BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
We applied for home equity loan through TD bank. Apparently, the processor left TD before we closed on loan and now new processor took over and is basically starting from beginning. We started this process in XXXX, and yet to close. The local TD branch where we initially applied is basically not doing anything to help us close. They only answer my emails or calls. I have been in touch with the loan agent every week, several times a week. I have been promised this now will be " rushed '' but we are now XX/XX/XXXX and still no closing date. I have done many hours of paper work for this and I am beyond frustrated. I am sorry I ever started this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX contacted XXXX, TRANSUION, And XXXX FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it XXXX failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX  XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights

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 2022-09-08
Company: Credit Karma, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Credit karma offering pre-approved credit cards and every time I fill out the form for a pre-approved credit card or loan I get denied which lowers my credit score an it says it doesn't lower my credit score but it leaves negative marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
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:
There is a collection on my account for XXXX that was opened XXXX 2016 and closed XXXX 2016 in my name. I called XXXX directly because I have never been a customer or client of XXXX my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me! Where I live currently is where I have lives since XXXX 2016! XXXX cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report! There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do! I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am XXXX XXXX XXXX and these kinds of things can hurt my clearance and currently hindering my credit from home buying. XXXX nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of XXXX! It is reporting as a collection! I have never received a call or anything in the mail about the account! I have attached my apt lease that shows the date I moved in! I provided my light bill with my current address for the dates that cover the time XXXX is saying I occupied another property. I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed. XXXX cable/wifi/internet service is not even available in my area. I use a company called XXXX XXXX. They own right to this location Please help me understand exactly how can they not properly investigate and get the CORRECT information from this company and allow the reporting of it falsely on my account. Thank you so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: APR or interest rate

Complaint:
I was issued XXXX Balance checks from US Bank Platinum for balance transfers for 18 months. I was late with a previous payment and I called and got it resolved with the company. I was assured that it was taken care of and my interest rate was still XXXX. She offered to transfer my additional balances with the XXXX interest rate for 18 months.. They sent the next bill charging interest saying my account was delinquent. I called the day the bill arrived on XX/XX/2015 and the woman said she would not remove the interest rate increase. I closed my account. This company lied to me and tricked me into transferring my balances to a high interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I respectfully request full investigation and based on the information I have provided I request the Enhanced Recovery Company, LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Enhanced Recovery Company, LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX contacted XXXX, XXXX, And EXPERIAN FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it XXXX failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights

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 2022-09-08
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: Credit inquiries on your report that you don't recognize

Complaint:
viewed credit report seen inquires i didn't apply for /these are fraudulent inquires sent letter no response XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have placed a complaint once before with no resolution. XXXX is reporting inaccurate information about me on their consumer reports. These inaccuracies are being used to generate the digital security questions that are used to identify a person when applying for federal/state benefits, replace a State ID, any banking done online, or anything that requires passing security questions online or by phone. I have contacted XXXX XXXX about this and they took my disputed items off of their report but never reset the digital security questions to reflect that. Also, the information is back on the report as of XXXX. Again, it is making it difficult to do anything online or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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: Account information incorrect

Complaint:
On XXXX, XXXX I missed the first payment of my mortgage with XXXX XXXX XXXX. The total months that have not been paid is 17. That reflects the time period XXXX, XXXX thru XXXX, XXXX I have requested from the bank in writing and in emails several times since XX/XX/XXXX to correct the information with the credit bureaus. The information has been consistently incorrect for more than a year. I have contacted the credit bureaus and they have been unable to correct the reporting due to the banks continuous refuting and admittance that my claims of the inaccuracy reporting is correct and thus that the bank has been reporting incorrect information. 

My Taxes are not escrowed into the mortgage payment. The payments for the property taxes are paid directly by me. The tax payments have been paid directly by me since XXXX. The municipalities were provided information regarding my limited income, financial hardship, and XXXX when I was first delinquent with a property tax payments and the municipalities and I were in discussion of a payback plan from me directly to them. I was also just approved for eligibility for significant reduction for my property taxes for the tax roll period XXXX. 

The Bank has refused to respond to my numerous attempts to speak with them. The Bank on the on-set of the first delinquent payment while knowing of my XXXX status never discussed or mentioned forbearance options. 

My mortgage is owned by XXXX XXXX. I asked the bank about forbearance options after I spoke to XXXX XXXX and the bank continued to ignore me. My XXXX attorney suggested that I ask the bank about forbearance options and thus I did once again in XX/XX/XXXX and the bank representatives did not respond and continued to ignore my request. 

I was offered a modification program that I appealed in XX/XX/XXXX due to the inaccuracy of the figures and the escrow of taxes and the incorrect amount of the taxes owed. The bank confirmed my receipt of the appeal, yet ignored the right I had to appeal the plan and immediately pursued foreclosure actions against me. The auction on my home was set for XX/XX/XXXX. That was postponed due to the COVID-19 Virus crisis. 

