BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the lender has neglected to postpone sale during the review process of loss mitigation - the lender deemed the package complete on XX/XX/2017 - sale date is set for XX/XX/2017 Please suspend all foreclosure activity during the review period in accordance with Section 12 C.F.R. 1024.41 ( g ).

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 2020-06-10
Company: ULRS, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 we tried to contact United Legal Group to follow up from a previous conversation concerning an incorrect invoice and that we have never received any status reports. XXXX XXXX verbally harassed us by calling our office repeatedly ( minimum 10x ). His language was abusive, vulgar, and included statements like the following, " I hope you get the coronavirus ''. Additionally, he stated " he would service the accounts and not pay us '' also prank calling and pretending to be XXXX XXXX. We have video evidence of these calls. Very unprofessional all around.

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 2022-05-14
Company: Experian Information Solutions 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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

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 2020-04-19
Company: Experian Information Solutions Inc.
State: NJ
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 frequently monitor my credit information. Having had my personal information released in several data breaches over the years, I am conscience to review my information. On XX/XX/2020 I noticed my credit score had decreased by over 100 points from the prior day. I saw noting in the report to support why this happened and have been unable to adequately research why this would be. The report was through Experiean. The website does not give any method to inquire why this would be or provide a venue to seek assitance.

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 2017-02-13
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In accordance with the Uniform commercial Code, I used legal tender in the form of a unconditional, readily saleable promissory note, that can be financially traded or monetized very easily by the Banks ; to pay off our remaining balance on our mortgage debt in full, to Regions mortgage Bank. I sent Regions Bank a legal notice, with the promissory note, that indicated to them, that if they refuse my legal tender for payment, to send me back the promissory note, with a written explanation, as to why they are exempt from legislation ; however, Regions mortgage only sent me back a letter stating that my promissory note, does not constitute valid legal tender, and is not an acceptable form of payment, etc ..., etc. What I do n't understand, is why Regions Mortgage would say that my promissory note is not legal tender, when the UCC clearly states that it is ; and I sent them many different sections of the UCC that explains how the promissory note is legal tender. What I found to be ironic was, even though Regions refused to apply my legal tender towards paying off our mortgage debt, they kept my promissory note, which is unlawful, because the promissory note is equivalent to cash money, based on what the banking dictionary says in the XXXX addition by XXXX XXXX XXXX ; which is, the definition of money is a promise to pay, or to owe, because it 's not backed by gold and silver anymore. When Regions mortgage kept my promissory note, it was the same as keeping someone 's cash money and refusing to apply it towards their debt, and that is very unlawful! Also in the UCC, it states that if legal tender is refused, then the debt is discharged ; and according to XXXX XXXX, I am a XXXX with the right to use promissory notes with the banks ; and last but not lease, the Federal US court of appeals ruled on title 31 USC 5118, as of XX/XX/1977, legal tender for discharge of debt is no longer required ; that is because, legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt need only be made in equivalent kind ; a negotiable instrument, which is what a promissory note. Also, Regions kept XXXX of my promissory notes that I sent them.

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 2021-11-18
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous of Letters stating that XXXX was reporting a inaccurate account, They have refuse to fix this issue even after numerous of times of proof. XXXX is reporting a Charge off monthly on my credit report after XXXX of it being charged off. This account is is supposed to be dead account but it is still reporting a active payment history. Each time the Charge off is reporting the statue of limitations is directly changed. They have refused to correct or investigate this account

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 2017-09-09
Company: EQUIFAX, INC.
State: VA
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:
Equifax says my information was potentially affected by a recent breach of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: AmeriHome Mortgage Company, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint ID XXXX-XXXX  Still I am not satisfied with the company response. According to the recent company statement I started in XX/XX/XXXX with a balance of {$350000.00} and my outstanding principal balance today is {$330000.00}. After paying {$32000.00} in 12 payments from XX/XX/XXXX to XX/XX/XXXX. If I see their amortization schedule my principal should be less. ( I will to attach with this letter. ) after paying 12 payments in 9 month, I paid {$3000.00} for 7 times and 5 regular of {$2200.00}. I paid three extra payments of XXXX from XX/XX/XXXX, to XX/XX/XXXX by 4 month. Then from XX/XX/XXXX to XX/XX/XXXX I started paying regular XXXX my regular mortgage payment, because they don't use my extra money toward my principal. why is my principal that high still don't know I am missing more than {$2000.00} in my principal. 

The company sent me a paper copy and also on their website there were too many additions and too many subtractions, that doesn't make any sense to me how they come into this balance Looking at the outstanding due it doesn't look to me okay that's why I called the company again and again they did not correct it, now I asked XXXX as a third party to look at the account and tell me if it is okay. I will attach all of my documents, you will tell me if I am saying anything wrong. 



Thanks for your help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.

Company response to consumer: Closed
Consumer complaint received 2015-05-22
Company: Delray Capital, LLC
State: MS
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I keep getting threatening from calls from an XXXX company that is scam. They are calling from a no caller ID number threatening to contact the local law enforcement in XXXX ms about a loan. They are harassing me to give up bank account information and pay it in full with a debit card. When I refuse they will call my cell phone back to back up to XXXX times a day and have even called my job leaving messages to call them at XXXX. I contacted the Ms Attorney General and filed a complaint they are a scam.

Company response to consumer: Closed
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am trying to close my Amex Green Card ending XXXX but apparently there is some system issue preventing Amex from processing my request ( per chat representative on XX/XX/2020 ). I am trying to close/cancel the Green Card and have them mail me a check to refund remaining negative balance on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS I REVIEWING MY CREDIT REPORT. I NOTICED MULTIPLE ACCOUNS THAT DON'T BELONG TO ME. MY IDENTITY WAS STOLEN IN THE PAST.

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 2021-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, Experian and XXXX back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

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 2021-11-18
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: Information belongs to someone else

Complaint:
I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Ballybunion Enterprises, Inc
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX I got copies of my XXXX XXXX XXXX credit report and noticed that XXXX XXXX XXXX was on my report. It says that I owe {XXXX. I never opened an account with this corporation. I sent them a letter asking to validate the debt and they sent me the contract with a signature thats not even mine. It shows no proof that the loan was mine besides my name and my new address that they got from my credit. Also it says that my XXXX from the XXXX was on XXXX/XXXX/XXXX but my XXXX was XXXX/XXXX/XXXX so that tells you right there that information isnt mine. Plus I never had a XXXX phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX - Comerica Bank I have a card through this company where my funds are supposed to be deposited each month. My card was not working so I called to find out what the issue was. The online voice stated I ordered a new card on XXXX/XXXX/XXXX and should receive this in 5-10 days. I however did not order a new card, the card I have does not expire until XXXX and I currently have no idea where my money is, where this new card is, and I can not get ahold of anyone to speak with even though the website states I can speak to someone 24/7. When calling it says all representatives are busy and then disconnects. At this point I do not know how to correct my issue so my niece was helpful with filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Rushcard XXXX has been doing a system update since Sunday. Customers were told that the update would be done by Monday XXXX but nothing has been done and no notification have been sent. The customer service number is out of service and the online access is down. I have not been able to speak to anyone at the company regarding this issue. This is a company wide issue and a lot of people are affected by this. we have not been able to access or money, transfer funds or use our debit card since Sunday XXXX/XXXX/2015. This is a major problem and it seems that the system has possibly been hacked or we are all victims of fraud/scamming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I sent over my amount of monthly payment. I sent {$200.00} for a payment of {$160.00} with a note to use full amount of check towards my balance and to please mail me a receipt. My check was deposited but only for {$160.00}. So where did my {$33.00} go? They just did my regular payment amount. I called 3 times for a receipt to no avail. I finally called main office in XXXX XXXX to report what happened and they said they would investigate. I had already spoken to the local manager and she said to me that they had gotten confused with the money cuz they had ordered food. I asked her arent you suppose to balance daily and she said yes but couldn't explain. To this date I don't have a receipt for the {$33.00} that were not applied. These people are not trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a homeowner of 25 years here in XXXX XXXX, XXXX XXXX, Georgia. I am a XXXX senior citizen and have a XXXX veteran as a tenant in my home. My loan was XXXX and later with Ditech as of XXXX XXXX. I had a HARP modification originally and after financial difficulties due to XXXX and additional medication, I have tried to receive another modification with my servicing lender which was Green Tree and later Ditech. I have been denied every modification from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, 2016 I received a new modification payment schedule from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, XXXX I received a new modification payment schedule from Ditech giving me a new account and payment plan to become effective XXXX 2016. Keep in mind, I had no idea they were placing my loan in a modification status until I received this information. In XXXX 2016, I mailed in XXXX, XXXX, and XXXX payment in the amount of {$950.00} for each month and they accepted all XXXX payments. XX/XX/XXXX, I received a foreclosure letter - to foreclose on my property, effective XXXX XXXX, 2016, this notice came from their attorney ( XXXX ) representing Ditech. After numerous calls to XXXX and Ditech, no one ever returned my calls nor was I able to speak with any representative until the middle of XXXX 2016. I was then told by the attorney that represents XXXX, XXXX XXXX, ATTY, " they should have never accepted my payments. '' She instructed me to call Ditech directly. I called Ditech and was transferred to the bankruptcy department. XXXX of the bankruptcy department of Ditech indicated he would send me a new modification application and said I should receive it within 10 business days. To this date, I have yet to receive the modification application from Ditech. At that time, I asked for an audit of my loan. After the 10 days expired, I contacted XXXX XXXX and Making Home Affordable for assistance with helping me to apply for a new modification. I submitted a new application with the assistance from XXXX XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a letter from Ditech that my modification was denied because my property has been foreclosed and I was no longer the owner. 

I have enclosed all recent documents from XXXX and Ditech and bank verification of my payment. Also my dated the modification application submitted by XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation