BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: TD BANK US HOLDING COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, On XX/XX/XXXX I opened an Checking Account at TD Bank N.A ( US Account ). 

I received an email asking to contact them to process the Debit Card.

In the same day I called them, and they confirm that the Debit card would be sent to my mail address.

I got access to the online banking, to the App and everything was set up. I received a transfer as well that was properly deposited in my account.

One week later, I tried to deposit two cheques that I received from the University as refund for travel expenses. They send me 2 cheques with the same amount of {$170000.00}. 

I knew one of them probably was not valid due to the duplication but since I didn't know which one, I deposit both. One on XX/XX/XXXX at night and the second on XX/XX/XXXX in the morning. I was expecting that probably one cheque would bounced but the other one would be deposited, however I didn't know which of them. 

After that both cheques were put on hold by TD Bank for further evaluation.

After few days, as expected, one cheque was bounced. However instead of depositing the second cheque, TD Bank just closed my account without any further notice. 

In the mean time, the bank had already approved my credit card with XXXX limit, which for me means that there was no problem in my credit score and history. 

After this unpleasant situation I called the TD bank to verify the reason for closing my account. For my surprise, they said they can not inform me the reason! 

The only information I got is that the account is closed and the amount will be sent by cheque to my mail address including the amount of the second cheque AFTER the processing time for the cheque that still on hold. And the whole process can take up to 30 days. 


In summary, TD bank closed my account with no pertinent reason, without any notice and is holding my cheque and residual checking balance. 

My major concern is not only about getting my money back but actually, the impact of this on the next bank account I will try to open. 

I am a XX/XX/XXXX, relocating from XXXX to XXXX, and I obviously I will need a good bank account to deal with significant income amount every month, as well to build my credit score for the mortgage. 

The only possible reason that come to my mind, since the back said that they " can not inform me the reason '', is : Maybe TD bank suspected fraud about the duplicated cheques (? ) and for " security '' reason they blocked and closed the account? 

If this is the reason, would be more reasonable call me or called XXXX XXXX XXXX to verify the authenticity of the cheque instead of harming the account owner? 

This is just unacceptable and extremely humiliating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-02-10
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protested consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX Account name XXXXXXXX XXXX XXXX account # XXXX Account name XXXX XXXX XXXX  Account # XXXX has violated my rights 15 U.S.C 1681c. Section 602 A. I Have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also States a consumer reporting Agncy can not furnish a account without my written instructions 15 U.S.C 1681c 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 then records of conversation of crime which antedate the report by more than seven years 15U.S.C 1681s-2 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: GA
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:
On or before XXXX I disputed accounts and nothing changed. 
Im disputes came back late passed the 30 day mark and verified. I then requested to know how they verified and with who. I never got anything from the credit bureaus. Account s disputed are 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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneousThe XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$4800.00}.

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 2022-11-10
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number, I answered and told them to stop calling and I enrolled in XXXX. 

XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a trial modification plan and my loan was transferred to a new service provider on XX/XX/XXXX. My modification was canceled after the payment from previous servicer was not transferred and my home was foreclosed on and sold on XX/XX/XXXX. I was told to send the document showing patent previous servicer. I did that on XX/XX/XXXX. I didnt receive a response, so I assumed I was fine. Later on I find out that the servicer sent correspondence via email but it went into the junk box. It stated that the file format I sent the document in was not acceptable. So, Ive since re-sent the document after finding out this information in the correct file format. I was also told by my point of contact at loss mitigation that upon receiving the document it should not affect my trial modification. And also because the loan was just transferred to a new servicer theres a 60 day grace on all new transfers. This was a wrongful foreclosure. The new servicers phone lines have been busy and it asks me to leave a call back number but I never received a return call. I tried to make my payment online but was blocked, I tried to make payment on the phone via automated system but was blocked. I called nearly every day and when I finally get through to a representative Im told the trial had been canceled and that Id need to reapply. This was on XX/XX/XXXX when I was told to reapply without being told that my home was going into foreclosure sale on XX/XX/XXXX. Why tell someone to reapply if the home is being sold the following day? Very misleading and confusing. Please help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$5200.00} THAT WAS OPENED AS FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS

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 2023-02-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneousThe XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I did a mobile deposit of a check for {$6500.00} on XX/XX/19, was told the money was being held for 7 business days. I called the bank the check was written from the next business day, they informed me that the funds had already cleared. I then called the receiving bank back to find out if I could have someone from the sending bank fax or call to verify the funds had cleared and the check was legit, and was given the run around by two different associates. I deposited another {$350.00} via money order to an ATM on XX/XX/19 to cover payments I already had scheduled to come out of the account the following day. I would have deposited cash, however I had already purchased a money order to pay rent with and had no way to cash it as all the branches in my area had closed by the time I got out of work. At no time did the ATM inform me this wasnt an acceptable way to deposit funds, and it accepted the money order. I did not find out until the transaction finalized, the money order was no unretrievable, and my receipt printed that this money was to be held for 10 business days! At no point during the transaction was I informed the funds wouldnt be available. I called the bank to speak with someone about lifting the hold on these funds and was again told that they needed to verify the funds ( even though a money order IS verified funds. ) The scheduled payments came out of my account and caused my account to go negative. The {$6500.00} then posted on XX/XX/19. However, I was charged a {$35.00} fee for the returned payment, as well as a {$20.00} fee from my utility company for the returned payment. This is absolutely unacceptable.

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 2023-02-10
Company: EQUIFAX, INC.
State: NJ
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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Banking error by hsbc led to a invalid debt being prosecuted by a debt collection person that used profanity, threatening remarks towards my wife, and brothers and family. Disparaging remarks about my service to the nation when I was XXXX by a XXXX while serving XXXX. Threatening court actions and promises XXXX. Phone number of said debt collection agency is XXXX this person has made the statement that he would come to my house personally and do harm to me.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: VA
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:
Experian is reporting I was late on my mortgage payment XX/XX/2022 but failed to 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 explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE NOT RECIEVED ANY VERIFICATION OF DEBT OR REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAWS 15 U.S. Code $ 1681c-2 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAS BEEN AFFECTED BY THEIR ACTIONS.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX 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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I called the 3 credit bureaus after I purchased a credit report with XXXX and XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts must be investigated and updated XXXX XXXX XXXX XXXX  XXXX Balance {$870.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXXXXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}.

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 2022-11-08
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never received any bills for this Electric Service. I noticed this on my credit report last year and disputed it asking for proof of this debt being mine. I never received anything and the debt disappeared from my credit report. Last month i started receiving paper mail and very aggressive phone calls from a collection agency called Convergent Outsourcing, Inc about this debt. I have asked them multiple times to provide me with proof of this debt and they just hang up on me after I refuse to provide them with my social security number. I contacted XXXX XXXX XXXX and provided them with the account number finally provided to me by XXXX. XXXX XXXX is telling me someone set up electric service at an address of XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/2020. I have never lived in Texas in my entire life and have lived in North Carolina for over 30 years. XXXX XXXX is telling me I need to file this report with you due to someone having used my social security number to set this account up with them in order for me to have this debt taken off.

Company response to consumer: Closed with explanation