BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX was until just recently my mortgage loan servicer and I was having servicing issues with them as they were not treating me fairly with my requests for mortgage assistance. Not only were they not providing me with retention options, but now they have sent my loan to another servicer : Shellpoint Mortgage. I can only assume they did this to get rid of a problem loan. My family had some financial challenges when I suffered a reduction in hours at my job. We hung on the best we could to keep up with our mortgage payments, but ultimately fell behind. They provided me a modification to keep us in our home, but it was not affordable. Subsequently, I fell behind on my mortgage again while struggling to keep up with all of my financial obligations. We have rectified our financial situation and I am making more money than ever. Also, my job is now very secure and is providing me with plenty of overtime that will continue for years to come. However, when I tried to convey this to XXXX, they just insisted that there is nothing they can do. I see that the US Government fined XXXX XXXX XXXX for the way they serviced requests for assistance by homeowners, yet they still continue performing the same way as they did before. I believe the US Government also gave XXXX a consent order detailing exactly how they must treat requests for assistance, but I believe they have failed on my loan. XXXX was not being fair regarding my request for assistance. 

I am hoping Shellpoint Mortgage doesn't treat us the same way, and my family could really use some assistance to save our home. We are now in foreclosure and are afraid that we will lose our home. Please help us fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card & checking account at the same institution. As ridiculous as it sounds, I can not set up automatic payments from the checking account to the credit card ( like any other card ), but was told that I could set up XXXX XXXX- that evidently sends a check in the mail from one part of the same bank to the other. This has worked fine for a few years, but now I am being told that the bank is no longer offering XXXX XXXX. I have tried the internet website for this, but it has no option for auto-pay. Customer Service is woeful, and talking to a manager/executive seems impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27
Company: EQUIFAX, INC.
State: WA
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:
These are not my accounts, addresses listed, name, nor did I authorize these companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : 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 2019-01-22
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called on XX/XX/19 to try and settle a credit card debt with Nordstrom. I then asked, is there a way we could come to an agreement to get the debt off of my report in order to bring my score up and open up a line of credit with the Credit Union. The lady insisted that the account was closed and would reflect as a negative impact on my credit for several years. After tireless discussion she then said " You can call back at the 7 year mark to get it removed ''. I opened the account not knowing the repercussions of spending and not paying off the debt. I was young a clueless about credit and its negative affect later on in the future ( Today ). I was even willing to pay the debt even though its been 3 years, 1 month, and 26 days. She could have worked with because I've gotten things off of my credit before. I actually negotiated a fair amount with two other debt collections, so I know it's very much possible for this negative account on my credit to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have been calling every day for several months, looking for a XXXX XXXX, XXXX years old. I am XXXX. The person they are looking for, I believe, is from XXXX, CA. I am sick of these calls. Asking for the debt to be paid. The last incident was on XX/XX/2021. They previously called at XXXX XXXX. They call several times a day. I have Previously informed Them I want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Five months ago I bought a used car which got financed by a so called WESTLAKE FINANCIAL SERVICES CO out of XXXX CALIFORNIA I also bought the extended warranty and the GAP insurance. Two or three days later after I bought the car the engine light came on and its been an nightmare since then. XXXX XXXX was the day of purchase and to this day XXXX XXXX the estimated repairs needed exceed any amount of money I have. I tried talking to the dealership but they refuse to work with me Im talking about more than {$3000.00} dollars in parts alone. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL 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 2019-01-22
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent correspondence to the original creditor Citibank multiple times, a 3rd party collection agency and now this company XXXX XXXX XXXX. I have requested that they send me something bearing my signature on it showing I have contracted with them and owe them something. They have sent me statements, not any documents with my signature on it. I received a letter from XXXX XXXX XXXX stating they expect this matter to be resolved by XX/XX/2019 and the letter is dated for XX/XX/2019. The expected resolution date is unacceptable as this is hindering me from obtaining credit and being asked to pay something without viable verification. XX/XX/XXXX is way beyond the 30 day period as that is required by the FCRA. I am also requesting that they do not send me statements!

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 2020-12-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have sent numerous letters to Experian disputing the information that they are reporting. Everytime they come back as valid. I recently located the response letter from XXXX XXXX which debunks all Experians claims as the information is valid. I have tried over and over again for them to understand the information is not correct and they refuse to accurately research and confirm, they just run it and come back days later that its accurate. I have sent them information over and over again with no truthful results from them.

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 2018-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I went to Chase Bank to open a military account and they copied my veterans id card and my drivers license. They assured me it was normal protocol. It was not after doing my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-06-07
Company: Experian Information Solutions Inc.
State: OH
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:
sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.

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 2019-01-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-04-06
Company: EQUIFAX, 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:
I am writing to you because I recently sent to companies letters since XXXX of 2021 about how they are reporting my credit and wrong information and I still have not heard anything from them which is wrong and unjust. please look into this for me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ally Bank, via a letter to my XXXX XXXX XXXX surreptitiously closed both my checking and savings accounts ... in the middle of paying my property taxes, in the middle of finally receiving my {$1200.00} stimulus payment, in the middle of paying bills, in the middle of receiving an unemployment payment, and in the middle of transferring money to bolster my checking account. All this " financial movement '' was simply cut off by Ally Bank for not conforming to Section 35 of their deposit agreement. Oddly, this comes at a time when XXXX made me fight for 45 days for a defective product refund via an XXXX purchase. In my mind, Ally Bank and XXXX colluded in an effort to punish me, for forcing XXXX to go into their pocket for a horrible & dishonest XXXX seller. XXXX as usual is " double dipping '' and easily culpable in this scenario too. Without doubt, this was a reckless act during Covid19 by all three parties. When you read Section 35 of the Ally Bank deposit agreement, nothing in the text pertains to ANY issue I've ever had & was used by Ally Bank as a false pretext to close my accounts. I mentioned to Ally customer service that I saw case law regarding this same issue & my account was promptly closed. I saved all emails from Ally Customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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: Investigation took more than 30 days

Complaint:
I mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from XXXX. I followed up with a letter on XX/XX/2021. I have received no correspondence from XXXX regarding this request. 

I sent the same request to TransUnion and XXXX  specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. TransUnion and XXXX both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that XXXX received on XX/XX/XXXX and TransUnion received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.

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 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 contact Capital One and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and Capital One & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report Cap One XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is about a XXXX ' store credit card account, with XXXX XXXX, which I XXXX XXXX, the account holder, previously had finally land a problem with my XX/XX/XXXX monthly payment transaction prior to past complications. 
For example ; far as the creditor utilizing a trace of my identity, the last four digits of my social security number, for the last four digits of their telephone number, and posting illegal late fees to my account as well. 
A five year payment history documentation should clearly express and compare my payment behavior to the last late fee illegally post to my account as well as a partial of my social number being the company 's telephone number, Which is a second violation. 
Now so, I would like to possibly claim damages in best interest. Sue or/and cease payment for damages. 
They could not only harm my credit and expose half my identity from a long term, loyal customer of commitment but, to the public, but can cheat me to. They just cant bully, harass and rip off consumers like that. They are way over the line. Please consider I XXXX XXXX opened the account in year XX/XX/XXXX and is currently the ongoing account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent a money transfer in the amount of {$200.00} to my cousin in XXXX via Western Union bank transfer. After 30 days, the receiver still has not received the transfer in his bank account. He has spoken to his bank multiple times and also with the local Western Union office. Both offices confirmed that the money never arrived in XXXX and did not even leave the US. 

I have called Western Union multiple times and they keep lying to me saying that " the transfer completed successfully. '' I asked them for a bank-to-bank wire transfer confirmation and they refused to give me any such confirmation. They would not even tell me their bank 's name. 

After three weeks, Western Union sent me a letter saying " we confirm the cash was picked up. '' I called to remind them I didn't even do a cash pick-up transaction. I had done a direct bank account transfer, therefore their letter made no sense. 

Please follow up with Western Union as they are neither depositing my transfer into the receiver 's bank account or refunding my money. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: BMW Financial Services NA, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing this complain because Bmw financial services has reported and inaccurate 30 day late for XX/XX/2018 to my credit report which has made my score drop drastically. During this time I had reached out to Bmw financial services to explain my situation. I explained that the autopay should be cancelled because my checking account information was compromised. I was not able to make any payment online or over the phone. Representatives at Bmw financial services explain that I could only make a payment using XXXX XXXX. I did so. Shortly thereafter while checking my report, there was a 30 day late reported to credit Bureaus making my credit score drop drastically. After speaking with a representative the understood and told me to dispute it. This is my 3rd loan with Bmw financial services and I have never been late. And also before this I had 100 percent payment history with all of my accounts. Please remove this late payment so I could continue my payment history at 100 percent. It was a misunderstanding between Bmw understanding to not pull out of an account thats was have unauthorized transactions taking place. Please help me and remove this XXXX late payment. It is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Loan Depot in XXXX because we refinanced our loan with them and the Taxes for the property were disbursed in the refinance ( See the XXXX and XX/XX/XXXX showing Title company paid ). {$600.00} was received by XXXX on XX/XX/2020 per the County. I contacted Loan Depot because they also issued a check from our escrow account on XX/XX/2020 to pay the same taxes. I advised them that XXXX 's check was received 1st and cashed by the county to pay the taxes. I requested they refund us for the {$600.00} sent to pay the same taxes and disbursed from escrow on XX/XX/2020. At that time, the representative I called said that the county would refund the check to them and they would send it to us. I waited 30 days and called again in XXXX as well as using the secure mail within the account. The responses were illegible and by calling I was told it would take some time. I found additional resources on their site and I faxed the documents to their escrow department because the customer service email would not accept the documents and I couldn't speak to anyone by phone to get the issue resolved. I asked for status and 7 days later I was thanked for my inquiry. I followed up again in XXXX and was told 7-10 days. It is now XXXX and I don't have status. The documents attached show that Loan Depot issued Taxes from our escrow account on XX/XX/2020. We refinanced with them and on the XXXX it shows taxes were also paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried calling the company that I owe my debt to and they were rude and hung up on me on several occasions. I am trying to pay my debt off because I am wanting to make a home purchase, but I am unable to since they are not wanting to work with me.

Company response to consumer: Closed with explanation