BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-30
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, we received notification by letter from TCF Bank, dated XX/XX/2021, that a temporary freeze had been placed on our existing HELOC line of credit, allegedly for the following reason : " The value of your dwelling has declined significantly below its appraised value. '' This determination and decision is alleged to have arisen due to the bank obtaining an " AVM '' of our home 's estimated value. 

We have made multiple good faith inquiries, beginning XX/XX/2021, and continuing, including requests to provide the underlying documentation for this decision, as well as our request to immediately reinstate our line of credit. We included in these contact submissions of estimations of our home 's value from public independent third-party vendors, which serve to refute TCF 's claims. Their allegation of decreased value is simply not supported by the facts available to us. Any facts in their possession, if any, are inexplicably being withheld - perhaps unlawfully. 

Our account has been in good standing since inception of our loan with TCF Bank, and continuing. We did receive a response from XXXX XXXX, AVP, Underwriting Manager on XX/XX/2021. However, his request for additional irrelevant documentation concerning our senior mortgage principal balance and reference to an alleged ongoing " investigation '' is illogical, intrusive and confusing, entirely missing the point of TCF 's assertion that our home value allegedly decreased significantly, which is the only subject at issue in this matter. We have significant concerns with respect to TCF 's apparent unethical business practices. 

It is our position that TCF is not acting in accordance with the principles of good faith and fair dealing, as required by virtue of our loan agreement with them. Further, we are of the opinion that both their determination and decision are incorrect and unsupported by the facts. The manner in which TCF is negligently or intentionally handling this entire matter from its decision to suspend our line of credit to its complete lack of meaningful response to our valid concerns and well-founded objections leads us to a reasonable conclusion that their actions are both arbitrary and capricious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2021-12-14
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called in on XXXX as instructed to schedule my Auto draft for XXXX payment as my forbarence was ending on XXXX. The rep at Shellpoint mortgage refused to except my conforming payment for the XXXX month as it needed 30 days to start the auto draft and instructed me to make the XXXX payment online. I did. I recieved a form letter confirming my payment was made and auto draft was in place with the wording If you wish to cancel THIS AUTOMATIC DRAFT SERVICE This confirmed my, based on the English language, that there was an auto draft payment plan in place. The XXXX payment wasnt drafted and when I returned to my primary residence on XXXX, I opened a delinquent letter for both of my mortgages that I have with Shellpoint, this calling immediately to make my payment for XXXX and XXXX and also being instructed now to set up auto payment online as they do not have the ability to do so for me. They would not remove the lates on record, but removed the late fees without asking as they said the letter was misleading. I also called in XXXX to verify the auto payment was set up. Additionally, I asked the rep to sign me up for email statements as I was having my mail forwarded to my up north residence and was not getting my mail. Documented with the post office. They took down my email and said no problem. What they did was take down the wrong email address. I never received a XXXX or XXXX statement that would have should me the XXXX bill was due on both mortgages. When I verified my email, I found out they wrote the number 4 instead of for on my email address of XXXX. They said they corrected it. I called back on XX/XX/XXXX to verify as I still have not received a statement and they said they recorded it wrong again, this time with a four and again said they corrected it. I called back and they finally said it was correct, however they do not email statements, that electronic statements only means that you ca go online to their website and view your statement, however a notice not statement will not be sent when the new statement is ready. News to me. Also, they said the text msg alert that I set up doesnt alert me of a late payment. I feel they made my transition from Covid cares forbearance to making my payments very confusing, to the point that a responsible effort would be difficult to understand their process. I have never been late on anything is close to 30 years of credit history. This is very damaging and a manager will not even speak to me. I have filed 2 complaints, they have not responded with any mail nor email regarding my outcome. They said it was online and I can find the answer in the portal. This is inconsistent with federal requirements regarding refusal to accept payment with an error complaint of a mortgage serviced.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CREDITORS BUREAU USA XXXX Balance {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2019-09-20
Company: ENCORE CAPITAL GROUP 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 contacted Midland Funding today regarding the information they are reporting to my credit file. The representative stated that if it didn't belong to me over the phone that I could send them a dispute letter. I explained to him that I have disputed with the credit bureau before and all they have done is update with the bureaus that the debt was accurate. I requested they provide me with information regarding the account from the original creditor and he gave me a website to check which only details what they are suggesting I owe. I would like for this to be removed from my credit file as I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Navient Solutions, LLC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found XXXX  days late payment on the dates XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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've attempted to contact the reporting agency several times over the past year. XXXX XXXX XXXX has been incorrectly reporting a collection account and the agencies refuse to verify and validate the account.

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 2019-12-18
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:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found XXXX  days late payment on the dates XX/XX/XXXX, XX/XX/XXXX and XXXX  days late payment on the dates XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: SC
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 explanation
Consumer complaint received 2019-09-12
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Freanklin collection service trying to collect from me saying its debt owned to XXXX. ( I currently have XXXX services ). I called XXXX they said Im in good standing and dont owe them anything. Called Franklin collection and asked for more details on collection, they gave me XXXX account number. Called XXXX provided info and couldnt find any debt on my personal info nor with information given. XXXX advises me not to pay anything as I dont own any debt to them. Now Franklin has reported debt on my XXXX report 2 times in XXXX and 1 in XXXX ( which affect my score ) now I feel they I are just harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof XXXX oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts be deleted immediately XXXX XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX amount XXXX in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you 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 non-monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit act XXXX  Account # XXXX # XXXX XXXX XXXXXXXX, # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy, has violated my rights. 

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

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

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