I wrote another set of letters to XXXX XXXX XXXX XXXX of Santander, XXXX XXXX XXXX XXXX Santander, XXXX XXXX XXXX at Santander, XXXX XXXX XXXX de XXXX XXXX at Santander, XXXX XXXX XXXX and XXXX XXXX Chief Legal XXXX at Santander on XX/XX/2022 which they received XX/XX/2022 Still no response and the negative account still remains on my credit report. 

I have attached all the letters mailed, along with certified mail receipt and the proof of delivery from the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
Upon looking at my Transunion Credit report I notice several fraudulent reports that are reporting. I am not aware of this accounts. I have a police report and supporting documents for identity theft. Please review

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 2023-02-07
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
Hi, I chatted to understand why I was charged interest and asked for the interest to be waived. I was told the interest was a rolling interest that started in XXXX, which made sense to me. When the rep tried to waive the interest, he advised me that after running my account through a system, my interest waive request was denied based on several factors such as payment history, spending, past requests, etc. 
I asked him specifically why my request was denied. He again stated that there were several factors considered as outlined. 
I am concerned that American Express is using my financial information and habits to make a decision that impacts me financially without giving me a reason for denial or outlining exactly what was considered in their decision. When I pressed, the representative exited the chat, thus refusing to answer any additional questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I believe I do not owe this amount ; I have disputed multiple time to the bureau and the creditor and have not receive any verification of the debt and it's preventing me from getting financed and I want it to be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
i have sent them two letter asking validation of debt by u.s postal service certified mail receipt # ( XXXX ) receipt # ( XXXX ) i have not yet or never did I received that request whch i have a right as a consumer under the ( FDCPA ) they just keep violating my rights under 15 usc 1692c ( a ) ( 1 ) ( c ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Dear CFPB-Please see attached files For months I have submitted complaints to Transunion regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet Transunion keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They have been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.

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 2018-05-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to a new servicer effective XX/XX/XXXX. I did not discover this until today, XX/XX/XXXX, and I only discovered it because I noticed the payment I made on XXXX had not yet been pulled out of my account. When I contacted Cardinal financial I was told that the loan had been sold and the payment was returned. They told me they mailed me a notification of the change on XX/XX/XXXX ( which I have yet to receive ). As I understand the rules, they should have given at least 15 days notice. Instead they mailed something out 6 days before my payment date and called on XX/XX/XXXX after XXXX. There was no email or secure communication through the website, despite the fact that I'm a paperless customer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have requested to XXXX XXXX XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.

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 2015-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was XXXX on XX/XX/XXXX. I was unable to make my mortgage payments as I had no income while I was living in XXXX. Countrywide lending put in for forclosure and BOA ended up with the loan. BOA reported to XXXX in XX/XX/XXXX that my mortgage was forclosed on. Now BOA is saying that they never forclosed on my loan and they are harrassing me after I sought credit help to fix my credit with XXXX. BOA changed their paperwork to say that it was never forclosed on in XX/XX/XXXX and I have the XXXX report that I printed out to prove it says forclosed owed {$0.00}. BOA is so very dishonest they only changed the status of the loan after XXXX contacted them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, So I spoke to my bank Navy Federal Credit Union, and XXXX about an issue with a credit account that was removed from my credit report without my consent. 

I spoke to XXXX on XX/XX/2021 via phone and online about a remark on my account that dropped my credit score by 88 points. I asked transunion over the phone and online about the drop, saying there might be an issue with my NFCU credit card. XXXX spoke to me and said over the phone they removed the remark. 

About a month later I noticed how my account for XXXX was back to my usual credit score, but my XXXX account had not returned to normal. I noticed that my credit card account was removed for some reason. I have been speaking to both XXXX and NFCU about this, and have messages from NFCU on their app. Navy has stated they reached out to XXXX and were told I needed to provide some type of reinsertion letter with my signature and other information on it, I am not doing that and making myself liable if there is some fault on one of these parties here. I spoke to XXXX about this, and they stated that navy never reached out to them and started whatever reinsertion process. 

I have never told any of these parties to remove any account in my name, I still have my credit card and the account is open. I want a 3rd party to mediate communication amongst these two and please get this handled, that is it. I am not doing another round XXXX involved with this, because someone probably just made an error somewhere because I was concerned about a sudden credit drop. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX  XXXX  XX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-23
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started off as a 80/20 Loan ( Freemont & Ocwen XXXX then I got it modified and had 1 mortgage with Ocwen. I had a mortgage broker speak on my behave to negotiate this modification in XXXX which I was not aware this was a balloon mortgage. When I recently tried to do a Home Equity Loan with another company that how I found out that I still had a second mortgage. This was a predatory loan from the beginning, So I went back to the Mortgage company Ocwen ( now PHH mortgage ) to get this resolved by paying off the second mortgage with out the interest.

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 2023-10-28
Company: Point Digital Finance, Inc.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Loan estimate or other related disclosures

Complaint:
When I requested the investment in my home they undervalued my property so that they will have a greater share of the value of my home later. I believe their was XXXX  involved when my home was appraised.

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