BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have two complaints against XXXX XXXX XXXX XXXX, XXXX ) of Mortgage Advisors/Powered By Rp Funding. The first is that she misrepresented a document she had us sign that was actually a rate lock. We were 60 days from closing and made it clear to her that we did not want to lock the rate. When we inquired about the document via email on XX/XX/XXXX, she stated that it was " just for their records '' and not a rate lock. This, in fact, was a rate lock and because we had signed this misrepresented document, our rate XXXX XXXX of a percent higher than it would of been if we had not signed the document. She stated this was in order to " transfer the rate lock ''. 

The second and more pressing issue is they are refusing to transfer the rights of an appraisal to a new lender that I'VE PAID FOR. After they jerked us around and tried to increase the rate 1.5 % higher than everyone else, we switched lenders. XXXX XXXX is refusing our attempts to transfer the appraisal over to the new company and keeps differing to a manager, stating the manager has to be the one to do it. Both myself, my wife, our new loan officer, and real estate agent have requested this manager 's contact info the past three days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) via phone calls, emails, and text messages, since we've never heard from " this manager '', and XXXX is refusing to provide it. XXXX is now refusing our loan officers calls. This appears to be a petty attempt to get back at us for not closing the loan with them. RP Funding and XXXX XXXX have been an absolute nightmare to deal with. They've been purposefully confusing, uncooperative, and retaliatory during this whole process. I have another loan through RP Funding and they have now lost this customer for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my debt card was denied at the store. The clerk told me the error message said fraud. I immediately tried to log into my bank app and was denied access. I called the customer service number on my card and was told my accounts were frozen and set to close by the demarketing dept. They said my relationship with TD bank was being terminated. When I asked why they said they didn't know and I should contact demarking. I called them XX/XX/XXXX @ XXXX. They ask to leave a voicemail and will return your call in 24-48 hours. I have left MANY messages and called customer service MANY times in the following days. On XX/XX/XXXX @ XXXX, I went into a branch ( XXXX XXXX NJ ). They told me the same thing but said they would email the demarketing dept. On XX/XX/XXXX, the branch called and told me again the same thing with no further details. When I asked what I am supposed to do next in regards to gaining access to my funds, I was told I would have to wait to receive a letter in the mail in 7-10 business days. It is now day 6 of me not having access to my funds. I can not pay bills or receive my paycheck because of my locked accounts. At the branch and on the phone with customer service ( fraud dept ) I expressed that I was concerned because my husbands account at XXXX XXXX was compromised and fraud was committed via XXXX. XXXX XXXX told my husband that it was user error however they would try to recover the funds that seem to have went to some TD Bank account. I asked if this could possibly be related since my husband is a signer on one of my 7 accounts. They were not sure. Today, XXXX, I called customer service and learned that on XX/XX/XXXX, the day my account was frozen, someone tried to set up a XXXX profile. It was NOT me. Again I have NO idea why my accounts were frozen, what to do next, why I wasn't notified that someone other than myself accessed my account, there was been NO customer service. Instead of helping me, TD Bank is just trying to cut me off and I did NOTHING wrong. I am extremely upset. My mortgage payment is due today and my credit card bill is due XXXX. I have no way of paying them or depositing my paycheck. Every penny is currently locked. My checking, savings, and my XXXX childrens accounts. How can TD Bank treat a customer like this? I have been a customer since I am XXXX XXXX XXXX and was an employee of this company. I am so disgusted and upset.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite submitting copious documentation proving the fraudulent nature of these accounts, your bureau seems content to let them fester on my report without any valid verification or effort to rectify the situation. This negligence on your part is not only unacceptable but also a blatant violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting. I was the victim & XXXX not sure why the FCRA is not complying with the law. Allowing these fraudulent accounts to stained my credit report and decreases my credit score has caused too much distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand immediate action to rectify this situation and a thorough explanation as to why your bureau allowed these fraudulent accounts to exist without proper verification. The burden of proof lies with you, and your lack of diligence in ensuring the accuracy of my credit report is inexcusable.

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 2017-03-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XX/XX/2016, I sent a dispute letter to Equifax disputing an unknown medical account. Equifax received my dispute letter on XX/XX/2016. On XX/XX/2016, I received an email that the dispute process has started. I received a new credit report dated XX/XX/2016 that stated " WE have researched the collection account # xxx. The results are we verified that this item belongs to you '', with instructions on how to contact the collection agency if I had additional questions. Per the instructions on my credit report, I sent a letter to the collection agency on XX/XX/2016 to the address Equifax provided on my credit report requesting validation of this debt. On XX/XX/2016, the letter I sent to the collection agency was returned to me by the USPS marked " Return to sender/Unable to forward ''. Per the USPA website tracking information for this letter, it said, " The addressee moved with no forwarding address ''. On XX/XX/2016, I sent another dispute letter to Equifax regarding this medical debt. I also included a copy of the XX/XX/2016 letter I sent to the collection agency as well as the proof of attempted delivery from the USPS website, that clearly stated that the letter was being returned to sender due to no forwarding address. I received an updated credit report dated XX/XX/2016, again their response was that they verified the account belongs to me, with the same instructions as before as to how to contact the collection agency with further questions. The collection agency address that Equifax is reporting on the XX/XX/2016 report, is the SAME address as the previous reports provided by Equifax. I also disputed this medical collection with XXXX XXXX and XXXX, and they bothe deleted the collection from my credit reports. 

On XX/XX/XXXX, I sent a letter to Equifax to inform them I filed a complaint with your agency as well as a copy of the complaint. On XX/XX/XXXX, I received a response from Equifax stating " The disputed account, cfpb is currently not reporting on the Equifax file ''. Obviously, my letter was not throughly investigated, since I am disputing an account with XXXX XXXX XXXX and " cfpb '' refers to your agency. I do not recall the date, but I called Equifax to speak with a supervisor in regards to their XX/XX/2016 letter and explain the " cfpb '' is not a debt I am disputing. She informed me that the debt I am disputing has been verified and instructed me to contact the collection agency. So, needless to say, I did not get anywhere with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2021-08-12
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:
I filed a dispute with Equifax on XXXX XXXX XXXX. I requested that the debt be validated and ownership of the debt be proved. I have a right to seek these 2 things under the Fair credit reporting act. Equifax ruled in favor of XXXX XXXX. Equifax or XXXX XXXX have yet to provide proof of this debt ( debt validation ) or ownership of this debt by XXXX XXXX XXXX. I filed a fraud complaint against XXXX XXXX XXXX with the SC Attorney Generals office. I submitted in my complaint the information that XXXX XXXX XXXX and Equifax have used to claim this is a valid debt. The SC attorney Genrals office agreed with me that the information supplied by Equifax and XXXX XXXX XXXX does not meet the legal requirement of debt validation nor has XXXX XXXX XXXX provided legal proof of ownership of this debt. XXXX XXXX XXXX is currently under investigation by the SC Attorney Generals Office for fraud. Here is the investigation # XXXX. XXXX XXXX XXXX has numerous complaints for making up fraudulent debts and submitting them to Equifax to scam people into paying these fake debts. I want Equifax to provide me with legal proof that this debt exist. The SC Attorney Generals office has went on record and said the documents so far that Equifax and XXXX have provided me do not meet the legal requirement for debt validation or debt ownership. I want to see the information Equifax used to rule in favor of XXXX XXXX in my dispute. Equifax is knowingly allowing XXXX XXXX XXXX to commit fraudulent acts. The CFPB is allowing Equifax and XXXX XXXX XXXX to continue to commit these fradulent acts, The attached document that Equifax supplied that they claim validates this debt and ownership of this debt by XXXX XXXX XXXX does not even meeet the standard of teh CFPB for debt validation and ownership yet the CFPB refuses to take action against Equifax and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
company is continuing to wrongfully verify information on consumer report sepiste numerous requests to validate every account thats reporting. That is my right as a consumer to know exactly what is being used to prove the accuracy on the account. I have tried to handle this account numerous times but I have been left with stall letters and in some cases flat out ignored. These companies are abusing us as consumers and not being held accountable. 

copies of letters and info will be provided

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was a victim of identity theft. There are many accounts and inquiries on my credit report that I have disputed, as well as names and addresses that have not been removed after I disputed them. I have mailed countless letters to this credit bureau & still are on 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
Consumer complaint received 2021-08-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The company in question with my VA Loan is Carrington Mortgage Services. My existing VA Loan was sold to this company. I started payment with them XX/XX/XXXX. This company has so many fees and they have made it difficult to send payment to them without assessing a service fee on top of the mortgage payments. Their is a service fee to pay online with Carrington, a service fee to pay over the phone. This company should not be allowed to service veterans with VA Loans as they are stealing money from veterans when we make payments. This is a practice that is disgusting. How can I pay my mortgage without them also charging me for sending them a payment. This is asinine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/22 I had logged into my Home Depot XXXX XXXX account for a purchase. 
Home Depot promoted their pro account revolving card. 
I do no own a business. I was looking for a credit card for myself and thought just because I had a pro rewards it wouldnt be commercial. I followed to application process and got the approval. 

After the approval I realized I was in the wrong card and contacted Home Depot within 3 business days. I contacted Home Depot to inform them of the mistake and speak with their credit department and discovered this was in fact a commercial credit card. I requested they change the card to a pro rewards consumer card however that did not seem to be an option. 

After speaking with representatives I decided I may be able to use this card. However the credit limit I received was only {$1000.00}. 
I requested for a credit limit increase that would be more suitable. I spoke with several representative from Citi to determine how I was only approved for {$1000.00} I have a XXXX credit score / making {$100000.00} year. 
They indicated the credit application asks average monthly Home Depot Spending I input {$1000.00}. The credit resolution representative advised me thats the language they use to imply requested credit limit Once I found out I was mislead and the credit application was worded I got angry and asked how I can get out of the credit card. 
I was told other than closing the card there was no way. 
This would negatively impact my credit score/credit report for an all around terrible experience being mislead and misrepresented by Home Depot and 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 2017-03-01
Company: Southwest Credit Systems, L.P.
State: DE
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 had a service with XXXX from XXXX to XXXX. I close everything down, returned the equipment and paid off what they told me what I owe and what was on the bill and that was it. I never heard anything from them until XXXX when I saw that they were on my credit report. They never sent me any notice ( s ) or anything for over 2 yrs. I started cleaning up my credit report in XXXX to my buy my home and I took care of everybody that was on my report and they were not there. In XXXX of XXXX, I moved and I was just checking my credit report in XXXX I saw Southwest collection for XXXX and called them and ask them what this was about and they said that I owed XXXX {$120.00} from XXXX. I told them that I paid what I owed and they said I did n't. I asked to show proof, they could n't, they said they would have to go into records to find the bill. They ask to send it to me and I gave them my current address and sent me a bill. I looked in my old bank account where I paid off XXXX with the last payment of {$30.00}. Also I see on the bill that they charged me for service XXXX and XXXX when I shut it off in XXXX. I told them that I paid everything, but they insist on saying that I owe them. I 've sent 2 disputes, one to XXXX ( they did nothing and are now re- investigating XXXX and XXXX just got rid of it because they 're in violation of fair credit reporting by not XXXX notifying me of the debt XXXX trying to collect on a debt that is over 2 yrs old and 3. putting it on my report without giving any kind of notice. I just recently talked with Southwest ( because they keep calling here ) and told them they were in violation and the guy said they could do whatever they wanted to do. Also they said they sent a notice in XXXX to an address that I live at in XXXX Please fix this and have them dismiss the debt and remove it from my report. Thanks P.S. I have bank statements showing what I paid, but having problems getting them. ( it is almost 3yrs ago ) I can get them if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX EQUIFAX : XXXX XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WY XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
To whom this may concern, I am reaching out about a XXXX XXXX Credit Card on my credit report that has not yet been removed and is continuously preventing me from progressing in life financially. I have reached out to Experian and XXXX multiple times in attempts to verify the legitimacy of this account and I have received no information or proof that this account is valid. Experian results show the account is still currently reporting after my dispute. As of now the only thing I have received is a notification from Experian with inaccurate results. XXXX has not responded at all. 

In my documentation I asked for a consumer signed signature form both companies and they could not provide this information. I also asked for any sorts of documentation that verifies this account and received nothing. I have reached out to XXXX XXXX XXXX Services directly and they are completely neglecting the issue at hand. 

XXXX XXXX XXXX XXXX Acct no : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Attached below are the letters sent to XXXX that I mentioned in the paragraph above along with receipts that require electronic signature from XXXX upon arrival. These exact same letters were also sent to Experian but i did not attach due to their response. 

- statement of personal information correction - 3rd attempt 609 letter letter dispute

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