BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
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: Reporting company used your report improperly

Complaint:
I asked the credit bureau to do verification on everything on my credit report. They reply back to me stating that everything was accurate on my credit report. I did research myself and fought improper inaccuracies on my credit report after they did the investigation. 

XXXXXXXX XXXX XXXX  : XXXX Never 30days late XXXX XXXX : XXXX Never 30 days late, High balance incorrect. 

XXXX XXXX XXXX  I have know knowledge of this account In Accordance With the fair credit reporting Act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1861 section 604A Section 2 It also states a consumer Reporting agency Can not furnish A account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing company was recently switched to Home Point Financial and we're now in a significant dispute. 

Back in XXXX, I made my first payment and set up an auto-draft moving forward. However, the company, by its own acknowledgement, set up my auto-draft incorrectly. 

As a result, I missed multiple payments, and they reported my wife and I to the credit bureaus. 

The company 's stance is that I should have noticed the error when I received my monthly statements via email. However, the email is simply a link that states my statement is available. The statement itself isn't attached and there's no mention. the account is delinquent. 

I never received any phone call, email, or other correspondence that I missed a payment, until I received a certified letter last week. When I did, I immediately called the company, paid the outdated balance in full, and they remedied the auto-draft error. 

But they are still refusing to contact the credit bureaus to tell them they mistakenly reported my wife and I. As a result, our credit scores have dropped more than 100 points. Please help! 

Thanks, XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX consumer and natural person. I contacted Capital on Monday XX/XX/2021 and first spoke with XXXX, who informed me that my account was closed. I am shocked and enraged after my 30 minute hold withXXXX, XXXX then tranferred me to his supervisor XXXX who was nothing more than a LIAR! She yelled and told me that she was the highest point of Contact which is a lie I am pretty sure she is not the CEO or president of Capital One. I am disgusted that Capital One is under the impression that as a company they are allowed to violate and disregard my consumer rights. I remitted my payment in the amount of {$2200.00} and instead of demonstrating in honor Capital One employess are acting above the FDCPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I did a loan modification for a XXXX XXXX  that had been transferred to TD Bank. I was pressured into accepting these terms in order to not lose my house. The terms I signed do not match the amount I am being charged. They show {$15000.00} in outstanding balance and my paper work shows {$3400.00}. I would like relief for the amount of charges and accrued interest they are charging me. Accrued interest on the modification says {$34000.00} on my account but the paperwork I signed says {$33000.00}. Since TD Bank has taken over this loan I have always had to be transferred or wait for someone to call me because my loan is in a different system. I cant access it online. Cant talk to people in the Bank. Customer service because it was a XXXX XXXX is horrible. I should be able to call and get help with my account and not have to wait 3 to 5 days for someone to call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on friday XXXX XXXX i was trying to make a transfer from my account to my sister through XXXX, and it kept on declining, i received a text from my bank asking me if i was trying in make this transaction i replied yes i received another text stating that i need to contact my bank fraud department at XXXX which i did they confirmed if i was trying to make this transaction and i confirmed it, the gentlemen ok im going to unblock the card and tried it again 5 minutes, i tried it again and once again it didn't go through i received another test asking to contact the fraud department, i called again and they once again said to try it later, i explained to them that this was urgent that i had family emergency and i was sending my sister money through XXXX, she stated-that everything was fine and that i shouldn't have any problem, i explained to her that my father was very ill and i would be traveling on saturday and i wanted to make sure everything was fine, i gave it some time and i once again gave it another try to send the money to my sister, and once again it declined i was told at that time that my card had been placed on a temporary hold by the security department and that their department was closed until monay and there was nothing that they could do, i begged them to please do something as my father was very ill. and their replied was that they could not do anthing, i was no able to catch a flight or transfer money to my as my card was disable, my father passed away on saturday night, and i was not able to be there, due to not having any of my funds aviable, i have contacted them this morning and all they could say is that someone has to call me back, i am still waiting, this is not acceptable, i never received a call a ect or email notifying my that me card was going to be on temporary hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
For the last XXXX time to Experian I sent 2 letter to remove all inaccurate names and addresses or job from my credit report Even I sent those 2 letter to Experian they didnt remove the inaccurate name or addresses from my credit report I told Experian I only want my current name on my credit report I told Experian several times to remove all inaccurate names and addresses from my credit report or inaccurate job history I want only one name XXXX XXXX XXXX address My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX And also I dont work on XXXX XXXX But Experian ignored my legal dispute 2 times and violated the law I will have this last complain as prove for the judge Now that I see that Experian is doing negligence and not even investigating All the proves I sent to Experian such a ID and proof of address and oven like that Experian denied my right for fair credit report and affected my life negatively for their negligence on my credit report This is an extreme abuse by Experian and also unlawful Experian thinks is over the United States law Or over the fair credit act I did 2 legal disputes to Experian and they didnt even sent me credit report Or inform me about the disputes This a ruthless organization That dont comply with the law

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 2018-11-27
Company: ALLY FINANCIAL INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My husband and I leased a XXXX and returned the XXXX back to the dealer in a timely fashion in 2018. Ally provided financing for the XXXX. Throughout the course of the three-year lease, we were never so much as a day late with any payment. On XX/XX/2018, we wrote to Ally and disputed certain charges they alleged, including for excess wear and tear following the return of the XXXX. We understand that Ally claims we owe about {$600.00}. Although we sent via certified mail to Ally a cease and desist letter, it continues to contact us several times a day including at our places of employment. Ally further continues to contact our family members as well as individuals who are not related to us. If Ally wishes to file a small claims suit against us, I'd be happy to defend the same and provide the court with copies of the documents and photos we have. However, we want the harassment to stop. We request your assistance in this regard. The company harassing us is : Ally, XXXX. XXXX XXXX, XXXX, MN, XXXX. Telephone number 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 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft for over 4 years. Someone has consistently use my information to fraudulently obtain accounts including bank accounts, loans and cars. The bureau has all of the information pertaining to these incidents, yet the accounts are still on my credit. One account was removed previously and is now being reported again. The person that is using my credit is believed to be a family member. I have sent in updated police reports as well as FTC reports to document these incidents. I want these fraud accounts removed from my credit 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 explanation
Consumer complaint received 2021-04-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account and frozen my funds for no reason and will not help me with getting it back up and going. Im not sure if this is a mistake as i assume it has to be. They are accusing me of using them on XXXX to sell FIREarms, when actually i deal with XXXX guns and XXXX guns only. XXXX woundt even allow me to sell firearms, you need special licenses and documents for that. I have not been able to get help from PayPal for weeks but i remember i could file a report here as i feel they are not doing their job properly and its affecting me a great deal as i used paypal to get part of my income. My e-mail linked with to my PayPal address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
in 2017, goin thru a divorce, divorce decree signed by judge stated that ex spose was to sell house or refinance within a year and hold me harmless, that didnt happen, forclosure se sent it to,,, i cant get help getting it off my report.. its her responsibilty and action for this mess ...

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 2019-06-27
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2019, the lien holder XXXX XXXX XXXX reported to the bureaus that my account was closed ( which it was not ) and added a remark that there was an involuntary repossession ( which it was not ). After speaking with them they advised that no one in the office reported that information ( lies ) So once I disputed it, the account was reopened and the remark was removed. That inaccurate information caused my credit score to decrease 128 pts. I have contacted them multiple times to ask when will my credit score be restored due to the inaccurate and incorrect information being reported ; I was told they didn't know how long it would take for my points to be restored and after requesting to speak with supervisors on multiple occasions I was then told that my score will be restored after 30 days of the closing of the dispute. The closing of the dispute was around XX/XX/2019 and has since been thirty days and no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: GLA Collection Company, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested the following information from GLA for several years and still have not received an answer from them. I believe this said debt is not mine as they have not provided proof of the said debt and the original creditors have no record of my name on file. GLA continues to keep it on my credit reports without providing the requested proof and documentation of said debt. 

There is an alleged debt on my credit report from GLA for the following : {$360.00} from XXXX XXXX {$290.00} XXXX  XXXX  XXXX {$150.00} XXXX  XXXX  XXXX  XXXX  I have reason to believe I do not owe this debt because I have never had an account with that creditor. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt including an itemized statement of said debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt including my original signature as guarantor. 
4. Documentation showing you are licensed to collect debts in North Carolina.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have repeatedly tried to get my free credit report and freeze my credit report which Equifax has repeatedly denied. 

XXXX2020 I initially FAXED my Texas driver 's license and SSN card to Equifax as required after denying to issue my annual free credit report - their response was to send a denial letter stating I had to prove I had an old PO Box address my father used which was no longer valid. 

XXXX2020 After a second denial letter not allowing me to see my own credit report and not allowing me to freeze my report I sent a certified letter indicating my current correct mailing address on my Texas Voter Registration card issued by the Texas Secretary of State and my driver 's license as well. As stated in my letter I am refusing to send my SSN to Equifax again as every time I do I risk suffering ID theft like already happened to one of my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refi in XX/XX/XXXX and was scheduled to sign closing docs on XXXX. However, minutes before the notary service was to arrive they sent a text saying the signing was canceled and the lender would contact me. They didn't but I called them and was told they need to verify my XXXX tax returns transcripts but XXXX  system wasn't allow them access due to Corona Virus issues so they told me I had to get them myself. I tried 3x but it wasn't available to me either online. I provided the lender XXXX XXXX proof of filing online 2x. After requesting a manager and calling them several times my rep XXXX said they still had to wait for the transcripts. So far they have not return my calls and loan still not closed.

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 2018-11-27
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This week, I have found SW Credit Systems reporting a collection on my credit report. The reports indicate that they were assigned the account on XX/XX/2018, and that it was reported to the credit bureaus on XX/XX/2018. There are two issues with this account - 1 ) I never received a notice in the mail about this debt. 
2 ) Even if I had received a notice, the timeframe between XXXX XXXX XXXX receiving the account and when it was reported would not have left enough time for me to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TD BANK US HOLDING COMPANY
State: IL
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:
In XXXX of XXXX I obtained a loan from TD Auto Finance ( account number XXXX ). When I received my first billing statement I noted that my last name was misspelled on the satetement. I reached out to TD Auto Finance right away and requested a change. They responded asking for a copy of my DL which I provided. The name was not corrected. 

In XXXX of XXXX, I paid off a loan and received the title to the car. The last name and address were incorrect on the title. I reached to TD Auto Finance 3 times until they finally responded a couple of weeks later telling me to go to DVM to correct the issue. 

Given that this is a problem with TD Auto Finance and how they keep their records, I would like the to fix the title and re-issue a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: OH
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 fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau XXXX Equifax, XXXX  and XXXX  chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} XXXX since XX/XX/2020. However, Equifax and XXXX  change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX XXXX stating {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau of XXXX, Transunion and XXXX  chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} XXXX since XX/XX/2020. However, XXXX  and tranasunion change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX  XXXX stating {$0.00} balance

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 2021-07-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I have sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation