BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015 I received a promotional offer for credit card from TD Bank. Despite the fact that, I never missed any loan or credit card payment on time and that I had cash in the bank of about XXXX times the credit card limit, the crdedit card was denied. TD Bank then reported this to the credit agency seriously damaging my credit score. I am now at the point of asking for financling of new home and this action of TD Bank will make my credit more expensive. My request to the Bank for removal of the note from all credit agencies has been answered " the Bank is unable to retract the record ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: TMX Finance LLC
State: GA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Insta Loan, XXXX XXXX Ga, PROMISED me they would report my payments to the credit bureaus but never have. Their manager still contends they are reporting it but I have never seen it on my credit reports and XXXX says they have not. Insta Loan FALSELY gave me information under pretences to get my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Great Lakes Higher Education is mishandling government funds from veterans benefits and the federal student loan repayment program. This is a annual problem and every year it is a big process to get GLHE to acknowledge payment was made and to actually apply the funds to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card
Issue: Other

Complaint:
I recently received a collection notice from XXXX ( XXXX, PA ) regarding an outstanding balance on a Target Credit Card in the amount of {$300.00}. I do not own, nor have ever had a Target Credit card. I recently saw my credit report ( buying a house ) and there is no outstanding balances for Target.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I disputed TD Auto finance on my credit report because it was reporting that I was delinquent after the account was discharged and closed since 2010. After the credit agency contacted TD Auto, they reopened my account and updated it as delinquent with several late payments and the previous XXXX balance updated to {$2500.00}. Then two days later, TD Auto reclosed the account. This cost me a drop of XXXX points to my credit score. This has to be illegal. I should not have been penalized for disputing a charge on my credit report, but I was! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went through a divorce. The court ordered my ex husband to pay ALL remaining marital debt. That time frame would be from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I need these debts removed from my account, because he agreed in court, the judge ordered it, and I should no longer be responsible. This goes for accounts in collections, student loans on hold due to forbearance, and any other remaining debt within that time frame. Also I need to update my name change and address. I will attach all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I subleased my apartment to XXXX XXXX when i moved Back to North Carolina in XXXX of 2017 however the amounts are bills to me from pro collect for over {$600.00}

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 2020-12-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our current mortgage is with Seterus out of XXXX XXXX, Mi. About a month ago we applied to XXXX XXXX Bank in XXXX, Ohio to refi at a lower rate and shorter length. A request by the XXXX to Seterus was summited twice and and it has been almost 3 weeks and still no payoff has been sent to the XXXX. I called yesterday to Seterus and was told it would be XXXX to 2 weeks more before they could process the payoff. This is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XX/XX/XXXX, but all payments were made on time until XXXX XXXX when I lost my job. XXXX has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. Equifax has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have constantly disputed items on my report as not mine and they constantly say they are, I 've submitted multiple documents, now on the latest dispute they placed a fraud alert that I did not request and mailed me XXXX letters from equifax, XXXX for me at the correct name and another in a similar name but different middle initial, they are merging my credit with someone else 's and refuse to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX CA XXXX The short sale was started XXXX/XXXX/2016. An authorization and short sale package was submitted to Seterus. Seterus has been rejecting our authorization and would not explain to us the problem. I called in again today on a conference call with the homeowner, and found out that Seterus added an attorney as authorized third party. The homeowner then requested that the attorney be removed as an authorized third party, as he was no longer working with them. The rep we spoke to, XXXX stated that the homeowner does not have the authority to remove the attorney as an authorized third party. She stated that the attorney is the only one that can remove themselves as an authorized third party. 

At this point it is important to note that the attorney was not authorized on the account as part of a bankruptcy or any legal action of any kind. 

So, basically, the Seterus rep, XXXX, stated that the homeowner does not have the legal authority and ability to remove the attorney as an authorized third party from their own account. 

... .. SERIOUSLY? 

... .... WHEN DID THE HOMEOWNER LOSE RIGHTS ON THEIR OWN ACCOUNT? 

Seterus will add ANY attorney to ANY of their clients ' accounts as an authorized third party and further damage their own client by giving that attorney COMPLETE AUTHORITY on the account. Seterus is giving an attorney the power to supersede ANYTHING the homeowner says, and the attorney can basically do whatever they want with the homeowners financial and mortgage obligations and the HOMEOWNER has NO SAY WHATSOEVER ON HIS OWN ACCOUNT. 

HOW CAN THAT POSSIBLY BE LEGAL?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: MA
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:
XXXX is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to XX/XX/XXXX my XX/XX/XXXX statement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XX/XX/XXXX Checking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XX/XX/XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 XX/XX/XXXX refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am a paying customer for Equifax to their Product to actively monitor my credit report. I was recently trying to refinance in mortgage and cleaning my credit to proceed for refinance. 
On XX/XX/2017 I was able to pull up my credit report, My car leasing account just closed and my credit Fico score when from XXXX to XXXX that day. I pulled up my Equifax Credit report on XX/XX/2017 ... this time ... I had no credit report. All of my creditor and balances showed Zero on everything. I complainted to Equifax rep. who change to membership from Premuim membership of {$19.00} monthly to this other product for XXXX per month. I tried to pull up my Equifax credit report ... still the same ... .no Credit Report history ... like i was erased from the system. I called back to Equifax to file a dispute and was told it would take 30 days to fix the problem. They did acknowledged my credit file was uploaded to a bad file ... or was deleted. I told them ... what if I needed to apply for credit? or refinance my mortgage ... I am on hold because they messed up with my credit report file. She apologized and said there was nothing they can do ... .it will take 30 days to fix their mistake. I am so angry with Equifax ... ... I again pulled up to see if anything had taken placed to fix my missing credit report. Still today XX/XX/2017 ... nothing. I have no Credit report on file with Equifax. I am documentating everything in case I contact a lawyer to file a lawsuit. I think this is so unfar ... that a Credit Agency can hold your Credit Report against you ... removing from their database or deleting it. I still do n't know what happened ... and still in Limbo with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently unemployed and live in the state of California. Seterus is the mortgage company that services my loan. The investor on my loan is XXXX and Keep Your Home California ( KYHC ) is making my mortgage payments until I am employed. The escrow portion ( taxes and insurance ) on my mortgage payment went up ( in XXXX 2016 ) which caused the payment to change in XXXX 2016. Seterus was to notify KYHC and advise them of the escrow change and payment change. On XXXX/XXXX/16 I contacted Seterus and spoke with representative about status of loan. My loan is due for XXXX/XXXX/16 and funds in the amount of {$1000.00} for the XXXX 2016 are in suspense. Payment amount is now {$1000.00}. Seterus representative informed me that they do not contact KYHC when there is payment change that I need to do this. I stated mortgage company must contact KYHC when there is payment change. Representative stated they would look into this and call me back XXXX/XXXX/16. I did not receive a call from Seterus. I called Seterus XXXX/XXXX/16 and spoke with Service Lead representative that I received Seterus acceleration letter and did someone from Seterus contact KYHC about payment change. I stated supervisor was suppose to call me back on XXXX/XXXX/16 but I have never received call. He stated supervisors do not call borrowers and stated he was not sure if someone has contacted KYHC. He asked if I had something in writing from XXXX that states payment change process that mortgage company must notify KYHC directly of payment change and for me to email him this info. I stated I would not do this and Seterus must contact XXXX. This person was rude and hung up on me. I am stunned as it seems to me Seterus does not have process in place for payment change when receiving funds on loan from federal funded program. I called KYHC XXXX/XXXX/16 and asked representative if they had received notification from Seterus regarding payment change they stated no. I verified process on payment change with representative and was advised KYHC must receive payment change notification from mortgage company not borrower. I called Seterus again on XXXX/XXXX/16 and requested supervisor but was told I spoke with supervisor on earlier call. I stated I did not speak with supervisor but service team leader. I stated I just spoke with KYHC and they advised me there is nothing from Seterus reqarding payment change notification. Representative stated they will need to check on this and call me back. I stated when will they call me back as they did n't last time. Representative stated they would call back. I also am worried my credit bureau report is being negatively affected which will cause me more problems trying to get a job. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XXXX/XXXX/16 I contacted Equifax via telephone to request a formal dispute of an unauthorized credit inquiry into my personal credit report with Equifax. More specifically, on XXXX/XXXX/16 XXXX XXXX performed an UNAUTHORIZED credit inquiry into my credit score/history with Equifax. On XXXX/XXXX/16 I contacted XXXX XXXX regarding this unauthorized credit inquiry, which has adversely affected my credit score. XXXX had no comments so far on this incident. So I immediately contacted Equifax via telephone and requested a formal dispute of that " hard '' inquiry into my personal credit report. Equifax then sent me an email notification stating that my Equifax dispute had been resolved. However that 's simply a copy of my credit report. I was unable to reach Equifax today ( XXXX/XXXX/16 ) in order to resolve this issue immediately. Equifax 's website is also unclear on how to obtain immediate assistance. Equifax has failed to process my request to remove inaccurate information ( i.e. unauthorized inquiry ) on my credit report as I was promised on a phone call with Equifax 's representative on XXXX/XXXX/16. 
Please also let me know if the Consumer Financial Protection Bureau can initiate a separate investigation into this matter against XXXX XXXX or if I must file a separate complaint against them for performing an unauthorized consumer credit inquiry. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
During deferment and/or forbearance, I was misled into a postponed payment plan which ultimately resulted in a derogatory information being reported to my credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
my current address is not showing on my XXXX and transunion report,

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 2020-12-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened the dispute for two charges on my card. They charges were both XXXX. One for {$500.00} on XX/XX/2020, and one for {$460.00} on XX/XX/2020. I had the bank issue a new card. After one week, the charges are still there, and there is no indication on the account that these charges are under dispute. I requested written confirmation of the investigation or some sort of confirmation number for the investigation, but they refused. I filed a police report with my local police department. I gave them the police report number. The bank claims the investigators determined that I accepted the charges, which is not true. Since the charges were made online, I asked the bank to provide the shipping address or email address used to deliver the goods. They were unable to give it to me. They also refused to provide the evidence that I accepted the charges. I requested an affidavit of fraud, which they also refused to provide. The bank stopped taking my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has placed a charge off on my credit report on XXXX/XXXX/XXXX from tower XXXX When the debt has been discharged via bankruptcy. 

we contacted XXXX XXXX and they did not place the charge off my my credit report. 

Equifax please call XXXX XXXX XXXX at XXXX in the bankruptcy department and she will verify the charge off is not valid see email string and docs attached DO NOT IGNOR escalate TO SUPERVISOR!!!!!! 
No letter. She said she knows the process seems convoluted but the best thing to do is for us to complete Equifax dispute online. In comments section, we can put that we have spoken with XXXX XXXX XXXX at XXXX. Equifax will then forward it to her, likely within a day. She normally gets them anyway as she is the XXXX collections contact. She said no fault on us but there is an existing issue. XXXX recently changed credit card vendors, hence items being re-reported. 

XXXX From : " XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Sent : Tuesday, XXXX XXXX, XXXX XXXX XXXX Subject : RE : XXXX Ok please get to write a letter of removal if she can not then ask her write a letter showing it was part of the bankruptcy and should be removed the bankruptcy has been discharged. We will forward that to Equifax to remove but we need their help Equifax will not investigate they just verify. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX SS # XXXX dob XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation