BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received two bank statements from TD Bank in the mail today as well as a XXXX  debit card. All addressed to me with my first and last name. I have NEVER even heard of such company and i already have bank. I called a dozen times to their customer service fraud department and no one would give me information as to whether my social security number was compromised.. or how these accounts were opened without my consent. On the mail it says the accounts were opened XX/XX/2022 on a Sunday. I checked the mail today XX/XX/2022 and thats when i discovered the card and statements. I to 5 different people and all they could tell me was to drive to the nearest td bank .. which i refused because its hours away. They also refused to tell me where they were located .. and any details about the company nor could or did they verify any of my personal info ( like address, last 4 of social, anything like a real bank would ). Regardless, this is NOT okay and i want answers and i want proof the accounts are not only closed but i want severe reprimand for the fact that this is allowed to occur i should not have to worry about identify theft or fraud or my personal information being compromised. SHUT THIS COMPANY OR BANK OR WHATEVER THEY ARE DOWN i have found the class action against them, the complaints and thousands of fraudulent reports of them illegally opening up bank accounts .. this is outrageous!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a complaint which was decided in my favor. In that complaint, I requested that Wells Fargo Mortgage not require payment of deferred property tax. Wells Fargo has notified me that they will foreclose on my home if the taxes are not paid by XX/XX/2016. I called CFPB and requested a copy of previous complaint be email to me. Though the email was sent twice no complaint number was on it.

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 2017-01-15
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently paid off a mortgage loan at AmeriHome Mortgage Company , LLC, XXXX, NJ XXXX. Within a day or two after the loan was paid off, online access to our records was abruptly cut off. I am now unable to see my last payment how it was applied to my loan. I am also unable to see a transaction history of deposits and payouts to and from my escrow account. I have not received any explanation or itemization for a refund check that we received in the mail. This is a rude and abusive way to treat a borrower. I need this information to balance my records and compute my taxes. I do n't think it is fair to ask me to lick a stamp or pick up a phone to get access to obtain MY 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 explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by XXXX XXXX XXXX  ohio hafs program. XXXX knows I was approved for XXXX assistance through the XXXX XXXX XXXX XXXX  Ohio program. The money was sent to pay my mortgage in a timely manner but XXXX XXXX has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to XXXX. No one knows what's going on and they do nothing to help their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2022-09-13
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 XXXX XXXX paid me to move out of my apartment and keep my mouth shut about the discrimination/retaliation I had faced from them for the past 5 years. At the beginnin of XXXX I was notified I owed a debt to XXXX despite them payin me to move out, I contacted the debt collector and asked them to validate the debt and on a few weeks later I got a statement that said I nothing was owed for rent, late charges, legal fees, nsf, utility, lease termination, insufficient fee, legal fees, dispossession fee, warrant fee, eviction fee, cleanin charges, damages, key charge, expcept for other non tenant rent was what was claimed to be owed not really a validation or explainin where this debt came from especially when XXXX paid me to move and has yet to pay my deposit of {$500.00} back? I sent a letter back on XX/XX/2022 to National Credit Systems requestin a validation of this fraudulent debt that XXXX seems to have just made up, and no response has been given. It has been reported on my credit report even though their hasn't been any judgements or court orders against sayin I owe XXXX a dime! 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX XXXX posted a collection on my credit report that they purchased from another collection agency ( ENHANCED RECOVERY CO L ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company. I called XXXX directly to tell them that a drug addict individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted couple of years ago when I will living at the old house. There is no way to track him down or known his where about. I didn't know about until last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have a Credit Freeze with Equifax XXXX XXXX XXXX XXXX, XXXX GA XXXX. I applied and paid at the Equifax website for a temporary lift on XXXX/XXXX/2016 that I could submit to a bank to process a credit card application. Equifax would provide the required information in a PDF file but the Equifax website crashed with a software error ( something to the effect that it could not start XXXX reader or similar ) and did not produce the PDF file with the information. 
Equifax does not provide a customer phone number ; Equifax does not provide an email address ; so there is no way to communicate with Equifax to either have a refund and try the request again, or for Equifax to allow to try the request again, or for Equifax to simply email the PDF file. 
The Equifax website will provide a customer phone number only if you have an account with Equifax but to have an account with Equifax you must have purchase a product or a service from Equifax. The fact is that I do have purchased and paid for XXXX product/services with Equifax : I purchased and paid for a Freeze product, and I purchase and paid for a Unfreeze product but Equifax never provided an account number for those product/services. 
Equifax only provides a XXXX XXXX XXXX number for resolving this issue. This is not acceptable because the bank credit card application for which I need the unfreeze report has a time limit and postal service resolution is not a viable alternative. 
This is a deceptive and shady business practice by Equifax. Clearly the intent is to discourage the use of credit report freezes. Equifax should provide a way to resolve these issues in real time either by providing a phone or an email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as XXXX inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Could you please check thee listed accounts below for accuracy and right reporting. I believe the acppunts below are inaccurate and its causing my credit score to be low and its taking an toll on my life. If/once you discover the mistake could you remove the accounts please. By law all inaccurate accounts has to be removed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # # XXXX XXXX # # XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SC 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 2022-05-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX of 2015 I discovered that I had been and continue to be a victim of identity theft. I then reached out to each reporting agency ; TransunionXXXX to get a copy of my most recent/updated credit report so as to find and then dispute any information that would be deemed either inaccurate or of a fraudulent nature. I have called and spoke with over XXXX represenatives ' within Transunion 's Fraud department through the past months including XXXX supervisors in disputing multiple accounts on my report. Through out this process, I have also tried to dispute over XXXX fraudulent inquiries to which Transunion adamantly refuses to dispute with these companies on my behalf. They claim that Transunion views an " Inquiry '' as statement of fact and therefore refuses under any and all circumstances to remove said inquiries. I have had multiple fraud alerts and even an extended fraud alert currently on this report in addition to it being " Frozen '' for the past couple of months. There is no question and even Transunion has deemed this " indisputable evidence '' of identity theft yet they still refuse to help. Also, I currently have ( XXXX ) medical collections to which I have disputed numerous times and even now Transunion will not allow me to further attempt any more disputed with these companies under any parameters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
BANK OF AMERICA ACCEPTED MONEY FROM *THE ARKANSAS RENT RELIEF PROGRAM* WITH " TWO PARTY CHECK*..WITH ONLY 1SIGNATURE. IT WAS *MANDATED* ON XXXX 2022. THAT ALL PAYMENTS MUST REQUIRE ( XXXX SIGNATURES ) ..THIS WAS NOT DONE ON *ANY PAYMENTSXXXX TOTALLING OVER XXXX WORTH A CURRENCY..THAT WAS *, NOT* SUPPOSED..TO BE DEPOSITED WITHOUT MY *SIGNATURE* ; AND I KNOW SEVERAL OTHER CLIENT THAT *XXXX XXXX XXXXXXXX ( No longer in service ) ..AFTER THE FRAUD ... .YOU HAVE DEFRAUDED THIS SYSTEM AND MY DISCRIMINATION *REPORT* THAT WAS *, ALREADY FILEDXXXX ... PROVES..BOTH ACTION ARE *TRUE*. AND FOR THIS COMPLAINT TO BE RESOLVED WITHOUT BEING PUBLICLY *DISPLAYED*... SHOWING THE RACIST.ACTS TOWARDS ME ... .NOT ALLOWING ME TO OPEN MY *BUSINESS ACCOUNT* ... ..AND MULTIPLE OTHER OFFENCES. FOR THIS DEMONIC ACTION ... XXXX IN JESUS NAME AMEN! 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 2022-09-13
Company: EQUIFAX, INC.
State: AL
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2016-05-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is now the third dispute, with Equifax surrounding an invalid and then inacurate Activity Designator value on my credit report. 

This account is closed, evidenced by the text in the comment, and the the Closed Date. 

The N/A Actvity Designator - shows NA. 
It should be CLOSED. 

I have attached a screen shot - of the XXXX account, and then also a XXXX screen shot with the BR account, and another account just like this XXXX - with the correct code. 

Please correct this code - verify its communicated status from XXXX - is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I recieved a notification of some inquires that i did not recognize or authorize that appeared on the credit bureau 's. I've tried to have them removed but but have gotten no where. On XXXX, in XX/XX/2022 and 2 companies called Ally Financial XXXX XXXX XXXX  XXXX XXXX both submitted an inquiry that i did not authorize and am trying to get it removed asap because it's affecting my credit scores. 
Also I believe same company pulled an inquiry on my XXXX, XXXX XXXX XXXX XXXX for XXXX on XXXX, XXXX, 2022. 
Also on same date on XXXX, these same companies and some additional ones pulled inquires, XXXX XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, & XXXX XXXX all pulled on XX/XX/2022. 
I personally did Not autherize any of these inquires, please help. I've done all that i can do, thanks in advance for your 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 explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MI
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:
on. for 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXX  Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX Account # : XXXX XX/XX/XXXX late payment was reported XXXX FCU Account # XXXX XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 any reasons.

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 2021-11-26
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Called XXXX XXXX XXXX to pay off payday loan and the debt was sold off multiple times and ended up in the lap of people calling themselves assurance made payment plan with them and would not give me itemized documents for payment plan or proof of payment plan turns out they are using the name universal at phone number XXXX they did charge me the amount listed and agreed on but I need documents or how else am I going to prove Im making payments. They were calling my family multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Regarding the XXXX XXXX accounts below, these were originally sent to my credit reports incorrectly. Last year after working with them for several months, we finally got the bills straightened out. Attached are letters showing our settlement and then their letters confirming they received payoff and would be removing the accounts from my credit reports. 
Last month, I noticed they were re-assigned new account numbers and resubmitted to the credit bureaus. I believe this is illegal. I believe it 's also illegal to put these back on my credit reports without notifying me in writing at least XXXX days in advance - which they did not do. I 've tried unsuccessfully to work with XXXX but they evidently have their records in a complete mess. 
Please have them re-remove these from my credit reports so that I do n't have to take this to court. 
I 'm also going to try attaching a copy of my XXXX 2015 credit report to prove I had clean credit before XXXX did this.

Company response to consumer: Closed with explanation