BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had problems during closing that have still not been corrected as the settlement docs were missing the escrow amount and I have called the original Mortgage person several times XXXX XXXX when I finally got thru to him he sent me to XXXX XXXX who promised to fix this. 1st email from him below XXXX XXXX, I just left you a voicemail regarding your escrow account. I apologize for the mistake and am working with our servicing department to have an escrow account set up for you. Ive attached a copy of the payment letter and escrow disclosure. Due to our error we will be covering the XXXX starting balance for your escrow account. If possible, could you please sign the attached documents and return to me? Please let me know if you have any further questions or concerns. 

Thanks, XXXX XXXX XXXX. XXXX  XXXX 2nd email Would you be able to sign and date these 2 as well? Then thanked me for signing documents I have attached my attempts to follow up with XXXX he finally asked me to call my self not really knowing what or who I was calling I made several attempts get passed to this number then that number I eventually gave up. Several months later I go to make my payment and it is now XXXX a month. I again start trying to call to address with no success. I am fine paying to get my escrow caught up its been about 3 mos now that I have been paying that amount and I am getting concerned that it is going to stay at that amount which is XXXX more than it was when I refinanced for a lower amount in which case I am paying all those fees and whatever else you charge for refinancing for nothing. With the current economy and inflation, gas prices all this planning I did to protect myself should these events occurred ended up costing me more money I am going to start filing any and every complaint against this company until this gets rectified and going thru my documents to do this I saw your email and was hoping 1 last try with the company would work out. I not sure of your position with the company but I feel like the only time I get any where with talking to anyone in this company is if my payment Is late. 

1st payment letter XX/XX/2021 Principal and Interest {$690.00} Homeowner 's Insurance {$43.00} Mortgage Insurance $ Property Taxes $ COUNTY PROPERTY TAXES A {$37.00} SCHOOL TAX A {$150.00} Other : $ TOTAL PAYMENT : {$930.00} -- this is what I'm actually paying XXXX and this is what my payment was prior to refinancing 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 2022-06-23
Company: TD BANK US HOLDING COMPANY
State: MD
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:
My identity was stolen not one but two times in XXXX and again in XXXX. I've called the companies XXXX XXXX XXXX Nordstrom, XXXX  ) to report the fraudulent accounts. Within the years, Ive placed fraud alerts on my credit profiles and every time I dispute these items they still come back as verified and accurate. The credit bureaus recently told me to file an identity theft report with the FTC and they would investigate the accounts and remove them. I did that and again, the accounts came back as accurate and verified. I dont understand how they are verifying this with no proof of ownership of the accounts. I've asked them to send out original contracts with my signature on it and none of the companies were able to furnish that information.. A debt collector even attempted to sue me because of a debt that was fraudulently opened in my name. However, I after I explained to the judge my identity theft incidents and told him that I've continuously asked for the original contract with my signature on it which they were not able to furnish the case was dismissed and the debt collectors removed it from my credit report. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report. 

This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( https : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( https : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( https : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences https : XXXX I have attached my dispute letters and request immediate removal. 

I do not consent to e-Oscar or any means of automated system for verifying my disputes. 

I request the cfpb to enforce the laws violated pursuant to congress.

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 2022-06-23
Company: South Mississippi Collection Services Inc.
State: MS
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:
In accordance with the Fair Credit Reporting act Ch. 13 : Account # XXXX, has violated my rights. DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act Ch. 7 : Account # XXXX, has violated my rights. DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights . DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. DISPUTED XXXXInaccurate information 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting. 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 an account without my written instructions.

References : htt
ps : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Chime Financial Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I made a domestic transfer with XXXX cash bank to my Chime debit account in the amount of {$11000.00}. Chime declined the transaction and Reversed it back to XXXX  cash. XXXX  cash is telling me since it was sent as a merchant refund they cant locate it. Chime needs to send reversal transcript information with the tracing information and Ref number. Neither is trying to help me out and give me a hard time. Ive been missing XXXX dollars for the last 2 years Ive worked hard to save up for. Can somebody please make XXXX XXXX  or chime locate the proper information that I need to recover my transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not consent to e-Oscar or any means of automated verification!. Numerous federal laws are being violated which in turn is causing me to not be able to seek new lines of credit. According 15 U.S. Code 1605- Finance Charge Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. 
( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for Chrysler Capital, it was paid off at that moment. 
Additionally, Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I do not consent to e-Oscar or any means of automated verification!

I demand ANY AND ALL late payment ( s ) be removed from the following account immediately. 
- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-04-23
Company: EQUIFAX, INC.
State: OH
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 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, 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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not consent to e-Oscar or any means of automated verification!. Numerous federal laws are being violated which in turn is causing me to not be able to seek new lines of credit. According 15 U.S. Code 1605- Finance Charge Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for XXXX XXXX, it was paid off at that moment. 
Additionally, Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I do not consent to e-Oscar or any means of automated verification!

I demand ANY AND ALL late payment ( s ) be removed from the following account immediately. 
- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: General Motors Financial Company, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was a car loan opened with someone in my family. They paid off this account and before that they filed bankruptcy. This was in XX/XX/2015. This account was put on my account and I had no knowledge of it. I have tried to fix it with the credit bureaus, even after the seven years and they have done nothing to fix the situation. The company is GM Financial and they are not accurate. They also gave this inaccurate Information to a third party. The XXXX account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting 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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: I.C. System, 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: Account information incorrect

Complaint:
IC Systems placed 8 credit issues on my account. 5- {$210.00}, 2- {$220.00}, and 1- {$420.00} with the exact account # XXXX. I reached out to them a while back and they could not verify my information. To see what was the amount that I owe. I appears to be an amount from XXXX XXXX XXXX XXXX. I filed a complaint with XXXX to get this removed. They show XX/XX/2022 being the status date. This just appeared within 6 to maybe 8 months ago. Very upset and want to see what's my legal rights to this form of harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 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