BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
As per written contract TD Auto has 10 business days after paying off the loan in full to send request to remove lien to NYS DMV. It has not been done and numerous customer services and supervisor XXXX XXXX said they dont know when it will be done and they dont follow written contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This letter is to inform you that XXXX, XXXX and Transunion have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX XXXX X/X/16 XXXX XXXX XX/XX/16 XXXX XXXX XX/X/16 * XXXX XXXX X/XX/16 XXXX X/XX/16 * XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX X/XX/16 * XXXX X/X/16 XXXX XXXX X/XX/16 * XXXX * XXXX XXXX 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 explanation
Consumer complaint received 2019-08-03
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX  of 2019, I contacted mortgage company named Movement Mortgage head quarter located in XXXX, NC for refinancing my primary residence located at XXXX XXXX XXXX XXXX va XXXX.  The company loan officer first asked me to hire a lawyer to redo the deed adding my name to the title.  My wife and I have been married for over 25 years.  Then, I was asked to pay $XXXX for appraisal. $XXXX for CPA letter.   After almost 3 months tirelessly trying to satisfy the daily request for documents coming from the bank requests from  the loan officer, processor and assistant, I was advised that the my loan got rejected.  After 30 days following my application, the underwriter kicked me out of 1 program putting me on higher interest program.  About 90 days later, the loan officer told me my loan got rejected.  No written explanation was given.  I have suffered great deal of mental distress and financial loss as a result of this company underwriter’s incompetence, unethical and discrimination practice.  I ask you help me to reach out to this company to address issues.  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I instructed my bank, XXXX XXXX XXXXXXXX XXXX to send via on line banking a payment to my XXXX XXXX XXXX credit card account in the amount of {$64.00}. I made the error of sending my payment to a CLOSED account at XXXX XXXX. In XX/XX/XXXX XXXX XXXX supplied the credit resources for XXXX XXXX XXXX cardholders. Since that time, XXXX XXXX XXXX  services XXXX XXXX XXXX cardholders. I did not realize the billing information and account numbers changed. This was my human error. 

XXXX XXXX received my payment and took my money even though there was no way to credit any account at XXXXXXXX XXXX because I am not an account holder there. My money should have immediately been returned to my account at XXXX XXXX XXXXXXXX XXXX given there was no way to credit any account at this bank on my behalf. Their service center is saying that payment was never received. Attached is the proof their bank got my money. I would appreciate your involvement in returning my money to me immediately. My money should never have gone into the coffers of XXXX XXXX. 

Attached is a copy of supporting documentation proving delivery of funds that was sent from XXXX XXXX XXXX via fax to XXXX to XXXX who clearly communicated yesterday that she would call to confirm receipt of this document. Still waiting to hear from her. I am sure since I received this documentation, she too must have it and my request has gone into a black hole. 

Apparently, XXXX XXXX, is the only person at this bank that has email accessibility via the web which is also proved to be bogus. Only the Office of Thrift Supervision Department of the Treasury ( OTS ) was able so supply me with a valid phone number to reach her. Only after speaking with XXXX @ XXXX, was I able to get a valid email address. Everything about communicating with this bank listed on the web is false. 

Because of the above situation, neglect, lack of contact and blatantly stealing my money that does not belong to them, I am submitting this complaint to www.consumerfinance.gov to report this incident to the Consumer Finance Protection Bureau. 

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 explanation
Consumer complaint received 2017-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date opened :XX/XX/XXXX Date reported : XX/XX/XXXX Delinquency first reported XX/XX/XXXX Amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: CT
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 and Equifax refuse to update my XXXX XXXX account in litigation after submitting court documentation to both agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2019 : Balance paid-in-full. 
XX/XX/2019 : In Great Standing XX/XX/2019 : XXXX balance XX/XX/2019 the account showing balance of {$570.00} XX/XX/XXXX : All Credit Reproting Agencies need to update my credit report to show XXXX balance = XXXX ; paid in full ; in good standing. Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Friday, XX/XX/XXXX at approximately XXXX EST, I got e-mail alerts stating that three transactions were placed against a PayPal-issued debit card. These transactions authorized bill payments towards XXXX XXXX XXXX ( I am a XXXX customer ), for amounts totaling XXXX, XXXX, and XXXX. I immediately called PayPal 's customer service department to report this fraud, and after being placed on-hold for THREE HOURS, I finally was able to reach a person who could directly work with my debit card account. The card was closed, and they said they placed a fraud alert on my account. However, I did not receive any follow-up e-mails or notifications - as promised - that they were actively investigating the fraud that occurred against my account. After not receiving any correspondence, on Monday, XX/XX/XXXX, I submitted a fax to PayPal 's fraud department detailing the incident as well. ( I also tried contacting PayPal through social media on Friday, XX/XX/XXXX to urgently get a hold of someone with no success ). 

Also on Friday, XX/XX/XXXX ( while on hold with PayPal ), I was able to file an incident report with my local police department in State College, PA reporting the theft. As my PayPal account is linked to my credit union checking account, I faxed a fraud alert to them on Sunday, XX/XX/XXXX. My credit union got a hold of me on Monday and issued stop payments to PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09
Company: EQUIFAX, 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 denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
As opposed to deleting tax lien from my credit file as unverifiable. TransUnion marked the debt as paid, in order to keep an unverified tax lien on 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 2019-10-18
Company: LEXISNEXIS
State: DE
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 CALLED LEXISNEXIS YESTERDAY AND ASKED IF MY ACCOUNT WAS FROZEN BUT IT IS NOT AND THEY HAVE REPORTED INSUFFICIENT INFORMATION. SUCH AS INCOME INSUFFICIENT TO MEET CREDIT OBLIGATION AND RISK VIEW SCORE AND TWO SOCIAL SECURITY NUMBERS, TWO DIFFERENT ADDRESSES AND DIFFERENT NAMES ON CREDIT REPORT AND ALSO BANKRUPKCY. WHEN ASKED ABOUT THEIR METHOD OF VERIFICATION WAS IN FACT FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: CT
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:
Experian and XXXX refuse to update my XXXX XXXX account in litigation after submitting court documentation to both agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: STERLING JEWELERS, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kay Jewelers reflects I opened an account o n  XX/XX/XXXX  which is not true. I have contacted them numerous times over the past 5 years. They have failed to act and state I owe them {$1000.00} which is simply untrue. I have called them well over 30 times this year alone and countless times years past. I have sent them faxes, emails, and letters to have this issue resolved. The latest set of letters were sent in  XX/XX/XXXX ,  XX/XX/XXXX and  XX/XX/XXXX . Kay Jewelers which parent com pany is  Sterling Jewelry  have failed to operate in good faith when someone who was obviously a victim of identity theft notifies them of such and tries to have said theft removed from their credit 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 2017-11-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Loan Servicing counsel XXXX XXXX responded to my consumer complaints on, XXXX XXXX, 2017. XXXX XXXX is requesting I direct all further communication directly to his office. Ocwen Loan Servicing, its employee XXXX XXXX, its everyday harrassing threatening phone calls I had to put up for years, the slander of title which is over the top, all the thousands of dollars I had to pay out of my pocket to stop Ocwen from continuing its abusive servicing pratices, all the lies I had to hear out of Ocwens mouth, Ocwen employee failing to correct its errors and all the other screwed up mess because she is trained to coverup the mess. Dont tell me to direct all further communication directly to your office when you have assisted Ocwen with its abusive servicing pratices harassing me threatened me with the loss of my home in 48 hours if I dont sign increased none negotiable loan modification with increased outrageous balloon payment that I never applied for and that could not even afford to avoid fraudulent XXXX Trustee Sale in 48 hours. The many years I put up with all of this has caused me serious health damage which landed me hospitalized on medication which dragged in several doctors who questioned me who was harassing me. Ocwen has screwed up my credit. I have no savings left because Ocwen stole all of my money. Ocwen has made a disaster out of my life. I have suffered years of abusive servicing practices and years of harassment threats of the loss of my home using cozy relationship with XXXX. The damage is extreme. Thanks to all of my doctors who care I am now bringing all of you to justice. You and you clients are nothing but a bunch of liars who are out to harm me and embezzle my property to maximize revenue ave fill you own pockets with cash. That is the truth!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
my wallet was lost with all of my personal information in it and never found and now I have accounts on my credit report I never applied for, also some inquires, I need them to be remove immediately XXXX XXXX XXXX XXXX ( closed account ) XXXX TRANSUNION XXXX inquire ) XXXX  XXXX XXXX XXXXTRANSUNION ( XXXX ) XXXX  ( Hotel and travel ) - TRANSUNION ( inquire )

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 2019-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.

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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.

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 2021-10-13
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX5 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
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:
A LOAN WAS OPENED IN MY NAME AROUND XX/XX/2019 FOR {$20000.00}. 

ACCOUNT NUMBER XXXX I FIRST OUT ABOUT THE FRAUD AROUND XX/XX/2019 AND PROCEEDED TO FILE A REPORT WITH THE FTC FOR IDENTITY THEFT. 

I MAILED A DISPUTE LETTER TO XXXX XXXX ON XX/XX/XXXX REQUESTING TO CLOSE THE UNAUTHORIZED ACCOUNT AND TO TAKE STEPS TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE. I PROVIDED A COPY OF THE IDENTITY THEFT REPORT, PROOF OF IDENTITY AND A NOTICE TO FURNISHERS OF INFORMATION. 

THIS WAS SENT BY CERTIFIED MAIL, TRACKING NUMBER XXXX AND RECEIVED XX/XX/2019. TO DATE THERE HAS BEEN NO RESPONSE FROM XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have made several attempts to get resolution since XXXX to current. No matter what the companies name was at the time XXXX XXXX, XXXX XXXX XXXX, Conserve, Ombudsman, etc No avail EVER.
<P/>
My wages and Taxes are being garnished, I really do n't understand why both are being taken I have asked that multiple times. I still do n't have an answer to why the last payment arrangement XX/XX/XXXX with Concerve ( ph # XXXX XXXX XXXX XXXX ) that was set up and money was withdrawn from my account ceased.
<P/>
XXXX Ombudsman had someone name XXXX XXXX assisting me at one time I was told yes I have a case XXXX had made contact with a supervisor of the collector at the time. I kept writing and requesting a hearing to stop pay/tax garnishments and to also request to only contact me at XXXX XXXX XXXX ONLY. ( never happen ). The alleged hearing was pending and no more information after that. Another garnishment.
<P/>
I have made several complaints / request for assistance thru Ombudsman to no avail. I receive a generic letter stating issues were resolved however, they were never properly looked into.
<P/>
I contacted Ombudsman on another occasion to request a different investigator whom also did not assist me.
<P/>
My Recent attempts was on XX/XX/XXXX. I called XXXX XXXX XXXX I was advised as long as I pay I would receive over {$1100.00} off of my debt. I called XX/XX/XXXX spoke with someone name XXXX ID # XXXX when I asked about the {$1100.00} the line was disconnected. I called about got another XXXX the line was dropped again.
<P/>
I have a garnishment which has already caused a financial strain on my household. I can not borrow another {$1.00} from anyone. I am being over charged with these garnishments. I can not afford my household expenses ( food, bills, Car Note ) and everything is behind and past due.
<P/>
I have requested my payment be lowered to {$100.00} bi-weekly. I am not getting assistance from anywhere.
<P/>
I would like to know whom the regulators are.

Company response to consumer: Closed with explanation