BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: Santander Consumer USA Holdings Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
Documentation from the lender was sent over to get signed and authorized for an extension to pay the monthly bill due to COVID-19 relief. 

The document was signed on XX/XX/2020, and returned to the lender. 

Per the document the following months were going to be extended : XX/XX/2020 XX/XX/2020 A few months later the lender reported to the credit bereaus that there was a missed payment for the month of XX/XX/2020 affecting my credit to drop several points. 

I sent the lender a letter to dispute the reported information, but did not hear back, so I submitted a Transition dispute, but nothing got resolved unfortunately. 

At this point the payment has been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions Inc.
State: IL
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 was a victim of identity theft due to a massive data breach via XXXX and other agencies. My personal information was compromised and accounts and other items were opened in my name. I attempted to resolve the issues with all three credit reporting agencies. Even after submitting police reports, FTC affidavit and other items, the three credit reporting agencies refused to removed the erroneous accounts from my consumer 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 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
My credit was up with transunion report, we bought a home, did not open any new accounts, and its dropped 100 points. Transunion has always been much much lower than the other two for whatever reason and it cost us a conventional loan.

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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is regarding a mortgage I took out on a house, with the closing date on XXXX. 

Prior to the decision to take on a mortgage from Bank of America, I received a loan estimate from Bank of America with a rate of 2 % and a lender 's credit of around {$11000.00} with that rate ( see attachment Loan_Estimate_2021 02 24.pdf ). I received a match of 2 % interest rate from XXXX as well, along with around {$6000.00} in lenders credit. I chose Bank of America because of the much higher lenders credit that they offered, along with their XXXX 's XXXX XXXX, which the load officer XXXX mentioned would cover up to {$7500.00} in closing costs. 

However, two days before the closing date, after many days of delay and silence from the closing officer, he sent me the closing disclosure ( see attachment Closing_Disclosure_2021 03 01.pdf ) that provided only around {$5000.00} in closing cost, less than half of what was initially mentioned in the loan estimate, which was supposed to have been " locked in '' per his own words. 

I tried to reach out to him multiple times after receiving the closing disclosure, and after numerous calls that went to his voicemail ( the contrast in responsiveness from the loan officer pre and post " lock-in '' was stark ), I finally got through, but he kept muddling about how amazing the rates are and that I should be happy. 

Yes, it was a good deal, but it was not what was promised by Bank of America in the load estimates. I was wary of Bank of America before making the commitment because of the complaints and lower customer service rating on the various sites ( at least than XXXX ), but I went with it anyway because of the {$5000.00} difference in lender 's credit. 

To add insult to injury, BoA is supposed to disburse part of the lender 's credits to cover the first year 's home insurance ( see Closing_Disclosure_2021 03 01.pdf again ). Three months later, I received a notice of non-payment from the insurance company. I called customer service, which re-directed me to the loan officer, who re-directed me back to customer service ( in an E-mail that said " xxx-xxx-xxxx CS '' ), who then re-directed me to my title company to ask them to see if they paid the insurance on my behalf - do they not have a record of whether they disbursed the insurance money from the lender 's credit pool? 

Meanwhile, they took out a chunk of the escrow to cover the home insurance, which isn't supposed to happen until next year, so I'm short a further {$1000.00}. The whole thing feels more and more like scam.

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 2020-05-22
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: Information belongs to someone else

Complaint:
I've disputed these student loans for months. These are not my accounts an effecting my credit worthiness. XXXX has been the only Bureaus who's removed most of them. Please assist me in getting this resolved. I was referred to this site as the last resort to bot getting thing fixed.

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 2020-12-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account started with XXXX XXXX XXXX XXXX  ..This company that handles im assuming that XXXX XXXX gives there bills over to ... Didn't inform me of what this was until it showed on my credit and being after the fact was bullied into pay or it will cause more negative impact to my life and my credit report and score .They also use another company associated in florida thats damaged my credibility with my credit report ... This has been addressed if both company would have just done some basic investigation into this ... Would have found that I was the renter of said car..But I gave no other person Authorization to drive this rental while I was 3000 miles away whenever this car was damaged and the person Whom was driving was in the car and was in the police report and no relationship to me gave wrong information to police when asked ... So now this company after XX/XX/2018 decided to whom can we bullie to pay up..? .. well since there's no bullying going to happen or threatening manner to me they decided to after 2 years report it to my credit report?? No this will not be put on my report years later or in the near future ... ..Its been disappointing that it needs to come to this ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Contacted Midland credit management and ask them to report that I'm making payments on the amount old. and they refuse to report that I'm making payments and said they do not have to report that I am making payments. 
M y account is no longer negative and IS revolving and should be showing a positive or a percentage paid and it is not doing so so. I'm demanding they either remove the entire amount off my credit or they show proof that I'm making payments and that my credit is in good standing. They are hurting my credit unfairly and unjustly!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
they charged me overdraft fees and a XXXX extended over draft fee and now i cant use my debit card even though i have card protection i call them they did nothing to help. I was in Texas during XXXX XXXX they claimed to have no over draft fee for a curtain time frame but i was charged

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was using the online bankiing today and saved my online statements and the american express system blocked my card and they are asking to call a phone number again I signed up for a online banking account, not a mobile or phone banking account I'm travelling for business and I do not use the phone, instead a I use the internet banking I can confirm my identity by sending a copy of my document id, a passport they block accounts randomly without a reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX bank account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ( FTC ). THE FOLLOWING ADDRESS ARE NOT MINE PLEASE REMOVE :XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries repeatedly reporting on my credit report from XXXX XXXXXX/XX/XXXX on my XX/XX/XXXX Credit file and I never authorized or applied for credit with that company.

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 2020-12-07
Company: LD Holdings Group, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Applied for a mortgage refinance with Loan Depot in XXXX. The application process was tedious but, normal enough. Closing on the mortgage has been an extreme challenge, some attributable to the pandemic. We were initially supposed to close in late XXXX. Due to delays on the Loan Depot end it has been pushed out or rescheduled 5 or 6 times. We finally signed the closing paperwork virtually on XX/XX/XXXX. Loan Depot should have paid off current mortgage holder on Friday XX/XX/XXXX ( due to XXXX XXXX. In the week since that has happened, and again after we have signed the closing documents, Loan Depot has requested more signatures and acknowledgments and new pay stubs but, still as of today XXXX has yet to pay off my current mortgage. I have had to now pay my XXXX and XXXX mortgages to the existing lender and of course Loan Depot will expect their first payment still on XX/XX/XXXX. This process has been nightmarish to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: AL
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 regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
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: Account information incorrect

Complaint:
Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Consumer Adjustment Company Incorporated
State: VA
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 am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) CONSUMER ADJUSTMENT CO ( XXXX XXXX XXXX ) SEE  ATTACHMENT 3 ) XXXX XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV
form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported
within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Aldridge Pite, LLP
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A pretend-trustee named XXXX XXXX XXXX registered in many states, based in XXXX XXXX California, is foreclosing illegally on my home. They have never produced any evidence that they have authority to foreclose, and have not even filed an appearance in my current Alaska Bankruptcy Case # XXXX, and have not even filed a Proof of Claim.

This purported trustee is not representing any named trust and is not an actual trustee of any IRS registered trust that holds my mortgage, and has not produced any evidence to this effect.

No assignment of the mortgage on my home to XXXX XXXX XXXX was ever recorded or claimed, or even pleaded by XXXX XXXX XXXX to this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid the loan in full on XX/XX/XXXX. An escrow balance of over {$2000.00} was due to me within 30 days, based on the Real Estate Settlement Procedures Act. 

In late XXXX XXXX XX/XX/XXXX XXXX, I had still not received a check for that amount. I called and they said they sent it ( yeah right ) but would cancel it and send me a new one within 10 business days. 

Its XX/XX/XXXX and I still have not received a check. 

The fact that this company can operate is a wonder. This is one of many issues Ive had with this company. They mismanage money and are fraudulent.

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 2018-07-22
Company: WELLS FARGO & COMPANY
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:
Credit inquiries are not accuarate..

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