BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took out a HELOC in XX/XX/XXXX against my principal property. I paid that loan off on XX/XX/XXXX but somehow I ended up having a {$0.00} ( XXXX cent  balance ). Because of the outstanding interest rate on the HELOC ( 2.99 % ), I was advised to keep the loan open instead of closing it at that time, incuffing an annual fee of {$25.00} to keep the line open. I have paid each year in XX/XX/XXXX via a direct payment from my checking account at another bank. At the end of last year, I was notified that the HELOC was coming to the end of the draw period. I called to close the account and was told that they could not take a {$0.00} cent payment via transfer. On XX/XX/XXXX, I received a bill from the bank stating that I owed {$37.00} including a {$37.00} late fee. I called CS and requested that the fee be waived, which I was told would take 3-5 business days for a response. I was also told I would need to pay a {$74.00} fee to have the Lien Released on my property. I was able to may a  payment from my other back checking account of {$1.00} to make sure I have no more balance on the Line of Credit. I called XXXX County Controller 's office and was told that the fee for the bank to release the Lien is {$54.00}. I reviewed my HELOC contract which states I may only be  charged a release fee equal to the amount of the 3rd party fee ( which in this case would be the Controller 's office ). 
Today, I called the bank back to see the outcome of my request to have the fee waived. The bank did waive the fee, but I only found this out by talking to a supervisor, because the initial CS agent told me it was denied. I also explained to the supervisor that XXXX County Controller 's office stated the fee is {$54.00}, not {$74.00}. She said that XXXX County " has not notified the bank of any fee changes ''. After paying the the {$73.00} balance, I asked how I would receive my refund for the extra {$20.00} payment to the Controller 's office, and she stated that if the bank received a refund from the controller 's office that it would be forwarded to me. ( I have a very hard time believing that this will take place. ) Cudo 's to the Lender for waiving the crazy {$37.00} fee. 
They could have done a much better job explaining the Fee to " Close the account '', and there is the issue of the discrepency between what the Controller 's office told me and what the back is charging.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent this letter on XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX  XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a 30-year mortgage with XXXX XXXX in XX/XX/XXXX. I paid all payments in full + {$400.00} toward the principal through XX/XX/XXXX. My mortgage was sold to TD Bank on XX/XX/XXXX, at which point I immediately paid my first payment to TD Bank ( again, full payment + {$400.00} toward principal ). My XXXX loan statement said I did not owe anything for the month of XXXX because the funds I'd been putting in escrow toward taxes would cover XXXX ( I ended up paying my taxes out of pocket, so they were effectively reimbursing me ). 

Here 's where things have gone awry. 

Halfway through XXXX, I got a note from TD bank saying i was >15 days overdue on my XXXX payment. Reason being : a previous payment had been reversed. The request to " reverse '' that previous loan payment came from another loan agency that *was not* XXXX XXXX - the organization from whom I originally received the loan. I called TD Bank *immediately* to learn more, and they told me they had to enter a request to their investigations team because they don't know what's going on.To be safe, I immediately made a payment. I also made my XXXX payment on XX/XX/XXXX. I have called TD Bank 3 times, and they have confirmed these payments were received, and I am no longer past due. 

All the while, I continue to receive weekly letters from TD Bank saying they're threatening to report me to the credit bureau and that this could result in foreclosure. No one at TD Bank will send me a written document to say that I have been incredibly proactive in working to resolve this issue. Additionally, no one from TD Bank has reached out with a status update, though I continue to ask them to do this. I call once per week, and they still have no update ( after 3 weeks! ). 

I am entering this complaint to document the steps I have taken and the lack of action on TD Bank 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12
Company: OneMain Finance Corporation
State: TX
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:
XX/XX/2023 I noticed two hard inquiries on my account that I do not recognize nor did I authorized. 

XXXX. One Main Financial XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I reside in the state of Texas and have lived in Texas my entire life. 
On XX/XX/2023 I received a notification about a new account that was opened through XXXX XXXX and XXXX. In early XX/XX/2023 my wallet was stolen. Inside my wallet was my drivers license and social security card, along with other identifying information. I contacted XXXX and inquired on the new account and was informed that it was a bank account along with a " secured '' credit card. The account was opened and created in the state of North Carolina. 
I contacted the bank and advised them that my identity had been stolen and that I live in the state of Texas, not in North Carolina. The company informed me that they would close the account, which they never did. 
I have disputed this account through XXXX three times and have submitted police reports from Texas and North Carolina, FTC Report ( FTC Report Number : XXXX ), IRS Identity Theft Affidavit ( XXXX XXXX XXXX ), along with my personal identifying information and they persist that the account was verified and belongs to me, which it doesn't. 
I am a victim of identity theft. This is an on going investigation. For more information on the police report, please contact XXXX XXXX XXXX Department in North Carolina at ( XXXX ) XXXX, speak to Detective XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX. You can also contact XXXX Police Department in XXXX Texas, speak to XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX ( identity theft ) and Case # XXXX ( stolen property ). 
I am pleading for some additional assistance with this matter. This bank account does not belong to me and never has. I have lived in Texas my entire life. My identity has been stolen and the people using my information live in North Carolina and have used my information before to reside in three different addresses and XXXX has not verified the information before and simply adds the information. They have also used my information to obtain a phone through XXXX XXXX, which is also being disputed. Please help!

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 2022-07-09
Company: United PanAm Financial Corp.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: NY
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:
there are fraudulent addresses on my credit report. i tried to fix with the credit bureaus and they are refusing to remove them. my only and unique address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX i have been living there for over 5 years. any other addresses with different apartment number or without apartment number on my credit report is fraud. and i want addresses other than the one i provided to be remove immediately

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 2020-12-22
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've had my mortgage since XX/XX/2018 and never have missed a payment or have been late and I was marked late in XXXX of this year with a 30 day late payment and I had the funds available the bank just changed that it wouldn't accept payment from my business bank account. I overnighted a check to rectify the payment.

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 2022-04-02
Company: Receivables Performance Management, LLC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I received an alert on my personal credit report stating that there was a new collection account in the amount of {$1400.00}. I immediately wrote a dispute letter to the company stating that the collection was illegally placed on my credit report and I dispute the validity of the debt. I asked for proof ( Validation of Debt ), that the account was mine or immediately cease collecting and reporting. I did not receive any response and the collection stayed on my report. 

On XX/XX/2022, I wrote yet again another letter stating that I was responding for a second time regarding the above referenced collection account and did not owe any company {$1400.00}. I included that I previously responded back on XX/XX/2022, disputing the collection account and they did not provide me with a " Validation of Debt '' or any response at all. I once again stated that I was disputing the collection account in full and wanted it immediately removed from my personal credit report ; it still was not removed. 

Here we are XX/XX/2022, the collection account is still reporting on my XXXX and XXXX personal credit report, damaging my personal credit. I am being completely ignored by this company and it is affecting my ability to obtain any new credit accounts because of this. I want this account immediately removed from my personal credit report.

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 2020-12-22
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan at XXXX is in the process of being transferred to Loancare, LLC/XXXX  According to XXXX, the effective date of transfer is XX/XX/XXXX According to Loancare, the effective date of transfer is XX/XX/XXXX. 
I have already made my XX/XX/XXXX and XX/XX/XXXX loan payments to XXXX as of XXXX XX/XX/XXXX and XXXX XX/XX/XXXX respectively along with additional {$600.00} principal amount for each of those two payments. 
Loancare has been making daily phone calls to me including on weekends asking me to call back and when I do they say I am late on my XXXX payment. 
These calls are now turning into a daily harassment with no way for me to turn them off. 
I have requested XXXX already to expedite the transfer of my payments : however since they appear to disagree on the transfer date of the loan XXXX XXXX XXXX XXXX versus XXXX XX/XX/XXXX seen by Loancare ), they are not in a position to help out either.

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 2022-07-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was enrolled XXXX XXXX in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.

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 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me. These account need to be removed from my credit report.

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 2021-03-02
Company: Persolve, LLC - Legal - Series 2
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Persolve Legal Group Partial Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX This company call me in XX/XX/XXXX insisted that I pay the balance or they will put this on my credit report and make my score go down. They said if I want to avoid this just pay them. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Az XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - XX/XX/XXXX XXXX : paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXXl XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, 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 2022-04-02
Company: EQUIFAX, INC.
State: NC
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 have a hard inquiry on my credit report from XXXX XXXX when I never got financing or even look at serviced with them. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX Bank is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate XXXX THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company response to consumer: Closed with non-monetary relief