BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: Exeter Finance Corp.
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: Their investigation did not fix an error on your report

Complaint:
Tried disputing over a year ago but did not get anything resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax Credit Information Services , Inc. XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear Equifax , This letter is a THIRD request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate item. XXXX  XXXX XXXX XXXX XXXX $ XXXXAlleged Debtor : XXXX XXXX I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. 
This Company has changed the dates of this debt multiple times and on multiple documents. I have filed a complaint with the National Credit Union Administration, and I will be filing a complaint with the California Attorney General. Finally, I have contacted an Attorney who is awaiting the outcome of this dispute.

Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339 ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( XXXX XXXX, XXXX XXXX XXXX ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to XXXX XXXX, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to Transunion. 

I further called up transunion and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by XXXX XXXX, XXXX XXXX XXXX ( for multiple enquiries for same reason ), XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and Transunion for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).

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 2021-09-21
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In a form letter dated XX/XX/XXXX U.S. Bank advised me that they have told a credit bureau about a late payment, missed payment or other default on my account. This notice was forwarded to the credit bureau by U.S. Bank over XXXX cents. Yes, XXXX cents. I just wanted to put this report in proper context. 

On XX/XX/XXXX at approximately XXXX hours I contacted U.S. Bank by telephone. The third person I spoke with identified herself as XXXX and stated she was a manger. She later provided me with a direct telephone number of XXXX. I gave her my payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I explained that XXXX XXXX payment was due XX/XX/XXXX. I did not want the payment to be late, so I made the payment on XX/XX/XXXX. She stated it looked like U.S. Bank applied two payments to the same month. She stated that the matter was completely 100 % the banks fault and that she would file a dispute with U.S. Bank on my behalf. 

The story changed when I received a second letter from U.S. Bank. This letter stated that my payment on XX/XX/XXXX did not satisfy the amount due on XX/XX/XXXX because the payment was XXXX cents short. The letter stated that this left my account past due and a late fee was assessed on XX/XX/XXXX. The letter stated my payment on XX/XX/XXXX satisfied the payments due on XX/XX/XXXX and XX/XX/XXXX to bring my account current. 

Please note that I have been a customer in good standing with U.S. Bank for several years. I have both a home equity loan and a mortgage with U.S. Bank. I never received notice that my payment was XXXX cents short. I was not provided with an opportunity to pay the XXXX cents before I was charged with a late fee and reported to the credit bureau. I made a payment to U.S. Bank for over {$350.00}. Again, it was XXXX cents short. 

The third letter I received from U.S. Bank stated, the account information submitted by U.S. Bank to the consumer reporting agencies was accurate and no changes will be submitted. I believe U.S. Bank has treated me shabbily. I wanted the opportunity to put any generic statements via form letter the bank made in proper context. My FICO score has dropped considerably and I hope you will consider my position

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: NV
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:
Around XX/XX/2021, I noticed a collection appearing on my Equifax XXXX XXXX Credit Reports from XXXX XXXX XXXX in the amount of {$3100.00}. I have no knowledge of the collection agency or the original creditor, therefore I disputed with account with both Equifax XXXX Credit Bureau. I received Equifax XXXX XXXX 's results within 30 days and they stated the account was verified. So in XX/XX/2021, I wrote a dispute letter to the collection agency with the address provided by Equifax report disputing the account directly with the collection agency. I received the returned letter back stating the address was undeliverable. Then I checked my XXXX report, because the address for the collection agency was listed differently on the XXXX report and sent a 2nd dispute letter to the address listed on XXXX credit report and again the letter was returned to me as the address being undeliverable. Then in XX/XX/2021, I wrote to XXXX and Equifax credit bureaus requesting removal of the collection account due to the address being inaccurate. I received a response from both credit bureaus again stating the information is verified. I am requesting that this account be removed permanently from my reports. I have attached documents for your review. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX & XX/XX/2017, a local car mechanic defrauded me on multiple levels. He charged me to install an engine that had many more miles than represented. He charged me for strut mounts that he did NOT install. He charged me for items that were not authorized. And the work that he did was so incredibly substandard that the engine wiring harness melted, rending my car inoperable. It was towed to a dealership where I incurred even more costs just getting it to run again. It still has problems. 

The mechanic said the engine had XXXX miles. It actually had XXXX miles. 
He said there was a 2yr warranty. It was only 100 days. 
He claimed to install front strut mounts. He did not. 
He charged for a water pump & timing belt yet those were not authorized. 
He charged me to paint my hood & bumper but the color doesn't even match the rest of the car. 
Total amount Capital One gave to the mechanic was {$3100.00}. 

I opened disputes. Followed every step to the letter. Provided 60 pages of documentation and rebutted the mechanic 's lies. Even the Oregon DOJ spoke with Capital One and confirmed I'm a victim of fraud. 

CapOne LOST my 60 pages and then " closed '' the dispute in error so the window of dispute with XXXX was gone. CapOne then apologized. Admitted they goofed. Exec Office PROMISED they'd remedy this. Now today CapOne only gave me a partial refund claiming that's all I requested! ( That's a lie & I have copious documentation & notes. ) They again claim I failed to provide adequate documentation even though the Exec Office confirmed I met the requirements and even exceeded them. 

CapOne violated my dispute rights when they closed the dispute in the first place. They've now victimized me by failing to refund the {$3100.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've repeatedly ask that this Credence Resource Management provide me the necessary information pursuant to 15 usc 1692g legally it is my right that I'm provided this information also a statement of bills are not validation of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I wanted to refinance my existing loan XX/XX/XXXX with Amerisave. Amerisave is in the business of " bait and switch ''. I was told that I could get a loan basic on my credit score ( XXXX ) and income. They had me get an appraisal XXXX to start the loan process without a " Good Faith Estimate ''. Amerisave required consumers to order and give payment authorization information for an appraisal before it would provide a Good Faith Estimate ( GFE ) for the mortgage, I found out later that the appraisal orders were being referred to its own affiliated company. During the loan process there was always something they needed. The out come was to get a loan for XXXX dollar more than what loan owe on my original mortgage. Amerisave was fined by CFPB Orders Amerisave To Pay {$19.00} XXXX For Bait-And-Switch Mortgage Scheme XX/XX/XXXX. I called amerisave customer service, I just wanted a refund of my appraisal fee and got the run around. Something needs to be done about scams companies like Amerisave. Thanks.

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 2019-05-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX in XXXX XXXX has a XXXX event page in which a scammer posted they had some tickets for sale for about 1/2 off for two days. 
Lots of locals do this as they might change their mind at the last minute or can not attend, so it is not uncommon. So I texted the number XXXX to obtain tickets, and they texted me back. I still have copies of all communication on the text if needed. They stated they would sell me tickets for two days for {$80.00} which is about 1/2 off including a parking pass. They sent me an photo that stated XXXX XXXX was going to transfer her ticket to me but needed and paypal code for transfer. Then they gave me the email of XXXX to pay them. I sent {$80.00} but then they wrote saying they did not receive the payment which was true. It was put on hold. Then they asked me to send 1/2 of the money to another account just to assure they received payment because something was wrong with my account. When I went to try to cancel the payment, now realizing it was a scam, I could not because it was not pending. It was on hold under investigation until XX/XX/XXXX. I wrote a dispute and requested a refund from them. Of course, no response. Then PayPal sent this information to report them, so I realized their account was under investigation already. I changed my passcode on paypal, reported my concern to them and you, and posted the scam on JT music fest site. Now, my {$80.00} is stuck until it will be investigated for 90 days. 
Please investigate these scammers probably international scammers. The phone number originally had a message, then went to a disconnect. 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017 with an amount of {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I represent the seller and am her co-listing agent along with XXXX XXXX at XXXX XXXX. We were able to submit a bonafide offer to Wells Fargo and complete the required documentation for a short sale review within 30 days of submitting the offer. 
Then the bank proceeded to state that there were internal issues with the Banks ability to processed the short sale in a timely manner. The bank continued to request information and sometimes even odd requests, like " What is the property address? '' requesting me to send them county records of the address? This continued for well over 6 months, when finally we got an approval letter. Unfortunately the buyer decided to not purchase the home since values were decreasing across the the county and found another property to purchase. We were able to get a new buyer, offer submitted to the bank within 1 business day of the file being removed and could have done it sooner but the closer asked me to wait to submit the new offer so the file could be properly closed out and ready for a new short sale offer to review. 
The real issue is that Wells Fargo told me that the Statue of  Limitations will run out by the XX/XX/XXXXand we wont be able to do a short sale after that date. I have been submitting all the proper documentation and have asked for a variance to extend the " kill date '' since Wells Fargo ate up so many months of having a buyer on board to close. We can close in the next 2 weeks, but cant do anything without a new approval letter and an extension granted to allow the time to get the new approval letter.

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 2022-12-16
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
About 6 years ago I refinanced my home. As part of this process, I thought my second mortgage was part of the refinance. I stopped paying my second mortgage thinking it was paid. Specialized Loan Servicing did not send me a statement nor did they try contacting me until this year. They contacted me via certified mail and explained that if I did not pay my back second mortgage payments they would foreclose. At first I thought it was a scam. Nothing was on my credit report showing I was delinquent and like I said they never contacted me up until this year. I was able to secure a HELOC to pay off the Specialized Loan Servicing demand. Normally a delinquent loan does not qualify for a second mortgage but since they never reported it delinquent I was able to easily get a loan. Unfortunately I had to pay a ton of interest that I would not have accrued had they sent me a statement or contacted me in any way. In addition to this, they refused to refund an over payment made to settle the loan. They agreed to a lower payoff amount however my loan to pay Specialized Loan Servicing off was already in flight. Instead of redoing the payoff with my current lender I sent the full payoff amount. This was {$17000.00} more than the agreed payoff. Specialized Loan Servicing refused to refund this overpayment.

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 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent a letter by certified mail to TRANSUNION on XX/XX/2018, challenging the accuracy, compliance, and reportability of a listing - XXXX XXXX XXXX XXXX, filed under my social security number per the FCRA section 611 ( a ) ( 1 ) ( A ).

In my letter, I asked that TRANSUNION validate the information and provide me with copies of any documentation associated with this account, bearing my signature. 

A representative from TRANSUNION signed for the letter on XX/XX/2018, at XXXXXXXX XXXX and on XX/XX/2018, I received correspondence from TRANSUNION stating that the account was UPDATED. However, TRANSUNION did not send me any information to validate the accuracy of the account. 

On XX/XX/2018, I sent another letter by certified mail to TRANSUNION which was signed for on XX/XX/2018, at XXXXXXXX XXXX This time I requested from a description of the procedure used to verify the accurateness and completeness of the information, as well as the name, address and phone number of each person contacted regarding this alleged account per the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) I asked for any documentation baring my signature, showing I had a legally binding contractual obligation to pay the amount which is claimed I owe to XXXX XXXX XXXX XXXX, in which they had 15 days to respond. 

I was then sent correspondence from TRANSUNION on XX/XX/2018, ( 10 days late ) stating the account in question was " verified as accurate '' with none of the supporting documentation I requested for. 

I also informed TRANSUNION dependent upon their response I would be filing formal complaints with the : Consumer Financial Protection Bureau, Attorney Generals Office, 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 2020-12-10
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have provided every document asked for and Mr Cooper continues to use fraudulent household expenses to deny me. They say I don't make enough to afford everything but then show me expenses that I don't have and at not point provided to them either. They repeatedly put me in a position to contract the virus by requesting and rejected the same documents over and over again. I am an older man and high risk, my health and life should not be played with by these people.

Company response to consumer: Closed with explanation