BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021, my husband and I started the process of securing a line of credit/equity loan on our home. We decided to work with Regions Bank as I had a prior relationship with them. I was specifically working with XXXX XXXX, underwriter, XXXX XXXX and XXXX XXXX XXXX was also involved in the process. 

There were multiple communications by phone and by email. At some point we were notified that that we were in the final underwriting stage and then all communication just stopped. This took place from approximately XX/XX/2021 - through about the end XXXX, end of XX/XX/2021. 

After communication stopped - both by phone and by email, I made a final reach out to determine what happened and was advised by XXXX XXXX that our application was denied. I stated that we had not received official documentation outlining the reason for our denial. XXXX promised to follow up with me from their underwriting team and that a letter would be sent. A letter was never sent and has never been received. 

We subsequently obtained a equity home loan from XXXX XXXX XXXX as of XX/XX/2021. 

Can the CFPB assist in helping us obtain the official letter outlining the reason for our denial? I do not want any hard checks on my credit report, just to have an understanding why this is. 

Additionally, in and around XX/XX/2021, I requested a credit limit increase on my credit limit on my Regions XXXX Card and avail myself of the multiple 0 % offers they provide as my balance was down to {$0.00}. Both of these were denied after hard credit pulls with no letter stating why the credit increase or the offers were denied. 

Isn't this in violation of the Fair Credit Reporting Act?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I 've called XXXX XXXX company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX XXXX. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}

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 2017-10-19
Company: Cypress Financial Recoveries, L.L.C., OCALA, FL Branch
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had complained about this previously in complaint number XXXX. I have now paid in FULL the entire about of the judgement filed against me, which by the way was three time the original debt, which they purchased for pennies on the dollar. I called the court yesterday to find out the status of getting my bank account hold released since I completed the payment of this judgement in XXXX. And I received a statement from the court showing a XXXX balance due, listing all the payments made and the amounts. I was told that the collection agency is looking for MORE money. {$47.00} to be exact. And the woman from the court was going to make a second call to them to find out the status. And would call me back if she made any headway. Needless to say I did not hear back from her. I also went on the website NJ courts to see the status of the docket. The case status shows as closed. The Proceed status shows as completed. And there is a XXXX type of " Wage Exec Iss '' that shows as ACTIVE. My wages were never garnished. And I would like to know why this is active. And how I can get a COMPLETE release from XXXX and XXXX stating I have COMPLETELY and TOTALLY satisfied any and all judgement and dealing with them. XXXX XXXX XXXX ( the account they levied on in XXXX XXXX ) will not allow me to close that account as they are saying they have received NO paper work stating they can remove the levy. Meanwhile they handed over the {$2400.00} or so dollars to the court and charged their {$120.00} in legal fees. I have now paid close to {$4000.00} for a debt that was originally {$1300.00} and I am still Being EXTORTED by this company. Their behavior is criminal and their tactics are shady. I want this done. I want a complete release from them and I will not pay them XXXX more penny. As this is unfair and unethical treatment. They are taking advantage because they know where I work and how detrimental a problem like this could potentially be. This is the worst form of legal extortion I have ever encountered. XXXX and XXXX and Cypress financial ( another arm of their corrupt marginalization ) should be disbarred. Who ever heard of lawyers collecting debts for THEIR own profit. There should be so legality against this. I want the wage garnisment closed, erased, destroyed, however it is done and this docket closed. The docket number is XXXX. Everyone should know what a fraud this firm is. I am SURE I am not the first nor the last to complain about their unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ResidentCollect, 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: Old information reappears or never goes away

Complaint:
Hi, My name is XXXX XXXX and I am filing a complaint for XXXX as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # XXXX for these complaints are as follows XXXX, & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello, there. I am a customer with Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wanted to make a complaint regarding the repossession of the vehicle in question on XXXX XXXX. I have tried to make a payment on XX/XX/2022 on my account with Exeter Finance. They said that due to my account status that they can not accept an online payment at this time from me. This is the first time I have been not able to make a online payment, and this is after I expressed that I don't want them harassing me 4 times in one hours as they did before when they called me repeatedly US Code 1692d ( 5 ). I am willing to pay the bill and they still repossessed my vehicle, putting me in a bad situation and limiting my ability to make income for my family. 


They said that they sent a letter of collection activity in XXXX, but I told them that I never revived it. The representative then said that it's not his problem because they did what they were supposed to do. I want to complain because this goes against my rights as a consumer according to US Code 15 1681 ( a ) ( 1 ) ( A ) and because of the non disclosed subject regarding the finance charge in US Code 15 1638 ( a ) ( 4 ) .The biggest complaint I have is that I have tried to pay the bill online and they refused to accept it, then they had a towing company repossess my car. It's illegal and the remedy I am seeking is :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from Transunion and XXXX and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX Transunion and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... .see below Clarity XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least

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 2021-07-23
Company: Conn's, 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:
XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove Conns Appliances ( account opened fraudulent in my credentials ), XXXX XXXX XXXX, XXXX XXXX XXXX all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Clarity Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All these companies that I had highlighted was contacted by me, but there end of it wasn't kept. These companies, with the exception of schools financial. Have unwanted, unwarranted, frivolous and excessive checks into my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I got a hard inquiry on my TransUnion consumer report from XXXX XXXX that I did not authorize.

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 2022-08-14
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have tried to have these fraudulent accounts removed in XXXX of 2022 and now there's more accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen ignore the Temporary Restraining Order from the XXXX XXXX of the State of California in an for XXXX XXXX of XXXX XXXX. Ocwen and their trustee XXXX, XXXX. XXXX XXXX and XXXX, XXXX continue foreclosure on our house, the sale date is XXXX XXXX, XXXX. 
Ocwen violate The California XXXX XXXX of Rights ( XXXX ) in many ways. I submit the loan mod on XXXX XXXX, Ocwen continued to charge late fees for periods during which a complete loan modification application is under consideration, during an appeal. Ocwen denial did not include a detailed explanation for their decision. XXXX requires the servicer to assign borrowers an accountable single point of contact ( XXXX ) to help navigate the loan modification/foreclosure process, upon request from a borrower who requests a foreclosure prevention alternative. I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Payment Errors : I need your company send me the complete payment history for this account from the day XXXX signed on the note : XXXX XXXX, XXXX Fee Errors : Your company incorrectly imposed a late fee. I need a breakdown for all the fee/cost/payment and any other amount on your reinstatement statement. Please be very specific and very detailed for single dollar you put in it.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought a vehicle in late XX/XX/2017. At that time it was with XXXX XXXX. XXXX XXXX sold my account to Regional Acceptance in XX/XX/2017. The balance transferred was more than what I owed at time it was transferred. On top of that Regional Acceptance s not calculating my loan correctly. 
I have begged Regional Acceptance for copies of my past statements since the transfer and they either say they will send them ( they never arrive ) or when I call to ask again they hang up on me. I only owe approximately XXXX left on my loan and between these two companies miscalculations they are trying to charge me {$3600.00}. I need help.l please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Experian Information Solutions Inc.
State: TX
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, XXXX and Experian claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.

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 2022-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2022 I sent in my police report and my FTC affidavit to the three credit bureaus. I called last month and spoke to XXXX, XXXX, and Equifax fraud department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with XXXX XXXX deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all SecuritXXXX freezes at once.

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 2020-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Portfolio Recovery is re-aging debt on my credit reports. After a filing disputes with several credit bureaus the company continues to report several account open dates as the dates they acquired the debts from the original creditors, therefore extending the purge from date on a derogatory account changing it to be more current than the date of the original default, resulting in the account hanging on my credit reports longer than allowed under the law. Per FCRA, any changing of the date of first delinquency, the date of default, or the purge from date on an account is illegal. I have attached all the documents they have sent further proving that the action they keep performing is illegally re-aging a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I called to TD bank regarding my business account ( XXXX XXXX XXXX  ) and ask to put stop payment on transaction I said name of the debtor and exact amount ( {$4700.00} ). Representative from a bank told me ok and its a stop payment fee I agreed. Same day I saw stop payment on my business account which is ok On XX/XX/XXXX I saw in my business account that transaction which i put a stop payment is pending and bank paying this I immediately contact assistant branch manager came to the bank and she start working on my account to fix that. She spoke with supervisor small business support and supervisor form ACH department everybody told her that transaction will go back and they will stop this transaction. Next day XX/XX/2016 transaction still there. This transaction was very big amount of money and my account balance was not enough to cover that transaction I was mentioned that to bank representative before I even put a stop payment. But they honored that transaction even i have an insufficient funds to cover that .Monday we contact TD bank again and they told us ( me and a assistant branch manager ) the can not do nothing.I just open a dispute but they told me its probably useless???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief