BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, 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:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/2020,, Cont,, Issues And Mr XXXX XXXX XXXX,, CEO,, Director Of Wells Fargo Sent And Email To All Customer And Busness Owners,, About The Covid19 Benifits And Assistance,,

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 2016-06-03
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received and attached XXXX separate letters from NationsDirect Mortgage credit research department ( dated : XXXX/XXXX/2016 & XXXX/XXXX/2016 ) verifying that my mortgage account was never late throughout the entire period my loan was serviced with them, however Nations Direct is wrongfully reporting to your credit bureau initially XXXX 30 day late on credit report submitted ( dated : XXXX/XXXX/2016 ), and since submitting the dispute with the credit bureaus my new XXXX report & XXXX report # XXXX ( dated : XXXX/XXXX/2016 ) is now inaccurately reporting XXXX 30 day late remarks by NationsDirect Mortgage, XXXX has corrected the error in derogatory information. I have requested to both XXXX and XXXX to correct all of the inaccurate derogatory remarks from their reports, as NationsDirect Mortgage has verified completely that my mortgage account was never late during entire servicing period.

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
Consumer complaint received 2022-02-01
Company: PLANET HOME LENDING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Last year I refinanced my home with XXXX. XXXX sent over the buyout to Planet Home Lending ( old mortgage lender ) I have proof of the XXXX wire that was sent, in XX/XX/XXXX, they processed it in XX/XX/XXXX. In that time, since they were slow to process, the last 2 payments went delinquent to my credit. 

Keep in mind that I was already bought out and theres absolutely no reason for me to be delinquent with a mortgage company! 

Do to this error on Planet Home Lending there is a giant incident on my credit report THAT WASNT MY DOING! Im looking to refinance my home once more and I cant because of this red flag. For the last year, I have been back and forth with the old lenders trying to correct this. They keep giving me the run around. They wrote a plain letter that the Credit bureau did not accept because they did not validate the months that they screwed up. 

All Planet Lending needed to do is write me a letter, a letter stating they were in fact at fault with the specific months they screwed up on! The last year, I have been given the run around, put on hold, hung up on. Sent bogus i correct letters.. there famous line is your case has been escalated escalated to where!? Its been a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account remaining on my credit report after the company has requested numerous times to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: STERLING JEWELERS, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a call from an very rude gentleman saying that a debt was owed and if I did not respond within 2 hours, they would issue a warrant for my arrest. I asked what the debt was about, they referred me to an alleged attorney 's office. Attorney name was XXXX XXXX XXXX. Phone # XXXX XXXX XXXX. Spoke with them. Asked them to provide me a copy of the debt. They said they did not have that info and they referred me to a company call XXXX in XXXX XXXX, CA. Phone # XXXX XXXX XXXX. The attorney said that this is the company who owned the debt. Called that number. The lady answering the phone was extremely rude. I told her i was calling to try to resolve the debt in question. She had faxed me a credit card authorization form and a letter stating that the debt was due today. She told me that if the debt was not paid, they would have me arrested. I explained that i didnt want to give them credit card information and asked if i could pay with money order or certified check from my bank. She said no, credit card only. I told her i wasnt giving her a credit card and she said then i would just suffer the consequences. I asked her for a written validation notice ... she said " you owe the debt, just pay it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've made payments to Navient on time each month. They were suppose to be allocated to my student loans XX/XX/XXXX. They have processed my payments incorrectly for three month. They then sent me to collections and said I had not made my payments. When I called and provided each confirmation code for each payment they said they would open a ticket to resolve the issue. They confirmed I was correct, but have not updated my account. They said I could declare forbearance to make my account current and it would be quick and not harm me. I declined the offer to declare forbearance since each payment I submitted was correct and I have the bank statements to prove it. I also have the confirmation numbers. Since XXXX I have been battling with them to update my account. I have several tickets in and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Recently rush card had an outage or system update I 'm not sure really, but I did n't notice until I noticed that money was drastically taken off my card without my approval. I have tried contacting them numerous times but the only thing I was getting was a pick up and hang up.which was very odd. That 's when I got online to see if maybe there was another phone number available and seen that there were so many complaints, and so I happened to come across the consumer financials phone number. All I want is my money back as soon as possible. I have XXXX kids and I 'm a single parent and every penny I work for I DONT approve of it just being tooken away I mean who would? ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: TD BANK US HOLDING COMPANY
State: UT
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:
TD BANK XXXX is mistakenly reporting to all 3 credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the 3 credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all 3 credit bureaus. With sincere thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: DCN Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2022 at XXXX pm- I returned a missed call only to find that it was that of a collections agency. The company calls itself Accounts Receivable and the agent identified himself as XXXX XXXX. XXXX XXXX states that I owe a debt to a company called skyline media. He told me that I was a scam artist that I churn and burn companies. He was yelling and screaming to the top of his lungs and said that minorities are always trying to claim poverty. I was able to record all that he said with an app on my phone, he threatened to sue me and take anything that I have. He was making so many threats and screaming so irately that it caused me to have an anxiety attack. This has to stop I can not stand to see anyone else experience what I experienced today. Please help. 
I found the following information on the internet regarding this company : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : 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 explanation
Consumer complaint received 2022-02-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Convergent Outsourcing for a debt owed to XXXX XXXX. It is for a debt according to them that is from XX/XX/2005. That is 17 years ago. They do not specify who the debt is for. I do not want to call for fear it is a scam.

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 2022-02-01
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Please be advised! That the Secured Party XXXX XXXX XXXX is giving TD AUTO FINANCE the XXXX lawful notice that the undersigned seeks a billing error resolution pursuant to 12 CFR 1026.13 due to the following facts : XXXX. The billing error in regard to previous CFPB complaint # XXXX wasn't resolved, nor was the claimant given any reason from CFPB for why the complaint was closed without any resolution. 
XXXX. TD AUTO FINANCE LLC failed to address the issue of the misapplied payment and sent in the agreement contract to the claimant, the claimant wasn't denying that he/she signed the contract XXXX. The claimant is now seeking a resolution for the second time as TD AUTO FINANCE LLC continues to ignore the billing error XXXX further, I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 
XXXX. These errors as well as the number of payments seem to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumes to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. Under Regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. 
XXXX. Following closer research regarding TD AUTO FINANCE LLC ACCOUNT # XXXX, the claimant determines that the respondent is conducting business in violation of both regulations Z and XXXX of the Truth in Lending Act XXXX. The demand is made that TD AUTO FINANCE LLC produces the original wet inked signature instrument, which will prove if this said instrument was securitized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Posted Bedroom furniture on XXXX for {$1000.00} ( XXXX/XXXX/16 ). Was contacted by XXXX XXXX XXXX. He said was on assignment on XXXX. Would have assistant send money order for {$1000.00} to cover furniture + {$40.00} to hold. Later notified that assistant made mistake sending XXXX {$980.00} money orders ( MoneyGram XXXX and XXXX ) instead of XXXX for {$1000.00}. He asked if I could send change of {$930.00}. I was suspicious, but when I took money orders to XXXX XXXX branch ( XXXX/XXXX/16 ) in XXXX XXXX, NJ was told by cashier ( XXXX ) that the money orders were " good '', " same as cash. '' I made the mistake of believing the cashier. I sent a MoneyGram money order to XXXX XXXX XXXX in the XXXX ( MoneyGram Reference XXXX, XXXX/XXXX/16 ). On XXXX/XXXX/16 XXXX XXXX returned both deposited money orders as " fictitious. '' I went to XXXX XXXX and eventually was told there was nothing they could do ( XXXX/XXXX/16 ). I contacted MoneyGram and eventually was told there was nothing they could do ( XXXX/XXXX/16 ). MoneyGram case XXXX. XXXX told me I should contact the local police. I filed a police report with the XXXX XXXX police ( XXXX/XXXX/16 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Reply to Complaint ID XXXX : Respondent ( Discover Bank ) failed to address why their customer service representative belonging to Discover Bank assured me refund after I upload letter from XXXX XXXX attesting to the quality of product as not as advertised. Attached is the letter I uploaded over XXXX ( XXXX ) months ago. XXXX XXXX  is not addressing Misrepresentation of fake leather being sold as genuine leather. Moreover, XXXX stated on phone I received their nurse promotion as part of XXXX giving free furniture to nurses minus delivery charge ( attached ). XXXX however charged my card full price anyway, no contract or paperwork was ever given to me because whole purchase was done over phone during covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the summer of XXXX our electric went up triple we had almost XXXX $ for one month, and started getting behind that year due to that, with shell point morgage. I was only one month behind in the winter, then husband went on layoff because he is in awn and landscaping. In XXXX we started a modification, i was rather reluctant because our payment was XXXX $ and XXXX fixed, I wanted to catch our couple month payments up with our tax refund, the relationship manager said we where going to go into foreclosure if I did do modification, we where really p ressured and scared into a modification. I am XXXX I believe he treated me unfairly and wanted me to lose my home. He sent papers we got them signed and notarized, because he rushed us, I didnt get the terms of modification when we signed. I made my on time payments then, morgage was sold to select home portfolio in XXXX of XXXX of XXXX, I received all my paperwork and said it was a 6.75 % with a XXXX $ payment and a 40 year mortgage note. I have not made payment since and have had so many hardships including covid layoffs, mental breakdowns, now we are in foreclosure with me type XXXX diabetic, daughters having intellectual XXXX, and my feet are XXXX badly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date of Installation : ( at current address ) XX/XX/XXXX XXXX Number : XXXX ( which is supposed to be closed due to a change of address ) XXXX ( my current account that they gave me after the move ) The money I paid XXXX : $ XXXX ( for service ) {$1000.00} ( for equipment ) {$0.00} balance due as of XX/XX/XXXX ( see attached ) XXXX has been harassing me for {$500.00} for an account that is supposed to be closed. I have called them multiple times about the matter, and they have been no help to me, because they keep lying to me over the phone stating that the account is closed and wiped. 
I even showed them proof that I sold the house and no longer lived at XXXX XXXX XXXX, and I also attached the closing disclosure of the house to show proof that I'm no longer at that residence. No matter how many times I call them and tell them that I don't owe them money on a account that is supposed to be closed, they still don't hold up on their end and close the account, they just keep charging it. Now they have sent a total of {$710.00} to a debt collector, Sequium Assets Solutions, LLC, which is detrimental to my credit score, because it looks like a delinquent that doesn't pay my bills. I have attached a full story of the mayhem XXXX is putting me through in a file named : XXXX XXXX XXXX XXXX  Claim ', and you are free to post it on your site as a complaint as well. 
I can also give any further information needed to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have a lease with honda financial services -- for my XXXX XXXX the lease is up today XX/XX/XXXX I have been trying for weeks to contact Honda about returning my vehicle, I have no heard back there phones and emails seem to be not working, I tried my local honda dealer asking about returning my vehicle -- they said I need to call Honda financial I  explain that I have tried. I tried to get an end of lease vehicle inspection and again not able to-I wish to return my vehicle and I no longer want to pay for my lease term please I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/XXXX my lender pulled my report and OCWEN was reporting a past mortgage almost correctly under my bankruptcy but still reporting a balance. I just had my lender pull a new report on XXXX/XXXX/XXXX and now they are completely violating the FCRA laws and completely ruining my ability to move forward with any financing. It now shows ( XXXX ) 90 day lates, the notes changed from CH XXXX BK to Foreclosure proceedings started XX/XX/XXXX, show a balance and a large past due amount. They need to report this correctly ASAP and confirm it is done in writing. I have included an attachment showing their malicious intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THIS ACCOUNT WAS DONE WITHOUT ME KNOWING THAT IT WAS FILED

Company response to consumer: Closed with explanation