BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: Residential Bancorp
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Myself and wife XXXX children bought house XXXX XXXX we put down {$10000.00} down property was {$220.00} interest rate 4.5 % Realtor didnt disclosed kept cecret forged signatures on our behalf made up email for me had access to password .signature isn't mine I have proof .She possibly got {$15000.00} dollars for first time homebuyers me and wife wearnt aware never knew .House was infested with XXXX, XXXX, XXXX, wasnt never afewmagated  For bugs times got hard she told us she can push our morgage out for year also she stated she can get a modification took her time we decides to move foward she stated if we leave her we would loose our house and it foreclosed XX/XX/XXXX time and money we put in property she told us their was {$20000.00} dollars of equity the sold our loan to another morgage company and it was total disaster never gave us papers when we purchase house its been 5 years we went threw a total distress move out of state I did research kept pressing her about my documents when we purchase house she forward emails that we where never aware of documents that we never signed false info.false contact numbers for us I just hope one day XXXX wood hear my prayers and let their be justice I have enough info to uncover the true colors of how people are so cruel from bankers, realtors, lenders, notary docusign agents from blank papers to documents with papers that I never sign nor my wife afew but with my signature only .The lender and realtor had access to our credit score I have emails notes that stated messages back and forth fake work orders from the realtor supposedly they were gon na fix

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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: Account information incorrect

Complaint:
I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with XXXX XXXX XXXX. During this time, XXXX has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX  mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXXXXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXX, and 2 years prior to this, XXXX gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XXXX XXXX XXXX  dispute and the CFO of XXXX supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping 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 explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681.

I communicated with TransUnion to reinvestigate these accounts. Accounts : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX. However, they stated everything was complete and accurate. However, how is that possible if the open date, date of last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Especially by these accounts being crimes of Identity Theft and I am a Victim of Identity Theft.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall Not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also TransUnion is not in compliance with the Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX Identity Police Report, the Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ).

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX claims they have conducted a proper investigation into my dispute concerning a XXXX charge on XX/XX/XXXX XXXX for {$1000.00}. SInce I have also Disputed a 2nd XXXX Charge from XX/XX/XXXX in the amount of {$640.00}, which somehow was placed on my credit card days after I had placed a block on my card. 

Here are my request : The complete unredacted file XXXX XXXX compiled concerning my first dispute. XXXX XXXX MUST provide me with the dates of all contact they made concerning my Dispute of the XXXX charge for {$1000.00}, who they spoke to, the information they used to conclude they would not remove this charge from XXXX. I am also including a recording of the phone call I had with XXXX Representatives when the rental car broke down. If XXXX XXXX did a proper investigation they would have this recording. 

As for the 2nd XXXX charge : I called a XXXX XXXX representative on XX/XX/XXXX to close this credit card, the representative talked me out of closing the card claiming he could place a block so that no more charges would go though. I agreed to the block. Yet incredibly a charge from XXXX for {$640.00} was allowed to go through. How is that possible? 

I believe XXXX XXXX violates the FCBA and the FCRA by not actually conducting proper investigations. As a result XXXX XXXX reported an inaccurate balance to the credit bureaus which actually had my account over the credit limit. My credit score dropped over 20 points and I was denied credit for a XXXX lease on XX/XX/XXXX XXXX. See attached Now I have actual damages and will be included in my lawsuit

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 2020-12-14
Company: LD Holdings Group, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process of applying for a refinance on my residence in XX/XX/XXXX. The appraisal was completed and documents submitted within 48 hours after they were requested. The rate lock was through XX/XX/XXXX. The closing on the loan has been delayed several times. The latest delay is with underwriting. 
Ive had contact with the company via email and telephone on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
Inaccurate Closing Disclosure documents were sent to me and a closing scheduled for XX/XX/XXXX. The closing was cancelled because accurate numbers were not provided. Points and fees were not as agreed to. At that time I discussed increasing the loan to 80 % ltv versus the original 70 % loan. The current delay is with underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing are threating to Foreclose on my house. On XX/XX/XXXX My husband and I took a second Loan in the amount of {$49000.00} to purchase our home, my husband who passed away in XXXX was handling the properties and stated that the second loan on all the properties during the recession the banks were forgiving it, after which we never heard from XXXX or any other bank regarding a transfer of this loan. We never received anymore payment statements or correspondence from anyone, and there was no late payments on our credit report from any bank/company regarding this loan from XXXX to present. My belief was that this loan was also forgiven along with the other properties. There was no demand payment until XXXX or XX/XX/XXXX I was contacted through the mail by Specialized Loan Servicing stating that I needed to pay them {$14000.00} and something to bring my account current or my house would go into foreclosure. I immediately called them and stated, I do not know you, I have never heard of you XXXX had this loan and this loan has been forgiven. I asked them why are you contacting me after all these years and demanding this kind of money? The Representative said we are servicing this loan now and that I had to pay the above amount plus the first months payment in the same month. I informed them that I did not have that kind of money, I am a senior citizen and on a fixed income. They started takin pictures of my house, some times twice a month and said I had to pay {$15.00} for each. From XXXX of last year through this year they said my house was flagged for foreclosure and they are waiting for a sale date. I have never received a timely evaluation notice or a Default/Foreclosure letter in the mail from them. I have never received any paperwork from a new bank/company stating that this loan has been transferred to them. SLS refused to give me any info on the company they are collecting for, and states that I would have to ask for it in writing addressed to them and they would get back with me. they made frivolous credit checks on my report, stating they have to check it from time to time, it lowered my credit score and I asked them to stop checking my credit. I had to research a number for XXXX, I was unable to speak to a person but I left a message asking someone to call 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 explanation
Consumer complaint received 2019-01-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I paid an extra {$250.00} payment online on XX/XX/XXXX and I figured since the account was paid up to date, the funds would be applied to principal only. The payment ended up being processed with principal AND interest. 

After noticing that is what happened, I called One Main between the dates of XX/XX/XXXX and XX/XX/XXXX to find out why it was applied that way and spoke with an agent named XXXX ( whom I can no longer trust ). After asking her why was it applied that way, she advised she didn't know. She stated in order to do principal only payments, I had to call in. Making it MORE DIFFICULT to pay the loan off earlier. This is unfair and it is also deceptive to have the option to pay online with no disclosure given prior to making the payment that we CAN NOT pay principal only. 

XXXX was of no assistance that particular day, ESPECIALLY because I asked for the amount that went to interest to be taken out of my account and applied as principal only. She took the payment ( so I thought ), asked me to hold so she can set up recording for my confirmation of the payment, came back to the phone and the payment never posted and it never came out. 

I called them back on XX/XX/XXXX because the money never came out of my account. XXXX answered the phone and I asked to speak with someone else after she was extremely rude in the way she answered my questions. Once again, using " I don't know '' as an answer for my questions. I asked to speak to someone else and she placed someone on the line to take my payment. That person took the {$250.00} principal only payment from me and it was processed correctly. 

The company 's website is misleading and deceptive and it does not help in making principal only payments. XXXX needs to be trained on how to handle calls from clients regarding the online system. She doesn't know ANYTHING about it and she is also very rude. 

I ask that she gets more training and better yet One Main Financial get a better website to use. Otherwise, it leads me to believe they are intentionally trying to make it more difficult to pay the extra money towards principal from month to month. I shouldn't have to call ANYONE. It should just be that easy. This has to be some sort of violation of UDAAP or some other regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I request you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2023-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called caiptal one about my credit card asking them to postpone the due date to pay for the credit card by 3 days. the agent over the phone said yes we will postpone the due date by 3 days to give you time to pay for the balance that was due earlier than expected because credit cards can be due every 4 weeks instead of every 31 days. They closed my card right after that and did not delay payment by 2 days nor even by 1 day, immediately closed the account and sent it to my collections to damage my credit score. I contacted capital one and XXXX both to dispute the charge and they denied to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Personal information incorrect

Complaint:
i sent a letter out on XX/XX/2020 disputing inaccurate personal info and for some reason i've gotten no feedback

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 2023-03-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 someone called me from Fifth Third Bank Fraud Department 's official phone number and identified themselves as a Fifth Third Bank employee attempting to verify transactions made I'm a different state on my checking account. They listed charges and dollar amounts I did not recognize them so I stated they were fraudulent. They placed me on hold while they marked the charges as fraudulent. They stated they were resetting my online profile because it showed someone else logged into my online Fifth Third account in a different state. The call suddenly disconnected and seconds later a {$1000.00} charge hit my checking account. It was listed as a XXXX transfer to someone named XXXX XXXX along with the person 's phone number. The person that called me was a hacker that spoofed Fifth Third 's Fraud Department phone number and XXXX 'd themselves {$1000.00} after hacking into my Fifth Third online account. I immediately called Fifth Third Bank Fraud Department ( the same number the hacker spoofed ) and filed a dispute. On XX/XX/2023 I received a letter in the mail from Fifth Third Bank stating they denied my dispute for the {$1000.00} fraudulent charge. I literally gave Fifth Third Bank the XXXX information I found from the person who stole my money and the screenshot I took of the call log showing the fraudulent call cane from Fifth Third Bank and they still denied my claim. I need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is in direct violation of my CONSUMER RIGHTS! On numerous occasion I've spoken with representatives to have inaccurate accounts removed. I spoke with XXXX and she informed me the items would be removed with XXXX hours. That was not the case so I called back and spoke with XXXX who reassured me the itms would be removed in XXXX hours. To date the inaccurate accounts are still on my Consumer File. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX closed Credit Card acct ending in XXXX. 
In light of recent investigations brought upon XXXX I find that my consumer file is being irresponsibly tampered with. I've made several attempts to remind their company of your duty pursuant to 15 usc 1681. It appears they're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( b ) assures that I am due, promised accuracy in my report based on Federal Law. 15 usc 1681 c ( 2 ) BLOCK of information resulting from Identity theft is my RIGHT AS A CONSUMER. Reporting of these inaccuracies is hindering my HOUSE BUYING process.

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