BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have made many many complaints to CFPB regarding a XXXX XXXX XXXX XXXX and fraud in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX XXXX XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief. XXXX XXXX XXXX XXXX has already deleted that information. The biggest problem with XXXX XXXX XXXX XXXX is they label all complaints as duplicate without any explanation so a consumer can not respond. The Credit Reporting Agencies have recently informed me XXXX  XXXX XXXX  XXXX  is sending explanation in the mail. THIS IS NOT TRUTH FOR TWO REASONS! I would hope the CRAs are smarter than this. Instead of deleting complaints, XXXX XXXX XXXX XXXX could very easily answered, explained, and more importantly just spoke and said something in the CFPB complaint. The second reason is they dont send explanations but more request for more information. See attached. In addition to not explaining their actions, XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report and private information that led to a forged loan. NOW THEY WANT MORE OF MY PERSONAL INFORMATION??!! I dont think so! This is very simple, XXXX XXXX XXXX XXXX refuses to send valid permissible permission to access my credit report that led to a fraudulent and forged loan in my name. The reason they dont send it is because it does not exist. XXXX  XXXX XXXX XXXX sent a copy of an undated and incomplete application as proof. XXXXmagine if one of their clients had sent them an incomplete undated document.

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 2019-08-19
Company: Selene Finance LP
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I need to know if Selene Finance attorney  informed me that the house at XXXX XXXX XXXX XXXX was sold on XX/XX/2019 to a 3rd party purchaser they why is the house still in my name XXXX XXXX?   I went to Recorder of Deeds and they confirmed that the property is still in my name, I also contacted them today by telephone and they confirmed again today that no one has submitted an application to change the tittle out of my name that I am still the person name on the tittle.  I also got an email from  Selene Attorney XXXX XXXX and she informed me that they have not gone to settlement yet? So I need to know why are they demolishing the house that is still in my name. The property at XXXX XXXX XXXX XXXX XXXX  DC  XXXX   is still in my name XXXX XXXX  I believe that this would be illegal.  and against the law if the property is not in that person name to destroy it wouldnt it?  So my question is if the house is in my name why are they demolishing the house.  the attorney even said that the 3rd party person hasn't gone to settlement how are they  demolish the property?  My loan number is XXXX . My mortage Company is Selene Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I made an international wire transfer with CHASE wire transfer to XXXX, the convertion was correct and they even charged me a fee, after the transfer was effective the school i was applying to informed me that they only received XXXX euros instead of the XXXX euros required. I then called Customer Service and spoke with XXXX, XXXX, XXXX and XXXX, THEY FAILED TO inform why this happenes i particularly asked if it was because of a fee from the recipient bank or if it was an error they were unable to respond to my questions. Lastly XXXX sent me online to inquiry about the transaction to get me out of the line. 

I submitted the inquiry and received no response, this is a clear show of lack of transparency when doing bussiness. I ended up submitting a new transaction with a new fee for more money to complete the XXXX euros the university was requiring as payment. 


I am demanding a response and if this is a fee from the recipient bank i need to know what is that fee to make my future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Upstart Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please find attached. I have asked Upstart for further cooperation due to the Covid-19 global pandemic and they want to increase my payments instead and mark me as late on my consumer reports if I do not pay them. Please find attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am attempting to refinance my mortgage loan with my current mortgage company and have gotten the run around. Second attempt from Lakeview Loan Servicing LLC is my current mortgage company. However, I asked for a quote and have not received unless I committed to signing a log-in format to see a quote. I asked why, stating thats their process, yet I received many other quotes from other refinance companies. I didnt have to sign or release information before getting information. The Lakeview have my information and I am asking about a simple FHA refinance Streamline information thats no appraisal, down payment, no closing fees, or no credit scores. I wanted to compare the transaction workups with Lakeview. Last six months the Lakeview sent me paperwork in the mail for refinance and didnt fully explain there fees and requirements. I dont understand why Lakeview cant provide me with a decent plan to choose from all my options!!! I am not asking for much, only a proposal estimate is All I want!!!

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 2018-06-19
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2017. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Problems with Wells Fargo and XXXX XXXX not following 3 day rule for Closure Disclosure (CD).   Wells Fargo and XXXX   Title failed to follow CFPB requirement for 3 day rule.  The date of closing was XX/XX/XXXX.  I gave Wells Fargo and XXXX two weeks to correct problem.  However, they refused to address the closing problems.     My understanding is that CD 3 day Rule TILA-RESPA Integrated Disclosure (TRID) Rule apply to both the Loan Estimate (LE) and to the Closing Disclosure (CD). The Wells Fargo and XXXX XXXX XXXX XXXX should not be able to total change the estimate on the CD.   The Final ALTA settlement statement was totally different then the CD provided.  The consumer (myself) is entitled to receive the correct estimates amount on CD within three business days of placing a loan application.  I the consumer is entitled to receive the correct CD to review no later than three business days prior to the time when he/she is required to sign the loan documents.   The problem was that the Final ALTA was totally different then the CD provided 3 days prior.  The LE (or ALTA Statement)  discloses the loan amount, interest rate and the estimated monthly payment along with the balance of the terms of the loan. It breaks down the charges for fees and services required to secure the loan and gives the consumer an estimate of the amount of funds needed to complete the transaction. Determining when that countdown begins depends on how the documents are delivered. See section §1026.19(f)(1)(ii) of the CFPB’s TRID Rule.

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 2020-11-24
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am not sure if you actually do anything but I will try once more. I made a complaint about Shellpoint Mortgage and you sent them a letter. They responded by saying that they needed some more time and were working on it. You seemed to think this was an adequate response. Would it help if I told you that in the three years company has failed to resolve this problem they have sent me approximately 30 letters stating the exact same thing? 

I have many of them still in my file. 

Do you think that sending numerous exact letters in 3 years is enough time to resolve this? 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting me as an authorized user on the CREDITCD/FBT partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-11-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX, I got a VA secured mortgage with BB & T in XXXX, NC. They told me that I qualified for a free XXXX XXXX XXXX account because I had a mortgage with them. In XX/XX/XXXX, BB & T started charging me {$30.00} " maintenance fee '' and a {$5.00} " return statement '' fee. I never got the statement but they a {$5.00} return statement fee. I was never informed of these fees or of the change in XX/XX/XXXX. These fees total {$1400.00}. I requested from BB & T for a refund of {$1400.00} but only got an offer for {$75.00}.

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 2020-10-27
Company: EQUIFAX, INC.
State: DC
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:
The following accounts do not belong to me. My identity has been compromised in the past and this is the result of identity theft. It has been reported, therefore I'm demanding that this accounts be removed immediately from my credit files. 

1 ) XXXX XXXX {$500.00} 2 XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is with Carrington Mortgage Services. The company is charging property inspection payments of XXXX along with mortgage of XXXX the dates are from XX/XX/XXXX until present, also attorney fees. This makes my payments double. Carrington is also Charges a fee of XXXX unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern. This notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and VALIDATION is requested. On XX/XX/2021 you sent me a " verification '' letter, or proof of my address which is unacceptable as VALIDATION made pursuant to FDCPA, 15 USC 1692g. I respectfully request your office provide me with copetent evidence that I have a legal obligation to pay you. At this time, I will also inform you that if your office have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitutute fraud under both Federal and State Laws.Due to this fact, if any negative mark is found on on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provided the proper documantation as requested in the following Declaration, I will require 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit.This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
Regards, 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 2020-11-25
Company: OneMain Finance Corporation
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: Information belongs to someone else

Complaint:
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, ONEMAIN FINANCIAL add a hard inquiry on my credit report per XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CASH AMERICA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from XXXX XXXX XXXX XXXX XXXX pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up XXXX biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ALLY FINANCIAL INC.
State: MA
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:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

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 2020-12-09
Company: EQUIFAX, INC.
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; 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 I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; 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 I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2021-04-26
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX is violating my rights and reporting in correct information on my credit report. They are reporting late payments for months I have made on time payments on. I am in the forbearance program and was told my account would me listed current paid as agreed not late as I am paying now and the money is being withdrawn from my checking accounts. This company lied from the time I enrolled in the program and told me my credit report would be update and current with no lates now they are reporting XXXX XXXX and XXXX late but I have been on time. This is violation to report incorrect information to the credit report agencies. I enrolled in the program in XXXX the letter clear states previously reported delinquency these delinquency that they are reporting are current new delinquency after I enrolled in the program which is not what the contract states. They are not following the details of the hardship program which is against the law they enrolled me in a program and taking my money monthly to still report inaccurate information harming my credit..they are also reporting different months on all different credit reports

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