BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Emailed the loan representative, her manager, and manager 's manager about the unauthorized credit pull on XX/XX/22. Emailed them twice, and called once and left a message. No response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXXXX/XX/XXXX ; IXXXX XXXX XXXX XXXX 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 2019-07-24
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as Ability Recovery Services had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX, XXXX Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and that all information is correct.

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 2023-08-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, This past XXXX I made a purchase at XXXX XXXX and used their in-house financier - TD Bank to fund the purchase. XXXX let me know I wouldn't have to pay the fee until the items arrived which was some time in XXXX. They also let me know TD would be sending me a welcome packet with account information so I could setup bill pay. It wasn't until XX/XX/17 that I finally heard from TD Bank in the form of a collections note. I immediately paid the bill over the phone and asked for all my bills to be sent to me moving forward so I could access my account number. During the rest of XXXX and the month of XXXX I made XXXX more phone calls to TD Bank and spent at least XXXX hours on the phone trying to get my account number. My first bill didn't arrive until late XXXX so I missed another payment for an account I couldn't access nor did I have any knowledge of the amount due. During this time my credit score dropped from XXXX to XXXX all because TD Bank failed to send me any account information or a bill for XXXX  months. And they've had the audacity to add late fees to my account. They were also supposed to send me a credit card however it still hasn't arrived. 

As I understand it you will be sending the complaint directly to the company but if I've already complained to them several times asking for a simple bill that took them months to deliver how will this help me? 

Thank you for your help. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: OH
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:
Late payment on XXXX XXXX XX/XX/XXXXXXXX never been late on a payment account identity theft when the account was late I called XXXX XXXXXX/XX/XXXX when the identity theft happened and wrote a statement

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 2023-03-23
Company: EQUIFAX, INC.
State: OH
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 my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX Balance : {$210.00} XXXX  ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My identity was stolen when I was XXXX I put out a police report even sent it to XXXX system no accounts in XXXX  that were closed for someone doing fraud on them should still be saying open. I contacted Bank of America it has berm hard I tried to even get my account back.

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 2023-08-10
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello there my name is XXXX XXXX. I spoke with an agent over the phone and they provided this email to correct information which was appearing in my credit report. I used to have a mortgage with Flagstar but it is currently inactive and paid off. 

The address I don't recognize and not sure why it's on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I would like to remove this address as I've never been associated or lived at that address. My address for mortgage was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 

My date of birth is XX/XX/1988. Current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please correct this, I tried to email the email customer service agent provided : XXXX. But it does not exist. I appreciate the help, thank you.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXXXXXX XX/XX/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 2018-12-15
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from a debt collection company on XX/XX/2018 demanding payment for a supposed debt, they failed to give thirty days notice of the assignment of the debt to them which is required by Florida debt collection laws. ( As per Florida Statute, Title 33, Chapter 559.715 In order to resolve the debt i sent them an offer of approx 40 %, ( XXXX ), of the amount they claim i owe, ( XXXX ) .They responded with a second letter on XX/XX/2018 stating " they accept my offer of XXXX dollars '' and demanded i pay within 30 days. 

I never offered them XXXX, they are fraudulently claiming so, on top of their violation of florida debt collection laws. 

i have attached all correspondence between myself and this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
n accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXXXXXX XXXX XXXX  : ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX  : ACCOUNT # XXXX XXXX. XXXX XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX : ACCOUNT NUMBER # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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 2023-03-31
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo XXXX XXXX XXXX XXXX IA XXXX un authorized hard inquiry on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX Authorized hard inquiry on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. UN Authorized hard inquiryon XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks, XXXX. UN Authorized Hard inquiry 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 explanation
Consumer complaint received 2018-12-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When we purchased our home in XX/XX/XXXX the lending company, XXXX XXXX, qualified us with a payment that only included property taxes on the unimproved land. The tax payment totaled about {$500.00} a year. The actual taxes on the improved land were about {$4500.00} a year. The difference in monthly payments was about {$350.00} per month which would have prevented us from being qualified due to the debt to income clause for FHA loans and also not to mention we could not afford a {$1400.00} payment at the time as we only had budgeted for {$1000.00}. 

Fast forward to XX/XX/XXXX when we received an escrow analysis letter. This stated our escrow account was negative {$4000.00} dollars and we had not been called or notified prior to this letter. The reason it was negative was due to the property tax bill being paid out of that account in XXXX for the proper amount of property taxes with the improved land, about {$4400.00}. The escrow account had been negative for over a year and we had not been notified as well as not seen the balance inside our online account with Pennymac.

I called Pennymac after this to see if there was anything that we could do to mitigate this issue and not end up having to pay a total of {$8000.00} which was combined the negative balance from XXXX and XXXX. The original options they gave me were to pay the total up front, then my mortgage would only rise to {$1300.00} or spread the {$8000.00} balance over 12 monthly payments added to my mortgage, which would have doubled the payment from {$1000.00} to {$2100.00}. We could not afford this. When I called, they offered to extend the {$8000.00} balance from 12 monthly payments to 36 monthly payments which would then put the payment at {$1600.00} per month. 

This is then where we are, with a payment that went up {$650.00} overnight that we can not afford long term. We are burning our savings doing this and working two jobs.  We could possibly lose our house because of predatory lending from XXXX XXXX  and oversight on Pennymac 's side.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-22
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and Transunion credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collector is reporting that I owe a debt to them from 2019. I dont have any owed debts to this company and its a violation of my rights for them to be reporting incorrect information to the credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I received a text from ( XXXX ) XXXX stating : " We have been trying to contact XXXX XXXX regarding outstanding ACCT # XXXX.Please Contact XXXX at your earliest convenience. '' -- On XX/XX/XXXX, I hit the phone number ( which was a live link to dialing ) that appeared in the text message, and an aggressive XXXX American man answered saying he was from a company called " XXXX '' and he claimed they were a " mediation firm ''. He tried to bully me into giving out my personal information. I wouldn't confirm my name or phone number ( worried it was a phishing scam ), but he said he could look me up by my phone number and asked " is this XXXX XXXX? '' I asked him what this was about ( not confirming my identity ) and he wouldn't give me a " debt '' amount for the supposed delinquent debt, or a company name for the supposed " debt ''. However, he threatened litigation and when I wouldn't give out my personal information, he told me that my " debt '' was going to be sent to court and I'd have to get my lawyer to deal with it and he hung up. 

-- On XX/XX/XXXX, I called the XXXX again from a landline and got an aggressive woman who said she was with " XXXX '' also and she sounded like she was in a boiler room/call center. She demanded the last four numbers of my social security number. I did not give that to her so she hung up on me. 

-- I called a third time on XX/XX/XXXX and spoke to a woman who said she was in XXXX, Florida who said she was from " XXXX '' and that they were a " mediation firm ''. She said the last two times I called the XXXX number it did not go to XXXX because she would've had record of it on the system. ( Even though I used the link in the text that was sent me, she claims the other two prior calls I made did NOT supposedly go to XXXX XXXX She also would not give me any information on the supposed " debt '', other than the first two calls supposedly didn't go to XXXX. 

-- FYI : I have no outstanding debts. This seemed like a bullying phishing scam. My credit score is XXXX and I meticulously track all my monthly payments on a chart. 
-- FYI, they knew my legal name just from my phone number and were able to quote the last 4 digits of my social security number as well. 
-- PLEASE, go after JP Morgan again as I understand they did this sketchy " collection '' stuff in XXXX and your agency won a class-action suit against them, and it appears they are doing it again!! I have no such debt. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: U.S. BANCORP
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have made at least 3 attempts to get a simple copy of my XXXXXXXX XXXX XXXX.. After hours and hours trying to navigate the contact maze, when I do get a response, they say they dont have anything. 
US Bank purposely uses a complicated email address. 

XXXX  Please be advised, we can not locate this loan with the information provided. In addition, please note, U.S. Bank Home Mortgage retains loan documents for 7 years after the loan is paid in full. After this time, the documents are destroyed. I am sure you destroy the computer digital copy. Not.

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