BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: Selene Finance LP
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After XXXX years of being together, my partner XXXX and left me with this hardship. I want to continue living in my house ; however, the servicer of the mortgage basically refuses to help. My loan at origination was a XXXX XXXX insured mortgage. In XX/XX/XXXX when my partner refinance our house, it continued to be a XXXX XXXX insured mortgage. Earlier this year I had my mortgage servicer, XXXX, process my application for the XXXX XXXX Refi ; however, while awaiting a determination, XXXX ( or whomever ) sold my mortgage to an investment pool and switched servicing of my mortgage to Selene Finance. Although my mortgage no longer shows up in XXXX XXXX 's database as current, per se, it is still insured by XXXX XXXX and the servicer has to follow the servicing guidelines. 
Selene had told me that they acknowledge that XXXX was being processed as a XXXX XXXX refi ; however, they will not be processing anything as a XXXX XXXX. They claim investor 's are not subject to servicing guidelines. 
Although I am fully aware that this agency can not tell a servicer ( unless its a XXXX ) which foreclosure mitigation options they must offer, your recent rule amendments in XX/XX/XXXX indicate that services must provide comparable foreclosure mitigation options ( and that you look at XXXX 's as the standard ). 
After Selene informed me they can offer what service foreclosure mitigation options they want and wont follow XXXX, I asked what foreclosure mitigations do they have? Are there any options that exists that is similar in nature as I want to keep my home? No meaningful information was forthcoming. 
Moreover, I asked if there was anyway I can view these foreclosure prevention plans that they do offer - I even asked if they publish it anywhere, including online. They stated no, they do not have this information available to provide. 
These actions are in non compliance with the rules of regulations under your authority. I am about to lose my house as a result of businesses being allowed to run amok to the detriment of citizens like myself. Unfortunately for me, I am a long-term, XXXX XXXX and XXXX, and I will impacted more severely as a result. 

No meaningful action has been taken by Selene regarding my hardship and the obligations required upon them. 

Lastly, I am attaching a copy of a Securities instrument proving that my mortgage is still insured by XXXX XXXX. My loan # with Selene Finance correlates with the Securities instrument attached issued by XXXX XXXX proving my statements. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2018 I deposited a business check accidentally into my checking account. This was a cashier check. Santander credited me the funds but two days later noticed the mistake and took the funds out. Since then I have been trying to get them to return the funds. I was told to wait 30 days and they will mail me a check. Didn't happen. I was told wait longer and they will be returning the check back to XXXX XXXX ( issuing bank ) via ACH didn't happen. I contacted the OCC to file a complaint. At that point someone from their executive office contacted me and told me that they spoke with XXXX and will mailing them a check payble to XXXX XXXX and that XXXX then has to deposit the check and credit their customer who purchased the cashiers check. They have attempted to do this 2 times now. Both unsuccessful and XXXX has confirmed to me and to their customer that they do not handle such transactions in other words they do not have any department that will do this since they cashed the check. 

The person who purcahsed the check has been in contact with their local branch over this time their branch has told them that Santander can mail the check directly to the brach and they can take care of it from there. Santander refuses to do this they continue to hold these funds. I need this issue resolved already its been 6 months!

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 2021-07-21
Company: Experian Information Solutions Inc.
State: IA
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 sent a dispute letter to Experian pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.

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 2018-12-29
Company: FC HoldCo LLC
State: VA
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:
In XX/XX/2018 XXXX XXXX XXXX pulled a credit with out my consent or authorization I would like this inquiry removed as it's affecting my credit.

