BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a complaint about the actions of XXXX in their response to our last complaint. 

1. the rules state that a lender MUST PROMPTLY RESPOND to a notice of successor in interest.

2. We sent a certified letter by mail, fax and email over a month ago giving notice. 
3. XXXX has NEVER responded to such a notice which included my deed as a settlement for domestic debt, to inform Me it was received, as requested, or that they wanted more information OR TO DENY XXXX status. 
4. This clearly proves gross bad faith since the date for sale was XX/XX/XXXX and they did not respond to stop the sale, ask for more information or to agree with SI status. 
5. The purpose of the new rule from 2018 clearly states it was to offer time to a potential SI to get a modification and to stop foreclosure. 
6. The fact that XXXX admits it thoroughly investigated the XXXX claim and denied it WHILE IGNORING NOTIFYING ME AS THE XXXX to DELAY SO THE HOME IS SOLD PROVES they are deliberately delaying any response to let home sell and take the home which the rule is specifically meant to prevent. 
7. The egregious and willful and wanton violating of the rules to take a home is both disgusting and actionable.

8. I M also demanding they only contact me and my attorney not any other person as I am the SOLE owner and no one else has rights to the home. 
9. The violations are too numerous to list here but I demand immediate assistance by CFPB and that they order XXXX to immediately remove property from sale AGAIN and honor the co yea t we signed- they probably yes my name as an ow we on their offer- and be ordered not go put on sale again as it is a harassing tactic d well as an illegal one.

10. They also engaged in dual tracking for last three years putting home on sale date 9 times while acting like they were working with us. This is also illegal.

ASSISTANCE IS REQUIRED TO STOP FURTHER FINANCIAL EMOTIONAL IRREVOCABLE HARM BY THESE CRIMINals. 

I anticipate they will again not respond as yet we have no responses about SI or modification application from months ago yet they can answer you. 
ASSISTANCE URGENTLY NEEDED TO STOP THESE ONGOING VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello I have a member fee ( XXXX point ) Venture Capital One credit card. At the end of XX/XX/2023 I got an offer on my phone app to upgrade my credit card to one that doesn't charge member fee but they decrease the points to 1.5. I took advantage of this promotion knowing that my current credit card it was gon na expire on XXXX. They send me the new credit card by mail. Now when I was checking my charges online I saw they charged me the annual fee on XX/XX/XXXX ( XXXX dollars ). When I call to ask them ( call made Tuesday XX/XX/XXXX around XXXX XXXX  ) to void this charge they said they cant do this. And now I paid for the credit card that I am no getting all the benefits ( XXXX point ) and I get to use only that supposedly is XXXX annual fee but is only XXXX points. I think this is very unfair. 
The manager didnt give me any solution only saying that I approve the addendums and stuff when I change the credit card. My complain is what they give me the option to Upgrade to a card that I was going to save on annual fee when they already had charge me for the Annual fee. This action by Capital One was misleading and corrupted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For the last 2 years, Experian has been reporting inaccurate and unverifiable information on my credit report. When asked to provide proof of verification, they either reply with verified by company, or even more commonly not respond at all ; which they are notorious for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the accounts on the form are fraudulent and I am requesting immediate permanent removal of these account these accounts opened while i was incarcerated in XXXX XXXX XXXX. you can even call the XXXX XXXX sheriffs office to verify and please remove these accounts unless you have proof to not to and if you do have proof i request that you send it to me. documents are attached. 
XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXXXXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX I REQUEST THESE ACCOUNTS TO BE PERMANETELY REMOVED IMMEDIATLY i have provided substantial proof failure to delete the items i would have to file a lawsuit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently i Did not give medicine to anyone to open this account under my name or Social Security number Continuing to keep this account open will result in a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Berman & Rabin, P.A.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was served by XXXX XXXX County back in XXXX 2020, I never received anything from this company prior. I called Berman and Rabin the collection office and spoke with XXXX. He refused to send me documentation pertaining to this suit. He told me that if I didnt want to pay thats fine go to court. I attended all court dates and then set up an payment arrangement. They never sent the paperwork via mail to get notarized by mail. I was told not to show up to court after I made the payment to be told that a default judgement has been entered against me. After emails and calls I was contacted todayXX/XX/20by XXXX who yelled at me and threaten me after I questioned why I was being charged court cost after they never sent my account to abitration.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One Bank USA reported on my credit report ( XXXX  ) that I made a late pymt on XX/XX/2018. During that time, I was on military leave. I communicated with Capital One by phone, prior to my leave, to automatically withdraw a pymt from my bank account. 

The pymt was never withdraw from my bank account and the pymt was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I received a Notice of Sale of Ownership of Home Equity Line of Credit via mail XX/XX/2021 from Specialized Loan Servicing ( date of loan XXXX Loan amount- {$40000.00} ). I informed them immediately via certified mail that this is a fraudulent loan and my signature was forged. I have requested a copy of the loan documents and never received a response. I spoke to a Customer Resolution person named XXXX, XXXX several times ( 4 ) via phone and informed him as well that I never signed for a Home Equity loan and he told me that Specialized Loan Servicing could not do anything and that I would need to file criminal charges against the person who forged my signature. XXXX stated that he would send me a copy of the forged loan documents. I called to follow up on XX/XX/XXXX and spoke with XXXX and he said the documents are in archive and is taking a while to be pulled and that he will send out within 7 to 10 business days but I had to agree to a loan modification in order to stop foreclosure and send them a check for {$6900.00}. I sent a check on XX/XX/2021 in the amount of {$6900.00} that they cashed and they never sent me the fraudulent loan documents. Now they are sending me a notice that they may pursue with foreclosure and that they offered me relief assistance which is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On ( XX/XX/2023 ) XXXX XXXX, I went to Regions bank to withdraw {$5000.00} dollars from my checking account. Unfortunately, I was denied from completing my transaction because the bank teller and branch manager informed me that my transaction was still pending and that I could not withdraw my funds. The branch manager told the teller, if it were my cash draw I would not complete the transaction. The teller also mentioned to me that I had a similar transaction done the day before ( XX/XX/2023 ) and she needed approval. The ( Branch Manager ) proceeds to tell the teller that she would not complete the transaction because it is still pending and it could come back returned. I had to drive to another branch farther out to withdraw my funds while pending without any issues. The bank teller tried to give me back my withdraw slip and I exited the bank. I contacted the Branch Manager ( XXXX XXXX ) on XX/XX/2023 to file a complaint. She has not returned my phone call.

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 2019-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I agreed to purchase tickets for a XXXX XXXX  XXXX hockey game from someone on XXXX. The scammer 's email on XXXX was XXXX. His " real '' email that he gave me was XXXX. The name used was XXXX XXXX. The cell phone number he used was XXXX. 
The price was agreed. I asked the person if they could send the tickets through XXXX XXXX on XXXX and they said they could. I asked if they had XXXX. They responded I could set one up and then I offered the use of XXXX and they agreed so I sent him {$370.00} and i received nothing in return. 
I called. My number was blocked on their end. They answered no messages from me. 
I called CapitalOne which is my bank and who processed the transaction on behalf of XXXX. They said they would investigate but I have to contact XXXX too. I called XXXX and a recorded message says if you use the app through a bank, call the bank. No offer of help or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently received two letters ( attached ) dated XX/XX/2023 that TD Bank was closing my Checking & Savings account. This after being a TD Bank customer for approximately 8 years. 

I've tried multiple times to receive additional information behind the closure, none has been provided up until this point. Instead, its been insinuated that the interest rate on my TD mortgage may be impacted as I may have been receiving a discounted rate due to my other relationships with the bank. I've confirmed that I have a 30 year fixed mortgage rate and found no basis behind this insinuation. 

This is a highly stressful position to be in, especially if it could potentially impact my home/family. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2022 requested that XXXX and Transunion to investigate my accounts, it has been over 30 days. 

According to 15 USC 1681I they have 30 days to investigate and send me results. 

XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2019-12-28
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: Personal information incorrect

Complaint:
On XXXX I called Experian credit reporting after I noticed an incorrect address in my file. They refused to remove the incorrect address. They said a creditor was reporting this address in which I never gave such information to this said creditor. 

I asked them to remove this false information and Experian would not comply and help me..So now I am contacting Your agency for help

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 2018-01-12
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have THREE transactions I have been disputing with BBVA for several months now and have received NO word back from them after filing a report over the phone and submitting my complaint in writing. 

I have TWO outgoing wires that I do n't recognize and I know for a fact that I did not make. 

On XX/XX/XXXX there is an outgoing wire to XXXX XXXX XXXX XXXX On XXXX there is one to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/, I attempted to open a savings account with XXXX, also known as First National Bank of Omaha. Their auto check process denied my request, despite having multiple bank accounts elsewhere, excellent credit, etc. Three customer services agents on their chat application all gave me pre-canned responses about how they could not reveal their sources for the denial.

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 2019-12-28
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 is missing that should be on the report

Complaint:
I have filed two disputes with Transunion in XX/XX/XXXX and XX/XX/2019 because XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 mortgage payments shows ( No Info ) for ( XXXX XXXX XXXX ) my mortgage company.These payments were on time.My term is also showing ( no info ) which my loan is a 30 year term.Both filed disputes states that the company stated the information is accurate when they were completed by Transunion.Also the payment status on my report for this loan states ( no info ) and should sayCurrent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist LVNV Funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Account status incorrect

Complaint:
XXXX and transunion have listed professional finance in first point as a collection online reports with them. This information should be removed by now as I have mailed certified letters to the corresponding companies. There are zero collections on my XXXX report therefore there should be zero collections for TransUnion days and XXXX. 

XXXX certified mail numbers XXXX XXXX arrived around XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: ALLY FINANCIAL INC.
State: WI
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:
ALLY FINANCIAL DATE ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS. THIS IS FRAUDULENT ACTIVITY REPORTING ON MY CREDIT FILE I DID NOT CONSENT TO THIS ACT OF FRAUDULENT ACTIVITY I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT.

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 2022-12-11
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: Account information incorrect

Complaint:
TransUnion is in violation of the FCRA 15 USC 1681d ( b ) TransUnion has failed to disclose the nature and scope of their investigation. TransUnion failed to provide proof from the court as proof of their investigation that I requested on XX/XX/2022, in fact I provided TransUnion with proof from the court that the following account is reporting inaccurately. TransUnion has consistently violated the FCRA and provided myself and the CFPB with false and misleading information, therefore the following account must be deleted as per the FCRA, due to TransUnion failure to complete a proper investigation within 30 days : XXXX BANKRUPTCY/ DOCKET 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 non-monetary relief