BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
This complaint is related to Case No. XXXX. My parents, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, & my deceased grandmother, XXXX XXXX XXXX, have had loans with Regions Bank & its related predecessors since XX/XX/XXXX. Every time they were near paying off a loan, they were told they had to " refinance. '' Regions refuses to give me any copies of loans before the recent line of credit in XX/XX/XXXX. As I discovered Region 's abuse of overdraft fees, I have found my efforts to find out how and why this installment loan was taken in XX/XX/XXXX have been thwarted by upper-management as Regions ' lawyers attempt to cover up what caused my parents ' current situation with the XXXX, Fla., branch, whose leaders responding continue their shrug of self-absolution as if they were not complicit and benefitting from this situation to make their branch 's monthly bottom-line goals. 

Most of my questions, including how to file a complaint within Regions Bank, were met with an " I do n't know '' or " I 'm not sure. '' My refusal to leave the bank until I filed the complaint resulted in the on-duty branch manager getting up from his desk and allowing me to sit at it and use bank property to type my complaint rather than typing it himself. This kind of laissez-faire approach reflects the lack of investment in my parents that this branch has shown for decades as it profited from the decline in my father 's creditworthiness. 

In the refinance of our property that occurred in XX/XX/XXXX, the bank was able to charge two times the market interest rate for those in my family with " good credit '' like my mother, whose credit was ruined by recent issues with the mortgage that have been resolved, and me. Our scores in XX/XX/XXXX would have earned us a much lower rate. 

My family is among XXXX who have suffered from these kinds of discriminatory, illegal practices that violate the Consumer Finance Protection Act of XX/XX/XXXX, the related Dodd-Frank Act, the Equal Credit Opportunity Act, the Homeownership and Equity Protection Act, and the Truth in Lending Act. 

Thanks in advance for your assistance in getting Regions to be forthright about the circumstances of the XX/XX/XXXX loan and others over the past four decades. 

Respectfully submitted, XXXX XXXX XXXX llamarwilson.com XXXX ( cell )

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 2015-03-22
Company: Delbert Services
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was hoping by chance you could help me or guide me in the right direction. I received a loan from Western sky approx XXXX XX/XX/XXXX and around XX/XX/XXXX my loan was transferred than to XXXX for a few months, and then to Delbert services. I faithfully paid them {$750.00} per month and did n't really understand why my loan was transferred. By accident I was surfing the web to get Delbert services phone number and ran across the different complaints stating that the above lenders was fraud and no more payments should be paid to them. I cancelled my account they takes debits from. I 'm now receiving calls after calls from delbert services attempting to get payment. Each time they call I block the number and they call from another number. They are calling from all over the world. I asked XXXX of the representative if they were legal to practice in XXXX, IL and each XXXX said yes. I asked if they could send me proof that they are legal to practice here which I have yet to receive. How can I get them remove from my credit report if they are fraud? I obtained the order off Professional Regulation stating that Western Sky and its affiliates is ordered to cease and decease. I tried disputing Delbert Services off my credit report which they stated they have reason to believe the debt was mine. I never received a loan from Delbert Services it was transferred from Western Sky whom was not legit. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed an item from my credit report. I included all documents ( Lease agreement, rent stubs ( XXXX XXXX XXXX ), 30-Day Notice to Vacate, Collection letter ), and it still shows that I owe a debt. I have included the Credit report as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I called Ally on XXXX and asked what I needed to do to purchase my leased vehicle. She stated that I needed to pay off the amount to Ally and they would then send the title and another document for me to sign off on mileage. She gave me the amount of {$29000.00}. I call Ally back on XXXX to ask for the address to send my final payment. Once talking to this gentleman he told me my final payoff amount to purchase the vehicle was {$30000.00}. I said, but I was told two days ago the {$29000.00} and that was good until XXXX XXXX. He said, sorry, she gave you the payoff amount not the amount to purchase the vehicle. I said, I did n't think that was fair and I did n't understand. It seemed like a bait and switch. I hung up frustrated. I called back a while later and told the person who answered I had received XXXX amounts. She asked me the amounts and then asked me to hold. When she came back she said the correct amount was the lower amount. When I asked her why I was given XXXX different amounts she said the gentleman calculated it wrong. Here I sit without feeling comfortable that the amount I have is accurate. In addition, I feel they are being deceptive in the way they are changing the balance. I wonder if they have taken advantage of others this way. I also wonder if they have done other things to my account that would cause me to pay more than I owe - like they tried to today. Please look into this unacceptable culture they have at Ally.

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 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed an entry on credit report from XXXX, XXXX, XXXX. It came back verified. I then request the method of verification Transunion used, and they have failed to respond even though it has been longer than the 15 days required by law in violation of FCRA 611. I filed a CFPB complaint # XXXX ( copy attached ), in which they again ignored the request for method of verification, and merely re-forwarded the information to the furnisher. 

I have attached a copy of the results of the original dispute, dated XXXX/XXXX/16. I have also attached screenshots from credit reports on XXXX/XXXX/16 and today, XXXX/XXXX/16. There is no dispute comment on the tradeline I have disputed, in violation of FCRA 611.

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 2015-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have informed them. I live in California only. No Georgia state nor any other state. 
They have me living in Georgia in my personal information was added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I FILED A DISPUTE WITH TRANS UNION BACK IN 2014 ASKING YOUR COMPPANY TO VALIDATE SOME ACCOUNTS THAT YOUR COMPANY WAS ALLOWING TO BE REPORTED TO MY CREDIT REPORT THE ACCOUNT WAS DELETE THAN REINSERTED BACK TO MY CREDIT REPORT STILL NOT BEING VALIDATE PLEASE CORRECT THE ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX SHOWING XXXX TIMES ON MY CREDIT REPORT SAME ACCOUNT NUMBER XXXX I DO NOT HAVE XXXX STUDENT LOANS HOW COULD YOUR COMPANY ALLOW THAT TO REPORT TO MY CREDIT REPORT. 
PLEASE VALIDATE OR DELETE THE ACCOUNT I CAN PROVIDE DOCUMENT SHOWING YOUR COMPANY DELETED THE ACCOUNTS IN QUESTION NOW THEY APPEAR BACK ON MY CREDIT 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 non-monetary relief
Consumer complaint received 2015-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have zero documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Ad Astra claims i owe their client XXXX XXXX a {$310.00} for some kind of loan i never got.I filed a complaint against them here recently to which they said that they still believed the debt was mine and that they sent me some kind of proof, which of course I did n't get.They also said that if i really was a victim of identity theft to file a report with the FCRA and contact them and they will remove it.I did call them numerous times and sent them a copy of the report i filed with the FCR, report # XXXX but instead of removing this collection they keep reposting it to my CR 's!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have repeatedly disputed public record listed on my credit report for a state lien from the state of Georgia. I have requested information on the source in which the credit reporting agency received this information and have yet to receive it. I have contacted my local clerof of superior court and they do not have a record of this information. I have also contacted the Georgia dept of revenue and they also have no record.

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 2016-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never heard of that company, ive never did business with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: United Collection Bureau, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This issue stems back fr XX/XX/XXXX to XX/XX/XXXX. I was under debt program with XXXX XXXX XXXX ( XXXX ) I have had consent ltrs fr several collection agengcy of $ XXXX bal with XXXX XXXX XXXX. Per XXXX, bal pd in full however, other past collections added new balance each time sold to another agency. I contacted, atty general office, state rep and Tlas.og for help. I have some brochures of what to do however, nothing has been resolved. I told United coll bureau on yesterday that I retired on XXXX in XX/XX/XXXX and have no funds to pay because their records are incorrect. I also requested an updated history of acct fr their office. The supervisor refused to speak to me, the agent was very persistent after an hour and half. I don ; 't have the money and I most definitely do n't owe it. Today I spoke to XXXX reps, XXXX and XXXX advising me to contact you for to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a dispute with TrasnUnion contesting the fact that when I contacted the agency XXXX XXXX XXXX, they were unable to provide a financial statement spelling out how much I owe, the terms of payment, etc. I attempted to call directly the timeshare company, which is NOT the agency reporting, and was transferred to another collection agency, a different timeshare agency etc. Still nothing in writing explaining the reporting on only TransUnion account. I was told by TransUnion they are satisfied with XXXX 's electronic response of " the information is correct '' and they are satisfied closing the dispute. 
Am I not entitled to receive written information from the agency filing against me? There was no reporting since XX/XX/XXXX, and then XX/XX/XXXX states 120 days past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
An item in collections on my credit report from XXXX XXXX had been previously reported on my credit for a long time it was removed at the beginning of this year and has now been added on with an open date of XXXX/XXXX/2015, this is incorrect and this is negatively impacting my credit score that I am working on very hard to get to a good standing. I do not think it 's fair that these collection agency keep removing and adding to my credit report as they please and with different dates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX, XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; RE : SPS ACCOUNT : XXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX : ( XXXX ) XXXX RE : ADDITIONAL CLARITY Please allow me to reintroduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to XXXX in XX/XX/XXXX. XXXX. 

RATIONAL : I HAVE PAID OVER {$530000.00} ON THIS HOME TO SERVICERS ON AN ORIGINAL LOAN OF XXXX. 

AFTER 11 YEARS THE DEBT REMAINS AT {$910000.00}, {$730000.00} CURRENT AND {$150000.00} DEFERRED I HAVE PAID OF AND ADDITIONAL {$100000.00} TO SETTLED THE ORGINAL XXXX XXXX XXXX MORTGAGE. 

THIS IS AFTER A XXXX MODIFICATION IN XX/XX/XXXX THAT HAVE NO RELIEF OR PRINCIPAL REDUCTION. ONE COULD ARGRUE THAT IF A MARKET REPRICING OF THE MORTGAGE HAD OCCURRED IN XX/XX/XXXX THE DBET WOULD HAVE BEEN RETIRED TODAY. 

THE MISREPRESENTATION OF THE ORIGINAL MORTGAGE BY XXXX DID NOT DISCLOSE : THE AMORTIZATION FEATURES THE MODIFICATION WAS DONE UNDER DIREST AND DID NOT DISCLOSE THE PRINCIPAL DEFERAL. 
FOR THE PAST 7 YEARS THE MORTAGE PAYMENTS HAVE BEEN ABOVE THE PRE MODIFICATION. 

IT WAS NOT DISCLOSED IN THE ORIGINAL MORTGAGAE OR MODIFICATION THAT THE PROPERTY TAXES WERE HIGHER THAT THE MORTGAGE. THIS MORTGAGE UNDERWRITING IS UNECONOMIC. 


I believe that I was defrauded by XXXX at the time of my mortgage origination. 

An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XX/XX/XXXX, after 16 years is higher than it was in XX/XX/XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XX/XX/XXXX to XX/XX/XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. 

Thank You. 

Sincerely, XXXX XXXX SPS ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had checked XXXX XXXX around XXXX XXXX as I prefer to stay on top of my reports, and then again around XXXX XXXX to find that all my inquiries had been removed and then reinserted. I also was NOT notified in writing within five ( 5 ) days of the reinsertion which is actually against Federal Law. The inquiries were removed and put back on, and I had called and spoke to numerous reps who just assume hang up on you, or tell you repeatedly that they can help you with the inquiries, but also tell me that no one was affected by the glitch. Even with proof in hand, and they flat out absolutely REFUSE to connect you to a supervisor or anyone in American offices to handle this matter per your request. After 5+ calls, I gave up. None of the Reps were remotley helpful or even knowledgeable, some knew and would say more or less sucks to be you, and some were even belligerent and knew of the issue but told you too bad.

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 2016-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a XXXX XXXX account on my Transunion credit report that I had investigated last year as a fraud account. After 30 days of investigation the item was removed. At this present time XXXX XXXX is active on my report again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with XXXX, XXXX  and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information. Please reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: Delbert Services
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from XXXX XXXX stating that they are collection from XXXX ( Delbert Services ) and I oweXXXX. They have called XXXX, home, cell and now work, which I work for the Federal Government. 
XXXX my cell, XXXX, brother-XXXX and now my work number XXXX. Request information about the company and she refused to provide any information she started yelling at me so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identify was stolen XXXX XXXX/XXXX/15 and a person emptied my bank account as well as opened a charge card backed by XXXX XXXX/XXXX XXXX XXXX. I would like the hard pull/credit inquiry removed please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We where given a MHA modification effective XXXX XXXX 2014 with our mortgage company Ocwin Financial. The program was MHA 's Principal Reduction Alternative ( PRA ). Ocwin issued a XXXX Cancellation of Debt dated XXXX XXXX 2014 showing a discharged amount of XXXX. However the program is structured so that the balance is a forbearance and then XXXX of that forbearance will be forgiven on each XXXX year anniversary for a XXXX year period. Ocwin should not have issued a XXXX for the forbearance on XXXX XXXX 2014. We have contacted Ocwin on serveal occations and the refuse to issue a corrected XXXX. This has resulted in a XXXX dollar tax bill. We where expecting a return of XXXX that was going to be used to help make our mortgage payments. Ocwin 's mistake has resulted in us being unable to make our mortgage payment and accruing interest and penalties with the IRS because we can not afford to pay the outstanding balance with them. We feel like we are in a catch XXXX. If would could resolve this issue it would save our home.

Company response to consumer: Closed with explanation