BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-12
Company: CMRE Financial Services, Inc.
State: AZ
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 received a title loan on my car back in XX/XX/2016 for {$100.00} my car got impounded by police after someone else was driving it when I went to get it out the tow yard said I couldn't get it because there was a lien on title from title loan place and they were getting it cause I hadn't paid my loan so I didn't get my car from impound title loan place did and now they are still trying to charge me for it after they took my car to you don't get money and the car I told them they got the car they said no they didn't. B why would I just leave my car and not get it back if I could it makes no sence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 their were a hard inquiry placed on my TransUnion Report. By XXXX for credit card without my authorization. My personal information was part of XXXX XXXX and in the hand of scammers.

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 2021-01-25
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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCIESI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2015-12-17
Company: Nationwide Biweekly Administration, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been enrolled in the Nationwide Bi-Weekly Administration ( NBA ) Interest Minimizer program for over 3 years. On XXXX XXXX, 2015, we noticed that our bi-weekly draws for our mortgage payment had not been completed, as scheduled with NBA. Upon contacting NBA, I was informed that all of their accounts had been suspended, and that we should have received an email in XXXX informing us of the situation. We had not received such an email. An NBA representative informed me that I should continue to make my mortgage payments to my financial institution on the normal bi-weekly schedule. I contacted the financial institution, and they said it was impossible to make bi-weekly payments to them. We would need to make XXXX payment per month, as before. Had this not came to our attention through our own personal accounting, we would have not known to send any payments to our mortgage lender, and would have ended up in default. On XXXX XXXX, 2015, I discovered, through an internet search, that the CFPB had filed a federal lawsuit against NBA, due to their ongoing dishonest practices against their customers, like ourselves.. My wife and I are asking to be included in that lawsuit as a plaintive, and to be eligible for any and all compensation that may be due my wife and I as a result of the current court proceedings, as we too have been deceived by believing that we were " ... saving thousands of dollars '', by allowing NBA to handle our mortgage payments. When, apparently, that is not the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX XXXXriginal Creditor : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
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:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX  Original Creditor : 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 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 2017-01-06
Company: BBVA FINANCIAL CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BBVA COMPASS IS FINALLY RESEARCHING MY PROBLEM, ALTHOUGH THEY HAVE NOW TAKEN OVER 90 DAYS WITH MY COMPLAINT AND THERE ONLY RESPONSE IS THAT THEY ARE LOOKING INTO AND WILL BE IN TOUCH WITHIN 60 MORE DAYS. THAT IS 5 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my THIRD time disputing negative accounts on my credit report. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX & XXXX XXXX BANKRUPTCIES ARE REPORTING TO MY REPORT. WHICH THEY SHOULD NOT. THOSE ARE NOT MY ACCOUNTS AND BEEN AFFECTING MY CREDIT SCORE FOR A LONG TIME NOW

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 2021-12-21
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 XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my THIRD time disputing negative accounts on my credit report. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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 explanation
Consumer complaint received 2015-07-25
Company: NAVY FEDERAL CREDIT UNION
State: ME
Product: Credit card
Issue: Billing disputes

Complaint:
Refused to change address and mail statements to correct issue. Thier only resolution was for me to go inside a branch and verify my identity in person. After explaining due to a handicap that would not be possible, they insisted the only way to verify my identity was to go inside and prove it. Instead I faxed them my birth certificate, ID card, Social Security card, and billing statement. They continued to refuse to update my address, and blocked all online access permitting me to see balances. and blocked online banking so I can not make payments. They would not give me the account balance when I called in, because I was not " verified ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX & XXXX XXXX BANKRUPTCIES ARE REPORTING TO MY REPORT. WHICH THEY SHOULD NOT. THOSE ARE NOT MY ACCOUNTS AND BEEN AFFECTING MY CREDIT SCORE FOR A LONG TIME NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a purchase mortgage on XX/XX/XXXX and I had an escrow account setup to pay taxes. The title company collected for the annual tax bill due XX/XX/XXXX but that was not out yet and Mr. Cooper should of made the first payment of taxes from escrow on XX/XX/XXXX. 

The title company made the payment as planned in middle of XXXX. 
Unfortunately, Mr. Cooper doesn't seem to be able to read the closing documents and decided to try and pay it from my escrow account. This created a large negative balance. I immediately spoke to the county and they told me they will not accept two payments so the Mr. Cooper payment was rejected. So I reached back out to Mr. Cooper. They were unable to answer phone calls so I was subjected to the online chat. 

I explained to them the error and requested they remove my escrow account due to their incompetence, I was redirected to yet another email address to request this. In early XXXX I received a letter that they would no longer require an escrow account and figured the situation was resolved. And was expecting and approx {$3200.00} refund of escrows and also my payment to revert to just principal and interest. 

But no they sent me another statement for my XXXX payment showing full escrows and the same payment as before. Now today I got another notice that I was expected to have my payment adjust again to pay them back for the escrow shortage created by their failure back in XXXX. 

I again tried to call them today and can not get a live agent to pick up a call. My payment is still not right and they owe my closer to {$4000.00} once I make another payment to my escrow account that is supposedly cancelled. 

Mr. Cooper 's level of ineptitude is staggering and compounded by awful customer service. I hope you can help get this addressed as I have no where else to turn at this point to get my money and correct payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle XX/XX/XXXX so I have been making payments a while now. I started noticing misc. fees and late charges on my account statements. I called and asked about the charges and found out apparently Santander Consumer USA does n't allow customers with a simple interest loan any grace periods for any reason. I was unemployed XX/XX/XXXX so I had several late payments. I also had to defer a few payments during that time. They continued charging me late fees even though they excused the payments and allowed me to defer. I called recently to try and resolve the old late fees, but they 're refusing to remove them. It 's over {$400.00}! I 'm so fed up with their unfair practices, which makes me think they 're not following the law. I also noticed that my payments are n't being properly allocated, which leads me to think they must be pyramiding, which is a violation and considered unfair practices. How will I ever pay off this loan if most of the money continues to be put towards interest and not the principal?? I asked them, and they told me a computer calculates the percentage distributed each month not a real person. As if that were to make me trust them? The agent I spoke to said the type of loan I have calculates a daily interest rate based on how many days apart each payment is. So the closer I can make payments and the sooner ( before the due date ) the higher the amount towards the principal will be. Again, are they following federal consumer laws? I just feel this company is getting away with murder and using people like me to make money. I already pay over 18 % in annual interest which ends up being daily interest. So I will pay over XXXX in interest alone plus the amount I purchased to car for. See attachment. It shows price of vehicle plus estimated interest. I am being robbed, literally!!!!! I bought the car for XXXX, so after interest and taxes it 's closer to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions 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:
XXXX partners listed a collections item on my credit report. I disputed as I had not received notification from them. They corrected information twice on Experian that was false. XXXX and XXXX removed the item. Experian did not after XXXX dispute attempts. I have a letter on XX/XX/2021 from XXXX XXXX admitting their error. I submitted a dispute with documentation again to Experian. They are hurting my ability to move and I am suffering from their inability to correct this error. Please help me.

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 2016-10-11
Company: LDF Holdings, LLC
State: OK
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off, I had to take out a new loan for food and gas, but now I have found out they are n't even licensed in Oklahoma and are charging higher interest than allowed. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had XXXX large automatic drafts occur unexpectedly over a holiday weekend, this caused my account to not have sufficient funds available for swipes that occurred over the holiday weekend ( XXXX ) .I called the bank immediately after realizing the situation and plead my case asking for leniency and help with reversing some of the $ XXXX in overdraft fees alone. explained that I have been a customer at this bank ( regions ) for over 13 years and needed some assistance due to my financial situation. I then spent the next week making frantic transfers anytime my account was in danger of being overdrawn only to get hit with XXXX more overdraft fees when the sequencing of posting was off by who knows what. again I called the bank to try and determine what happened once again plead my case and ask for leniency to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I ca n't get a power monthly rate even though I pay over 50 % of my salary each month to navient. They are completely unwilling to speak with me about my loans or refinancing and repayment options!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from BERLINWHR-KS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against BERLINWHR-KS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 2015-07-16
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for XXXX years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I contacted CITIBANK after receiving my XXXX consumer report and seeing several fraudulent account inquiries. I explained that I have had a case of identity theft and that I have already set notifications with the Credit Bureaus, XXXX, XXXX, as well as filed claims with multiple banks and filed a police report. 

She was unable to transfer me to the Debt Solutions division of the bank. I asked her to please close the active account immediately, as it is fraudulent and I do n't want it to affect my credit. She stated she would connect me right away with the right department to close the account. I offered to provide all necessary documentation to do so, so she could close it herself. 

Instead, she asked me to please hold and I was transferred to the XXXX. She did not close the account nor agree to investigate the fraudulent account after being made aware of the identity theft. 

I would like the account ( s ) closed and situation resolved immediately. There were XXXX credit inquiries made from XXXX and NY branches and I was told there were active accounts in my name. Whether checking accounts, savings, or credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation