BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I SENT A DISPUTE LETTER TO EXPERIAN ON XX/XX/XXXX ABOUT A BANKRUPTCY ON MY CREDIT REPORT. EXPERIAN PROVIDE A RESPONSE AND SAID THE BANKRUPTCY REPORT WAS VERIFY WITH XXXX XXXX AND THEY COULDN'T DELETED THE INFORMATION. EXPERIAN PROVIED FALSE VERIFY INFORMATION TO ME ON EXPERIAN REPORT NUMBER XXXX FOR XX/XX/2019 EXPERIAN REPORT NUMBER XXXX FOR XXXX AND REPORT NUMBER XXXX FOR XX/XX/2019. HOW DID EXPERIAN CONTACTED VENDOR NAME XXXX WHEN THE PUBLIC RECORD SOURCE FROM XXXX WAS DELETED FROM THERE INFORMATION SYSTEM AFTER A RE-INVESTIGATION AND MAIL ME OUT A LETTER ON XXXX XXXX. CASE NUMBER XXXX CONSUMER NUMBER XXXX FROM THE XXXX XXXX SYSTEM EXPERIAN NEVER VERIFY THE ACCURACY OF THE PUBLIC RECORD, INSTEAD THEY SENT A LETTER SAYING THAT IT COME BACK VERIFY.. THEN EXPERAIN SENT A LETTER TO ME SAYING THEY VERIFY THE INFORMATION WITH U.S BANKRUPTCY COURT CONFIRMED THE INFORMATION. HOW IS THIS SO WHEN I WAS SENT A LETTER IN THE MAIL FROM UNITED STATED BANKRUPTCY COURT ON XXXX XXXX. THE CLERK '' S OFFICE DOES NOT PROVIDE INFORMATION TO CREDIT REPORTING AGENCIES. I WILL UPLOAD A COPY OF THE LETTER, AGAIN EXPERIAN PROVIED FALSE INFORMATION TO ME.

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 2018-05-11
Company: MoneyLion Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I sent an email to the support department of moneylion requesting that I wanted to revoke my ach authorization for my account. On XX/XX/XXXX I received an email stating that the authorization for my loan amount would be revoked but my authorization for my membership would not be until I paid the loan off. I repeatedly asked them to revoke the authorization and each email they declined. I then called customer service and spoke to someone there and the rep there told me that they had taken the authorization off the loan and the membership. I then saw on my bank account a debit for the amount. I called moneylion back and spoke to a gentleman name XXXX and he informed me that they did not take it off for the membership agreement. I explained to him that my name was in the process of being taken off that bank account and that I was no longer going to be on that account and what they were doing was illegal and that they could not deny my request. He said that they could. That no law could stop them. I told him that its against the law to debit someones account for someone elses bills. I told him that I was in the process of obtaining another bank account and that I was wanting to pay my amount through a prepaid card. He told me that they don't allow that.

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 2018-05-11
Company: EQUIFAX, INC.
State: MD
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:
My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: BYL Collection Services
State: AZ
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:
BYL COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX, PA has reported a debt on my XXXX credit report. I have never heard of this company and they have never contacted me. I believe this is a fraudulent report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a permanent loan modification on XX/XX/2016 from Bayview Loan Servicing LLC. I made all the trial payments according to the requirements and signed a new loan contract with Bayview which detailed all the financial requirements of the new loan. All financials were provided and detailed and made available. I have been making on going on-time payments since that time. However, I recently received a statement requiring me to pay {$390.00} for a " Rec. Corp. Advance. '' I inquired about this fee and the agent said it was a bill that was due prior to the loan modification. Why was this not included, then, in my loan and made known to me then? I do not believe this bill is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: LendUp Loans LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2016, a check was sent to Lend Up ( dba Flurish , Inc. ) to pay off my installment loan taken out in XXXX 2016. The check was for approx {$300.00} more than was owed. Since then, I 've waited patiently for the refund of the overpayment. I have emailed their help desk and received canned responses with no concrete info given on the whereabouts of my refund. I 've also called twice and spoke to a manager who said within the next week, I 'd be receiving an email asking to have my address confirmed so they can make a check within the next 60 days. No email was ever received. That was 3 weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
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:
My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX I contacted Transworld Systems Inc. in reference to my student loan ( currently in default ) because I wasnt able to make my monthly payment due to being out of work on extended medical leave. My next payment was set for XX/XX/XXXX. I received a phone called from XXXX XXXX from Transworld Systems Inc. stating that my payment was due. After explaining to her that I had just gone back to work, was unable to make my payment and requesting an extension on my payment XXXX XXXX informed me that my settlement would be null and void. I asked her why the current settlement would be void if I was unable to make the payment? I then asked her if she could provide me with a copy of the agreement stating that if I missed a certain amount of payments the settlement would be voided. She said she could only provide documentation stating my monthly payment which is not what Im requesting. Im requesting something in writing from Transworld Systems inc stating the terms of the settlement agreement as well as the remaining amount that I owe and the number of payments Ive made thus far. If Transworld Systems inc is unable to provide me with any documentation how do I not know that the loan hasnt already been paid off as Ive been making payments in the amount of {$230.00} for over a year now. 
Furthermore, XXXX XXXX stated to me on the phone on XX/XX/XXXX that she personally allowed me to miss my last two payment as a favor. Now shes saying my settlement is void because I requested an arrangement due to my inability to make payments due to no income. 
After requesting the documentation XXXX XXXX placed me on hold then said she would call me back. 
I would also like to know why Transworld Systems inc has not been reporting my payments to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Since XX/XX/XXXX when I reported to HSBC that my account had been attacked by fraudulent activities, HSBC suspended and blocked my account, I could not access my HSBC saving, checking, credit and business accounts at all. But for next several months hacker ( maybe HSBC insiders ) did multiple illegal transactions from my account, also took cash advance from my HSBC credit card to my check then transfer out to unknown banks. HSBC did not recover from fraud, they simply did provisional and paid credit card plus interest. Then they took money from my account to return provisional. 

I filed complaint through CFPB 3 times. The last one was XX/XX/XXXX, ( case number is XXXX-XXXX ). Every time HSBC told government official they solved the problem, then CFPB closed my case. 

For more than half year, I have never received any direct contact from HSBC. I called and went to branches many times, they just do not help me at all. On XX/XX/XXXX HSBC XXXX branch manager hind from me for 5 hours, then called police to ask me leave, because they were closing. HSBC VP of customer relationship Ms. XXXX XXXX sent a letter to New York DFS. I received a copy from NY DFS, in the letter she even messed up my account number. She said, The remaining balance in your checking account ending in XXXX is {$1000.00} but in her attached the banking statements for DFS is ACCOUNT NUMBER XXXX. Obviously, she was lying to government officials, and NY DFS closed my case as you did. 

So far I have not recovered all my loss. 

In XX/XX/XXXX, I could not access my business account, I went HSBC XXXX XXXX branch. When the manager XXXX XXXX XXXX knew I had been abroad as XXXX XXXX he suggested me to open a premier account with credit account. He had all my personal information, then he left HSBC in XX/XX/XXXX without passing my document to new manager. So in XX/XX/XXXX, HSBC asked me to fill all the forms again. And assigned a new manager XXXX XXXX for me. Not long, XXXX left HSBC with all my personal information again. That premier account and credit account were the trouble accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Date : XXXX Someone, by the name of XXXX XXXX, hacked into my Regions on line bank account and using XXXX did 9 transferred out of my checking account totaling {$5000.00}. 

I discovered these transfers and immediately contacted Regions bank fraud department. 
Over the course of the last 3 weeks Regions told me my money would be refunded within 7-10 days. When that did not happen they told me the had to go to XXXX & it would be another 7-10 days.

On 2-9 I spoke with a Regions representative XXXX XXXX XXXX XXXX XXXX who told me that Regions believes I stole my own money because the IP address was the same as mine. I have checked w/ multiple folks that understand computers. They told me that IP addresses can be spoofed. 

I have never used XXXX in my life. I don't know who XXXX XXXX is and no one will help me at Regions. 

I am XXXX years old and that {$5000.00} is important to me.

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 2018-05-11
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was making monthly Student Loan payments ( to a now defunct XXXX University, XXXX XXXX ), after a forbearance period, when I had a XXXX XXXX ( XXXX ) in XX/XX/XXXX. The guidelines were made clear in the U.S. Department of Educations documents, even online, that such a Medical crisis is grounds to have a S. Loan " discharged. '' After supplying the proper Medical documentation ( s ), I received a XX/XX/XXXX letter stating my Discharge was Approved. Some time later I began getting phone messages from the same company ( Nelnet ), stating my previously discharged account was " reinstated, '' without explanation. I got a letter from them dated XX/XX/XXXX, I still possess. During that time I was maritally separated. We lost the home, etc. We filed bankruptcy and I've just discovered Nelnet is on the list of creditors to get a payment? I totally disagree with this payment so I contacted our Bankruptcy attorney. He stated Nelnet " is '' on the list, and may only get a minor amount of the funding. He totally ignored my initial complaint of them being on the list, at all. After an initial XXXX, a second one is much easier to suffer. Nelnet had no regards for my health with their letters, calls, threats, and demands. I feel something nefarious and illegal may be going on here, with Nelnet getting an " illegal '' cut of our Bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Dovenmuehle Mortgage, 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: Account status incorrect

Complaint:
My payment was returned due to a bank error concerning an extended hold on certified funds due to a system error. My bank ( XXXX ) has acknowledged this and refunded the fees associated with the mistake but I still incurred a late payment from my lender. This is unfair and not my fault. This needs to be corrected immediately. This has cause me great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
At the end of the month of XX/XX/2021, I received checks from TD bank for an account I did not open. i called their fraud department to make the report. 

I went to three different branches and was informed the account was opened online on XX/XX/2021, as of today the account is still open. I made a police report and in addition I sent TD bank a letter via first mail to report the fraud. 

There are credits for unemployment benefits deposited to the account and a payment to a TD bank credit was made from the account. 

I don't know why they have not taken the steps to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent dispute letters to XXXX, XXXX, and Transunion on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.

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 2019-09-09
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2018-06-15
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
First Continental and XXXXXXXX XXXX sold XXXX XXXX fraud, corrupted and scandal VA Loan to XXXX XXXX to collect and foreclose my home. 
In which on XX/XX/XXXX till present VA Loan is a fraud in which First Continental was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. 

First XXXX XXXX investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like XXXX XXXX. 

If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. 
XXXX XXXX, XXXX XXXX builders, First Continental Mortgage and now new Va lender XXXX XXXX XXXX are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. 
I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are currently trying to refinance with a lender ; however, per our Title pull, we have an existing outstanding mortgage on our home from XX/XX/XXXX from TCF Bank, ( which was a first mortgage from the purchase ) that was never recorded as being satisfied / paid off ( even though it we refinanced with another company in XXXX and our first mortgage was paid off via that refinance ). We faxed a loan satisfaction / release request on XX/XX/XXXX to TCF Bank, and since then this has not been satisfied. We have called TCF Bank every week since then ( sometimes several times a week ) to find out why this document hasn't been recorded yet with our County,  and they give a different story every time ( it's still processing, it's delayed, it's been satisfied / processed, it was sent to the County, it wasn't sent to the county yet, etc. ). Also, we can never speak with anyone but customer service, as they will never connect us to anyone in the loan / lien department there. We have been given the runaround for over 2 months now, and since then we have not only lost our loan rate lock ( which we paid over {$2500.00} for ), but also months of lost savings from not being able to refinance ( over {$500.00} a month for several months now ). TCF Bank refuses to send us the document directly so that we can bring it to the County for recording ourselves, and will not give us a straight answer as to why this has never been recorded with our county.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Real Time Group, Inc.
State: MO
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:
In XXXX, XXXX, the State of XXXX Department Of Revenue wrote to  XXXX requesting the title of the vehicle in question ( see attached ) be sent to XXXX Department Of Revenue so that the title could be perfected to a XXXX title from the original XXXX title. This is because I moved from XXXX to XXXX ( XXXX XXXX metro ). 

XXXX did not comply and in XXXX of XXXX transferred my account to Real Time Resolutions ( XXXX XXXX XXXX I ). 

Real Time Resolutions refuses to comply with the State Of XXXX  request as well as my many requests for them to forward the actual title to the State of XXXX. I am attempting to have this done so that I can obtain a XXXX registration. I have been unable to register my vehicle since XXXX, XXXX. 

I am requesting your assistance in notifying Real Time Resolutions ( XXXX XXXX XXXX I ) to comply with the XXXX  and my request to forward the title to XXXX Department of Revenue and once it is perfected, the document will be returned to RTR. 

Thank-you for your assistance. Please feel free to contact me at any time regarding this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I tried to solve this issue with Equifax in the past. Back on XX/XX/XXXX, they received a notice from me delivered via certified mail in which I reported that this account incurred in fraudulent charges. I also included FTC report attached. As of today they have failed to remove these fraudulent charges from my credit report. This is a violation under the FCRA. Account is the following : XXXX XXXX account # XXXX. Opened date : XX/XX/XXXX. Balance {$0.00}. Status : Closed. 

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act. 

Attached : - FTC Identity Theft Report - Letter sent to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation