BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding the unjust investigation of three fraudulent transactions that occurred on XX/XX/2023. Despite providing concrete evidence, I have been informed that my case has been closed, and I have not been properly assisted in resolving the issue. 

To begin with, I want to emphasize that I only have a XXXX XXXX account since XX/XX/2023, and the two fraudulent transactions of {$110.00} and {$30.00} were both made from XXXX. I have no affiliation with XXXX-XXXX, and these transactions are undoubtedly fraudulent. Furthermore, a third transaction of {$4.00} was made at a place called " XXXX XXXX XXXX. '' As a XXXX, I do not consume candy, and I have no knowledge of such an establishment. 

I have taken all necessary steps to address this matter promptly. On XX/XX/2023, I filed a police report at the XXXX precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. A detective is currently handling my criminal case, further validating the seriousness of the situation. 

However, when I spoke with a female supervisor from TD Bank 's US headquarters on XX/XX/2023, I was shocked to learn that the investigation had been closed without a satisfactory resolution. The supervisor 's explanation that the transactions were not fraudulent because the thief would not stop at three transactions in a day and that I must know the perpetrator was both baseless and unfair. It is essential to note that TD Bank had already closed my account and reissued me a new card, making it implausible for additional transactions to occur with the canceled card. 

I firmly believe that TD Bank 's handling of this situation is in violation of the Electronic Fund Transfer Act ( EFTA ) and has severely infringed upon my customer rights. 

Therefore, I kindly request the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that TD Bank rectifies their significant errors promptly. I demand that the amount of {$110.00}, {$30.00}, and {$4.00}, which were fraudulently taken from my account, be permanently credited back to my account without any further delays. Additionally, I expect to be treated with the respect and dignity that every customer deserves. 

Attached to this complaint letter, please find my new TD Bank debit card information for your reference : Name : XXXX XXXX XXXX number : XXXX Thank you for your prompt attention to this urgent matter. I am hopeful that with the assistance of CFPB, this issue will be resolved satisfactorily. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ; XXXX XXXXXXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$2700.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$2700.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX  XX/XX/2023.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit Reporting Companies, XXXX XXXX XXXX is inaccurately reporting that this account has late payments. I noticed on a previous statement that they have a person named XXXX also with the same account number listed on my same statement. This is the source of the problem. My name is XXXX XXXX XXXX XXXX and I have never missed a payment and paid that account off a long time ago. They even have the wrong name on the statement. Its very strange what they have done.They have my account confused with as much as two different people! I spoke with the manager there and they have agreed multiple times to delete this account or update it to never late as it should be. However now they keep avoiding me and telling me the manager is out and that he will call me. They never all and are clearly dishonest and shady people who know they are not complaint and are choosing the not acknowledge the error and keep reporting to the credit reporting companies that the status they report is accurate. See the attached document it proves there is great confusion within their system and that it should not be trusted. You all are required to comply with FCRA and FDCPA and delete this account immediately since its clear there is obvious identity theft and unfair reporting practices by this data furnisher or creditor. This account is causing severe impact to my financial, and work life. My health and family life is greatly impacted. It is very inhumane to and down right wicked to be so callus and apathetic about this issue. I should not have to ask again. Please delete this account and keep it off my report.It is a lie to report this as verified! This is preventing me from getting lifesaving medical treatment! I am going to make this public. I could potentially die because this company won't comply with FCRA and FDCPA laws and delete this account!

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 2023-07-23
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had set up direct deposit with XXXX for my XXXX check. However they didn't do it and my account ended up being negative and I never received any of my checks. I was unable to do anything because I was XXXX They closed my account that I had for XXXX years. I was then put on early warning and haven't been able to get an account anywhere for the past XXXX years. This all happened in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$74.00} XXXX XXXX  Balance : {$360.00} XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00}

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 2023-12-26
Company: SYNCHRONY FINANCIAL
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a new CD on-line on XX/XX/XXXX for a 14 month CD advertised with rate of 5.65 % with Synchrony Bank XXXX I was informed that I could fund this account within 30 days. On XX/XX/XXXX, after the funds were transferred ( via XXXX to my Synchrony High Yield Savings account from an external account ) and made available only on XX/XX/XXXX, I funded the account. The online account showed 5.65 % for 14 months when I funded it. However, when it was fully opened moments later, the rate had changed to 5.25 %! 

I immediately contacted Synchrony Customer Service and spoke with a live XXXX named XXXX who tried to help me but the connection was lost. I called again and this time spoke with XXXX who said they can not honor the 5.65 % rate advertised and had to keep the current rate offered at 5.25 %. I asked if they could resolve this by offering a similar rate with similar term but best rate available was 5.50 % at 15 months. I said ok but then was informed they would have to close the new account and charge my 7 days interest on the principal which is about {$230.00}! I asked her to elevate my request to a XXXX. She transferred me to XXXX, a XXXX who could not give me her last name. 

As a consumer, I was misled by the promotional rate offered. The original reason why I moved my LIFE SAVINGS to Synchrony in the first place was because of the rate Synchrony Bank was offering. When I spoke to XXXX, the XXXX, she told me that their terms and conditions said the consumer does not have any rights to make a change within minutes after an account is funded without incurring a penalty. So essentially, I would be charged a penalty against my savings principal for a false advertisement enticing me to move my life savings to an account that was later lower rate? I don't feel the average consumer should be mis-led to rates that change on a dime especially if the online portal still shows the advertised rate of 5.65 % when they are funding the account online. Now they are going to charge me to close the account and open a new one. I am now losing money instead of earning interest on my money. This is very egregious to the consumer.

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 2023-10-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXXXXXX 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 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX 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

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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 I have 7 inquiries for one auto loan purchase. These should be counted as one inquiry.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXXXXXX XXXX XXXX  XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-05-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
my name and address wrong

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 2023-08-09
Company: EQUIFAX, INC.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting 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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting.I have evidence to prove my case the days of last payments arent correct as of Transunion and XXXX. The high credit is different as well as the last reported date and the date the account was open is inccurate!!!

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 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting 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:
This is a recent credit inquiry that was popped up on my report for XXXX. 

This is not my inquiry and I never applied for any loans or lines of credit with this bank.

Company response to consumer: Closed with explanation