BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 Convergent the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXt # XXXX & # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXt # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 -It also states 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 2018-03-26
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan on mortgage in XXXX was supposed to be turned in as paid when mortgage was refinanced in XXXX but mortgage company failed to report that mortgage in XXXX is paid they still have a open mortgage from XXXX reporting on my property also mortgage company reported information in XXXX on property when that in which was reported is not true according to mortgage in 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 2021-05-18
Company: Seattle Service Bureau, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Recieved a letter from NSB collections stating that money is owed and if not paid they will suspend driver 's licence and have the licence plate removed form my car. I have no knowledge of any such dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX consumer n accordance with fair credit recording act XXXX Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish A 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 explanation
Consumer complaint received 2019-12-04
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I signed up for income-based repayment and have provided all the necessary information. I have been on a salary for 5 plus years and nothing has changed, yet they increase my payment every three months. Navient will not work with me and will not listen to when I  tell them just because I am a business owner, my K1 form for taxable income for a business profit IS NOT income that I actually receive I just have to pay the taxes on it. Then one loan with the co-signer ( XXXX XXXX ) filed bankruptcy and in her bankruptcy paperwork, it had navient in there as one of the loans that would be paid off through payments received from bankruptcy. Navient repeatedly incorrectly applied those payments to my other loan that she was not the cosigner on. The bankruptcy paperwork indicated that it would pay that loan off in full and it did not. I can not seem to make them understand that I have no change in income and that what the business makes DOES NOT change what I bring home monthly. I feel like going to college was the biggest mistake of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-06-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies (  XXXX ,   XXXX    and equifax ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) from my  credit reporting agencies.   i would greatly appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing is my new mortgage company that took over from my last mortgage company. ( XXXX XXXX ) The mortgage payment was fixed at being XXXX per month for the life of the loan and the amount owed was XXXX which I paid biweekly. However the payment is close to XXXX in now paying XXXX dollars every two weeks and the whole amount owed is XXXX where did the extra XXXX come from. No clear answer for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
When I bought my XXXX XXXX from XXXX XXXX in Missouri, I was conned into trading in my car, getting less then half the trade was worth. They added a service contract that I never asked for which cost XXXX $ I had problems left and right with the vehicle, and the warranty the service contract came with. Hasnt covered any of the cars issues that they claim are not covered, but when I call the warranty company they are. When I signed the paperwork I asked before signing why is there 2 amounts on the document, they assured me I was paying the XXXX. The listing price for the car was that much, I got approved and then at the last minute when I was finished signing the paper work the lender they said that approved me changed there mind. They then magically found Santander USA and charged me 25 % casual interest. Now Im paying XXXX for a car thats worth XXXX if that anymore. I didnt want the car at that point and they told me that I couldnt get out of the contract due to signing it. When they mailed me the title to the car, the bill of sale, title and legal documents were for a car that I didnt purchase. It took them months to finally get me the needed proper documentation to legally show Im owner of the property. I just need help refinancing. I dont feel it was within my constitutionally protected rights. I never agreed to be financed thru Santander. But the I was scared into believing when they said even if I broke the contract and ended it, I would still owe for the loan on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been fight with Wellsfargo with these transaction being fraud for the longest. I was told the transaction were disputed instead of being listed as fraud. now they have reversed these transactions back on my acct leaving my acct neg. 

XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$60.00} XXXX XXXX {$60.00} XXXX XXXX  {$340.00}

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 2022-09-15
Company: CADENCE BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My husband and I was in the process of buying a home. Two dates were set for closing and we did not close due to paperwork being submitted on the supposedly closing day by the loan office XXXX XXXX at Bancorpsouth. In the process she did a hard inquiry on my credit.I asked and she XXXX XXXX it was a mistake.She advised me to make a payment on my credit so she can do a quick turn around on my score.my score went from a XXXX to XXXX. We never closed on the 2nd closing date. ( XX/XX/XXXX ) I never received a call, text, nor email that day. I called, text, and reached out to her manager XXXX XXXX and informed him on what was going on. He assured me he would call me back and I havent heard from him since. She emailed and said she will call but never did. I called her only to find out we still wasnt closing and she flipped the loan and I had to pay more for closing with down payment assistance. Our last day in our recent home XXXX of XXXX Now we are currently living in a hotel. I asked her when I finally spoke to her and she still couldnt give me a date to close. I backed out. Now Im currently looking for a home for my family.this has been emotionally draining. Today, the bank charged me a XXXX appraisal fee and we dont have a home because of her mistakes. Can someone please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: FIRST COMMUNITY MORTGAGE, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about  XXXX   XXXX ,   XXXX  , I received a phone call from  XXXX   XXXX , a loan officer with my existing mortgage holder , First Community Mort gage. He wanted to chat with me about refinancing my loan and emphasized that there would be little cost to refinance. He also asked if I would be interested in folding in my 2nd mortgage as well. I told him yes, so we go the process started. He sent me the proposed terms as follows : 30 year fixed at 4.375 % with  XXXX  points Total cost financed with be only  XXXX , which with the skipped payment and savings are recouped in 4 months.   Payment with Tax and Insurance will be  XXXX  per month.   This loan will payoff both the first and the second loan and will save you  XXXX  per month.   As per our conversation, if you took that savings and added it back to the loan, you will payoff the home in 20 years on the dot.  <P/> I provided the appropriate information, signed the first disclosure of the loan terms, and paid for an appraisal, etc.  <P/> On  XX/XX/XXXX , I was notified that a  XXXX   XXXX  was taking over the processing of my loan. He sent a second disclosure in which the terms of the loan had changed and there was a higher closing cost involved. I wrote to him and said I had questions. Meantime, there were a series of calls asking for letters from my second mortgage holder, a request to have a conference call with the 2nd to get payoff, etc. For a period of time, I could not get in touch with  XXXX , he indicated he had been out of the office for a while. On  XX/XX/XXXX , I provided another form required for the loan.   On or about  XX/XX/XXXX , a third disclosure came which raised the closing cost to over {$6000.00} to be added into the loan. I wrote to  XXXX  and said I could not go through with the loan with these terms, it would not be prudent. He said he would check on it. He wrote to me on  XX/XX/XXXX  with the following information : It looks like because of the rate extension, it wiped away any lender credits associated with the loan. I can go ahead and withdraw the loan, if that is what you are still wanting?  <P/> No one ever disclosed to me that they had to do a rate extension and that it would have ramifications to the terms of the loan. In the end, I asked for my money back that I spent on the appraisal. I was solicited with a good offer, then because the process was not followed through with and there were delays, the terms changed and I am out over {$450.00}.  <P/> This was a bate and switch.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX  / {$62.00} / XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with XXXX XXXX and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as Paid/Settled Charge Off this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by XXXX XXXX that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all 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 non-monetary relief
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to remove credit freeze on Equifax multiple times in XXXX, XXXX, their website shows an error when creating an account or trying to access credit freeze. XXXX and XXXX had zero problems. I called Equifax numerous times, had to be placed in tedious automated systems, and they requested more information for verification, which I have sent through fax, but never gotten a response. My credit remains frozen and I have ran into multiple declines when applying for a new apartment or mobile phone upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: PR
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:
Back in XX/XX/XXXX I disputed online with Experian an erroneous account ( XXXX/XXXX ) on my credit report. The results were it was verified. I continued to dispute it in XX/XX/XXXX and XX/XX/XXXX asking for their method of verification, they continue to verify it without providing their method of verification or providing any documents to prove this account is 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 2021-05-18
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Loan/mortage loan was transferred XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX XX/XX/XXXX of this year. I have for 2 weeks attempted to speak with a live person on the phone however I am unable to leave a message and the system pushes you through to the auto pay menu. They were also unable to accept my payment prior to my cut off because the system wouldn't recognize me as a customer. I have all of my transfer paper from my previous Mortage along with account number however I could not make my payment. Also I am in immediate need to speak with account management due to some damage I had incurred and the home insurance is paying for repairs. Hower since I can not get in contact with a real person I don't know where to fwd. the insurance check for cosigning. so I am unable to start any repairs without this important piece of info. 

From my short prospectus of this company they appear deceptive and lack handling my XXXX Mortage Account as a Fiduciary. 

Sincerely, 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 2019-03-20
Company: Coastal Finance Company, Inc.
State: NC
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 have a few accounts that show on my report when its been over 7 years and should be off by now but they will not take off. And an account opened that is not mine or never agreed to and they will not remove. This has been over many days and dates to include

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent this company a dispute letter dated  XXXX   XXXX ,  2017. Here  I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.

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 2022-09-15
Company: EQUIFAX, 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:
This is a follow up complaint to cfpb # XXXX. Equifax is incompetent in handling my affairs. On XXXX XXXX a request for block and delete of information on my credit report was submitted to Equifax via the cfpb and by fax. Equifax has neglected my request. 

Equifax response was Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ID : Current Address THE CURRENT ADDRESS HAS BEEN ADDED/UPDATED PER THE INFORMATION PROVIDED. NON REPORTING DISPUTES Inquiry : XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX  XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 

The FTC report and personal statement referenced ACCOUNTS on my consumer report not INQUIRES! Equifax you are not doing your job. You assumed this role of housing my consumer report. It is your duty to handle all request by the consumer correctly. 

You are reporting : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You have 48 hours to block, block and make the reflections to my consumer report or you will be held liable in federal court for not properly handling my affairs. I will be seeking compensation for monetary damages!

Company response to consumer: Closed with explanation