BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to recast/reamortize an existing loan for about two months. XXXX/PHH mortgage has utterly failed to process the request. I have now requested a payoff quote and they do not respond. Here is the communication log that has failed to produce action on their part : XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Recast Letter XX/XX/XXXX XXXX XXXX  EMAIL RECEIVED Please allow 2 business days XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX XXXXMAIL RECEIVED Auto response XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Recast submitted, please allow 10 calendar days XX/XX/XXXX XXXX XXXX  EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Auto response XX/XX/XXXX XXXXXXXX XXXX  EMAIL RECEIVED Still processing XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Auto response XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX minutes

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
incorrect credit score reporting, unable to obtain credit report online.

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 2021-08-02
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: Personal information incorrect

Complaint:
There are wrong phone numbers on my credit report and I want them removed. The phone numbers are XXXX and XXXX. These phone numbers never belonged to me. So I want them deleted from my account. On my credit report it has working at XXXX XXXX and I never worked there and I want that removed. I worked at XXXX XXXX XXXX and 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 2022-08-20
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent an email to Santander notifying them that I had changed hazard providers on XXXX and provided them with a copy of the evidence of insurance and paid in full binder. I received a letter from Santander on XXXX stating that they had received my new insurance information and sent payment to the provider. I called and spoke with XXXX who told me that they would put a stop payment on the check and reimburse my account since it was already paid in full. Once complete, he was supposed to send me an email. I just looked at my account details and something is amiss. My account makes no reference to the funds that were disbursed to my previous hazard provider on XX/XX/XXXX in the amount of {$1900.00}. In addition, the incorrect disbursement to the new provider on XX/XX/XXXX, which was supposed to be reversed, is still present. Also, the refund from my previous provider is noted as received on XXXX amount of {$1700.00} ; however, my agent informed me that the refund sent to Santander was for $ XXXX leading to a {$10.00} discrepancy. I would like my escrow account audited for accuracy, with a full account of debits and credits sent to me. In addition, since I paid for my current hazard policy in full, and Santander has received a refund for my previous policy, I would like an escrow account analysis completed with the overage sent to me. 

I previously submitted this complaint and Santander responded that this does not belong to them. I pay my mortgage on Santander banks website. My statements come on Santander letterhead. When I call, they answer Santander Bank. I know Santander hired dovenmule to sub service for them but they are the master servicer and are ultimately responsible.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted letters to Experian requesting their help to investigate and verify the accounts ' information and have it corrected to appear accurately on my Credit File. Experian must be required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the entire account ASAP : XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XX/XX/2022 I received a text from Capitol One stating that they believed I may be the victim of fraud and that we should contact them at a number given in the text. I choose to call them using the number on the back of my credit card and was referred to the Fraud Department. They asked for and I provided the normal proof of identification, to wit, credit card number, address, zip code and last four of my SSN. Then they said that they needed a photo ID and would send me a link where I could send a photo copy of my Drivers License. I had never heard of this before and stated that I would not do that. I didn't have to provide a drivers license to get the the card, nor had I had to provide a copy of my drivers license in the past when I had been the victim of Identity theft with Capitol One. The person basically stated that without the Drivers License they could not move forward. They would not tell me what the suspected fraud was, what the amount was or give me any information that would help me determine if it truly was fraud. Capitol One has locked the account and will not move forward to any resolution until I provide them with a photo copy of my drivers license. I have been their customer for over 25 years and think this is a blatant attempt to obtain information they don't need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Thaxton Investment Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am repeatedly getting calls over and over up to 12 times a day by this company when I cant answer because its during my work hours. Then they start calling my contacts/references up to 6-7 times per day. This is harassment towards me and my references. I called them back when I went on break and told them I would be in when I got off work and to stop calling my references/contacts because they are calling me saying their job is in jeopardy after their phone is repeatedly ringing. And to take this contact off of my contact sheet. Even after I told them them this they called my contacts 2 more times and myself two more times. I have saved all the call logs and also got all my contacts call logs to show the amount of harassment we are getting from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
These companies keep reporting this information on my consumer reports and they need to be deleted

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 2022-06-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I need the CFPB to take a second look at this clear fraud. 

XXXX RESPONSE FROM XXXX They are now saying that the maturity date listed on all of my documents as XXXX is now a draw period date and that we did not make consistent payments from XXXX to XXXX, yet there is no credit reporting of delinquency on any of our credit reports. How could we go from XXXX to XXXX with no payments and then from XXXX to XXXX make consistent payments according to their documentation and still owe {$5200.00} dollars. So for 16 years according to them we did make consistent payments, lets do the math : 16 years ( 192 months ) times {$200.00} payment equals {$38000.00}. Under no circumstances could we have not paid off this loan. This is insane that they are allowed to continue to do this to people. Who is not looking at this fraud and not seeing fraud?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/XXXX/2022

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 2022-06-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and found the following errors and reporting inaccurately. Here as follows is the item in error : - XXXX XXXX XXXX The credit limit on this secured credit card is {$1000.00}, its reporting a high credit of {$900.00} that is inaccurate. There is something that XXXX XXXX made up called a permanent credit where they kept my money in the amount of {$580.00} on an account they closed after I filed a complaint with the Consumer Finance Protection Bureau. In addition to a credit of {$26.00} and {$5.00}, this totals {$610.00} which is money that has not been spent. The balance of {$380.00}, which is accurate is not a high balance is what should be reported. I will include a letter from XXXX XXXX admitting to the permanent credit, which can not be spent by myself of my own money. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and found the following errors and reporting inaccurately. Here as follows is the item in error : - XXXX XXXXXXXX XXXX The credit limit on this secured credit card is {$1000.00}, its reporting a high credit of {$900.00} that is inaccurate. There is something that XXXX XXXX made up called a permanent credit where they kept my money in the amount of {$580.00} on an account they closed after I filed a complaint with the Consumer Finance Protection Bureau. In addition to a credit of {$26.00} and {$5.00}, this totals {$610.00} which is money that has not been spent. The balance of {$380.00}, which is accurate is not a high balance is what should be reported. I will include a letter from XXXX XXXX admitting to the permanent credit, which can not be spent by myself of my own money. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: SYNCHRONY FINANCIAL
State: OH
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:
most of my credits cards, have put in disputes. they are not resoled to my satisfaction or are ignored. this is been going on for five months talking to the company 's Please help 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 2019-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAD DISPUTED A COLLECTION ACCOUNT XXXX IN THE AMOUNT OF {$1200.00} FROM THE XXXX XXXX COMPANY ON XX/XX/XXXX AND IT WAS DELETED FROM ALL 3 OF MY BUREAUS ON XX/XX/XXXX IN THE MONTH OF XX/XX/XXXX IT WAS REINSERTED ONTO MY XXXX   AND TRANSUNION REPORTS, SO I SENT A CERTIFIED 5-DAY REINSERTION LETTER IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION 611 ( a ) ( 5 ) ( B ) ( ii ) TO BOTH XXXX AND TRANSUNION, BOTH ELECTRONICALLY SIGNED IN ( I HAVE ATTACHED BOTH SETS OF LETTERS ) AND NOW THEY ARE IN VIOLATION OF THE 5 DAY AND HAVE NOT DELETED THEM FROM MY  BUREAUS. I HAVE RECEIVED NO DOCUMENTATION IN THE 5 DAYS AND I WANT THESE 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 2022-08-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reviewed my credit file and noticed multiple inaccuracies on my report. I do not consent to this inaccurate consumer reporting. I, XXXX XXXX, am a natural person, and am submitting this dispute on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reviewed my credit file and noticed multiple inaccuracies on my report. I do not consent to this inaccurate consumer reporting. I, XXXX XXXX, am a natural person, and am submitting this dispute on my behalf.

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 2022-11-27
Company: Exeter Finance Corp.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Exeter Finance LLC is reporting an auto loan as a joint owner to my credit report. I have not sign or given my authorization to get any vehicle under my name as primary or co-signer. This vehicle begin reported in my credit report is affecting my finance reputation notability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: SYNCHRONY FINANCIAL
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or Before the Day I used my XXXX A.C.H.Checking Account and A.C.H.Savings Accounts, to AMAZON on XX/XX/2022. I used AMAZON Checking Account to make purchases and never received my Refund or My purchases.

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 2022-08-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reviewed my credit file and noticed multiple inaccuracies on my report. I do not consent to this inaccurate consumer reporting. I, XXXX XXXX, am a natural person, and am submitting this dispute on my behalf.

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 2022-08-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells Fargo VISA, Customer Service Reference : Wells Fargo VISA ending XXXX On XXXX I charged {$160.00} to my Wells Fargo VISA as payment for my XXXX XXXX XXXX XXXX  XXXX XXXX Maryland XXXX. That {$160.00} VISA charge has been in pending status since XXXX, and wont post. I called Wells Fargo VISA representative on XXXX and explained that I need to get this payment either POSTED or CANCELED. That representative suggested that I check back in a couple of days. I called back today XXXX and talked to another representative and explained the same thing to them ad nauseam. At this writing the {$160.00} transaction remains in limbo as pending, and wont post. 
Once again, I need to get this payment either POSTED or CANCELED. The payment is due now, not latter to USPS. The 2nd representative seemed to be clueless as to getting this accomplished. She put me on hold about six ( 6 ) times to speak to her team members and then came back to the phone to regurgitate what her team members told her to say.she is TOTALLY CLUELESS, no help what so ever. 
Today, I emailed the person ( XXXX XXXX XXXX ) who is listed on my account ( s ) as personal banker and explained all of this ad nauseam, but have not heard back. My understanding from a prior XXXX email is that although he is listed as personal banker on my account ( s ), in reality XXXX is not a personal banker on my account ( s ). Get the email from XXXX and fill in the blanks on that one!!! 
I called the USPS XXXX listed on the Wells Fargo alert email, and USPS was not able to help. USPS indicated that this is a Wells Fargo VISA error, and Wells Fargo VISA needs to fix it ASAP!!!! 
So, back to where I started, I need to get this payment either POSTED or CANCELED ASAP! Address questions 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