BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For Years, Ive had an escrow account with T D Bank to pay my real estate taxes and homeowners insurance in XX/XX/XXXX. 
I was notified in XX/XX/XXXX by T D Bank that I had no Insurance ( not true ) and they will provide their insurance at an additional {$2000.00}. 
I called my broker and he said my policy was going to lapse if it was not paid ion 7 days. It turns out, T D bank never released the funds. I thought I had it straightened out so I paid my broker with a credit card and he will reimburse me when the payment in full comes form T D Bank. 
It never came and then I received a notice of cancellation for non payment. 
T D bank appoligized and turns out they only made a partial payment that was due at the moment. I got another notice of cancelation and I paid the balance in full. 
Along the way of trying to resolve this I signed a form for T D Bank to stop taking money from my checking account to the escrow account andI will pay my insurance next year on may own and to refund me the difference that they never paid this year. 
They continue to keep my money and they are still deducting money from my checking account for my next years insurance premium. Once again, XX/XX/XXXX, ( see letter from XXXX XXXX ) I tried to get this straightened out and Im told, I will receive a full refund of non paid premiums and any deduction for payment for XX/XX/XXXX within 3 business days. 
No Refund and another deduction in my account for XX/XX/XXXX towards the XX/XX/XXXX Policy They are stealing my money, lying about refunding it to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: FL
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:
Hello My complaint is against Experian reporting agency. My credit report has not been updated in 2 years making it impossible for me to verify if the information is correct. I had a previous problem with them reporting a closed account as an open account which made my utilization XXXX XXXX I spoke with fraud .. investigation and even customer service and everyone sent me to the next person. I then threatened to file a complaint hoping that would show I am serious .... 

Well, the next thing I know XX/XX/2020, was the last time my credit report was updated. They told me at first that it would take 3 months then 6 months. well due to so many life changes of covid I got frustrated and stop checking. I am now trying to purchase a house and have no way of knowing where I stand. It is impossible for not one update in 2years. I have been denied credit and a rent to own home program due to my credit not showing any information. Also my XXXX  account was closed with a balance of {$8000.00} owed leaving only an open XXXX XXXXXXXX for {$300.00}. well my available shows {$300.00} and my balance owed shows {$8300.00} causing my utilization to go to 990 %. I can attach documents privately,

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 2019-10-12
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/XXXX I disputed inquiries on my credit report with XXXX  to remove the unauthorized : JPMCB CARD also known as Chase Bank Then on XX/XX/XXXX I submitted a second dispute to remove the same inquiry. As of XX/XX/XXXX I received a response indicating after XXXX investigation they found the account to be accurate. 

However, the chase account found to be accurate was my chase mortgage account i had since XXXX NOT the unauthorized inquiry from chase on XXXX for a chase credit card. 

I specifically ask XXXX to investigate the JPMCB CARD. 
As a result of the completely wrong investigation XXXX  has removed 28 points from my credit score because of there error.

JPMCB HL is for Home Loan JPMCB CARD is credit CARD Therefore my credit profile has been impacted significantly with the inquiry remaining on my report. 

This left me compelled to write this complaint requesting my score to be adjusted and explain why your results of the wrong item on my report lowered my credit score? 

I am also still waiting for the removal of : JPMCB CARD INQUIRY TO BE REMOVED. 


Also there has been a Fraud alert placed on my report to show that there have been some unusual activity with all credit bureaus so why didnt Experian look in to the unauthorized inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Verisk Analytics Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX is sharing and reporting my information. As of XX/XX/2019 against my will. I have tried to reach out to the company but have not been able to opt out of the service. This company is confirming bankruptcies incorrectly with XXXX when case law doesnt allow these types of reports to be verified by 3rd parties. To my understanding, they must be verified by the original source. This company is not doing that and theres no way to opt out of the service. Many of their websites phone numbers do not work. So theres no way to contact them. Also they have emails on the website that are listed as a contact but are not valid emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i went on XXXX XXXX and found an open account for americollect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: U.S. BANCORP
State: MT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been receiving harassing phone calls from XXXX XXXX XXXX XXXX in connection with US Bank. I have been unable to pay for the last three months and unable to bring my account to a place where I am able to get a two month deferment. I have explained to the company ( most of the calls are coming from US Bank ) several times that I am unable to pay currently because I am studying for my XXXX exam at the end of XXXX. I have requested them to cease calling until that date but still receive several calls per day and upwards of 10 calls per week. They have also been calling my mother without authorization, and have they been explicitly told to not call her from myself and my mom. Additionally they have removed some of the little money I have to live off of from my account with US Bank without authorization in the amount of approximately {$100.00}. I understand that a debt is owed, but have explained the situation that I will be unable to pay until late XXXX. I understand this type of repetitious calls to be a violation of the Fair Debt Collections Practices Act and would like resolution solely in the form of cessation of calls from the companies.

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 2019-10-12
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made a payment to Ditech XXXX, 2019. 

When XX/XX/XXXX's payment was due, I couldn't make it online because it said I owed XXXX. I called and spoke to a Ditech representative who stated that they were doing computer upgrades and it will reflect soon. 

Same with XXXX. Same with XXXX I called in XXXX after emailing them NUMEROUS times and was told they had NO record of my XXXX payment. I immediately faxed the confirmation they EMAILED to me in XXXX and and a copy of my bank statement showing the payment coming out. 

I received notice in XXXX that they received my letter that I sent to them and it would take 30 days to complete the review. In XXXX I received another letter that it would take another 30 days. TODAY I received ANOTHER letter that it would take ANOTHER 30 days AND letter that foreclosure proceedings were started. 

It should NOT take 90 days to SEE that I made the payment and their system is XXXX  up! 

I am attaching to you the confirmation from DITECH that my payment was made AND showing it coming out of my bank account. 

THIS NEEDS TO BE THIS NEEDS TO BE CLEARED UP IMMEDIATELY!! I have NEVER MISSED a payment with Ditech since they had my loan with them!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: Main Street Holdings, Inc.
State: SC
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 did not recognize the hard inquiry on my credit report from Rock Hill Financial on XX/XX/XXXX, so I wrote them a letter on XX/XX/XXXX advising them to investigate this item and remove it from my credit if they are not able to validate it. However, I also asked them that if they were able to validate it, then to please provide written proof and a description of how the investigation was conducted. 

On XX/XX/XXXX I received a call from XXXX at XXXX telling me that I gave them authorization to pull my credit on XX/XX/XXXX over the phone when I applied for a loan. I asked her to please send me proof of that and she told me that she did nothing wrong and hung up the phone. 

I did not authorize this company to pull my credit report at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( CLOSED ), 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX ( CLOSED ), 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-10-01
Company: EQUIFAX, INC.
State: NY
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:
Someone open or apply for a credit card from XXXX XXXX for {XXXX and it wasnt me that open the credit card so I bet someone is using my name and SSN I want them to close that account and investigated whos the account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX breach put over 140+ Americans at risk. Now, Transunion is not even allowing us to freeze our credit. This is absolutely unethical.

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 2022-04-26
Company: The Bureaus, 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: Old information reappears or never goes away

Complaint:
Business : The Bureaus Inc Issue : Double reporting! Reporting an old account as a new account in which they are trying to make the old collection account seem new and making an attempt to damage credit score even more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX - XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX  XXXX - {$2700.00} XXXX XXXX XXXX XXXX  # XXXX - {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo policy to pre-date updates to mortgage process so they can list as borrow delinquent delay when posted. 
Wells Fargo policy to allow underwriters to issue updates to mortgage terms in the names of the originators without notifying the originators or the borrower. 
Wells Fargo policy to request new borrower information every few days to delay loan processing. 
Wells Fargo policy to use data provided with the original loan application to justify a " bait-and-switch '' loan on the day of closing. New loan terms doubled the down payment and increased the percentage over 2 % on the day of closing. 
XX/XX/2019 increased loan down payment by {$2200.00} because " loan to value '' changed. The only change was a concession from the seller of an additional {$2500.00} as a result of a home inspection. The reason was not conveyed to the borrower until XX/XX/XXXX, and then only because of numerous emails and calls from the borrower. 
XX/XX/2019 ( day of closing ) increased down payment by 100 % and added over 2 % to the interest rate. This information was only provided because of numerous telephone calls from the borrow requesting information on why Wells Fargo had NEVER contacted the closing agent. 
Wells Fargo policy to lie to borrower and to withhold communications. 
Wells Fargo policy to use internal investigations to establish new lies to try and justify previous lies and non-communication.

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 2019-10-12
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. I have reached out to Transunion to see if they would clear the inquiries on my credit report due to the fact that my identity was stolen. They were not able to help. Below are the credit inquiries with the dates listed that were placed using my information without permission. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - 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 2022-04-26
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank Of America made me open a new account based on fraud and I opened up the new one the old one was not functional for a good 3-6 months than all of a sudden it was operating again and I was getting charged XXXX XXXX  monthly fee and it was only being used for the rolled over change I asked them to switch that feature to the new account I was forced to create and they refused to refund me for all the monthly fees. i told them that they are the ones who made me open a new one and that I requested for the feature to be transferred to the new account. Also they were charging me overdraft fees because they also forgot to transfer that feature very conveniently of them to not transfer these features. i think they did this to deceitfully charge these fees to their customers I believe this would be UDAAP violation and they still refuse to correct. Please help!

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 2022-02-02
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: Information belongs to someone else

Complaint:
I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I dont know how to delete it from my name

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