BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Shellpoint Mortgage Servicing regarding an FHA modification and was told that the only way for the loan on my house to be modified is to assume the loan since I was only on the deed and my ex-husband is now only on the mortgage. They already had the XXXX claim deed but still would not allow me to assume it without his signature allowing me to assume it. He has been non-compliant and they have been aware of this from the beginning of this process, which started in XX/XX/XXXX. 
Even though I was approved by FHA for the modification, pending on-time trial payments, they ( Shellpoint Mortgage Servicing ) would not accept the modification without the assumption paperwork. 
They sent incorrect assumption paperwork stating that my ex was deceased and never sent correcXXXX paperwork. They finally sent the correct assumption paperwork late XX/XX/XXXX but never gave me a deadline for when they needed it back. They knew that I XXXX need to file a contempt of court from my divorce case in order for him to sign it. My representative informed me that she would let me know when the absolute last day was to have it back to them but she never replied. All of a sudden I received a notice that the offer to modify the loan was rescinded and a foreclosure sale has been scheduled. The mortgage servicer is not responding to my written requests for further information or explanations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: The CMI Group, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I checked my credit profile at approximately XXXX CST and upon viewing my report I noticed erroneous and fraudulent accounts on my profile. The accounts that are not authorized by me are as listed : XXXX XXXX XXXX XXXX  Account number : XXXX amount : {$1700.00} XXXX XXXX XXXX XXXX Account number : XXXX amount : {$1500.00} XXXX XXXX XXXX  Account number : XXXX amount : {$53.00} XXXX XXXX Account number : XXXX amount : {$180.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account nameXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : US DEPT. OF EDUCATIO XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2019-03-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/2015 I leased a XXXX XXXX ( three-year lease ) and received financing from XXXX XXXX I set up automatic payment for all payments. 

Recently, they are claiming that I have one remaining payment. I asked them numerous times to send me via US Mail or email a copy of the statement -- especially as there are other charges ( disposition fee, and wear-and-tear ). 

They told me they would send via certified mail the statement, but I have not received anything yet. In the meantime they are harassing me with unlimited telephone calls demanding that I pay. I believe I have a right to a paper or PDF copy first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE DELETED 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 2023-05-12
Company: EQUIFAX, INC.
State: TX
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-05-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX - {$99.00} XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$99.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$100.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$99.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$89.00} XXXX XXXX XXXX FL XXXX All these locations committed fraud, I've never been to these location. Wells Fargo confirmed that I as a client have no history in any of these locations. But they only refunded the first incident of this, and told me I'm out of luck with the other ones. Even though it is in their 'notes ' that I'm not at fault here.

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 2018-09-29
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 is missing that should be on the report

Complaint:
I requested the student loan be removed and old addresses be removed from my report that is missing information and is reporting inaccurate information on XX/XX/2018. They didn't remove them even when 30 days passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXXXX/XX/20

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one has frozen my bank account for a SBA loan I was approved for. I have spoken to the SBA and that indeed is my loan, I provided all necessary information. They are gaining interest on my money while holding it. When I was approved for the SBA loan through XXXX XXXX, they were informed I can have it deposited there with no issue. I have complied with giving all information that is required, including my loan approval. 

I am a XXXX XXXX and do not have a XXXX account. Furthermore there are no branches in my area to even walk into to do so. 

My money is all frozen. I can not do anything now, I have a family and my whole life is on there. Please, look into this. 

Many people have had this problem. Its wrong when we are hard working people trying to survive. We are not criminals, please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Just bought a car and before I could plate it I was in an accident not my fault the other insurance company took for ever to settle with santannder they continued to charge interest on the vehicle loan which I was also still making payments on also I have ask them to wave the interest since they were the ones that settled with the insurance but still were charging me until they got the payment also they said it was for the warranty that obviously was not needed again didnt even have the vehicle 30 days I would like it removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed two of my credit cards accounts without issuing any warning, sending any email, or a letter to me. Capital One accused me of attempting to make fraudulent transactions. I made an online payment on XX/XX/XXXX however due to the high amount of {$2400.00}, my bank did not pay Capital One and the ACH was returned on XX/XX/XXXX. However, on Monday, XX/XX/XXXX, I mailed a paper check for the same amount. The check was received by Capital One on XX/XX/XXXX and it was posted to the account the same day. 
XXXX XXXX Payment from Mail Payment- {$2400.00} Posted : Thu, XXXX XXXX, XXXX Method : Mail Confirmation Code : XXXX Then on XX/XX/XXXX, I made another payment of {$67.00}. 

Capital One without contacting me, issuing any notice, just closes my account. I called their customer service line and explained the problem, they refused to re-open the account. I explained if it was intentional of me to make a blank payment and commit fraud, I would not have mailed the paper check which was not returned by my bank, was paid by my bank, and the transaction was posted in the Capital one credit card account. 

In addition, Capital One closed a second credit card which did not have anything to do with the first credit card. When I called, the representative told me it is the system. I said it can not be system since I have three credit cards with Capital One. If Capital One is accusing juging the return online payment as fraudulent, they should have closed all three accounts. Such bad business practices from Capital One is going to ruin my credit. I never made any late payments on the credit cards, thus Capital One refused to re-open the two accounts for me. Such companies like Capital One should be investigated further for malicious business practices. This credit card companies do not care about consumers. They are just to destroy people and make us go to XXXX and XXXX. 

Now, my credit score will lose a lot of points. Capital One never email me and I found out that the two accounts are closed today XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Purchased a new XXXX vehicle in late XX/XX/XXXX. Loan was provided by XXXX XXXX XXXX XXXX. 15 Years has elapsed since the loan was taken out, and the loan was paid in full. I am selling the vehicle, but unable to locate the title. DMV requuires Letter of Lien Release. Charter One is now defunct. It was apparently taken over by Citizens One / Citizens Bank per the FDIC website Tried using their " MyTitleSuppor : title service on XX/XX/XXXX,  which is unable to find the title. Tried calling Citizens Bank and they are unable to find the vehicle in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A XXXX card account number XXXX that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.

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 2018-09-27
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My auto loan was transferred to Westlake Financial. The initial conversation I had with them was fairly pleasant. Before I was transferred I was due for my XXXX payment. Which is due on the XXXX of each month. The month of XXXX was tough for me. I called in on XX/XX/18 and made my XXXX payment. The representative I spoke to was very nice and helpful. She advised me that my XXXX Payment was due, which I was aware. My XXXX Payment was due XX/XX/18. The representative and I discussed a way for me to get caught up, which was extending the XXXX payment to the end of the loan and that way my next payment would be due n XX/XX/18. I thought that was helpful and agreed. She then advised me that I would have to call on XX/XX/XXXX to request the deferment. I stated ok, I will call then. Then on XX/XX/2018 I received a call from Westlake Financial on my cell phone at XXXX, XXXX XXXX and XXXX. Then on my work phone at XXXX XXXX. I was confused as to why they were calling so on my lunch break, I called them. The first representative I talk to stated my account was delinquent and that why I received calls. I told her I was not then she explained that I would get call if I'm 1 day late. I thought this was absolutely ridiculous. I was technically 14 hours delinquent and they had already called me 4 times including my work phone about an account that is 14 hrs. past due. So I then stated well I already had spoken to a representative yesterday, XX/XX/18, explained what was going on, made a payment and agreed to call back on XX/XX/XXXX to request the extension. The representative told me that was not an agreement and I would still get collections call. I stated why would ya 'll call me, if you see in the notes that I am going to call on a certain date. That seems like a waste of my time and yours to keep calling. Then to call my multiple times like my account is months past due. I was upset at this point. I requested a supervisor. The supervisor then told me that I did not have an agreement that is a verbal agreement. He saw the notes of what was going to take place but said that did not mean anything until the deferment took place. I was upset. the only thing he could say was you can request for your number to be removed from the dialer. So I agreed. I think this is a violation of CFPB. The called my 4 times before XXXX for the account to only be 14 hrs. past due. Also when I spoke with the first representative she did not advise me that I would continue to get collections calls. Also, they do not add a late fee on the account until the account is 10 days past due. So I should not be receiving calls anyway. I think this is unfair treatment and harassment to call someone that many times in that short of time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX a check was mailed to pay off a Barclays credit card for the balance owed ( {$6200.00} ). The check did not have the credit card account number on it however, the remittance slip was mailed along with the check. The check cleared on XX/XX/XXXX, however, it has not been applied to my account. I called Barclays on XX/XX/XXXX to find out why the payment has not been applied. Barclays has begun a " case '' with an identifying case number to investigate where the funds are. I've also faxed them a copy of the front and back of the check to show its endorsement. I'm very unhappy that this could possibly take that long to resolve. They have all of the appropriate documentation and they've now had the funds for 11 days. Is it perhaps sitting in an account with other unprocessed payments making tons of interest for Barclay the company? I was initially told it would take 1 to 2 billing cycles to resolve, but I escalated it with a supervisor, who told me to call back in 48 hours. I did that today ( XX/XX/XXXX ), and STILL no change in status. Needless to say, I'm very frustrated. I've never had a credit card company take this long to resolve a problem.

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