BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have experience identity theft and cyber theft, I have not consented to any agency to report my personal or any credit information in a public domain. 


15 U.S. Code 1681ia - Definitions ; rules of construction ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. 
( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. Send me a update copy of the 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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 2022-01-30
Company: CONTOUR MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted my completed application on XX/XX/XXXX and sent it over to XXXX XXXX of Contour Mortgage on the same day. He did not confirm receipt however, he messaged me on XX/XX/XXXX to let me know that I need to submit additional information. I did and did not hear back from him until I reached out on XX/XX/XXXX and I stated " Hi XXXX- I hope you enjoyed your weekend! I just wanted to follow-up here since its been about thirty days since I submitted my application. I was wondering if you can provide an update on status. '' It was only then that they sent me additional conditions and document requests. This continued where it was radio silence for months until I reached out. If they needed additional documents, I wouldn't have known until I reached out. I provide the documents within 24 hours and still no confirmation of receipt or anything. 

XXXX XXXX also participated in deceptive practices. When he was looking to get my business, he said it would be a quick and easy process and he had recently closed a similar situation. He also lead me to believe that he would be able to refinance the home and process a HELOC loan. Unaware to me that they actually DO NOT offer HELOCs and i would have to go somewhere else to do this. This was not disclosed to me until now as we are closing. 

Now that I am closing, they have me backdating the documents. I received them on XX/XX/XXXX however the date on the documents are XX/XX/XXXX. It took over four months to close with no communication as to why it is taking so long. Now my interest rate has increased almost identical to what it is on my current mortgage however, I don't have the time to go through this process all over again. 

I strongly suggest an audit on their practices as I feel they are deceiving their customers to gain business and extend the process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: AL
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 inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
RE- Lease of XXXXXXXX XXXX XXXX XXXXXXXX VIN # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I handed back a XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX to Mercedes Benz XXXX XXXX XXXX XXXX condition with XXXX miles on the clock and an overpayment of over XXXX XXXX plus {$1800.00} early pay off fee which I was told by XXXX XXXX over a recorded phone line in XXXX would be waived. 

Since dropping back the leased car, I have contacted Mercedes Benz USA, Mercedes Benz Finance and Mercedes Benz XXXX by phone and email on several occasions over the last couple of months trying to recover my overpayment of {$16000.00} plus {$1800.00} early payoff fee which I was told would be waived but was subsequently charged to my account. See enclosed closing statements which clearly show the overpayments. 

I have tried to get a resolution to the problem over several months sending emails and contacting Mercedes Benz on numerous occasions. I opened a case complaint with XXXX XXXX XXXXXXXX see enclosed but almost 5 months since I handed back the car we have not received the overpayment refund that is owed to us. It seems, Mercedes Benz does not dispute the monies that are owed this is clear in the closing statement, but they seem to dispute which department of the company owes us the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 bought a new car in XX/XX/2021 and I went to one dealership and bought the car. XXXX and XXXX gave me one hard inquiry about the car I bought on XX/XX/2021. However Trans Union record it has XXXXour or five inquiries on XX/XX/XXXX for the one vehicle I bought I contacted them and told them that should count as one inquiry because it was to buy a new vehicle and I only went to one dealership as XXXX and XXXX agree. They refused to remove the inquiries even though they all was for XXXX item. This is not right what if I bought a house. XX/XX/XXXX inquiries should be one inquiry not 4or5. Thank you for your attention to this matter.

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 2023-05-12
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out this loan in XX/XX/XXXX to help pay off my credit cards. It was offered to me through XXXX XXXX. I fell behind in my payments due to the mortgage interest rates raising in early XXXX and Im a XXXX XXXX that is greatly affected by the mortgage industry decline. I told the company this. They offered lower payments, but I told them I was paid on XXXX. The payments started to come out on different days, causing them to bounce from my bank. Net Credit applied {$25.00} late fees, but no where in there materials does it state they apply additional interest. I caught up with my late payments today, but noticed when I did this, the payoff on my account is {$8800.00}. The make the payment screen is the only screen that shows me this figure. When I look at the first screen when I log in, which is my account summary screen, the loan balance shows {$4900.00}. That is a difference of {$3800.00}. When I look at my loan details screen, I see the late payments, the charge interest is no where disclosed. On my summary screen with my loan principle remaining of {$4900.00}, there is no disclosed interest owed and nothing shows a total balance, which leads me to believe I owe {$4900.00}. My loan details screen does not show {$3800.00} in interest anywhere, and my Full payment schedule doesn't show it. I called an inquired about showing the breakdown of {$3800.00} to me. I was on the phone with a representative for 41 minutes. He was nice, and tried to be helpful, but he kept telling me he showed on his screen I owe {$8800.00}, I told him that doesn't show on my summary screen, and I can not locate any breakdown that shows me the charges between the loan balance on the summary screen and the payoff in their system. He couldn't find anything to provide to me. I know under the laws and the fact they have an NMLS # they have to be fully disclosed to show me a breakdown of the payoff, but they don't have one. I want to pay this loan off, but I need to shown the breakdown of the different between the loan balance and the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing an account that I requested to have closed and then reopened with XXXX XXXX  last four account XXXX. I have disputed with all 3 agencies and the are still incorrectly reporting the information. The account status is still showing closed, showing a balance and that I was 3 months late. I previously had a XXXX credit score and all of the reporting errors are negatively impacting my score and ability to obtain personal and business credit. In accordance with with the fair credit reporting act the creditor has violated my rights. Under 15 USC 1681 section 602 I have a right to privacy. 15 USC 1681-604a section 2 a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and closed consumer account can not consider late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian is reporting inaccurate information on credit report I have constantly challenged bad information on credit report it's not accurate according to federal law their practices our shady practices are against the law

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My consumer report has just arrived and I check it immediately. I was surprised to see inaccurate information included on it. I am talking about XXXX and XXXX XXXX XXXX. Both of them are reported because there are multiple incidents of late payments. For your record, I am always paid on time as agreed. This must be updated immediately. The other one must be removed from my consumer report as it is already a collection and charged off account. You don't have any idea how this caused me so much that I can't even move forward of acquiring a house for family. Your immediate action is highly appreciated.

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 2020-07-08
Company: EQUIFAX, 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
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  When I try to call XXXX they tell me the account is old and they can not find information on this account but they are still reporting it to all three major credit departments. 

I would like these two account remove from 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The company contacted me via phone after I had complained about their repeated calls and they had told me they had removed my number from my account and flagged it as no contact. I previously made a complaint about this, and many other things. The company did not even address this in their response.

The company also had several employees lie to me and make bad faith suggestions on the phone and through their chat service. This was also not addressed in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Westlake Services, LLC
State: TX
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: Other problem getting your report or credit score

Complaint:
My finance bank Westlake Financial stated that they have been reporting my on time car payments to the credit bureau and they have not!

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXXXXXX 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I co-signed four loans while my son was attending college Approximately from XXXX. At that time the lender was named XXXX XXXX. I didn't know then that this company was a predatory lender who would change its name to Navient while trapping off a segment of its clients. Originally the four loans totaled around {$64000.00}. My son was guided towards a forbearance program which ballooned the sum near {$100000.00}. My son and ex-wife who begged me to co-sign for these loans both have abandoned their commitment towards paying anything. I've been left alone as a co-signer with a payment that went from XXXX XXXX to Navient presently charging me XXXX XXXX. It appears only about XXXX XXXX or so goes towards the principal. I'm paying a fortune and the bill isn't going down. This company has intentionally manipulated this into an interest bilking scheme. I was sure that I qualified for relief from the past Navient lawsuit. Unfortunately I was told by Navient that I didn't qualify, while they gave no sensible explanation. Navient should not be able to pick who couldn't get relief from that lawsuit without a non-bias agency like the CFPB 's oversight. Clearly they've proven themselves untrustworthy. How did a fathers attempt to do the right thing by their child, end up such a nightmare? These payments are absurd, predatory and are sinking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: AL
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:
I have notified the companies such as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX of the fraudulent activity. they refuse to remove the inaccuracies insisting that they are accurate. In fact and by law they are not accurate and are illegally using my information without my written consent.

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 2018-04-30
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am concerned about what will happen if my house doesn't sell soon ; it has been on the market for three years. I have tried calling the Client Advocate Unit of BBVA Compass for two weeks but nobody answers the phone. I did actually manage to speak to one person after 8 days of calling ; she said there wasn't really anything they could do because my account was in good standing. I asked about deed-in-lieu of foreclosure or other options but the only advice was get a short-sale offer. I have not received any offers in t

hree years ; this didn't seem to concern them. Again I asked for other options but received no other advice. However, the next day they called my home number asking us to call them back. I have been trying everyday for five days, leaving messages, etc ...

Consumers are encouraged to call their bank before they experience difficulties. It is apparent that " doing the right thing '' is not the way to go. It seems quite obvious that consumers have to ruin their credit before anything will be done and by then it is usually too late. Two weeks I have been trying to get information to attempt to avoid foreclosure and for two weeks I have been confronted with a voicemail that apparently does not get checked. 
BBVA Compass show a complete disregard for their customers.

Company response to consumer: Closed with explanation