BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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 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 2022-10-11
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I'm very concerned to find out that the company who financed my car told me they charge daily interest.I also believe that finance charges was applied at the time I purchased the vehicle. I've had the vehicle over 2 years and it's only a XXXX XXXX  less than what was owed when I got it. When I first got the vehicle after charges and fees it was XXXX, | called on Friday XX/XX/XXXX to find out that the remaining balance was {$16000.00} and so I replied Ive had this car over 2 years, the payments are {$460.00} a month but I mostly pay {$500.00} a month, how is it this much? They replied well we charge daily interest. In this case the car will never be paid off, this wasnt explained because I wouldve never agreed to this. This is robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX XXXX this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 2016-01-21
Company: OpenRoad Lending
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
This company is another example of dishonesty and fine print manipulation i filled an application to refinance my car within minutes the shared my info with XXXX different companies after i saw that i never wanted more then one hard click on my credit i looked them up on XXXX and it appears this is very usual for them to do this caused my credit to drop XXXX point please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Verisk Analytics Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/2020 I opened a Citibank " Miles Ahead '' savings account with a deposit of {$50000.00} that offered a XXXX XXXX miles incentive for making a deposit and keeping it on deposit in the account for 90 days. I fulfilled the requirements of the incentive, and today wished to withdraw my funds. Citibank makes this process very onerous, and essentially has created a set of rules where I can only withdraw my funds by paying them a {$25.00} fee, which I would argue is not adequately disclosed until you ask to withdraw your money. 

Specifically on XX/XX/2020, when I went to transfer my funds back to my checking account at a local bank, Citibank informed me that the Citibank Miles Ahead account has outgoing transfer limitations of $ XXXX per month which they indicate is for " security reasons. '' However, if you pay them a {$25.00} fee, the " security reasons '' apparently are alleviated, and I can transfer my money immediately in a lump sum. Unless I wish to withdraw my money in increments of $ XXXX a month over a 3 month period, I would be forced to pay the fee. The only alternative offered was that I could visit a branch ( the closest which is several hundred miles away in another state ) or that I could close the account altogether and receive a check by mail in 14-21 days. I was inclined to do the later, however doing so would prevent me from receiving the account opening incentive, as Citibank has an additional requirement that the account must remain open ( although allowed to have a lower balance ) until the incentive is paid, which apparently can take as long as 90 days XXXX or longer based upon what I am reading online from many unsatisfied customers ). 

I spoke to a telephone representative at Citibank, and they were unwilling or unable to waive the {$25.00} fee. I researched this issue online, and apparently I am one of many, many customers complaining about this particular issue, and the charging of {$25.00} to simply regain access to my money in an efficient manner. Leaving me no other option to access my money in a reasonable timeframe, I was forced to pay {$25.00} to transfer the money out of my account on XX/XX/2020. 

The Terms and Conditions provided when I opened this account make no mention of these restrictions or fees. I have attached a copy of the document. 

I would request assistance in being refunded the unreasonable {$25.00} fee, and would further request that the CFPB look into the unreasonable access restrictions that Citibank has placed on accounts to limit consumers access to their own money without paying excessive fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see file attached called " Letter for XXXX  and Equifax. 
for a complete description, with all required information with additional documents attached. 

This was also sent to XXXX XXXX today, through XXXX XXXX Mail. 

XXXX XXXX requires to include by mail, the personal information that C.F.P.B. instructs us not to include here, so the attached letter contains that personal information, but I decided to prepare a new version for the C.F.P.B. 
to be included here for Equifax and XXXX, which does not include the personal information. 

The document called Scan 3, is a copy of a cover letter provided by a bank officer from XXXX XXXX Branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX P.R. It was just one of the communications I sent through the same Bank branches and bank officers about this, proving I always kept contact. Other communications, not all, appear as documents called " XXXX XXXX '', the central office XXXX Officer assigned to my case. 

The Petition for Rehearing at the Supreme Court, which was denied last XX/XX/XXXX, just as much of the 7,000 to 8,000 Petitions they receive was also included, identified by a too long autogenerated number for its PDF file. 
The Document called Rehearing Denied shows what the Supreme Court of the U.S.A. 
shows publicly, but they decided not to post everything. 

A page appears at the Supreme Court website saying additional information is available at the Clerk 's Office, showing additional info. not shown, like : XXXX XXXX  's attorney motion to substitute XXXX as defendant on my Lawsuit, for XXXX XXXX, the one who granted me the loan to update the XXXX  Loan back in XX/XX/XXXX, because they said, now XXXX XXXX  owns XXXX XXXX Puerto Rico, because they purchased it : But, the fact is XXXX XXXX still exists nearly anywhere in the world, but not anymore in Puerto Rico. 

I only sued XXXX XXXX  : the same judge of the incorrect opinion, denied this motion to substitute party to XXXX bank, as shown and included, as Document 162 main.

The document called 2 letters XXXX XXXX, shows a recent XX/XX/XXXX letter, where in XXXX, XXXX XXXX  XXXX XXXX XXXX makes reference to another included letter in English, where they wrote XXXX account status is mostly responsible for the adverse credit decision, denying me a loan back in XX/XX/XXXX. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Pendrick Capital Partners Holding, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Affiliate Asset Solutions Keeps repeating to call my home and cell number despite XXXX letter to them asking them to not call me and I will only accept correspondence via XXXX Mail. when i spoke to them on XXXX and told them this " XXXX '' said " we are not going to mail you every time we need to talk to you and will keep calling ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX Per a previous CFPB complaint with Ocwen Loan Servicing, Ocwen raised an additional question that must be answered. Please provide a written response along with documentation to each of our questions. Ocwen Loan Servicing stated that our investor loan number is XXXX. Now, this investor loan number ( XXXX ) belongs to XXXX which is on a copy of our Note and Deed of Trust. This loan was created on XXXX XXXX XXXX with XXXX. Ocwen is fully aware that XXXX and all of its affiliates went chapter XXXX in the District of Delaware on XXXX XXXX XXXX, file # XXXX. This means that XXXX is not the investor any more and is a non-existent company. 
First, why did Ocwen fail to provide the current investor loan number as we requested? 
Second, what is the correct investor loan number? 
Third, what investor or company does this investor loan number belong too? 
Forth, the information that we are seeking is NOT proprietary and confidential but rather Ocwen Loan Servicing considers this information confidential. Since this information pertains to our loan, we are entitled to have this information. So, why is Ocwen Loan Serving failing to answer our entire questions in detail and provide us documentation as we requested? 
Fifth, the investor of our loan is NOT XXXX, so please do not provide XXXX loan number! If Ocwen does claim that XXXX is the owner of our loan, then we request documentation that this loan was sold from a previous investor to XXXX and not transferred or assigned which was done unlawfully by Ocwen Loan Servicing, claiming to be the assistant secretary for XXXX XXXX, per the Assignment of Deed of Trust dated XXXX XXXX XXXX. NOTE : Since XXXX XXXX is not the investor per the Deed of Trust dated XXXX XXXX XXXX ; XXXX XXXX can not legally sell, transfer or assign our Deed of Trust to another investor or company! A Deed of Trust allows the current lender to foreclose and sell the property if a person does not make their mortgage payments. Per documentation, an Assignment of Deed of Trust allows the lender to sell the loan to a different lender. A mortgage lender is the only person or company that can legally sell a mortgage and provide an Assignment of Deed of Trust anytime before it is paid off! 
Sixth, is Ocwen Loan Servicing aware of the fraud that has occurred with our Note/Deed of Trust? 
Seventh, due to the fraud that has occurred, is that the reason that no one that is affiliated with our Note/Deed of Trust will not answer our questions and provide documentation as we have requested? 
Eighth, is Ocwen Loan Servicing aware that a state or federal court order can be issued for Ocwen to comply and answer all of our questions under oath? 
Ninth, is a court order needed to have Ocwen Loan Servicing comply with our requests, answer truthfully and provide documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize

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 2022-03-23
Company: EQUIFAX, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), DBA : XXXX XXXX XXXX/ ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been the victim of friendly identity theft recently. Paypal and my bank say they are not on the hook for the money. the money way taken from   XX/XX/XXXX   to   XX/XX/XXXX .   <P/> my bank refunded me {$3000.00}  USD for the first 60 days of transactions. they also Refunded {$19000.00} USD w hich was fraudulently used on my credit card. the problem is i still have {$35000.00} missing from   XX/XX/XXXX   till   XX/XX/XXXX .   <P/> I was wondering if this money was stolen out of my business checking account is there any insurance on it?

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 2022-10-11
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi! 
My personal bank account is something problem. 
So I contacted bank agents. 
They founded someone bridge of my online banking system. 
And opened New account. 
I never order of opened new account. 
So bank shut down my online banking and closed new account. 
So Anyway I can't use of my account temporarily. 
We couldn't pay to Our second mortgage company. 
We had a behind payments. 
Mortgage company intent to foreclosure step. 
Give me time please!!! 
Thanks.

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 2015-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase modified my loan, but did not credit me the HAMP incentive for on-time payments per Fannie Mae for {$83.00} and applied to principal for the 1st 5 years and then credit {$5000.00} on my 6th anniversary. We have applied for the 5th year anniversary {$5000.00} payment, but we have not received any credits of {$83.00} toward principal. 
XXXXXXXX XXXX HAMP Modification - Borrower IncentiveIf the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by XXXX % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} ( {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 


The following conditions must be satisfied : The servicer must have provided a HAMP Registration Form and HAMP loan setup data prior to the effective date HAMP modification. 
The borrower 's monthly mortgage payment ratio must be equal to or greater than XXXX % prior to the implementation of a HAMP modification. 
XXXX HAMP Modification-Expanded Borrower Incentive '' pay for performance '' principal balance reduction payment of $ XXXXThe following conditions must be satisfied : the mortgage loan mustbe a XXXX lien conventional mortgage loan that was previously modified under HAMP XXXX be in good standing as defined in Identifying Loss of Good Standing in XXXX, XXXX HAMP Modification on the sixth anniversary of the Trial Period Plan effective date ; andnot be paid in full. 
the servicer must have received an executed Real Estate Fraud Certification ( Form XXXX ) or U.S. Treasury Department 's ( Treasury ) " Dodd Frank Certification '' from the borrower on or before the sixth anniversary of the HAMP Trial Period Plan effective date or XXXX XXXX, 2016, whichever is later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan, I fell a little behind in my mortgage due to an injury and divorce, I have been trying to get back on track with Ocwen but they refuse to accept payments and have consistently sent payoff and reinstatement letter that have already expired by the time they get them to me. Now a days with email and over night mail ever regular mail there is no excuse for this. My house is now in foreclosure, I have funds to pay the P & I that I owe in full but they say I need to talk to my account manager. He is never available and when appointment is set up to 6 weeks in advance they call and phone rings only once and no one on other end. I call back and am told I need to make another appointment.

Company response to consumer: Closed with explanation