BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete 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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete 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 2019-04-18
Company: Freedom Mortgage Company
State: AP
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2018 I initiated contact with Freedom Mortgage to start a deed-in-lieu on my home in upstate NY after dealing with over 20 different property managers who stole from me and abuse their licenses to include repeated bad tenants. The last tenant pushed me over the edge of pursuing a deed-in-lieu. After months of submitting paperwork over and over finally I found a realtor that was able to get a potential buyer. This DIL process was changed to a Short Sale that has take up a lot of time due to misplaced paperwork and the bank attempting to rush me into a foreclosure that would ruin my military career. Needless to say I am still in the process of a short sale with Freedom Mortgage underwriting department while the regular customer service department is totally disconnected from what has been occurring with my account ( XXXX ). For the last eleven months my account has been in a default status due to the pending DIL or short sale. The bank told me several times that my account status would not be reported as delinquent to the credit bureaus since I am protected under XXXX until recently they they were made aware of the short sale. It is my assumption that Freedom Mortgage is trying to negatively impact my credit score and status twice since the short sale will decrease my credit score on top of the previously reported delinquent status reported for XXXX through XXXX with the month of XXXX reversed. I have called over 100 times and was told something different each time. From we are reversing the process to we cant reverse the 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 explanation
Consumer complaint received 2019-07-29
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: Information belongs to someone else

Complaint:
I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me  that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX  ) XXXX**, XXXX ( Original Creditor : 11 XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 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 2019-10-14
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into an agreement with Radius global the company that XXXX XXXX hired to collect a debt for a vehicle that was reposted. The agreement was to make three payments in the amount of {$1400.00} totaling {$42000.00} to settle and close the account. Payments began in XX/XX/2019 with the first payment in XXXX, second payment in XX/XX/2019 and the final payment was made in XX/XX/2019. I received a letter from Radius Global solution via email and standard mail stating my account has been resolved and closed in XXXX. I contacted both Radius and XXXX XXXX to have the information updated correctly. 

My issue is the information that XXXX XXXX is reporting to the credit bureaus does not accurately reflect the agreement made between me and Radius global and it also indicate son my credit report that I still owe XXXX XXXX  {$6300.00}. I made three payments in XX/XX/2019, XX/XX/2019 and XX/XX/2019 on time as agreed with XXXX XXXX however XXXX XXXX reported all three of those payments to the credit bureaus as a failure to pay. Currently the account on my credit report also indicates a past due balance of {$6300.00} despite the fact that I have resolved and paid the full amount all involved parties agree to. 

I am requesting that XXXX XXXX remove the account in totality from my credit report with all three crediting reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On a monthly basis, I make a {$1000.00} mobile deposit from my XXXX Checking Acct. into my TD Checking Acct. XXXX for the sole purpose of making an internal transfer payment to my TD HELOC Acct. XXXX. This transactional activity is the only activity in my TD Checking account. The account is not used for any other purpose. This can be corroborated by reviewing all account statements since opening my TD accounts.

Historically, funds have been made available to me " next day '' upon which I make an internal payment to my TD HELOC Acct. On XX/XX/2018, I made a {$1000.00} mobile deposit as described above. The funds have been Debited at XXXX and still being held by TD Bank. After calling TD Bank for clarity, I was told a 6 Day hold was placed on these funds for fraud concerns. At NO POINT has anyone from TD Bank contacted me to raise this concern or inform me of the extended hold. 

As a result, I now risk a late payment being made to my TD HELOC account, something I have NEVER experienced with any debtor at any point in my financial history. Consequences of a late payment may result in my TD HELOC interest rate being raised. 

I am concerned that TD Bank is utilizing a 6 Day hold on my mobile deposit in order to prevent me from making an on-time payment and in turn increase my TD HELOC interest rate. I feel taken advantage of and don't appreciate that I need to go to a physical TD Branch in order to resolve this issue. This is unacceptable. Deliberately making it difficult for a customer to make a payment ( as I have done consistently without issue or change in variables ) is in my opinion, manipulative and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Every month my federal student loan payment is automatically deducted from my account. My XX/XX/XXXX payment was deducted and I noticed the amount was higher than before. I compared my XX/XX/2017 statement to XX/XX/2017 and noticed the interest rates were different ; higher XX/XX/XXXX. I never received a notice from Navient that the interest rate or the amount would change. These are the loans from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
1 ) Sold our home at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX onXX/XX/2019 Regions Bank provided a XXXX balance letter in support of closing and then standard paperwork was sent to Regions Bank to close the HELOC. Regions failed to close the HELOC per standard industry procedure. 
2 ) In XX/XX/2019, an automated system within the loan department at Regions Bank charged the still open HELOC {$9100.00} for Hazard/Property Insurance on the property sold in XX/XX/2019. This charged was reversed the same day.

3 ) On XX/XX/2019, Regions charged the still open HELOC with a {$9200.00} and labelled it a Customer Service Adjustment.

4 ) In early XX/XX/2019, I spoke with a person in Regions loan department. They stated they had not received the documentation of sale and gave me a fax # to send it to. We complied that day. They still have not closed the HELOC and interest is accruing. 
5 ) On XX/XX/XXXX, I discovered the HELOC was still linked to our checking account for Overdraft Protection. While traveling overseas, I had mistimed a deposit of funds and credit card payment. XXXX Bank was alerted that the payment would be returned and to resend. Regions Overdraft Protection kicked in  the next day. It was repaid that day. 
6 ) Transaction Details Below. 
POSTING TRAN TRANSACTION REFERENCE AMOUNT DATE DATE DESCRIPTION NUMBER XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXX XX/XX/19 XX/XX/19 HAZARD INSURANCE PLACED {$9200.00} CR XX/XX/19 XX/XX/19 PRINCIPAL ADJ DR {$9200.00} XX/XX/19 XX/XX/19 ADJ - L/C {$87.00} XX/XX/19 XX/XX/19 ADJ - PRIN {$100.00} CR XX/XX/19 XX/XX/19 ADJ - INT {$17.00} XX/XX/19 XX/XX/19CUSTOMER SERVICE ADJUSTMENT {$9200.00} XX/XX/19 XX/XX/19 ADJ - L/C {$87.00} XX/XX/19 XX/XX/19 ADJ - INT {$87.00} XX/XX/19 XX/XX/19 INTEREST CHARGE {$41.00} INTEREST CHARGE ON CASH ADVANCES The local branch has no authority to help in this matter as a the account in controlled within the loan department. I am retaining counsel but want the public to know that there is either a serious software issue within Regions, or outright fraud being perpetrated by internal employees.

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 2018-09-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/18 - " Bank Originated entry reversal of provisional credit Case XXXX on XX/XX/18 for {$1500.00} '' I woke up to my account being almost XXXX dollars in the negative. There reversing a credit from five months ago. That claim was closed for months. This is totally wrong.

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 2019-07-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding/XXXX per XXXX credit report XX/XX/XXXX Midland funding est fall off date XX/XX/XXXX looking at XXXX XXXX, midland funding was removed from credit report XX/XX/XXXX new XXXX XXXX report XX/XX/XXXX ; midland funding was placed back on and new est fall off date XX/XX/XXXX 1-why was it put back on after it was removed 2-why is the fall off date changed to XX/XX/XXXX from XX/XX/XXXX 3-date of last payment with original creditor XXXX XXXX XXXXl XX/XX/XXXX per credit report ( XX/XX/XXXX was 30 days late and account never brought up to date. XXXX XXXX shows last payment XX/XX/XXXX but delinquency date of 120 days was XX/XX/XXXX. XXXX XXXX already removed from all three credit reports. 
4-SOL for PA is 4 years and previously midland already advised in writing they can not sue me! 
5-why did date change and put back on credit report after it was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I became a victim of identity theft in XX/XX/2021. When I became aware of this, I filed a police report, locked down my credit report and posted fraud alerts to the main credit reporting agencies as recommended. In XX/XX/2021, I received a box of checks in the mail from TD Bank. I immediately contacted the bank to let them know I had not opened the account and request the account be closed. However, TD Bank had processed a fraudulent check for the account it now had a negative balance. I have spoken on the phone to both TD Bank 's customer service and fraud department. Neither are will to address the issue. They stated that I will have to wait for it to go to collections where the debt can be written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shame on cfpb you did n't do anything monster SLS will Auctiin my home they never tryed to work out anything without attempts to help they sent my account to collection and they gave us 30 days to either pay {$XXXX} XXXX or they will Auction our home this is a shame embarrassment my husband was laid off ghen government shut down his school the stress put his health in great danger and myself i was diagnost with XXXX XXXX what 's going to happen to my XXXX with everything keeps happening all I need is to become home less we are waiting for his social security to come through government casss takes time XXXX SLS did n't do anything so many program they Justi want to take our home.
So when some one put in a difficult times or put on financial difficulty which caused by employer fact is there is no help government do n't care and all of these bank regulation and programs for mortgage assistance are just a joke I need help now Monster SLS is selling my home i need 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 explanation
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
After the Equifax data breach the company offered protective services via TrusdtedID. I 've contacted both companies to have the Equifax-sponsored services by TrustedID stopped, to no avail. Please have them remove my information from their files and disenroll me from all of TrustedID services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: ROYAL UNITED MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a refinance, loan with Royal United in XXXX and went through the whole process. paid an appraiser sent by and picked by the company that cost us {$440.00} on a credit card that we did not have to spend. we were assured the loan would go through and simple as long as house passed appraisal. We were denied because the mortgage company said when we refinanced in XXXX with another lender they added him to the loan and not the deed. So we were denied and out the money that put us further in debt. My husband was sick and in and out of the hospital. he XXXX XXXX in XXXX. I had a supervisor call still trying to get this loan approved. I told him my husband passed away and we did not need to go forward. Royal United just sent me a new email still checking our credit and trying to push this loan through. I sent them two more emails asking them to stop trying to get me a loan I did not want. I was upset with the company for not explaining all up front and telling us we could lose the appraisal money if we were not approved. this whole situation added and caused undo stress we did not need.

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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I disputed terms on my credit and inquires that they so. Call said i had a freeze on my credit so my credit shouldnt got ran until they spoken with me first before they run my credit

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 2019-01-31
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:
In XXXX i sent equifax a letter from XXXX XXXX that they were deleted account off my file, its been off for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX its appears back on my file dropping my score 50 points, this is the third time equifax have place this back on my file since XXXX XXXX took it off, and they blames the company that they reported it, i talk to XXXX the owner and he stated that he did not report it and that equifax is not telling the truth, so he said he will Remove it again, but its a shame how equifax place things back on people credit dumping they score, its depressing and down right illegal, can something please be done, by governor equifax for doing such thing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
**This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Khols called my mothers work. She isnt a co-signer and has nothing to do with my account. They also call at least 15 times a day. They call on weekends, before XXXX everyday and sometimes as late as XXXX at night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-24
Company: EQUIFAX, 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:
I have been disputing the consumer credit reporting agency, Equifax for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to XXXX. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that XXXX added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My last certified letter that I sent XXXX was on XXXX XXXX 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
I also sent a request to remove addresses that did n't belong to me and update my current address. As well as removal of the inquires that I did not authorize : XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation