BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: Liberty Capital Services LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We reached out to XXXX XXXX, a lender from Liberty Capital Services , LLC, for a loan application to purchase a house. During the communication and email exchange, we shared the information about the address, what type of house we are buying ( a duplex ), etc. He sent us the Closing Disclosed Estimates with 0.403 % of loan amount ( points ) origination charges. We used this number for the whole working process. Two or three days before our initially scheduled closing date, he sent us the formal Closing Disclosure document, and the point increased to 1.403 % of loan amounts, which means at least another {$2400.00} cost from our end. We reached out to him, trying to figure out why. And he said the reason for the difference in the points is his " mistake. '' He put the number wrong. And he wants us to sign the new closing disclosure soon. We refused to sign it. This explanation won't help us accept and let us pay an extra {$2400.00}. We also realized in some states, according to XXXX, it is illegal to increase the lenders fees ( i.e., origination charges ) between documents. 

His behavior is like a scam. So we emailed him respectfully, saying this is unacceptable to inform us a few days before closing that we need to pay extra thousands of dollars because of his mistake. We shared all the information appropriately for the loan application, and he couldn't just change the lender fees because of a " mistake. '' And we also mentioned in the email we would like to have a solution from them. 

Then, one day later, he sent us a really rude, disrespectful email claiming that even this is his fault, he strongly believes we should choose him and accept what happened and continues the closing anyway. He also threatened us in the email that we should think about how much mess and issues may arise with the seller if we cancel the closing now. This email made us feel really hurt and uncomfortable. He didn't apologize for how much inconvenience may be caused because of his fault and how the extra cost may be an extra burden. His behavior also feels like a scam to us. We feel fooled by him and his company. 

We already spend more than {$1000.00} on the closing, with almost {$800.00} for appraisal and {$400.00} for inspection. Now we are in a dilemma : continue closing with him but actually feel fooled, scammed, and disrespected, and need to pay an extra {$2400.00} ; we're unwilling to continue working with someone disrespectful and rude. If not continue closing, we waste more than {$1000.00} and lose our chance to buy the house we want because the seller may not be willing to wait for another 1-2 months. 

We believe this is misconduct of the lender and his company. And we want a better solution to make us feel we are treated fairly and honestly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is 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 non-monetary relief
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, XXXX, and XXXX XXXX, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 2022-12-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
TO WHOM IT MAY CONCERN, it all started when they mailed my final loan modification documents to the wrong address. I completed my trial and continued to make payments because that's what i was told to do by an agent from XXXX. They returned my last payment and told me because that i was denied because they never received the final documents. I told them i never received them they told me sorry we cant help you i begged them to allow me to keep my current trial and for them to resend the documents they refused. At that time i was up to date with my payments. I kept reaching out to try to negotiate months have gone by with no response from them at the end of XXXX I received a call saying that i had until XX/XX/XXXX to give them {$19000.00} to reinstate my loan modification. They gave me 3 days to come up with all money when months before they turned me down day after day month after month. Then they reached out saying we can give you a couple more days which at that point another month was added they asked me for {$23000.00} Then they reached out to me when i told them that was impossible they told me sorry that's all we can do. If they had good faith they should of postponed my sale date and its active for XX/XX/2022. They just want me to loose my home they have been playing with us all this time taking advantage of us. I was on time to solve this back in XX/XX/2022 but instead they dragged me up to XX/XX/2022. I did advised them that i was willing to start fresh they are ignoring us at this point I keep asking for an update on my auction and no one has even gotten back to me. All they want is to take my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: FL
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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
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:
I have submitted my Affidavit of Truth multiple times. Transunion has failed to respond. 

A Un-rebutted Affidavit STANDS AS TRUTH IN COURT. 

TRANSUNION has committed aggravated identity theft. TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA. TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS. 

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON.

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 2023-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Chrysler capital has opened and closed my account many times just to keep this debt on my credit, they also are showing that this debt was set on 84 months and that loan was a 72 month loan. They are also stating that the last payment was in XXXX and the last payment was in XXXX. This account has been closed 7 years and I have disputed this account many of times. They charged this debt off in XXXX and it should have been removed from my account this year ( XXXX ) but it hasnt been able too because Chrysler capital has made failed statements on my credit about the account for it to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX # XXXX XXXX  WV XXXX 15 U.SCode $ 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 receiptIt 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 relatesNEVER 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 THEFTAs a consumer lam 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 explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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:
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, Account name : XXXX XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-07-19
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 OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$940.00} {$940.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$940.00} {$0.00} Credit Limit : {$600.00} {$600.00} Past Due : {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK XXXX RESPONSE XXXX XXXX XXXX C XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

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 und 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 federally protected 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 2023-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 item 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX ACCOUNT : XXXX Closed Account number XXXX The day I received the letter charging the first late fee, I went to XXXX in XXXX XXXX to pay directly to them, I went to the counter where they have the perfumes and coincidentally the same lady that had sold it to was there, I talked to her and I explained to her that I wanted the late fee to be waived, she said she was going to help, she called the credit card and she was put on hold for a long time and then I told her that I had to go, so I gave her my cellular number and asked to call me if she get any news, when I was driving she called and said that she had taken care of the problem and the fee was waived. 
I have always maintained that I paid the principal amount and there only was one late fee, which I had the impression that it was waived, they started charging late fees on the late fee, but I wanted this account off of my Experian credit report so when I received the settlement offer I took it. Looking at my Experian report, there are discrepancies : the charge off 's that you could find up to XX/XX/XXXX have been removed it says now ND and they have only one CO on XXXX XXXX, and before my original complaint it was CO all the way instead of the ND that they have now. 
The Fair Credit Reporting says that information on a credit report has to be " timely, verifiable and accurate ''. They changed the data, what they did was they created false data saying that they hadn't reported for 18 months and only report one CO in XX/XX/XXXX so they made it inaccurate, incomplete and is no longer fair and I do not know how legal it is. 


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 2021-12-17
Company: Alpha Recovery Corp
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Due to Covid I was laid off and fell behind on a personal loan with XXXX in the amount of $ XXXX. I tried numerous times to work out an agreement with XXXX due to my unemployment circumstances. However, their method of providing assistance was granting a 3mth forbearance which included my monthly payments being higher once the forbearance ended. Needless to say I declined the assistance as it predatory and it would only put me further in the hole with them. My load ended up being delinquent and they turned it over to Alpha Recovery Corp . I worked out a settlement with XXXX  for $ XXXX with the agreement of a letter sent from XXXX stating the account has been settled/satisfied for the agreed amount and closed with XXXX balance. I had to follow-up on three separate occasions for the letter and once I received the letter it stated the opposite with me still owing a balance of {$5500.00} and not reflecting account as closed and updated to the all three credit bureaus. I call XXXX and spoke with XXXX XXXXCollection Mgr. informing her the letter in question was not correct as it has incorrect information from what was agreed upon at time of settlement. Ms. XXXX stated the letter was drafted by their legal team and was correct. I'm filing a complaint with the AG 's office for unfair and deceptive practices by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation