BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
n 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. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
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 purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Case Nos : XXXX & XXXX CapitalOne, XXXX 's took over the XXXX 's program from XXXX XXXX XXXX  in XXXX of this year. I had filed a dispute with the latter on XX/XX/2022 as well as a complaint with the XXXX. I had written many letters to XXXX XXXX  and they never investigated or resolved the dispute in 5 months. Instead they transferred everything to CapitalOne. Now comes CapitalOne and it is asking me to pay for the never investigated or resolved disputed amounts of {$2300.00} & {$2100.00} to merchant XXXX XXXX for services not rendered. CapitalOne insists on initiating a new dispute which should not be. According to federal law a financial institution has 90 days to respond to a dispute and if the merchant is contacted and never responds it forfeits the amounts disputed. As XXXX XXXX XXXX  never investigated, or if they did, the merchant did not respond thus canceling the transaction outright. I have asked CapitalOne to obtain all documentation from XXXX XXXX to be able to determine what they did or did not do thus allowing us to solve this old dispute once and for all. They have failed, refused or neglected to do so and now insists I must pay. They have also billed my account for the outstanding amounts which, by the way, XXXX XXXX  never even issued temporary credit as required by law. Since CapitalOne acquired all rights to the XXXX 's credit card program they should honor my original dispute and either charge back XXXX XXXX  or demand they turn over any and all documents they possess having to do with my original dispute of XX/XX/2022. CapitalOne has been provided with my many certified, return receipt letters to XXXX XXXX  and yet, instead of accepting the original dispute they wish to proceed with a new one and refuse to get back to XXXX XXXX  for all proper documents pertaining to their investigation of lack thereof. Since XXXX XXXX  has not sent anything to CapitalOne and never bothered to even investigate or give me a definitive answer, CapitalOne should issue temporary credit and deal with XXXX XXXX  instead of expecting me to take up the matter myself. This is not proper banking practices as they just want to drop the dispute on my lap and not do their due diligence themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In 2019 bank of America closed my account due to it being overdraft. I have since paid that account in full. Bank of America is now reporting this account to XXXX  XXXX XXXX that it closed due to fradualent activity. I have called several times and have recorded phone calls where agents told me that the account was closed due to over draft and to fraud. I have escalated this issue to corporate and the CEO and still have not heard back in regards to this matter. Due to this reporting I can not open any accounts anywhere and it has caused XXXX XXXX XXXX XXXX to close my account.

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 2022-10-14
Company: EQUIFAX, INC.
State: KS
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:
XXXX is reporting uniformed information to my consumer report dated XX/XX/2017. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am signed into their system with a login and password but can not get in. Rejected. with multiple attempts and other methods they provide fail. Attempts to use chat, mail or other online functions fail. I even changed browsers but still no good. " Call back on Monday. '' Well sorry they then attach a late fee at the stroke of midnight on an already horribly usurious loan or to pay by some other means. By opinion a great way to make extra money for the bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Community Loan Servicing, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX. My loan number is XXXX. I have never had a late payment. On XX/XX/2021, I paid electronically the {$2600.00} monthly mortgage payment due XX/XX/2021. They e-mailed receipt of the payment, and it was deducted from my bank account. At that moment in time, we were even. Then on XX/XX/2021, I mailed a separate personal check for {$50000.00}, and wrote across the top of the check PRINCIPAL PAYMENT ONLY. I enclosed a two line letter which read Please apply this entire {$50000.00} to PRINCIPAL ONLY for account XXXX. Thank you! 

But that is not what ensued. Community took an interest-free loan of two months forward payments ( due this coming XX/XX/XXXX and XX/XX/XXXX ), indicated my next payment was not due until XX/XX/2021, and applied only {$44000.00} to my principal. I mentioned this to my wife who reminded me that this had happened several years ago when I tried to make an extra {$10000.00} payment to principal. 

I telephoned Community ( XXXX ), finally got to escalation, and talked to XXXX XXXX who said when a check is received and assigned to principal, the programming automatically deducts the next two months forward mortgage payments. She did not know why the glitch existed, but said she would rectify my account, and that in the future any payment I make to principal should be discussed with a live agent. 

I ask if this malfeasance should be tolerated. Ultimately, they are in accordance with the terms of the mortgage, and one can prepay principal, but only after they intentionally try to get away with something. As a consumer, I spent over an hour on the telephone trying to rectify my situation. Are they allowed to put me through all this to prepay principal? And how many of their other customers just let it slide and give them the interest-free two-month loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We are filing this complaint against XXXX, who violated their RMBS agreement with the federal government when they bought a HELOC debt from XXXX. 

They were obligated to negotiate a settlement fairly, but instead, instigated foreclosure in the midst of us applying for a negotiation, they committed modification fraud with false amounts, outrageously false property values, when we complained about their servicer Rushmore Loan Management to CFPF, Rushmore lied in their response to CFPB and submitted false documents to the CFPS, and then we were suddenly advised that this false debt amount they attribute to us, had been sold to XXXX XXXX XXXX, and then we received another notice that it was sold to a XXXX XXXX in Arizona. Essentially XXXX never met their RMBS obligation to offer fair relief, which they were obligated to do. Instead, they threatened us and has no intention of fair settlement, and have since cost us much more in legal fees and more. 

Regardless, XXXX only notified us a month after they sold the debt, that it had been sold, and we received two conflicting letters about the new owner of the debt, so we have no idea who actually owns it, but one of them has attorneys sending us threatening forceclosure documents. We also received conflicting contact addresses. 

XXXX aka XXXX XXXX, was obligated under the RMBS agreement to offer relief for debts they purchased from XXXX, instead committed modification fraud, false attempts at modification, lied to us, threatened us inappropriately, falsely sent an appraiser, who told us she had been hired to take photos to sell the house, not appraise. etc.. started foreclosure proceedings while they were pretending to negotiate a settlement, falsely appraised property ignoring legal issues attached, and boundary disputes, and threatened to sell our home, falsely reported amounts owed to credit bureau, and finally sold the " debt '' wildly false amount to different entities, who are now both harassing us, and threatening foreclosure, and XXXX never notified us that they had sold us, until a month after the alleged sales of the same debt to two different trusts? 

XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX ( Account # XXXX Name - XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX Auto XXXX, ) ( Account # XXXX Name XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX ) and 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-28
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I didn't take out a loan with the company. The SSN # is not have is not mine. 
XX/XX/20 is when it was taken out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
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:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and 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 2021-04-14
Company: Navient Solutions, LLC.
State: DE
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:
Navient Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: CITIBANK, N.A.
State: NJ
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:
XXXX  has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX  . XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF 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 2017-05-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a short sale back in   XXXX   XXXX     with  Wells Fargo Home  Mortgage. I was told that the turn around time wa s 1 week for docs to be reviewed. It has taken them 3 to 4 weeks to review documentatio n, each time requesting something else. I explained that I was trying to keep the payments up on this house and needed to close as soon as possible. My point of contact with  Wells ne ver reached out to me. I spoke to him  two times  and it was due to me initiating the call. I have spoken to managers and been given different answers concerning the short sale approval. I was told that the loan needed to go to HUD for approval due to the appraisal coming in low as compared to what is owed on the loan. However the initial appraisal was obtained in the end of   XXXX   the beginning of   XXXX   so why would it take until  XXXX  for the loan to go to HUD for a variance. I was just told today that the loan went back to HUD for another variance. I have been in communication with the  executive o ffice and was told I should have an answer no later than this week. So far no one seems to know, understand or care about what the dela y ( s ) a re or have been. Since I am used up my tax refund to keep up with the mortgage, I am now late. From   XXXX   until now I was on time. It seems like they want me to loose my home. I spoke with   XXXX   XXXX   today and it appears as though the previous note s may have b een removed as he does not seem to have evidence that the loan went to HUD in  XXXX  for a variance. However, I have a ticket number for the original variance with HUD and that number is  XXXX  evidencing HUD approved the Variance. Please assist in researching the matter as I do not want to loose my home.

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 2021-06-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian Credit bureau state that theyre not receiving updates monthly. When the other two credit bureaus are updating the same information weekly.

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 2019-08-13
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: Information belongs to someone else

Complaint:
I am a victim of identity and the following accounts and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report are all fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been receiving numerous and harassing phone calls at my home and employer of profane and vulgar language, abuse, threats of legal action, wage garnishment, job lost, jail, prison, violence and death threats from debt collection representatives from all of the creditors listed above. All of the above creditors are in complete and total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law. I am afraid and in complete fear of losing my life. This is so wrong and unnecessary...

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 2021-06-14
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation