BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Notified of foreclosue sell to be held on XX/XX/XXXX XXXX County Borrower was about to default with only {$39000.00} balance causing them to be homeless I provided the past due payments along with attorney 's fees to reinstate loan Borrower povided Selene with my name to have authority over loan and requested assumption forms on XX/XX/XXXX. 
Borrower provided Selen Finance Third Party Authorization on XX/XX/XXXX submitted online I called today XX/XX/XXXX to inquire about assumption but was told they could not speak with me. 
I called again on XX/XX/XXXX at XXXX XXXX  to speak to supervisor of phone calls XXXX and had to leave a message XXXX Audit determined Selene was deficient with communication and I concur in XXXX they are deficient since the phone service can't remedy problems Barriers are placed on Borrower by Selene Finance who establishes the company as providing creative loan resolution strategies to preserve ownership No electronic mortgage forms to apply for assumption No electronic forms to view the terms of the loan No mortgage calculator to determine extra payments and how to reduce interest My experience is that this company is not reducing home loss.Due to my intervention, the loan was reinstated and foreclousre ceased. But I need a remedy to continue payments at a lower interest rate so the principal can be paid faster. 
Selene is not transparent and to date on web site interst paid on loan is not shared. The balance is XXXX. I believe they have profitted enough on the marginalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a personal loan from TD bank, that I had set up auto payments from my bank account. For various reasons last   XX/XX/XXXX  I had asked to have the bank account # that the payment was being auto debited from  changed to another account, as I planned on closing the current account.
 On   XXXX   XXXX  , 2016 I received confirmation that the automatic payments was set up to pull out of the new account#, however even though I received the confirmation that the payments were set up to pull from the new account, the payments were still trying to debit  from the old account# thus causing me  to be delinquent. I was advised from the banker that was helping me to go in a branch and make the payment or to mail it because she couldn't guarantee that the payments would pull correctly so just to make sure I should make the payments in person. This was causing me to either make double payments, because I never knew when and what their system would actually do.
 After numerous calls, email, letters, repeatedly to attempt to fix the problem, I was assured everything was fixed, however I continued to receive a past due notices  EVERY MONTH TILL TODAY, which concerned me as I knew I had made all necessary payments. I made many calls, and expressed my concern and worry that my credit would be impacted, not to mention I was concerned there were no fees charged, but I was told, NO LATE FEES< AND NO LATED PAYMENT HISTORY....! 
After several months of the delinquent notices, again I had concern  something just wasn't right, so I called again, and this time, the person I spoke to finally admitted to me that I had in fact been charged late fees and it was showing as being delinquent.  How upset do you thing I was???
After speaking with 5-6 more TD employees, the final word was that somewhere in all the chaos they were showing one payments was not made in   XX/XX/XXXX , months late r, now, event though I know all the payments were made. I attempted to get all my old records, however, the bank I had my account with was sold, and the new bank was requiring a $ XXXX  research fee to give me my record.  
No need to tell you how angry I was, and at this point I had enough and all I was going to take from this terrible nightmare, and not to mention all the time I have spent with all this back and forth, I was done at this point. I continued to call and demanded that all my funds be refunded, and if my credit was impacted, I would be hiring an attorney and I had every intention in pursuing this, but at the end of the day I just want all my fees refunded and I would pay off the loan and be done with all of it,, however, they are now not returning $ XXXX  in fees just because they feel they can. I work in the   XXXX   XXXX  , and never , ever,  have I  seen a customer been treated they way I have from TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08
Company: Collection Consultants of California
State: CA
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:
XXXX   XXXX ,   XXXX   Account name Collection Consultants of California  Inc. ( C CC )  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX , CA  XXXX  (  XXXX  )  XXXX  Account number :  XXXX   XXXX . CCC letter correspondence  XXXX   XXXX ,   XXXX  .     Original creditor  :   XXXX   XXXX   XXXX   XXXX  We are writing to ask that CCC update our account, and that you inform all  XXXX  credit reporting agencies to delete all CCC account activities from our credit report.     CCC has inaccurately reported account activities to the credit reporting agencies and negatively impacted our credit report and score for several years.     We will use all legal means to protect our rights and accurate account reporting.     CCC has unfairly and unreasonably approached alternatives to delete all account activities, similar to other account payment companies.     However, in order to reasonably close this matter, we are requesting that CCC mail us a formal response offer to significantly reduce any open account amounts and an offer to delete all account activities from our credit report immediately.     We will then review your offer and contact you.     Thank you for your consideration.          XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I took a loan from XXXX at the end of XX/XX/2017, made the first repayment back to them, then had a financial hardship and wasn't able to continue my automatic payments. 
I moved around this time and submitted mail forwarding with the US post office. I have received no correspondence from them, including statements. Starting in XX/XX/XXXX of this year I was contacted by my estranged mother who I havent spoken with in years stating that she was contacted and advised by the representative that a " legal complaint had been filed against me by someone at my address ( proceeded to provide her with my address ) ''. I then received a voicemail from someone from " XXXX XXXX '' stating the same thing and that if I didnt call them back to " tell them my side of the story of the events that ocurred '' that they would " report my actions as intentional '' and take necessary action. I called them back and was supposedly transferred to a legal department where I was told I had 5 days to make an arrangement with them or they were going to take legal action and I would have to pay for their legal fees and additional penalties. They then contacted my father and told him this same story and I have reason to believe they have contacted other people associated with me. They are ruining my reputation and leading people to believe that I am in legal trouble. I am a single mother in XXXX XXXX and this can cause me to lose my job if they get in contact with my employer regardless if their claim is true or not. I pulled up my credit report and they were not on there other than as an inquiry. I tried to reach out to the 2 contact numbers on there for moneylion. One of them was a fax and the other was a recording that's intention was to lead me to believe that my phone service had been interrupted. I need them to stop these threats and fear tactics, harrassment and ruining of my reputation. The number on which I was contacted on by " XXXX XXXX '' who left the voicemail with the accusation and threat was XXXX XXXX XXXX. That is also the number I called back and talked to the representative. When calling the number today it goes straight to voicemail and says it's the direct personal line of " XXXX XXXX ''. Please help. Thank you. 
*Update * I just went through old emails and found that the account was sold to Plaza Services LLC in XXXX Georgia XXXX XXXX XXXX **Also note, I put my address as the one that  they have for me, where I was when I opened the account and where they alleged the complaint was filed. I am not including my current address as I am afraid of what the company will do to me and the relationships affiliated with those and my current address should they get it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Excerpt from my   XXXX   XXXX   XXXX   letter to C apital One B ank : Dea r Sir/Madam : I  am responding to multiple conversations I had with representatives of your bank on   XXXX   XXXX   XXXX  . I spoke w ith three of  your Representative/Agents :  XXXX ,  XXXX  and  XXXX  regarding the fact that although I barely using the card, and pay the bill in a timely manner, paying an extra {$10.00} in an effort to reduce the balance, the balance consistently increase rather than decrease. Below is the information that I was given by your representatives : They could only go back to  XXXX  ( I have had this card for at least 25 years ) ; I was told that because the interest rate on cash advances is higher than on purchases, that a lesser portion of my payments are applied to any purchase balance with a portion of the purchase balance then added to the  cash advance balance, thus Capital One is allowed to charge a higher interest rate. The last cash advance that showed on my  record was {$20.00} in   XXXX   XXXX   XXXX  . From that {$20.00} I now owe {$1000.00} on cash advances even though I have not misse d one si ngle monthly payment and pay as much as I can afford over the minimum requested ( usually $  XXXX  {$20.00} ) in an effort to pay the balance down In fact, your representative was not able to tell me why I owe your bank {$1000.00}, other than that single  cash advance. One of t hem did offer to refund 3 months of interest at {$25.00} per month, which I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-05-01
Company: INTERFIRST MORTGAGE COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Interfirst ( XXXX XXXX XXXX, XXXX, XXXX ) holds mort on my home. I received annual escrow analysis in early XX/XX/2023. I was paying $ XXXX. They made a mistake and showed an insurance payment to be made in full in XXXX and XXXX ( always paid in full in XXXX only ). They didn't actually pay it twice, but because of this mistake, projected a shortage in my escrow. Said my payment would increase approx $ XXXX. ( it showed a payment of {$1200.00} due XX/XX/2023 ). I contacted them in XXXX and, realizing their mistake, they were to produce a new corrected analysis and send a copy to me. I received that new analysis about XXXX days later. It indicated a shortage of {$220.00} and that my payment would increase from {$1100.00} to {$1100.00} ( an increase of {$38.00} ). By this time I had already sent payment for XXXX ( {$1100.00} ), as I hadn't received a new payment amount. I then receive a statement showing {$1200.00} due XX/XX/2023. After talking by phone with them 4-5 times, I escalated to someone named XXXX XXXX XXXX He said my XXXX payment ( {$1100.00} ) wasn't enough to satisfy what was due ( {$1200.00} ). He indicated I should have paid a payment for XXXX of {$1200.00} and, if that amount wasn't correct, I should try to get my overage back later. And, that my XXXX payment ( {$1100.00} ) wound up sitting in an undirected status until my XXXX payment was received ( {$1100.00} ), then they were added together ( {$2200.00} ), {$1200.00} was taken out for XXXX, and the remainder ( {$1000.00} ) sat unused and XXXX 's payment not made. After not being a satisfied by him, I asked to escalate further. He asked that I give him a day to try and straighten it out. I received a call back from him 2 days later. He said I should make a payment then of {$60.00} and new pay. beginning XXXX XXXX would be {$1100.00}. Then I get an email showing a late fee ( XXXX ), later a state. showing {$1300.00} due XXXX, finally a letter saying I'm in default and threatening foreclosure. I need help. I thought we straightened this out, but apparently 1 dept. doesn't know what another is doing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 writing to dispute the accuracy of certain accounts listed in my consumer report, which I obtained from your agency. These accounts should not be furnished on my consumer report as they are in violation under 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports.

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX ( Unauthorized Inquires ) XXXX XXXX XXXX  open date XX/XX/XXXX XXXX open date XX/XX/XXXX XXXX  XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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 am submitting this Complaint via the CFPB to formally dispute inaccurate information that have been reported on my credit file. During a recent discussion about credit files while on vacation, I became motivated to check the accuracy of my own credit report. To my surprise, I discovered several accounts containing invalid and incorrect information. I am seeking the Credit Bureaus ' assistance in investigating and rectifying these errors promptly. After reviewing my credit report from Equifax, I have identified the following discrepancies : XXXX XXXX XXXX Balance : {$0.00} - I have found that the details concerning XXXX are entirely inaccurate and have not been corrected as promised. It is essential that this false information is promptly removed from my credit report. Despite claims of late payments, I engaged consumer counseling services and entered a consolidation plan where timely payments were made on my behalf. Both the XXXX XXXX and I confirmed with XXXX that the payments were never overdue. XXXX acknowledged the errors and pledged to remove the account, but unfortunately, this has not been done. 
XXXX XXXX XXXX Balance : {$0.00} - I have discovered an error in the Credit Bureaus XXXX report concerning this account, as it contains inaccurate and invalid information that leads to false details being displayed on my credit report. Upon contacting the Credit Bureaus, I was instructed to complete an FTC form to address this issue, which I believe should be considered unlawful for it to appear on my credit report. Therefore, it is crucial that the erroneous information is promptly removed. I want to emphasize that I made payments as agreed for this account and maintained a consistently satisfactory payment history throughout its duration without any problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The credit union keeps using different names of themselves on XXXX and Transunion and XXXXXXXX. When you make a payment you never know what listing they will put the payment under and then it shows lates on the other name.

The credit union is called XXXX XXXX but they also use their former name as XXXX XXXX XXXX. They list XXXX XXXX is listed on my XXXX reports but XXXX XXXX XXXX on XXXX and Trans Union. I have two loans with them, The first is a auto loan, and they will not send me a copy of the title or lean holder on the car, and the other loan was a forced loan on me, They were supposed to refinance my home last year but then they refused me and charged me {$500.00} for a home inspection that they never did and forced me to take out a {$1200.00} loan to pay it. So now I have a double payment to them. I am XXXX and have a social security limited income of {$1000.00} a month. Now I do not have enough money to eat every month. They never explained the truth in lending and never provided documents on it. So I have a reporting problem with them, because they use different names on different credit reporting companies and a truth in lending problem with the contracts. They also keep changing information on my credit reports. They never tell me what they are doing or what they are reporting. They have lates listed on all the reports as 30 and 60 days. But they did skip a pay for me when I got out of the XXXX  from XXXX XXXX. Then sent me a new contract to sign by way of internet that was blurry and blotted out so I could not see what they did and said that I had to sign them over the internet or they was going to take me to court and sue me to garnish my social security check and medicare. I feel trapped in this and fear that they will take away my social security check every month and take my car away from me so I can not get to my medical appointments. I never gave them permission to report anything on my credit reports. I need my privacy on this matter to due to my health.

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