BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have go into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Specialized Loan Servicing Holdings LLC
State: NJ
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:
XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my XXXX XXXX  XXXX Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my SLS mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he XXXX  XXXX XXXX and SLS mortgages were paid off in XXXX on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.

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 2020-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my XXXX XXXX XXXX Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he XXXX XXXX XXXX and XXXX mortgages were paid off in FULL on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX Cap One Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My complaint is with XXXX credit bureau. Every time I submit a dispute about information not belonging to me there always trying to block what I send. I am a victim of identity theft and Ive sent everything they have asked for from confirming my identity to submitting police reports and ftc reports and all. Recently I submitted paper work to have things blocked on my report and again I sent all the right paperwork over and they still tell me there not going to block it because they need more information which I sent them. XXXX  has been giving me a hard time for the past few months and its getting out of hand soon as I dispute something that was not mined they says its accordance they agree with the other side even when Ive submitted proof to them and court papers and all but yet there still taking there sides and even lowering my credit scores. My XXXX  lock was taken off a couple of times and I couldnt lock it back. Im tired of XXXX being biased towards me then has to end. I will be submitting a cease and desist order to XXXX  as soon as I finish my motion in court if this does not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: RI
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:
Recently applied for VA home loan and was told that I had some collection or derogatory marks which I did not recognize. I believe these accounts were opened fraudulently without my authorization. They are reporting as XXXX XXXX XXXX, 08 XXXX XXXX, 10 XXXX, 11 XXXX, XXXX  XXXX. None of which I have ever done business with. Please help me rectify this matter and get it resolved in a timely manner.

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 2018-06-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I had a mortgage on our home and decided to enlarge the house. We jointly applied for, and was awarded, a construction loan in XXXX. Both names were on the loan and both names on the deed to the property. Once construction & inspections were complete, the construction loan was transitioned into a 30-year fixed rate conventional loan in XXXX. The loan had only my husband 's name on it, but both names on the property deed. We were told at closing that it didn't matter if my name was not on the loan, that if something happened to my husband I could assume the loan. Late XXXX, my husband abandoned the property and our marriage. Our divorce decree granted me full, exclusive use of the house. I contacted Wells Fargo Home Mortgage about assuming the loan. I was told that could not be done because I wasn't a co-borrower. Refinancing the loan could not be done because the property was " under water '', " upside down '', etc. There was a HAMP modification done in XXXX under my ex-husband 's name. 
If Wells Fargo XXXX had just allowed my name to be on the loan as a co-borrower, it would have saved me so much stress. Once the modification was done, the loan was never in arrears because I was the one responsible for the payments. 
Now in XXXX, the value of the house is still approximately 10 % " under water '' and my income has not kept up with the increases in the interest rate set forth by the HAMP modification. 
I can't do a modification or apply for assistance through a government program because of the criterion that the borrower must reside in the primary residence. I'm a homeowner, but not a borrower. 
The loan has since been service-released to 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 2021-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have disputed the fact that Portfolio Recovery Associates, XXXX has NO right to collect on any debt in my name. I affirm nor deny any mentioned debt. Attached is an attempt to collect a debt claimed owed by me by a company impersonating a law firm. Under FCRA 15 U.S Code 1692e ( 3 ), the use or impersonation of a government or law firm entity is violation of my rights and subject to litigation. I am demanding that this entry be deleted if need be from my report and Portfolio Recovery Associates compensates me no less than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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:
Experian has 3 inquiries on my report that I did NOT authorize and these creditors do NOT have a permissable purpose under Section 604. Again, I DID NOT AUTHORIZE the following inquires : XXXX XX/XX/2018 -- - XXXX XX/XX/2018 -- - XXXX XXXX XXXX XX/XX/2018 I am requesting under the law for them to delete the above inquiries

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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
On XX/XX/XXXX I contacted XXXX XXXX in XXXX, FL. regarding an account. I was unaware of this delinquency until I obtained my credit report. Apparently my husband had established this account in my name. 

I asked XXXX XXXX if there was a settlement amount and they replied that there was. I paid the amount with my XXXX Debit card. A few weeks later this account still remained on my report as derogatory. I filed a complaint with TransUnion. It is still there. I contacted XXXX XXXX on approximately XX/XX/XXXX and spoke with their representative. I told them it had been quite a while and this was still showing negative on my report. " It's not 30 days yet, is it? '' I replied that it was paid. " Well, it's not 30 days yet. '' I told him that I wanted it off my credit report by the 30th day, XX/XX/XXXX. " We don't remove derogatory reports ''. 

My question is this : if it is paid to their satisfaction, why do I continue to be penalized with a derogatory mark on my credit report? I am working hard to re establish a good reputation and have paid all debts. I have not worked with a repair company to have them erase negative marks nor have I just let them expire. Shouldn't doing the right thing pay off? 

I appreciate anything that you can do to assist me in this matter. I feel that XXXX XXXX is holding my reputation hostage without cause.

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 2021-07-20
Company: CORELOGIC INC
State: WI
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 was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus. 

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. 

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud. 

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.

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 2019-11-18
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize.I am a victim of Fraud and I am protecting my credit file as much as I can. Please delete the following account 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 non-monetary relief
Consumer complaint received 2021-07-20
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is regarding an attempt to collect a debt that has been paid and discharged by the United States Government.

The problem is paying on a debt that by contract law and stated in attached documentary evidence the security interest giving under this contract secures this contract. According to congress Title 15 US Code 1605 explains that the finance charge is the sum of all charges. Which makes the documentary evidence void by law being that it doesnt apply with the laws giving. The charges in the documentary evidence states APR, Amount Finance, Insurance and more all being separate charges. 


In XX/XX/2015 I entered into a consumer credit transaction, ( Title 15 Chapter 41 1602l ). I presented my social security account number ( Title 15 Chapter 41 1602j open ended consumer credit plan ) that belongs to the Social Security Administration. I connected my XXXX bond ( House Joint Resolution 192 ) of discharged in the United States on the document and claim my rights under Senate document 43, 73rd congress who states all debts under United States consumers are prepaid. Only I paid statements that I was not obligated to pay and are returnable to consumer and natural person congress also states in Title 15. 15 US Code 1692h multiple debts, in dispute of debts all payments given apply to the consumers direction.

Santander Consumer USA I am submitting this complaint as a federally protected consumer. Under Title 18 US Code 8 the United States is responsible for all obligations occurred by the consumer. Under 12 US Code 1825a, d, all obligations under my bond are exempt, full faith and Credit of the United States is pledged to pay obligations. Act 1882 Bills of Exchange defines the signer being the giver of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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:
There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$2600.00} XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$21000.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2022-08-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good Day, Experian and XXXX has been contacted to remove the following accounts for fraud : XXXX XXXX XXXX - XXXX XXXX Balance {$6900.00} XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX {$0.00} Pursuant to 15 U.S.C 1681 a ( 3 ) - Experian and XXXX  assumed the role to report on my behalf and was not given permission to report fraudulent/false information on my consumer credit report. I was not contacted about the above information and did not give Experian permission to report the above accounts and will require the harmful information to be deleted immediately. 

Pursuant to 15 U.S.C 1681 a ( 4 ) - There is a need that consumer reporting agencies exercise their grave responsibility of fairness, impartiality and a respect for the consumer right to privacy. Experian and XXXX was not fair with reporting the above information because my request to have the information has been ignored several times and they have not considered that above accounts does not belong to me, making them impartial. 

Pursuant to 15 U.S.C 1681 b ( 2 ) - Experian and XXXX assumed the role to report this harmful information to my consumer credit report. I never instructed them to create this report and I never consented to the information above being furnished on my behalf.

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 2018-12-27
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I realized after I made my XXXX payment and it got returned that my identity has been stolen, I have a fraud alert on my credit report, so when I remade the XXXX payment on XX/XX/XXXX, I included the {$30.00} NSF fee With my payment I was remaking. I thought we were square there was no issues I was wrong. 

Since having my identity stolen weve struggled with bills a little bit and Ive been making that payment later than the 10 day grace period. And when I have Ive been including The difference in payment with the car payment, Normally the car payment is {$500.00}, In XXXX I made the payment of {$530.00} They credited the entire amount to my account and still leave me hanging with that fee, None of the other lenders I have car loans with did that to me its only Santander, Same thing happened in XXXX when I made the payment later than the 10 day grace period, So when I look at my statement this month It says {$130.00} in fees and charges XX/XX/XXXX I made My payment {$530.00} XX/XX/XXXX I made my payment {$590.00} XX/XX/XXXX I made my payment {$520.00} XX/XX/XXXX I made my payment {$530.00} Which totals {$2100.00} in payments Four payments normally would be {$2000.00} Which is a difference of {$150.00} that I included for late fees and charges that they credited to the principal and interest instead of crediting to the late fees and charges And if I wouldve discovered this back in XXXX I wouldve called then but calling and talking to them was like talking to a road sign I will include all the statements to show proof that I was doing the right thing and including fees with my payment and they didnt credit that way which is XXXX all my other banks did especially in light of the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have made regular payments as agreed with new servicer, Shellpoint Mortgage, however their records show I am one month behind. They have charged late fees after two months without resolution, I was forced to pay an extra payment to get ahead and avoid the late charges, hoping it would be resolved in the meantime. I was wrong. The company has been unresponsive via telephone, has hung up on me, transfer me to someone else and then start over as if no knowledge. I have spent hours on the phone with no resolution or real help. Was told someone would call back next day, nothing. I then called a Supervisor, who has been contacted on two occasions and has not ever responded. Wrote Error resolution notice letter, with my phone number, and they took over 30 days to respond and simply wrote back " unable to determine that any error has occurred ''. It's bad! There are so many errors and inconsistent reporting I wonder if the Servicing company is legitimate company or scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation