BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I hold XXXX fully responsible for this derogatory collections on my credit report with Transunion. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. XXXX as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then XXXX has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. 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 2015-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report contains information from the XXXX. There are XXXX annotations on my credit report, XXXX indicating a reposession and another indicating a charge off. The last payment on either account was greater than 7 years ago. The account indicating reposession shows a last payment date greater than 7 years. The account indicating a charge off has a last payment date within 7 years ; however, no payment was made within 7 years. The accounts should have been removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted Transunion in regards to a Public record on file, ( Tax Lien XXXX County City Registry ), First letter i send in requesting to verified this file, I send my Copy of my social and License along with all my letters. They respond was that they need more information. I sent in a second letter, they respond was that this dispute looks suspicious, i responded to letter and preceded to send in a third letter and they respond was that the information im disputed information is not on file. I call to see if that would help instead of sending letters. They explain to my that the last letter saying that disputed information is not on file was a mistake. but the intended letter, show be that file was verified. I ask for the letter the representative stated that letter is populated ( not sure what it mean ) and cant be reprinted. I have all the proof i send then letter to verified this information.

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 2016-04-11
Company: Arbor Residential Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca Mortgage Servicing is infringing on my rights as a senior citizen ( over XXXX ) to pay my real estate taxes in accordance with Texas law section XXXX which allows taxes to be paid in XXXX equal amounts due XXXX, XXXX, XXXX and XXXX without penalty or interest. I 've been doing this for the last 14 years with no problem. On XXXX, I received a letter from Seneca regarding non payment of delinquent taxes even though I was on schedule and my taxes were being paid. They gave me 30 days to contact the office for resolution. I contacted their office on XXXX and they informed me that Seneca had already paid the taxes on XXXX and an escrow account had been set up. I 've made XXXX phone calls to the Seneca tax office and customer service with no resolution. 
This is an obviously ploy to unethically/illegally set up an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Roundpoint claims I have thousands of unpaid escrow and now they are foreclosing my home. They have been terrible to work with and have not been in contact with the township at all!

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 2015-10-28
Company: TCF NATIONAL BANK
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Constant contact from Gateway One Lending to cellphone, employer, family, and friends. In one month contacted job over 50 times and left 32 voicemail on cellphone. Gateway has been advised previously on 2 occasions not to contact me anymore regarding debt, especially not at place of employment. On XXXX/XXXX/15, XXXX with Gateway told the receptionist at my job that he need the office manager to provide him my employment information so that he can Garnish my wages. He has repeatedly contacted my employer pretending to be someone other than a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Forster & Garbus LLP representing XXXX XXXX XXXX XXXX violated NYS Banking Usury Laws by charging 25 % interest rate on an alleged debt. The authenticity of the contract along with other documentation provided to us is in question, especially when none of them shows the actual Bill of Sale or Assignment of the original lender on the contract " XXXX '' to XXXX XXXX XXXX ( XXXX ), XXXX with the account number XXXX. There is documentation showing the said account highest balance of {$7400.00} and on our credit report there is a judgment of almost {$17000.00}. We have requested an itemized description of all debits, credits, charges, including interest rates and attorney fees but we have not gotten any documentation showing how they arrived at the final sum or any paperwork with itemized deductions or credits, etc. from " XXXX. " More importantly, they have violated the FDCPA laws by1 ) Not ceasing all collecting activities upon request for verification of debt. 
2 ) Has failed to provide an explanation of debt3 ) XXXX XXXX, a customer service representative from Forster & Garbus LLP was extremely rude on the phone when asked to explain why collection activities were still going on and we have sent a validation letter4 ) The service provided or lack thereof, resulted in additional damages to our credit, personal income and health5 ) They never initially informed us that we had a right to dispute the debt6 ) unethical collection practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: TCF NATIONAL BANK
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from a small car dealership in XXXX Arizona. I had the vehicle for a little over a year now. I went to go trade the vehicle in at a big dealership and when the sales manager pull the XXXX and XXXX on the vehicle to find the vehicle 's odometer has been rolled back. I signed for a vehicle with XXXX miles. It really has XXXX miles. Earlier last year the dealer filed a restraining order on me because he stole my wifes car and he wanted to keep me away from it while he was ripped everything that we own out of the vehicle along the sums of about {$1500.00} worth of items. The police would not file a stolen items chatge on the dealers owner. I had no way of contacting him and getting to the bottom of the situation through the dealers owner. I contacted the bank and the bank told me that I 'm still responsible to pay for the vehicle which is {$15000.00} more than what is actually worth. I finance the vehicle for {$19000.00} and the owner of the dealership knew that the vehicle 's odometer has been rolled back and still sold it to me for {$19000.00} even though the vehicle is only worth {$5000.00} trade value. I have all documents to show that this vehicle was at XXXX miles when I sign for it. The dmv has documentaion thatvthe vehicle is signed for has almost XXXX miles on it.This dealer has been doing a lot of scamming to the public people of Arizona and the state of Arizona is not doing anything to prosecute him or recover anyone 's damages, I still have to pay for the murchandise that the owner stile out of my famikystuff car. I ca n't afford a lawyer. I know I am part of a struggling working family and I ca n't afford legal representation because they are very expensive. The dealers owner has numerous law suits against him so recovering losses may be out of the question.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for " repairs '' that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either did n't owe or were for things that they could not charge for by law. 

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections. 

This is causing us serious financial and XXXX. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars. 

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels : XXXX/XXXX/XXXX : we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said " you need to have the collection agency remove. We just ask them if it is valid. '' XXXX/XXXX/XXXX : we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof. 

XXXX/XXXX/XXXX : we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XXXX/XXXX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied. 

XXXX/XXXX/XXXX : we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.

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 2017-03-22
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to the Roundpoint Mortgage Servicing Corporation last year. I received the letter from the city stating that I did n't pay the taxes for the last year and and I am charged {$200.00} penalty fee. My account is set up as an impound account ( have escrow and money is deducted automatically each month ). The Roundpoint told me that they payed the taxes in XX/XX/XXXX they will research this and will get back to me by XX/XX/XXXX. Second issue is my mortgage increased in the amount of {$210.00}. 
The Roundpint told me that my home value went up. Looking at the public records the last time property value changed was in XX/XX/2011 when I purchased my home. I asked them to send me a detailed report so I can understand how did they get to the amount of {$210.00} increase and the proof of tax payment. They told me that this conversation is recorded and they can not send me anything in writing. I feel that this amount of {$210.00} is wrong and they are lying to me about taxes being paid. The customer service representative XXXX did not let me to talk to the supervisor.

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 2015-07-07
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company has our home insurance in escrow. They received our insurance bill in XXXX of 2015 for the XX/XX/XXXX payment. In XX/XX/XXXX, we received a phone call from our Insurance agent stating that our insurance was about to be canceled, due to lack of payment.We contacted our mortgage company asking why they did not pay. They gave us the run around, no one giving us a straight answer. I told them to pay it immediately. I was then told, they were given a grace period and would send a check out in time to pay the bill. I got off the phone frustrated and contacted my agent to let him know it would be paid. Periodically, I called the agent only to find it had not been paid. I called again and got another run around. We received a cancellation notice for non-payment. I had to call my agent and pay my bill via credit card to prevent our insurance company from dropping us. I have called twice to see if our taxes have been paid and once again no clear cut answers just talking in circles. I am frustrated and concerned about where our money is going.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TCF NATIONAL BANK
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TCF bank paid a check of {$5000.00} from my account to unauthorized person, TCF was informed about the check since XXXX, but have refused to get the money back to me, keep telling me to wait. the last letter I received on XXXX/XXXX/16 from TCF stated the case will be resolved in 28 business day. but today when I called tcf to find out the status on the case I was told to continue to wait that TCF is not sure when the other bank the money was paid to is going to return the money. I think TCF do not care about how this is affecting me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
It is so unfortunate in XXXX we have companies that can affect our lives because of their ability to put things on our credit without our knowledge. Good credit is required for a lot of our jobs and each and every American should have the right to know if an entity is reporting negative credit about them. Upon looking at my credit report yesterday, XXXX XXXX, I was appalled to see XXXX report that a Blakely-Witt & Assoc. had a {$430.00} item listed for XXXX XXXX XXXX XXXX. I telephoned Blakey-Witt & Assoc this morning and was told this was for rent and late fees for a rental property I resided in from XXXX XXXX - XXXX XXXX. I asked gentleman for his name but he was not willing to spell for me as I could not understand what he was saying. He was very rude. I DO NOT OWE rent as it was paid in full in XXXX XXXX when I vacated the property. If any late fees are due, NO ONE has contacted me about them. I was told by XXXX ( leasing Agent - not sure of her last name ) they would accept my {$900.00} deposit as my last month 's rent & that all was good because the property owner was selling the house. By the way, this is the only reason I had to leave ( The property owner asked if I wanted to purchase, but I was in between jobs and could not afford at that time ). She also instructed me there was no need to clean. However, because of my own self -pride, the property was left in immaculate conditions. I would like to have this removed from my credit report immediately. Credit is something I take very seriously as I am in the process of securing a Security Clearance for my job. I am asking someone to PLEASE look into this ASAP. Thanks in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Big Picture Loans, LLC
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This is in reference to the Company by the name of Big Picture Loans. This company approved me for a loan in the amount of {$800.00}. When I spoke with XXXX of the representatives from the company she stated that it would be a one time payment of XXXX for the finance fee. Then I would be able to pay the additional {$800.00} off in monthly payments. She told me that they would automatically take the money out of my account unless I would call and specify otherwise. Well as it was getting close to the first finance fee payment I made sure all of the money was in the bank for the first {$280.00} to be deducted. Then out of curiosity to see when the next payment would be or the amount they would be asking for to pay off the amount that I borrowed was the {$800.00}. I realized that they did not send the lending disclosure until after the loan had been processed. The documents were not what was not the same as which was verbally contracted. These people had set me up to pay them {$6000.00} on the loan that was {$800.00}. I would have never accepted anything like this so I tried to contact them and XXXX of the agents kept apologizing for the misunderstanding of the conversation of the last representative. But we went over this several times about the finance fee just to be on the safe side. These people misled me and are basically stealing. They have access to my bank information and are trying to ruin my bank account pulling money that is not owed to them at a constant for {$6000.00} for {$800.00}. This is not right I then looked for complaints from other customers and come to find out that they were once called XXXX and that they had switched their names. And other people had the same incident as me. This is how I found out about Consumer Finance because of other people that this happened to. If someone could please help me to rectify this matter I would be greatly appreciated because these people are fraudulently attempting to steal something from me that I do not have or owe. Needless to say they are attempting to ruin my bank account that I have had for several years. Thank you for taking the time to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested a copy of my credit report from Equifax on-line, but could not get it, so I mailed in a paper request with the required documentation. In XX/XX/XXXX Equifax contacted me and said they needed XXXX document from each of XXXX categories. On XX/XX/XXXX I wrote back that I had already provided XXXX document from each category. Then they never wrote back and never sent me a copy of my credit report. I am a victim of identity theft, so I need access to my credit report to make sure it does not contain incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed Bankruptcy ( Chapter XXXX ) and debt from XXXX the following creditors was discharged/closed on XXXX XXXX, XXXX in XXXX NC Case # XXXX. XXXX Bank XXXX XXXX XXXX XXXX Ga XXXX ( {$3500.00} and continues to acrue on credit report to a total over {$5000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( {$1400.00} ). I have disputed the same debt with Equifax , XXXX four times since XXXX. They remove it for a couple of months then they re-report it. I have submitted copies of the original Bankruptcy documentation by certified mail in XXXX. Yet recently, I had to go back into their systems and file another dispute. Once it has been disputed once, it should be illegal to add it back to any of my credit reports as all credit reporting agencies have copies of the original documentation. I also sent documents to XXXX and XXXX Bank via certified mail in XXXX also.

Company response to consumer: Closed with explanation