BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The following letter was sent to Office of Comptrollers on XX/XX/XXXX, XXXX They referred me to your office. I attached at the bottom the promotion sent to me XXXX XXXX XXXX XXXX, Pa XXXX Comptroller of the Currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I read your mission on the web page, and your mission is the exact service that I need. 
On XXXX I took a postcard I received in the mail for a bank promotion through XXXX XXXX  to the XXXX, PA XXXX I showed the representative, XXXX XXXX, the postcard stating the incentive of {$200.00} for deposit of {$20000.00} in savings account for three months and {$300.00} for {$2500.00} direct deposit in 90 days, XXXX XXXX talked with the manager, XXXX, and said I qualified for the promotion. She put together the paperwork, and I signed the documents. The next day, I went over to the XXXX XXXX XXXX and veritfied with XXXX, the manager, the paperwork for the routing numbers for my unemployment checks. 
On XX/XX/XXXX, I stopped by the XXXX branch and asked a representative named XXXX if the branch posted my promotional money. She told me to go home and look at the promotion I had. She told me I never opened a checking account. I called the national branch and talked to a XXXX. Nobody returned a call. On XX/XX/XXXX, I called the national number and was somehow connected to XXXX from New Jersey. She said XXXX from Exceptions Department would call me back. No call I called the manager, XXXX XXXX, and he did call me back. He was professional In his handling of my frustration ; however, his support of his representative did not allow him to see my side of the situation. I told the representative what I wanted, showed her the promotional card, and provided the bank with my routing numbers and a check. It was very clear that I wanted to take advantage of the promotion. XXXX XXXX said it was not clear I wanted a checking account.he did not even work at the bank at that time. He refused to give me the {$300.00}. Also, I found it more than a coincidence that the {$200.00} for the savings account was posted on XX/XX/XXXX, the day I questioned the bank. 
I need an an agency that can supervise XXXX XXXX  to ensure that they are operating in a safe and sound manner, make sure the bank complies with the laws and regulations, and treat customers in a fair way. I am wondering if the employees are told to only open the savings account saving the bank {$300.00}, but getting my direct deposit money. Also the coincidence of the promotion money being posted XX/XX/XXXX. I have enclosed a copy of the promotional card. If there is anything else that I can provide you in your investigation of this bank, and in particular, this XXXX, PA branch Sincerely, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX on, XXXX, almost XXXX  and attempted XXXX multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. 

I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: KY
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:
After reviewing my credit report I have seen an accounts that I never applied nor any communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: LA
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:
sent letters off to XXXX XXXX, and eqifax on XX/XX/2022, and XX/XX/2022 and have not received a response. I also understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. its been over 60 days and still no response. 






1. Validate Account XXXX Account Number : Please remove this inaccurate information from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

6. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove this inaccurate information from my credit report. 

7. Validate Account XXXX XXXX XXXX  XXXX  Account Number : Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Heartland Resolution Group, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is OVER 7 ( SEVEN YEARS OLD ) therefore they can not collect on something that was back on XX/XX/2013 with the original creditor XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a zero. Contacted Transunion in regards to the zero credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.

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 2022-05-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My husband XXXX XXXX was defrauded by XXXX XXXX XXXX back in XXXX when they push a reverse mortgage without his knowledge. WE have been having many pr8blem especially now with XXXX XXXX XXXXwho are refusing to answer our certified return receive letter or answer our phone calls. In the letters I ( XXXX XXXX, wife and POA ) have been asking XXXX, to give us a stamens of how they spend the XXXX XXXX dollars ( {$50000.00} ) my husband received from XXXX XXXX back in XX/XX/XXXX. Out of that amount we paid Champion Mortgage ( XXXX XXXX XXXX XXXX, TX XXXX ) the total amout due ( {$23000.00} ) XXXX XXXX XXXX, for TAXES AND INSURANCE. After that amount was paid Champion Mortgage transfer the Service of the loan to XXXX. We have been asking XXXX to give us a brake down on how they spend te reminder of the money from XXXX to XXXX. XXXX was supposed to paid our taxes and insurance until the money run out. They claim there is no money left, and harras us to paid the taxes for XXXX and right now we don't even have homeowners insurance in the property, and they are refusing to let us know where the reminding of XXXX XXXX was spend on only XXXX ( XXXX ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: OneMain Finance Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: LA
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 items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus XXXX, Experian and XXXX. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX- {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2019 I contacted Experian about removing a freeze. I was told multiple times that the cost would be {$20.00} for XXXX XXXX with the info for my pin. They charged me {$32.00}, and sent me something I never asked, a credit report. I was a member and get reports for free, why would I order one when all I asked for was the info to unfreeze my account. I called, now they charged me another {$20.00} to XXXX XXXX my info again. They clearly stated they would investigate and depending on the investigation may refund my money

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 2021-06-10
Company: EQUIFAX, INC.
State: TX
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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: UMB FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
UMB Health Care Savings Account transfer or roll-over request XX/XX/2021, documents completed by our bank, XXXX XXXXXXXX XXXXXXXX acting as trustee, signed by us and sent to UMB Bank XXXX No action taken over six weeks. On XX/XX/XXXX we called their customer service. It was extremely difficult to understand the representatives who were also unable to assist us. They refused to transfer us to US based customer service nor any supervisor. Finally after hours on the phone a person agreed to assign a ticket number XXXX which resulted in no action as of today despite another phone called made yesterday, XX/XX/XXXX. I even tried contacting them through XXXX XXXX with the complaint and did get a response that a senior management person of customer service would be reaching out to me yesterday XXXX afternoon. That did not happen. As of this morning, XXXX XXXX still remains in the UMB HSA account with two monthy administration fees charged since our transfer request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Velocity Portfolio Group
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm not liable for the debt with XXXX XXXX XXXX I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account stolenand reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.

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 2022-10-17
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan service provider is EdFinancial, and I called them on XX/XX/22 to receive a refund for {$7800.00} from payments that I made during the pandemic. I asked them how long it would take for the refund to be processed, and they were not able to give me an answer. Other providers have been able to inform their callers about a 30 day wait, but EdFinancial has notoriously been telling their callers 150 days. When I called, they did not give me an answer at all. The representative said that theyve been advised to not give an estimate. This is unacceptable in comparison to other providers. I also asked for a confirmation code or receipt that my request was submitted, and she said that they could not give me one. Now I am completely in limbo and all I have to go off of is other peoples poor experiences, which was them being told 150 days. There is no reason why a refund should take so long, especially since the wait now prolongs my application for the new debt relief program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I checked my credit report and found out that decreased by XXXX points due a late payment report from XXXX  XXXX XXXX on XX/XX/XXXX XXXX i checked thXXXX XXXX XXXX XXXXXXXX XXXX payments and were on time, also I called XXXX XXXX XXXXXXXX and they verified that the information report from TransUnion is wrong and they created a dispute case also. 
Please help me get this corrected. I always pay on time

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 2023-10-15
Company: U.S. BANCORP
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A XXXX XXXX email was sent to me about my credit score changing. When I read the email, it also showed that a new credit card account had been opened in my name with US Bank on XX/XX/2023. I went to my credit reports and the card is listed as one of my accounts. I did not open this account and neither did my wife. The account is not listed on my wife 's credit reports so it was opened only in my name. The card has a {$10000.00} limit and a XXXX balance. My credit reports shows that payments were made in XXXX, XXXX and XXXX, XXXX. I contacted US Bank and made a complaint with the fraud department and they have put a stop on the card and are investigating. I was told that the card was sent to our address on XXXX XXXX in XXXX, IL, we have not lived at this address for 35 years. There was also a XXXX  account set up using my name but it is not a XXXX  account I have or have set up. US bank placed a fraud notification in my reports at each of the credit reporting agencies and also in my wife 's reports. I have also frozen my credit with each reporting agency.

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 2021-06-16
Company: Continental Finance Company, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/ 2021 at approx. XXXXXXXX XXXX this company called and harrassed my mother trying to locate me. No family members numbers where ever given. This company said they were XXXX XXXX  and repeatedly tried to get a phone number from relative. When I called the number they provided, they said they were " administration '', once they verified it was me calling, then they said they were a law firm trying to collect a debt that was {$790.00} when debt owed was just over {$500.00}. They have continued to call my number up until XXXX XXXX several times a day.

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 2023-10-15
Company: McCarthy, Burgess & Wolff, Inc.
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with XXXX in XXXX of XXXX. It was a " no contract '' monthly internet service that was " month to month ''. 

They tell you that you have to call in to cancel the service. I stopped into the store and called! 

On XXXX  - the business account for XXXX XXXX XXXX was canceled in the XXXX XXXX. It was communicated that no equipment needed to be returned and that there will be no continued bill. 

on XXXX - a phone call was made to the customer service department to inquire about a bill received for {$150.00}. It was discovered at that time that the billing did not discontinue and although no usage or activity was on the unit, the account wasn't closed and the amount was then due. 

AGAIN- the account was requested to be closed. It was guaranteed that if I paid that {$150.00} that there would be no continued service or charges. 

Based on recent communication, $ XXXX has continued to be charged by XXXX. The suggested amount owed is {$310.00}. Additional {$77.00} was charged from a collection company - totaling {$380.00} is due. 

This is not an active account and the request to cancel has been sent multiple times. 

This is not a valid charge and therefore will not be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The credit agencies are not willing to correct information that XXXX XXXX has put on my credit report. They put my account closed as of XX/XX/XXXX and it was in good standing and did not get closed until XX/XX/XXXX after I contracted COVID and was in the hospital. XXXX XXXX  will not remove the incorrect information nor will Tranunion. I am trying to purchase a home and these late payments are hurting me. The late payments should have not been posted due to being affected by pandemic.

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