BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX 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 without 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 non-monetary relief
Consumer complaint received 2022-07-07
Company: Double Diamond-Delaware, Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$4400.00} cleared my financial institution. this check written to UEMC ( United Equitable Mortgage Company ) retiring the mortgage on account # XXXX. A letter from stated mortgage company dated XXXX XXXX, XXXX was received by this complainant, the letter stated that I could expect to receive the lien release on the mortgage held by UEMC within 12 to 16 weeks, the lien release has not yet been received. I have cleared several mortgages and never has it taken longer than six weeks to receive the release. I can only speculate that UEMC is holding my mortgage value to underwrite other underperforming accounts held in their portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Thr issue is the 3 times in the past 4 months I have attempted to get them to pay the escrow refund dune from my account. They are holding it and claiming to have issued a refund for the amount. It has never arrived. They promised it within 10 business days each time and it has never arrived. I recieved my normal monthly correspondence from them today so I know the mail is working properly meaning the company, freedom mortgage, has been stalling the past 4 months.

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 2017-08-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered a complaint XXXX The complaint was closed. But this is not my decision. This mortgage company sent me letters about the property tax Never in those letters they specified I needed a XXXX policy If I knew I needed a XXXX policy, I would have purchased I read my mortgage disclosure and never in that document it mentions requiring a XXXX policy. Nevertheless I provided them with a new XXXX policy, now the mortgage company wants to have me pay for the laspse If I never needed XXXX before, why would I pay a lapse in insurance? I feel like I have no rights with this company as a consumer I struggle to get anywhere when I have never missed a payment and I have always cooperated with them. This company has no respectable communication when I have been nothing but forthright and I have always provided the documentation they have needed.

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 2023-06-29
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: Account status incorrect

Complaint:
this mortgage was foreclosed on XX/XX/2019 however XXXX XXXX XXXX repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
RE : Previous CFPB Complaint # XXXX I previously submitted the above referenced complaint to Capital One, on or about XX/XX/2018, with a copy to CFPB. The issue centers on a reduction of my credit limit ( from {$30000.00} to {$1000.00} ) FOR NO APPARENT GOOD REASON. It took Capital One approximately three weeks to respond, only to essentially repeat what was stated in their original correspondence, and DID NOT address the specific questions/request for additional information included in my complaint letter. 

As previously stated, I do not necessarily intend to utilize the full credit limit on a regular basis. The issue, however, revolves around the negative impact that this reduction in credit limit, either has already had, or will stand to have on my overall credit rating and score. 

Copies of my original complaint letter and attachments are attached herewith.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have two car loans with Credit Acceptance. One loan has been opened since XX/XX/XXXX and the other since XX/XX/XXXX. I have always paid my car loans either on time or EARLY. I had just moved and started a new job so I am a total of 3 days late on my current payment. In two days, I have received over 11 calls from credit acceptance telling me to call them regarding my loan. I answered this morning and the man I spoke to was demanding a payment today when I told him I just started a new job and my payment wouldnt be until next Saturday he continued asking me my pay schedule. I expressed my upset with the man due to the amount of calls Ive been receiving as Im trying to work and my phone keeps going off at work and I keep getting in trouble. The man then THREATENED to send me to collections for a payment that is 3 DAYS LATE and stated that the next day after a payment is late it gets sent to collections! I am beyond livid and extremely upset with the fact that they can treat their customers this way! This will be reported to the XXXX as well as a horrible review left on XXXX! This is TERRIBLE customer service!

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 2022-07-07
Company: EQUIFAX, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
On or around XX/XX/2022 I requested all 3 consumer credit reports. XXXX verified my identify immediately, XXXX indicated they could not identify me, and Equifax simply rejected my request with the same response " We could not identify you. '' XXXX sent me a post card on XX/XX/2022 indicating that someone had tried to get my credit report. They asked for two forms of identification. I sent them my VA XXXX Drivers ' License and my social security card. 

No response. I really need to get these credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet.I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.

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 2019-11-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To this date, TD bank has been able to accrue over {$600.00} in over draft fee 's. However, the explanations are confusing and don't make any sense. I have direct deposit and I make deposits but I still get fees.. 
The bank does not explain how this system really works. I get answer 's such as " Maybe sometimes ..It 's supposed to. '' or " Depends on what they do in the back '' or " You pay us to use our money ''. 
My initial understanding was that if you overdraw your account and put money in the account by the end of the business day, you will not be charged. I am always charged. 
The app is misleading because it does NOT give you your balances in real time as they say it does. The ATM machine directly outside the bank does not give you cut off times for deposits. 
My direct deposit comes in and I get fee 's for that day as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 
By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: MS
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-07-05
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted several applications for a modifications and have not received any written correspondence as to the status of the application. I have had the  XXXX  sale date postponed on several occasions and on  XXXX / XXXX / 17 , the property was foreclosed on. This company , Fay Servicing h as send any explanation as to why the application was not reviewed. This property was deeded to me in divorce and I am not on the loan, but I submitted all financials and the divorce decree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Pendrick Capital Partners Holding, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter in the mail on X/XX/17 from XXXX XXXX XXXX/Pendrick Capital Partners II. The original creditor is XXXX XXXX XXXX in the amount of {$660.00}. The account number is : XXXX. This debt does not belong to me. I am not responsible for payment for this debt, someone else is. In the letter, it states that Pendrick Capital Partners purchased the account as the collection agency. This letter gives 2 options for payment. Option # 1 was to split the balance in 3 installments. Option # 2 was to reduce the payment to {$400.00}. I an disputing this alleged debt that is reporting negatively on my credit file. Like I mentioned before, I an not responsible for payment of this debt, someone else is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-08-19
Company: R & B Corporation of Virginia
State: NV
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:
There are 3 separate collections accounts on my credit report from the same company, I have contacted XXXX XXXX and they have no information of any coolections accounts, they then referred me to credit control corp. they can not locate the account in their system either ... I believe 1 or all 3 were erroneously placed on my account. I 'm terribly frustrated that I can not find out why this is being reported on my account and why there are 3?? .. how can I find someone to help me?? The account # 's are XXXX, XXXX, and XXXX. I spoke with a very nice girl from credit control corp. and she looked them up and also used my SS number and could not find them!! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Experian Information Solutions Inc.
State: MD
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 disputed this account XXXX with the original collection agency. Which resulted in a deletion with XXXX and XXXX. This account Still Remains on Experian as verified which is a violation. I asked Experian to send me all verification and papers and documents pertaining to this account, which they have not provided. If this matter can not be resolved in a timely fashion I will file a claim in small claims court to recoup all damages.

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 2018-08-25
Company: AVANTE
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: Account information incorrect

Complaint:
Avante USA located in XXXX Texas has been calling me about a debt owed for a hospital bill which has been paid. They contact me a few weeks ago for this debt. I went to the hospital in XX/XX/2012 and only now are they calling to say I owe. I have provided documents to the company of proof that my bill has been paid through financial aid. Im not sure what change they stopped calling me but today I noticed they reported it on my credit and now I have a bad marker. The first. I dont think this is fair. This company is a scam and their practices are unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I loaded {$220.00} on XX/XX/18 on my Netspend prepaid card..I paid a XXXX XXXX XXXX  bill & I immediately had them reverse the payment.Today is XX/XX/XXXX & my payment is still pending.I 've called all week long & all the reps giving me the run around.I 've sent my cancelled confirmation & the supervisor of Netspend 2 of them even spoke with an XXXX XXXX XXXX  rep who confirmed the payment was reversed & still my money is pending..PLEASE HELP ME

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