BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This company has not answer to the complaint in a timely maner according with the FCRA section 609, this is inaccurate reporting, the account should be removed from my credit because is an unverifiable account also more than 30 days has pass with no answer.

Account # Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be
deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I wish to complain about the mortgage loan with TD Bank USA, which was obtained XX/XX/XXXX and paid on consistently until XX/XX/XXXX at which time I met a hardship due to unemployment. I have made efforts at bringing the loan current and getting a modification. I was able to get the lender to agree to a modification trial period however the issue is the principle balance increased by XXXX XXXX dollars and the home was never in default nor did the loan ever reach 90 days late. Furthermore, the payment process was severely hinder by denying online access and combined with phone payments not being applied to my loan and requiring multiple attempts to get the XX/XX/XXXX payment applied to my loan. I seek relief from the disruptive and oppressive practices the banking processes with TD Bank USA mortgage department. 
I have not received a written explanation of the reason for the increase of mortgage principle and the verbal explanation was the lender did not want to confuse me or the numbers were being processed and i would be notified when the modification was finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is always paid on time. During this COVID 19 they ( New Rez ) offered a forbearance on their website if needed so I did request to speak to someone about this process in place for any financial issues that could occur via their website as they requested of all customers. I kept trying to call every day and no one ever answered. I was never able to speak to one person about it. About 3 weeks later they send a letter with the incorrect monthly amount that was less than my current monthly note. So I called them again hoping to clear up the inadequacies and again nothing. Two weeks later they send another letter that has a totally different amount from the last that is XXXX as my monthly mortgage. This is incorrect as well. My monthly mortgage is XXXX which includes property taxes as well of which I always pay XXXX. I pay my mortgage online through my XXXX XXXX  online account for documentation purposes. They have added on XXXX. I have had this problem with them in the past and they keep messing up important data as it pertains to my home. I am prepared to sue them if necessary. Please help me with this situation with this company called New Rez. I am a single mother of XXXX and this is our home. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
on XX/XX/2021 I received notification from my Credit Reporting company that someone applied for a credit card with Capital one using my name, social security and birthday and this lowered my score by 9 points and will stay on my report for 60-90 days. I contacted the credit reporting company and the credit card company to file a fraud report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  has incorrect information on my credit report, I notified navy federal credit union about this they said XXXX  reported the information incorrect, I am not disputing anything on my credit report on my navy federal credit union credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with navy federal credit union about my credit card please fix this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My VA Mortgage loan was in active forbearance pursuant to CARES Act but was reported 120 plus days delinquent.

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 2020-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a wire from my account at XXXX XXXX XXXX XXXX to my Chase account for {$2000.00} and Chase rejected the wire and instead of sending it back to the original account at XXXX XXXX XXXX XXXX, Chase chose to re create the transaction generating a new reference number that placed the money in limbo. After 3 to 6 hour wait times and multiple dropped calls and poor phone quality Chase continued to ignore this very disturbing issue and kept repeating that they " sent the money back '' which XXXX XXXX XXXX XXXX has yet to see. They actually told XXXX XXXX XXXX XXXX this also. This type of matter is considered reckless for a financial institution this large to make these kind of mistakes. I just want this resolved or escalated to someone that has a bit more understanding of how scary this would be to any customer trusting Chase to handle money digitally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first received this letter from I. C. Systems regarding a account with XXXX Cable company. I have never had account with XXXX cable company. I sent a letter of verification of this debt and have yet to hear back from I.C Systems with proof that this is my account. I am requesting assistance in stopping this company from sending me bogus collection letters for a account I have never had with this company XXXX. I have always had XXXX XXXX XXXX cable.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: IN
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 XXXX is showing my student loan account 60 days past due in XX/XX/XXXX. An administrative forbearance was granted and backdated to XX/XX/XXXX followed by the disaster forbearance. The account should not be showing past due with a back-dated forbearance.

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 2020-04-27
Company: EQUIFAX, INC.
State: IN
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 XXXX is showing my student loan account 60 days past due in XX/XX/XXXX. An administrative forbearance was granted and backdated to XX/XX/XXXX followed by the disaster forbearance. The account should not be showing past due with a back-dated forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: U.S. BANCORP
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 breach caused my ftc violation XXXX XXXX 2 accounts elan financial sent the police report with all ftc violation j

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 2020-11-07
Company: Experian Information Solutions Inc.
State: NC
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:
Experian has a hard inquiry on my credit file that was not made by me. It is from XXXX XXXX, XX/XX/2019. 



I called Experian about this and was told I needed to contact the company who listed it ... why do I need to do that? It is their responsibility to verify information they are posting on my credit report. They should be able to produce something I signed giving them access and i know I signed nothing of the sort! This is unfair and they have not removed it nor verified it to me.

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX is showing my student loan account 60 days past due in XX/XX/XXXX. An administrative forbearance was granted and backdated to XX/XX/XXXX followed by the disaster forbearance. The account should not be showing past due with a back-dated forbearance.

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 2020-04-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I couldnt find the right response. So Im explaining here! Im trying to fix my credit score and a couple of things went off of my report.my score went down for no reason.i bet if a paid for XXXX boost it would not have gone down the credit reporting seems corrupt to me thats my complaint!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 was alerted by a bank I am in the middle of securing a loan with that State Employees Credit Union has marked a discharged account into a charge off status illegally. The accounts they reported with balances of {$15000.00} and {$450.00}. They flagged my XXXX  and XXXX  illegally and reported charge offs after being discharged in a chapter XXXX bankruptcy back in XXXX. If all accounts are not removed I will be moving forward in a lawsuit to sue them for illegally reporting to the credit bureaus inaccurate information. They are no longer to even check my credit report by law and its being flagged by them. This has negatively affected my credit and my loan I was in the middle of obtaining. They refreshed the account which made my credit drop nearly 100 points. It is unlawful and very illegal and had caused my family and I great hardship during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Without prior legal notice : Home Point Financial Corporation changed my loan servicer from : Home Point Financial Corporation XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX TO : Home Point Financial Corporation XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They sent me written notice dated XX/XX/2018 vis USPS Mail, that the change was to become XX/XX/2018 ... which is the date my XX/XX/XXXX Monthly Payment was electronically sent and received by them at the NJ address. 

The MO address now says that they have not received the payment and that the NJ address has no obligation to forward it to them! 

I have a Mortgage Statement dated XX/XX/2018 and sent by USPS Mail that states that I owe Home Point Financial for BOTH XX/XX/XXXX and XX/XX/XXXX Payments!. 

Repeated phone calls have resulted in NO ACTION on their part to resolve the issue. 

This appears to be a blatant disregard for fiduciary responsibility and a total lack of Good Faith in resolving a problem created solely by their failure to follow good business practices, and a potential act of fraud ( even if inadvertent ) : Failure to post the payment to a mortgage can occur extra interest charges and potential late fees. 

I am led to believe that I am but one of a number of people being affected by this problem and potential violation of not only Good Faith, but federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: EQUIFAX, INC.
State: VA
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 called Equifax XX/XX/2018 to talk to them about some inquiries that are showing up on my credit report that were never initiated by myself as well as a bankruptcy that I have no knowledge of. I was told that they would not be removing them and refused to even investigate on my behalf. Under FCRA I have the right to correct information on my report and wish to file a complaint because they refuse to even investigate or remove these items. I have not applied for credit and wish for these items to be removed as they are effecting my score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Thaxton Investment Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: NE
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 response to the account XXXX  # XXXX, that was deleted from my Equifax Consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights. Such violations have caused my Fico score to drop significantly and has hindered my ability to attain credit products. 

1. This account reappeared on my Equifax report on XX/XX/2021. I have not received any documentation that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion 1. Violation FCRA 611 ( 5 ) ( B ) ( i ) and 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. Violation FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX after XX/XX/2021 and between XX/XX/2021 when the item reappeared. 

Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA if this item is not promptly deleted from my Equifax credit profile. 

I urge that you make Equifax aware of the amount of compensatory damages that I am owed as a result of their negligence and FCRA noncompliant behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: ZWICKER & ASSOCIATES
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/22 I received a notice of garnishment from the court for a default judgment granted to Zwicker and Associates for an XXXX XXXX debt that I owed. I reached out to Zwicker and Associates PC collections department for the stated purpose of VOLUNTARILY paying this debt in full in exchange for no longer pursuing garnishment against me. I spoke with XXXX XXXX and XXXX XXXX ( the latter of which conferred with the attorney for my case, XXXX XXXX, at length while I was on hold ). I was told that, although there was typically a 21 day holding period FOR CHECKS, that, per XXXX XXXX 's direct suggestion, a bank wire for {$12000.00} would likely alleviate that, but he would need to speak to the attorney to be sure. After a lot of back and forth between he and XXXX XXXX, he finally came back and told me that everything was squared away and that the garnishment would no longer be pursued. I called back Friday morning ( XXXX ), both to XXXX XXXX in collections as well as another individual in the legal department - both of which confirmed to me that my the wire was successfully executed and that there was no reason garnishment would be pursued and that the only further correspondence I would receive on this case was a satisfaction letter. What is relevant is that when I woke up this morning ( XXXX ) shocked to see that a garnishment was taken from my bank account! I got double-charged! I immediately called and talked to the legal department and was ultimately told that they had only TODAY began the process to notify the XXXX  County Court to release the garnishment. XXXX XXXX, on a recorded line, told me that this was NOT possible to do Thursday afternoon or Friday last week even after multiple individuals from Zwicker informing me that the wire was successfully received. Meanwhile, I am out almost {$13000.00} dollars! Someone should be held responsible for this! And the court record should be rectified! No garnishment was necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: NC
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 was alerted by a bank I am in the middle of securing a loan with that XXXX XXXX XXXX XXXX has marked a discharged account into a charge off status illegally. The accounts they reported with balances of {$15000.00} and {$450.00}. They flagged my Equifax and XXXX illegally and reported charge offs after being discharged in a chapter XXXX bankruptcy back in 2017. If all accounts are not removed I will be moving forward in a lawsuit to sue them for illegally reporting to the credit bureaus inaccurate information. They are no longer to even check my credit report by law and its being flagged by them. This has negatively affected my credit and my loan I was in the middle of obtaining. They refreshed the account which made my credit drop nearly 100 points. It is unlawful and very illegal and had caused my family and I great hardship during a pandemic.

Company response to consumer: Closed with explanation