BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: TX
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:
Please be advised this WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2020-07-31
Company: Experian Information Solutions 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:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have been trying to resolve XXXX items showing on my credit report since XXXX XXXXXXXX XXXX I have written to all 3 credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent 3 letters regarding these accounts. I know they have 30 days to respond but it has been over 90.

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 2018-08-08
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX of XXXX I received a hard inquiries on my personal XXXX Credit Report from PNC Bank which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from PNC Bank in connection with these request on these days. I am and have been a victim of ID theft in the past and my credit reporting tool login indicates recent hacking on my profile as far back as XXXX. While nothing has happened this year, I would like this to be addressed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Shellpoint for OVER a year now to process a " court-ordered '' short sale on my property. They have made this very difficult with 4-5 different points of contact during this time. As a result, I have to start the process all over again. Each time, the service agent says they ca n't find my file papers ( such as my XXXX XXXX ; my XXXX XXXX page, etc. ). Then, three months later all of the paperwork is out-dated and I have to refurbish new documents all over again. 

Furthermore, their communication process is horrible. They say they have called and requested documents from ME, but they have not ... not one of their numbers has been listed on my cell phone caller ID. I just found out today, XXXX/XXXX/XXXX, that they were missing one page of a document back from XXXX XXXX, XXXX ... it 's been almost two months! Ridiculous! 

I have a buyer for this property and I 'm paying extra each month to keep squatters out. I wish someone would hold this mortgage company accountable for expediting workflow. It seems as though they really want me to file a foreclosure, which is what I am trying my best to avoid. 

I NEED HELP WITH THIS HORRIBLE SHELLPOINT MORTGAGE COMPANY!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting the following items inaccurately XXXX see enclosed ). This violates the FCRA.

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 2020-09-10
Company: ALLY FINANCIAL INC.
State: SC
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:
I entered into a deferral agreement on my two vehicle loans with Ally in XX/XX/2020 due to the affects the Coronavirus had on my business at that point in time. Attached are a copy of the confirmations for same. 

Ally had reported the accounts delinquent in violation of the CARES Act which requires that a financial institution continue to report  accounts in a current status if they were current on XX/XX/2020 and some type of accommodation has been made or to report the account in the same delinquency status on the account tradeline if it was delinquent as of XX/XX/2020 and not progress the delinquency. 

Ally has caused me substantial damages by reporting my account delinquent. My credit score has fallen significantly, which has not allowed me to get another vehicle loan when my vehicle has needed repairs. I was also in the process of getting a Mortgage for a new construction loan for a new house. This has now had to be cancelled. 

I have contacted Ally directly numerous times, and while they escalated it once I expressed my rights and requested an AUD be files, they have yet to respond to my requests for immediate resolution and or a satisfactory resolution. 

I respectfully request that Ally file an AUD to cure this deficiency immediately to mitigate my damages.

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 2018-08-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We took out a loan with One Main Financial in XXXX Ga on XX/XX/2018. We went and paid off the loan yesterday. The loan amount was XXXX plus a XXXX processing fee. They financed XXXX dollars which we were not aware of what exactly went on with that as XXXX of it was a life insurance policy and the other was for XXXX for home and auto insurance. However a check was cut for this last amount and my husband and I had to sign the check and One Main kept it although our loan papers say it was given to us and was not ... The interest rate is 36 percent a year on the loan. But as I said we paid it off not even one month later. Our payoff was XXXX. This is XXXX dollars in interest for less than one month  of a loan. In addition they claim they took off the XXXX insurance check as it is refundable to us when we pay off the loan. So in all One Main is  saying we paid them over 1200 dollars in interest for a loan that is less than one month old. This seems like a scam and a rip off. Had we had the loan longer I could see the high interest charge but the 36 percent in the papers says it is a yearly interest rate so it makes no sense. Seems like we should have paid XXXX or something in that area, not XXXX in all for a loan less than one month old. I would like this investigated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around Spring of XXXX I was underemployed and fell behind on my two Citi credit card accounts. I called Citi to figure out a payment arrangement ( according to their records, on XX/XX/XXXX ). The arrangement was to make the accounts inactive, consolidate them, and for me to pay $ XXXX/month toward the outstanding balance until the bill was paid off, which was to be automatically deducted from my primary checking account. Every month, I have {$50.00} deducted from my checking account to pay towards what I assumed was our payment agreement. For over two years, I have been under the assumption that I was paying toward the total as agreed. 

In XX/XX/XXXX, I received a court summons from a debt collector called XXXX XXXX, XXXX, who claims to have ultimately bought the debt of one of my credit accounts from Citi in XX/XX/XXXX. The outstanding balance on the account was listed as the same amount as the final statement I received from Citi in XX/XX/XXXX, which was {$2900.00}. According to the summons, Citi charged off the account on XX/XX/XXXX ; 11 days after I made my payment arrangement with Citi. 

In XX/XX/XXXX, I called Citi to talk to a representative about this situation. After getting passed around through a half dozen agents, someone was finally able to locate my apparently defunct account information. The agent confirmed that I spoke with a representative on XX/XX/XXXX, and created my payment arrangement of {$50.00} per month towards my outstanding balance. The agent then said that the account was sold to XXXX in XX/XX/XXXX, but gave no reason as to why or how. When I pressed that this was all clearly done in error, the agent seemed to agree that it was a mistake, but was adamant that it was no longer Citi 's problem anymore, and that I needed to contact XXXX to work out payment with them. I had the agent send me the statements of the defunct account in question. 

After receiving the statements, the most recent statement reads that the minimum payment due is {$50.00}, is due on XX/XX/XXXX, and that I am in a payment program. All of which confirms what I am saying, and that this was done in error. 

In short, I am being sued by a debt collector, Unifund, due to an error made by Citi regarding my account that was in a payment program that I have been paying toward. Citi, or at least the agents that I have spoken to, seem entirely uninterested in helping alleviate their mistake. 

Side note : After 'answering ' the initial summons, the plaintiff, XXXX, has made a list of requests that I find would be next to impossible for any normal person to fulfill given any amount of time, much less than 30 day time period in which they dictate a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The home is in a Trust. The owner XXXX XXXX passed away. The grandson is the co-administrator has been trying to work with Ocwen Loan Servicing to save the home. 
The home has a sale date of XX/XX/2018. 
First they told us that we had to send in a modification application but it had to be from one person. XXXX XXXX XXXX gave the application with all of the necessary documents. 
A complete modification package was submitted. Then Ocwen stated that the property had to be in an assumption. They wanted a new title. Before the new title was recorded in the XXXX County Clerk 's Office, we faxed the copy prepared by the attorney to XXXX ( after waiting two or more weeks ) then they said we had to fax it to XXXX and we did. Now they are saying the Title in correct, we sent it to them for their approval! They wanted proof of Insurance, then they wanted an affidavit from the XXXX XXXX XXXX that he was the Grandson and we sent it. Our last conversation was that they were reviewing the complete modification package. 
The person assigned to the account is XXXX, but the last person that called is XXXX who has no idea what is going on in this account. 
On XXXX we sent The title for approval to XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: BMW Financial Services NA, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I contacted the dealership once I drove off the lot of problems back in XX/XX/2016 with the vehicle shaking at 50-55 speeds. I brought the car into services multiple times when most of the times it was never documented that I brought the car in. I ask if the service manager if he can replace the car and there was no interest in to what I was saying of the problems the car faced. I ask the dealership to keep the car because I no longer wanted the car and now it saying I am responsible for the outstanding balance after being sold at auction. The new owners have also repeatedly brought the car into service for the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This is a complaint in response to a previous complaint # XXXX : ( You can reference this prior complaint to access the details. ) This is a follow up complaint against Bank of America for closing our newly opened joint checking account. My original call to the bank about this resulted in speaking with someone who told me that they had decided to cancel/close the checking account, and that they did not have to give any reason for doing so. I was also told that we could NEVER open another account with BofA again, ever! But, I was told that I could keep my BofA XXXX card with a {$40000.00} limit ( which, by the way, has a {$0.00} balance )! It was at this point that I filed the first complaint with CFPB. In response to this complaint, I did receive a return call from Bank of America, but their response was what they originally said, that is, " We don't have to give a reason for closing your checking account. '' However, the representative did suggest that we should order our reports from XXXX, and that should show what the reason was. He also said we could try to open an account again, which is in direct contradiction to what we were told before. We received our XXXX reports and they show nothing in regard to any reason for Bank of America closing our account.

Therefore, I contacted Bank of America again and was directed to call the Risk Department at phone # XXXX. I spoke with several different people and eventually ended up with XXXX who, after listening to my issue, put me on hold for 26 minutes, only to come back and tell me the scripted answer " We don't have to tell you the reason for closing your account. '' This answer, which is not really an answer, is totally unacceptable. Since the XXXX reports showed no cause for termination, we can only assume that we have been discriminated against. I will extend to Bank of America 2 weeks from the date of this complaint to respond with an actual explanation and an apology. I believe it is my right to know why I would have a checking account closed. I have no outstanding bills or credit lines, etc ... and have a FICO score in excess of XXXX. I also had been a BofA customer for over 30 years with several accounts that never had an issue. How do I know if my information may have been confused with someone else? Or did some BofA employee just decide they didn't like something in my information and made the decision to close the account? If so, why can't they tell me what the determining factor was? Or was there no actual reason other than someone's whim to discriminate against us for some reason? If this attempt does not resolve with an acceptable answer, my next recourse will be legal action and social media exposure.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right 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 my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right 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 my hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right 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 my hand written instructions.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right 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 my hand written instructions.

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 2020-07-17
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:
FTC Violations XXXX XXXX  {$380000.00} XXXX XXXXXXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted XXXX, XXXX, XXXX XXXX, and Equifax by certified mail in XX/XX/XXXX and numerous phone calls have been made to XXXX from XX/XX/XXXX to rectify that I had no notice that after my loans have come out of deferral payment was due. This was due to the fact I had moved from XXXX to XXXX after my graduation from XXXX XXXX program from XXXX to take a XXXX position in the XXXX XXXX area. 

I started work in XX/XX/XXXX as a XXXX  in the XXXX XXXX  of XXXX  and filled out a mailing address change. I never received any notification from XXXX about my federal loans being late. When I contacted them in XX/XX/XXXX after I had run my credit report, they were accommodating and refinanced all my federal student loans. But they never removed the lates from my credit report. I had several calls with them to remove the lates as they had changed the designations as administrative deferrals for the time period we discussed in XX/XX/XXXX. Being a XXXX is busy and I do not have time to be on the phone as XXXX bounces me around to rectify this situation. 

Needless to say I have sent certified letters to XXXX and all three credit bureaus ( see atttachment ) and have no resolution of the matter to remove all the lates. This is a real impact to me because I have private loans with XXXX that I want to refinance and because of the lates on my 12 accounts with XXXX, this has lowered my credit score which has been going up and now a XXXX. But the banks have denied me due to the lates on my student loans. Which does not make any sense as XXXX refinanced all my federal loans with no problem. So if I was such a credit risk why would they even do that. In addition, since XX/XX/XXXX I have been on time with all my loan payments. 

In accordance with the Law, Fair Credit Report Act Section 623 ( a ) ( 2 ), XXXX the student loan provider are to update my credit history and has not to date. I have hired a service XXXX XXXX that has written the three credit bureaus and XXXX heavy legal letters dated XX/XX/XXXX and to date all three credit bureaus have not removed the lates and XXXX has not responded. 

I am reaching out to the CFPB to help me resolve this matter which is impacting my finances and to be able to refinance my private XXXX loans and remove my widowed mom from my private loans as the co-signor. I make a good income with XXXX and am employed as a XXXX   of XXXX. Other than the lates incorrectly reported by XXXX, my credit history is excellent. 

Please help me to recitify this situation and get my credit back in good standing and remove the lates. This will allow me flexibility to refinance my private XXXX student loans and get a low interest rate to help me with my monthly payments. 

Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX  on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation