BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: TD BANK US HOLDING COMPANY
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
During this COVID-19 virus crisis, I have been trying desperately to get in contact wit TD Auto Finance to ask about my options while the Stay at home orders have been issued and work time has been reduced. I sent emails asking about this and received two responses stating to call the hotline for a resolution. At first when I called I would sit on the phone for hours only to be disconnected. Now as of XX/XX/20 when you call the customer service line XXXX it continues to tell you to contact them via their secure message center for a resolution and then disconnects. Messaging them again I receive the same response to call in or just receive no response at all. Now I may have a buyer for my vehicle and I have no way of getting in contact with TD Auto Finance because it seems they have just forgotten about their customers during this crisis. I need a resolution to this problem so I may sell my vehicle before this opportunity to self relieve from the burden passes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We inquired about loss mitigation options for our mortgage. We were sent a packet of information/forms to complete. We submitted the required documents on XXXX/XXXX/16. We received a letter requesting add'l docs that were sent on XXXX/XXXX/16. We have not once heard from anyone at Carrington via phone or email. All of our attempts to reach our SPOC listed on a letter received, have not been responded to. We have not received any communication regarding add'l information need nor have we received any communication that a decision had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: ALLIANCE FINANCIAL RESOURCES
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife has been in contact with XXXX XXXX and XXXX XXXX, of Alliance Home Loans, and has asked them both to take us off of their mailing lists. XXXX assured my wife that we would be removed from their mailing lists and that we would no longer hear from them. We have since received a few more mailers regarding refinances from their office. They have sent us countless letters from XXXX, XXXX, and her husband, XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2020 : Sent letter disputing accounts under the FCRA section 609 ( a ) ( 1 ) ( A ) required to verify. They never verified and accounts  remained. 

XX/XX/2020 : Sent letter asking for Permissible Purpose of inquiries ( FCRA ) U.S. Code 15 Code 168.1b and under U.S 15 Code 168.1i paragragh 5. Still remain XX/XX/2020 : Sent letter informing them of address with proof. Still reports wrong address XX/XX/2020 : Sent letter asking to verify bankruptcy under section 1681 ( c ) and section 1618 ( a ) ( 5 ) of FCRA. They responded they will not re-investigate when they  are required by law to do so. Still no verification was sent.

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 2022-09-15
Company: EQUIFAX, INC.
State: MD
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage with Loancare / XXXX XXXX over two months ago and they will not send a release of trust deed to the county clerk, nor send me the cancelled promissory note, etc. Each time I contact them they give me a different story and a run-around. One time they say it was sent to the County the day after I paid it off ( the county has no record of receiving anything ), another time they say it has n't been sent to the county yet ( which is simple for them to do ), etc. They received the full payoff funds via wire transfer, and they show the loan paid in full on their web site. They give different lengths of time to wait, etc. always longer than it has already been. Reading other reviews on the web about them it 's common to see they do n't act reputably.

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 2015-06-18
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I pulled my credit report to find I had XXXX accounts reported from armada who collects for the XXXX clinic. These are doctor bills I did n't know I has so I called the company to try and clear these up with payments. XXXX was for {$76.00} and another was for {$87.00} they then informed me that they had several little bills in their office that added up to another {$200.00} that they wanted paid. The lady told me that if they are not {$50.00} or more they can not be reported to my credit but rather then owing them {$160.00} they now claim I owe them {$360.00}. I made a call to XXXX XXXX who said I need to write XXXX checks XXXX for each amount and submit a letter stating what I am paying and that they are to cash the checks and mark my account paid. I sent checks and letter XXXX/XXXX/15 and received them back in the mail on XXXX/XXXX/15 with a letter stating I need to call their office they are rufusing to take my payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX  XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$270.00} XXXX  XXXX  XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX  XXXX  XXXX {$2400.00} XXXX  XXXX {$6300.00} XXXX   XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX/XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX  XXXX {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2400.00} XXXX  XXXX {$6300.00} XXXX   XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX/XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: HireRight Solutions, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
HireRight has taken over a month to complete report XXXX. I've been told the report is at 91 % for over a month. They refuse to provide any additional information about the report. Their delay has already caused my prospective employer to delay my start date a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Trying to remove hard inquires from my credit report with Experian as i do not have any obligation or any line of credit or services from some of the inquires on my report. Have contacted all three credit bureaus about these hard inquires on my report and they wo n't budge or remove any of them. i just want to remove the inquires that i have no financial obligations to. Also they have a public record on my report which i have found out that the court does not share this information with the credit bureaus and should not be a part of my credit report either have try calling to have removed and told they can not be removed which i found out to be not the truth. also they have a XXXX listed on my report that should also be removed have n't had a XXXX in over 14 years

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 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My wife and I were trying to adopt a puppy, as most people are in these times of quarantine. We came in contact with a website, XXXX and it turned out to be a scam that we forked out {$500.00} on XX/XX/2020 through XXXX to find out. My wife and I had contacted Bank of America to see if funds can be reversed, canceled ( when it was pending ), or at least flag the receiving account as fraudulent or a scam. Nothing was done. After reporting to numerous websites such as website domains, FTC, XXXX, XXXX, and a slew of other websites to warn of the scam, we turned to here since getting out money back or having the transaction was too much for the bank.

