BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-06
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous robo calls for a long time from XXXX XXXX XXXX, XXXX ( info on caller ID ). You do n't get a live person when you wait to connect to tell them to quit calling or find out why they 're calling. I have filed complaints with the Illinois Attorney General 's office and XXXX and received no response. I just received another call yesterday ( XXXX XXXX ) and want these calls stopped. If you do an Internet search, you 'll see many people complaining about this law office which is generating the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Us Bank - Is extremely ineffecient in covid19 mortgage modification/ forebearance plan servicing. In XXXX of XXXX I believe I was forced to pay instead of us bank having fair forebearance options. This caused a increased hardship rather than true payment workout plans. As a result Of COVID-19 I applied for a mortgage for forbearance month by month. Multiple times I contacted U.S. Bank to continue the relationship and in efforts to prevent default an excess of hardship. US Bank continue to not provide upfront information and allow consumers to make decisions including being denied to streamline process multiple times. When I knew I could afford my home and make payments. But US Bank instead made me do a complete request for mortgage assistance multiple times and as of this day of XX/XX/XXXX US Bank multiple times sent paperwork to the wrong address and then canceled the forbearance plan and multiple times and said that they will resolve the issue and they still have not. I have made a good attempt to make payments to US Bank for my home in US Bank home mortgage will not except my monies. This is causing an undue stressful hardship including Internet ability to really be a responsible borrower. Putting undue stress and hardship on me. I have had to constantly reach out to US Bank by phone and spent hours on the phone hours not minutes hoursI 've gotten a different answer each time and not a consistent answer I hope all my phone calls are recorded and can be reviewedAs of this date I had signed paperwork that was sent to me XX/XX/XXXX and Sent on time to US Bank with an acceptance by US Bank in Kentucky on XX/XX/XXXX The papers were received and then on XX/XX/XXXX they revoked or canceled the modification. As a result they had stated clearly by phone because I did not make my XXXX XXXX and XXXX payment. I was unable to make XXXX XXXX and XXXXXXXX XXXX payment because US Bank could not get the paperwork sent to the correct mailing address. They continue to send it to the home address knowing by multiple phone calls that I was not home due to working at a different location and needed to provide a mailing address. At this time US Bank is still not modified or completed the service in process will not except my monies. and it's causing me to be a extremely stressed borrower. I believe that my streamlined process was completely mishandled. I believe that I was provided in accurate access to affordable housing having an FHA loan and I believe that US banks and tents or not to provide a streamlined process. It's apparent that either they're just making it up on the fly and agents are just answering things just because but I am filingA complaint because I believe that my home will be put in the foreclosure for unnecessary reasons

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 2016-07-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are several inquiries on my credit report that I did not authorize. I have disputed with agency and no update has taken place. These inquires are affecting my credit score tremendously and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was taking advantage of after several of practices were broken under FCRA by your company. You have hurt my ability to obtain credit. I can get a sba loan due to practice being broken by your company under the FCRA.

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 2022-01-01
Company: Experian Information Solutions Inc.
State: GA
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 was taking advantage of after several of practices were broken under FCRA by your company. You have hurt my ability to obtain credit. I can get a sba loan due to practice being broken by your company under the FCRA.

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 2016-10-21
Company: BB&T CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I brought of vehicle from Regional Acceptance around XXXX. I was in an XXXX relationship relationship that I was trying to get my kids and myself out of. I took the proper steps with the authorities as well as contacting Regional Acceptance about what I could do. I had to pack up and leave everything behind in order to be safe. Upon speaking to them I was told that I can voluntarily turn my vehicle in. I turned my XXXX XXXX back in to them in XXXX. I was told it would be on my credit report for 7 years at the most. Well a couple years ago I received a schedule I think it was a XXXX C that I had to claim on my taxes from Regional Acceptance that had me to have to count this as part of my income. So I filed the debt on my taxes. Well 7 years would have been XXXX and 10 years would have been XXXX. So why is this showing on my credit report and it is showing activity. It shows that the last payment was made on XXXX/XXXX/XXXX. It also shows delinquent in XXXX, and XXXX. I did not have that car those years. The car was a voluntary repossession in XXXX so how is it reporting payment activities in my name for these years way after I had turned it in. How are they doing this fraudulent activity on my report. This is not acceptable. How many clients are they doing this too? I do not have the account information because it has been that long ago, but what is showing on my credit report is Regional Acceptance Corp # 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
Consumer complaint received 2022-01-01
Company: EQUIFAX, INC.
State: NY
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 have filed a dispute in regards to an inaccurate account on my consumer report. It has been well over 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TD BANK US HOLDING COMPANY
State: NY
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:
Many years ago I had a cook two cards with XXXX XXXX and one with Target and each of those cards I was able to negotiate a pay for a deletion where I paid the account in full and they promised me that they were going to delete those accounts from my credit report and both of those companies have since reneged on the deal and they tricked me and manipulated me into paying these balances that I did not believe were mine in the first place in order to remove them from my credit report which are they went and they sent me a letter saying that it you know it was going to be deleted and I since have sent them this letter and I have not been able to remove these accounts from my credit reports are they have in my opinion in a committed negligence fraud and I would like to take legal action and sue them for all the violations that they made in these instances and him as I told them when I have calls are at least 10 times I have tried to dispute both of these are items so all three of these items are over 10 times with the bureaus and Ive been unsuccessful in each attempt and I have provided documentation to prove my case and these are for accounts that are paid in full and like I said they promised to delete them so they have reneged on their word and now they are costing me thousands and thousands in as they ruin my credit and I want them deleted immediately if they are not deleted in 30 days from this complaint I am going to pursue legal arbitration and Im going to take this up with the courts because Im done with this this is my last attempt to get a delete it if they dont delete it Im taking legal action 1000 % so thats it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Other

Complaint:
I was unemployed for nearly 3 months. I contacted all companies with which I had any financial business to make certain of my current financial problem due to unemployment, my job search plan and repayment plan once employed. I was surprised to XXXX that from XXXX XXXX, 2016 to XXXX XXXX, 2016, I received XXXX calls on my cell phone from all companies with which I have a financial business with XXXX calls being from Capital One. The issue I have with Capital One relates to a payment plan. On XXXX XXXX, 2016, I logged into my Capital One online account for the specific purpose of setting up a payment plan to help get my account back into good standing per recommendation from Capital One. First, I added a new payment account which is my new checking account with a local bank. Second, I deleted my old checking account with XXXX Bank. Lastly, I set-up a payment plan for the company to deduct {$370.00} on XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. These were dates that Capital One website generated and I accepted. Oddly, Capital One appears to have sent the first payment deduction to my old checking account prior to sending to the new account, despite the old account being deleted prior to setting up the payment plan. I have a photo of these attempted transactions with the date. Capital One has continued to contact me, although at a much decreased rate, by email ( XXXX ) and phone ( XXXX ) in order to inform me that my payment continues to be late and that I should submit a payment to avoid being reported to debt collecting agency or credit reporting agency. This does not seem to be fair or appropriate at all. I took the steps the company recommended because I wanted to avoid being reported to debt collecting agency or credit reporting agency. I assumed that once a customer set-up a payment plan, I might get the standard reminder, but not an ongoing complaint of late payments and risk being reported to debt or credit collectors. I feel like I have held up my end of the deal and should not continue to be told that I am late and I should pay my bill. I 'm not certain what the point of the payment plan is, if Capital One continues with threatening business as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company is in violation of the Cares Act 15 USC 9051 I've sent a letter this ask Please remove all late payments and change the payment status to current because of the Cares certified mail XX/XX/2021, and the company has yet to respond nor updated the the report. Here It is 62 days later and no update. No even a response to my letter. Which is completely unacceptable. Which is also in violation of 15 USC 1681b

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 2015-09-28
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for an FHA refi loan with Quicken Loans. They checked my credit and estimated my house value at {$190000.00}. The rep said I had to submit {$400.00}. good faith money in XXXX hrs or the loan was null and void. I said I thought this was unusual, and that I was a XXXX citizen and I did not have a lot of extra money. He said it was required to process my loan. I submitted the money. I was then asked for a lot of other documentation which I provided and they said was okay. Finally an appraisal was ordered. The appraisal came in {$40000.00} under what I was told. I questioned the appraisal and the comps. I even had the listing agent to my home and she agreed with me. She said property taxes alone showed a difference but beyond the differences were apparent to anyone. I contacted the CEO of QL, XXXX XXXX, who simply forwarded my message to XXXX XXXX to handle, the rep who asked for the {$400.00}. QL then sent the appraisal back to the same appraiser and asked if it was correct. He said yes. In the interim I was contacted by XXXX XXXX of QL who asked me if I had {$31000.00}. to being to settlement. I said no, I was not giving anyone anymore money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Balance transfer

Complaint:
I applied for a {$2000.00} balance transfer convenience chek on XXXX/XXXX/2015 which was approved for XXXX months at 0 % APR and 3 % balance transfer fee. The balance transfer and balance transfer fee posted to my account on XXXX/XXXX/2015 and monthly statement was issued the same day with them in it. 

However, I have not received the {$2000.00} check yet and Capital One says the 0 % APR period will expire in the statement ending on XXXX/XXXX/2015. This will give les than 12 months of 0 % APR, less than what was advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: National Credit Systems,Inc.
State: GA
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:
For several months, i've relentlessly tried to get inaccuracies removed from my credit so that my children and i would have access to the basic necessities. Ive had some success as evidenced by the exhibits attached ; however the deliberate consumer abuse unfortunately continues. These companies ' negligence has caused such harm and distress to myself and my XXXX minor children. There are Acts put in place to protect the consumer ; and willingly and knowingly violating the laws have monetary, civil, and sometimes even criminal liability. National Credit Systems, after failing to ADEQUATELY and LAWFULLY validate any alleged debt, slightly followed protocol by the removal of this inaccurate and derogatory account from the XXXX consumer credit report. Sadly, they've knowingly committed fraud and inflicted harm by continuing to report this inaccurate account ( National Credit System Acct # XXXX ) to XXXX as " verified '' ; all while essentially admitting to the inaccuracy and fraud by the deletion from the other previously mentioned Bureau ( XXXX ). Please help me to understand how this account can be verified with one Bureau and be deleted/removed by another. Are other Bureaus, such as XXXX, held to a higher level of integrity and accountability than XXXX? Why is XXXX willing to assist these fraudulent companies in harming the consumer? What is the use of the Fair Credit Reporting Act or the Fair Debt Collection Practices Act, if it is not abided by ALL in commerce? What is the future of commerce if consumers are purposely oppressed by the entities designated to protect them? What is the future of commerce when criminals get to hide behind fictitious entities and bleed the natural person of their XXXX given rights. As I type this complaint, one of many, I literally have XXXX weeks to vacate an extended vacation home but am unable to, due to the inaccuracies on the consumer report causing the adverse action during the application process with leasing companies. This inaccuracy and fraudulent, unruly behavior on the behalf of the companies attached to this complaint ; has done far more than damage my credit worthiness, or my slander my reputation in commerce- these excessive and perpetual violations have ultimately infringed on my life, my liberty, and my ability to obtain even a rental property to call home for more than a couple of months. I need these inaccuracies PERMANENTLY and IMMEDIATELY deleted and blocked from ALL consumer credit reporting companies and bureaus, this includes XXXX, Corelogic and all other adjacent reporting companies which XXXX furnishes with this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Ditech Financial LLC was the mortgage servicer on my FHA mortgage loan and I refinance  XXXX   XXXX ,    2017  ; funding  XXXX   XXXX ,  2017 . The company issued a payoff thru  XXXX   XXXX ,  2017  which included 30 days interest ; {$800.00}. However,  Ditech  has not refunded th e 21 re maining days interest due me and FHA document no.  XXXX  states the mortgagee can not charge interest beyond the payoff date.     I 've spoken to several customer service representative and management by phone and was finally told the investor requires 30 days interest. There is no prepayment penalty and I 'm entitle to the refund. There, I would appreciate assistance obtaining the balance due {$560.00}  ( 21 days ) interest  as soon as possible. I received the escrow balance due but not interest refund.     Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
Upon receiving an insurance check, my husband at the time took the check to a Chase bank where I have never had an account. He opened an account, forged my signature, and left with the money. I have spoke with the bank where the check was cashed and they admitted fault. I would like to request a new check issued and funds disbursed according to our divorce agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have a CapitalOne credit card in collections with CapitalOne and I received a XXXX for the charged off amount. CapitalOne is requiring me to pay off the pass due, charged off and XXXX amount of {$7000.00} so the current balance same the same but the past due will be XXXX. This tactic of showing a past due amount along with the current balance is used to impact my credit card utilization and lower my FICO score preventing me from receiving a new home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Ive spent 6+ letters to the bureaus to correct late payments, information on my credit report and to open disputes on inquiries and accounts and nothing on my credit report has updated or shown an open dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Paypal Holdings, Inc
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX and I own a XXXX that XXXX XXXX XXXXXXXX XXXX XXXX XXXX which include a fully automated robot. This software is available on XXXX XXXX 

For 8 years I have maintained an account with PayPal and run all XXXX XXXX  through them, including but not limited to invoicing, collecting payments, paying XXXX XXXX, XXXX, XXXX XXXX  etc. In addition I pay myself as needed to pay my personal expenses. 

On Friday XX/XX/2021 I was notified by PayPal via email that my account was being closed and all funds were going to be held for 180 days. There is over {$240000.00} in that account. My life savings. 

The email was generic which claimed that I have breeched their policy and the email claimed fraud. This is a general email.

I appealed the decision and within 1 hour was denied. 

PayPal has given no reason, not allowed me to speak with the person ( s ) liable for the decision in this matter and will offer me no opportunity to defend myself or the allegations. 

I have been denied due process and as all my savings were in PayPal I will be unable to meet bot business and personal expenses which include my mortgage, car payments groceries and life and health insurance! This during a pandemic! 

PayPal has no regard for the inaccuracy of their action, has denied me even the ability to respond to an open complaint from PRIOR to closing my account and is acting in a manner that should be illegal. 

In fact, PayPal has lost several class action law suits based on this behavior and clearly feels that it is in their best interest to continue to harm the " little '' guy. 

I need my money. I am XXXX and can not afford to have my life insurance or health insurance lapse. 

Please help. 


Kind Regards,

Company response to consumer: Closed with non-monetary relief