BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-14
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Recast with my lender-XXXX. I received confirmation with instructions on XX/XX/2018. I wired {$200000.00} to XXXX  along with completed documents on XX/XX/2018. The deadline was XX/XX/2018. My objective was to lower my mortgage payments from {$2100.00} to {$1100.00} to allow me to stay in my home ( husband died of a XXXX XXXX and I am unable to work due to an XXXX of my XXXX XXXX   ). I received a letter on dated XX/XX/2018 on approx. XX/XX/2018 stating my loan had been transferred to XXXX XXXX/XXXX XXXX. I am being told I need to restart the Recast process with no guarantee they will comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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: Their investigation did not fix an error on your report

Complaint:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}

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 2020-07-20
Company: Experian Information Solutions 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 filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on XX/XX/2020.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
On XX/XX/XXXX, there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. Let it be clear, I DID NOT APPLY for an American Express card! Nor did I receive any letter from American Express. XXXX XXXX and American Express illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FIFTH TIME I am addressing American Express EGRIOUS NEGLIGENCE! After the XX/XX/XXXX CFPB complaint, I received letters dated XX/XX/XXXX from American Express stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does American Express not understand? I DID NOT APPLY FOR AN AMERICAN EXPRESS CARD! Any application American Express received was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX PHH Mortgage Regular Mail : PHH Mortgage Services Attn : Loss Draft Correspondence XXXX XXXX XXXX XXXX, OH XXXX Overnight Mail : PHH Mortgage Services Attn : Loss Draft Correspondence XXXX XXXX XXXX XXXX, OH XXXX Re : PHH Mortgage On XXXX XXXX my primary residence was badly damaged from the creek fire. PHH mortgage which services my mortgage account obtained an insurance company to cover the loss and issued a payment for {$380000.00} to rebuild. I obtained a contractor XXXX home builders along with XXXX and XXXX XXXX XXXX and XXXX XXXX. Permits where obtained and construction started in XX/XX/XXXX. Around XX/XX/XXXX the project was halted due to a correction discovered by the County inspector. The project has since been at a standstill since then and PHH mortgage which has the remaining {$190000.00} in an escrow account is refusing to release additional funds to make the necessary corrections in order to complete the project. I have been reaching out to them since XXXX XXXX in order to explain the situation and have a small portion of the funds released to get the correction complete and get us over the 50 % status in order to get a larger portion of these funds to move forward. I have hired an attorney XXXX XXXX to handle the matter but it has been a huge financial burden for me. I continue to make monthly mortgage payments for my house while living elsewhere. I can not continue much longer as things are and need assistance urgently. 
Having lost all my personal belongings in the fire. Becoming homeless overnight and struggling to keep my job and sanity. If your office can assist me with this matter it will be very much appreciated. I can be reached via email and phone and looking forward to a response. 

Best Regards, 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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit 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 non-monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: AR
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 reached out to the company and ask them to submit signed documents to me about accounts on my credit report. This is a big deal for me. They are suppose to respond in 30 days and its been well over 45 days since ive received anything from a letter that i sent in.

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 2018-05-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX issued a loan to cover XXXX  care that was supposed to be interest free until a date, giving time to repay the entire amount before interest accrued. A payment was due on XX/XX/XXXX which was missed due to personal emergency ; an additional {$200.00} was added to the amount cited on the pay-by-phone account information call of {$2200.00} on XX/XX/XXXX bringing the outstanding balance to {$2400.00} -- that's an additional charge of {$200.00} accrued as of XX/XX/XXXX. It took 30 minutes to get through to a person at a call center in the XXXX who would/could not help but kept repeating the same sentence. This is usury and the CFPB is supposed to be protecting us ordinary citizens against these usurious practices. This bank needs to be investigated and regulated and punished for charging usurious rates of interest.

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 2020-07-20
Company: Ability Recovery Services, LLC
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:
Ability recovery has erroneously re-aged a debt reporting on my credit files after request for validation and dispute. 

I filed an initial complaint with CFPB in XXXX of XXXX on lack of response to a debt validation request from Ability Recovery Services LLC for a debt in the amount of {$730.00} originating from XXXX University. After receiving the validation information sent from Ability Recovery Services I filed a dispute for erroneous information. The date of the original account on the letter they sent me reads XX/XX/XXXX. The debt was being reported to the credit bureaus as having an opening date in XXXX. 

Instead of correcting these dates the company has re-aged the debt to XXXX in violation of the Fair Credit Reporting Act! 

This type of predatory action should be stopped.

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 2022-02-01
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 noticed this fraudulent activity on my credit report XX/XX/XXXX. Once I reviewed my credit report I reached out to XXXX XXXX XXXXXXXX and they stated that the charges was dated for XX/XX/XXXX in the amount of {$2200.00}. I informed them that I did not go to a hospital or seek any major medical attention that year. 

Original Creditor : XXXX XXXX XXXX Creditor Info : 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 2023-08-05
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission.

I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application.

My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT.

ATTACHED YOU FIND A COPY OF MY STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: SANTANDER HOLDINGS USA, INC.
State: TN
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 issue has impacted me from making significant purchases for my family. Under the Fair Credit Act 15. USC and 1681, there should not be any damage to my report, which is defamation of my character. It has significantly affected reputation and character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: AZ
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:
NOTICE AND DEMAND this account is a corporate LLC account I am the member agent for signing this information is been reported erroneously and needs to be deleted this may cause a repairable damage and needs to be deleted before were on the 30th day upon investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
checking my credit profile ive noticed alot of invalid information only credit report that is hindering my file. I'm interested in disputing all incorrect information on my credit report. all credit reports are supposed to be 100 % accurate. please update all information asap.

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 2021-05-20
Company: WELLS FARGO & COMPANY
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:
I will attach here proof from my bank account with XXXX XXXX XXXXXXXX to prove that I was never late and/or delinquent with Wells Fargo Auto. Please remove all 11 late payments from the 4 credit bureaus. Or remove this account completely from all 4 credit reporting bureaus.

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 2020-07-20
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX and XXXX XXXX XXXX as combined services. Back in XX/XX/2020 I disconnected my XXXX XXXX, but kept XXXX XXXX XXXX as my cell phone provider. When I disconnected the service with XXXX they told me I wasn't going to owe anything because I was cancelling at the time of contract renewal. Then 3 months later I received a bill for XXXX from XXXX they told me that a bill with XXXX XXXX XXXX and pay it thru them because it was a joint account so I did. The confirmation number for that payment is XXXX on XX/XX/2020 thru my checking account and that confirmation number was provided by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has no record of the payment and they sent me to Credence Collections. I tried calling Credence several times and they want me to give them my personal information and yet tell me they can't look me up by account number they gave me on the bill they sent me. I believe this is all a scam. I have paid my bill owed and never once received another notice from XXXX, but I continue to get calls from Credence. I tried resolving this last week with XXXX XXXX XXXX who had put me in contact with someone at Credence and they continue to call me and I continue to receive bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
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:
I have an outstanding debt with XXXX XXXXXXXX XXXX XXXX that I have with a deposit related debt for {$480.00} that does not belong to me. This debt is the result of identity theft back when the account was originally opened on XX/XX/2019.

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 2020-10-29
Company: GreenSky, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My Husband and I purchased new windows for our house through XXXX XXXX. We decided to take advantage of a financing offer through XXXX 's partner, Greensky Financial. We applied by providing our information to the XXXX representative using our legal names, XXXX and provided the XXXX 's representative with our state issued identification as well as our personal information, all of which has my married name of XXXX. When our first statement arrived I discovered that Greensky had changed my name back to my " maiden '' name of XXXX, citing that they did it because that is what the credit bureau has listed as my last name. Greensky refuses to correct the error and instead demanded that I provide a copy of my marriage license. It is my belief that Greensky Financial has discriminated against me due to my gender. I firmly believe that if I were the secondary applicant and I was a woman my name change would in no way be questioned. I frequently check my credit with all three bureaus and they all have me listed as XXXX XXXX and XXXX as " other names known by ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Global Lending Services LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This company has called and messaged multiple times daily regarding a balance past due less than 30 days. I have received more than 3 phone calls a day since XX/XX/14. I spoke to the billing representative on that day stating payment would be made within 3 weeks to please not call until payment is made. A representative today failed to confirm the identity of the person on the phone call but continued to harass and badger me saying they would only stop calling if I promised to make payment within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving debt collection calls and letters for a debt that was charged off and collected almost 20 years ago. Santander Consumer USA was the original creditor, who repossessed a vehicle and sold it at auction. The original creditor sold the vehicle at a price that covered the whole balance owed. The harassing debt collector is XXXX XXXX XXXX XXXX. I have contacted them and have tried several times to stop the harassing, but I am still getting harassed with calls and letters for debt from 20 years ago. XXXX XXXX XXXX XXXX is in violation of statute of limitations. I am considering filing a lawsuit against XXXX XXXX XXXX XXXX for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Since XX/XX/2018 until present I have tried to cancel a recurring {$19.00} Experian Credit fee. I can not email them, they make you call and never answer the phone. I have called more than a dozen times with 20 or more minutes of wait time. Please stop them from stealing.

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 2023-05-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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