BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 explanation
Consumer complaint received 2021-10-12
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have sent via email, on XX/XX/XXXX, a package for a loan modification application, and since then I email 4 times to my direct point of contact resending the loan modification application and asking for email confirmation. As of today, XX/XX/XXXX, she still did not answered to me to confirm receipt of my loan modification application. 
I email as well on XX/XX/XXXX, to the loss mitigation department the same loan modification application, and they also never confirmed receipt of my application. 
All my emails sent to the mortgage company with my loan modification application where cc to my loan counselor, and she also didnt receive confirmation for the email sent with the loan modification application when asked. 
I have just come out of the mortgage forbearance on XX/XX/XXXX, and I need a loan modification in order to be able to pay going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: OPORTUN FINANCIAL CORPORATION
State: MN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Since XXXX I have asked Oportun Inc to send me all the documentation of my contract, payment record and a report of the interest they charge me. I feel that I suffered predatory abuse with the payments I made. But so far they have not responded to me. They have sold the account and now both companies appear in my report for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer Financial Protection Bureau, attached you will find my Proof of Claim, Conditional Acceptance for Value sent to Ocwen on XX/XX/2019 certified mail # XXXX. 

As of today, Ocwen has not responded to my Proof of Claim and Conditional Acceptance for Value under my private rights of action.

In addition, at question are instruments and assignments recorded at my property XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

attentively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
In XX/XX/2018 I called to XXXX branch of Santander bank trying set up automatic payment withdrawal from my company 's business checking to pay for using my personal line of credit. Branch manager assured me that everything was set up. Later on in XXXX I received a call from Santader bank saying that payments for my personal line of credit are late for more than 30 days. I headed to XXXX branch of Santander bank to fix this problem. I made payments for XXXX and XXXX as well as for XXXX and XXXX. And again asked to set up automatic withdrawal from my business checking account .Due to inexperienced branch staff such a situation repeated again in XXXX and XXXX. 
I'm a XXXX  XXXX and I spend most of my time on road. That's why it's difficult for me to keep an eye on my mail and keep up with all notices that I'm getting. I relied on professionalism of branch team but they let me down. Branch manager tried to help me and called to head office to resolve this situation but Santander bank refused to delete these derogative marks from my credit history. I'm attaching a letter from XXXX branch of Santander bank to prove my word.

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 2021-03-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number.

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
I am so upset about this situation. Ive submitted this complaint 3rd times & CFPB & XXXX /EQUIFAXXXXX claiming its being submitted by someone other than me or that there is no file on records. Seems like a lot of passing the buck or not accountability. Whatever the reason. Im beyond annoyed. These inquiries are not mine. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws. Id prefer to not get litigious. Please see this matter is handled. 
XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I authorized a check payment in the amount of {$6500.00} to XXXX XXXX XXXX. 

All other checks processed for payment cleared my account without any problems. 

On XX/XX/2022 XXXX XXXX  I received an email from XXXX XXXX XXXX  claim. 


On XX/XX/2022, XXXX XXXX of XXXX XXXX XXXX claimed on XX/XX/2022, the " payment posted '' but the " check was returned due to insufficient funds. '' This is factually incorrect. The reason I paid my balance in FULL was because there were sufficient funds in my account and remain sufficient funds in my account. All other authorized check payments cleared my account EXCEPT XXXX XXXXXXXX XXXX. 
XXXX XXXX denied there was a delay. XXXX claimed he did not know if there would be " enough '' to for me to cover the debt. I responded that he was making inappropriate considerations. XXXX XXXX is not my financial advisor. I am the customer, I paid the debt in FULL. The business need not be concerned about my " ability to pay '' as the debt was paid in FULL with the expectation the business would complete their end of the transaction without ANY delays. XXXXXXXX XXXX statement indicates he is acting outside the scope of his duties. My financial abilities should be of no concern to XXXX XXXX XXXX as my payment was made in FULL on XX/XX/2022. 
I informed XXXX XXXX XXXX that I will be contacting Capital One bank about their business practices. 

I request an inquiry into the severe delay in processing my payment as it is now XX/XX/2022. 

Attachments ( 1 ) XXXX XXXX XXXX Email to Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: BMW Financial Services NA, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a lease car with BMW, due to loss of job two years ago I had a payment plan with them. Even after taking care of everything once I got the job. They still report 21 late fees and they won't take it off. Now everywhere I go to get a new car they are giving me a lot of problems. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2021-11-24
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We Applied for for a forbearance for XXXX loans w/ Loan Care during the Covid crisis, loan # s ( on attachments ) Our forbearance ended in XXXX XX/XX/XXXX. 

We called Loan Care in XXXX, multiple times to apply for Loan Modification for both loans. 

We received. XXXX  XXXX XXXX XXXX XXXX Solicitation Offer for both. 

We followed the instructions in the plan for both loans, which is : 1. Send our 1st trial period plan payment of $ XXXX {$660.00} respectively by XXXX/XXXX & XX/XX/XXXX which we did for both, we actually paid more money. 

2. Make XXXX consecutive payments, XXXX & XXXX, which we did & are doing. 

3. Sign Modification Agreement, which weve not received yet. 

XXXX XXXX XXXX sent a letter to our tenants & us, for one of the loans, stating that were in default, that we missed payments, which we did Not. 
Proof attached. 

Wevd called multiple times to try & plead our case but, we are told to disregard the letters & are told theres an error w/ the system by some agents, but that one loan collector has said that we are in default & were still getting letters indicating that were in default. 

We did everything that was requested of us.. We should Not be in default! 

On the other loan, we seem to be ok, yet we did the exact same things for both loans. 

We also asked for a payment history for the life of our loan, about a month ago & have yet to receive it. 

They sent a payoff amount, which does Not incorporate All of our payments. 

Please help us! 

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 2023-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am HSBC US users. At the end of XXXX, I found that I couldn't log in to the account. HSBC customer service told me that the account was closed within 60 days, but I could not provide a reason.I am a XXXX, I suspect that HSBC is in XXXX  discrimination, forcible my account without any reasonable reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a double payment of nearly {$2000.00} with Bank of Americas Mastercard product. This occurred at the end of XXXX. I called their customer service immediately and was told they saw the mistake and reversed the transaction. I was told it may take 7 business days to get my {$2000.00} back. 

I have called XXXX since this incident and have spoken to numerous supervisors. They admitted they made a mistake and never processed the reversal in the first place ( early XXXX ). They assured me that they redid the reversal and to expect it in ANOTHER 7 business days. It is now XX/XX/XXXX and they still have my {$2000.00}. No representative has any clue what to do and they just keep telling me to wait. I desperately need this money back and Bank of America refuses to help. Please help me rectify this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated an {$8000.00} wire transfer from my local XXXX/XXXX  Branch in XXXX Fl, XXXX XXXX Branch  from my checking acct XXXX on XX/XX/20. The " Pay Through Bank '' was put on by The XXXX Rep as HSBC Bank USA, N.A. New York XXXX. The receiving Bank in XXXX later advised that the pay through bank should have been XXXX XXXX XXXX XXXX and XXXX advised to me the funds were returned to HSBC on either XX/XX/20 or XX/XX/20. My local XXXX Branch advises that they have been reaching out to HSBC and the {$8000.00} is " in suspense ''. I am advised by XXXX that there is nothing I can do and have to wait. 
The funds were to purchase a vehicle in XXXX and the transaction has fallen apart and a {$1000.00} deposit has been forfeited. 
I also had monthly bills and obligations to meet and now do not have the funds to meet them.I am being put in dire financial straights and need some help on this ASAP. 
The Bank in XXXX was XXXX  XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX, XXXX, XXXX to be deposited to XXXX  XXXX  Acct : XXXX. 
I would greatly appreciate anything you can do to get the {$8000.00} returned to my account ASAP as I am now in desperate financial straights. Thank You very much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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:
I submitted an online dispute on XX/XX/2021 with Experian for a XXXX credit card account. I received a 1099-C ( Cancellation of Debt, Code G ) from the IRS in the amount of {$1900.00}. I filed and claimed it as income. The creditor is no longer attempting to collect and the file needs to be deleted from my credit report per reporting guidelines. File was updated on the XX/XX/XXXX with the balance increasing from {$2300.00} to {$2400.00} and the file was still in charge-off status and balance updated with a past due amount of {$2400.00}. Submitted a second dispute with uploading the 1099C document on XX/XX/2021. File was updated and not removed on the same day with a CLS ( closed ) status with bureau Comments : {$0.00} written off and shows a past due balance of a different amount than the previous dispute investigation results of {$2400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation