BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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

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 2018-03-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XXXX we purchased a new 2017 Nissan XXXX XXXX and financed it with Nissan Motor Acceptance Corporation. 

When we were deciding on a vehicle, the salesperson informed us that the vehicle came with the Nissan Navigation System. The system is used in the vehicle for mapping as well as many online options through your smart phone. 

We tried to connect the system to use with our vehicle ( after purchase ), which included downloading the " application '' on the smartphone. 

I went to the Nissan website and referred to the instructions. The website also stated that this option is available with our vehicle. I tried to follow the steps to utilize the system. In the process, I spoke with a representative of Nissan, and she confirmed that the system is applicable to our vehicle. I tried and tried, finally getting to the point of inputting the vehicle VIN. It was at this time that the website indicated that the package was NOT applicable to our vehicle.

I feel the salesperson was misleading to us as well as the Nissa
n website, and again, with the rep from Nissan.

I feel this is false advertising as the system was one of the reasons we decided on this particular vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: HW Holding, Inc
State: IL
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:
They send me emails every other week or month about the debt owed. Numerous phone calls, theyve said you can be sued, impact credit if you dont pay now, you cant make a payment plan it has to be paid in full

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 2021-10-11
Company: WELLS FARGO & COMPANY
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX XXXX XXXX This is not 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 non-monetary relief
Consumer complaint received 2021-02-15
Company: BMW Financial Services NA, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After multiple discussions with BMW Bank of North America I asked a representative from XXXX ( personal bank used for bill pay ) to confirm payment was made twice for the period they accused me of being delinquent. BMW agreed payment was made and updated my account but reported it against my credit with a massive impact to my score ( 60 point drop ). This is a concern not only because they reported incorrectly that I was late ( proved this via XXXX rep ) but also because they accepted the payment and told me I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got multiple invitations from Citi diamond card that I am part of a select group to invited to ask for a Credit limit increase with no effect on my credit score. Citi diamond kept bugging me sending multiple letters and emails encouraging me to ask for an increase. I thought well i'll do that just to stop the stream of mail. I log to computer & it auto-fills my password and takes me to Citi Costco Visa Card. I got wrong phone #. So I call tell the Agent that I am calling in about the invitation to ask for a credit card increase without a credit check. He puts me on hold then he comes back and says " okay, let 's start that, so you want to ask for an credit limit increase? '' He should have said I don't see that offer!! He runs a hard credit check and it's rejected so Citi Diamond got me hit this hard credit check because I mixed up Citi phone #, Costco Customer Service agent at Costco not paying attention at all

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 2021-10-11
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 a collection from XXXX in the amount of {$460.00} was reported n my Equifax report. I reached out to Equifax to dispute the account being reported. I was advised to reach out to the creditor ; I then spoke with the collection company who then advised me to speak with the creditor of which I did who couldn't provide me with proper identification that the account was validated to be mines and to reach out to the credit reporting agency Equifax. I reached back out to Equifax who advised me to file a FTC report. I have filed a FTC report, I have then reached back out to Equifax on severals times to check the status of the disputes. They will advise me to file a new FTC report to reflect different things. On XX/XX/2021 I contacted Equifax again and the rep stated that because I didn't put a period on one of the sentences that they wouldn't accept it. I then updated the FTC report and faxed over. I contacted Equifax on XX/XX/XXXX, XXXXand the rep told me she sees all the required documents they requested and that they mishandled the information and unfortunately she couldn't remove the information off my report. I then reached back out to the same day and spoke with the Supervisor XXXX who then stated the samething and advised me to update my FTC to reflect the account number of the collection. I advised him that his issue has been an ongoing situation and I needed this to be rectified asap. I updated my FTC report to reflect everything that was advised to do but Equifax has filed to properly handled my file.They had prolonged the investigation of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
First, I am a victim of identity theft. On XX/XX/XXXX I sent a notarized personal statement to Transunion listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XX/XX/XXXX I received an Transunion credit file. This credit file still shows 1 fraudulent address ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX ), 1 fraudulent account ( # 1 XXXX # XXXX ) and 2 fraudulent contact/phone numbers ( XXXX + XXXX ) and 4 fraudulent employers ( # 1 XXXX XXXX XXXX, # 2 XXXX  XXXX, # 3 XXXX and # 4 XXXX XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX) which means Transunion is in violation of the Fair Credit Reporting Act.

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 2018-04-16
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dovenmuehle Mortgage , Inc. failed to provide notice they had sold my mortgage to another lender. I learned of the sale while attempting to make payment on the debt to them. 

Their failure to provide sufficient notice may lead to a late payment ( accounts have to be setup, and managed for a new company, need to obtain new loan info ... right now and I don't have the time budgeted to accomplish these tasks ). Yeah, I'm on hold with the new company right now because the new company is " experiencing longer than normal call times '', and I am concerned with the potential for a negative report on my credit because of this fiasco. Any help? 

I only elevate it to the CFPB because this company has previously reported false negative information to the credit bureaus following an error with their phone pay system. By refusing to retract the negative information they have effectively barred me from shopping for an alternative lender. Pretty darn unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: AR
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:
FINAL NOTICE TO BANISH MY CREDIT REPORTS/FILES FROM MY CREDIT PROFILE FROM YOUR DATA BASE AS XXXX IS TRYING TO DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I made a payment and did not get a confirmation, and assumed the payment did not through, and proceeded to make a second payment, this time obtaining a confirmation number for the payment. 
I called customer service to confirm whether they had received one or two payments. I was informed they had received two equal payment, I requested for them to cancel one of the payment since it was a duplicate. 
On XX/XX/XXXX, {$3500.00} were drafted from my checking account. However, Shellpoint, reverse that payment on their end, and did not apply the credit to the loan account. They dispute that they never received the money, however, supporting documentation from my bank account shows otherwise. 
I have called for 4 days, sent faxes, emails, submitted requests from their online portal, called numerous time and no one knows what to do, how to fix this. 

The account is now past due, and I am unable to make further payments until I pay at least 50 % of the fees due according to their records. 

Shellpoint claims the never drafted the money but can not prove it. I have proof that they did take the money out, and did not applied to the loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a partial mortgage payment of {$800.00} electronically through my XXXX XXXX   account, that was accepted by Franklin American Mortgage Company on XX/XX/19. They still have not credited the money to my account or returned the money to me. They say that they can not locate my money because it was a partial payment. I have gotten a Proof of Payment from my bank and faxed, emailed, and sent by mail to them. They confirmed that they got the form but have stated that they need more information than that. I even spoke with XXXX XXXX and Franklin American Mortgage at the same time ( 3 way call ). Nothing was resolved. I have been given no answers. Now I am behind on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
upon checking my credit i see i have fraudulent accounts on report. i reach out to have problem fixed but didn't get any 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 2019-05-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have requested multiple times that that Shellpoint report my tradeline to the credit agencies. It refuses to do so based on the fact that I filed a Chapter XXXX in XX/XX/XXXX. At that time my lender was XXXX XXXXXXXX XXXX. I reaffirmed my property and continued to pay my mortgage to XXXX XXXXXXXX XXXX. In XX/XX/XXXX I filed a Chapter XXXX. My mortgage WAS NOT included in the Chapter XXXX. XXXX XXXX XXXX appeared at the hearing and did not dispute the filing of the Chapter XXXX. XXXX  XXXX XXXX then sold my loan to Shellpoint mortgage in or about XX/XX/XXXX. I continued to make my mortgage payments to Shellpoint since that time. I am now discharged from the Chapter XXXX and I have submitted to Shellpoint my final accounting from the Trustee that shows my mortgage was not a part of the filing. Shellpoint refuses to report my credit history stating that I never reaffirmed from the Chapter XXXX filing. I have been paying my mortgage to Shellpoint for five years. Shellpoint has also approved me for a loan modification in XX/XX/XXXX which I refused. As such my mortgage payment is officially reaffirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
NUMEROUS VIOLATIONS OF REGULATION Z DOCUMENTED ADMITTED ... NEVER CORRECTED AS REQUIRED UNDER REGULATION Z XXXX XXXX, NATIONSTAR, XXXX XXXX, XXXX XXXX .... SEE ATTACHED FROM XXXX XXXX CIVIL CASE 2019 CA XXXX .... THE STATE OF FLORIDA TOOK IT SERIOUSLY ... LAST CHANCE FOR THESE DEFENDANTS TO COMPLY VOLUNTARILY ... SUMMARY JUDGEMENT HEARING ALREADY REQUESTED ... .THIS IS ONLY PART OF THE EVIDENCE WE COLLECTED ... THERSE DEFENDANTS WERE VERY BRAZEN IN THEIR DISREGARD OF THE TILA.. THEY THOUGHT DECEPTION MADE THEM IMMUNE ... IT WAS JUST THE OPPOSITE ... THE EXTENDED FRAUD EXTENDED THE STATUTE OF LIMITATIONS ... THE TRUTH WOULD HAVE SET THEM FREE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: REMAX
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In addition to a recent rental application, there were two inquiries regarding purchase of land in Virginia and/or a newly built construction home in Tennessee. The land inquiry in Virginia was halted upon asking for a title search and the information attached to the ad will be contested ( in a separate consumer inquiry ) on the basis that the information is inaccurate and/or does not correspond with other historical documents. 

Therefore, this consumer concern addresses the new construction home as a second home purchase in XXXX, TN. In speaking with the Re/Max agent ( s ), this subdivision is pre-qualifying buyers for pre-sale of these newly constructed homes. In consideration of such previous incident ( s ) with the rental, I am submitting to Re/Max additional documentation that may not be supported on my credit report ( s ) because an accurate pre-qualification notice would not be yielded otherwise as seen with the rental application for the XXXX, VA location.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: LendUp Loans LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took a loan out for XXXX and it was set to take out on XX/XX/XXXX. I called in on XX/XX/XXXX to have it extended to my next pay date of XX/XX/XXXX. Now before this call I already called in previously to inquire my options so I knew which option I was going with as the rep was also aware upon reading the notes. Upon getting off work I saw my account was drafted Saturday. I called no one was available on Saturday so I sent an email in regards to the issue. Sunday I received conflicting information from a rep advising XX/XX/XXXX could not have been my date and I requested them to review the call.i advised there was no way I requested to pay two days later. I called in Monday spoke with a rep who was unable to assist me. I asked to speak to a lead or supervisor and she advised I couldnt speak with one until two days. I advised her my account has pending charges and I am going to be charged fees and she said she couldnt do nothing and released the line by hanging up on me. This is unacceptable and poor customer service. I asked her if she knew a supervisor wasnt available when would one be available she said in TWO DAYS! And proceeded to hang up in my face because she said she didnt know what else to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been attempting to modify a mortgage out of forbearance since XX/XX/2020. The communication is purposely evasive. I receive USPS mailed letters indicating my application is incomplete. The letters do no indicate what is missing. The only way I can determine what is missing is by calling the company and have a representative manually review my application to determine what is missing. Every time I call I am forced to hold for 30 minutes or more. Every time I call I get conflicting information regarding what is required of me. 

The representatives have a hard time understanding what is being requested of me. In multiple occasions I have submitted a letter of explanation to satisfy the requirement. In each instance it is explained that I must submit a different letter of explanation. 

I would assume there is an effort from this bank to prevent mortgage modifications from moving forward. The

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 2021-10-11
Company: AES/PHEAA
State: CO
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I formally request the removal of late payment from this record. I don't think I was late in the months reporting. 90 and 120 days overdue which is actually published on my credit report appears inaccurate and or misleading. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : FEDLOAN SERVICING**** Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed FEDLOAN SERVICINGXXXX Opened XXXX XXXX, XXXXBalance {$0.00} Late Closed FEDLOAN SERVICING*XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed FEDLOAN SERVICING**** Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed FEDLOAN SERVICING*XXXX Opened XXXX XXXX, XXXXBalance {$0.00} Late Closed FEDLOAN SERVICING*XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: Experian Information Solutions Inc.
State: CA
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 and experian both continue to display an inadequate and fraudulent collection account on my credit report. XXXX hospital does not handle there own collections and as a result of a favorable dispute filed against XXXX XXXX XXXX for an account that was completely covered my my XXXX   XXXX XXXX XXXX XXXX XXXX active during the alleged incident the account can only be labeled as a billing error on XXXX hospitals end or ID theft of some sort. 

XXXX XXXX XXXX now displays the collection under the hospitals name but with there adrress. 

That on its own is out right fraud.

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