BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: Spring Oaks Capital, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company is suing me in court. I sent a debt validation letter to them and to the court. I have not received proper paperwork within 30 days. I want the debt deleted and removed from my credit score immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan was sold to Carrington Mortgage. They are suppose to be applying the loan modification to my account to bring it current. They have refused to do this. They have had my loan for almost 6 months now. They also put me in a Covid-19 program. I never asked to be placed in this program, I never signed up for it!! They have threatened to foreclose on my home. I started making payments in XX/XX/2021 based on the loan modification set up with XXXX XXXX XXXX, I have been paying. Carrington Mortgage sent a letter today saying the Covid-19 program I signed up for has ended, they have been reaching out to me about making payments on my mortgage???!!!!! They have not reached out to me I have bene reaching otu them since day 1 and not one has helped me with getting the loan modification applied to my mortgage to bring the account up to date. I have spoken MULTIPLE times to XXXX XXXX with Carrington Mortgage. She initially told me they dont have the loan modification, I faxed what I had more than 50 times to them. She now says oh we have it, wejust needs to be processed.?? I feel like they are trying to take my home by not processing the loan modification. I got the letter about the covid-19 program today. That disproves anything she has told me. I need HELP. I am doing the right thing I am making payments like I should Carrington Mortgage and XXXX XXXX have horribly mishandled my Mortgage. They should not be able to get away with this. I feel mostly that everything they tell me is a lie. They are trying to take my home. I am stressed, worried daily. I have XXXX and XXXX with all of this. I am trying to do this on my own with not results. HELP ME!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: MT
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 SEVERAL INQUIRIES ON MY CREDIT THAT I DID NOT SUBMIT NOR AUTHORIZE ANYONE TO SUBMIT ON MY BEHALF. I HAVE TRIED REACHING OUT TO THE COMPANIES BUT THEY ALL WERE GIVING PUSHBACK STATING I NEED TO DISPUTE WITH THE CREDIT BUREAUS. THE BUREAUS HAS YET TO RESPOND TO ANY OF MY DISPUTES AND IT HAS BEEN MORE THAN 30 DAYS. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT PACKET I FILED. PLEASE DELETE ALL NEGATIVE 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 2022-07-17
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1605 Section A. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-07-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm 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 30days gives a reason to 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 Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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: Was not notified of investigation status or results

Complaint:
I have attempted to dispute erroneous accounts with the credit bureaus but have received zero responses from XXXX XXXX, and TransUnion. Under the Fair Credit Reporting Act, lack of response to serious disputes is a violation and the accounts listed in the disputes should be removed off of the credit reports. I have attached the most recent letters sent.

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 2018-11-21
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I told them not to contact me at work and the still calling me and this time the told receptionist that i got a called ftom the XXXX XXXX sheriff 's dep, so i answered the called and it was a debt collector from XXXX, saying that if i don't, pay i will be arrested at my job, i told them that is a process, that i haven't received any court paper to go to court, then they start saying they will start a garnishment from my salary, n then i asked for badge number, then they said the are not police officer, now they admit the are from XXXX.i told them any paper work they can send mecto my address, they got upset then they said they will any paper work to my job

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt arrived from security cameras that were in a restaurant that I owned I sold the restaurant the loan was to be paid by the new owners. I had no idea the debt was not being paid this was in XXXX and I heard nothing from the creditor until XX/XX/XXXX when I was being threatened with suing me Over the debt and they placed the collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Bread Financial Holdings, Inc.
State: TX
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:
In accordance with the fair credit reporting act XXXX has violated my rights. 

XXXX XXXX accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 states I ha

ve the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any p
urpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I opened an account with Truist Bank and was denied credit after completing my application. This was on XXXX XXXX. At that time they said they checked XXXX and that my score was too low to approve me and the letter they later sent said my score was XXXX. That is incorrect. My XXXX score at that time was XXXX. I am being denied credit illegally, forcing me to have a lower credit score than I have earned, causing me severe emotional stress, family distress and unnecessary hardship. 

This is clearly discrimination and according to your organization, the Consumer Financial Protection Bureau, denying me credit is discrimination. Under 12 CFR 202.4-Discrimination A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

The definition of discriminate according to CFPB : Discriminate against an applicant means to treat an applicant less favorably than other applicants. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 US.C 1692k. I have worked for years to raise my score and now that it is a XXXX according to XXXX, I am still being unlawfully denied credit. 

According to 15 USC 1681b Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.

This was not provided to me.

In section 15 USC 1681b ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; My reputation has been damaged and harm has been caused to me and my family. I also reviewed the list of creditors who pulled my file from XXXX and at no time does Truist bank show up as pulling my credit report from XXXX in XX/XX/2023. So they are not only unlawfully denying me credit but using data from an unknown source to claim I am not creditworthy.

