BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In XXXX of XXXX, I was in an XXXX with XXXX, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from XXXX XXXX XXXX for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the original creditor ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion.

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 2021-07-08
Company: LEXISNEXIS
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:
On XXXX XXXX, I received a letter consumer number : XXXX Lexis Nexis through Consumer Financial Protection Bureau Portal CFPB Case # XXXX, stating that the Bankruptcy was not on my report. I also pull the report Lexis Nexis report on XXXX XXXX that they sent, Consumer Number : XXXX case # XXXX report with a bankruptcy not listed. I was told by a representative XXXX from Lexis Nexis on XXXX XXXX XXXX CST stating that I was incorrect with the records I have because it was still listed in there unverified system that the file was not removed. I am requesting from Lexis Nexis to provided how the information was verified. Lexis Nexis also provided unverified formation to 3rd parties and won't provided details who provide these details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, 2018 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX To whom it may concern : As a longtime customer, I write with two complaints : Customer assistance connected me with a XXXX scam which may have compromised my computer. 

Customer service has no way to provide immediate feedback about my concerns. 

My customer record should show three calls to Capital One, two on XXXX XXXX and one today. 

While working with XXXX on XXXX XXXX, I had a problem with a XXXX/Capital One Authorization step. No one at Capital One has knowledge of this change although I reproduced it. After calling, I was transferred from Customer Service to Digital Support and ultimately told only XXXX could solve the problem. Because XXXX does not have Sunday support, I was surprised when the Digital Representative patched me through by phone. I therefore trusted the call. XXXX said an agent would call me back shortly. One did who wanted access to my computer which I granted, assuming this source was trusted. Eventually I was told I would need to pay for the problem. Since it was not a problem I had created, I suspected it was a scam and said so. The XXXX agent disconnected. 

I called Capital One to report the problem and again was transferred to a Digital Representative. There was no acknowledgement or ownership of the problem. We were disconnected, and I was too frustrated to call again after several hours on the phone with several people. I called back today. I went through the same process where a Customer Service Representative and Manager and the Digital Representative told me I could write this letter. 

I ask that Capital One assure me that Digital Representatives connect with only valid XXXX agents, and I ask that a more direct customer complaint process be put in place. 

I am sending a copy of this letter to my senator and to the Consumer Finance Protection Bureau.  Should you need to contact me, I can be reached at XXXX or by email at XXXX XXXX 

Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage which was sold to sls. It was previously with XXXX XXXX XXXX as part of the XXXX deal. I have never had an escrow account as part of or terms of my mortgage. A year after it was sold to sls I received a letter telling me I was behind in my tax payments. I was not behind in tax or insurance. I am XXXX and am part of a tax freeze and reduction plan by the city of XXXX. I called and let them know that and I had a representative from the city send them a letter letting them know I was in the plan in good standing and not behind. The City even sent them the money they sent to pay my tax back to them. This has gone back and forward on the phone since XXXX. I have been asked to pay lump sums and then way more than I can afford each month. Finally i was told in XXXX that my loan to value was over 80 % sitting at a whopping 81 % and this is the new reason I am in an escrow account. I can't afford the extra payments each month that vary never the same. I would like my mortgage put back the way it was previous to the transfer. I think that it is a shame that they use 1 % ltv as a reason to keep me in an escrow account where there were no deliquencies. I have never been deliquent on my mortgage.

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 2020-07-01
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX all FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ser violations : FTC : Not mine Fair DEBT : LAW saids you can not use unfair practices to collect a debt FCRA : inaccurate information case on the company have violated the law previously will enclose all the violations : FTC Sues Subprime Credit Card Marketing Company and Debt Collector for Deceptive Credit Card Marketing XX/XX/2008 FOR RELEASE TAGS : Consumer Protection The Federal Trade Commission today announced the filing of a lawsuit charging XXXX XXXX and its wholly-owned debt collection subsidiary, XXXX XXXX XXXX XXXX XXXX, with deceptive marketing practices in selling credit cards to consumers in the subprime market. 

The FTCs complaint charges both defendants with violations of the FTC Act and XXXX XXXX with violations of the Fair Debt Collection Practices Act ( FDCPA ). Todays action is the result of a coordinated investigation of the defendants marketing practices by the FTC and the Federal Deposit Insurance Corporation. In a related action, the FDIC has issued notice of administrative charges against XXXX and two banks that issued credit cards marketed by 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 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

XXXX Account Number : XXXX XXXX Account 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 2020-10-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second time I am having to file a complaint against TD Bank NA and XXXX XXXX XXXX XXXX , XXXX in XXXX, OH for harassing us claiming to not have received proof of insurance on our home. We last needed to do this in XX/XX/XXXX. My wife and I have a 15 year mortgage with TD Bank since XXXX where we purchase our own property insurance independently to avoid the use of an escrow account. Beginning in XXXX, TD Bank and their mortgage servicing administrator, XXXX XXXX XXXX XXXX , XXXX,. have adopted a practice of harassment by " losing '' our submissions of proof of insurance threatening to force place insurance on our home. Every fall, we need to go through multiple instances of providing this proof of insurance only to have it be " lost '' multiple times. This has again occurred after proof of insurance was confirmed to be sent on XX/XX/XXXX @ XXXX and on XX/XX/XXXX @ XXXX after their previous request to have the proof of insurance sent to them. We have since received yet another letter from TD Bank, dated XX/XX/XXXX claiming to not have received proof of insurance and threatening to force place insurance on our home. Since this request has been met twice, I can see that we are again on a path of harassment despite promises to the contrary in XXXX following the last complaint. 

The issue is TD Bank 's use of a mortgage servicing company that has a vested interest in selling insurance -- so much so that their corporate name contains " Insurance '' in it. This establishes a conflict of interest to not competently satisfy the administrative tasks of  processing mortgage paperwork but instead to pretend to " lose '' the submitted proof of insurance from what is now a competing source of insurance. The apparent hope is to sufficiently harass homeowners to the point where purchasing insurance from outside of the insurance purchased through an escrow account is too onerous for the average homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
Every time I apply for ANY credit, I am sent letters denying me however these same letters states that either a credit report was not pulled or I have a 700 plus score but yet they still deny me for ANY loan or credit application. I wrote the 3 credit bureau on XX/XX/2020 updating my legal name because I was denied credit due to " inactive file '' status. My name has a suffix behind it so I sent them my ID and other documents to provide proof of my identity and requested my credit profile show up active. I never received any correspondence from them or any notification. Further more my identity was stolen by the SBA and I  received a Notice of Data Breach. I am unsure why i am having these issues but know that I should of been offered the credit in which I had requested. I am still receiving notices that states these concerns. Your help in this matter will be greatly appreciated.

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 2018-08-20
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 information incorrect

Complaint:
On XX/XX/2018, I applied for XXXX as I need XXXX XXXX. I was denied with XXXX saying the information provided to them by Transunion caused a denial. 
The inquiry on my report is XXXX. 

When I contacted Transunion, they had no reason for the negative rating. I reviewed my XXXX XXXX   account which shows Transunion dropped my score 22 pts saying high credit card balance. My balances are not high as I typically payoff the balances in full each month. I have no negative rated accounts whatsoever. I have reduced all major debts significantly ( mortgages, student loans, etc as I pay extra each month ). 

I need XXXX and financing.

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$880.00XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$970.00} XXXX XXXXXXXX {$10000.00}

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 2020-06-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There several items reporting inaccurately on my credit file : Incorrect Personal Information : I never lived at XXXX XXXX XXXX XXXX XXXX ( Experian ) Incorrect Status : I was never late on XXXX Open Date : XX/XX/XXXX. Please remove late. ( Experian ) I was never late on XXXX XXXX XXXX ; Open Date : XX/XX/XXXX. Please remove late. ( Experian ) Fraudulent Account or Identity Theft Items : XXXX XXXX  - Open Date : XX/XX/XXXX Bal : {$1900.00} ( 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 2020-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Litigation is now over and settled. Seeking all bank statements since the account opened in 2013.

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 2018-08-20
Company: EQUIFAX, INC.
State: AR
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was XXXX XXXX. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was XXXX XXXX. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full 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 explanation
Consumer complaint received 2020-05-26
Company: General Motors Financial Company, Inc.
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My complaint relates to the final payment practices for GM Financial. Their website allows for automatic payments from a bank account. However, for the final payoff amount, they force consumers to request a quote, print off the quote with the expiration date on it, and mail a check or money order to their offices. While I understand why this practice was necessary 10 years ago, GM financial clearly has the ability to process a final payment immediately. The unnecessary and convoluted process allows GM Financial to collect an additional 10 days to two weeks worth of interest on an account that would otherwise be paid off. This is a systemic issue and I believe it to be an unfair and deceptive practice. A few weeks worth of interest may not seem to be a significant problem, however, when it is compounded over tens if not hundreds of thousands of loans it amounts to significant consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Did bankruptcy in XXXX XXXX on first and second mortgage. Have been trying to refinance on the first mortgage, but XXXX XXXX XXXX put a lien on the first, even though the second was discharged. Haven't gotten help from them, I would like to do this so I can retire.

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