BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
IBERIABANK Accountnumber XXXX .... failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all  notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, IBERIABANK " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and  the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) IBERIABANK failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve IBERIABANK is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX ( TXXXX XXXX XXXX XXXX. ) citing XXXX XXXX XXXX XXXX XXXX XXXX ( TXXXX 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 2022-03-07
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:
SS # : XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX Ga XXXX My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report.

Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 

Sincerely, 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 2022-03-07
Company: EQUIFAX, INC.
State: AZ
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:
EQUIFAX BROKE THE LAW. I sent a FTC Identity Theft Report and all requirements for the removal of 4 fraudulent accounts and hard inquiries reporting on my credit report. Pursuant to 15 USC 1681c-2, EQUIFAX had 4 business days to delete the information from my report, and EQUIFAX failed to delete all of them. Only one was deleted. It is WAY past the 4 business days from receipt of receiving the documents. I further received a letter in the mail stating they are not honoring my request for the deletion. It was not a request it was a demand that I am entitled to as a federally protected consumer. I did everything I needed to do in accordance to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
For the past year and a half ( since, at least, XXXX XXXX ), as a result of employment changing and employment termination, as well as facing a chronic, life-threatening illness and fluctuating health insurance marketplace tumult, my finances deteriorated. Throughout my financial decline, I remained communicative and agreeable to any and all amendments to my payment schedules with every and all creditor, specifically SANTANDER CONSUMER USA, the lien holder on my once-leased XXXX XXXX XXXX XXXX, original, manual transmission with little to no resale value according XXXX ( XXXX ). At the beginning of XXXX XXXX, I received written correspondence via post ( XXXX/XXXX/XXXX ), re : Notice of Right to Cure Default. In response, I crafted letters re : modifying my contract, faxed and mailed on or about XXXX/XXXX/XXXX. In addition, I spoke to multiple Santander Consumer USA representatives, some alleging to be from the office of the president. I have repeatedly attempted to mitigate any and all past due payments, in addition to forthcoming on-time payments to Santander Consumer USA. In regard to any consumer assistance or attention to the matter, I received no response. XXXX, XXXX/XXXX/XXXX, approximately XXXX, the vehicle was repossessed without notice. On XXXX/XXXX/XXXX, I received a letter shipped XXXX/XXXX/XXXX via XXXX ( XXXX Overnight ), dated XXXX/XXXX/XXXX, denying my request ( emailed XXXX/XXXX/XXXX ) of Santander Consumer USA representative XXXX XXXX ( by proxy XXXX XXXX ) to modify or renegotiate [ my ] contract with certain specifications. In the same letter ( received after the vehicle was repossessed by Santander Consumer USA ), I had been advised if [ I ] choose to voluntarily surrender my vehicle, [ I ] may give [ Santander Consumer USA ] a call so that [ Santander Consumer USA ] may assist.  On XXXX/XXXX/XXXX, I initiated contact by phone with a Santander Consumer USA representative who ( although useless ) confirmed my vehicle was repossessed devoid of communication and return of my personal property ( ie. 1 ( ONE ) laptop computer, 1 ( ONE ) XXXX XXXX XXXX XXXX and other incidentals ) was non-negotiable, as the useless representative refused to give me the information substantive to retrieving my ( now, seemingly, stolen ) personal property. At the very least, the actions taken by Santander Consumer USA and its representatives are flagrant examples of disregard for consumer assistance, satisfaction and response/respect and ability to accommodate consumer needs and Lessor obligations. More egregiously, Santander Consumer USA appears to have seriously violated consumer  compliance and contract laws, as well as violating consumer protection laws, in addition to false and/or misrepresentation of facts and claims regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have contacted TransUnion repeatedly that I do not recognize inquiries and that I did not authorize them. I have sent in police report and several letters that I have written to the companies. All to no avail. This is the type of predatory consumer bahvior designed to keep us in 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 2017-08-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have an existing complaint filed but they bank is now claiming they can not provide a deed in lieu as they already started legal proceedings. They told us we had to do a short sale first ( we did, they denied the offer we got ) and they continued legal proceedings through the process they said we had to do, now they claim its too late for a deed in lieu. They are the ones who cost us wasted time and now are using it as a reason to foreclose. 

We provided paperwork last time but would be happy to do so again

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 monetary relief
Consumer complaint received 2017-11-07
Company: Global Lending Services LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive made several complaints about this issue which isnt resolving. This company has an old debt on my credit thats not supposed to be there and needs to be removed. Its at the 7 year mark and they are still reporting inaccurate information. This company violated my rights by repossessing a vehicle and never sending a RTC ( right to cure ). Ive tried several of times to work this company and theyve refused to do anything on my behalf. I spoke with an attorney recently, and Im in the process of filing an lawsuit, if we can resolve this issue I will drop the case if not we are taking this matter to court very soon. Theyve also contacted me recently and its been expressed to them to never contact me. Ive told them several of times to cease all communication with me and theyve violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CHASE/XXXX XXXX XXXX XXXX failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, CHASE/XXXX XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CHASE/XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX/BANK ONE CARD SERV is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX 980 S.W.2d693 ( Tex.App-XXXX XXXX XX/XX/XXXX reh.den. ) citing XXXX v. XXXX 936 S.W.2d 654 ( Tex.App-XXXX XX/XX/XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: CORELOGIC INC
State: CT
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:
I had no dealings with this company ... there are inquiries that were not 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 2019-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I sign up for experian Boost By experian Like it boosts up your credit sorce base on Your bills Like water and light and phone and internet Link with your checking account I did everything and its not showing up I pay my bills with my checking account I do

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 2019-04-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
we have tried to work with Pennymac since 2013, upon my father in laws death. Pennymac has refused to assist us in this matter and had my husband sign what I believe to be a predatory loan modification and lied about origination dates. We asked that the loan be moved into my husbands name originally and they stated that that could not do that even though probate had closed. I am perplexed as to why they are able to operate like this my husband has been asked to complete several forms and also has to have them all notarized for them to speak with me yet they never seem to have the form available to be viewed or request another one.. My husband is permanently XXXX and we are trying to keep this him. this all stated with a predatory loan for a construction project that has yet to be completed and the company attached the entire bill to our property taxes. I have tried to resolve this many ways and its just wont work I am in need of assistance to resolve this matter, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account was closed and phones returned to XXXX on XX/XX/2017. Within two months of closing account, XXXX claimed phones were never returned and account was not closed. The issue was briefly resolved, then within 6 months statements began showing up again. Then the account showed up on my credit report under collections. The collections would get disputed, removed, then show up again on my credit report under a different company. XXXX refuses to assist, stating the store the phones were returned to did not process the phone return and account closure correctly. To make matters more difficult, the store the phones were returned to is no longer open. The representatives at XXXX can not even locate the store in their database anymore. Now the account is showing up multiple times on my credit report with no help in sight in getting it resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back in the fourth quarter of 2021 I applied with Mr. Copper mortgage company to have my Private Mortgage Insurance ( PMI ) removed from my loan. I was told that I would need to pay for an appraisal of the property at XXXX XXXX XXXX XXXX XXXX, Mo. XXXX. 
I agreed to this and they said they would have the appraiser contact me, I setup a meet with my tenant and the appraisal was done. After more than six weeks I called Mr. Copper and they said the appraiser did not turn in the paperwork. 
I asked what were they doing to contact the person, because I knew from my tenant that he had performed the job, and this was the second time I had ordered an appraiser on this property to get the PMI taken off. Finally I called XXXX XXXX customer service and they got it taken off and said it would be effective XXXX XXXX. I called Mr Copper and told them I was sending {$630.00} because XXXX XXXX said my PMI was no longer needed. Mr. Copper sent me a letter saying that my PMI in the amount of XXXX had been removed this letter was dated XX/XX/2021. I sent Mr. Copper payment for the amount of {$630.00} for the XX/XX/2021 payment which I showed it would be with the {$57.00} removed. Then they raised my XXXX payment to {$740.00} and then they corrected that after they ran an escrow review and said my XXXX payment would be XXXX for a {$21.00} increase of my taxes insurance stayed the same. I paid the shortage amount in a separate check {$250.00} thinking it would keep my payment the same, but it only decreased it to {$640.00} I was told I would have to wait until next XXXX. I requested to do my own Escrow and was told I do not have enough equity in the house to do my own escrow, but had enough to remove my PMI? They also said I could not because there had been lender placed insurance on this property. Please examine the paperwork that I am including.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX item was placed on my credit files by Caine & Weiner - XXXX XXXX XXXX, XXXX Texas XXXX. Was noted as collections for XXXX XXXX Showed a collection amount for {$570.00} Disputed info with both XXXX and XXXX credit companies, still not removed from my credit file, only noted on credit report as of this date. 

I was unaware of this on credit file until XX/XX/XXXX. I contacted Cain & Weiner reference information being a false entry and account did not belong to me. It was found account belongs to my XXXX  year old son who did business with XXXX XXXX in 2016 reference DBA documents and at the time used same address as me. He has same first and last name, different middle name. 

I spoke with Manager XXXX XXXX ( XXXX ) XXXX Ext XXXX. Again I explained entry on my credit was incorrect / false and I was not the account holder. XXXX XXXX advised he would note account. Date of birth or last 4 of social on account holder, info could not be located when requested. Information still remains on account. This is lowering my credit score and needs to be removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: DataMax Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the last attempt to resolve this issue, as Ive been advised by an attorney. This collection account thats on my credit from XXXX XXXX XXXX is inaccurate and I have no acknowledgment of. The address being reported Ive never resided at. I just went through a lawsuit with the collection agency XXXX XXXX about this same issue and won my case, its been proven that Ive never lived there and this isnt my debt. Attached to this form is the settlement agreement from my lawsuit with the collection agency and its showing proof that Ive never lived at the address XXXX XXXX XXXX are claiming. If we cant resolve this matter, I will be forwarding all of this over to the attorneys who handled my previous lawsuit and I will file one against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX case number XXXX XXXX XXXX LVNV funding agency garnished my wages for 25 % of my pay without notice cant afford legal representation due to fanatical hard ship and the judge granted LVNV request to continue garnishing my wages. I can not afford this money being taken away from me dont know where to go from here. I never opened up an account with this creditor and have disputed several times. Was also never served any counts papers they just started to garnish my wages since XX/XX/XXXX for a debt I have zero knowledge of. 

Last court appearance XX/XX/XXXX XXXX XXXX court XXXX XXXX is the clerk

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC is guilty in acting as a foreclosure mill and denying legal right to avoid foreclosure. At issue is a foreclosure sale date on XX/XX/19. PNC has received documents from my new lender stating they are paying off PNC in roughly two weeks and they need a foreclosure postponement. PNC is refusing to postpone and continues to request additional docs on top of the docs provided that are sufficient. As you will see on attached docs lender has approved the loan, all conditions met and close date has been set with closing disclosure. They are requesting a hud from a " title company '' when in CA title companies don't provide huds, escrow offices do. This is financial negligence on behalf of PNC and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
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:
I have two inquiries on my credit file with XXXX from this bank, dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have written to them to request documentation supporting permissible purpose, but have never heard back from them, leading me to believe that they either did not receive my letter, or simply chose not to respond. I currently have an open account with them, and believe that it was the former, as they have treated me very well. However, barring documentation supporting permissible purpose for these two inquiries, I would like to see them removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to purchase a piece of land which has an uncanceled deed of trust keeping me from obtaining a clean title. The original loan was taken out with XXXX XXXX XXXX XXXX  ( XXXX, NC branch ) in XX/XX/XXXXand has been succeeded by several banks since. In XX/XX/XXXX the property was refinanced with XXXX in XX/XX/XXXX and the old deed of trust was not canceled.

Company response to consumer: Closed with explanation