BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2022 I sent Chrysler Capital a Debt Validation letter ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ) and demanded to cease and desist all collection activity until the debt was validated. The notice gave them 30 days to validate the debt. 

Chrysler Capital failed to respond and validate the debt. 

I sent a 2nd letter on XX/XX/2022 to notice them of the fault with the opportunity to cure ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ). 

Again, Chrysler Capital failed to respond and validate the debt. 

I sent a 3rd letter on XX/XX/2022 to notice them of the fault with opportunity to cure ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ). I demanded they stop calling my phone and only communicate with me in writing. I stated their constant daily phone calls are now considered harassment. 

Chrysler Capital finally responds on XX/XX/2022 ( 5 months after my initial debt validation letter ) with an attempt to validate the debt. They stated in their letter the following : we have placed all available phone numbers on the account as a Do Not Call, per your request, we will no longer contact you via phone. ( Copy of this letter attached herein as Exhibit B ) The focus of this complaint is : as of today, XX/XX/2022, Chrysler Capital has repeatedly violated me with phone call harassment virtually every day since XX/XX/2022. ( Screenshots of calls from Chrysler Capital attached herein. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX, XXXX, XXXX XXXX XXXX and inquiries that are closed, paid, cancelled or old still remaining in my report. Incorrect middle initial C in my name. My name does not carry a middle initial.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I mailed a letter by certified mail to the credit bureau TransUnion Consumer Solutions. This letter asked them to remove outdated and incorrect personal information from my credit report that included old addresses, incorrect name variations, incorrect phone numbers, and incorrect employment history. This was requested due to the rise in identity theft which I have been a victim of over the last few years at various points. 

On XX/XX/2022 I received a generic response that ignored all of my requests. I was only issued a general statement letter and a copy of my credit report - both of which I did not request. None of my personal information was updated as requested. I have attached the following as proof : 1. The original request letter sent to TransUnion Consumer Solutions 2. A copy of the received TransUnion response 3. A copy of the certified mail receipt

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 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have been filing compaints against Capital One since XX/XX/2019 with CFPB and they have assisted Capital One in violating the Credit Card BIlling Act. I called CFPB states it was referred to OCC. Call OCC they states been referred back to CFPB. Capital One has promised me multiple call back and refunding the {$1000.00} and 7 months later still nothing.I am now submitting a complaint for conflict of interest with CFPB. every agency has assisted this card company in violating my consumer rights and i now want CFPB to refer this to whatever agency regulates CFPB. Capital One billed back this {$1000.00} multiple times after crediting and exceeded the FEDERAL LAWS that allow bill within 2 cycles!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it concerns : In accordance with the Fair Credit Reporting act XXXX Account # XXXX dated XX/XX/XXXX Account # XXXX dated XX/XX/XXXX Amount {$31000.00} Account # XXXX dated XX/XX/XXXX Amount {$4000.00} Account # XXXX dated XX/XX/XXXX Amount {$220.00} Account # XXXX dated XX/XX/XXXX Amount {$150.00} Inquiry from : XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX have violated my right. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. Also 15 U.S.C 1681 section 604 A. section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
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:
As of today, I have sent over six disputes to all three bureaus. I have not been verified of the initial results. I continue to receive template letters. Section 609 a ( 1 ) A of the FCRA states that. Bureaus are required by federal law to verify. through the physical verification of the original consumer contract. I requested that unverified accounts be removed immediately and there has been no results provided.

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 2022-07-19
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
I made an order {$230.00} on XXXX back on XXXX and I never got my item. I filed a dispute with Barclaycard and Barclaycard sided with me and then a couple months later overturned it and forced me to pay it. They closed my account. I can no longer access my account. I still never got my item.

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 2017-09-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Wells Fargo Home XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH. XXXX Subject : Notify us of property vacancy ( response ) Loan XXXX Homeowner : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Policy : XXXX Whomever it may concern : Our communication with you regarding this property has been extensive. We have made multiple attempts to work out some form of equitable solution for the return of this property including but not limited to Deed in-Lieu of Foreclosure and Short Sale. These communications with you are all clearly recorded in the conversations that you save when we call in. 

We offered to keep the property maintained to ensure the best price the market would allow, but you refused our efforts. We began contacting you about options in XXXX of XXXX 

In addition, the day we received your notices regarding insurance, XXXX XXXX letters dated XXXX & XXXX XXXX the property had all the locks changed and a lock box installed on the rear door of the residence. We received no notice that this was going to be done, which is against the law. We have been regularly harassed by Wells Fargo during the course of our occupancy of this residence by multiple tactics employed by your firm. In fact, we had our elected State Representatives office get involved with you informally and filed complaints that have been substantiated and recorded by the CFPB. Our experiences with WF included various unethical financial withholdings, improperly calculated tax documentation and subsequent amendments to taxes ( again this year, so we have to do ANOTHER amended return ), misapplied payments, improperly applied interest corrections and inaccurate reporting to multiple credit reporting agencies ( which continues today ). 

We did not abandon this property, but did vacate the premises with the intent of cooperating with the necessary steps to return it to you. The policy for the home was terminated at XXXX XXXX on XXXX. Our insurance carrier notified you of this. We have not received any funds related to policy payments from them. 

I assume that the correspondence to us via regular postal service is a legal requirement, since you routinely contact my wife and speak to her about this situation. 

The home is now inaccessible to us because all the locks have been changed. 

Regards, 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 2020-10-07
Company: LD Holdings Group, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/2020 we applied to Laon Depot for a refinance..they had not sent us a copy of the appraisal that we kept telling them there  seemed to be a problem.. finally on XX/XX/2020 we received a copy of the appraisal.. and that was when we found the problem.. the appraisal was NOT for our property.. they used our address, but the pictures & written description of our property are not one & the  same..and as of todays date XX/XX/2020 we still have never received a copy of a corrected appraisal. ( Loan Depot had done one on  XXXX which was the correct address, written description, & pictures ), so we do not understand why they are not seeing that the  appraisals are TOTALLY DIFFERENT PROPERTIES, per county tax records.. We have complete documentation including emails etc.. back & forth from us to Loan Depot, and as of today 's date (  XX/XX/2020 ) .. this has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On the XXXX XXXX XXXX 2017 I created and verified an account with Coinbase. They verified my information and nationality without any problem. 
On the XX/XX/XXXXi received my purchased Bitcoin,  Ethereum and Litecoin in my account ( XXXX XXXX, XXXX ETH and XXXX LTC ). 

After a vacation in XXXX i found out my account was blocked i received a automated notification that i needed to prove my nationality and place of residence ( which is the XXXX ). There was no trading or accessing funds performed while on XXXX grounds. 

On XXXX XXXX 2017 i send all the requested information via secure link and got an confirmation email ( automated ). 
" Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' This notification seems to be send to all people with the same issue, afterwards no further communication or follow-up is provided. 
I have repeatedly send emails to customer support asking for follow-up or information on the status of my account, without any reply. 

It seems strange to me that a company is allowed to take your money and freeze it without any notification. Furthermore, there is no possible way to get in touch or receive any feedback on the status of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00}.

