BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This complaint is being made for several reason ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no one to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. Experian stated that they will not investigate ALL of the accounts. I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. Congress states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my 1st and 2nd dispute letters which detail why they are inaccurate.

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 2022-05-27
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In response to Borrowers XX/XX/2016 RESPA QWR, Shellpoint stated, As provided in Shellpoints previous response, you were extended a trial period payment that required you to remit three ( 3 ) payments of {$820.00} each. The trial payment consists of principal and interest of {$460.00} and an escrow deposit of {$350.00}. The principal and interest portion of the trial payment is based on a projected modified interest-bearing principal balance of {$110000.00}, an interest rate of $ 3.750 %, and an amortization term of 480 months. Note that the total new principal balance under the modification is projected to be {$160000.00}, and {$49000.00} of that balance would be deferred. The deferred balance is non-interest bearing, and you would not make payments on the deferred balance ; however, the deferred balance will become due and payable in full once the loan matures. 

Shellpoint XXXX informed Borrower that permission for the loan modification with deferred balance would need to be obtained from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, payment was made to MidFirst Bank, regarding Account XXXX, held on the books of Midfirst Bank, by way of Registered Mail # XXXX XXXXXXXX XXXX XXXX XXXX, in an effort to satisfy the the Obligation. 

Pursuant to the uniform Commercial Code ( UCC 8-505 ), with MidFirst being a Securities intermediary, they are obligated to the Entitlement Holder for a payment or distribution made by me being the issuer of the Financial Asset. 

It is the duty of Midfirst to settle the obligations and provide notice to the Secured Party. Payment has been made via a Negotiable Instrument for the full satisfaction of the alleged debt. Please UCC 3-104. 

I need this Company investigated to get to the bottom of this matter. They have received payment and yet the account is reflecting a balance due and this account is being erroneously reported on the account credit report. This action meets the element of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXX XXXXXXXX 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 2015-09-16
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I entered a contract with an un named bank when i purchased my 2008 Hyundai Santa Fe. I purchased the automobile at a cost around XXXX The loan then was purchased by Santander without notice until my first bill was recieved. In this time i was going through a very bad divorce and became late with payments. There were also times that I had my vehicle repossessed. I would always pay to get things caught up and tried to make timely payments. Now that i am back on my feet and can make larger payments i have found that I am receiving accrued interest daily and a large amount of unpaid fees and charges. I was never and can never get a answer as to why and where all these charges are coming from. I am trying my best to pay this loan off as fast as i can but with all of these undisclosed charges it is impossible to get ahead. 
Also on my credit report they have placed that my account has been closed and when asked to take it off it still remains. This is very annoying when trying to get other loans and have to explainn why this is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
the Flagstar Bank re did the Mortgage because of Hardship of XXXX loss of income and add 15 years or more to my mortgage the years was 25 left on the mortgage the note stay the same the interest percent when down from 4.5 to a 3.1 all is great by it was not to add all theses years on i call and just got i sign the papers

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 2022-10-02
Company: NCP Holdings, L.P.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This debt is now being pursued by a law firm and they have filed a case against me in court. They refuse to settle for less than the exorbitant amount owed due to the 275.99 % interest rate charged. 

I had made several attempts to settle this debt, but did not understand I had to reply to the lawsuit to the court. I am concerned they will garnish my wages, and I refuse to pay {$7500.00} is finance fees for a {$2500.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Bank opened a credit card account without my daughter 's knowledge and her husband racked up over XXXX XXXX dollars in debt. 

She divorced and is now purchasing a house. She went to Wells Fargo and they asked to pay off this debt. On XX/XX/2022, my daughter and I paid her account off in full. We were both told that in 5 days we could ask for a letter stating that the debt was paid in full. 

The check cleared for the full amount on XXXX XX/XX/2022. On XXXX, XX/XX/2022, Wells Fargo bank refused to issue the letter because she had a balance of XXXX XXXX She paid in cash and was given another receipt her debt was paid in full again. She was immediately informed that they now needed 45 days because the cleared check was not proof of payment, cash, or that any bank could pull the money after the check has cleared. 

I need a letter from Wells Fargo showing that this debt is paid in full and XXXX balance is due. 

Because she is buying a house this refusal will cost her an additional {$2800.00} in additional closing costs and a higher interest rate will be assessed against her loan. 

This is outrageous, and need to meet with all the players personally to give them each a XXXX in business. 

Second, this account was part of the Wells Fargo ghost accounts which Wells Fargo already paid XXXX in fines. I wish to be reimbursed for the added closing costs and added interest over the lifetime of the loan. 

I also need to know why Wells Fargo keeps making up illegal policies in this country. 

I demand to be made whole in this matter. 

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 explanation
Consumer complaint received 2022-05-27
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My concern is that Harris & Harris is contacting me regarding bills I never received via the mail. They are repeatedly calling my parents house and I have contacted them via their website asking them to stop. My parents do not assist me financially. 

How can I pay a bill that I never received? I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/XXXX, I requested Experian to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Experian a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I wrote my dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to manifest my dispute. Although I carefully reviewed Experian 's website to figure out exactly what I needed to do to file a dispute, I suppose it is possible that I may have missed something. I would truly appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I need to know what made my letter " suspicious '' and why Experian would think that someone else would want to have my credit report investigated. Does n't investigating my credit only really benefit me? 
I would like Experian to let me know if I can re-write my letter and if Experian could provide me with an example of a letter that would be acceptable to them since the one I wrote is not good enough. 
I work very hard all day and can not afford to take time off to dispute my accounts. I also do not have the money to be represented by an attorney or any other agency. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a 2013 XXXX XXXX from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan, which Santander purchased from XXXX XXXX Bank immediately. I was never offered a carfax during the purchase and after purchasing XXXX on my own, found out the vehicle was XXXX of a fleet of rental cars. Under the federal " Lemon Law '', this information should of been disclosed. I have had nothing but problems with this " junk ''. I tried taking the vehicle back to the dealership only to be deceived several times. I even tried trading the vehicle only to find out that I owe way more on the vehicle than what it 's worth. I simply CAN NOT afford this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: LD Holdings Group, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with loandepot. The balance on the year ( I closed approx XXXX of XXXX. ) No issues. They instructed me to pay my property taxes for XXXX with the escrow refund from previous mortgage Co. I paid them in XXXX. In XXXX I received notice that my escrow was deficient due to loandepot paying my XXXX property taxes, raising my monthly payment by approx. XXXX a month. I called the company, they said they would apply for a refund and re-access my payment. The was on XX/XX/XXXX. They said it would take up to 60 days. I called back in 60 days and was informed they had not received anything from the tax department. I called the tax department, they said no refund was submitted. I am not sure why they would have you apply for a loan with an affordable payment knowing the escrow was not enough to make the years tax payment. Many homeowners would be stressed to have such a large increase in their payment. I feel they miss represented the company as caring for the well being of there customers. I feel so disappointed in myself for falling for it. Please help others to not being taken in and possibly being put in a positions to lose their home. Also they said the could do bi-monthly payments once we closed, which I told was told was not available. I had to make calls to have the closing costs corrected twice during the process as terms so we spoke to on the phone were not reflected on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an active credit card from Bank of America without my permission. I never opened an account with them. I called the Fraud Team at XXXX XXXX XXXX XXXX and they supposedly started a fraud claim.

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 2015-05-02
Company: Continental Finance Company, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My friend XXXX XXXX XXXX has been receiving repeated calls from continental financial they called him this morning at XXXX not saying nothing and breathing in the phone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
STATEMENT OF FACTS : 1. On XX/XX/XXXX, XXXX XXXX, hereinafter Respondent, made presentment of a PRIVATE ADMINISTRATIVE REMEDY DEMAND No. XXXX, incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION XXXX hereinafter Debt Collector, for the setoff, settlement, and closure of Account No. XXXX, hereinafter Account, sent via XXXX Registered Mail, XXXX XXXX. XXXX. 
2. Enclosed was an Offer of Performance, Tender of payment ( promissory note ) and Debt Collector Disclosure Statement, incorporated herein in its entirety as Attachment A giving twenty one ( 21 ) days for response. 
3. On XX/XX/XXXX, XXXX XXXX, made presentment of a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND CONTEST ACCEPTANCE incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION, sent via XXXX, Article No. XXXX, giving debt collector XXXXen ( 10 ) days to respond 4. Debt Collectors failure to sufficiently respond or timely honor the Presentment, by the terms of the Presentment, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE contained therein. 
5. As of XX/XX/XXXX Respondent has not received sufficient response to the Presentment, thereby placing the Debt Collector at fault, as evidenced by the CERTIFICATE OF NON-PERFORMANCE dated XX/XX/XXXX, a record of which is attached hereto as Attachment A. 
6. Debt Collectors failure to sufficiently respond or timely honor the Fault Notice, by the terms of the Fault Notice, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE incorporated with the Presentment. 
7. Debt Collectors acceptance and approval of the TENDER OF PAYMENT ( Money Order ) constitutes Debt Collectors agreement to the stipulated aggregate amount of unpaid obligations being XXXX ( {$0.00} ) and XXXX/XXXX dollars. 
8. Debt Collector has defaulted. 
9. As an operation of law, Debt Collector by dishonor of the Presentment and the Fault Notice has created a default. 

XXXX XX/XX/XXXX XXXX sent a " verification of debt '' letter to myself. It stated " please find enclosed a copy of your signed contract and/or other documents validating such debt '' Enclosed were " 0 '' documents or signed agreements. There was nothing else enclosed. Stating there were enclosed documents was false. XXXX also stated in the document that collection activity will commence. 

XXXX XX/XX/XXXX XXXX received my notice of default and consent to judgement and has still failed to respond

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 2016-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my Experian account it shows that I have XXXX unauthorized inquiries, XXXX from XXXX and XXXX from XXXX XXXX XXXX ( Experian & XXXX ). I called Experian and they told me that they can not do anything but report the inquiry. 
Regarding XXXX - I called XXXX customer service and they advised that they can not speak on behalf of XXXX. So I called XXXX their phone number is disconnected. I have a XXXX credit card because my XXXX XXXX XXXX card was automatically transferred. The transition was a nightmare, they did n't send me my card, i had no idea my new account information, and now i see that XXXX is making hard inquires to my credit. 
Regarding XXXX XXXX XXXX - they made a hard inquiry on my Experian & XXXX credit report in addition to where I leased my car which is XXXX XXXX. Not only that, they obtained my credit report after I closed the deal with XXXX XXXX where a copy of my credit report was shown to me. 
I reported both unauthorized inquires to Experian and each time they told me to call the XXXX & XXXX XXXX XXXX because they can not do anything but report. 
I would like to remove these unauthorized inquiries from all credit 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 2022-05-27
Company: EQUIFAX, 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 status incorrect

Complaint:
I sent XXXXXXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX  XXXX on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my Equifax reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit

Company response to consumer: Closed with explanation