BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called XXXX  XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXXXXXX {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My wife and I applied for a XXXX XXXX XXXX with New Rez on or around XX/XX/2022. We promptly submitted all documents and paid the appraisal and credit score fee. After multiple delays and the need to restructure the loan several times on New Rez 's end we were offered a closing amount of approx {$37000.00} to get the loan approved with our debt to income ratio. This was about {$60000.00} LESS than what we were initially approved for.

We accepted the amount and were cleared to close by New Rez. The morning of closing, the notary did not show up. Neither our processor or anyone involved at New Rez answered our calls. We had made schedule adjustments with work to accommodate the closing.

The loan officer at New Rez ( XXXX XXXX ) called me and explained that the loan was denied at the last minute due to our debt to income being to high, the loan amount, and the fact that our investment property against which the loan was secured was paid off. 


New Rez has fraudulently claimed that our debt to income is too high after we received the clear to close from processor F. D__z on a recorded line and it was reviewed multiple times by underwriting.

This is unacceptable especially given the long history of on-time payments we've maintained with New Rez. I read this as discriminatory against clients who do not offer the most lucrative payoffs New Rez desires.

New Rez has determined that it is not profitable to lend us a mere {$40000.00} for the following reasons : We have paid off the investment property against which the refinance is to be secured in less than a year We are being offered a lower loan amount due to our DTI which will not offer much of a return in interest We have made significant headway in our primary mortgage which is also with New Rez. 
This low loan of XXXX ties up funds in your available capital pipeline Therefore New Rez has determined it is not profitable to lend us a mere XXXX which can be quickly paid off. 

All this while greedily taking appraisal and credit score fees during these difficult economic times and not even having the courtesy to notify us that -- contrary to what we were told -- the closing was not going to happen. 

This is another example of a big company taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2017-01-21
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made several attempts to notify this company as well as the original creditor that I have paid this debt and advised apartment employees at the time of when this would be paid. It has been 2 years and I reviewed my credit report and became aware of the balance on the account and my account being placed in collections. I have requested a copy of my lease from XXXX ( XXXX ) because of Identity Theft and a broken lease that was placed on my credit at the time I lived there, I have not received it nor has there been any correspondence. I have called several times over several months to address the lease, and after being made aware of the balance I am being accused of owing I have attempted to get this resolved and have not heard anything back. I have attempted to contact corporate, XXXX XXXX, the collection agency Hunter Warfield, now here I am. This debt was paid XX/XX/2015 and was roughly {$1400.00}. I am really tired of all of the false promises that have been made with hopes that I would be assisted, and have not been.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid for the Lowes credit card. It is the store Lowes credit card. They started the {$150.00} payment did not go through on XX/XX/XXXX. I spent the bill on XX/XX/XXXX when I got my social security, and the bank stated the payment was approved and was paid to Lowes. Lowes is refusing to accept this information from my bank. They closed my account WITHOUT my knowledge. I always make my payment ; I always make more than required. I pay anywhere from XXXX to XXXX every month when prices are only XXXX a month.

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 2022-11-17
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: Their investigation did not fix an error on your report

Complaint:
Equifax repeatedly does not investigate my disputes or review documentation submitted. They are in constant violation of all FCRA. They have manually reaged 4 accounts on my credit report and also manually changed the status of an account discharged in Bankruptcy to a CHARGE OFF and are listing derogatory payment information. This is my last attempt to resolve. I will be seeking counsel for damages as I am entitled to a fair and accurate credit report. Their false reporting has cost me much needed credit. 

The issues are as follows : XXXX XXXX # XXXX Date of Last Activity was XX/XX/XXXX - Equifax reaged to XX/XX/XXXX XXXX XXXX # XXXX Date of Last Activity was XX/XX/XXXX - Equifax reaged to XX/XX/XXXX XXXX XXXX XXXX # XXXX Date of Last Activity was XX/XX/XXXX - Equifax deleted dates still reporting negatively XXXX XXXX XXXX # XXXX - Reaged again by Equifax. Account is past 7 year statute XXXX Bank # XXXX was manually changed by Equifax to a CHARGEOFF with derogatory payment history reporting. All Dates of Activity are wrong. 

XXXX XXXX XXXX XXXX # XXXX - My monthly payment was changed from {$560.00} to {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loan servicing company, Navient, will not allow me to make payments on my principal balance. I spoke with a Navient representative and she said the only way I can make principal payments is by making them exactly on the XXXX of every month. However, Navient continues to apply my additional principal payments to " future '' payments due. Not to my principal balance. Furthermore, they are issuing incorrect XXXX forms. For example, in XXXX I paid {$330.00} in interest to Navient on my student loans and they reported on my XXXX XXXX that I only paid them {$180.00} in interest. In XXXX I paid Navient {$380.00} in student loan interest and they only reported me paying them {$200.00} in interest in XXXX. 
They 've also increased my interest rates 4 times in one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was notified that I needed to submit documents to verify my identity to basically unlock my account. I went to the local chase branch supplied my ID my debit card and all the incorporation documents that I was provided from the third-party service that did the filing for my business. After submitting the documents I was told that the bank review team would either approve the account and keep it open or close it and mail me a check. Neither of these things happened. Instead I waited two weeks for a check to come once I noticed that the bank account was closed. As I was told I should expect a check in the mail. After waiting two weeks and no check was received I contacted chase business customer service by phone and was told that they were holding my funds due to an issue with verifying my address. This was never proactively told to me I had to call in for this information they held my funds for over a month now with no resolution other than to Open accounts or register the business with the current state I am in which would require additional funds out of pocket. My other bank accounts have gone in the negative and Chase is charging me nonsufficient fees regarding these accounts in my automatic payments which are at their own fault for not releasing my phones. They prevent me from operating my business efficiently and able to invest further to generate additional revenue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Genesis FS Card Services, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
The Indigo XXXX XXXX  I was sent a pre approval. I accepted the card and never received the card. Ive called the company XXXX XXXX asking when the card would arrive and no one would tell me when it would come. Its been a XXXX waiting for it to arrive and inside this month theyve sent multiple letters to my address but not my card. They sent a bill and filed it on my credit report, yet the card was never delivered to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2015-04-17
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am XXXX XXXX XXXX XXXX and XXXX XXXX veteran and have lived at my address since XX/XX/XXXX. divorced from XXXX XXXX XXXX XXXX XX/XX/XXXX in XXXX XXXX a few years ago bills from my ex for which I have no connection, bills were created after my divorce, were being sent to my family in XXXX XXXX, he has never lived at that address. they stopped sending them there. Now Bills are appearing at my current address. He had never lived here in fact I purchased the house after 8 years after my divorce in XXXX. I do not understand why these people continue to torment me when I have nothing to do with this person. I do n't know where he lives or anything about him. XXXX I received mail from XXXX XXXX XXXX # XXXX who bought the {$15000.00} debt from XXXX XXXX ... .**************** now I received mail from First National Collection Bureau XXXX # XXXX. I think for me a XXXX vet with XXXX ... this breach of my privacy is unconscionable. he has no connection to me and I feel violated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
Fortiva is the servicing company who handles my XXXX card. I 've had other issues with this care, one that I had to report previously to your agency. I am back to file a complaint against them for how the handle the payments that are made toward the balance. I made the minimum payment due on XXXX XXXX, XXXX and the funds were removed by XXXX on XXXX XXXX, XXXX. I reviewed the account online and it says I have {$84.00} available to use. I went to a XXXX store close to my residence today and tried to purchased {$81.00} worth on cleaning products for my home. The cashier was great and tried it twice. After that, I pulled my phone out to confirm the available credit. During this time, their front end is getting busy. Here I am standing in line with my XXXX XXXX XXXX son wondering why my purchase keeps being decline. The cashier called them for me and when the representative came on, he proceeded to tell me that even though the payment was made, the funds would not be available to me until XXXX XXXX, XXXX. I was livid and most importantly, embarrassed. He proceeded to tell me that he knew how I felt and I was like no he did n't. I told him how embarrassed I was and that they 've had my money since XXXX XXXX. They are illegally holding my money. I am including the screenshots of their website, my bank account and their card agreement posted on their website. I need this policy reviewed. I want an apology for the embarrassment I went through.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2015-07-07
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a Reverse Mortgage situation. My mother passed away on XXXX XXXX, 2014 and named me Executor. We notified Financial Freedom that our intent was to clear the home of personal property, to make repairs/renovations, and to market the property for sale by XX/XX/2015. We were granted a 90 day extension on XXXX XXXX. Due to miscommunication between Realtor and Trustee, the request for extension with Financial Freedom was sent on XXXX XXXX, 2015 ( due at Financial Freedom by XXXX XXXX, 2015 ) but the request was directed to OneWest Bank, parent company of Financial Freedom. Both OneWest Bank and Financial Freedom deny receiving request for extension and instituted Foreclosure Proceedings on the Estate property. We have provided all documents requested but Financial Freedom simply states they are strictly adhering to the HUD guidelines and will not deviate. Because of this we were forced to list the property without being able to make appropriate restorative action and to accept a below-market price. We now have a contract which shall close on XXXX XXXX, 2015, however Financial Freedom refuses to delay, defer, or stop foreclosure proceedings, with auction date set for XXXX XXXX, 2015. We feel that Financial Freedom has been unwilling to work with us ; we simply requested legal extensions in order to market the property at a fair price in line with local comps.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I at times been a XXXX. 
During XXXX I was an XXXX and my first pay check from them I called XXXX to pay off my credit card. They referred me to LLV Funding ( I do not know the exact spelling ) and was giving an amount and I gave them my card number. I asked twice if this was paid off and I was told this was a settlement. At that time I did not know what a settlement was and now I know. Since I was on a XXXX I asked for a letter of todays conversation and was told that until the payment clears I can not have one. Well when I get back to Texas after the XXXX I did not find a letter to that effect and the next time I was told I only made a payment. 
Since then that company has sent me letters saying I still owe and I only made a payment. Now a new company is sending me letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, 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:
I applied for only one credit card by XXXX, nowhere does it say that an application demands 2 inquiries for one credit card. And I discovered that I received 2 inquiries on the same day, one on XXXX  and one on Equifax report. I was granted the credit card but I wish I knew there would be 2 separate inquiries and I wouldn't apply. I called to ask why that happened and they said they can do whatever they want and they don't have any note saying that explicitly and asked me if I want to cancel my card but they can not remove 1 inquiry. It is just not usual to get 2 inquiries by any company so it was so unexpected and I believe it might have been a mistake or if not, they should mention it before someone applies. I am planning to get a car soon so this is highly inconvenient and totally not necessary, if I knew I would definitely go with a different credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent a closed phone account to IC on XXXX and XXXX for the amount of {$810.00}. The account has been previously disputed on XXXX due to inaccurate information and the amount due. The original XXXX account was opened without my knowledge. Upon communication with XXXX, they believed IC Systems would be responsible for forgiving the debt and account. It was placed for collection XX/XX/2019 and the collection account was disputed through IC systems, XXXX, and XXXX. I have not received any information to verify that it is my account, the amount owed is accurate and that I have ownership of the account.

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 2016-05-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Good Evening- in XXXX I received an approved loan mod with my first lien holder and then in XXXX I reached out to my 2nd lien for a modification ( HELOC ). I called 2nd lien and was advised to send in a written request and a copy of the 1st lien approval. I was never acknowledged after several phone attempts. Last month I reached out to the 2nd lien again proposing a settlement offer. I was informed for the first time that my loan had placed with a collection company. When I contacted them andprovided the requested documentation I was declined the settlement offer. When I asked about the other options I was again told for the first time that the loan was charged off. They did tell me that I could either pay the loan off in full ( balance is $ XXXX ) or I could pay an initial amount of {$14000.00} and then make monthly payments of {$400.00} for 6 months and then status of loan would be reviewed again for a settlement payoff or the continuation of the {$400.00}. If they would have acknowledged my initial request for a loan mod review I would not be in the position, not to mention the status of this loan is destroying my credit. I am in a charge off status but I continue to get regular mortgage statements. For this reason I am requesting your help thanks

Company response to consumer: Closed with explanation