BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. 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. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXXXXXX 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
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I was a victim of identity theft and reported it appropriately as suggested however the bureau only disputed XXXX to XXXX items and left the remaining fraudulent accounts and inquiries there which has been interfereing with my first time home buyer program and I am highly disatisfied with the service and dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX I was a victim of identity theft. I have submitted police reports and affidavit aas required by Equifax. Their is a tax lien that I do n't recognize and accounts from XXXX that I never opened and were referenced in my affidavit that was mailed and received by them. They acknowledged receipt in XX/XX/XXXX of items received and even put a XXXX year security freeze on my report automatically. I checked my report last month and the items are showing again. Per law they have to notify me if they put the items back on which they did not. I disputed the items and referenced my affidavit and police report which thye have XXXX file and they refuse to block them. This is now damaging me credit wise. XXXX and XXXX both researched and blocked the items due to the ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I currently can not pay my loan to Navient and told them via phone. Theywere nasty and said I will pay them or else. I told them that calling meXXXX times a day wo n't get them paid, as I am not working, and am in theprocess of losing my house. They said they need to get paid and do n't care. 
I was instructed by an attorney to send a cease and desist letter to them, which I did. Today the calls began again. I was told by a Navientrepresentative that collections laws and cease and desist letters don'tapply to them. They do n't care what my situation is, and they will continueto call every day, all day, until I pay them. I recognize I have a loan, but Iam unable to pay my utilities or mortgage, and have to sell my home. Thereneeds to be some protections under the Fair Debt Collections Practice Actthat applies to student loans. I 'm told I can not even refinance them, or haveany help, because of it being a private loan and my credit score is nowfalling. There must be some protection available to consumers falling prey toharassment. I asked why I did n't receive a response to my letter, and theytold me it is in their system. I was read a statement that it does not apply tomy case ( FDCPA ), but they have neither sent me a copy or agreed to sendone to me. There are XXXX of people who have similar experienceswith Navient/XXXX XXXX that I found online. It 's time to stop them frombullying tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Trojan Professional Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Trojan Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX debt was paid in full and is closed. XXXX collection agency has reported to Equifax many times this account is NOT a charge off. I have filed over XXXX online disputes on this debt and me made several phone calls to Equifax to have this resolved. I even signed up for their paid credit monitoring service and during the time of my service my credit score has decreased. They continue to attempt to sell me other credit products and also continue to report false/inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Trojan Professional Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is XXXX. I visited the dentist on XXXX XXXX, 2015, to have my XXXX. The XXXX office is " XXXX XXXX XXXX XXXX ''. Prior to receiving any treatment, I informed XXXX ( the main XXXX ) that I did not want to proceed with any treatment because her office staff stated there would be a charge, and I did not have the money. As much as I explained that I needed to leave, XXXX XXXX was adamant that I stay, and receive the treatment at no charge. I re-iterated again, I was not advised in advance about any charges, and needed to leave. The XXXX assured me that there would be no charge for the XXXX to be XXXX. Later, this turned out to be false, and received a bill for {$250.00}. I contacted the XXXX office to point this error out. All to no avail. The deception in their practice is " to get your signature for XXXX, then start charging you for other services ( not performed ) and add charges for dental work on the same bill ''. The bill stated that the XXXX were sent out to a XXXX to get the XXXX done, but instead she did the work in her own office, as I waited in the chair. I informed XXXX XXXX of XXXX XXXX 's deceptive practices, and will be completing a grievance form through their office, which is my XXXX insurance carrier. I stand in great need of your agency 's assistance to stop this deceptive practices and charges. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: RoundPoint Mortgage Servicing LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My experience with roundpoint Mortgage has been absolutely terrible. Every time I have reached out to them I never have talked with someone that knows how to answer my simple questions. When I am lucky enough to even talk with a customer service representative, I am given different answers from every person I talk to. It is very apparent that these people have no idea what they are doing, or at least have no intent to actually help you. One particular experience I had with them was when I was trying to remove mortgage insurance from my loan. I filled out the request application and never heard from anyone at roundpoint ( I was told it would be 7-10 days ). After 20 days, I called roundpoint to followup with my application and they claimed they had not received anything. After a number of different calls and customer service representatives, they decided that they had received it and it was being process. At this point I was told it would be another 7-10 days to hear from them about getting the appraisal to finish the request. Again, after not hearing from anyone for 15 days at roundpoint, I called to followup. Everyone I talked to gave me different answers again. I was being told everything from the application had been denied, to they have n't even received the application. We finally got the appraisal scheduled. The evening of the appraisal I called the appraisal to follow up with how it went and the appraiser informed me that roundpoint had cancelled the appraisal. This was big news to me, so I called roundpoint to find out why this had happened. And of course, the customer service representative had absolutely no clue why the appraisal was cancelled and did n't know the appraisal was even scheduled. At this point I was informed that my loan was being sold to a different mortgage company and this was taking place in three days. A longer story cut short, I have paid for an appraisal that is no longer valid. All while I was being deceived to think they were helping me remove mortgage insurance from my loan. So roundpoint got a few extra months of mortgage insurance, over {$600.00} ( this process took a few months, instead of a few weeks like I was told ) and now sells my loan to someone else. It 's not too hard to see what roundpoint was trying to do here. And definitely shows where their priorities are. If there is a way you can avoid having roundpoint Mortgage from obtaining your mortgage note, I would do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed XXXX - XXXX directly with XXXX three times, filed a complaint against them with the XXXX, the CFPB and the Attorney General in Texas. I am irate because they have not responded to any of my complaints via phone call, email or mail. How can they do that? 