I will file bankruptcy in the event that is my only option to save my home and to avoid a foreclosure on my home. In the meantime, There are numerous violations that the bank intentionally did that I will be reporting to your agency and other lending and government agencies in separate and complaints aside from this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Accurate Background
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After receiving my consumer report, I took issue with some of the data on my motor vehicle report document. Firstly, my date of birth was incorrect. It also has me at fault for an accident I reported to the police that I did not cause. With all else on my consumer report being correct, it leads me to believe that the work on this specific document was careless or hasty. Which I believe misinformed my employer on my accident history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did not receive service as promised by the cell phone provider that ERC is collecting for. I turned in cell phones, and do not owe this balance. I was told my account was going to be cleared to a zero balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XXXX, XXXX I missed the first payment of my mortgage with XXXX XXXX XXXX. The total months that have not been paid is 17. That reflects the time period XXXX, XXXX thru XXXX, XXXX I have requested from the bank in writing and in emails several times since XX/XX/XXXX to correct the information with the credit bureaus. The information has been consistently incorrect for more than a year. I have contacted the credit bureaus and they have been unable to correct the reporting due to the banks continuous refuting and admittance that my claims of the inaccuracy reporting is correct and thus that the bank has been reporting incorrect information. 

My Taxes are not escrowed into the mortgage payment. The payments for the property taxes are paid directly by me. The tax payments have been paid directly by me since XXXX. The municipalities were provided information regarding my limited income, financial hardship, and XXXX when I was first delinquent with a property tax payments and the municipalities and I were in discussion of a payback plan from me directly to them. I was also just approved for eligibility for significant reduction for my property taxes for the tax roll period XXXX. 

The Bank has refused to respond to my numerous attempts to speak with them. The Bank on the on-set of the first delinquent payment while knowing of my XXXX status never discussed or mentioned forbearance options. 

My mortgage is owned by XXXX XXXX. I asked the bank about forbearance options after I spoke to XXXX XXXX and the bank continued to ignore me. My XXXX attorney suggested that I ask the bank about forbearance options and thus I did once again in XX/XX/XXXX and the bank representatives did not respond and continued to ignore my request. 

I was offered a modification program that I appealed in XX/XX/XXXX due to the inaccuracy of the figures and the escrow of taxes and the incorrect amount of the taxes owed. The bank confirmed my receipt of the appeal, yet ignored the right I had to appeal the plan and immediately pursued foreclosure actions against me. The auction on my home was set for XX/XX/XXXX. That was postponed due to the COVID-19 Virus crisis. 

I will file bankruptcy in the event that is my only option to save my home and to avoid a foreclosure on my home. In the meantime, There are numerous violations that the bank intentionally did that I will be reporting to your agency and other lending and government agencies in separate and complaints aside from this one.

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 2020-04-20
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX. In XX/XX/XXXX I used the app Remitly to make a money transfer transaction to from my checking account to my wifes checking account to her bank overseas. The funds were withdrawn the moment I made the transaction. Their record show the transaction was completed and the the funds were delivered to my wifes checking account, but she never received them. Attempted several times to tried to find what happens to the funds and opened an inquiry to trace the funds, but have not received a response from Remitly and now they are unreachable. Not by email, phone or email. The funds were withdrawn form my XXXX  XXXX XXXX checking account and were supposed to be sent to XXXX XXXX to her XXXX checking. {$220.00} or {$12000.00} XXXX pesos.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS IS FINAL NOTICE FROM ME! 

I want to complain about false statement of debt, reported by Enhanced Recovery Company , LLC ( ERC. ) I complained already with same issue and finally verified the debt ( reported by ERC ) that it is not mine. I received the XXXX bill from ERC on XX/XX/XXXX and I verified that the debt was not mine. The name on the bill was not my name, the address on the bill was not my address ( never lived there ) and NOTHING WAS MINE! But ERC reported the debt to my credit report for a long time and my credit has been messed up, this is absolutely not acceptable and must be corrected and compensated ASAP. I attached the bill from ERC here and other support documents for your reference. See the attached files. Again, my name is not XXXX XXXX and I never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX and I lived in XXXX XXXX in XX/XX/XXXX which showed billing period. 

Since the debt does not belong to me, I requested to ERC to get rid of it ASAP, but I have not heard/received anything from ERC. So, this is my final notice to ERC to get rid of the false debt from all XXXX credit bureaus right now and send me the confirmation letter by mail to the address ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) in XXXX business days from now. If I do n't here anything from you, I will absolutely bring a lawsuit right away.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Best Buy store card ( owned by Citibank ) received my payment of {$100.00} on XX/XX/XXXX. I got email confirm of payment, and the account showed a total balance left on the card of {$320.00}. The email confirm from Best Buy card was received by me on XX/XX/XXXX and showed the {$320.00} balance left on card. 

My account statement ( which appears to have been mailed XX/XX/XXXX ) arrived at my address XX/XX/XXXX and showed an account balance on the card of {$530.00}, which included interest charged on the account of {$200.00}. I can not believe the interest charge and I have called both Best Buy and Citibank, but can not get through either on the phone or on either website. This is outrageous! 

I was laid of three weeks ago due to CV-19 and do not have any income ( I am currently awaiting unemployment as my previous employer is supposed to call me back when this pandemic ends ). I still can not believe Best Buy and Citibank did this to me. I don't understand why this was done to me and can not get any answers. 

I am refusing to pay the outrageous interest, and don't understand how I can be charged 39 % interest on this card. My understanding is that interest, fees, and penalties are waived during this pandemic. 

Can you help me? I need to know how this happened to me. Thanks for any help you can offer.

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 2016-04-08
Company: Southern Management Systems Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a debit from Southern Management, I called and spoke to them stating I never gave permission to use my financial information to be used for this debit and to please stop calling my cell number. They are rude on the phone when trying to explain to them and they will not stop calling me. I have already disputed this on my credit report and it has been removed by XXXX. I have also filed a complaint with XXXX as well. These folks need to know that they just can not harass people in this manner. Thank you

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