BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with Credit control corporation please have this company confirm that I indeed have a contract bearing my signature.CREDIT CONTROL CORPORATION-Account # XXXX this account and in accordance to the Fair Credit Reporting Act Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights 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 written instructions.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, This is XXXX XXXX, PHH Mortgage bought my loan and have failed to do their jobs at every step ... Due to their nefarious plan to steal my house. 
I have many XXXX reviews that show that this company is not just doing this to me but a lot of their customers ... 
They dont notify you when they buy your loan and then if you miss any payments they block you and send the account to their lawyer to forclose on your loan after two to four missed payments caused by their failure to notify you .... when you try to make payments they refuse to accept it while also sending letters that they are mandated to send by law requesting payments ... When you call or log in to their aweful website to pay off your debt they refuse to accept payment ... requesting the entire balance of the loan instead ... essentially demanding you refinance or give up your home in default. 
you call for a modification due to their actions and they say they will consider it but its a delay tactic as they ask for no information but always decline it while buying time for their lawyer to forclose on the home ... they dont want payments ... they want the house which will increase in value and even if you get a lawyer to sue them into taking payments ... they just charged a whole bunch of late fees for blocking you from paying on time ... They know that Under Trump the CPFB has no claws as Trump has  hollowed out the CPFB since they held him accountable for his fraudulent schemes in the past ... suing the supreme court to dismantle it entirely! Companies know there is no cop in the beat and they are taking advantage of the elderly and disabled to make millions!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.

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 2023-06-30
Company: EQUIFAX, INC.
State: AR
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 name is XXXX XXXX XXXX, who is submitting the CFPB Complaint myself for you to inform you about the wrongdoing of the 3 Credit Bureaus. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. They are reporting inaccurate information in my credit report which affects my credit scores and financial standing. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items needs to be deleted that are reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/19 a letter was sent out from Westlake Financial indicating I owe {$370.00} plus a {$95.00} late fee, Westlake has stated several times that my check was returned when I done even XXXX XXXX XXXX, I called on XX/XX/19 and Westlake customer service rep stated I owe {$600.00}. This company has lied regarding the amount due and owed for a year I paying on this loan. The letter states {$370.00} and I sent {$500.00} before the letter was mailed by XXXX. 

This interest only loan is deceptive and used to charge customers triple the value of a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started the mortgage process on XX/XX/XXXX and have the mortgage closed on XX/XX/XXXX. I want to file a claim regarding JPMorgan Chase bank, the loan officer XXXX XXXX ( XXXX ), and his XXXX XXXX XXXX XXXX XXXX XXXX The claim is regarding the following issues : 1. Negligence during the mortgage process.

Because of the negligence of loan officer, my closing got delayed and I was charged a closing adjournment fee of {$4900.00} because of the the delay.

During the process I have been submitting required material no later than one day after requested, but the process keeps been delayed for over 3 month.

Through out the one 3 month process, I've been trying to follow up on the mortgage process, but XXXX barely pick up my phone calls, instead of picking up my phone call, he called me back just IN SOME CASES. I found him picking up phone calls pretty quick when my attorney called him though. He is also lagged in email response. 
On XX/XX/XXXX, the first scheduled closing date, I hear nothing from the bank and I'm unable to get my phone call through. 
On XX/XX/XXXX, which is the deadline for closing, the bank is still waiting for appraisal report, while the sponsor said that appraisal report was provided on XX/XX/XXXX. 
On XX/XX/XXXX, closing was scheduled on XX/XX/XXXX, it got delayed to XX/XX/XXXX because the loan officer forgot to ask me to sign for waiver of Three-day review of appraisal/valuation form. The adjournment fee gets increase from {$3800.00} to {$4900.00} because of this delay.

2. Share deceptive information to me about adjournment fee reimbursement. 
Before the closing deadline XX/XX/XXXX. I was told by attorney that if the closing is delayed beyond that date, I'll be charged an adjournment fee per day, the amount total is {$4900.00}. The loan officer told me that I don't have to worry because bank will reimburse this adjournment fee for me, but I need pay out of my pocket when closing first, then the bank will work on reimbursement. I trusted him, and the bank. 
On XX/XX/XXXX, I went for closing and paid for the adjournment fee. Provided all required material to XXXX for reimbursement. 
On XX/XX/XXXX, XXXX told me the application for reimbursement has not been approved and when I asked for reason of reject, he said bank never guarantee to close on time so it is normal for mortgage closing being delayed, which makes no sense to me, and make his promise of reimbursement a lie.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: LFG Data Services Holdings, LP
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am demanding to opt out of any reporting of my personal or public information. I have not consented to nor authorized the reporting, housing, selling or furnishing of any information relating to me or any accounts associated with me or bearing my name. Any information whether personal or financial that you are in possession of without consent and have furnished or sold to non-affiliated third parties you are guilty of aggravated identity theft and it's causing me financial harm. 

I am demanding the deletion of the public record, the bankruptcy that is currently reporting with your company as you are not able to verify the accuracy of this information. If you can verify this account, please forward me the appropriate information. Otherwise please opt me out from any further reporting of any of my information. 

In addition please send me my full consumer disclosure file pursuant to 15 USC 1681g ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: AmeriCollect
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I pulled my credit reports from all three of the major credit bureaus ; XXXX, XXXX, and XXXX. I noticed Americollect INC has 2 alleged collections on all 3 credit bureaus under my Social Security number. One collection for {$1900.00} and the other for {$92.00}. The smaller {$92.00} collection is dated for XXXX XXXX of XXXX which I have never received any written notices of this alleged debt along with the other ( {$1900.00} ) which has an open date of XXXX XXXX of XXXX, each stated as past due in the status field ; which by law is ILLEGAL per FCRA 623 ( a ) ( 7 ) subparagraphs ( A ) and ( B ). This is the first of my knowing of this company. I sent a letter for validation of me signing a law binding contractual obligation with this company, Americollect INC for the two accounts which they allege that I OWE THEM on XXXX. I am highly dissatisfied with their remarks on my credit file ( XXXX ), " account information disputed by consumer, meets FCRA requirements '' when they are unlawfully ruining my credit with their illegal and unethical credit reporting, incomplete account numbers, and missing information. I have never dealt with this company in any form or fashion, being that they aren't even a business entity in the state of South Carolina. I have also written my state 's Attorney General, XXXX XXXX and the Attorney General of Wisconsin, XXXX XXXX of this matter. Again, I have not once received any notices to date ( XXXX ) that I have any contractual obligations, or accounts with Americollect Inc let along any accounts in collection or past due!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: ONEMAIN FINANCE CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
The bank OneMain Financial Group, LLC NMLS # XXXX had a link on my XXXX   XXXX  account stating that I was prequalified for a unsecured $ XXXX at a high apr of 21 % of which Im sad to say I was willing to accept due to my legal fees that I have to pay for issues concerning problems with my ex-wife. Anyway I fill out the application and it says Im approved. Upon reading the terms it now states that the rate is 25 % and a secured loan and they need my all the information concerning my motor vehicle, insurance and drivers license. This bank expected me to put my car up against their 25 % loan. They pulled a bait and switch. I can only imagine how many people they do this to. Please investigate them. I did not accept the terms of this scam so theres not much more that I can provide but this is definitely a terrible thing to do to someone. If someone has a car loan and then does this. My goodness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX  you furnished alleged transaction ( s ) on my XXXX and TransUnion that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 

You have XXXX Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX XXXX  # XXXX Without Recourse UCC 1-308

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 2023-03-31
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:
This is a complaint against Experan This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX  from XXXXXXXX XXXX XXXX ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that XXXX of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from XXXX XXXX saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX  pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX m asking to remove the inquiries of XXXXXXXX XXXX XXXX from XXXX, XXXX and experian as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that XXXX XXXX sold my information and thats how XXXXXXXX XXXX XXXX accessed my credit information. Im attaching a copy of the police report of identity theft, Please, as a credit company, they have to protect XXXX/ but I feel unprotected, I am already having serious problems because my identity was stolen, I have a fraud alert in the XXXX credit companies/ but I feel that this does not stop the criminals who want to continue stealing my blood, this whole identity theft case has me completely unprotected.

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 2023-12-05
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I MADE A {$10000.00} ACH PULL TRANSFER FROM MY XXXX XXXXXXXX XXXX ACCOUNT TO SANTANDER BANK CHECKING ACCOUNT XXXX XX/XX/23. 
ON XX/XX/23, SANTANDER BANK REJECTED THE TRANSFER AND SENT ME AN EMAIL STATING THEY ARE TRANSFERRING BACK THE FUNDS TO MY XXXX XXXX XXXX  CHECKING ACCOUNT AND TO CHECK MY XXXX XXXX ACCOUNT IN THE NEXT FEW DAYS. 
I CHECKED ON XX/XX/23 BUT NO RETURN OF FUNDS TO MY XXXX XXXX CHECKING ACCOUNT. 
AND THERE IS NO TRANSACTION HISTORY SHOWING UP IN MY SANTANDER BANK THAT THE MONEY HAS BEEN RETURNED. 
CALLED AND SPOKE TO SANTANDER BANK FRAUD/SECURITY TEAM AT XXXX AND THEY SAID THEY ARE HOLDING THE FUNDS AND THEY ARE UNABLE TO RETURN THE FUNDS AND WANTS XXXX XXXX XXXX  TO CLAIM IT FROM THEM. 
XXXX XXXXXXXX XXXX SAID THEY ARE UNABLE TO CLAIM FROM THEIR END. 
THE TRACE NO FOR THE ACH TRANSFER IS XXXX. 
CAN YOU PLEASE HELP ME GETTING MY MONEY BACK TO XXXX XXXX CHECKING ACCOUNT? THANKS A LOT!!

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have no knowledge of these hard inquiries. The hard inquiries are a result of identity theft and must be removed no later than 4 business days. As per 15 usc 1681c-2 block of information resulting from identity theft. 
Four attempts have been made to cure fraudulent reporting : XX/XX/2023, XX/XX/2023, XXXX XXXX another business location, XX/XX/2023. ( See attachment ) XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/2XXXX XXXX  XXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) 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