BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Had several mortgage loans change servicers outside of my control. The change in servicing companies is reflected in my credit reports. The problem is that these all now appear as new lines of credit, substantially lowering my average account age and therefore lowering my credit score.

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 2022-08-30
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:
I have XXXX hard inquires from XXXX XXXX and I did not apply for any credit with XXXX XXXX and did not authorize them to pull my credit file.

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 2018-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
FDCPA violations Portfolio Recovery was sent a request for validation of debt in accordance with MA General laws via certified mailXX/XX/XXXX with a cease and desist order. They refused to reply and continued to place phone calls to my residence 2x per week. They received a 93A Demand notice for FDCPA violations and state violationsXX/XX/XXXX. They refused to reply and continued placing phone calls to my residence. XX/XX/XXXXthey received a second 93A Demand and cease and desist notice. They refuse to comply. Portfolio has provided no validation of their claim, violated numerous state and federal collection regulations and continued to contact me via phone and inw riting at a minimum two times per week. 


I demand the phone calls stop, the harassment notices stop and the fabricated debt be removed from my reports in accordance with both state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
XXXX and XXXX are showing an outstanding balance on my credit report that I do not owe for Bank of America. I have reached out to Bank of America regarding this account and they indicated that the account was paid off X/XX/2014. I contacted Bank of America in my financial counselors ' office and she too heard them confirm my account status.

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 2015-07-15
Company: ALLY FINANCIAL INC.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Vehicle was totaled. Requested payoff to clear off account. Ally financial stated amount to close account and provide clear title. Insurance company sent check for that amount. XXXX months later ally collection is harassing me at work, calling numbers that have been requested to be removed. Bulling my XXXX year old grand father ( no clue how they got his number, he is not a signer ). Refusing to send me a statement of what is owed. Every agent I talk to gives a different amount and reason of why it is owed. Agent in total loss department stated all was cleared off and not sure why I am getting these calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Okay Eye just got off the phone with Great Lakes/Department of Education regarding student loans and XXXX admitted that no Man or Woman representing Great lakes/U.S. Department of Education were present in the event that the contract/partnership/agreement was made which would constitute a meeting of the minds regarding everyone who's involved in the partnership. She also admitted after being asked who's been making payments towards the account if the Man who attended XXXX XXXX XXXX has not made one payment toward such account yet the account is paid up in good standing? She admitted that there could be fraudulent activities as she can be heard looking into the records themselves. This constitutes from the representative of Great Lakes/U.S. Department of Education own mouth that there's not only fraud and that they are the borrowers of the credit which was extended to them but there's proof of failure to validate pursuant to 15 U.S.C. 1692g that the Man whom they've made claims owing a debt does not owe such debt and that Man is actually owed back the credits which Great Lakes/U.S. Department representatives borrowed. No truth in lending disclosures can be found in the promissory notes, contracts/ agreements or partnership nor were there any disclosure pursuant to 15 U.S.C 6802 to opt out of financial institutions not disclosing personal information to a non-affiliated third party. The XXXX XXXX best explained the justification for the mutually exclusive approach in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, where the court found that a company that acquire [ s ] [ performing ] debt [ and ] continues to service it is acting much like original creditor, whereas a company that acquires defaulted debt must have acquire [ d ] the debt for collection [ and ] is acting more like a debt collector. To justify this approach, some courts look to the exception in F.D.C.P.A 's definition of " creditor '' and find that any person who receives assignment of an account in default is doing so solely for the purpose of facilitating such debt for another. Even if the entity owns the4 debt and is thus the person to whom the debt is owed, these courts find that the exception takes them out of the definition of creditor because the debt was originally owed to another. See XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2008 ) ( finding that the definition of creditor excludes those who acquire and attempt collect a debt in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
Hello, I purchased a automobile in XXXX 2015. I instructed the dealer to ONLY run XXXX report ... Later, XXXX or more showed hard inquiries showed up on my XXXX credit reports. I called each company and asked them to remove ... No Luck ... On XXXX XXXX, i called XXXX and they convinced me to sign up with them and i told them i would, but i did not wanted a soft or hard report ran on my current loan. 
I told them i just wanted to compare rates, nothing else .... Later that day, i began receiving Multiple email offers and phone calls ... I contacted XXXX XXXX and complained. 
The emails and phone calls continued for 2 days ... i am now getting mail from a few of the companies that were calling. i checked my credit report later that week and discovered XXXX new injuries ... i called Leading tree and all of the companies that did the hard injuries and asked them to remove these inquires. I did not authorize any inquires in XXXX and i only authorized XXXX in XXXX of Last Year. I would like these inquires removed. I have disputed these over and over.. i am getting no where.

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 2022-03-28
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage paid monies from my escrow account to pay taxes for the sellers ( XXXX XXXX XXXX XXXX XXXX. I was not living at nor did I have ownership of this property, during the period of XX/XX/XXXX to XX/XX/XXXX. I purchased the property on XX/XX/XXXX. However, the taxes due for XX/XX/XXXX to XX/XX/XXXX in the amount of {$10000.00} was/is the sole responsibility of seller XXXX XXXX XXXX XXXX XXXX As you can see on the attached documentation, on XX/XX/XXXX, Freedom Mortgage Corporation paid the first half of the taxes in the amount of {$10000.00} due XX/XX/XXXX. Freedom Mortgage also paid the second half due XX/XX/XXXX, in the amount of {$10000.00} on XX/XX/XXXX. Freedom Mortgage Corporation then paid the first half of my taxes due XX/XX/XXXX in the amount of {$7400.00} on XX/XX/XXXX. As of this day, this writer, has paid a total of {$36000.00} in taxes and escrow. After reviewing all documentation it is clear that Freedom Mortgage Corporation owes this writer, at total of {$10.00}, XXXX. 

This writer also wrote a disclosure check payable to XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$500.00} for the period of XX/XX/XXXX to XX/XX/XXXX at my closing. I also wrote Freedom Mortgage Corporation a check for {$6100.00} for taxes. On XX/XX/XXXX and XX/XX/XXXX I spoke with representatives who confirmed I had a new mortgage amount and that I would be receiving a refund in the amount of {$10000.00}. My escrow currently has a total of {$8200.00}, which is short {$10000.00}. The correct amount that should be in my escrow account is {$18000.00}. 

As of today 's date I still have not received my {$10000.00} or notification as to when I will receive payment.

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 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Filed an online dispute with Transunion in regards to a XXXX to update the balance as it was incorrect. Account balance was showing $ XXXX+ when I paid it down toa {$0.00} balance in XXXX 2015. The investigation results came back and stated the account was deleted. This is not what I asked for them to investigate. They deleted a very good standing credit account on my credit profile and need it to be added back on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: Bread Financial Holdings, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX ' 2017 a mobile phone was purchased by me from a private seller through a reputable marketplace website ( XXXX ). The seller responded after the payment was made ( via PayPal Credit ) that the phone did not power up during his pre-shipment inspection. I acknowledged the issue and and we both decided that a refund would be appropriate. The seller did not refund the money. I opened a dispute case through the marketplace website. When this did not help I opened a dispute with PayPal Credit ( Case XXXX ). On XXXX X'2017 the seller finally responded stating that he can not refund the money since PayPal has already frozen the disputed funds in his account ( effectively withdrawing the money from his account ). On XXXX XXXX'2017 PayPal informed me via email that my case is under review and that I should get a response once the review is completed. Om XXXX XX'2017 I called PayPal Credit customer service to inquire as to the progress of my case review. A representative stated that the money is currently being held by PayPal pending final resolution. I stated that there is nothing to resolve since both the seller and the buyer agreed to the refund and neither party is disputing the refund and demanded that the money be returned to me immediately. The representative stated that they have a 90 day time frame fro " resolving '' such issues and refused to discuss the issue further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted Experian - repeatedly. I hired an Attorney to submit a Dispute Letter and Documents to dispute the item. This item has remained on my Credit Report - without Experian investigating OR providing me with a copy of the/any proof Experian had received to substantiate the item. 

I forwarded my 3rd Letter on XXXX/XXXX/16. I forwarded a copy of the same Letter to the XXXX Ombudsman.

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 2022-10-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22, I deposited XXXX checks totalling {$1000.00} into a personal checking account at TD Bank at XXXX XXXX XXXX, XXXX, PA using my ATM card. Only XXXX of the checks totalling {$800.00} were credited and I have been trying to resolve the missing {$200.00} since that date. I went into the bank immediately afterwards and they opened a XXXX XXXX investigation, the results of which were that the XXXX checks which were not credited had been destroyed. This is not correct because one of the checks was drawn on a XXXX account and the owner of that account was debited {$200.00}. No one seems to know where the {$200.00} is and TD has never credited my account. It then made an adjustment request and today I found out that had been closed. So my neighbor 's account has been incorrectly debited {$200.00} ( he wrote a check for {$100.00} and somehow he was charged for the XXXX {$100.00} checks ) and I have never been credited for the {$200.00}. This all happened on XX/XX/XXXX and it is literally almost XXXX months later and despite innumerable phone calls, emails, and several in person visits to the branch, I can not TD to resolve this issue. Fortunately, I maintain a large enough balance that I can wait for the resolution, but what about a person who needed access to the {$200.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ) are submitting derogatory in formation concerning an account from XX/XX/XXXX where we made calls using a toll free calling card and XXXX routed the calls so that it was a toll call. I filed the a letter protesting the charges on XXXX. I provided a copy of the to the CFPB. XXXX nor XXXX did not contact me per my letter. They have reported the derogatory information to Trans Union and I was refused credit because of the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to do a modification with Chase bank. 1. I was approved from Save Your Home California. Chase would not accept the dollars. 2. My housing ratio is more than XXXX %. I qualify for a modification. The property is in foreclosure. They keep making excuses. First they said the XXXX bill is old. I provide a current XXXX bill and now they say it does not have XXXX ( My name is XXXX XXXX XXXX ). 3. I have written several letters and the only response I get is that They received my letter and will get back with me. They keep playing games. Please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
JP Morgan Chase put my house in foreclosure the beginning of the year. In XXXX, I paid all attorneys fees and backed payments to have the mortgage reinstated so I could sell the house in question. I followed all procedures as laid out by Chase 's attorney, XXXX, and my mortgage has still not been reinstated. I can not sell my house now as it is still listed as in foreclosure. Chase has been no help, and XXXX will hang up the phone on me every time I call. All Chase tells me is that on their end it 's no longer in foreclosure, but the foreclosure is still filed and not released yet. They are " looking into it, '' for going on two months now. 

My real estate agent has informed me that I will most likely never be able to sell my property for the amount that it is worth, since Chase has ran a foreclosure ad in the newspaper about my property, and that ad is still running. Furthermore, anyone can look up the property address and see that foreclosure has never been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern regarding loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct the payment records for the current amount due, the XXXX payment was made on XX/XX/XXXX, I am attaching payment history and proof from XX/XX/XXXX to present. 
I resumed making payments from the forbearance in XXXX of XXXX, below are the payment dates and amounts. 
XX/XX/XXXX {$1900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$1900.00} Starting XX/XX/XXXX modification trial payments, the check dates are the day they cleared the bank XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$2400.00} Cashiers check # XXXX XX/XX/XXXX {$1700.00} Electronic payment The loan modification contract dated XX/XX/XXXX asked for a cashiers check for XXXX and XXXX payments of XXXX each, I called Loss Mitigation and told them I had already paid XXXX for XXXX payment, I was instructed to send in the difference of {$2400.00}, which I did. 
On XX/XX/XXXX I made a payment of {$1700.00} Please correct your records to show my account as current. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and found a collection item from I.C. Systems Inc. I disputed this with XXXX ( they removed the item ) and with XXXX ( they will not remove the item ). 

I have contacted a Lawyer and they will contact I.C Systems on my behalf. 

This is negatively affecting my credit which may result me being denied employment. This must be removed as I have not been contacted in writing and I DO NOT understand how I.C. Systems obtained my social security number!

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 2022-10-07
Company: ALTERRA GROUP, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to this mortgage company because they say closing the gap. Helping XXXX  own properties after turning all documentation requested. I called the phone 3 to 4 times before receiving a disturbing call stating who is this and why did you call this number. Oddly I was speaking a representative from legacy home loan but couldnt have known that if she did not address herself. After that disrespectful correspondence I received and apology and tried to complete the loan. But the representative was upset as anyone would for my complaint and return stated I was ( disrespectful ) and the company closed my loan? As my professionalism isnt a part of apply for any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: MS
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 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 n 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 XXXX 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 n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation