BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XXXX of XXXX my husband filled out an application for a VA loan refinance mortgage at the local TD Bank branch where he does business. I am at XXXX veteran. I served in the XXXX XXXX XXXX XXXX  from XXXX - XXXX. After complying with all of TD Bank 's document requests, they had given us a tentative closing date of XX/XX/XXXX. As the date approached, I was in contact with the lender the week before because I was planning a trip to California on XX/XX/XXXX and would not be back until XX/XX/XXXX. I wanted to make sure that we would be closing on the XXXX. The lending officer assured me that things were going along and that I shouldn't worry because our rate was locked until XX/XX/XXXX. Here we are XX/XX/XXXX and we still have not closed on the loan. I have complained several times to the loan officer that this process was taking an exceptionally long time. She requested more information about my job history TODAY, the day our rate lock expired. She said she extended the rate lock for an additional 15 days. I asked her why she didn't ask for clarification on my work history last month. She said the underwriter just requested it. I told her I did not okay a rate lock and would not Okay one without a firm closing date. She said it can take hours for the underwriter to review the loan information, which they now have had for 4 months. 
During this process, sometime in XXXX my husband received an email asking him to explain about the property he owns in NJ. He does not own property in NJ. The bank mistakenly uploaded another clients information into our portal. My husband was able to see the man 's name and the property he owned. TD Bank pushed it off as if it wasn't an issue. 
I told her I would be filing a complaint about the handling of this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The accounts date of last activity was in 2014, well over the time allowed to report a negative item. This account needs to be completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit. I have contacted the bureaus multiple times to remove these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint concerns Equifax. For some bizarre reason, I appear to be blocked out of my Equifax online account? I keep getting told that my username and/or password does not match what they have on file. This is absolutely IMPOSSIBLE. I am entering all my log in information ACCURATELY. Upon googling this issue, I found out that other people have experienced the EXACT SAME problem. Equifax is doing something, and I want to know what it is and why they are doing it. I asked a relative of mine to log in to their account. They are being told something else : something along the lines of " at this point we can not service this account ''. In other words, they too are NOT allowed to log in to their account. Since I am prevented from using my Equifax account, I can not : a ) freeze/unfreeze my credit file and b ) dispute items on my credit file. This is ridiculous! My Equifax account is associated with email address : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BE LONG TO ME

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 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was taken advantage of due to malpractice of several laws being broken under FCRA by your company. This has caused financial injuries on my credit report. It has also caused me defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. Under this crisis you have hurt my ability to obtain credit.

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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed a complaint recently against XXXX, i has ask XXXX to remove all credit inquiries off my credit report because I did not recognize any of these inquiries they have failed to delete thee off my credit report I took screen shots to show that there still on my report, some of these inquiries are on my XXXX credit report twice I will provide a FTC identity theft report and the screen shots these screen shots were taking today XX/XX/2020, I want these removed off my report, I was told by a rep from the Consumer Financial Protection Bureau to feel another complaint since these inquiries was not removed from my report thank you, please have XXXX remove these remaining inquiries I do not recognize

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 2018-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
XX/XX/2018 a letter was sent in regards of the in accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01
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:
Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Experian Information Solutions 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:
filed ftc accounts names address not mine XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$180.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$420.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$190.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$480.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payment date not reported Account TypeAuto Loan Balance {$7000.00} Date OpenedXX/XX/XXXX Detailsunder dispute icon

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America is listing 2 accounts on my 3 credit bureaus which are nor mine. I am a victim of Identity theft and these accounts are not mine. A hacker got my personal information on the dark net from the XXXX   Hack and has formed several accounts in my name. Remove these accounts ASAP!!!

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 2021-08-12
Company: Experian Information Solutions Inc.
State: PA
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 found out that I am a VICTIM of Identity theft and that there are several fraudulent items on my credit report that doesn't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company.

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 2017-08-01
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On, XX/XX/XXXX I received a post card from this company offering a loan. So, I went online and was approved for {$300.00}. Ok fine. Sign everything. Except was n't included in the papers was I would be paying back {$1200.00} until XX/XX/XXXX. There I rest rate is XXXX. I called them to cancel after reading this, and told me it was to late. Has of today, the XX/XX/XXXX they withdrew {$110.00} from my account. Interest is {$39.00} {$73.00} is principle. This is a scam. I called my bank to stop any other future withdrawal. Also, I am on SSI, the monthly income to get this is {XXXX}. That 's what I receive. They do n't answer the phone emails. Nothing. The reviews and the complaints on this company is outrages. They fool you into this without sending the real paperwork, which states the loan interest until after they give you the money. Then your trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CURO Intermediate Holdings
State: WA
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:
This account that I am reporting was originally a short term payday loan I am a Washington State resident I went to Oregon state got a pay day loan for {$350.00} And some unexpected things happened and it wasn't paid then this account was added to my credit report which the original contract at that time did not state anything about Credit reporting the original company is called speedy cash then just recently it was sold off to a company called XXXX XXXX XXXX XXXX This company never ever notified me of anything that they had purchased the account they never sent anything in the mail stating that they were going to add this account to my credit report there was no communications I had contacted speedy cash collections department and asked them what happened and they referred me to the 3rd party company that has obtain the Debt And because of this tough time with covid19 Money is tight I had used Part of my stimulus money to pay this in full.. On XX/XX/XXXX it was paid in full Originally when I had contacted speedy cash I had a verbal conversation and I told them if I was able to pay this account in full would they be able to contact the 3rd party debt collector and tell them to remove this off my credit report and they said yes but they said I have to contact XXXX XXXX XXXX They referred me gave me the number I spoke to to people that day the 2nd person I had set up the payment it was processed and they have no other reason to report this on my credit report I have submitted multiple disputes and nothing has changed I have provided documentation to the credit bureaus supporting all the information is true that I gave from me contacting the original debt collector which was speedy cash then they referred me to the other company to pay it and they are refusing to take it off and this is a big problem specially in This time of need because I have other bills that I need help with and this sitting on my credit report is really badd when it was added to my credit report my score went down Big time All I'm trying to do is get this removed and move on with my life because I did not receive any notifications from this company no phone calls no emails no nothing up until I contacted them pay them in full So if we can get this fixed that would be nice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: JPMORGAN CHASE & CO.
State: VA
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:
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed a complaint recently against equifax, i has ask equifax to remove all credit inquiries off my credit report because I did not recognize any of these inquiries they have failed to delete thee off my credit report I took screen shots to show that there still on my report, some of these inquiries are on my equifax credit report twice I will provide a FTC identity theft report and the screen shots these screen shots were taking today XX/XX/2020, I want these removed off my report, I was told by a rep from the Consumer Financial Protection Bureau to feel another complaint since these inquiries was not removed from my report thank you, please have equifax remove these remaining inquiries I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: CA
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 have been trying to get this issue resolved with Equifax since XX/XX/XXXX. This began when I was unable to get a copy of my credit report when attempting to buy a house. I called Equifax consumer affairs to get my report that same day but was unsuccessful. Per the websites suggestion, I then faxed Equifax a copy of my ID and Social Security card to verify my identity. Since XX/XX/XXXX, I have been calling consumer affairs daily to try to get my credit report. 
On XX/XX/XXXX, in an effort to get this resolved I reached out to XXXX ( the credit report furnisher for mortgage lenders ). The representative, XXXX, advised me to make a call to Equifax. Equifax told her that the lender could not get my report because Equifax had a different Social Security number and to send proof of my identity, which I had already done multiple times! Since that day, I have been calling AND faxing Equifax daily to try to get this fixed. When I finally received a response from Equifax last week, it was a notice from Equifax XXXX, stating that they are unable to locate my file! I never contacted Equifax XXXX by phone, fax, or any other means. After learning this, XXXX gave Equifax another call and they were told the consumer affairs office is closed and to leave my information and a call back number. I still have not received a call. These responses are just further proof that Equifax has no intention of assisting me or resolving this issue. 
I am very distraught over XXXX incompetent handling of this and it is going to cause me to lose the home I am purchasing. I have already paid a {$2000.00} deposit on this home, {$450.00} for an appraisal and {$350.00} for a home inspection. The {$200.00} deposit has already been released to the seller early. In addition, my lender has paid {$250.00} to extend escrow past the normal extension time. At this point the seller is considering cancelling the transaction. If this happens, all that money will be lost. Simply because Equifax refuses to release my credit report. Please see attachments for supporting evidence. 
I want to be clear. If this isnt resolved quickly, or I lose this house, I am going to file a lawsuit against Equifax for its egregious mishandling of my file. I refuse to allow them to cause me any more harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I XXXX  four years ago in XXXX XXXX and came to live in XXXX. I moved the address of my corporate checking and credit card to my XXXX location and continued to pay it. I had problems paying the corporate credit card, with no warning, they took the money out of my husband 's and my checking account as a Bank Card Debit. I called the corporate credit card phone center to complain they answered that it was normal for them to take the money out of my account because I was a warrantor on the corporate card, my husband is not. I proceeded to close my corporate checking account and continued to pay the business card when the pandemic hit, I asked for a forbearance plan, and it was granted until XX/XX/2020. At the beginning of XXXX, they sent an email to my husband 's account informing me to remember that the plan was to finish XX/XX/2020, and to make the payment on the card. 
I called the corporate card and asked the question, why did they not send me the email to my corporate account? They tell me they don't know how this happened, I feel they violated my privacy, and are getting away with it from the get-go.

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 2019-02-09
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX Bank card account ending in XXXX has no balance

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: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
Wells Fargo has been reporting late payments on XXXX and XX/XX/2018 on my XXXX  and XXXX  Credit Report. I have asked them to update this mistake for the past year and they have failed to provide proof of my late payments and refuse to update the account. It has been hurting my credit profile.

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 2020-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I contacted all three credit bureaus in regards to false and fraudulent information being reported on my credit reports. 

It is XX/XX/2020 and I have yet to receive a response or see updated information.

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 2020-05-14
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The call arrived on my mobile phone as " spam. '' Since I did not recognize the number and am working during the time they called, I allowed the call to go to voicemail. The same number called 3 times in a row, at XXXX XXXX, XXXX XXXX  and XXXX XXXX. Each of the 3 times, the same exact voicemail was also left.

Company response to consumer: Closed with explanation