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 2015-11-30
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i have been working with ocwen loan servicing to avoid foreclosure on my home. after mediation, our hamp modification deal was for me to make XXXX modification trial payments of XXXX due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX, due respectively. when that is satisfied we are to enter into an agreement that includes - according to an email from XXXX of ocwen -1 ) Interest rate of 2.0 % 2 ) Term of XXXX XXXX ) Modified unpaid principal balance of {$400000.00} ) Principle reduction of $ XXXXXXXXi have made those XXXX trial payments. 
however, the paperwork from ocwen outlining the new deal does not say they are offering principal reduction but does include a principal DEFERMENT with a balloon payment at the end of the life of the loan. it also includes a stipulation that i pay roughly {$1200.00} a month into an escrow account from which ocwen will pay municipal property taxes ( ok ) and homeowner 's insurance, although i have sent them a faxed copy and a hard copy of my homeowner 's insurance policy. 
i strongly believe ocwen 's attempt to manipulate the language of our agreement to change the meaning of our agreement is devious and fraudulent. their own representative offered a principal REDUCTION, not a deferment, and their legal representative was present at our modification meeting and signed the agreement that called for principal REDUCTION. 
thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I want Ocwen to remove the balance I do not owe. 
I do not owe them for the money I already paid to other servicers. 
I want them to refund the money I just paid for the escrow on XXXX other properties in which they have no security interest and the XXXX payoff balance of the XXXX that was foreclosed in XXXX and the {$57000.00} down payment I made in XXXX. 

I have paid all of the principal interest taxes and insurance on a 30 year loan I want them to realease my lien and refund the money I did not owe. 

In addition they have nothing in writing for a new loan. 
I have paid all of the balance of the modified loan I have paid all of the escrow on XXXX properties ... twice. 

They can use the escrow they had no right to pay to another property to pay my insurance and the escrow shortage and refund the remainder

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Atlas Acquisitions LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have filed an earlier complaint but more information has come to light. XXXX XXXX is a recipient of a letter from Atlas Acquisitions who has consequently acquired the debt. She apparently works for my lender. Anyway I have a copy of the letter she received from Atlas Acquisitions. They are requesting an amount of {$9100.00} as payment in full including principal, court costs and any authorized post judgment statutory interest. Does that mean in a subtle way that they still want the {$32000.00}? They say they will release the lien. But that still does not address the fact that this should have been discharged in the bankruptcy. In the letter, the date of the judgment is XXXX/XXXX/XXXX in plenty of time for it to be iincluded. In fact, I have the paper work from my bankruptcy in XXXX which included the debt to XXXX the company from which Atlas acquired the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted IC Systems on XX/XX/XXXX and XXXX to try to get more information about this debt. On XX/XX/XXXX, I was told that this was a XXXX account from XXXX or XXXX, they weren't even sure what year. I told them that I did not have a XXXX account in XXXX or XXXX. They would not provide more information and when I requested proof, one of their representatives hung up on me. This company is extremely unprofessional and attempting to collect a debt that is not owed and that they can not verify. This has been removed from XXXX  and XXXX  and I am attempting to have it removed from 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 2020-04-20
Company: Santander Consumer USA Holdings Inc.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, I took my XXXX XXXX XXXX financed through Chrysler Capital to XXXX XXXX XXXX for a trade-in on a newer Jeep. 
On XX/XX/XXXX, my wife contacted Chrysler Capital at XXXX XXXX  to inquire why the account for the XXXX XXXX XXXX financed with Chrysler Capital had NOT been paid-off. Representative XXXX claimed the {$21000.00} check from XXXX XXXX XXXX never arrived ; said representative claimed an investigation would be launched. Later during that phone call with same representative, we were informed that an amount of $ XXXX was credited to the account and the pay-off came from XXXX XXXX. Upon further insistence, XXXX transferred the call to a supervisor by the name of XXXX XXXX. Mr. XXXX did not believe XXXX XXXX XXXX had, in fact, remitted the payoff check to Chrysler Capital and requested a copy of said check but refused to contact XXXX XXXX XXXX directly. My wife, while still on the phone with Mr. XXXX, drove TO XXXX XXXX XXXX and had the finance department verify by way of a fax sent to Chrysler Capital, that the check for the payoff on the XXXX XXXX XXXX had, in fact, been remitted by way of XXXX on XX/XX/XXXX at XXXX. Mr. XXXX, upon hearing that, authorized a reversal of the incorrectly applied $ XXXX to my account and we were told, once the XXXX XXXX XXXX 's check was located, my account would be settled and closed. 
On XX/XX/XXXX at XXXX XXXX, my account is still showing a balance of over $ XXXX. We call Chrysler Capital again and request this now be escalated to corporate. We are told, the check has not been delivered. Again, XXXX XXXX gave us a copy of the XXXX delivery on that check to Chrysler Capital, signed by a XXXX  XXXX. 
On XX/XX/XXXX, a XXXX from Chrysler Capital corporate office ( so he claims ) calls to request the contact information for XXXX XXXX XXXX and states he will be requesting a new check for the payoff as well as a stop payment on the original. He furthermore stated this would all be resolved the week of XX/XX/XXXX. 
On XX/XX/XXXX, my account with Chrysler Capital is STILL showing a balance of over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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