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 2017-09-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, XXXX I made a purchase for {$61.00}. XXXX at an XXXX XXXX XXXX store at the mall near my home in XXXX FL XXXX XXXX XXXX XXXX. The sales person asked if I wanted to open a XXXX Credit Card and I said that I did not because I travel a lot and have a hard time keeping up with small amounts on credit cards and instead preferred to put everything on my XXXX and auto pay through my bank. She persisted however and even misrepresented that if I opened the account I would still be able to apply the charge to XXXX card which turned out not to be the case. XXXX days later I paid {$32.00} towards the {$61.00} which gave me a balance of {$29.00}. I was then late with next month 's balance because I was traveling and received a late fee and minimum charge ( whatever that is ) they reversed the late fee but not the min fees although they did give me a credit of {$.00} on finance charges which I had not been charged which was a bit confusing. I paid the new balance of {$31.00} and somehow ended up with a balance due of {$.00}. So with a balance due of XXXX cents they continued to charge late fees and minimum charges and finance fees until I ended up with a balance of {$56.00}. Honestly, I had not given the account another thought because in my mind it had been paid because when they said they would reverse the last set of late fees ( that had been added to a XXXX cent balance ) I was unaware that they would only reverse XXXX cents of a XXXX dollar minimum fee charge. When I called to settle the confusion, they refused to do anything about it and threatened me with continued late fees and interest if I did n't pay it. I was angry and demanded they close my account and subsequently wrote a check for {$56.00} and mailed it along with a letter to the president of the company, XXXX XXXX XXXX explaining the abusiveness of his credit arm XXXX XXXX. I have n't received a response but did get another call from XXXX XXXX today from an abusive rep who announced that my new balance is {$89.00} XXXX keep in mind this is on a XXXX cent balance ) and kept putting words in my mouth like " I am noting that you refuse to resolve this ''. I am attaching the print out of my account activity in support of the way this account has been handled as well as the XXXX spreadsheet I did to show the current balance after each transaction. I have also include my letter to XXXX XXXX, president and CEO of XXXX XXXX. I do not know what the law is but it can not be in support of this kind of abuse towards consumers and I appeal to you for some kind of help in resolving this. I have an excellent credit standing and pay my bills but refuse to be a victim of such practices. Thank you in advance. Please do n't hesitate to contact me if there is anything else you might need from me. XXXX XXXX, XXXXXXXXXXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo- I sent {$500.00} via XXXX to someone for a puppy purchase on XX/XX/2020 and discovered I have been scammed. Sent them proof I was scammed and was told they are not responsible and could not help me. I filed a complaint with XXXX to discover this company is a whole scam.I advised XXXX and Wells Fargo if this also. No response I also reached out to XXXX about the gift card being scammed no help

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 2017-09-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
1. Put me in forbearance for delinquency when no payments have been missed or late 2. Redesignated lump sum payments to paid ahead purposefully made in not paid ahead status with a permanent do not pay ahead selected on account prior to lump sum payments 3. Combined loans into single payment when asked before and I elected to keep two separate pay dates 4. Cancelled current contracted pay as you earn program for 12th month ( XXXX 2017 ) because of recalculating payment under a new plan and telling me for the 12th payment I either have to be placed in forbearance for delinquency status or pay the standard payment for the month of XXXX and that the payment would not qualify under my Public Service Loan Repayment program. Would not allow for contracted income driven repayment plan final payment amount to apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theftt Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2017-11-14
Company: EQUIFAX, INC.
State: TX
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 'm not sure if my address keeps being changed due to the Equifax breach, but I can never access my report due to my information not matching what Equifax has on file. I have had to contact Equifax numerous times to ensure that my credit report reflects the correct information. I can not properly monitor my Equifax report when my information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: NC
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:
Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: NY
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:
According to the Fair Credit Reporting act, - 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

- 15 U.S.C 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights by reporting a duplicate account. 

XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  # XXXX, has violated my rights.

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 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.

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 2017-07-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These people keep leaving written notices on my door to contact the Mortgage company ( Carrington Mortgage Services ) regarding another borrower 's mortgage ( XXXX XXXX ). XXXX XXXX lived in the condo directly beneath me in my building. <P/>I have contacted these people by phone three times now asking them to stop embarrassing me with these notices since the unit I live in was purchased with cash by the XXXX XXXX XXXX and there is no mortgage. I have explained to them each time that the unit in question is the unit directly below mine. The phone number on the notice is XXXX I just received another notice today. I receive one of these embarrassing notices taped to my door every few weeks. <P/>Please understand that since this is someone else 's debt ( entirely unrelated to me ), I am unable to provide account information, amount owing, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
A line of credit or credit card was opened in my name on XX/XX/22 at XXXX XXXX XXXX for {$10000.00}. My credit report shows a balance due and that payments were late. I DID NOT request, receive, or use this line of credit. This is fraud and done by someone I don't know. It has negatively impacted my credit and put me in debt for an amount I DID NOT request, receive, or use. I reported this to Transunion and XXXX on XX/XX/22 and called and emailed the XXXX XXXX XXXX the same day. I haven't gotten any response.

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 2021-08-19
Company: EQUIFAX, INC.
State: MD
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:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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:
I XXXX XXXX I Didn't receive enough information to verify debt. Pursuant 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy, and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file. As a consumer I demand you remove the account. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) which comprehensibly state that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstance and no other and is in accordance with the written instruction of the consumer to whom it relates. Pursuant 15 U.S Code 1681a ( e ) which defines an ''investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ...., who may have information of any items on the file which you will have to show me proof via affidavit of fact under penalty of perjury.

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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.

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 2017-07-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I contacted Experian as they erroneously reported a Chapter  XXXX  Bankruptcy on my credit report. I have tried to have this erroneous information removed for well over 3 years. I have called, emailed, uploaded documents to their website, and sent them numerous certified letters to no avail.

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