BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
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:
I have contacted these companies for over 2 years asking can these fraudulent accounts be removed. My rights as a consumer are being violated. I have sent in several documents notifying these companies and the major credit bureaus. I have filed a police report with XXXX XXXX in Florida. I have also filed a federal commission trade report for identity theft. I have token the proper procedures to lock and freeze my accounts. The current files still remain on my credit files. These files are not mines and I have never had knowledge of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
i made a large payment and had ask to be place on the higher interest loan and they said no problem.Then i received the statement and they place the amount on both loans, I called and tried to have them fix the problem and was told they cant do that and i had no recoarse so i ended up paying more interest to sallie mae wjich was unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. 
We request time to review the information being request once received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax have two hard inquires less than a day apart on my credit report, which I reported but they failed to remove the second hard inquiry. I didnt not approve the second hard inquiry and I demand it be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: EQUIFAX, INC.
State: NM
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: Problem getting your free annual credit report

Complaint:
I was requesting the copies of my free credit report that I am to be able to access once every 12 months for free. I was able to obtain my XXXX and XXXX reports, but for some unknown reason, my Equifax credit report was not generated. This makes no sense to me since I was on XXXX and had provided the same information for all 3 reports. I was able to obtain two of them, why not three. I need the copy of my report to make sure that nothing is appearing on there that should n't be. I feel that a company may be trying to commit fraud on my credit report and you, Equifax, are hindering that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Experian Information Solutions Inc.
State: MO
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:
Please refer to disputes that were sent under complaints XXXX TransUnion XXXX Experian XXXX XXXX As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation XXXX and XXXX. Experian requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and XXXX and XXXX stated on XX/XX/XXXX that they were putting these items under investigation and Experian stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. 

Thank You

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 2020-08-21
Company: BANK OF THE WEST
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I'm not sure where to begin I have nothing in particular so let 's start from level 0

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 2017-09-07
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized 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
Consumer complaint received 2021-08-28
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2021 the lender received payoff from a new lender who I refinanced with. The amount sent by the new lender exceeded the actual payoff amount. On XX/XX/2021 I contacted the former lender about the funds overage and was told I would not receive the over payment until after XX/XX/2021 because they have a six week policy for refunding payoff overages. They stated they don't pay interest on those funds nor are they able to process the return of over payment funds any quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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:
The reason I'm complaining is because I have been through everything I know and can do to repair my credit. I have called the credit companies to see why my score isn't growing and never increasing. I now have no collections and no debts. I've added revolving debt. Added anything and everything I could to increase my credit. My question and concern is why does my score go down even when I'm doing good and why hasn't it changed even after taking off the negative items. When I called to speak with them they told me to call a credit advisor they have no control over my score. So who does? Why would I ask the store about my TV when I'm asking the maker? Just doesn't make sense and I really need an answer.

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 2017-12-25
Company: North Shore Agency, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX SOLD ACCOUNT TO TO COLLECTOR TO WHOM VIOLATED THE F.C.B.A. 
AND FDCPA AND FCRA AND T.C.P.A. AND THE DODD-FRANK ACT. 
WE ARE SUING XXXX AND COLLECTOR IN CLASS ACTION EFFORT! WE ARE NOW ADDING XXXX TO SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

charge-off with 3 different dates listed under " date of last activity '' XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX Experian XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.

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 2022-02-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was for 30 days late reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error. I was never late or ever missed a payment on this account. I haven't received a response on this issue ; I have asked 30 days late to remove it from my credit file. I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation. If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolate by the Fair Credit Reporting Act. I will open up a sue in Federal Court ; I will open up a complaint with the XXXX. I have supporting documentation to support my sue and complaint. I have a payment transaction date on XXXX XXXX. I made a double payment ; I paid for XX/XX/XXXX and XX/XX/XXXX. I was never late. 

Account XXXX : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed on XX/XX/2019, when according to 15 usc 1602 this is an open end credit plan, and an open end credit plans can't be closed by anyone except the person who originated the credit. I am the original creditor. I sent them documents as they state they have received them. In the documents they received an affidavit, invoice, and cease and desist which can all be found attached. Pursuant to 12 CFR 1102.33 " ( b ) Requirements of Rebuttal ; effect of failure to deny. A Rebuttal filed under this section shall specifically admit, deny or state that the party does not have sufficient information to admit or deny each statement in the Notice of Intention. A statement of lack of information shall have the effect of a denial. Any statement not denied shall be deemed to be admitted. When a party intends to deny only a part or a qualification of a statement, the party shall admit so much of it as is true and shall deny only the remainder. '' In the attached response letter they stated " We are reporting your account accurately. '' This is false due to 15 usc 1666b which states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ... ... '' They have marked my payments as late more than once, which proof can be found on the attached documents. They stated on the document " Were unwilling to reopen your account. '' They don't have the right or power to tell me they aren't reopening my account because they didn't have the right or power to close it according to what was stated above. Which means by them stating and reporting it to my credit file thats a violation of it. They then proceeded to state " Were unwilling to remove the account from your credit report. '' I never gave them written permission to report anything on my credit report. This is in fact a violation as well. They lastly stated, " Weve verified were reporting the account correctly to the credit reporting agencies, as required by law. '' This is also in fact no true because who did they call or interview to " verify ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
First My name is XXXX XXXX and I am a victim of fraud from Seterus a company expert i lying and defrauding people. I am not on any mortgage note and the mortgage on my property is a fraud and Seterus is a Plaintiff that organized the vandalize the fraud the looting, theft of my property totaling {$260000.00} that they will pay one way or another. The confirmed that they reply but they are lairs with no respect for law and humanity. They never respond to any question and they are an embarrassment for our society. The biggest lair of this company is a cover-up artist luck a person with no knowledge of banking a person so confused that he can never make the difference between a fraud an a real mortgage I am a banker and the knowledge of this cover-up artist is only on how to lie to people and defraud them What is next they will put contract XXXX to XXXX my family too and reply toXX/XX/XXXX that they reply and the case is closed This company defraud people and lie without any shame. I will never stop until I get back my property Is the obligation of CFPB to close down such mortgage service provider since more people will lose their property to lies provided by this horrible service provider.??? Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. 3. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XX/XX/XXXX. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion keeps exploiting my info I HAD A GYNOMASTIA CLAIM RISPERDAL XXXX & XXXX AND THIS MUST BE A PUN ... TRANS!! I GET IT ... IM TIRED OF THESE PEOPLE. THEY TOOK MILLIONS FROM ME AND I HAVE REPORTED THEM TO THE FLORIDA BAR JUST THIS MONTH. XXXX XXXX XXXX I will sumbit a claim for to. As far as credit reporting why the bother. What can You do? Just let me know what I can do about random score decreases for no reason then!

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 2022-02-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance back in XX/XX/2021. I waited a reasonable period of time to receive a Loan Estimate and conditional loan approval. However, neither were ever provided so I escalated the issue on several occasions and TD Bank never responded. 

I continued to reach out to TD Bank and as of this date they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was served to make an appearance in court regarding the loan. I contacted Mariner finance regarding the matter and they referred me to XXXX XXXX XXXX who would be handling the case. I spoke with XXXX at XXXX XXXX XXXX and I was told i would not have to make an appearance in court under the terms of the agreement that I would make my regular monthly payments directly through XXXX XXXX XXXX, Mariner finance, or my bank bank account. Today I called Mariner finance regarding a payment I made on XX/XX/20 in the amount of {$540.00} through my bank account which was the remaining balance on the account, because on my online account it is showing the payment amount only reflecting {$130.00}. I spoke with XXXX she told me that the payment had been split up to cover court cost and attorney fees without my knowledge because from my understanding I thought I was paying off the balance of the account. She also informed me that a judgement that had been made against me although I was told I did not have to make an appearance in court. There was still a court hearing without my knowledge and I was not informed of this otherwise I would have made the appearance to defend myself. Now instead of the account being paid in full there is a remaining balance of {$390.00}.

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 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
unknown account on my credit report from XXXX XXXX Account Number : XXXX Date Opened : 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 2017-09-07
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX We had a house fire. The repair were finished and I was told I would receive all my money to pay for repairs in refund. That never happened. I was told to get a letter with our signature to have the last of the funds put on the mortgage. I said ok. XX/XX/XXXX After HURRICANE HARVEY SHELLPOINT MORTGAGE HAD XXXX XXXX IN LOST LITIGATION TO CALL ME AND STARTED CALLING ME A LIAR AND I NEVER SENT ANY PAPER INTO THE INSURANCE COMPANY THAT PAID FIR THE REPAIR XXXX   XXXX IN INSURANCE. XXXX XXXX told me none of this never happen and that Shellpoint mortgage will kick us out for being XXXX people. XXXX XXXX XXXX told me she can not talk to the insurance department. I told XXXX XXXX XXXX I talk to the insurance department and email the insurance department today XX/XX/XXXX and XXXX XXXX, I spoke to loss litigation on XXXX XXXX. I so gave XXXX XXXX XXXX my medical disclosure ( I XXXX XXXX have a XXXX XXXX I can not keep getting upset because XXXX XXXX XXXX hate customers, XXXX XXXX XXXX hates the XXXX, XXXX XXXX want XXXX XXXX to have a XXXX or XXXX. I do not understand what is going on with Shellpoint mortgage and who they hire to do out bound call but this XXXX XXXX is harassing me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: IL
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:
I demand this CRA to send me a copy of my credit file pursuant to 15 USC 1681a ( a ) ( g ).

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I demand this CRA to send me a copy of my credit file pursuant to 15 USC 1681a ( a ) ( g ).

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