This account needs to be deleted on my credit report before I hire an FCRA attorney to file a lawsuit against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: TRUSTMARK CORPORATION
State: MS
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I had a CD with trustmark in XXXX XXXX and my dad and I both were on it. My dad went in and took out a loan and used it as collateral the loan officer let him take the paperwork out to get " me '' to sign it and forged my name. It happened XXXX different times with XXXX different signatures. I went to the main trustmark in XXXX and the legal team told me that my dad was getting a loan to put the money back in and I was basically screwed until then. I could not understand why my money could be tied up with me coming into the bank and signing. After the money was put back into my account I went into a trustmark location and got a cashiers check for the amount minus the fee to close out my cd early. The next day, XXXX/XXXX/2015, I get a phone call from trustmark and they state they are putting a stop payment on my cashiers check because my dad withdrew some money out of it and they gave me too much. So now I am facing embarrassment with my bank who has never given me trouble or I have never had trouble with. It has become a big problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/16 I closed my checking account at a Key Bank branch in XXXX, OH. I instructed the bank representative to close the account and I received a check for the remaining funds. 
I have other accounts with the bank, and I logged in on XXXX/XXXX/16 to look at something. To my surprise, the checking account was still showing online, and it contained a negative balance. The negative balance was a result of a payment to a home security company ( on XXXX/XXXX/16 ) and the resulting overdraft charges, PLUS a monthly checking account maintenance fee. 
I called Key Bank and the representative explained that the payment to the security company " reopened '' my account. ( Yes, the mistake made by a third-party " reopened '' an account I had specifically closed. ) I had changed the home security company monthly bill to a personal credit card on XXXX/XXXX/16. So, the auto-deduct from the closed checking account was their mistake - and they admit to it. 
How Key Bank could allow any third-party transaction to " reopen '' an account I 've closed -- well, it defies logic. This practice is completely unfair to the consumer and makes no sense. It should not be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we applied for a mortgage loan modification back on XXXX XXXX XXXX XXXX was the owner of my loan, after XXXX denials they transfer my loan to RoundPoint now round point has approve a modification of the loan but I do n't think it is a fair XXXX, they lower XXXX to the principal balance witch I appreciate but we owed around XXXX XXXX dollars over the value of the house and they are giving us an interest rate of XXXX, the only income to the house hold is thru my husband`s work, so he would have to work over time to be able to make this payments and over time is not always there, and even if it was my husband is a XXXX XXXX XXXX we would finish paying the loan in XXXX is he going to be able to work as a XXXX that long. we bought this house in XXXX and we will finish in XXXX how is this fair

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: TCF NATIONAL BANK
State: CO
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
TCFbank lied about renewal rates on a 15 month cd also their early termination fee on a cd is extremely unfair example on a 1-5 year cd XXXX months interest is average that would amount to {$30.00} their fee is over XXXX!!!!!!! 

attn XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: ProCollect, 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 is not mine

Complaint:
a woman out of XXXX, Texas broke into the drop box of what was XXXX XXXX XXXX which has gone bankrupt and sold the property. mine of XXXX other apartments rent and utility money orders were stolen from the drop box. apartment was notified by police this was happening in the area and did n't take precaution to prevent this from happening. after that a month later I moved out. the money that was stolen from the apartment has been in collections going on 5 years. ProCollect out of XXXX, TX is the collector ph # XXXX.i explained to them that I paid my bills but the money was stolen from there drop box. which is n't my responsibility to pay again due to their failure and notification from police this was going on before it happened. They asked for proof of the robbery of the building and I went down to the police station and got copies of the report that my money that I put in there drop box was stolen out of there office and sent a letter from the chief of XXXX, Tx, Police Department saying and proving that my money was stolen. He also lived there during the occurrence. The collector keeps calling and saying I owe money that I paid 5 years ago and I owe the stolen money the apartment failed to secure. me and my fianc have both asked for proof of debt and for the original debtors information which is the owners of XXXX XXXX XXXX which they will not give. ProCollect told us to google the information on a bankrupt business denying us the ability to contact the original debtor to dispute the false debt. I have contacted a lawyer and I will be writing a cease and desist letter sending the police report and letter from XXXX again a to PRoCollect and also sending it to all XXXX credit bureau 's to continue to dispute. after that if it is not removed from our credit report I will have no other choice but to file a lawsuit.

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 2016-05-24
Company: Financial Assistance Inc
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I 've been paying off an auto loan off for a couple years now and the same woman is so entirely rude. Every time she sends me a letter or I talk to her in the phone she threatens me, cuts me off, talks rudely, uses a loud voice, and I always end up tearing up after I hang up because she scares me. She has no common courtesy toward someone who is working to pay off a debt and she never tried to listen. She should not be working in this field!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My ID was stolen 2012. Used for medical stuff I do not know or recognize. I have disputed to all XXXX credit bureaus, but it has not been taken off my credit report yet. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I XXXX XXXX disputed Items in my equifax credit report, by certified mail # XXXX XXXX 2016, company -XXXX, account # XXXX XXXX, account # XXXX XXXX and XXXX XXXX documemts sent for proof of paid accounts XXXX XXXX 2016 sent credit report # XXXX.corrected the items.and put the Items back on the by XXXX XXXX 2016.with proof of paid accounts.please investigate this matter.if there is anything i need to do just ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I do not allow XXXX XXXX XXXX involved with XXXX and No allow U.S. Department of Housing Urban Development involved my bank account as include new account from Chase Bank or any bank branch, it was not safety for me using bank router and bank service from XXXX XXXX XXXX. I do not happy with XXXX XXXX XXXX because of they do not like my appearances complaints. NO Allow for XXXX XXXX XXXX get involved with tenant 's bank accounts! I do not like XXXX with U.S. Department of Housing with my sad icons on rent paid because of unfit Oregon resident and bad people of employees related with XXXX XXXX XXXX discriminates against XXXX XXXX tenant in our housing issues continually with used two-faces since 1986 records. They had too stubborn and quit jobs to other places to employ avoid of my appearances and many serious reasons. 

I COMPLAIN AGAINST XXXX XXXX XXXX WITH U.S. DEPARTMENT OF HOUSING URBAN DEVELOPMENT INVOLVES WITH MY SENATORS POLITICAL LETTERS AND CONSUMER FINANCIAL PROTECTION BUREAU HARMS MY LIFE EGO, I COMPLAIN AGAINST PUBLIC E-MAIL WHICH XXXX XXXX XXXX RECEIVE THIS DOCUMENT THROUGH SECRET SYSTEM WITHOUT MY KNOWLEDGE EMERGENCY REPORT TO POLICE EMERGENCY NOTIFIES TO XXXX XXXX XXXX AND U.S SENATORS. EMERGENCY PULLING ME OUT OF THIS EVIL HOUSING! XXXX XXXX XXXX AND U.S. HOUSING URBAN DEVELOPMENT RESPONSIBILITIES FOR DISCRIMINATION AGAINST XXXX AGAINST XXXX XXXX XXXX, TELL MALE AUTHORITIES PULL ME OUT OF THIS HOUSING EMERGENCY RESPONSES : EMERGENCY FORWARD TO XXXX XXXX XXXX. I COMPLAIN AGAINST THIS HOUSING SMELLS MY FINANCIAL HOW MUCH MONEY IN THIS ACCOUNT AT THE BANK! IT WAS NOT SAFETY FOR ME USING TO LIVE IN BAD HOUSING ADDRESSES! IN ADDITION, I WAS NOT HAPPY WITH XXXX XXXX XXXX CONTINUALLY.

Company response to consumer: Closed with explanation