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 non-monetary relief
Consumer complaint received 2022-09-01
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing because my beloved home is being foreclosed. 
For 20 years I was a loyal customer of XXXX XXXX XXXXXXXX. I had not only a mortgage account with XXXX XXXX XXXXXXXX but my personal and business accounts as well as multiple lines of credit. During this time I had never been late on a payment and my credit rating was good. 
The mortgage was on my personal home As happens in life, issues and illnesses occurred. After being diagnosed with XXXX, before the onset the pandemic, I advised XXXX XXXX XXXXXXXX that I was facing some financial struggles. At this point I had still been making my payments. I did so until XX/XX/20. As a XXXX single woman undergoing regular XXXXXXXX XXXX I began to fall behind. I communicated with XXXX XXXX XXXXXXXX and we discussed a loan modification. I was told that someone would reach out to me. 
Over the course of several months I called multiple times, each time I spoke with someone different and was never able to get any information regarding the status of my application. I was even given a Dedicated Customer Relationship Manager ( CRM ), her name was XXXX XXXX ( Letter attached ). I was never able to reach this person. 
XXXX went on and I was unable to make my payments. 
XXXX XXXX XXXXXXXX sent me letter after letter stating that I was being considered for a loan modification but I was never able to get through to anybody. 
I was then informed that the company Shellpoint now owned my loan and they informed me that XXXX XXXX XXXXXXXX had provided no paperwork or information regarding my XXXX XXXX. 
I am presently in foreclosure and I need some guidance to stop this process immediately. 
I am attaching documentation from XXXX XXXX XXXXXXXX and Shellpoint. Please let me know what other information you would need from me. 
I would like to file a complaint against XXXX XXXX XXXXXXXX and Shellpoint at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Walmart has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to 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 2017-09-10
Company: EQUIFAX, 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:
Equifax offers a tool, in response to the breach that recently happened, that tells you based on your last name and 6 last digits of your SSN if you were affected or not ; I was told I was indeed affected by the breach. As such, Equifax has divulged my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Everbank, is purchasing hazard insurance and charging me for it, saying that they do not have evidence that I have my own hazard insurance. This property is a XXXX, and the XXXX has a master insurance policy, and I also have an additional hazard policy with XXXX. Everbank is aware of the XXXX policy, but beginning in 2015 they began charging me for a XXXX Master policy, saying they would refund the charge when I provided evidence that my XXXX has its own policy. I have submitted evidence of this insurance to them SEVERAL TIMES, but they continue to claim that I have not, saying its not the proper insurance coverage. Additionally, each time I speak with them about this they change the type of insurance that they claim is missing. First it was liability, then it was hazard, then fire, and most recently it is wind coverage. Despite several phone calls to Everbank over the past year, not only have the charges not been removed as promised, they are charging me again this year. I have never missed a payment, never been without insurance coverage, and I have complied with their requests to the best of my ability every time they have asked for information or proof of coverage. It should also be noted that Everbank was not a mortgage company that I chose to do business with. My original mortgage was sold to them without my knowledge or consent, and now they are charging me for things that I am already paying for, even though I have submitted proof to them several times. I have spent many hours trying to get this resolved to no avail, and every time I call them I have to start over with a new agent that tells me the same thing and does nothing to help resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: LA
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:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Equifax is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, I noticed that XXXX  was reporting a credit inquiry on XX/XX/2021 from First Citizens Bank, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I did not recall ever making a credit application with this financial institution. I contacted this bank and was advised that there were no open accounts under my name and social security number. And was advised to dispute the inquiry with XXXX. I did so and XXXX  completed their investigation on XX/XX/2021. They advised me that a credit inquiry was made by First Citizens Bank on the date mentioned. However, neither First Citizens Bank nor XXXX  could provide specific information on how this inquiry was accessed nor on who made it. Their solution ( which is not acceptable to me ), was to simply place a disclaimer on my credit report indicating that I did not a credit application. This is not acceptable to me, because this inquiry will remain on my credit report for two years and no information has been provided to me as to whom made this inquiry and how it was entered into the First Citizens Bank system. One would suppose that whomever made this inquiry into my credit report would have had to access the system using some form of protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Credit Technologies, Inc.
State: MD
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:
ON XX/XX/2019 I CHECKED MY CREDIT REPORT & FOUND AN INQUIRY ON XXXX THAT I WAS NOT AWARE OF. THE INQUIRY WAS FROM CREDIT TECHNOLOGIES SO I CALLED THEM TO FIND OUT WHY THEY WERE PUT ON MY CREDIT REPORT. THEY INTURN TOLD ME THAT THE INITIAL REPORT CAME FROM XXXX XXXX. I WAS TOLD BY CREDIT TECHNOLOGIES THAT SOMEONE ( XXXX ) FROM XXXX XXXX PULLED MY CREDIT REPORT FOR A MORTGAGE INQUIRY ( WHICH I NEVER CALLED ANYONE FOR A LOAN OF ANY KIND ). SUPPOSEDLY, THAT HAPPENED IN XXXX OF 2019. I CALLED XXXX XXXX TO GET TO THE BOTTOM OF THIS INQUIRY & THEY COULD NOT HELP ; THEY HAD NO RECORD OF ANYTHING WITH MY NAME ( WHICH OF COURSE, THEY SHOULDN'T ). I CALLED XXXX XXXX AGAIN TO HAVE THEM REMOVE THE INQUIRY THAT WAS SENT TO XXXX & THEY SAID THEY COULD NOT DO THAT. ALSO, XXXX WON'T REMOVE IT EITHER. I WANT THIS INQUIRY REMOVED ; I DID NOT INQUIRE ABOUT ANY KIND OF LOAN FROM ANYONE!!! 
PLEASE HELP GET THIS REMOVED FROM XXXX. THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation