BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-11
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had two Federal Tax Liens filed against me. I have worked extensively with the IRS and XXXX County Court Clerk to resolve this issue. Consequently, the IRS has issued WITHDRAWAL OF TAX LIEN for both tax liens. The XXXX County Court Clerk has recorded both tax liens as ( WTL ) WITHDRAWAL OF TAX LIEN. However I ca n't get EQUIFAX to report these items correctly on my credit report. This is very frustrating. I have worked hard to correct my credit and I have. But I ca n't get EQUIFAX to report them correctly on the credit report. The other XXXX ( XXXX ) major credit bureau 's were competent and prompt in deleting the tax liens from their credit report. But for some reason, EQUIFAX refuses to report credit correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A man called and said he was with Dynamic Recovery Solutions ( he called my cellular telephone ) did not identify himself 'only that we wasnted to discuss a personal issue. 

I did not call back -after I read Ripoff report and all of the other compliants on line. They did not even say who they were calling for. 

Seems like a scam

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-01-24
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My name is XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX, phone XXXX. I am a customer of TD Bank here in XXXX XXXX. I had never had a savings account with them, but had CDs with another bank. I received an ad from TDBank saying that if I opened a new savings account of {$20000.00}. with them from another source that I would receive a bonus of {$200.00}. after 90 days of deposit. I did this on XX/XX/XXXX, I went into the bank, sat at a desk with an agent who explained what the new account was all about. I deposited a check for {$20000.00}. from the XXXX XXXXXXXX XXXX to open my new TD savings account. No one said anything about it having to be opened ON LINE, which is claiming is the reason I didn't get any bonus. After 90 days I I received a statement saying that I had earned XXXX CENTS interest!!! Wonderful. I called, went into the bank, fussed for 2 weeks and have had NO response from them other than they are WORKING on it. .The email that had lured me into their scheme is still in my here in my email file. I can forward it to you if you want. Had I left my money in the CD at XXXX  I would have made {$12.00} ub the 90 days. I am filing an official complaint, FALSE ADVERTISING. I would never send my moneyto an email that I didn't trust its source. SURE, it said TD Bank, but have been a scam from anywhere. 
Please help me. I am XXXX XXXX XXXX and my money is important to me. -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Service Finance Holdings, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My husband and I signed a " Retail Installment Contract '' with Service Finance Company , LLC for the purchase of new laminate flooring for our property in XX/XX/XXXX, with a set payment amount each month. When we began the process of selling our home in XX/XX/XXXX, we discovered that a lien had been place on our home for a past due payment to Service Finance in XX/XX/XXXX. We never received paperwork or notification of this lien. The loan balanced was paid in full when we closed on our home in XX/XX/XXXX. Service Finance, LLC ensured us that this loan was only an installment loan and was not tied to a mortgage on the dwelling, however, the credit bureaus have this loan classified as a mortgage account. Service Finance, LLC will not appropriately reclassify the account after multiple attempts to resolve this error at the consumer level.

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 2020-08-06
Company: Mr. Cooper Group Inc.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I am contacting your organization to file a complaint against my mortgage company Mr. Cooper. I have been trying to resolve my delinquent payments and get them to review my updated financial information for loan modification but their agents have obstructed the process. I am told that I am eligible for review and that I need to send in updated paperwork, and I follow the instructions but when they receive it I start getting the runaround and they never actually look at the information. I am now facing foreclosure because Mr. Cooper won't do their job and review my updated financial information which documents positive changes in income. I have owned my house for 15 years and I am scared I will have my house sold at foreclosure auction. I worked for years a XXXX XXXX   but due to XXXX XXXX had to take an early retirement. That is how the whole problem started. 

I applied for a loan modification in XXXX and was approved and I made my payments as agreed. As explained I was diagnosed with XXXX XXXX in XXXX. I had to take an early retirement from my job as a XXXX XXXX. I applied through Mr. Cooper for a mortgage modification since my income had decreased and I had major health issues and bills. I ended up getting approved in XX/XX/XXXX and was offered a trial program, but this modification only lowered the payment {$50.00} a month and I could not afford the payment. I tried to appeal and get a new review initiated, but have been stuck in the abyss with Mr. Cooper ever since. 

When I contact Mr. Cooper to re-apply for a modification I am told that they need updated financial information about my current income to be reviewed. I explain that I receive SSI and now I also receive a pension and that this is the current and correct financial information. There is some kind of disconnect with their agents, because they always fall back on telling me that I was already reviewed and that I need to provide information on additional income. When I provide this information, I am STILL told that I am not eligible for a new review and that the only possible solution is to make one lump sum payment of all past due amounts. 
Mr. Cooper 's agents won't even conduct the review, they act as gatekeepers and deny me access to homeowner programs designed to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I wanted to open Citi Priority account following this link : https : //banking.citi.com/cbol/priority/offer/default.htm? venue=GoogleBR & cmp=knc_acquire_2106_BAUCHK_Priority_Google_BR & gclid=Cj0KCQiAubmPBhCyARIsAJWNpiMG1y2vZJ_TCcRmbiglwYI6HgTTaWu8-sDqICXGWK-9rr-J7rLC-w0aArfcEALw_wcB & gclsrc=aw.ds & BT_TX=1 & ProspectID=B094A7EB13404DE69A8EADDAD9B2785C Provided all the information and then I got one obstacle which is more of a issue from Citi side as they have hired cheap XXXX XXXXXXXX XXXX  to do their IT work. 
Due that hurdle, it asked me to call on that # XXXX which i did but nobody was there. Then I got one rejection letter with the file number ending in XXXX but even if I call that number there is nobody picking up even after 45 minutes of wait time. The letter states that Citi is " unable to verify information on consumer report ''. Moreover Citi didn't provided which consumer report agency I need to reach out to?

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 2016-06-28
Company: Midwest Recovery Systems
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX XXXX XXXX. I have never applied for an account with XXXX XXXX XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midwest Recovery Systems representatives in regards to the unauthorized and fraudulent account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: TX
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 have 2 credit cards that are inaccurately not reporting positive history on my credit report. This is negatively impacting my score as I currently do not have positive payment history and new accounts to create a credit score. I am requesting the following accounts to be updated and reflected on to my credit report : 1. XXXX XXXX XXXX XXXX opened XX/XX/22 for {$200.00} with Exceptional payment history that is not reporting. 
2.XXXX XXXX XXXX XXXX opened XX/XX/22 for {$200.00} with exceptional payment history that is not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
XXXX. XXXX XXXX XXXX XXXX XXXX bank. 
XXXX. XXXX XXXX Bank XXXX All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
1. XXXX XXXX  2XXXX XXXX 3.XXXX XXXX 
4. XXXX XXXX XXXX 5.XXXX All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I spoke with XXXX XXXX on today XXXX XX/XX/2020 once again to verify if they had received my insurance payment from XXXX XXXX XXXX insurance. 

The associate advised me that XXXX would continue reporting me 60 days past due even though that had received a payment of {$4900.00}. I was advised payment would only go to principal and not the past due. 

I am reporting XXXX for two reason. 
Predatory lending : I was put into a loan on a used vehicle without GAP insurance, but an extended warranty which I paid for two years ago. I have had my loan for 2years and owe more on the car than initially purchased. 
Second reason : Poor Credit Reporting, any payment made on a loan is typically reported to the past due. 

Car loan also would not consider lowering the monthly payment to at least 80 % less considering I no longer have a care. 

Please advise if this if fair is considered Fair Lending practice. I feel this is a discriminatory case as well because I am a XXXX young male. 

Thank you 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 2020-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, Portfolio Recovery Associates, alleged I owe on an alleged account with XXXX XXXX. I responded with a debt validation notice, disputing the account and balance, and requesting documents from the original creditor, transfer of debt, and other information within thirty days, or to delete this account. My request was received, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX. On XX/XX/XXXX, Portfolio Recovery Associates, did respond. However, no requested materials, or attached documents were provided whatsoever, only a statement from Portfolio Recovery 's Disputes Department. On XX/XX/XXXX, I again reached out to Portfolio Recovery, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX, stating their prior response was unsatisfactory, and again demanding materials. Portfolio Recovery never responded. Please see the attached documents and receipts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please provide validation of the debt and method of verification for this account : LVNV FUNDING LLC / RESURGENCE CAPITAL , LLC # XXXX I'm not familiar with is account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: AR
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:
RECENTLY APPLIED FOR AUTO INSURANCE WITH XXXX XXXX AND WAS INFORMED THAT EQUIFAX AND XXXX HAVE PLACED A SECURITY FREEZE ON MY CREDIT FILES WITHOUT PERMISSION SINCE XX/XX/2015, THEY ARE TRYING TO COVER UP FROM SECURITY BREACHES OF THE PAST! THEY BOTH ARE AWARE OF BREAKING THE F.C.R.A. U.S.C. 15 Section 1681g and the DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My husbands student loans were paid in full in XXXX of XXXX. We received a letter in XXXX of XXXX from Navient that his student loans were paid in full. In spring of XXXX we started receiving calls from XXXX XXXX stating that he still owed over {$5000.00} on his student loans. Our bank provided us with copies of the cancelled checks which we and both the bank had mailed to them. We also emailed them along with the letter from Navient showing that that they had been paid in full. I contacted them to see that they received the copies of payment and they told me it could take up to 2 weeks to make a decision. I received a letter from Navient showing a copy of our payment history. Nowhere in this history did it show the pay off in XXXX of XXXX. We received another letter from the Department of Revenue that the Department of Education had taken our entire XXXX tax refund ( {$5000.00} ) to pay off my husband 's student loans. We then received another letter from Navient that stated we still owe $ XXXX dollars to them. When we call Navient either they mysteriously can not find our loan or tell us it has been paid off. The bank had informed us that it is still showing on my husbands credit report and they know it has been paid because they sent the payments to Navient. I have exhausted all efforts and my next step is to contact an attorney if this can not be resolved.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In XX/XX/2020 the FICO credit score that I receive from my bank dipped by 50 points. My bank explained that my score dropped due to the " length of time revolving accounts have been established, '' meaning there was a new credit card account on my credit report. I pulled my free credit report from TransUnion and found that there was a new credit card with a {$400.00} or so credit limit. It had not been used. 

I did not open this account. I filed a dispute online with TransUnion explaining that I did not open the account. TransUnion dismissed the dispute on XX/XX/XXXX. 

I called XXXX and disputed the account as unauthorized the next day, XX/XX/XXXX. On the phone, I gave the customer service representative some of my contact information. She claimed that all the information I provided was also what she had on file, except the email address. She would not tell me what email address was on file, but she confirmed that it was not my email address. 

XXXX mailed a one-page letter dated XX/XX/2020, the day after receiving the dispute, claiming it " thoroughly researched [ my ] dispute [ and was ] unable to find evidence of unauthorized activity. '' I did not open this account and it is hurting my credit score. I suspect either ID fraud, or XXXX employees are opening unauthorized accounts to meet quotas, similar to the XXXX XXXX fake account scandal. 

XXXX 's investigation was clearly insufficient. They had evidence that the email address used to open the account was not my email address. In addition, I filed a report claiming it was unauthorized before the card had been used. Why would someone lie and report an UNUSED card as fraudulent. They would get no benefit from that. If a consumer disputes an account as unauthorized before using it, that should be per se proof that it is an unauthorized account. At the very least, they should have closed the account after I complained.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX, I went into XXXX to set up new service on a phone. I asked several times if the transunion pull was a hard or a soft, and I was told soft by the store. We spoke to the credit bureau, and they informed me it was a hard pull. I told them I did not want to move forward, but thanked them for their time, and transunion pulled my credit anyway. When the XXXX XXXXXXXX  representatives told them that they asked them not to pull my credit, transunion hung up the phone. Ive called them at least XXXX times to report this and they keep hanging up.

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 2020-09-06
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts listed in my credit. Please remove it.

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 2020-09-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my second time disputing and requesting information from the credit agencies and the company involved. I attempted to dispute this with XXXX and XXXX, but neither credit reporting agency is providing any information that I've requested other than to verify my name. ( XXXX confirmation # XXXX, have not heard back from XXXX ) I have asked for a bill/invoice with a breakdown of all charges, as I have not done business with the company ( NCS ), and am not about to pay them {$2600.00} simply because they have my name. National Credit System continually updates my credit report as 'dispute resolved ' without providing what I've asked for. Simply verifying my name is not a bill or a breakdown of charges owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$520.00} XXXX  XXXX  XXXX Balance : {$310.00}

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