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 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX You are in Direct Violation ol The Fair Credit Reporting Act SOURCE RECEIVABLES M, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 11 also states a consumer reporting agency can not furnish an account without my writter instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit eard account und open-and consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2016-11-16
Company: Freedom Mortgage Company
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On or about XX/XX/2016 I was contacted by my mortgage company XXXX Mortgage about refinancing my VA loan. I was told by the agent that I would not have a payment in XX/XX/XXXX and would have my next payment on XX/XX/XXXX But I was also told not to skip XX/XX/XXXX thus leading me to believe that I would still have a 30 day grace in skipping a payment. Now the company is saying I should not have been told that by the agent or the closing agent. I was assured this was the case and now that the loan is closed it was all a lie

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 2023-04-26
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The ex husband committed fraudulent activities on this bank credit card account of XXXX XXXX XXXX XXXX  in XXXX, WA, I had a power of attorney before the ex husband went to jail for his fraudulent criminal activities back in XX/XX/XXXX, I did divorce the ex husband before he went to jail on XX/XX/XXXX but once he was released from jail on XX/XX/XXXX he reopened the divorce case and he wants me to paid his fraudulent activity on XXXX credit card account that has been closed for more then a year now and XXXX send it to collections and now Im getting harassed to pay a debt that wasnt mine to begin with and the credit bureau it was sent to hasnt gotten back to me, so I am not sure if this debt exists or not. I dont know the actual account number for this credit bureau , I dont have no proper information on this credit bureau on a phone number and the name of this credit bureau only , Ive left messages for them to call me back I only know its around {$5100.00} or less. I did get court documents stating I have to pay this fraudulent identity theft debt but I am not sure if its real or exist because the ex husband never provided an account number nor a creditor account number neither and I went today with a witness to the ex husband attorneys office to speak with him about this and the receptionist at this Attorneys office set up an appointment at XXXX XXXX  they failed to come through with this appointment. So now Im being harassed by this attorney and the ex husband and a judge to pay the fraudulent and identity theft credit card debt of XXXX XXXX XXXX  and I went to speak to XXXX and they stated the account is closed and they give me the number to this credit bureau collections Century at XXXX. I need help on this because I dont know how to get in contact to make payment arrangements I dont have the creditors account number of the collections information. On XX/XX/XXXX I was court order to pay this 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 explanation
Consumer complaint received 2021-07-02
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment of {$3000.00} on XX/XX/XXXX from my external bank account using bill pay which was transmitted electronically to loan depot on same day, in that payment I had specifically marked for additional principal but despite that loan depot applied it to my next month 's payment which was not even due on XX/XX/XXXX. 
Upon checking this I immediately raised a service request/workorder using online chat for correct application of payment, the ticket # was XXXX and I was given a XXXX of XX/XX/XXXX, and today ( XX/XX/XXXX ) when I check still the payment has not been applied correctly. 
I tried to chat with XXXX today and she said there is no such ticket and they don't handle payments and was very rude in that chat.I repeatedly requested for status on existing ticket and to be connected to supervisor but was not allowed. 
This is second time when loan depot has done something like this. Last month loan depot had returned my payment of {$1000.00} even though it was specifically marked for additional principal. 
My loan documents and note clearly state there is no prepayment penalty and I can make additional principal payment anytime but loan depot is not honoring that either returning the payment or applying the payment incorrectly and not correcting it despite multiple requests and their supervisor even confirmed they don't read the notes for payment-Ideally system should read and apply the payment appropriately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submited a claim for this transaction with Chase : {$1100.00} on XX/XX/XXXX, XXXX XXXXXXXX under the claim id XXXX. I answered all the letters the bank sent me, signature, description of the merchandise, etc... 
They gave provisional credit a few days after submitting the claim but a few days ago, on XX/XX/XXXX the provisional credit was charged without any information, letter or reason for this denial. 
Im still waiting for the XXXX XXXX XXXX that i bought on the store. But they never sent it, answer the emails and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: TX
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:
The below credit bureaus have been reporting incorrect information about my credit worthiness to lenders. 

XXXX  XXXX  Equifax On the following accounts XXXX XXXX XXXX XXXX XXXX These companies have been reporting negative payment history, which I have disputed several times due to information being inaccurate. And the credit bureaus have fail to investigate and remove them From my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an old XXXX auto loan on all 3 of my accounts that shows as charge off. 
There is and have been errors i tried to correct & dispute. 
between XXXX, XXXX, XXXX XXXX TransUnion. 

XXXX XXXX XXXX Date opened XX/XX/2017 XXXX has enough legal issues on credit reporting where i should not have to be trying to fix this issue for over a year. 

Especially just one of the cases enforced by you " CFPD ' plus others EX : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2021 XXXX They are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief