BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is to raise a concern on the mortgage servicing practice carried out by my lender - Home Point Financial ( which is now Home Point ). Our loan was sold off to this company right from beginning. At the time of closing, we couldn't afford to make complete 20 % so we had to pay PMI until we reach so. Now with additional principal payments I should be able to reach there soon and avoid the PMI and this is where the problem started since I had to work with the Mortgage company. 

I contacted the company multiple times regarding this and they mention the only way I can do something is to e-mail at XXXX. There is no phone contact number to them. Also their response time to every mail is 60 days!. I have been trying to reach them through e-mail couple of times now and they never get back. It is unacceptable for people like me to pay PMI even after reaching 20 % only because the mortgage company is slow in working on it. 

Apart from this I have also been trying to setup bi weekly payment with this company for 1.5  months now with multiple calls and 2 times form submission with required documents. However every time I contact them, the customer care tells me the bi-weekly payment is still not setup. 

These lending practices are simply awful and are a nightmare to everyone. Any improvement in this regard would be very useful to millions of customers like me. Also please help me get a response back from PMI team on my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-30
Company: ALLY FINANCIAL INC.
State: AZ
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:
my credit report was obtained from the following companies without my authorization and is causing extreme damage to my credit score.

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 2021-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My family and I have been in the process of closing on our new house since the original date of XX/XX/2021. We began the mortgage process back in XXXX on the XXXX. Our loan officer at Bank of America, XXXX XXXX, has been stalling and/or unresponsive for most of this process. He will respond hours to even a few days later and never give all information slowing the process. 
For the past 3 weeks they have been telling us that they needs verification of my employment, however ; after 6 different attempts and steadily stalling it still had not been completed. We have accumulated over {$1000.00} in hotel cost, over {$200.00} in storage fees for our household items, and all he does is laugh at our experience. We have a XXXX year old daughter and dog, we should be in our house, not a hotel room. After all the stalling and lack of communication, we are looking to loose our house over this. Can you please call us once you have received this complaint at XXXX. Thanks

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 2023-01-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX I had XXXX XXXX XXXX call me and told me they had approved me for a loan. I did research and thought this man that called was an honest and true lender. I gave them my account and routing numbers well this man somehow figured out my mobile banking information and decides to mobile deposit a fraudulent check into my account for XXXX. He made the check to me XXXX XXXX, but signed the back of the check with a different last name that I have never had. HSBC then proceeds to lock my cards and my accounts both checking and savings and are still locked today. I for the last month have heard that they were closing my account and sending me a check. Because I work for the state of GA we only are paid on the XXXX and Last working day of the month that was two checks in the bank they are holding hostage. I could not buy my kids XXXX, my daughters XXXX  gifts, cant pay bills, and had two cars taken from me because I had no money to pay for them. I have screen shots where I have chatted with the bank and them saying i would have my check in 2-3 days and yet nothing. I have spoke with customer relations reps but they refuse to close my account. I need that money desperately. I am a single mom and I am behind on everything now. Im having a XXXX XXXX XXXXXXXX in XXXX different days XX/XX/XXXX and XXXX so I will be out of work. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a summons from ( plaintiff ) and would like to request a validation letter of debt and a authorization to collect debt. With the pandemic of covid 19 and other personal hardships that has effect myself I can not confirm this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Credit Bureaus " EQUIFAX '' and " XXXX '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : EQUIFAX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX dated XX/XX/XXXX c ) Filing Reference Number : XXXX dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I've been monitoring my credit for some time now in an effort to improve my score. I utilize XXXX XXXX and check it weekly as well as whenever I get an update from them. I checked my score today XX/XX/18 and saw my Trans-union score dropped by 41 points and my XXXX increased by 53 points. I checked Trans-union details and saw the ONLY change was the REMOVAL of a hard inquire ( XXXX  ). I contacted Trans Union and the first gentleman that I spoke with obtained my SSN and current address which he said he was updating. After I asked why my score decreased with only that one change he advised me he could not tell me and when I began to press the issue I was disconnected. 

I called back a second time and reached XXXX who essentially obtained my SSN and current address again ( it was not updated as I was told ) and told me she could not tell me why my score dropped 41pts. I asked to speak with someone who could and was transferred to her " supervisor '' XXXX who told me the same thing : there are several factors that impact my score ( I know this ) and scores are always changing and dynamic ( I know this too which is why I keep an eye on it ) as well as go to the trans-union website to check my report ( they charge for this and I don't want my report I wanted to know why removal of a hard inquiry negatively impacted my score ). Essentially NOBODY could tell me why the removal of this hard inquiry, the ONLY change, negatively impacted my score by 41pts. 

I'm frustrated and angry as I've been working to improve my score and have NO assistance with this issue from employees that seem to be outsourced to XXXX. Outsourcing is not a problem, except I've now given my SSN, full name, and current address to each employee ( 3 ) that I spoke with and despite me repeating my address several times for the initial employee to update it in their system it was not done and I was hung up on, so I don't feel confident my information is secure in another country by someone who said they were updating it. I want to know why my score dropped by one hard inquiry being removed and if they can not explain it then I need it corrected as I do not feel an essential " oh well '' suffices.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
Company: Experian Information Solutions Inc.
State: PA
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:
the employer information is wrong I have been with the same employer since XXXX  and never report it. 
someone put realt mark associate this is a wrong reporting information please remove

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 2022-06-18
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called to try to resolve this issue plenty of times because its the wrong amount. I always have a copayment or insurance like XXXX or XXXX dollars to pay and I obviously did not get the invoice because I moved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Darnel Quick Recovery, 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: Account information incorrect

Complaint:
I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Radius Global Solutions LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-12-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I hereby file a formal complaint against Chase who is servicing my lease on behalf of XXXX XXXX no the account ending in XXXX. The lease end process resulted in increased charges and threats by Chase due to incorrect lease return information on Chase 's part. 

The vehicle was lease returned in XXXX ahead of its maturity date of XXXX 2020. At that time I leased a new vehicle from another manufacturer, this dealer made the remaining payments on my behalf. 

I received a " Notice of Intent to Sell Leased Vehicle '' on XX/XX/XXXX20 stating that there is a " Gross Early Termination Amount of {$40000.00} '' as a balance due to early lease termination. This is incorrect as I did not terminate the lease early as all contractual payments were made. I confirmed my assertion with Chase via a phone call on XXXX where the agent confirmed that all 36 contractual payments were received as of XX/XX/XXXX. In addition Chase sent me a letter dated XX/XX/XXXX20 stating that " The remaining balance owed on your lease is {$0.00} ''. 

On XX/XX/XXXX20 I received a letter from Chase stating that " The remaining balance owed on your lease is {$860.00} and it is due now ... You can refer to your lease agreement on how your Early Termination Liability was calculated ''. Again, this was not an early lease termination, but rather an early vehicle return where all 36 months payments were made. 

In order to avoid negative credit reporting and collection efforts I paid the {$860.00} over the phone on XX/XX/XXXX as the agent did not seem to have any information regarding the prior communication received from Chase and said they would have to investigate the issue. In addition the agent read the Mini Miranda stating that this was an attempt to collect a debt. 

I hereby formally dispute the lease end amount as the vehicle was not an early lease termination as Chase provided information that all contractual payments under the lease were made. I believe Chase 's lease end process does not have appropriate controls in place with XXXX to ensure appropriate vehicle grounding information to support lease end of lease processes and avoid threatening letters to its customers. At best this is unfair treatment and from a customer perspective I felt deceived by Chase and am now paying additional money at lease end as Chase calculated a " Early Termination Liability of {$2500.00} '' resulting in a " Total Amount due of {$860.00} '' whereas the lease end vehicle condition report states a " Total Amount due of {$530.00} ''. As such I believe Chase overcharged me at lease end by {$330.00} due to its lacking internal controls at lease end. 

I am issuing this complaint with the ask for Chase to refund of the overcharged amount. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: The Affiliated Group, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The Affiliated Group has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
On XX/XX/XX/XX/XXXXI applied for a consolidation loan at XXXX XXXX. 
I notified the XXXX XXXX  officer that I had just checked my credit score on Experian and that it waw XXXX. ( email provided XXXX XXXX XXXX On XX/XX/XX/XX/XXXXI received a rejection / denial letter ( date XX/XX/XX/XX/XXXX ) stating several misleading items from the bank citing what Experian was indicating was the root cause of the rejection. 
*** a ) Credit score on letter XXXX => On same day my credit score via Experian Web account XXXX. 
b ). Length of time accounts have been established = screen print to dispute this with Bank and Experian FROM Experian web site 23.4 years ... Makes no sense. 
c ). Serious Delinquency - I have one account that a XXXX  firm mucked up and is overdue, I am in the process of repairing the damage. All other accounts are current print screen available showing " Excellent Payment History ''. 

The above reasons are in my eyes bogus. I was denied a loan to consolidate those credit cards due to inaccuracies in Experians reporting. 

Further more, I reviewed my entire Experian report, it states 5 Bad Payment accounts. 
I can only find ( 2 ) out of 13 accounts. XXXX XXXX XXXX XXXX  visa card - resolved, & XXXX XXXX that is closed and is being resolved ( see " C '' ). 
Previously I had a LOAN for XXXX  on this report which Experian was marking as over due when it was paid off in XXXX. I believe that these delinquency marks were never removed. 

In closing, I am trying to clean up my credit, I am doing the right thing by trying to consolidate and Experian keeps messing up my report. 

How can I trust what is on the report or ANY Credit Bureau, when what is being shown is inaccurate. To me when I see a credit score of XXXX and they are reporting on the SAME DAY XXXX a 22 Point difference that is pure neglegence and failure to do what they are supposed to be doing.

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 2022-09-08
Company: Experian Information Solutions 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:
On XX/XX/2022, I submitted a complaint XXXX requesting to have an investigation completed. As of XX/XX/2022, XXXX, XXXX and Experian has not completed the investigation. 

It has been over 30 days and all of these consumer reporting agencies are in violation. 

XXXX, XXXX and Experian have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

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