BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I continue to receive written refinance offers from my current loan services NewRez. The offers they are sending are not being honored when I follow the steps in the mailer. The latest offer was to reduce my interest rate from 4.75 % to 2.875 % with the same XXXX remaining term. When I call with my reservation number XXXX they tell me they did not account for the fact that the property is an investment ( non-owner occupied ) and they will not honor the terms of the offer. 

I have received at least 4 offers like this from NewRez in the past 6 months all with the same false advertising. I believe since they own the servicing for my loan and have the parameters on the file ( it was originated as a XXXX property ), they should be held account for their marketing and honor the terms offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is what I keep getting every time I try to open up a bank account do anything financially Equifax is responsible for the mix up Dear XXXX XXXX XXXX, Thank you for choosing XXXX for your financial needs. 



A review of your application indicates there is a Fraud Alert notation and or Security Freeze on your credit profile. In order to proceed with the application the following information is required : O Placement date and expiration of the Credit Freeze or Alert O Address Verification- copy of utility bill dated within 90 days. 

O Copy of Drivers License ( front and back ). 



We appreciate you taking the time to provide this information. You may fax the requested documents, Upon receipt of the requested documents your application and documents will be reviewed, and you will be notified via email of the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TD BANK US HOLDING COMPANY
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:
There is a TD BANK USA, N.A. / Target account reporting on XXXX that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with TD BANK and XXXX  and they have failed to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2021-06-04
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After closing on a loan modification and re enstating my mortgage I began making payments as agreed with PRMG. They made a mistake and applied my first payment XX/XX/2021 to escrow. I have since been a month behind in their system. I am being negatively credit reported, and charged late fees due to this error on their part. I have called and spent hours on the phone with them a dozen times and have records of it all. They tell me They will correct the problem after transferring me through several departments, and have not done so yet. Ive requested calls back from upper management and have been promised they will call back in 24-48 hours. I never hear back. I dont know what to do I have tried every route with them to fix a simple problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First credit union is rolling out a forced {$72.00} a year premium checking account for all its members and they are doing so in a sneaky way. First, rather than have it stated very clearly when you log into online banking that this is happening with an opt-out option they are only sending little emails that don't include out to opt-out of it. When I signed on to America first part of the terms and conditions were that they had free checking and no underhanded fees. In order to opt-out of this premium checking, you have to call and wait on hold for 35+ minutes. This is something a bank would do rather than a member 's first credit union. The best part about going with a credit union is no monthly fees. I wish they offered this as an option, instead of as something they automatically set up and we need to call to cancel. It goes against everything Ive always thought America First stood for. Even if the benefits are great the way this is being rolled out feels sneaky. It should be an option rather than a forced situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My original first mortgage with XXXX XXXX XXXX was sold to Nationstar without my consent or advanced notification. It took Nationstar 1 year to get loan information into their computer system. During this year, they refused to accept mortgage payments as did XXXX. Nationstar stated they had no account for me. When they finally got my info into their system, they pinged my credit reports with late payments!! This caused me no option but to stay with Nationstar. 
In XX/XX/2017 my loan came to end and I requested a new loan or refinance. They agreed but never got me the documents I requested. They refused to accept any mortgage payments and again pinged my credit report with late payments. Early this year, they refused to refi my home and now put in into Foreclosure on XX/XX/XXXX. I am in the process of refinancing with another lender, but they will not give me the extra time to close this loan. They will be selling my home and putting me on the street with no place to live. 
Also, they were supposed to notify me in writing that they were foreclosing and I never received any notification. They also said a XXXX Country Sheriff hand delivered a notice to me personally. That also never happened. What did happen was they sent a notice to a former attorney I ceased working with earlier in the year. I notified Nationstar of this on numerous occasions verbally and in writing and they neglected to change their records. When they finally got my loan info, they misclassified it as a HELOC and refused to refinance a HELOC. I tried for over a year to prove to them it was my first mortgage and after much effort on my part, they finally agreed they were at fault. 
Also, I had severe storm damage to my home on the tornado force storms on XX/XX/XXXX and XXXX of this year. My insurance company approved the repairs. Nationstar has the insurance monies and refuses to release the funds to my contractors. The roof is near collapse. I need Nationstar to give me the time to close this new loan and keep my home which I have had since XXXX and get the repairs complete. This is most urgent!!! Please expedite.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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: Their investigation did not fix an error on your report

Complaint:
I contacted Experian to get them to investigate inaccurate, false and misleading information on my credit report. They have responded that they need to check with the data furnisher to see if what they posted is correct. By FTC Regulation all information report on a credit report must be 100 % accurate. Why do they need to now check to see if the information the report is correct. It shouldnt have been reported if they were not sure of its accuracy. They are in clear violation and in non compliance with Basel3 and FTC Regulations.

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 2021-09-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Home Account that was in good standing for 18 months had regular payments, and was paid off less than 6 months ago* ( XX/XX/2021 ) was closed based off of out of date reasons that were from 4 years ago.I 've clawed my way back to rebuild my credit and they've lowered my limit every fiscal quarter for 18 months with the same reasons. They've negatively effected my credit score by reporting 100 % utilization the entire duration of account until I paid the balance. 

As soon as my credit score goes up they undermine any efforts and I work for a retailer that uses their services. Also my father was on the account and they stated that I had no form of real estate but he's a small business owner of 30 years. They're falsely claiming financial instability without actually experiencing any behavior. I realize that them crying wolf isn't against the law but it's bullying on fiscal level that's derailing any form of accurate credit reporting.

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 2021-09-14
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
AMEX XXXX I'm tired of this. We want to move on with our lives. 

It is against the law to exchange money for XXXX in the state of Texas. Period, full stop. I have clearly stated XXXX activity occurred and furthermore it was NOT CONSENSUAL. 

I can either a ) not be forced to pay for my own XXXX, or b ) file with law enforcement against the business. 

Either way, the receipts are the exchange of money for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: NC
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/XXXX, I sent an investigation requests to the credit bureaus. Over 30 days have passed, and I have not yet received responses as I should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
We began receiving statements on BB & T accounts, a checking account and money market account, that we did not open. Then we received correspondence indicating overdraft protection had been approved. We contacted the BB & T fraud department at the bank and nothing was done. We continue to receive statements from the bank showing debits occurring in the account. We went to the local branch of the BB & T bank and asked the representative to close the account. That was refused. The account remains open. It is accessible via an online account, it has debits being removed and we are concerned this is going to impact our credit report overall. Please assist us to get this account closed. It is a fraudulent 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 explanation
Consumer complaint received 2021-09-14
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am writing in response to Specialized Loan Servicings letter dated XX/XX/XXXX, which was in response to my prior CFPB case # XXXX, submitted by myself, the borrower of the mortgage loan ending in # XXXX, on XX/XX/XXXX. 

I am writing to re-address concerns with Specialized Loan Services violation of the Truth in Lending Act, Regulation Z. Specialized Loan Service stated that the mailing address on file, XXXX XXXX XXXX XXXX XXXX MA XXXX, was not a valid address. This statement is incorrect. The property address associated with the above-referenced loan, XXXX XXXX XXXX XXXX MA XXXX XXXX as well as ownership of this property, has not changed since inception of the above-referenced loan. Specialized Loan Services did in fact have a valid address on file to issue regular correspondence to, the property address, and failed to do so for 7 years, from the date of purchase of the loan in XX/XX/XXXX until 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 2020-07-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
On my credit report Toyota motors on 2014 put a late payment ... ..I would like this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and noticed Debt Recovery Solutions , LLC reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was switched to this Company in XX/XX/2019. I had a payment agreement set up with the previous company and was told that by Law Fay Servicng had to accept this agreement. I call my Account Manager, XXXX XXXX multiple times a day and He has returned 3 calls since XXXX. I have left many messages stating that now I no longer want a payment agreement, I just want to pay my mortgage, but I still get no response even when I am promised a call back. Im so afraid they are trying to foreclose on my Home. Please help me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to XXXX with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.

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 2021-09-14
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 is missing that should be on the report

Complaint:
According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history to be added. This will justly reflect my payment history. Therefore, I request that Equifax immediately verify and add the enclosed payment history to my credit file. ( Enclose proof from Creditor ).

ALL ACCOUNT BELOW SHOULD BE ADDED TO MY REPORT : 1. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please ADD this ACCOINT to my REPORT as a POSITIVE account Immediately! 
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Please ADD this ACCOINT to my REPORT as a POSITIVE account Immediately! 

3. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please ADD this Account to my REPORT as a POSITIVE account Immediately! 
Please notify me within 30 days that the additional credit information has been added by sending an updated copy of my credit history report to my address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Advanced Collection Services, LTD
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am filing for bankruptcy and have told the company this multiple times. I have even submitted a prior complaint, which is what stopped the phone calls and bills previously. I began receiving bills and phone calls earlier this week and called the company ( XXXX/17 ) to tell them to cease contact unless it is through my lawyer. The employee who answered was very rude and, after only giving her the phone number they are using to contact me, told me sensitive information about my accounts.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received an email from XXXX Customer Service. This is the company Equifax has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
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:
I have wrong information on my credit report. 
My name is mispelled and have wrong addresses listed. 
I have written a letter a few years ago about this matter and nothing has been corrected. 
There is also misinformation about delequencies when payments were made. I disputed the negative information and they had XXXX day to investigate.

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 2021-09-14
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: Reporting company used your report improperly

Complaint:
I AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. NO THIRD PARTY OR OTHER PERSON IS INVOLVED. 
I recently made a complaint regarding information or items listed on my credit reports that I did not authorize consent nor benefit from. I then asked you to block and remove thos items. 
The case was closed because you responded that it appeared someone other than myself submitted the complaints. 
I AM RESUBMITTING MY COMPLAINT ON MY OWN BEHALF in hopes that it will actually be looked into this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Colony Brands, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt needs to remove off of my credit report ... sent in a DEBT VALADATION LETTER TO XXXX XXXX in XXXX 2017. They have not vi the DEBT and this not my DEBT. I have toward all info including letters and certified sign return receipt to all 3 credit bureau and XXXX will not remove it and they have all PROOF that I have mailed XXXX XXXX to vi debt

Company response to consumer: Closed with explanation