BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I did a dispute with transunion on a creditor name XXXX XXXX. After the investigation was completed i received a response from Transunion that it was deleted from my credit report on XX/XX/2019. However Transunion has allowed XXXX XXXX to the same accounts back on my credit report without following the proper steps by Fdcpa & FCRA .I never received a reinsertion letter about XXXX XXXX being reported on my Creditor Report prior to it being reinserted by the creditor nor Transunion . This is a direct Violation and it has damaged my credit report and affected my ability to get credit. I also have a letter from The Supreme Court Of New York State index # XXXX Notice Of Discontinuance XX/XX/2019 from the plaintiff XXXX XXXX XXXX XXXX XXXX. XXXX XXXX .I am holding Transunion responsible for what has taken place and how I have been afffected as well as I am holding XXXX XXXX accountable. I have spoken to XXXX XXXX and they said they are not removing nothing off my credit report. We have been arguing back and fourth I have no business with these people and Transunion verified it but will keep reinserting on my credit report damaging it.

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX account number XXXX**** they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Transunion has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.

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 2021-08-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2021-08-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 my annual mortgage escrow review was completed and mailed. I received the escrow review in the mail on Monday, XX/XX/XXXX. 

Upon review, the escrow review showed that I owed in excess of {$23000.00} for flood insurance. This review included flood insurance on my condo which is covered by my buildings HOA. It is not an escrowing account. Upon seeing this error I contacted my mortgage servicer, NewRez. 

On XX/XX/XXXX, on the phone with NewRez, I was brought into a conference call with two agents, one from the insurance department and one from the billing department. Both stated that it was a clear error on the escrow review and that the review would be corrected. They instructed me to call back to check on the status later in the week and that the review would be corrected, at the latest, by Monday, XX/XX/XXXX. 

As instructed, I contacted NewRez on Thursday, XX/XX/XXXX. An agent told me that she saw that it was on a workers docket and was on track to be completed by Monday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX I called NewRez after my online account was not updated. I spoke with one agent who hung up on me. I then called back and spoke with another agent who informed me that all of the previous agents were misinformed and it would take up to a month to get a escrow review corrected. I stated that a payment was due on XX/XX/XXXX and she stated that hopefully it would be done by then. She then stated that there was nothing that she could do and when I asked to speak with a supervisor she said none were available. She then told me to file a dispute and formal complaint with NewRez and walked me through the steps in doing so. She said if I did this, a supervisor would be in touch the next day. 

On Tuesday, XX/XX/XXXX I have yet to hear from NewRez and no changes have been made to my account. It is both disheartening and disenfranchising that a simple correction has taken so long and I can not get in touch with any supervisor from NewRez.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The creditors were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an ad for a capital one credit card and in the top left it says no credit score needed to apply so I figured it was no risk to apply. When I did it, I got notice that it was a hard inquiry. I would not have done it if the advertisement said no credit score needed. This is dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from FedLoan Servicing via email stating that my application for PSLF had been denied because I have not made 120 qualifying payments. According to my records I have made 120 payments. I consolidated my student loans to a Direct Student Loan under Income Based Repayment in XX/XX/XXXX. I have worked for my current employer, XXXX XXXX XXXX, as a XXXX XXXX XXXX  since XX/XX/XXXX. I submitted numerous employer certification forms between XX/XX/XXXX andXX/XX/XXXX and was confident that I had the correct type of loan for PSLF and was working for an eligible employer. During the 10 year period my loan servicer changed from US Department of Education AFSA to XXXX XXXX XXXX XXXX XXXX. Recently my loan was purchased back by FedLoan Servicing at my request because I was nearing the 120 payment goal. Between XX/XX/XXXXand XX/XX/XXXX there were several years during which my expected payment amount under the Income Based Repayment Plan was $XXXX per month. Per the PSLF guidelines, $XXXX payments count toward PSLF. I am able to access records from XXXX that demonstrate my compliance with repayment terms from XX/XX/XXXX through XX/XX/XXXX. I also have documentation of my payments made to FedLoan Servicing from XX/XX/XXXX through XX/XX/XXXX. I am unable to access my loan information from XX/XX/XXXX through XX/XX/XXXX because my servicer during that time, US Department of Education AFSA, no longer exists. Despite my understanding that FedLoan Servicing has access to my entire loan history, they don't seem to be able to find it. I don't know what to do now?! But I'll tell you what I'm NOT going to do; sit around and wait! I will call FedLoan Servicing every single day. I will call XXXX to get as many records from them that I can. I will call my congressmen. I will call or email absolutely everyone I can think of who might be able to help me. I am hoping CFPB might help me. When I first learned of PSLF I thought it was a dream come true! It has turned into a nightmare!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On the XX/XX/XXXX stating that I owed a debt. I followed up by certified mail signed by XXXX XXXX asking them to validate this debt. I then received another letter from them without any validation. I received many threatening phone calls. Then on XX/XX/2020 I receive documentation that I was being taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery buys old debts especially ones that are past the 7 yr. Statue of limitations On the Fair credit reporting act. They are illegally misrepresenting the original opening date of a XXXX credit card from XXXX & reporting the date of when they purchased the debt In XXXX. I have disputed numerous times with a request for proof of original creditor giving Portfolio Recovery authorization to collect debt of account plus all info from original creditor with billing copies with no results. Ignored everytime. No contact by mail or emails or phone. dispute remarks never reflect issue. Just says consumer disagrees. I have never received any bill from Portfolio Recovery by phone, mail, email, or registered letter of their intentmto collect. They have failed numerous requests to provide original creditor info or change opening date, violating Fair credit reporting act. I want complete removal of Portfolio Recovery collection from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On or about XXXX XX/XX/2020, I filed a CFPB complaint # XXXX against HSBC Bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I was trying to open " No borders checking account '' at HSBC online with a promotion. I got a lot of tough time. Twice my application was rejected. I reached out to the customer service via chat - got different reasons every time ( essentially which means nobody knows the truth or telling the truth ). Each chat was for 45 minutes each. Finally i was asked to give a call to the online account opening team at XXXX. I called them at around XXXX XXXX  and talked to XXXX. She also trying to transfer me to somebody else - phone banking. Nobody at HSBC knows what they are talking about and simply not helping the customer. This bank should be asked to close out it's operation and go out of USA. It is not allowing US citizens to open the account. Application declined Application ID : XXXX Application declined Application ID : XXXX In the past - this online application was stating that i am not eligible for this offer. Both the chat persons confirmed this. Some or the other way HSBC causes issues for the customers.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC blamed XXXX XXXX XXXX for this issue. I created another CFPB complaint against XXXX ( # XXXX ). XXXX responded that they couldn't find any such things what HSBC is talking about.

On what basis HSBC stated all that - was it some cover up?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company originally told me of a bill in XXXX. At this point I paid over the phone with my account information. I provided number by number my routing and checking account number. The agent over the phone processed the payment. 2 weeks later they call me saying it is incorrect. I gave them the information again. They charged me for it being late which I disagreed with since it was not my error. I said I would pay it. They called me for a third time saying there was a problem. I again supplied them with the information. The person on the other end was incorrectly writing the routing number down. They reported me late for 3 months for a problem that was not mine. I made attempts every single time to pay and they had a mistaken number. On XX/XX/2020 I found out that the credit reporting had been negatively effecting my credit for something I tried to pay numerously. The agent on the phone informed me that the 2 people before never fixed the routing number. These reported late payment and non payments or completely inaccurate and their fault for not correcting the information the 3 times I called. Ive never missed a payment my entire adult life and this mistake has costed my credit hundreds of points and it prohibiting me from closing on a house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-18
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was inquired multiple times by the same company in matter of days. Please remove XXXX XXXX XXXXDate Inquired: XX/XX/2019XXXX XXXX (XXXX)XXXX XXXX XXXXXXXX XXXX, CA XXXX(XXXX) XXXXXXXX XXXX XXXXDate Inquired: XX/XX/2019TXXXX XXXX (XXXX)XXXX XXXX XXXXXXXX XXXX, CA XXXX(XXXX) XXXX XXXX XXXX XXXXDate Inquired: XX/XX/2019XXXX XXXX  (XXXX)XXXX XXXX XXXXXXXX XXXX, CA 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 2020-10-24
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RoundPoint Mortgage is Inaccurately showing no data on payments made on time all through the year of XXXX. We made our payments on time since we closed on our home on XX/XX/XXXX and data is available to reflect that we made our payments on time in XXXX. We did not request a Payment Plan until XXXX XXXX and this was paid on time as well. 

We are requesting that our payments be updated for XXXX, as they were timely made to RoundPoint Mortgage.

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 2020-07-29
Company: Aspen Yo LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint over the same issue. My loan was transferred from XXXX to Gregory Funding. At the time of transfer I was in the last month of my loan modification trial period. XXXX assured me the Gregory Funding was legally bound to honor my modification terms. I have made all payments on time yet Gregory Funding still has not created a loan modification and are now sending me letters with late fees. This is mortgage fraud and I want them investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: MONEY SOURCE, INC., THE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home mortgage with XXXX XXXX  XXXX, and my new loan funded on XX/XX/XXXX. I called my new servicer, The Money Source, Inc. ( TMS ) on XX/XX/XXXX, and asked that my property taxes ( $ XXXXmo ) be removed from my monthly payments, and to have my escrow account balance ( {$380.00} ) refunded to me. My property taxes are the only item going into the escrow account, and I want to pay them directly myself. TMS told me that it would take XXXX business days to complete my request. When nothing happened, I called TMS again on XX/XX/XXXX, and they told me that my request was in process, and would take another 24/48 hours to complete. Today is XX/XX/XXXX, the request remains unfulfilled, and I have not heard from TMS since calling them on XX/XX/XXXX. I am submitting this complaint because at this point, I am doubtful that they are actually processing my request. I am attaching the monthly billing statement I currently see when I log into my TMS account, confirming that my request has still not been processed. 

In summary : I would like property taxes ( $ XXXX ) removed from my monthly payment, and I would like the balance of my escrow account ( {$380.00} ) refunded to me. My current monthly payment is {$1500.00}, and my new monthly payment ( due XXXX ) should be {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello. This complaint is very simple in nature. I am filing a complaint against Enhanced Recovery Corporation as well as XXXX and XXXX XXXX. The reason being I have disputed an account on my credit report to the credit bureaus in question as well as directly to the creditor. I submitted these notices on the XXXX of XXXX this year. It is my understanding these companies have 30 days from receipt of my notice to provide me with investigation results. The collector is also supposed to provide me with itemization within 30 days of my request to prove the validity of this debt. I have not received either. 

Just to make things very clear, I am not an unreasonable person. Clearly things are a little delayed due to COVID-19, but that does not excuse these companies from doing their job altogether. Even if the mail was a little delayed in arriving to these companies, There has been more than ample time and opportunity for these companies to begin an investigation. Not only did I not receive any notices with investigation results, I have reviewed XXXX XXXX  and an XXXX  report as of today, and there is no note on the Enhanced Recovery collection account that any investigation or dispute is even taking place! Please know that I am very diligent when it comes to researching so I was able to obtain a valid address for XXXX XXXX and submitted my request to them via mail to XXXX XXXX. XXXX XXXX  XXXX, PA XXXX. I also sent a notice to XXXX  at XXXX  XXXX. XXXX XXXX XXXX, TX XXXX. I also sent a notice to Enhanced Recovery Collections at XXXX XXXX XXXX, XXXX, FL XXXX. NONE OF THESE COMPANIES HAVE RESPONDED IN ANY WAY! 

At this point I need this collection to be removed from my credit report. Even if this was a legitimate collection, these companies have not adhered to the Fair Credit Reporting Act or the Fair Debt Collection Practices Act respectively. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation