BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: TCF NATIONAL BANK
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I initially filed a complaint with consumerfinance.govXXXX and following this TCF/Chemical Bank did close my loan on XX/XX/XXXX, but did not refund the overpayment or reach out to me with any type of communication. I sent a follow up email to customer service at TCF Bank : '' I am writing to bring your attention to an outstanding credit on this account that is still due. This property was sold on XX/XX/2020 and the payoff check was cashed by TCF bank on XX/XX/2020. 
I have reached out to TCF customer service multiple times and although no formal response was ever provided, the loan was finally closed with posting of at least a portion of the payoff check on XX/XX/2020. 
After the loan was closed, my TCF account shows a reversal of the previous mortgage payment + extra principal payment from XX/XX/2020, however, to date this reversal has not been credited to my bank account. 
As the attached ledger of my account and posted ledger of both my TCF account and bank account clearly show, TCF Bank still owes me {$1400.00} Im not sure if it is still possible to credit the {$700.00} to my XXXX account but as it has been over a month since the sale of the property and over 10 days since TCF Bank closed my loan, I am asking for your immediate attention to this matter. Please send a check for the outstanding balance {$1400.00}. If I dont receive clear evidence that the credit due has been sent to me by XX/XX/2020, I will follow up with a new complaint to the Consumer Financial Protection Bureau. Thank you in advance for your immediate attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Cell : XXXX '' I also attached both my TCF loan status and my own checking account status showing that my last payment had not been credited back as indicated on the TCF status. It has been a long time since I paid off this loan and at this point I am asking for your help in reaching out to TCF/Chemical bank to immediately send me a refund for {$1400.00}, the amount I have overpayed to close this loan. Thank you in advance for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
CREDIT COMPANY DROPPED MY CREDIT SCORE 77 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT. 

XXXX XXXX XXXX-listed as sent to another credior does not have updated information about account. account is not mine was sent back as verified without any verfication sent to me from transunion. it shows that i have 1 account in collection but does not show the one account listed. I have no collections at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted a complaint against my mortgage servicing company, # XXXX. They had attempted to raise my mortgage payments by claiming that my escrow account was low. After several months, numerous calls, filing multiple complaints and supplying additional paperwork to confirm that I was not required to pay monthly escrow for taxes or homeowners insurance, they finally acknowledged their error and ensured me that it had been corrected. In XXXX I attempted to pay my property taxes and discovered that the company again had submitted a payment causing my escrow escrow account to show a negative balance of {$2800.00}. This action was taken by the company after having been told numerous times that I pay the taxes directly and they were not to submit any payments on my behalf. I am in the process of refinancing my loan to take advantage of the lower rates, because of their careless and negligent actions there is a possibility that the new mortgage will have to be higher in order to pay this debt. I am retired and on a fixed income, I have been paying my taxes on a quarterly basis and that is what I have budgeted at this time. They paid the total amount which now shows that I owe 2x the amount of money that had been budgeted for this expense. On XX/XX/XXXX I contacted their customer service and spoke to an individual named XXXX XXXX. He identified himself as a supervisor and stated that he would address the issue. I had not heard back from him after 1 week and sent an e-mail to an individual named XXXX XXXX in the Compliance Department. Ms XXXX initially did not even acknowledge receipt of the complaint and did not respond until I sent a follow-up e-mail. She then sent an e-mail saying only she was looking into it, there was no information about when actions would be taken to correct their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is reporting a collection account for XXXX XXXX of XXXX CA. It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on 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 non-monetary relief
Consumer complaint received 2020-02-09
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:
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 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 2020-10-26
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX  and Frontline Asset are both contacting me regarding a debt that i di not owe. They have yet to show proof of my actually signature just a bill that supposedly is mine. In addition they sent me a bill with an address from New york never lived or was a resident of new york then a year later it shows a bill dated to my address. total incorrect, i believe this was identity fraud. i have sent numerous of certified letters stating that its not my debt and they have the wrong person. They have affected my credit report in addition this was on my credit before and then it was removed due to inaccuracies. They are looking for someone to pay this debt that is why they are bouncing it around to other collectors trying to make money off of me. I do not have a contract with them nor did i sign anything with my legit signature. they are not layers so the need to remove it and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX card was stole from XXXX in car thief called in stolen but they still sold debt to asset acceptence and now there filling wrong amount law suits. the amount was less then XXXX in XXXX. The law suit if for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: ID Analytics, Inc.
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, Sage Stream, XXXX   inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX. Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX,oh XXXX, XXXX XXXX XXXX XXXX,ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One auto loans website for payments seems to offer opportunities to make additional payments or payments well in advance of when they are due. In fact, when I try to make added payments on principle their system advises me my bank refused to authorize payment. That is a lie, they don't even ask my bank to make such payments. I have spent hours with their people trying to sort this out and have become convinced that they do not want earlier payoffs and the saving of interest from their customers. Their answer is to tell you can always call in the payment. This is both inconvenient and time consuming and I believe it is intended to prevent early payoffs. 

Reality is that making payments on low down payment loans likely keeps your equity below the value of the car. A borrower can never get ahead, even if they have the ability and desire to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I owe a fairly large amount of money to Navient but there aren't any issues with repayment, nor has there been an attempt to renegotiate any existing repayment options. Out of the blue today I've received a phone call from a " XXXX XXXX '' to inform me about the changes about to take effect and to call back to discuss renegotiating my repayment plan. 
Obviously this seems to be a scam and googling the number shows that " XXXX '' has been very active over the past few days. The call came from an " Unknown Number '' and left a XXXX number to call back including a 'case reference number ' ( that apparently everyone received that was called by this number [ XXXX ] ). 
This is the transcript : Yes this is XXXX XXXX I'm calling in reference to your federal student loan. I need to discuss your repayment options with the new changes that are taking effect. Be sure to give me a call at XXXX with your reference number of XXXX. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent XXXX rounds of dispute letters for unauthorized inquiries on my credit report. Never received a response back. These companies never looked into my dispute. 
Sent XXXX dispute letter out on XX/XX/21 and again on XX/XX/21 never received a response for either letter. And my disputes are not frivolous. I did attach my drivers license and social security card for verification still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase bank illegally closed my account and seized funds in the amount of {$3700.00}. They claim they are holding the funds indefinitely, because there is some kind of an investigation. 

They have provided no proof of investigation, they have not called me to ask me any questions, they are fraudulently holding my funds. I have repeatedly contacted them to request return of my funds with interest, they have refused. 

There is no investigation into anything, they are breaking the law and stealing money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is an unknown collection being reported by ERC XXXX. I am unaware of this company and have not been notified and/or informed as to what this collection is in relation to. I have no knowledge of any outstanding debt with ERC XXXX and have received no verification of any accounts for which I allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : KEYBRIDGE # XXXX To Whom it mayConcern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
FYI - THIS COMPLAINT IS SEPARATE & DIFFERENT FROM THE PREVIOUS COMPLAINT TODAY.., SO THERE IS NO EXTENSION OF TIME TO INVESTIGATE. THE CLAIM OF SUCH WILL PROVE TO BE A BLATANT VIOLATION OF FRCA RULES ... 

Equifax RE : # XXXX, states a fraud alert was added to my file that I NEVER requested. This violates the FCRA and my rights ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am Victim of identity fraud, i recently found out that someone has been trying to apply for credit card with my information and this lead to me having too many inquiries on my credit, Best-buy credit department decided to close my account that i have been having for over 5 years with good payment standing due to me having a lot of inquires on my account. i spoke to a young lady and she said there's nothing she can do even if i file a dispute, i will have to re apply for a new account, we all know how important credit age and history is on 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 2023-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account that is found to be opened due to identity theft. It appears that my credit with you has been compromised, this account being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The listed account that they must remove XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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 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 2023-02-28
Company: Experian Information Solutions Inc.
State: NV
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 Reporting Act XXXX  XXXX ( XXXX  XXXX, 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpos
e.

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 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent out the bankruptcy letter to TransUnion and XXXX to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted XXXX delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for XXXX told me on the XX/XX/XXXX they will delet public record never done 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 explanation
Consumer complaint received 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting negative information on my credit file. This account was sold to XXXX XXXX and they have ceased all collections activity and the collection account had been removed. XXXX XXXX continues to report the negative account. In addition I’ve received notification that the account had previously been removed from my credit file. As of today it is still reporting negatively. I am requesting for the account to be removed immediately. I have attached proof of the removal.

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