BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had opened two custodial accounts with TD bank for my two kids back in the late nineties, As as XX/XX/XXXX account # XXXX had {$67.00} As of XX/XX/XXXX account # XXXX had {$4100.00} About three months ago I went to withdraw money from the accounts and was told that they had been turned over to the state due to inactivity, but going on the State of CT. website i discovered that they had not been turned over. 
This is from the TD Branch in XXXX, CT. 
Ever since then I have been given the runaround first by the assistant manager XXXX XXXX and about two weeks ago by the manager ( I did not write down her name ), who said that the money would be available the following day in the form of a check. 
When she did not contact me to pick up the check I called and left a message. This was on or about XX/XX/XXXX. She has to date not returned my call nor has she refunded the money I had in the two accounts totaling {$4100.00} plus accrued interest. 
I have been advised that these two accounts are no longer in the system but I do have the passbooks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent letters to the respective agency last XX/XX/2022, but up until now I haven't received any repose from them. I am very stressed right now and I felt being ignored and being taken advantage.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX  XXXX {$91.00} XXXX XXXX {$730.00} XXXX XXXX {$710.00}

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 explanation
Consumer complaint received 2018-03-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with US Bank that is due on the XX/XX/XXXX of each month and never missed a payment or made any payments over 30 days late. On Sunday ( XX/XX/2018 ) I was involved on a major auto accident that took a lot of my time during the week, and yesterday ( XX/XX/2018 ) I made my US Bank payment. Today I received a notification of a {$27.00} late fee and tried to contact a supervisor at US Bank to reverse that late fee, considering that I was not late when I made my payment yesterday. I was first transferred to XXXX, and then XXXX ( same voice, but stated to be two different supervisors ) and then to XXXX, who also said he is a supervisor. All three refused to work with me and reverse the late of on my online payment. I have a screenshot of my payment that proves my payment being made on time.

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 2018-02-07
Company: One Technologies, LP
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company has been taking my money for a year and I never agreed to this account. This company owes me {$400.00} and they refund it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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: Personal information incorrect

Complaint:
Please update all of my personal information on XXXX, XXXX, and Experian.

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 2020-05-27
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$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 explanation
Consumer complaint received 2018-07-10
Company: Finance of America Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I want to address an issue I had with XXXX mortgage company ( finance if America ) and my loan agent. When I started the process of finding a loan, the loan agent was extremely accessible and professional. However, once I had my loan rate locked in, problems started arising. The loan agent became extremely rude and difficult to get a hold of. He kept telling my realtor via email that he is in a meeting or training and never returned mine or my realtors calls. I was told 3 days before the close of escrow that my loan will not be approved since I did not make enough money last year, due to being on XXXX XXXX. The loan agent told me he has to add points to approve my loan, which was an additional {$1700.00} that I did not anticipate paying. This also delayed my escrow and I closed late.

I do not understand how this happened, as I had sent all my documentation and income statements before I signed the original loan rate contract. This should have been verified from day one, not 3 days before close of escrow. At that point, it was to late to change mortgage companies.

When I find out they were changing my locked rate 3 days before close of escrow, I was so disappointed, I emailed the loan agent and demanded to speak to his supervisor. The loan agent told me that he forwarded my email to his supervisor and if his supervisor chooses to call me back, then he will. I of course never heard back from any supervisor.

The tactics used were unethical and unprofessional. They forced me into a situation that left me with no options. Either accept the terms or lose my {$17000.00} deposit and then not have an immediate home for me and my XXXX children. I did my research and this mortgage company had good ratings. However, my loan agent used substandard practices with deceptive techniques. This company reduced my chances of acquiring a new home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
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: Account status incorrect

Complaint:
Ive been current on all my payments to XXXX and it is being listed as late for two months ( XXXX and XXXX ) and that is incorrect.

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 2018-10-04
Company: EQUIFAX, INC.
State: NC
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:
My file has been split now for about 3 years. Just recently they half fix it where all my accounts are showing on one. But when I apply for credit it pulls up another file. One that has fraud alert on It. The fraud alert does not even have a phone number. I have been denied credit increases because of this. Keeping my score very low. I have asked them to remove the inquiries that I didnt do. They have not. My file was part of the security breach with equifax. I have submitted police reports and filed with attorney general and FTC. but I still have a split file. I want it merged. They keep saying they only see one. But if I apply for anything it says I have a fraud alert on my file with no number. I am looking into going to an attorney because they have caused me to loose a house loan because of this mess

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I visited XXXX to obtain a copy of one credit report. After providing my personal information three times for each of the agencies, I was denied access to my report by all three : XXXX - " We are not able to deliver your free XXXX credit report online '' Transunion - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation. '' XXXX - " A condition exists that prevents XXXX from being able to accept your request at this time ''

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 2021-11-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Ive been current on all my payments to XXXX and it is being listed as late for two months ( XXXX and XXXX ) and that is incorrect.

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 2018-07-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has tried to collect the amount of XXXX dollars from me. I havent defaulted on any bill or statement in a few years. they hit my credit for that amount 3 time in just one month. the dates are XX/XX/2018, XX/XX/2018, XX/XX/2018 they are all for the same amount XX/XX/18 and XX/XX/2018 are both on my XXXX the XX/XX/2018 is on my XXXX. i have never even heard of this company before.

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 2021-10-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Second complaint. Company changed numbers. I was contacted XX/XX/XXXX. Called back 3 times XXXX with no answer. They called my wife at work today threatening a lawsuit they say i owe {$1300.00} from an old HSBC credit card. I asked to please provide me a letter of explanation they got smart rude and obscene then hanged up. I have no way of communicating with them they don't answer my request for documentation. The number belongs to XXXX XXXX XXXX in an XXXX XXXX. They seem to have my last 4 digit social, name and they also know my wife first name. I honestly dont know of this debt and if it ever was true we could be talking decades. Also they keep calling themselves a law firm without explaining who they are and their number does not falls under any business. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: WY
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:
Tried to get my credit reports today via annualcreditreport. The XXXX  and XXXX XXXX had no problem verifying my identity and giving me my online report. Equifax gave me four nonsense questions that didnt pertain to me for verification. I answered does not apply. Equifax proceeds to tell me I cant get my report because my info is incorrect. Cant back out of the page only option is to close web browser. Tells me I have to send in documents like rent payments and social security card which I am not going to do. I looked it up online and hundreds if not thousand of people have had this exact problem with specifically equifax in the specific sequence I just laid out. How is this company allowed to operate still when theyve been doing these tactics for over five years now according to my search.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Information belongs to someone else

Complaint:
My Credit rating was excellent. However, my spouse passed away on XX/XX/XXXX. Since that time, several of her creditors have erroneously and or fraudulently attempted to report her collection accounts as mine. In this case, the merchant, XXXX XXXX XXXX XXXX reported 2 amounts of {$270.00} & {$510.00} to both XXXX and Equifax as collection accounts in XXXX. At that time, I disputed both charges and both XXXX & Equifax removed the accounts as they belonged solely to my deceased wife or were fraudulent, A year later, in XXXX, the same merchant XXXX XXXX XXXX XXXX, once again reported the same two amounts {$270.00} & {$510.00} as collection accounts to both XXXX and Equifax. Once again I disputed both charges. XXXX conducted their investigation and removed the erroneous/fraudulent collection accounts. I called Equifax on XX/XX/XXXX to dispute both charges. Apparently, Equifax only disputed 1 charge. As such, I called again on XX/XX/XXXX to redispute both charges. My Equifax credit report is currently showing the charge for {$270.00} has been resolved by the data furnisher. The charge for {$510.00} ( with the same company ) remains open and unresolved 5 months later. It should be noted that Equifax conducted an investigation into the same two charges in XXXX and determined the accounts were not mine. As such, my credit rating with XXXX stands at XXXX, while my credit rating with Equifax is XXXX. Because of the erroneous? fraudulent collection accounts on my Equifax report, I was declined for a credit card ( reason given was a collection account on my report ). More importantly, due to unforeseen circumstances, I will have to vacate my home in the next 30-45 days. and these two erroneous/fraudulent accounts on my Equifax report will prevent me from purchasing a new home. More importantly, these accounts do not belong to me. In closing, my complaint issues are the following ; # 1 The two accounts referenced above are erroneous and or fraudulent and should be removed from my Equifax report as XXXX has done. # 2 How did Equifax conclude in XXXX that the same two accounts were in fact not mine, but in XXXX, they now conclude the {$270.00} charge belongs to me and after 5 months, the {$510.00} ( from the same company which was removed by Equifax in XXXX ) charge still shows as open and unresolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: EQUIFAX, 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:
FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX OF XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX AF Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/2021, I have not received my monthly mortgage bill statement. My payments are due on the 1st of the month. In addition, I have not yet received my tax form from my mortgage servicer. I assumed it had been lost in the mail, so I called the company today to find out what was going on. It turns out that they sent out the monthly invoice and tax statement on XX/XX/2021. That is 5 days before the due date - 4 business days before the due date of the payment. That's not enough time to get the statement in the mail from them, much less enough time to send payment in in response. If I had done such a thing, I would be subject to all kinds of late fees and interest. This is unacceptable behavior and a failure to perform their duties as a loan servicer. They are trying to set people up not to make timely loan payments. This is an unfair and deceptive practice.

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 2019-11-13
Company: Experian Information Solutions Inc.
State: MI
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 RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX  XXXX XXXX/ ACCT : XXXX****/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX   XXXX/XXXX XXXX XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX HOSP /ACCT OPENED XX/XX/XXXX XXXX {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX/ XXXX XXXX   XXXX/ XXXX XXXX  XXXX/ XXXX XXXX/ XXXX/ XXXX-XXXX/ 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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My loan with XXXX XXXX shows as a right off, bad debt, when the loan was paid by the GAP insurance on the vehicle after an accident that resulted in a total loss of the vehicle. It shows as a charge off, bad debt.

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 2018-07-10
Company: Mr. Cooper Group Inc.
State: IA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX and XX/XX/XXXX we closed 2 transactions where the seller had a first mortgage with XXXX XXXX and then a second mortgage was recorded for the exact amount to Secretary of Housing. They are assigned to Nationstar Mortgage and then assigned to XXXX XXXX. They are in essence placing a double lien on the person 's property although they have only one mortgage. I understand these are reverse mortgage 's but XXXX Mortgage/XXXX XXXX  have been paid off months ago and they do not prepare and file a release. We have a lender that has been asking for their final policy for 3 months now. We have called everyone including Secretary of Housing, XXXX, Nationstar, XXXX XXXX to no avail. This is ridiculous and I thought RESPA said they needed to file a release within 30 days of being paid off? If this is something you can help us with please feel free to contact me for more information and proof. 
Thanks, XXXX

Company response to consumer: Closed with explanation