BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Called TB bank  and applied for a loan on XX/XX/XXXX th spoke to the loan officer filled out application and quoted a rate primary home 2.875 % Refi cash out. I applied for the loan and the loan officer was supposed to lock in the rate on XX/XX/2020 at which time the loan officer tomorrow I will lock the rate in since I'm not in the office today don't worry. When I followed up with him again the next day he said was locking in today when he gets to the office. Monday came and I asked is all good are we locked in. He stated I will lock you in today don't. Then on Tuesday or Wednesday I called he now stated after I went over the ratesthat he had given me and stated I'm sorry the rate had changed. Now he quoted me a higher rate of 3.00 % and locked me in at 3 %. The loan officer clearly did not show up to work till Monday or Tuesday or reach out to the appropriate people to lock in the rate in time prior to rate change. The loan officer had plenty of time to lock in my rate. If he would of taken the extra step of reaching out to the right people or provided me with a contact at the bank to lock in the rate. This is not how business should be conducted at TDBANK, this is not a WOW experience that they preach in their slogan. I have multiple relationships with many banks and never had a worse experience then with TD bank. This has not only cost me money but has also cost me time since trying to close my Mortgage in XXXX, this must be the WOW experience they give their customers. I'm requesting immediate resolution from TD bank in to this matter. I did not agree with the company response at all. In fact I believe that the company TD Bank does not even care for the customers. Clearly they wrote something without even asking me a question. The bosses are protecting their interests and employee. I have text messages from the employee and me telling him we should of been locked in already. Both loans were given the day I called and told XXXX to lock me in. To only find out he did not even put one of the loans into the computer. This is new to me upon their information given as an explanation. Because I put BOTH LOANS in the same day. But they say otherwise. Let me know where I can send the text messages to? I have them. Also the employee texted me that I have an " attitude '' I have that as well texted to me. Would you like that text? I have it as well. He was upset that I was telling XXXX what he promised so he texted me and offended me by saying I have an attitude. Is this protocol to call your customers in text ATTITUDE? Also your employee texted me " I tried to help you but who cares anyways, you don't ''. Would you like that text as well??? If you are serious in resolving the issue in hand please reach out to me and look into my side of the story and see the proof in writing which I have in text. Please get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: NV
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:
There are several accounts that do not belong to me, nor do I have a contract with. Please remove them from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are several accounts that do not belong to me, nor do I have a contract with. Please remove them from my credit report. 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 2023-11-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: NCB Management Services Inc.
State: NY
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 Filed a dispute in regards to the inaccurate information on my credit report, it has been well over 30 days and I haven't received any investigation result. 

Date XX/XX/2021 amount XXXX NCB MANAGEMENT SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
According to FCRA laws if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2021-03-22
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On the day of closing on a refinancing, Amerisave increased the financing fees ( points ) on the loan by {$820.00}. The closing documentation makes it look like it was simply an error by the closing agent, but the company has refused to correct the error or even respond to my complaints.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the process of buying a home and my closing date is coming up this month. I was preapproved for a mortgage but when my broker went to pull my credit for the application XXXX  was not returning a score. 

For context, I opened my first credit card in XX/XX/2019 as well as adding a car lease in XX/XX/2019. I have been able to establish my credit with XXXX  and XXXX  but not XXXX. 

I have been calling XXXX  and my creditors for over a month now trying to figure this out. XXXX   does not have a credit profile for me and neither Capital One nor XXXX seem to know whats going on. Ive mailed them all documents, filed disputes, sat on hold for hours on a daily basis. I have been told different stories and every time I feel like I have a sense of XXXX going on a customer service rep tells me a new story as to why I dont have a credit score and whos fault it is. 

I have asked my credit card company, Capital One, and my auto lease company, XXXX, to send my information to XXXX. I requested it be expedited as my closing date is soon approaching. I fear I will lose my home because XXXX  is not reporting a credit score for me. 

I can not express how much I appreciate anything you can do to help resolve the situation. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: C.Tech Collections, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX XXXX collecting a debt, this is not my debt and no more contact or ill sue them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I found out about this debt after I got my credit report. I asked them to validate this debt with information and they have yet to supply me with it. I told them it is unlawful to try to collect a debt which includes reporting it on my credit report but they are ignoring my request for validation and neglecting the law by reporting it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I paid off two cars and my ex-wifes child support. On my credit report for Equifax, they dropped my score XXXX points, and removed one of my cars from the report. This is the second time in one year Equifax as attempted to fraudulently lower my credit score, thus allowing banks to try to charge me higher interest rates based off manipulated credit scores. Furthermore, when attempting to call and resolve the issue, the company attempted to gather inappropriate information like my drivers license and picture to file my complaint. I had already provided my SS number, by birthdate, my address, and my phone number. I refused to provide my license, as that would allow anyone at the company to store and use my information in devise ways. I dont appreciate this company again attempting to defraud me, taking my time and money, and acting like its not a big deal. I want this company fined for their behavior, and to be ensured they dont treat me like this again. Furthermore, after a car is paid off, the car is stay on your credit for 10 years. This company is trying to drop the car off my credit immediately. Again, this company has an obligation to the American people to get their facts straight, and to stop trying to commit fraud. The company is doing the same thing to my wife, whose credit is significantly different then the other two credit reporting companies. Clearly this company feels empowered to commit fraud, and not follow the rules. Furthermore, them attempting to gather information not required to fix credit scores outlines their need to collect data on individuals so that data can be sold on the open market. Again please for this company to immediately fix my credit score, and fine them a significant amount of money, that way they stop this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom this may concern I have contacted XXXX XXXX XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. 

I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this 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 explanation
Consumer complaint received 2023-03-18
Company: Medical Data Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I was contacted by Medical Revenue Service about XXXX amounts allegedly owed by me to XXXX XXXX XXXX XXXX for services rendered in XXXX. After investigating the claim, I found that this alleged debt was the result of a clerical error on the part of my insurance company, XXXX. XXXX listed XXXX XXXX XXXX XXXX as a Tier XXXX provider when in fact it is a Tier XXXX provider. Since XXXX XXXX XXXX XXXX is a Tier XXXX provider, my sole responsibility was the payment of my co-pay, which all parties agree was paid. I know XXXX XXXX XXXX XXXX is a Tier XXXX service provider because XXXX paid them for other services rendered by that facility as a Tier XXXX  service provider, both in XXXX and in other years. 

On XX/XX/XXXX I contacted Medical Revenue Service and spoke to XXXX, and informed her here was a bona fide dispute as to the existence of this debt. XXXX told me that the alleged debt has been marked as challenged. The same day, I sent a written notice to Medical Revenue Service laying out these facts and confirming that there is a bona fide dispute as to the existence of this debt. However, today, XX/XX/XXXX, I received a XXXX letters from Medical Revenue Services still attempting to collect this debt, despite my verbal and written communications. 

I believe Medical Revenue Service has violated my legal rights by continuing to collect this non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this letter in an effort to remove inaccurate, outdated, charged-off, and fraudulent information from my credit report. I have made several attempts to get the issues resolved. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : DEBT RECOVRY SOLUTIONS ( # XXXX, # XXXX ), XXXX XXXX # XXXX, U.S DEPRTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX XXXX # XXXX. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please REMOVE/DELETE these inaccurate misspelling of my name IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX *My address is XXXX XXXX XXXX XXXX, Ohio XXXX Please REMOVE/DELETE PHONE NUMBERS : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX *My phone number is : ( XXXX ) XXXX Please REMOVE/DELETE SOCIAL SECURITY NUMBERS : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Attempted to get my TransUnion credit report every day for the past week. Each time, it says my report in unavailable. I chatted with a representative on XX/XX/23. He informed me that TransUnion blocks access to credit reports while there is a dispute being investigated. There is no such law that allows any credit reporting agency to block access to a credit report after filing a dispute. I requested a copy of my credit report to be mailed to me and the representative said he can not send a copy of my credit report either.

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 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have XXXX loans with XXXX XXXX, I always use XXXX  and Bank of America online bill pay to pay all XXXX mortgages same day, XXXX XXXX charges late fee if no payment received by XXXX. 

XXXX XXXX XXXX, I use XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, never had any problem. 

XXXX XXXX, I used Bank of America online bill pay to pay monthly mortgage since XX/XX/XXXX, BOA mailed checks to loan deport typically very quickly. I had XXXX late fees from XXXX XXXX, after I talked to XXXX XXXX, they waived those fees due to their delayed processing of check from Bank of America online bill pay. 

XXXX XXXX XXXX, I used Bank of America XXXX XXXX pay to pay monthly mortgage since XX/XX/XXXX, XXXX XXXX charged me XXXX late fees ( {$290.00} XXXX ) so far, I called them, XXXX XXXX agreed to waive XXXX late fees due to their delayed processing of check from Bank of America online bill pay. They still keep XXXX late fees, they said BOA mailed those XXXX checks late, I called BOA XX/XX/XXXX with case number XXXX and mailed them all the docs per their request. ( they do not allow email ) I followed up XX/XX/XXXX, XXXX XXXX, after listening to music XXXX minutes, the customer service rep XXXX XXXX employee ID XXXX  ) said they can NOT do anything about it, your help will be greatly appreciated. 

With details below I requested BOA online bill pay XX/XX/XXXX, BOA mailed check XX/XX/XXXX, BOA online banking showed payment clear XX/XX/XXXX, XXXX XXXX XXXX payment deadline, they shall not charge me late fee, they shall waive it. 
I requested BOA online bill pay XX/XX/XXXX, BOA mailed check XX/XX/XXXX, XXXX XXXX processed payment XX/XX/XXXX. BOA shall reimburse me late fee I requested BOA online bill pay XX/XX/XXXX, BOA mailed check XX/XX/XXXX, XXXX XXXX processed payment XX/XX/XXXX. BOA shall reimburse me late fee XX/XX/XXXX, XXXX XXXX offered me the option to pay from XXXX XXXX XXXX account which will complete payment within XXXX biz day. From now on, I will stop using BOA online bill pay, and only pay from XXXX XXXX online account, to avoid future headache.

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 monetary relief
Consumer complaint received 2023-06-12
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the inquiries in. question. ( 1 ) XXXX XXXX XXXX XXXX XXXX. ( 2 ) XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX. ( 4 ) XXXX. ( 5 ) XXXX XXXX. ( 6 ) XXXX. ( 7 ) XXXX  XXXX XXXX. ( 8 ) XXXX XXXX XXXX ( 9 ) XXXX  XXXX. ( 10 ) XXXX  XXXX  XXXX. ( 11 ) XXXX XXXX XXXX. ( 12 ) XXXX  XXXX. ( 13 ) XXXX  XXXX. ( 14 ) XXXX  XXXX XXXX XXXX. ( 15 ) XXXX XXXX XXXX XXXX  XXXX. ( 16 ) XXXX XXXX XXXX. ( 17 ) XXXX XXXX XXXX XXXX ( 18 ) XXXX XXXX XXXX ( 19 ) XXXX XXXX. ( 20 ) XXXX XXXX. ( 21 ) XXXX XXXX XXXX. ( 22 ) XXXX XXXX. ( 23 ) XXXX XXXX  XXXX XXXX. ( 24 ) 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 explanation
Consumer complaint received 2021-03-22
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phone bill with XXXX XXXX in XX/XX/22. 
For month long trip to XXXX XXXX during which mobile phone service did not workcould not make calls nor sent text msgs. 
I was billed approximately {$560.00} for this month and disputed charges. I was willing to pay {$150.00} of the bill and I did so. My credit card company also looked into the matter and agreed with paying only {$150.00}. 
Now I am receiving notices from a debt collector Professional Credit Services saying {$490.00} is owed. I will not pay 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 explanation