BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying for years to get a loan modification on my mortgage with TD Bank. They always claimed that they did not receive my application when I sent it back to them. So I am consistently behind on payments that are hard for me to afford on a fixed income as a retired person. I recently obtained a lawyer to help me try to get a loan modification and try to communicate with TD Bank. Through her fax line and email, I have submitted a loan modification application packet to TD Bank to the fax number and email that they provide. I have submitted this application 6 times : XX/XX/XXXX via email, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, and XX/XX/XXXX via fax. I have never received any acknowledgement that the fax or email was received or is being reviewed. The only response I got was once to receive a form letter and a brand new application packet in the mail, with no indication that I had already sent them my income proof, my bank statements and a signed and completed application. I am sending everything to the fax number and email that is provided on their application. I have gotten confirmation that the faxes and emails were successfully delivered. I believe there is a federal regulation that states that if I ask for a modification, TD is supposed to respond within 10 days with further instructions or review. They have clearly ignored this requirement. I feel trapped and totally ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: WELLS FARGO & COMPANY
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:
Theres a fraudulent account named : XXXX showing on my credit report and its affecting me to buy a home

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 2021-06-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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:
This is not a duplicate. 

XXXX XXXX XXXX has not answers to this complaint properly. XXXX I filed this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!

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 2019-05-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent my documentation to Equifax, they keep telling me that the information is verified but they have not provided proof by way of documentation to show that this is my actual debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is another CFPB complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Under the provisions of the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following items off of my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If you truly believe that the disputed accounts and information you report on my Credit File is accurate, prove it by sending me copies of documents bearing my signature. Without any of these documents, I expect you to please remove the disputed items as soon as possible.

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 2023-10-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been trying to use the Lakeview Mortgage online system for more than 7 days, for a total of over 11 hours, The system either does not recognize me, or it just locks up, They then start asking for a great deal of personal information, I have been unable to make my mortgage payment, due XXXX XX/XX/2023 because of this, Also, their system keeps running me in circles trying to get to a human and mainly tries to send me ta a number wanting to give me promotional offers, Then need to just have a simple call in number where a person can get actual assistance and not be dragged into a crazy death spiral, When I finally did get to a human, they were not useful at all,

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 2021-01-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax, XXXX, and XXXX  have not responded to my attached dispute that was sent on XX/XX/2020. They were sent certified mail and I have not received any resolution to the erroneous accounts that are present. 

Certified mail slips evidence XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a record of them receiving the requests with no response since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company was notified on XX/XX/2023, XX/XX/2023, and XX/XX/2023 Via certified and registered mail.regarding notice in accordance with 15 USC 1666 ( a ) ( 1 ), 15 USC 1666 ( a ) ( 2 ), 15 USC 1666 ( a ) ( 3 ) that there is a billing error on the following accounts in the name of the obligor XXXX XXXX account ending in XXXX and XXXX. 15 USC 1666 ( d ) RESTRICTING OR CLOSING BY CREDITOR OF ACCOUNT REGARDED BY OBLIGOR TO CONTAIN A BILLING ERROR. This is a breach of contract and an adverse action for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am filing this complaint against the consumer reporting agency Experian because they refuse to remove incorrect information that is listed on my credit report ; namely, an inaccurate address. According to 15 U.S. Code 1681i ( 5 ) ( i ) the bureau shall " promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; '' Furthermore, 15 U.S. Code 1681i ( 4 ) states, " In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. '' I have sent letters to Experian, XXXX and XXXX about incorrect personal information on my reports, and the only CRA to not remove the inaccurate address is Experian. I have contacted Experian about this particular address by mail a total of three ( 3 ) times. The first letter I mailed to the bureau was in XXXX. I no longer have a copy of this letter, but I am attaching the dispute results I received from Experian which include the report number assigned by Experian, and the date the report was generated. Along with this letter I sent a photo of my valid driver 's license and a bank statement as supporting documentation of the correct address. The screenshot also shows that all incorrect address information was removed from my credit report EXCEPT the inaccurate address of XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I sent a second letter for removal of ALL inaccurate personal information to Experian on XX/XX/XXXX, and I have attached a copy of that letter as well. The results of this dispute were the deletion of all inaccurate personal information except for the above referenced inaccurate address. The third letter I sent to Experian requested only the removal of the inaccurate address. It was mailed on XX/XX/XXXX, and I have attached a copy of that letter. In addition to a copy of my valid driver 's license and bank statement, I also provided a paycheck stub from my employer as additional documentation of the correct address. I have included attachments of all documents sent to Experian. After all these attempts Experian still refuses to remove this inaccurate address from my credit profile, which puts them in violation of the above mentioned FCRA regulations since they willfully refuse to remove inaccurate information from my report, as well as disregard the supporting documentation proving the correct address that should be listed on the 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent correspondence to PORTFOLIO RECOVERY ASSOCIATES '' PRA '', stating PRA violated REGULATION F, which started XX/XX/XXXX. Other Violations : -FDCPA XXXX by parking an alleged debt on my consumer reports. 
-15 USC 1981b2, I have NOT given PRA written permmission to report to my consumer report.

-18 USC 1028A, PRA engaged in AGGRAVATED IDENTITY THEFT PRA as of XX/XX/XXXX has NOT responded to any of the above violations and continue to report acct # XXXX to my consumer report. PRA is in violation of 12 CFR 1006.34C and 15 USC 1681. The Fair Debt Collections Practices Act and Fair Credit Reporting Act requires PRA respond within 30 days of receipt of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The complaint was filed XXXX and temporarily they took off {$240.00} dollars from the amount after they said they was not responsible department more lies. Then returned it days later because you accepted that response. There is no way an account that is closed accrues more interest they closed the account so it is now paid out to resolve. I did not close it they did. If you write the credit off or file a bankruptcy the account is no longer used and the amount owed decreases not increases when you pay it or resolve it Please resolve this ASAP this getting double paid for something they ended and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: TN
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:
Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine XXXX/XXXX  and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have told Wells Fargo Auto Finance that they needed to show XXXX months of my past bank statements, they never asked for them at the car dealership. These are required to ensure that I can afford the amount of the loan the car dealership requested. 

They have not complied with this very simple request. They need to ask for these statements which will show I didn`t qualify for this loan.

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 2022-10-21
Company: LEXISNEXIS
State: KY
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:
Title 31u.s.c.sec,3123 all debts are UINITED STATES obligations.. H.J.R.192 THERE IS NO RESON I SHOULD BE LATE OR MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT AND THIS SITE SUCKS FOR DOING SO AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Support was disrespectful and you can even hear her snickering as she tells me false information. XXXX, case number XXXX. Tried telling me that a service I have been using for almost 2 years was NEVER available. That can not be true. She then tried to explain some non-technical communication between the bank and the third party. saying XXXX such as " it using security questions and not a one-time code ''. Let 's pretend she didn't just pretend to know something she clearly doesn't, let 's pretend I believe her XXXX. How is she the ONLY person in PNC that knows anything? and when I asked for a supervisor, she snickered and said she doesn't have one and that she is the supervisor. This is insulting. If she doesn't want to do her job or take it seropusly, why do I have to pay the price? This is my finances, MY LIFE and this employee did nothing but lie to me and snicker. UNACCEPTABLE. Attorney General complaint is to follow. XXXX they record for " Quality '' assurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Aidvantage does not give an option to put extra payments on principle. They have stated it is not possible to do so in their site. 

This leads to an unhealthy relationship with the individuals student loan and accrued interest. We as citizens should have a right to accurately pay our loans off with due diligence. The provider Aidvantage refusing an option to pay more on principle strips us from that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have requested an proper investigation to EQUIFAX, XXXX AND XXXX regarding an account for 5 months since XXXX XXXX after XXXX followups XX/XX/2022 XX/XX/2022 XXXX XXXX and also XX/XX/2022 and XX/XX/2022 i still havent received the requested information. Also, i have pointed out numerous errors [ ie. billing dates, balances and etc ] regarding the charge off account showing on my credit report requesting them to be removed this has caused detrimental effect on my health and welfare [ ie. billing dates, balances and etc ].

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: FISERV 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 and again on XX/XX/2022 fraudulent transactions were made against my checking account. 
On the account detail line " Telecheck '' and their phone number appears in the payee line.

I have contacted the company who refuse to assist in any way, claiming they were not the recipient of the stolen money.

However Telecheck facilitated the theft, allowing and encouraging the final recipient to steal the funds.

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 2023-10-20
Company: EQUIFAX, INC.
State: VA
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