BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: DC
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 SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE

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 2017-05-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm on worker 's comp with my job and ask for a loan modification due to my financial hardship and the Navy Federal Credit Union kept on requesting information andI kept on supplying everything they requested. Then they denied me a loan modification because they said they did not get it in time. I 'm only 6 months behind and a want to keep and stay in my home. I 've never been late on my mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. The fraudster made a purchase on XXXX XXXX, 2016 for {$4800.00} at XXXX XXXX in XXXX, Michigan using my Citibank credit card account. The purchase was quickly identified as fraudulent and I have made a police report to the XXXX, Michigan police as requested by Citibank. Despite this, the purchase amount is STILL included on my Citibank account plus {$420.00} in fraudulent interest charges. I have called Citibank numerous times to get the charge removed, and they say they will remove it, but that still has not happened. XXXX additional things to consider : 1 ) I live in XXXX, Washington and have never even been to XXXX, Michigan, and 2 ) the fraudster made a similar purchase on the same date with the same store using my XXXX card account. That incident was also identified as fraud and reported to the police, and the charge was removed from my credit card bill in XX/XX/XXXX. I fail to understand why Citibank can not get their act together and remove the fraudulent charge from my bill! I am complaining to you because my patient, persistent efforts to resolve this matter have gotten me nowhere.

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 2022-02-27
Company: General Motors Financial Company, 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: Public record information inaccurate

Complaint:
I apply to go for a Bankruptcy in 2019 on XXXX but after I apply I change my mind and I decide to work with my bank to pay .On XXXX/XXXX/2019 they report on my Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear Sir or Madam, This letter is in reference to my student loan with Sallie Mae. The account number is # XXXX In 2018 a late payment was placed on my account. Due to unexpected unemployment and hardship I wasnt able to make the payment. I applied to put the account on a forbearance program which I was approved for. To start the program a payment had to be made the problem is that the payment was attempted to come out the wrong bank. The payment was never made so the account wasnt placed on the hardship plan and the late payment was placed. While I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was, unfortunately, unable to do so due to the misunderstanding. The account has been open for 7 years and 6 months now, that late payment is the one and only one I have ever gotten. I would very much appreciate it if you would remove that 1 payment delinquency from my credit report, as I've been building my credit over the past 6 years. 

I am writing today because my mother who is my cosigner is trying to buy a home and is having difficulties with lenders seeing a derogatory mark due to having missed payments on this account. I am also facing difficulties even though my score is now 700+ Im being denied with the reason being delinquency from this late payment. Given the date, the misunderstanding for which caused this, and overall positive payment history, I am kindly requesting your agency to consider removing the derogatory missed payment as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my mother and me. 

Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: GOLDMAN SACHS BANK USA
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: Account information incorrect

Complaint:
Goldman Sachs / Apple credit card, have consistently failed to update my credit file with the 3 major credit bureaus, XXXX. XXXX, XXXX and XXXX. The failure to accurately report the status of my credit on a regular monthly basis is in violation of the Fair Credit Reporting Act and thus a violation of my legal rights. This failure is adversely impacting my credit score and thus my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. Until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.This account is being reported by Equifax as " OPEN '' while all other Credit Reporting Bureaus it is reported as " CLOSED '' Equifax is to explain why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 following XXXX  Accounts have violated my rights and are furnishing hard inquiries on my account : Account : XXXX  | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/XXXX Account : XXXX | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/XXXX 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 states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-07-08
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( was not allowing me to add my social in the last page my last XXXX of my social is XXXX ) On XX/XX/2022 I sent a collection company ( Penn credit corporation ) a dipute letter request evidence of contract since I never had a debt with this company the letter was sent certified mail with tracking number XXXX ) the company failed to send the requested information and is still being reported in my credit and is causing me to fail to complete the purchase of my house. I contacted the company multiple times and they assure me since they didn't have enough proof of the debt being mines is deleted from there collection agency they provided me with a ref number XXXX. I asked for a letter of deletion and they are giving me the running around. I disputed the debt with all the Bureus and XXXX wrote that the debt was verified as accurate?? How is that correct when the company didn't provide the requested information in a reasonable time and also asure me the debt is deleted? Please help me with this matter because this can harm me very seriously and it's a fraud what they are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file 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 2022-02-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a loan modification in XX/XX/XXXX due to an operation my wife had to undergo which has prevented her from continuing her XXXX. I was asking to skip one month 's payment, and was told that there may be a slight reduction in our total payments due to the modification. I have submitted the same paperwork numerous times, answered the same questions over the telephone numerous times ( several times the same question was asked, then asked two weeks later by another individual in a different way ). We have been late, 30 days, since about XX/XX/XXXX and have been occurring the late payments as well as having the late payments being reported to the credit bureaus. We have over a dozen requests for information by letter, some saying they have all the information they need, with another letter coming the following week asking for information or documentation we have already provided. Had I known that there would be this much red tape and time taken ( I honestly believe they are purposely stinging us along, perhaps to force us into foreclosure ) I would have looked into a new loan with another bank. At this point, I have been late, which precludes me from any HARP loan options and pretty much reduces any other options I may have had. 
What I would like is that SPS give us an answer ( I never get to speak with the same person and they shield the " decision-makers '' from their clients ), one way or another and to reverse any late payments and clear our credit with the credit bureaus. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all three credit agencies ( XXXX, Transunion and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except XXXX and Transunion. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from one company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that XXXX, Transunion and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from XXXX and Transunion stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XXXX/XXXX/2014 and XXXX/XXXX/2014 which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his XXXX XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only one listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, XXXX XXXX F XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, 2014XXXX XXXX XXXX, 2014 XXXX XXXX XXXX, 2014XXXX XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX XXXX, 2014

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus held 3 months ( XXXX - XXXX of XXXX ) mortgage payments in a suspended account while they processed the " Keep Your Home CA '' funds for the purpose of completing the recast aggreement. This took them 6 months to complete. During this time I received Foreclosure Warnings on a weekly basis and my credit score dropped over XXXX points. They reassured me that when the recast agreement was completed that this would be corrected and the funds held in the suspended account would be applied. The recast agreement had the wrong escrow balance but they threatened me that if I did not sign it as is that they would return the funds. Now my credit report continues to display that I am 30-90 days late on my XXXX and XXXX payments and displays ND for the months XXXX through XXXX XXXX I made my XXXX payment but they applied this to my Principle saying I am not due until XXXX to make the next payment. They have not sent me a statement showing that they applied this payment to my pronciple although I have requested XXXX. I put in a dispute with XXXX and Seterus responded the first time stating that I had foreclosed on the loan. The second response to the next dispute was that I was late on XXXX and XXXX payments and No Data on the following months through XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The first problem was with interest rate it was very high 20.36 %, even though my credit score was good. I called the Santander Bank to lower my interest rate they denied my request they have said that I can do that after 6 months to refinance. However I still want to know why the interest rate is high compared with other banks. 
The second problem was with the dealer that I bought the car from. The price online was {$19000.00}. However they added extra charges under the term certified pre-owned that was a fraud. They added {$2000.00} without mentioning this amount in the agreement and another {$2800.00} for XXXX XXXX contract as obligation not as option because they have told me verbally and convinced me it has bumper to bumper coverage and that was the cause for that addition. The price has jumped to {$24000.00}. Note they did not give me the documents by hand instead they gave it to me through flash disk and I believe the purpose for that was to delay my review because I have only two days to return the car. When I finished the purchase and reviewed the documents and checked with the FPO they informed me that there was only powertrain coverage. I tried to cancel the purchase after three days but the dealer and the bank denied my request. I told the bank about the entire story to take care of this fraud charges ( recording ID XXXX ) with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Home Point Financial Corporation
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Homepoint Financial has been refusing to remove our PMI when we are more then 80 %. I began requesting removal since XX/XX/2021, Ive submitted the documents, we had the XXXX come by XXXX XXXX. Homepoint received the information and weve called and have not had it removed, Ive called and documented what we have been experiencing and Ive told them what is napping is unethical, since they are holding on to our PMI and not removing it. It should have been removed in XXXX and now we received a letter stating our loan will be transferred to XXXX XXXX! This is a high risk loan service with for those whos credit is questionable. Weve never been XXXX, have always paid, never missed a payment, we have high credit scores, And! We noticed our interest rate is different! We signed FHA not a variable. We have been treated unfairly and cheated by XXXX Financial. This falls under the XXXX XXXX. Please, advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been getting repeated calls from the same number. Finally when I answer a man asks me to verify personal information and does n't disclose who he is, who he represents, or what he is calling about. Finally he says its about a debt ( I have no outstanding collections on my credit report ) but wo n't disclose the nature of it until I verify several pieces of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I HAVE NOT ATTEMPTED TO APPLY FOR ANY TYPE OF CREDIT FROM XX/XX/XXXX TO XX/XX/XXXX. I HAVE MULTIPLE HARD INQUIRIES WITHIN THIS TIME FRAME WITH TRANSUNION XXXX OF XXXX. I CONTACTED TRANSUNION MULTIPLE TIMES REQUESTED TO HAVE THE HARD INQUIRIES REMOVED BUT I WAS INFORMED THAT BY TRANSUNION THAT THEY HAVE TO BE REMOVED BY THE COMPANY THAT MADE THE HARD INQUIRY. I HAVE SPOKEN TO MULTIPLE PEOPLE AT THE TRANSUNION AND THEY WILL NOT RESOLVE THIS ISSUE. 
I CALLED XXXX XXXX  WHICH IS ONE OF THE CREDIT COMPANIES THAT MADE A HARD INQUIRY AND THEY DENIED ATTEMPTING TO REMOVE THE HARD INQUIRY.

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