BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In Approximately XXXX of 2020 my Mortgage Servicing co. Fay Servicing Offered me a forbearance due to the Pandemic and loss of income as my job put a group of us in standby status. No work, no pay. They refused a deferment said it was for veterans only. Didn't let me start paying current amount and defer the late payments. Wouldn't let me refinance either. The forbearance was two 6 months terms which was a year. At the end still refused to refinance and told me 3 to4 different stories about refinancing. One was 3 months into the mod, next 6 months into mod last 1 yr into mod before I can refinance, Although they said and the paperwork said that refinance was one of the options from the start they told me and the beginning of the mod that they didn't offer me a refinance was because i didn't ask for one. That was so untrue. Halfway through the mod trial period, which I had no choice but to accept, they threatened me with foreclosure. I called they said that the letter was a formality, not to worry they do that until the final trial payment is paid. Again, they refuse refinancing, so I started looking on my own and when they found out they sold my loan to XXXX XXXX. XXXX said they had no record of the loan. It.s has taken until today and we still have no resolution because XXXX is saying the mod have changed but they don't know what to or why. They said they are launching an investigation but there actions are somewhat suspect also for accepting a questionable mortgage and never calling me about the mortgage but now tells me its in-foreclosure status because for 3 months they can't accept payments because something has changed and they don't know what or why, yet they want proof from me that payments were made even though they said the can see the payments were made. Its a ploy to get me behind and then try to take my home because the games they are playing. It's deplorable and need to stop. The stress and expense I am going through haven taken a toll and I want it stopped, corrected and compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: BMW Financial Services NA, LLC
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW/ XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: AC AutoPay LLC, Denver, CO Branch
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I signed loan documents for XXXX XXXX XXXX XXXX through Autopay on XX/XX/XXXX. I was told a payoff check would be sent immediately and my 1st payment would be due. XX/XX/XXXX with XXXX. Its XX/XX/XXXX, my old loan has not been paid off, which now has 2 payments due on it. I have already received a bill for the new loan. Autopay did not do as promise and now has put past due payments on my credit. They do not respond to calls or emails. They will only text, and still did not answer my questions.I was told there was no tracking number, but when my husband called he was given a tracking number. I would not recommend using them at all!

Company response to consumer: Untimely response
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: CA
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 XXXX Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information,  I do not have an original account with them or any signature saying they could collect on me. I asked for validation  and verification from the debt collector according to FDCPA rules.  They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance.  This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.

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 2022-08-17
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contacted TD Bank several times over money being improperly dispensed and not put back into the account that was mishandled. I " had made several calls and in store visits to ear up errors made by lazy staff. Still no luck and no help in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: C & M Associates Group, Inc.
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:
In the years of XX/XX/XXXX-XX/XX/XXXXsome stole my identity and proceeded to get credit cards taken out under my name. I was unaware until I started to receive calls about money I owed. At this point I check my credit report and found many cards and accounts opened that I never applied for. Next, I went and filed a police report and signed an affidavit stating the charges made under my social number were not mine. The police report is dated XX/XX/XXXX and XX/XX/XXXX case number XXXX ; Agency ID XXXX. If this point I reach out to all the companies that were not my accounts and got letters stating the debits would be removed and I would not longer be bothered. Just to name some of the other accounts that were Identity theft account XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. All the accounts were closed and never heard from again except for XXXX XXXX   this account was never closed and marked as identify theft since every year since XX/XX/XXXX I have received a call from a lawyers office stating I owe the money and that a judgement is being filed against me. I proceed to send them Police report, Signed Affidavit and letter from XXXX stating they have removed the debt. Normally they say OK and sorry to have bothered you. But now I have another company threating me again saying they have all information and yet are still going to proceed with the judgement so for 17 years I have been harassed by these companies due to XXXX  not standing by the letter they sent us and keep selling off a debt I do not owe. Also I would like to note that when this was all happening my personal information the credit report companies have a lot of misinformation such as wrong birth dated, wrong mailing address, and said I was married and at the time I was not and never had been. At this point I am not sure what needs to be done since I have done everything I was told to do and yet nothing has changed. And finally I have never received an email or letter saying I owe a bill.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am requesting and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Figure Technologies, Inc
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Figure ( https : //www.figure.com/ ) advertises a home equity line of credit ( HELOC ) product. On XX/XX/2022, I submitted an application to receive a rate quote. However, once I submitted my application, it became apparent that their HELOC product more closely resembled a home equity loan product. 

If lent to, I must take 100 % of the HELOC proceeds at closing. For instance, if my total line was {$100000.00}, I would have been forced to take {$100000.00} at closing. They claim it's an " open line '' because if I make principal payments, I may then borrow up to the initial $ 100k during the " draw '' period. 

I believe this is intentionally deceptive advertising and does not meet the criteria of a HELOC product, where an initial draw is optional. Please investigate and potentially make them reclassify their existing " Figure Line of Credit '' product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau to see if a collection can be rectified. I have tried to request a full accounting of the {$2500.00} XXXX XXXX states is owed to them. I requested that I receive an account summary of my payment history, especially the first date in which a payment was at lease 30-days late. Now I have two collections for the same account posted on my credit bureaus, which is unfair and a violation of the Fair Credit Reporting Act as well as an abusive collection practice according to the Fair Debt Collection Practices Act. Therefore, I request a full accounting summary, not necessarily copies of previous invoices. I believe that at least one of these collections should be deleted as it shows a double negative hit on my credit report, creating duplicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I contacted Experian regarding potentially negative remarks on my report XXXX XX/XX/2022 at XXXXXXXX XXXX at number XXXX ( XXXX ) XXXX. I spoke with customer service agent XXXX who asked for my personal, private and confidential information but would not give hers. A few of the accounts have been settled and paid in full. I attempted to ask the agent " Why are several of my account potentially negative when they have been closed and paid in full? She could not give an answer that I deemed suitable. I asked to be escalated to management and this agent refused. I asked for agent id number and representative refused. I would like my account to be closed with Experian as I do not trust the teenagers that have privy to my personal, private, and confidential information. I would only like verified Veterans over my portfolio as I am a Veteran. I would like someone to respond to my complaints via my email : 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 2020-04-21
Company: Trident Asset Management, L.L.C.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have talked to them and told them this was not my debt. I have disputed it with credit bureau. The whole account is fraud and mixed up with another person that stole my identity. I sent the police report to credit bureau as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Tower Loan of Mississippi, Inc.
State: IA
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:
The tower loan is showing outstanding when it has been paid in full. I have asked them numerous times to correct it as it impacts my debt to income ratio when home or car shopping etc. They simply have not and will not practice 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 2022-05-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wellsfargo denied claim XXXX several times for almost two months before finally taking action. I received mail that my funds would be available & there is no affect no my account which remains in the negative still.

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 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX I submitted a complaint through the CFPB about Capital One and their lack of compliance in accordance with consumer protection laws and bills of exchange. I am the ORIGINAL creditor and they are the assignee. Pursuant to 12 CFR 1002.2 ( c ) ( 1 ) ( i ), the term application is an oral or written request for an EXTENSION OF CREDIT and " credit '' is the right granted to a debtor to defer payment which means I did not request a cash money loan from Capital One. The complaint number is XXXX. Capital One responded in complete denial of their lack of compliance and closed my account which they do not have the power to do without my consent which is IDENTITY THEFT. They said that the " Acceptance for Value '' method of offsetting a debt payable to them with my endorsement as authorized representative wasn't good enough. My method of payment is clearly explained on the FDIC, FTC, and CFPB websites under " tender of payment '' and " bills of exchange ''. 3-603 When tender of payment to a person entitled to enforce is refused, there is a discharge to the extent of the amount of the tender. To my knowledge, banks do not loan money pursuant to 12 usc 1431 which leads me to ask, what type tender of payment are they looking for if they do not have the power loan me cash money?. Financial institutions are in the business of purchasing securities which they are not authorized to loan in their own stock. The banks are bankrupt and have been since 1933. According to 18 usc 8, the UNITED STATES XXXX is responsible for all indebtedness after it surrendered everything to the federal reserve. Capital One knows that these laws derive from the HJR 192 of 1933 when all the lawful gold was confiscated. They are also violating my privacy by sharing my NON-PUBLIC PERSONAL INFORMATION to the consumer reporting agencies without my consent according to 15 usc 1681b permissible purposes. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Tried multiply times trying to link my bank to credit card company

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 monetary relief
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX keeps putting back a collection charge that was once removed and it is destroying my credit I need to email you my proof that it is completely paid off back in 2018. It shows up on all my credit scores and they dont have an email where you can send the proof it makes me mad that most people do not have fax machines or snail mail and I want this off my record. I have worked very hard to pay off all my debt and is destroying my life My name is XXXX XXXX the charge is for {$880.00} and was completely paid off by XX/XX/2018. I would like to send you copies of the charges paid.

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 2017-05-30
Company: EQUIFAX, 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:
I am writing to dispute  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: IA
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:
The tower loan is showing outstanding when it has been paid in full. I have asked them numerous times to correct it as it impacts my debt to income ratio when home or car shopping etc. They simply have not and will not practice information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from PayPal on X/XX/17 for {$100.00} with my credit card. The item received was not as described. Later in XXXX 2017, I disputed the charge through the credit card and received provisional credit. I then received a questionnaire from the card company dated X/XX/17. I filled out questionnaire and returned with documentation of emails and text messages between myself and seller to card company via certified mail number XXXX. On X/XX/17, I was rebilled the charge to my credit card. I contacted paypal to see if I could submit a dispute with them. I was ultimately told no ; however, through my inquiry process I was informed that my credit card company disputed the charge with paypal using the reason " item not delivered ''. My credit card company received proof of delivery from merchant and subsequently rebilled me. I did not dispute that the item was delivered, my dispute was that it was not as described. I informed the card company of this when I initially made the complaint, and in the questionnaire sent via certified mail. I disputed the charge again on X/XX/17 with the credit card, yet I did not receive a provisional credit. This dispute has not been resolved since X/2017 and has thus far been processed erroneously. Merchant represented in XX/XX/XXXX text message that he could work with files. I paid, only to receive unusable files. It was only on XX/XX/XXXX, after I paid, that merchant said he could not be sure by email. Yet he clearly represented he could work with files before payment.

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 monetary relief
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is currently reporting several accounts as charge off accounts. These loans were paid in full via a loan consolidation.

Company response to consumer: Closed with explanation