BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE 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:
Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that XXXX XXXX delete this account immediately and not ever repost it on my consumer report. 

XXXX XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.

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 2015-11-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2012 we applied for a loan modification to Sovereign on a fixed interest mortgage on our {$750000.00} loan in 2012 due to extraordinary hardship due to downturn in our business as architects and engineers. The interest is 6.25 %. We were denied a loan modification due to some minor issue in the application and were asked to reapply. We ended up reapplying and getting denied about 4 times. The last time we were rejected on a very trivial issue. We complained to supervisors but to no avail. Then almost immediately the mortgage processing was taken over by Santander Bank ( when we called them to apply for loan modification it was the exact same staff as Sovereign Bank ). We were so upset we gave up till now. We have been struggling due to the economic downturn we ended up being a few days late on some mortgage on XXXX occasions. This has prevented us from getting refinanced, also because our income has reduced due to the downturn, we are not able to qualify for current loan refinances. 
We feel that all the interest we have been paying is unfairly charged. We should have been given a loan modification but were denied unfairly. We would like a loan reduction and refinance to a low interest rate. We currently owe {$630000.00} and {$48000.00} second fixed at 7.95 % interest to XXXX XXXX XXXX which was financed at the same time by our original loan broker as an interest only loan which comes due 2018. We still owe the {$50000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Public record information inaccurate

Complaint:
I asked Experian to remove the bankruptcy on this account and all the other account associated with it. This is a violation of Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). I am requesting the information be removed. XXXX a sup from Experian states by law they are allowed to gather information without my consent. I am demanding this to be removed.

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 2015-07-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Nissan is reporting past due. The account is current, payment of {$2000.00} has been done to Nissan on XXXX XXXX 2015, Monthly payment of {$450.00} was done XXXX XXXX, 2015. payments are current. Past due note in my credit report is affecting my score. Next payment will be XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied to refinance our existing mortgage loan with New Rez on XX/XX/2020. ( NewRez is the current mortgage holder. ). We were sent an email on XX/XX/2020 stating the loan had been approved, and additional documents would be needed to finalize the loan. Prior to approval the appraisal had been completed, financial documents supplied etc. Our originator estimated we would close in XXXX and our savings would be about {$300.00} a month with first payment being XX/XX/XXXX. The problems began during the processing portion. When asked to provide anything additionally we did so within 24hrs. The mortgage company would go weeks without responding to my requests for updates and then ask for duplicate information or no information at all. I had to constantly call or email and copy multiple managers to get any response from the company regarding the status of my refinance. I finally grew frustrated with the lack of response and totally disorganized service from the mortgage company. The loan processor seemed to be starting over with no knowledge of our loan situation and requesting duplicate information. On XX/XX/2020, I emailed the loan processor ( XXXX XXXX ), copied the loan originator, and copied a manager ( XXXX XXXX ). I told them I wanted to respectfully ask for my original appraisal to be returned so I could go to another lender to refinance. I immediately received a phone call from a different manager who asked me to give them 2 weeks to close the loan. I happily said yes, please close! I also asked for a different processor who was more organized. The company complied and all seemed well. I provided additional documentation. Again however the processor communication has gone XXXX. Her voice mail is full and she has not responded to my emails since XX/XX/XXXX. In her last response to me on XX/XX/XXXX she confirmed I had provided all necessary documents and they were waiting on condo document approval. 
This long unorganized process has cost us time and money. The inability to reach anyone is very frustrating. I am concerned because we have provided confidential financial information regarding our personal finances and my husband 's business. Social security numbers, bank account statements and so much private information has been entrusted to this company and multiple individuals within. I am very concerned about the integrity of the company and the risk of information in the hands of so many people, not to mention our monetary loss with the delay. This company seems so disorganized and incompetent. I have had a career as a lender with a bank in the past, I have financed multiple properties over 30+ years and this is the most unprofessional and disturbing financial encounter I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX just finished paying off old credit card debts through XXXX XXXX XXXX. XXXX XXXX XXXX maintains that they purchased one of these debts from Citibank N.A., back in XXXX. I state for the record that I know XXXX XXXX XXXX has told me directly that all references to the posted collection will be removed within XXXX-days from the last payment of XX/XX/XXXX. I respectfully request that this collection be removed on all bureaus, i.e. XXXX, XXXX and XXXX XXXX respectively. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: SC
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: SC
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On  XXXX / XXXX / 17  is did a balance transfer from a  Visa  Credit Card to this Capital  One  Master Card under a promo rate. {$3000.00} plus the {$65.00} charge On  XXXX / XXXX /   17  Capital  One  took my normal minimum payment {$25.00} On  XXXX / XXXX / 17  Capital  One  then took the Total Statement Balance {$3000.00} ( I did not authorize this or make any changes for this to occur ) On  XXXX / XXXX /   17  Capital realized the error and refunded the money back into my Checking and put the debt back on the credit card at the original Promo Rate for the error on their part.   During the call the Customer Se rvice Rep said  that he needed to reset up t he Auto Draft  and he would have the Payment come out with the same  XXXX  date.   On  XXXX / XXXX /   17  I get a letter that I am 2 months past due and right away make the {$76.00} payment to bring account current On  XXXX / XXXX / 17  I submit a complaint to adjust the 30 day late on my credit report On  XXXX / XXXX /   17  I get a letting saying the 30 day late is correct and the wont adjust it off On  XXXX / XXXX /   17  I ca  ll capital one again and they agree it should be removed but all they can do is submit another claim.
Capital One took the normal Minimum payme  nt on  XXXX  and if the system did not make a change and took the same payment on  XXXX  this would n't be an issue.     This is affecting my refi on my mortgage and I this is not my fault. I have perfect credit always on auto draft and the rep on the  XXXX / XXXX / 17  the rep should had advised that I needed to somehow make the  XXXX  payment again and the auto draft he set up would not work until  XXXX . I was mislead to just get the call over with and now I have this haunting 30 day late.     Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


Equifax Employer : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Name XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: NJ
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 have the wrong amount reported on one of my accounts and one account that is not mine and one account that I was never late on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ 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 2015-07-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2007, I signed an adjustable rate note with XXXX XXXX XXXX, XXXX. As part of that Adjustable Rate Note package, XXXX XXXX had originally included a document that said my rate would become fixed after six months. 

Approximately three months after I signed the note, XXXX XXXX went out of business and XXXX became my servicer. As soon as I received notice in the mail that XXXX had taken over my loan, I went to see someone in person to inquire about the changes. 

When we discussed the change from adjustable to fixed rate, the XXXX employee said he knew nothing about that. XXXX then said they would refuse to honor my agreement with XXXX XXXX, and never honored the interest rate change we had agreed on. 

Now Ocwen is attempting to foreclose on me, and is charging interest and fees based on rates that do not reflect the original agreement and grossly overcharge me based on incorrect interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On or about XX/XX/XXXX, XXXX XXXX showed a drop in my TransUnion credit score by 78 points, without explanation and indicating that there had been no changes on my credit report. 

I contacted XXXX and was told that I would need to speak with TransUnion, so I called TransUnion. 

The representative from TransUnion would not give me an explanation for the drop in my score, would not confirm whether the information presented on XXXX is correct, and suggested that they would give me my score for a fee of {$9.00}, or I could go to a bank and speak with a financial advisor who, for a fee, could pull my credit score ( resulting in a hard inquiry and the loss of another 7 points of my score ). 

There MUST be a way that a credit reporting agency, who develops the scoring procedure, does the scoring, and reports the scoring, can explain why their own score for me has dropped so drastically. 

Their ability to arbitrarily drop scores without an explanation is extremely harmful to consumers, and has stopped me from being able to purchase a new car.

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 2016-01-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX, I financed a XXXX Ford Fusion for 5 years with Santander Consumer USA Company. I paid a down payment of {$1500.00} and a monthly note of {$420.00} for 36 months. After paying for 36 months, ( which was 3 years later ) the Balance was ONLY {$3000.00} less than the Initial Financed Amount. I WAS IN SHOCK!!! HOW COULD THIS BE? The car was financed for {$18000.00}, THIS IS A RACKET OR SCAM. In XXXX, XXXX, I traded my Ford Fusion for a new vehicle. During this process of trading my Ford Fusion on a new car, I was told that the PAY off on XXXX XXXX was more than {$15000.00}. The car only Cost {$18000.00}. And after paying a REGULARLY monthly payment How can the PAY OFF BALANCE STILL BE ALMOST AS GREAT AT THE INITIAL FINANCING OF THE CAR BEFORE ANY PAYMENTS. My monthly payment was {$420.00} EACH monthly. And ON Several Months I paid {$440.00} or more. This is interest Gauging or Unfair and Unlawful Interest to the Consumer. I also was then told that the car was financed for 72 months instead of the 5 years. And How Can The Pay-Off be more than {$14000.00}. When I Disputed it and talked to several Managers at Santander I was Told " This is the Pay-Off on the Day in Question, IT IS MORE ON A MONTHLY PAYMENT SCHEDULE. THIS CRAZY! I HAVE NEVER BEEN 30 DAYS LATE. AND NOW THEY HAVE SENT NOTICES STATING I OWE THEM WHEN I DO N'T. AND THEY ARE REPORTING FRAUDULENT, ERRONEOUS REPORTS TO THE CREDIT BUREAUS STATING I HAVE BEEN MORE THAN 30 DAYS LATE WHEN I HAVE NOT! THEY NEED TO CORRECT THEIR RECORDS AND THE CREDIT BUREAUS REPORTING, STOP ASSASSINATING MY CREDIT AND REFUND ME ANY MONEY WITH INTEREST THEY TOOK DUE TO FRAUD AND ERRONEOUS INTEREST GAUGING TO THE CONSUMER. ALSO THEY ARE PROBABLY PRACTICING THIS FRAUDULENT BEHAVIOR WITH XXXX OF CUSTOMERS. IT NEEDS TO STOP AND DESIST!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An account in collections was paid in full XX/XX/17, the XXXX and XXXX had no problem updating the account. Transunion fails to update this account from XXXX XXXX XXXX after being disputed. They continue to validate the balance which is incorrect as well. The managers of XXXX XXXX XXXX have reached out to Transunion in multiple ways and there are still no updates. We can not dispute this account any further due to our mortgage underwriting, and our previous 2 disputes were ignored. We've spoken with 11 different people from Transunion and they are still reporting inaccurate information further affecting my ability to close on my home purchase.

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