BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to XXXX XXXX HomeBuyers Choice on XX/XX/2019 and started the process of this loan, I received an email asking me to submit lots of paperwork to get the loan started which I summited everything almost immediately ( W-2,  Paycheck Stubs, Signed federal tax returns for the last two years in which I submit that same day than a few days later I received an email response from XXXX who was my loan officer she replied on XX/XX/2019, in which she told me the document I sent was received and that the loan was on track, I received a mortgage loan conditionally approval on XX/XX/2019 in the amount of {$600000.00} since I had already picked the home and stared the escrow process since before that I had already received a Pre-approval letter for the amount of {$810000.00}. I schedule an appraisal for the property and paid Navy Federal {$490.00} to get that going I received an approved appraisal on XX/XX/2019 the loan was moving perfectly fine I had even a set closing date for XX/XX/2019, then I received the final closing disclosure on the XX/XX/2019 and the loan was unable to close due to the loan processor XXXX in which I tried numerous time to communicate with her and she never responded via email or phone calls she ignored me and my loan officer, I got reassigned out of nowhere a new loan processor named XXXX who was very helpful with the process but I did ask him that if everything was fine and why we had not closed on the according to date we had agreed to which was the 17th he told me that the file had reached closing and it was not supposed to reach that department yet. He told me not to worry that everything was fine and that we just needed a few things from underwriting, then I received a call from my sales agent that he had spoken to XXXX and that the whole loan had been denied. I felt mislead throughout the whole loan process in which I was preapproved for over {$800000.00} then I went and only asked for {$600000.00}, I was allowed to open escrow with Navy Federal knowing that the loan still had not been the final approval. this is terrible business practices as I have no lost half of my deposit which was {$6000.00} due to the sales having to move for the closing and unable to move for also having them fix items from the home, of course, they had reason to be upset for the loan not closing on time also XXXX Have lost my appraisal money as they are not willing to refund me that amount and made me take this unnecessary step to close a loan they had not yet to underwrite. making me lose time and money with a misleading company with no ethics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Radius Global Solutions LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX XXXX is reporting what appears to be a medical debt on my credit report which I have NO knowledge of. I am fully insured with medical insurance which pays 100 % of all of my medical needs. This listing gives a date opened of XX/XX/2018. Again, I am NOT aware of this debt as being mine and I have disputed it with XXXX  but just got the dispute results back saying it has been updated. The original creditor was XXXX XXXX. I do NOT recall having any medical service done that would generate a bill such as this. Otherwise, according to a new credit reporting law, a listing such as this one is NOT supposed to be added to a credit report until AFTER 180 days giving the insurance company time to pay this. XXXX will NOT remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Diversified Consultants, Inc.
State: AL
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:
The credit Collection Agency Diversified Consultants never notified me of a debt. I found out about the alleged debt through a credit alert. Once I found out I mailed a debt validation letter and called the Diversified Consultant on XX/XX/19. During the call ; I learned that it was XXXX XXXX, but I do not owe XXXX XXXX money ( a debt ). The  agent stated I paid XXXX  XXXX ( and the file is closed ), so why is the account on my credit report? I was told because I paid it two days after it was assigned to them by XXXX XXXX. Additionally, I made it clear I did not make any payments to their company ( Diversified Consultants ). Diversified Consultants had nothing to do with making a payment to XXXX XXXX because when I made the payment on XXXX XXXX website : I had no knowledge of a collection account on my credit report. 
The violation of my rights under the FDPCA are as follows : 1. Diversified Consultants did not provide me a written notice of the debt 2. Did not provide with the name of the original creditor 3. Did not give me an opportunity to dispute the debt 4. Did not recognize the 30-day waiting period between validating a debt. Without validating the debt, they are not allowed to seek collection Because of these  violations, I have a right to sue in court {$1000.00} dollars per violation and {$2000.00} per violation under the FCRA. I paid XXXX directly and knew nothing of this collection. I canceled my service with XXXX and did not know my old phone was still locked. At this point I learned I had a small balance I was not aware of ; once I found out I immediately paid the balance online ( XXXX ). Diversified Consultants had no legal right to place any notation of anything on my credit report because I have no legal contract with them or any legal standing with this company. They are basically attempting to ruin my credit when it is clear I made a payment two days after it was assigned outside of my knowledge or receiving a proper notice ( duns letter ). I want this collection deleted from my credit report immediately. XXXX XXXX and Diversified Consultant clearly are not interested in following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to this company. They have 'fees ' that were not disclosed during the loan transfer. 

One of those fees was {$25.00} to obtain a pay off quote. The original mortgage company didn't have any fees. 

When I questioned the fee I was told it was 'required by the State ' and they would not remove it.

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 2021-10-15
Company: Experian Information Solutions Inc.
State: PA
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 disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

XXXX - XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX - XXXX  XXXX  XX/XX/2021 Experian - XXXX  XXXX  XX/XX/2021 XXXX  XXXX XXXX  XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion reporting credit incorrectly. Student loan has been paid in full XXXX balance owed never late

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 2019-06-21
Company: EQUIFAX, INC.
State: IN
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 puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Titlemax loan originated on XX/XX/2018 = XXXX payments started XXXX 2018-present = XXXX balance remaining = XXXX I make 400-500 $ payments every 30 days and not one cent has gone to principle I have discussed with the company on several occasions and was told that I signed the documents, that my vehicle will be repossessed if payments default, that this is high risk/interest loan company. 

I tried to get another company to refinance at a lower rate and was told that Titlemax over loaned me on my car, that my car wasnt even worth what they gave me and that they could not help me. 

Please help, I understand companies are in business to make money but this is excessive ... I have no means of retaining an attorney. I have looked high and low for community organizations and non profits for assistance in resolution. Im not looking for " free '' money. Im looking for " fair '' resolution. This is like 300 % percent loan ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: CA
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:
While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the accounts and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-08-13
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
This company is currently showing 30 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: IN
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 was not late on my accounts, I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, ..I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report immediately

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 2019-05-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a Best Buy card back in XXXX. Upon application I was assured that there were no additional fees or payments to be made other than interest charges. Best Buy somehow signed me up for a protection plan through a company called XXXX that now partners with Citi Bank. I never knowingly opted for any debt protection plan nor would I have wanted to. I DID NOT agree to anything of the sort verbally or otherwise. Any proof that may be procured that may prove otherwise was obtained fraudulently. 

So now, for the last 8 plus years I have unknowingly been paying for this program and the charges total to over three thousand dollars. In addition, these charges are not clearly stated. They were labeled as " Regular. '' I hadn't noticed this until the representative I spoke with on the phone pointed it out to me. Even if I had noticed it before, I would have assumed it was an interest charge. 

The XXXX agent I spoke with on XX/XX/XXXX put in a request for a refund of the charges and proof of agreement. He then said I would hear from them within a month. However, after doing some research through related public forums, I found out that I am not the only customer who has been mislead and affected by these charges I can only describe as fraudulent. Apparently this has been going on for a very long time and many people have been conned out of thousands of dollars. Many of which were denied refunds and denied proof of ever signing up for the program.

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 2019-06-21
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and Equifax are wrongly stating the length of time we have been paying on time our mortgage company. I explained to them on a dispute about the error on their reporting and yet they still showing the same error. We have had our mortgage since XX/XX/XXXX and they are only showing it since XX/XX/XXXX, therefore creating an " insufficient amount or too short of credit history '' reason to lower our credit rating. Consumers are affected with these misreportings. The worst part of all these is that they will not acknowledge it or try to amend it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice forProof of Claim To Whom it may Concern : This is a this complaint is submitted Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Since this is an error I demand that you send me the following proofs for the following accounts : XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AND XXXX XXXX # 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 2018-11-08
Company: EQUIFAX, 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 DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts 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 and Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern ; As of XX/XX/2017 a debt of {$840.00}. XXXX showed up on my credit report from XXXX XXXX. However, I closed out my account with this company before the process of being evicted from the property. Additionally, I did not reside at this residence during the time this amount was accrued. Whom ever lived at the the property after word was receiving electricity while billing fraudility under my name. This account was sent from XXXX XXXX to XXXX XXXX XXXX XXXX. Account number ( XXXX ). I have dispute this debt multiple times via the credit bureau and the collection agency itself with zero results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: Santander Consumer USA 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: Old information reappears or never goes away

Complaint:
I have Santander Consumer USA on my credit report and they are over 7 years old and should be removed from my credit report. Also, they sold the debt are hired XXXX XXXX XXXX after sending XXXX XXXX XXXX a Validation Letter they removed themselves off my credit report. But Santander Consumer USA didn't follow through with the same actions. I would like for Santander Consumer USA to remove themselves from my credit report because they are 7 years old and the FCRA and FACTA both states that the credit report has to have accurate information on it. In this case XXXX has not been following the Law.

Company response to consumer: Closed with non-monetary relief