BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The credit bureaus never did a proper investigation according to the FCRA In accordance with the fair credit reporting everything has to be a 100 % accurate on my credit report The credit bureau 's stated my account was properly investigation but how is that possible if the open date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

In accordance with the fair credit reporting at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states I have 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-03-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-04-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Loan Servicing is a white collar crimes slimy operation with several legal troubles because the slimy operation and its shady lawyers are using forgery and fraud, manufactured documents, slander of title, malicious threats, violations, embezzlement, manufactured force place insurance policies, false principal balance, false payment history and other fraudulent fronts, and then uses its cozy relationship with slimy white collar crime operation XXXX and the XXXX XXXX XXXX as a weapon against me committing fraud in the county recorders office slandering my title threatening me with the illegal seizer of my home claiming to have person knowledge and have reviewed all the phony fraudulent manufactured documents using malicious threats threatening the loss of my home if I don't pay the pretender lender loan servicer hundreds of thousand of dollars in increased principal balance balloon payment loan modification releasing shady Ocwen from liability. For once, XXXX XXXX is correct we will address all of these fraudulent fronts with evidence before a grand jury, the California State Bar, the City of XXXX XXXX and the Police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Dear Sir/Madam, I am writing to dispute a charge on my AMEX account XXXX 
Despite the fact that I have forwarded all the communications to dispute department it seems that AMEX dispute dept are just ignoring it. Below I will try to explain briefly. 
The transaction in question is listed on my account as XXXX XXXX XXXX XXXX of companies ( when googled you can see it as a scam company ) Contract which was signed by me XXXX XXXX, on XX/XX/2023 contains incorrect names that do not match the names of the parties involved in the agreement. 
Specifically my name XXXX XXXX is listed as XXXX XXXX. Since the names listed on contract are incorrect it is NOT LEGALLY BINDING, therefore I am requesting AMEX that the contract to be voided and charges reversed. 
I am requesting that this charge be removed from my account and any associated fees or interest be waived. I have attached a copy of merchants communications for your reference. 
Thank you for your prompt attention in this matter regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-09-07
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I hereby submit my complaints on how Gregory Funding has handled my mortgage ever since itwas transferredto them on XX/XX/XXXX. 

Complaint # 1 I requested for Covid forbearance on XX/XX/XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX and no Covid Code had been put on my account. I asked her to escalate my request because Gregory Funding had mailed out a " demand '' letter which was going to expire on XX/XX/XXXX. 
I called again on XX/XX/XXXX and spoke with XXXX. She confirmed that they had received my Covid questionnaire and all supporting documents and that they had been forwarded to loss mitigation for review and processing. I also told her that my tenant had received approval for the XXXX ( XXXX XXXX XXXX XXXX ) but we were yet to receive the funds. Therefore, it made sense to put a Covid Code ( Covid Forbearance ) on my mortgage account as we waited for the funds. 

I am disappointed at the slow pace that Gregory funding is taking to handle my mortgage account yet they do not hesitate to send out correspondence that supports them to initiate the foreclosure process on my mortgage account. 

Complaint # 2 Gregory funding also mailed me monthly mortgage statements that misrepresented my suspense account balance. By doing so, they violated the Federal Fair Debt Collection Practices Act & Federal Truth In Lending Act. 

Complaint # 3 I received a letter dated XX/XX/XXXX from Gregory Funding titled " Notice Of Insurance Escrow Cancellation ''. It stated " As of XX/XX/XXXX, we will no longer disburse funds from your escrow account ( also called an " impound ' or " trust '' account ) to pay insurance premiums for hazard insurance because : X We are terminating your insurance escrow. 

Before Gregory Funding assumed my mortgage, I had an affordable mortgage payment which included taxes & insurance. As of today, my mortgage property taxes & insurance are NOT included in my monthly mortgage payment. 

Efforts to resolve the above complaints by phone have been fruitless due to long wait times on the phone ( 2 hour hold times ). 

Expected Result From Gregory Funding : 1. Covid Forbearance : Review my account for Covid Forbearance ASAP and stop my mortgage account from progressing towards foreclosure.

2. Affordable Mortgage Payment : To give me an affordable mortgage payment that includes taxes and insurance.

3. Trial Modification : Put me on a TRIAL MODIFICATION Immediately. 

Thank you for considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.

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 2020-12-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/20 My Amazon.com Store card was closed by the the guarantor Synchrony Bank. I called them to ask why and they said because I paid off the card too many times that month. I explained to them that they had capped my credit limit at XXXX and during holiday season that doesn't cover it, so i pay off from my bank as I approach the limit. They said too bad. Even though this should make me a better merchant. 
I had {$840.00} worth of Amazon credits from purchases I made and was rewarded these credit/points for. They automatically cancel all credits when they close the card.

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 2019-11-08
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capstone Collections out of XXXX, FL. Their phone number is XXXX, Fax XXXX. Their address is XXXX XXXX XXXX, XXXX, FL. XXXX. 
They have been harassing me by phone in the past and are extremely unprofessional with resolving this false claim. They are falsely claiming that I owe them {$3100.00} to be paid to XXXX XXXX XXXX XXXX for not providing a prior 60 day move out notice, which was indeed provided and logged into the property managers computer in front of me in person due to my need for permission to get a full tractor truck onto the property for relocation by our employer. I rented a XXXX apartment unit for several years at XXXX XXXX. Capstone told me to prove that that we gave a signed 60 day move out notice from 5+ years ago, and to contact XXXX to get proof to resolve their collections and they will not stop the collection until I pay Capstone. This continues to show negatively on my credit report and I need it resolved asap. They claim that we did not give the FL. statute 60 day prior move out notice before we ended our lease. We did not break our lease and we did certainly indeed give a written Word document signed with more than 60 day notice to the assistant property manager at the time, XXXX. We never received a receipt for submitting a written 60 day notice from XXXX XXXX or XXXX XXXX, the process was to have it noted on our account. We did sit with XXXX while she put the notes from our written notice into the computer under our account. We were both witness to that. I have our lease document copies which I showed you showing a XXXX   balance when we moved out and we received our full deposit returned to us as well. We also gave her the name and date that our movers were scheduled to come relocate us at the end of our lease date so that we would not have issues with a large moving truck blocking our neighbors. After moving out, we also did the final walk through with assistant property manager and she stated that our unit was the cleanest move out she had ever walked through. We then gave her our keys and had a zero balance form printed out and given to us. I had our unit thoroughly cleaned and even paint touched up before moving out. The original creditor Capstone is fraudulently collecting for is now out of business since XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX.Capstone Credit & Collection , LLC is falsely attempting to collect a made up debt without proven  documentation for a creditor that does not exist anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: MN
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:
After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
First, the debt is over 6 years old. XXXX keeps selling it to different debt collects. I already informed one to stop calling me because I was unemployed and could not do anything at the moment. They continue to call me 4+ times a day. They have hung up on me when I ask for names and they now called me at XXXX PM on XXXX When I asked them why they were calling me after XXXX, they hung up. They called also today on XXXX at XXXX XXXX. I have asked them to stop calling me and they have called for the following days and times : XXXX XXXX AM XXXX XXXX PM XXXX XXXX XXXX pm, XXXX XXXX XXXX pm XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX am XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX om XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX at XXXX PM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 {$15000.00} ; I did a voluntary surrender in XX/XX/2022 and they waited 3 months to pick up the vehicle and started submitting my account as late payments XXXX. {$750.00} ; the original amount of the purchase was {$490.00}. They lied about the open account date ; this account is due to come off my credit report They have never upgraded the payoff my home which was paid off in XX/XX/2022 which was {$75000.00}. My credit score never increased after this payoff Remove the Hard Inquiries which I did not give written consent

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 2021-09-02
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After having difficulty getting a cosigner release form from Firstmark, I filed complaint # XXXX as they would not respond to me. They did provide a release form in their response to you but never sent it to me. On XX/XX/XXXX I sent them a completed application and the requested paystubs. The form requests my permanent address, not my mailing address, which I provided. My mailing address is listed on my paystubs as it needs to be to receive my paycheck. XX/XX/XXXX, Firstmark denied my application because the permanent address provided does not match my mailing address. My mailing address is also the only one they have on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My Home Equity loan servicing was transferred on XXXX from XXXX XXXX XXXX Specialised Loan Servicing LLC. Under XXXX my monthly payment was {$220.00} ( as agreed ) but Specialised loan Servicing is charging {$370.00} and also charged me interest backdating to the year 2009. 
My mortgage statement shows that I owe them {$40000.00} plus principal and the {$40000.00} needs to be paid immediately in order to make account current. 
I contacted my current servicer and tried to make arrangement to continue with $ XXXX monthly payment and told them that I disagree with the charges dating back to 2009.

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 2018-03-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need to know and for tax accounting I need to know the money that goes into my escrow and the amount that goes out of my escrow and where the goes to. 

Please note I have 3 Properties. 

I have 3 mortgage loans with Carrington Mortgage and have requested since XX/XX/XXXX ( today is XX/XX/XXXX ) a digest of XX/XX/XXXX payments into my account and out of my account. They referred me to research - I have faxed, written ( research does not take calls ). I call  and get referred to research, who does not respond. So I mail and fax my request to research. At this time 5 faxes. 

Today I got a call from Carrington and returned it as per the voicemail instructions. After 15 minutes of going through the process, I got a person. Explained, yet again, that I needed to know when payments were made out of my escrow account, to whom were the payments made. He said Carrington does not do this. 

This is completely unacceptable that a company can take my escrow money and make payments out, and not disclose for what and/or to whom the payments were made. Plus, the time and energy I have spent trying to get this simple information is not acceptable. I need to balance my escrows for tax purposes and need this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

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 2019-10-04
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a higher interest rate on my mortgage that qualified for a VA streamlined reduction. I tried to get it from my current mortgage servicer but they refused. They tried to tell me that no one would give me a lower interest rate than what they were offering. I got 3 offers in the mail that were lower. Freedom mortgage refused to match them. I got a lower offer and started the process. Unfortunately, Freedom mortgage is refusing to send by email my mortgage note in a timely manner to lock in the lower rate that they refused to extend to me. I feel they are deliberately slowing down my request, because they have told me that they could send it tomorrow then said Monday. I requested it initially on Thursday, XX/XX/2019. I should have had it today, XX/XX/XXXX. As I said - they refused to streamline my loan themselves, and now that I have a chance with another company, they are dragging their feet. I went through my paperwork and I do not have a copy of the mortgage note. They never sent me one.

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