BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX  on XX/XX/2019 at XXXX XXXX to payoff debt. At that time I was told a phone payment can be taken and it would take 14 days to process. As requested, I provided the bank information to complete payment. A continuation of the court proceeding occurred till XX/XX/XXXX but to date, the company has not completed the debit. I later receive a stipulation notice necessary to complete from the debt collector which is not required to make a payment. Repeated calls to the attorney and the collection line is going unreturned. As such, I made a requisite payment via phone to the advertised customer service number and no one would answer the phone nor respond to any communication. I simply want to pay the debt and have the company to stop contacting me about signing agreements to make full payments when I called on XXXX to make the full payment as requested by the legal demand letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2300.00}

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 2017-07-02
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted repeatedly from a rude guy who works fo r Hunter Warfield. I asked that he do not contact me, stop calling but calls continued. I do not have a signed contract with Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted Experian and XXXX and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX  XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Showing loan under my name for XXXX XXXX XXXX which i never had vehicle with as we look up the vehicle the company don't ever own the vehicle

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 2022-12-31
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
We are possibly looking to buy a different house. We went to a mortgage company to start the process. They did a " soft pull '' with the credit bureaus. This, I was told, was not supposed to trigger the credit bureaus. The very next day, one phone received almost 30 calls from mortgage companies and others. It has now been a couple of weeks and we are still receiving between 10 to 20 calls a day depending on the day. This is of course EXTREMELY disruptive. Especially when one uses the phone for work and is going to get calls from unknown numbers for work, one can't just ignore the phone. 

We don't have a choice that these companies gather info on us. Why should they be able to do this to us? 20 phone calls a day is an invasion of privacy. 

Help! What can we do to stop this?

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 2022-05-18
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage service company LoanCare is delinquent in paying our flood and property insurance from escrow resulting in the policy being cancelled. We have called Loancare at least 4 times over the last 6 weeks and they have promised 3 times promised to overnight the payment to the Insurance company, but that has not been done. We have also submitted inquiries via their web portal. 

LoanCare , LLC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA 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 2023-05-22
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I had a credit card with Bank of America, that I haven't used since XXXX and don't know physically where it is. On XX/XX/XXXX someone used the credit card ( cash advance or something similar ) and opened and account in the XXXX XXXX XXXX XXXX {$12000.00} ( XXXX thousands dollars ). 
Bank of America DIDN'T CONTACTED me for that suspicious activity. 
I put a claim with Bank of America for the fraudulent activity claim # XXXX. 
Bank of America denied my claim alleging there is an account in the XXXX XXXX XXXX XXXX with MY NAME. 
Y contacted the XXXX XXXX XXXX XXXX and there is NOT AN ACCOUNT with my social security number. 
What security is Bank of America offering to their costumers? 
Is this a good banking practice? 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NJ
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:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX # XXXX - {$130.00} XXXX XXXX # XXXX - {$79.00} XXXX XXXX XXXX # XXXX - {$290.00} XXXX XXXX XXXX # XXXX - {$790.00} XXXX XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX - {$370.00} XXXX XXXX - {$290.00} XXXX XXXX - {$50.00} XXXX XXXX - {$79.00} In accordance with the Fair Credit Reporting act XXXX  these accounts have 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: TN
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 am beyond furious and I pray to XXXX that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. Unfortunately, it's been over 60 days and I'm pretty positive that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX  XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted Experian and XXXX  and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1500.00} ; XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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've noticed unauthorized inquiries on my credit report that I would like removed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked LVNV Funding on several occasions to send me the original agreement and any documentation of owing this said debt. I have not received anything from them over the last year or longer. All I get is phone calls demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I fell behind when I became injured at work. Ive been trying to catch up. I pay more than the payment past due. The late fees never change only get higher. The payments go towards the payment that is current not the past due amount. Making it go past the 30 days late. The past 3 payments- Ive made small amount each week to watch. Each payment goes towards the current balance leaving the past due and late fees.

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 2022-07-07
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: Personal information incorrect

Complaint:
i made a dispute requesting to have all old addresses removed from my report and addresses that i have never lived in and they will not remove them. according to law they should only report accurate information on my credit report. if not, that is considered misleading false reporting and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I had a fraudulent credit card opened for Capital One in the amount of {$1200.00}. When I disputed this I submitted documentation from the FTC as proof that this account is fraudulent and they refuse to remove this from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CMG MORTGAGE, INC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to resolve this issue multiple times. I've called up to 10 times. Faxed, emailed, everything you name it. I'm trying to remove my PMI off my mortgage, and by doing so I need to get an appraisal ordered to put me over the threshold to remove PMI. There is no phone number to contact the PMI department. You have to email them and to get a response within 30 days. They denied my request stating that I didn't qualify, and that's correct but that's why I requested appraisal to be done to get an approval after the appraisal comes back. Kind of stuck here. Customer service can not help me and the PMI department has been unresponsive to any of my attempts. I was told by CMG financial that the PMI department would call me and they have not once. This has been going on since XX/XX/XXXX. 

CMG also advised me to file a complaint with you all, as I'm doing such now.

Any questions or any other information to me please let me know. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief