BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: TOLL BROTHERS INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased brand new home from builder on XXXX last year in AZ and apply the loan at same time from builder Mortgage department and loan the approved with my high credit score quickly.the close date in XX/XX/XXXX this year, because I was in XXXX since XX/XX/XXXX, on XX/XX/XXXX I signed standard rate lock agreement .since the close the close date I couldn't by ticket back USA because virus no air tickets.so I asked to delay the close date on XX/XX/XXXX, the builder agreed it and I asked the loan department they said the lock date is expire on XX/XX/XXXX, the loan officer requested me to provide all documents to apply the loan once again, I was in XXXX I couldn't provide those documents also it is not enough time by close date on XX/XX/XXXX, I asked builder I can't take back deposit if I could't close on time.so I only borrow the money for all cash pay for my new house in AZ. I was just wondering they are same company, they haven't connected with close date and nobody informed me the first close date on XX/XX/XXXX is extension and loan still didn't ; t released, if loan officer can informed earlier, ,I still can get the loan, the builder and loan officer all knew I was in XXXX XXXX I have a big lost in this new house .and I still pay the rate lock fee over {$3000.00} by close escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I transferred {$22000.00} to an account at TD Bank from my account ( XXXX ). I had spoken with my bank to ensure the account was valid and I believed I was purchasing a motorhome. It was a 24 hour transfer so the money would have been received on XX/XX/XXXX. Later that night, early morning around XXXX XXXX I woke up and intuition told me I was being scammed. I called my bank first thing in the morning ( before banks were even open ) and spoke with my bank asking them to cancel. It had already been transferred but they said they would contact TD Bank. 

Throughout the day I spoke with my bank and once with TD Bank and they assured me that they had people who worked these specific scams. By this time I had already reported it to the local Sheriff 's office and filed a report with Detective XXXX in XXXX County, Texas. He did a little research and believed it was a scam. I also attempted to call the XXXX XXXX XXXX XXXX XXXX on Wednesday and was put on hold for 30 minutes and then the call was dropped. This was another indication to me that it was a scam. 

On Friday, XX/XX/XXXX is when the motorhome was to be delivered. It never was and so I knew for sure it was a scam. I filed a report with the FBI and never heard back. I also filed a report with XXXX, which is where the item was for sale and I filed a report with the Attorney General of Texas, in an attempt to recoup the monies through the Crime Victim 's Fund and was denied, stating this was a property crime so it did not qualify. 

FYI : In the last portion of this report, you request for my account #. I do n't have an account with TD Bank, the person committing the fraud does so that is the account # I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Bread Financial Holdings, Inc.
State: CO
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 had already submitted a complaint on this company and you were able to have them take back the account or however they decided to deal with it and I have been making payments. This is after speaking to a Supervisor and she saw that what had transpired was incorrect prior to my reporting to you. So she decided that I should just call in with the payment ( she did not give me a specific amt because of what had happened, I was just going to pay until it was done ) I made 3 payments before and called in with my fourth today. 
However, today XX/XX/18 I called XXXX XXXX XXXX, the number I was told to call and make the payments ( I have already made payments with them ) the person answering the phone operator XXXX XXXX XXXX, told me that I could not. 
She kept on looking at the old information and telling me its with an outside collector ( I AGAIN, if it is was not advised, the same reason I had to complain before ). She claimed to have gone and checked and came back saying that I have to make the entire payment TODAY, in order for her to take the payment.. 

SHE DID NOT TAKE THE PAYMENT SO NOW i HAVE NOT PAID AND i DO NOT KNOW THE STATUS OF THE ACCOUNT BECAUSE OF THE AMBIGUITY WITH THE EMPLOYEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Synovus Bank
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home XX/XX/2020 and moved in about 30 days later. After several weeks I started taking notice of a lot of big problems that were not disclosed. The bank and the appraiser committed fraud. I have leaking cast iron pipes which are leaking gross water into the partial basement, they are XXXX XXXX XXXX and the plumber said they were stopped up with rotting pipes. There is always water in the basement, Green, white, and black mold and mold inside the house and on the hardwoods. There is structural damage on the outside of the house, someone had replaced the windows in the basement with plexiglass and placed a strip of wood to hold it in. ( I discovered this after I was robbed ), termite damage rampant, roof leaks which have turned to ceiling damage. I was told this had been repaired but no. I do have pictures to enclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: OH
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:
I contacted Equifax via mail on XX/XX/2021 asking them to remove 7 hard inquiries from my credit report. I received a response to my dispute on XX/XX/2021 claiming that the disputed inquiries were factual record of file. I again reached out to Equifax on XX/XX/2021 asking the company to do an actual investigation because I was not confident that they did an actual investigation in the 1st place. With the original complaint from beginning to end was around 7 days ( sent XX/XX/XXXX, response received XX/XX/XXXX via mail for both ), which isnt enough time to actually reach out to reporting companies and get a response. I asked the company for proof of their investigation along with proof of authorization and they sent me the same letter that they sent in the beginning without any of they information requested showing proof of investigation. I am enclosing a copy of both letters along with Equifax response to both. Please contact me if you need further information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: TN
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:
MORE THAN 45 TO 60 DAYS AGO I REACHED OUT TO THE XXXX CREDIT COMPANYS ABOUT ACCOUNTS LIST ON MY CREDIT REPORT THAT I NEVER SIGN OR USED THEY HAVE YET TO REMOVE THESE ACCOUNTS OR GIVE ME ANY INFORMATION ABOUT THEM TO THIS DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: MD
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 have repeatedly told equifax & XXXX  that I do not nor have I ever lived at the address that they continue to report as mine. 
Ive gone a step further by certified mailing them an information update form AND a FULL COPY of my lease. 
They continually report me as living in Utah and it has caused major impacts in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: National Credit Adjusters, LLC
State: CA
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:
NATIONAL CREDIT ADJUSTERS , L.L.C has placed a debt on my credit report that is not mine. I have disputed this account given I have never done business with them or their affiliates. I have had this account removed from my credit report and it has since been sold and replaced on my credit report as an active debt that was generated in XXXX. This account was originally from a company called " XXXX '' of which I have not done business with. I was notified by XXXX  that this account was sold in XXXX and listed as a collection account that was brand new. This has caused a XXXX  point drop in my FICO score. I have explained to XXXX in the past that in XXXX my wallet which contained my social security card was stolen and items started showing up on my credit there after. All of which have been removed but every so often the account gets sold to some new debt buyer and they change the dates and replace it as a new account that I authorized. I have never done business with 'XXXX  ' or NATIONAL CREDIT ADJUSTERS , L.L.C. This account is FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I enrolled in paperless statement, however, I never receive email regarding my statement and amount due. 

I got a paper statement XXXX XXXX and saw that 2 late charge of {$32.00} and also {$27.00} on my {$34.00} purchase. The site did not allow me to do any automatic payment and I do n't think this is fair to me collecting late fee much over than my purchase and without sending me any statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
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:
I have a car loan with XXXX XXXX since XX/XX/XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XX/XX/XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a Reaffirmation Agreement. I negotiated with their Lawyer 's  and received a lower interest rate and lower monthly payment. The Bankruptcy was Discharged XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XX/XX/XXXX time  frame with the last dispute in XX/XX/XXXX. Since this car loan has been paid, on time, since XX/XX/XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a XXXX  representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with Equifax and XXXX and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I've asked the credit bureaus to update my name, address and it's been over 45 days and they still have not completed this for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this new collection on my credit. I called to find about what it was about spoke with XXXX & he told me this was a online payday loan. I have never received anything regarding this fraudulent account. I advised the collector this isn't my account I had also been a victim of fraud & I need this removed from my credit immediately. I have never received any calls or mail. No validation with my signature as required by the FDCPA. This is not my account I need this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions Inc.
State: IL
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:
I have spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently investigated.

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 2018-10-12
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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2021-04-30
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE CHECKED MY CREDIT REPORT AND DISCOVERED A FRAUDULENT ACCOUNT THAT WAS OPENED UNDER MY NAME : COLLECTION CONSULTANTS OF CA - ACCOUNT NO : XXXX. I AM A VICTIM OF IDENTITY THEFT. SOMEBODY STOLE MY PERSONAL INFORMATION AND GOT AN MEDICAL HELP WITHOUT MY KNOWLEDGE. I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL IDENTIFICATION INFORMATION FOR ANY REASON. I AM A VICTIM OF FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account on XX/XX/2019 with Ally Bank. That day I deposited a {$10000.00} check using the app. On XX/XX/2019 I received an email that the funds would be available soon. {$200.00} the next business day and {$9800.00} in two business days. On Wednesday XX/XX/XXXX my account was blocked so I called the bank. I spoke with 4 representatives and nobody said they can help me. The last person said there is a hold on the check and I need to call loss prevention the next day. I called loss prevention on Thursday XX/XX/XXXX, They rudely said I was told about the check and they can't help me. 
Today is FridayXX/XX/2019 My account is still blocked. The paying bank of the check said it was cleared on Monday XX/XX/XXXX. Please help me access my funds. 
case # 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 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called TransUnion during these dates, And they completely ignored me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also mailed them letters on the following dates and with the reference number XX/XX/XXXX - TransUnion Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - TransUnion Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Certified Tracking Number : 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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been trying to get some incorrect information investigated on my credit file and none of the bureaus have responded. I have tried twice already and I still haven't received anything??? The first letter to each company was send on XX/XX/XXXX of this year then XX/XX/XXXX How is this right? I gave them all the documents they website indicated would be needed to investigate things so they can't use that as an excuse.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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/2019 I HAVE PREVIOUS SENT IN DISPUTES TO TRANSUNION, XXXX AND XXXX AND the scope of the dispute outlined on a XXXX WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX BANK Account # XXXX PO BOX XXXX XXXX XXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED

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: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
They gave me paperwork to fill out and send back for a temporary forbearance. Which I did. Didn't hear or recieve anything from them for a few months. Then recieve a notice from IRS two months ago ( XX/XX/2018 ) saying they put a offset on my tax return, for failing to make payments. My accountant and the IRS told me to call and work out a earnings based payment plan. I have called Navient seven times since. Today included. Navient staff tells me, that my loan is in default and not assigned to collection agency, so nothing they can do. To call back next week. I am holding off filing my taxes. Lest, my husband have his return taken by these crooks. I obtained this loan prior to our marriage, but my state recognizes it as community property/debt.

Company response to consumer: Closed with explanation