BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I first reached out to TD Bank through the CFPB on XX/XX/XXXX. At that time there were issues preventing me from accessing my accounts. Those issues were resolved. I was granted additional time by your Promotions Department to meet the requirements for the promotions that you are running on your Checking and Savings accounts. I was granted additional time to have funds transferred into my Savings account - XXXX. 

I have met all of the requirements of the Savings account promotion. All qualifications were met by me on XX/XX/XXXX as that is 120 days that I had kept {$20000.00} or more in my account. I am due a {$200.00} bonus in my Savings account for meeting these requirements. The {$200.00} did not post to my account as expected. 

On XX/XX/XXXX I reached out to TD Bank 's customer service through secure message on their web site to inform them that I have not yet received the {$200.00} bonus. I received a response with the following : " Thank you for contacting us about the promotion. 

This account has been added to our expectations list already. It will be paid during our next fulfillment cycle, within the next 3-4 weeks. 

We sincerely apologize for any inconvenience. '' I had wanted to downgrade my accounts to a lower-tier, as with the pandemic and health concerns right now and other challenges, I would like to withdraw my funds from the account without it affecting the promotion and without being charged monthly fees. I wish to downgrade the accounts to the lower tiers. However, I have patiently been waiting for the guaranteed {$200.00} bonus to post to my Savings account. 

I have waited the " 3 - 4 '' weeks as promised. Yet the {$200.00} bonus has still not yet been credited to my Savings account. I feel like I'm being strung along as I wait longer and longer past the date where the {$200.00} was supposed to be credited to my Savings account. I have reached out multiple times to TD Bank to ask when it will be credited. I was informed multiple times that my account is on their exemption list to receive the bonus. So I patiently waited the full " 4 weeks. '' Four full weeks from XX/XX/XXXX should XXXX XX/XX/XXXX. However, the missing {$200.00} Savings account bonus has still not been received. I have been patiently messaging with customer service, but still have not received the bonus. After waiting an additional two weeks ( 6 weeks past the date it was expected to receive the bonus ), I now feel I have to follow-up through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

XXXX XXXX did not update for a long time, it gives a bad impact to me and my children.

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 2023-10-17
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2021-04-11
Company: EQUIFAX, INC.
State: AZ
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 XX/XX/2021, I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax investigate these non-account holding inquiries. In addition, on XX/XX/2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The dates are reporting different on my credit report XXXX account # XXXX XXXX15 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 has reasonable cause to believe that the information is inaccurate.

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 2018-12-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, so CFPB help me and delete the 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 explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX a charity company with the IRS, so I thought told me to invest in money and theyll pay me back a certain amount back.They said that if I didnt pay them back that I would got to jail and their company would be sued if I didnt pay them, this went on for 2 days.All the money was sent through XXXX and XXXX XXXX  to different numbers they claim they were banking managers reviewing the transactions.I started to get scared and stopped sending money all the money I had for XXXX XXXX  ( {$6000.00} ) .So on XXXX XXXX  I went to my back to report the fraud and that I had been scammed they still have my account on locked but when I was talking to their office manager he said that it was my fault and that my money wasnt going to be refunded back.I told them why and they just proceeded to say that it was my fault for believing them, I continued to tell them that they claimed that they were a charity organization working for the IRS.They made a claim just in case and I have a claim number they told me theyll do the claim but my money isnt going to be refunded to me.I still have my account is locked since they have the 10 business day investigation in my transactions but Im just scared that if I wait till they are done with that that my money wont be refunded back to me.Can you please help me get my money back I have all the scammers phone numbers used and email.I start school on XXXX XXXX  and that was the money I was going to use. I have made a report to the federal trade commission as well. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
One they always charge me more for my payment and when I pay it they would only take a little off my loan and say I still owed more on it and charge late fees when I paid on time and when I asked them why they have me reported as missing my payments or late payments they told me that they don't deal with that it's another department that does.

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 2022-04-28
Company: Florida Pro Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to purchase the house I've been currently living in from my landlord which is a realtor ( XXXX XXXX ). He has a friend that's a loan officer ( XXXX XXXX ) ( Florida pro mortgage LLC ) our agreement was that my landlord was going to pay for the closing on both sides. One week before the closing he backs out and cancels everything with XXXX. I told him it was not legal what he's doing, so I got a mortgage lawyer. She spoke with him he went along with his friend and started procedure again. I signed 2 DOC ... Then was given a rejection I didn't qualify for the loan the Monday before closing on Friday. Mind you it's a FHA loan ... .. XXXX send me an email saying that I didn't qualify for the loan because of because I didn't make enough money for the loan which is false my credit which is also false it also says that I didn't have enough money for the closing which was also false because they had {$5000.00} in escrow earnest money and what was in my bank account was more than enough. I was asked by both parties to pay off my truck which was {$15000.00} and I did that exactly. I also didn't qualify because I had too much debt also false I have zero debt .... I have a mortgage attorney. I plan to proceed with charges against all parties involved. At this point XXXX XXXX ( my landlord ) is now threatening me with eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am currently in a chapter XXXX bankruptcy case and PHH mortgage has been slow and in some cases failed to update payments to their processing centers. This this has threatened to kick me from the stay at my property. I have sent all copies of the checks and posted dates from my financial institution and PHH will still not make the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have emailed, I have called, I have attempted to log on to their website, I have tried to access the account via the app. The emails never get responses, the wait times on the phone range from 1.5-3 hours on hold and when you finally get an answer the rep says they can not help as they dont have any information or resources, the payment over the phone option says its unable to process payments at this time, the website is down and will not process information to reset passwords and the app has been turned off for logging in. It is impossible to give money to this company. I am worried my credit score will take a hit due to the issues their company is having with communication. It should not be this hard to make a payment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To Whom It May Concern, Since XXXX XXXX XXXX  days ago, Chase Bank has failed to preformed, in turning over to me, XXXX XXXX, the sole trustee and beneficiary, access to the money my parents left me, in the XXXX XXXX XXXX. They have on file the trust, death certificate and trust tax I D number. Chase said they don't have enough money in the bank and it would be reviewed in their Florida offices, where a check will be mailed to my home address.. 

When I've ask, what is happening, Chase replies, the account is in review, or we can't get in touch with them because of the time difference, or we are looking in to it. When I asked for the address of the Florida Legal offices or a phone number, the refused to give it. 
An other bank, in the XXXX XXXX XXXX gave us the funds within a week. After speaking with an attorney, he said they should have turned the money over then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This is a general complaint on how credit reporting works. I understand if I have a 30, 60, 90, 120 day late and charge-off with a creditor that my credit should be effected in a negative manner. I can even understand my credit being impacted by selling to ONE collection agency. It seems very unfair however, that every time the debt is sold to a different collection agency my credit scored go down. If I was unable to pay the debt to the original creditor I am not going to be able to pay with all the new collection charges. My credit will NEVER recover. This takes money out of the economy. People are unable to get mortgages, cars or any other credit because of the numerous reporting of a single account. The scoring needs to change. Score the original debt and even the first collection but after that the debt should stop affecting your credit. Let them collect and go through the court process. Seems like people don't get due process on debts. A {$500.00} debt can become a lifetime anchor.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted XXXX and Transunion about some identity thief. they both refuse to remove a fraudulent XXXX XXXX XXXXXXXX account after I sent a copy of my police report and FTC report that they requested. They said the account was verified by the company, so I said with what proof? I was told that information could not be provided, and I could not re dispute the account again. I let them know that under the information act they had to provide it, And I was not notified by mail or email of this decision. And was told no they do not have to. This is the second time I have had to make a complaint against both this company for refusing to remove fraudulent information on my credit report.

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 2022-04-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
Refuse to to remove negative information off my report first off its paid for second they are not updating fast enough and I keep getting denied. Its harming my way of life and movement. Its keeping me stuck

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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2023, I received a text message from Capital One thanking me for giving them my phone number to get info about my account. I didn't have an account with Capital One, but I thought it was just spam. Then I received a notice from my credit card company that my credit had been checked when I hadn't applied for anything. I looked at my credit reports and it was Capital One. I called them immediately to report that this card was fraudulent. It took many calls and long hold times to get this established. Since it was the first day the card had been issued, there were no charges on it so it was easily disputed and they cancelled the card. Subsequently, I've spent many hours getting this inquiry removed from the three credit reporting agencies and freezing my credit. 

My complaint is that I have tried to get information on the application for this card. I wanted to be able to figure out if my identity was stolen and whether I should worry about other fraudulent activities. Capital One has been very uncooperative in sharing any information about the application. First they told me it was confidential information. They spent a lot of time trying to reassure me that the card had been cancelled and I wouldn't be held responsible for anything. Essentially, they told me I should be satisfied and let it go. When I found out that they have to share that information by law but by mail, I asked them where I should send the request. Then they said I could get the information from the credit reporting agencies who said I had to get it from Capital One. 

A few days or so after I cancelled the card, I received a card in the mail from Capital One. I called again to verify that, in fact, this card was cancelled. They said yes and so I tried to activate it to make sure, and I could not activate it so I'm satisfied that it's cancelled. However, I couldn't understand if someone had fraudulently applied for this card, why would they use MY phone number and address so that everything came to me? I suspect Capital One issued this card without my request and that is why they won't share the application information. If that's the case, they should be held accountable.

Company response to consumer: Closed with explanation