BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The HELOC 5 year draw period was due. Current average payment of HELOC was {$340.00} per month. All financial forms that were required were faxed to TD Bank as requested on XX/XX/XXXX with confirmation of successful fax. A letter was sent from TD Bank dated XX/XX/XXXX stating the HELOC was not approved with increase in payment to {$1000.00} per month. Local XXXX  TD bank was called on XX/XX/XXXX and XX/XX/XXXX with local bank unable to confirm why the long standing HELOC was denied and repayment of {$1000.00} required. They stated they were unable to review reasons for denial. XX/XX/XXXX TD customer service was called at XXXX. Customer representative, XXXX, was unable to give a reason for the denial of continued HELOC stating " phenomenal credit score ''. The number to the renewal team was given on that date by XXXX  with call made onXX/XX/XXXXand left message. Unfortunately, despite the TD bank recorded message that all calls would be returned within 24 hours no response from the renewal team has been returned one month later. My, DPOA, daughter went to her local TD bank in XXXX on XX/XX/18 and spoke to assistant manager who assured her that she would be contacted the next day. She was not called with an explanation as stated. No call was made. A call was made to the assistant manager in XXXX  on XX/XX/XXXX with message left and still no return call. After completing a customer service form on line for TD bank a phone call was finally received from TD bank. The representative stated that a modification had been arranged with repayment decreased to XXXX. When questioned why a XXXX, XXXX y.o. widow, with phenomenal credit score, increased income over the past five years and no additional debt was not again renewed for HELOC the response was there must have been changes with XXXX XXXX  or XXXX XXXX. When questioned what the new rules were compared to five years ago the response was " I don't know ''. I am still awaiting an answer as to why the approval did not go through. Again, no late payments, phenomenal credit score, increased income. Only change over the past years was the age of the applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wish to complain Shellpoint Mortgage & XXXX, XXXX, of Fraud in the servicing of my Home Mortgage product, Loan # : XXXX that I purchased in 1995, located at XXXX XXXX XXXX , XXXX Pa XXXX in XXXX XXXX , Pennsylvania , under the 010 Pa. Code 48.3. And the Federal Laws of the Fraud Enforcement and Recovery Act ( FERA ) enacted in 2009.

I am complaining because major Federal laws were violated by my mortgage servicers under RESPA Violations and Foreclosure ; 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts, and they continue to get away with fraud and financial exploitation. To date, Im still waiting to obtain information of the actions taken by CFPB since federal laws are violated in my case before the services of your good offices. The companies in my case have failed act on their own solution/s you requested from them that they provided CFPB with working solution within the letter of the laws given my case concern/s what I see as a fair remedy that is part of the record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Disputed several errors on XXXX credit report. I cant access the credit report online anymore.Tried three different times. No response to mail or email.

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX 2017 I contacted Trans Union about identity theft and their credit reporting that displays ancient information ( closed accounts ) and incorrect information regarding several accounts in my file.
Trans Union refused to make notation or correction of the items I disputed. In fact informed me that I had to contact the companies and provide information back to them. The other credit agencies XXXX and XXXX  corrected and deleted the same erroneous information on my credit reports.
I believe Trans Union has the responsibility to contact the company that provided the information to them to confirm its accuracy. As well all the credit companies especially Trans Union, who arrogantly prides itself as '' we are more difficult than the other credit agencies '' ( is what they stated to me ) should not be allowed to take any company 's word that a consumer is irresponsible, without proof, when a dispute is made. Trans Union should be made to require documents ; i.e. signed contracts and or agreements to confirm company reporting is 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 2021-04-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  claims that the only way to get them a police report indicating fraud from my credit report is to use the USPS and mail it. I have already sent them a paper copy of the report, which was apparently lost in the mail with all of my credit information on it. They also claim that until the police report is received there is nothing else they are able to do. Am I going to have to take legal action to correct these? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I tried to resolve all my errors and inaccuracies with the credit bureaus such as XXXX, XXXX  and TransUnion but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.

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 2021-02-22
Company: CMG MORTGAGE, INC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with my lender for several months now trying to complete a loan modification packet but they have just been giving me the run around. I have sent several faxes with the HOA statement that they had requested and pay stubs with a reduction of hours to show my proof of hardship. On XX/XX/2021, XX/XX/2021 and XX/XX/2021 I submitted the request that was supposed to complete my loan modification packet. My counselor XXXX XXXX has been calling them every week to confirm that they had received the documents and each time they continue to advise that nothing was received even though we received the confirmation that they got everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second CFPB complaint against this company. See CFPB complaint # XXXXfiled in XXXX XXXX. Despite letters from credit bureau team and XXXX XXXX in Barclays ' Office of President, this item remains on my credit report. I have submitted the copy of the letter from Barclays instructing this should be deleted to the credit bureaus, but since the correspondence were not sent directly to the credit bureaus, they will not delete. So I submit disputes and call Barclays credit dispute to move and they claim they do not have a copy of the delete letter sent nor the XX/XX/XXXX letter from the office of president. Further I received a letter dated XX/XX/XXXX from Barclays stating that the information being reported is accurate and will not be deleted, completely contradicting the resolution sent to me and CFPB. I have been disputing this matter for two years. It is a clear violation of the fair credit 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 explanation
Consumer complaint received 2019-10-22
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
According to XXXX, XXXX, XXXX 's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: NAVY FEDERAL CREDIT UNION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Navy Federal Credit Union refuses to apply additional payments made to principal only, and instead applies them as future loan payments made. When asked to reapply funds correctly, agents made false claims about principal reduction, but interest rates are never adjusted or updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had various credit cards with Comenity Bank. They sold a few of those credit card debts to other credit card companies or collection agencies. My accounts were supposed to have been accurately placed in the hardship program that was designed to help us consumers with our repayment of debt. lowering the interest and payment amount. 
under the requirements all of my accounts that were originally with Comenity Bank, were supposed to have been placed in the " protective status. '' I made preset up my payment amounts and dates of payment. to ensure my responsibility of the agreement. to continue to stay elligable for this program. removing some of the ineterest. maintaining and keeping the account in good reporting standing. eliminating some of the interest and mainting the accounts open.because i want to buy my first home. my accounts were placed in the hardship program in XXXX XXXX these accounts were Zales , XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 
well, they had the misspelling of my name in a couple of the accounts zales and XXXX. They fixed the name on the XXXX and never the zales account. 
the issue of them not fixing the name- caused various issues when attempting to speak to management about the account. they would also have issues bringing up the account inorder to talk to them. the failure of not filling out the form on the representatives end for the hardship program- is why the accounts were sold off to another collections agency. placing my active accounts into closed and sold to collections. damaging my credit and the repair promise of the hardship program. making the purchase of a home impossible. I have sent hand written letters to the Credit bureaus, them as creditors to the customer service department and the dispute department. I have attempted since XXXX of XXXX for these issues to be resolved. we are now in XXXX and i am still being affected by their mistakes. can someone please help me. 
i found oout about the issue in XXXX of XXXX XXXX XXXX became the owner of the XXXX account/debt and i was notified then. i have even requested my account notes and they will not release them. i need to get this fixed. we are in XXXX. PLeASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
As of XX/XX/2022 I had paid on my account to make it current leaving me with a remaining balance of {$2800.00}. On XX/XX/2022 after I added my autopay information Synchrony proceeded to charge me for the total remaining amount, even after I had already paid for the month. Because of this my personal funds went to - {$2000.00} which I had them refund. On XX/XX/2022 after Synchrony reported my account to be current they also reported that my credit usage increased by 83.09 % which is false. They're claiming that because I had my money refunded that my credit usage increased, however my credit usage is the same as it was when I opened my account in XXXX. I have not purchased anything nor have I used any of my remaining credit since opening my account. They have refused to look into the false reporting and are claiming that my account is current, which is true in terms of amounts paid and owed, but they are not reporting my credit usage accurately.

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 2020-10-28
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was settled through my lawyer XXXX XXXX with XXXX XXXX. 
This was a workers comp case. 
These are the payment made to XXXX  Hospital XXXX Check XXXX {$220.00} XXXX Check XXXX {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Voss & Klein, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received numerous calls from an unknown number. I received several calls from other business owners I barely know who received harassment calls from Voss and Klein LLC. I expressed in writing and verbally to know call third party individuals about this unknown contract with their company. They would not mail me or fax me proof of their client or any information.

I felt threatened and unclear on how or why this company is reaching out to me. I am reaching out to a consumer attorney because I feel my business and life are in danger. I want this company to handle business professionally and apologize for its business practices.

I googled the company and several folks online are saying the same thing that this company Voss and Klein harasses you and does not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hyundai Motor Finance are morons. I paid off the loan as confirmed by them on XX/XX/2020. In both XX/XX/XXXXand XX/XX/2020 they have reported on mine and my wife 's 3 credit bureaus we have been late 30 days on each month. This after we had a XXXX  balance. I put in a complaint with them last month and they did nothing, now XX/XX/XXXXshows ANOTHER 30 day late. My credit score dropped over 100 points and I am trying to get a mortage now. Hyundai didn't care and told me to dispute it with credit bureaus myself.

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 2021-01-26
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
I am having trouble accessing my Equifax account. When I call Equifax they tell me my social doesnt match my name in their system I have tried this process over 10+ times. They told me to send them verification documents. Ex. Social security, Licensed. After documents was sent in they sent me a card in the mail, which said we received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently : You have not actively used credit in the past ten years : You have not lived in the United States or have not been issued a U.S. social security number I also sent them the documents via fax as shown in the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
i transfer my money using my edd debit card to my chase bank but for some suspicious activity on my chase bank it was closed and then i called them and ask what will happen to the money that i transfer through my chase bank, they said it will go back on my account but until it hasn't posted on my edd debit card, i did the transfer last thursday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: MO
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:
THIS IS XXXX XXXX. NO ONE ELSE IS SUBMITTING THIS COMPLAINT BUT ME XXXX XXXX! 

On XXXX XXXX I sent a dispute letter to Experian. I understand that they have 30-45 business days to respond with verification but they have not! I have been completely ignored! I am in the process of fixing my credit so their non communication is a very big inconvenience!

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XX/XX/XXXX Dear XXXX XXXX and or XXXX XXXX : On or about XX/XX/XXXX I contacted XXXX XXXX about misinformation the company made and placed on my credit report. I disputed the information and contacted the DAC, ( Delinquency Assistance Center ), a XXXX third party partner. I spoke with XXXX who told me XXXX had provided the information I was disputing to XXXX, XXXX and Trans Union.
Specifically, XXXX said XXXX reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said XXXX XXXX  and or XXXX policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting XXXX to request mortgage assistance.
I was approved for a reduction in payment plan in XX/XX/XXXXand thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless XXXX reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts.
Any payments not made on my mortgage occurred because XXXX  instructed me to not make payments until after my modification was completed. I did as XXXX instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from XXXX explaining its policy with supporting legal documentation.
I look forward to hearing from you.

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information  per the new law. The bankruptcy XXXX listed does not include this information and should be deleted. I have disputed this bankruptcy several times and the data has not been updated since the new law took effect. Per the dispute with Transunion on X/X/17 that was completed X/X/17 the last time the bankruptcy was verified was on X/X/17. The address that Transunion is claiming was used to verify the bankruptcy as mine XXXX XXXX XXXX XXXX IL is not mine and does not belong to me, nor is that address listed on my Transunion 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 2021-11-03
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and with the balance of {$21000.00} as reported in my Equifax Credit Bureau. Lets correct this immediately. The Equifax Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation