BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened two accounts at TD bank in XX/XX/2020 and funded them ( also in XX/XX/2020 ) with {$2500.00} and {$1000.00} based on a promotional mailer I received, which promised credits of {$300.00} and {$200.00} based on meeting a number of conditions. 

The accounts were subsequently closed by TD Bank ( due to my inability to come in to a branch in-person ) but they did not return the funds. 

No one from TD followed up to return the funds or provide any information. They lost track of one of the transfers, but said it was returned to my bank, despite my never having received the transfer. 

I called, emailed, and went to a branch, provided ID, and documentation. They have been able to " find '' {$2500.00} but say they still " can not find '' the missing {$1000.00}. Without having provided any documentation or evidence, they say it was returned to my original bank and I should follow up there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-06-29
Company: Experian Information Solutions Inc.
State: TX
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Activated a 10 % Cashback offer for XXXX XXXX with my Chase XXXX XXXX card. Made a purchase at a XXXX station with that card on XX/XX/XXXX. It shows in my account as XXXX XXXX XXXX for some reason, but the station is clearly a XXXX. Inquired with chase 's useless outsourced scriptreaders and only received their typical useless canned FAQ responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23
Company: CITIBANK, N.A.
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:
Call into Citi card in XX/XX/2020 about deferred payments when COVID 19 negatively affected our plumbing business which is our only source of income. Was told we would be deferred for 3 months and it was early in the process and they were still figuring everything out. We were not contacted or called until I got a notification from the credit bureau that I was three months behind. So not only did they report to credit bureaus that we are 90 days late, but now they want 3 months of payment and stated that we are not eligible for any COVID relief. They said they didnt contact us because we were on a no contact list.

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 2023-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was trying to make a purchase and when my credit report was pulled it prevented me from making the purchase, because I had damages on my credit report. I had 11 unauthorized hard injuries that I have no knowledge of. According to the 15 USC 1681 there should not be any damages on my credit report that is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: FL
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:
I decided to check my credit report some time ago and I wanted to point out that XXXX has been participating in XX/XX/XXXX activities and hasXX/XX/XXXXduties as a financial institution. XXXX XXXX XXXX XXXX ( a ) states that any fiduciary that breaches any of the responsibilities, obligations, or duties imposed upon fiduciaries by this subchapter shall be personally liable to make good. According to the United States XXXX, no transactions of mine should ever be reported to any third party. Who gave you all any permission to report any information about my XXXX account that I had many years ago, and the additional boldness to continuously declare up until this time to claim fraudulently that you have received insurance payments by updating about the account status that should not be there in the first place. This financial institution is masterminding along with the credit reporting agencies to acquire my XXXX XXXX and furnish it to damage my name willingly and falsely update the information and resetting the time of removal naturally. Let this be my official complaint. Your policies and corruption do not over see the LAW of the UNITED STATES OF AMERICA. I will be reserving my rights of litigation that are allowed by the law up to the amount of {$1000.00} for each violation. Not only to the financial institution but also against XXXX, XXXX, and Experian for furnishing inaccurate and incomplete information and participating in XX/XX/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 explanation
Consumer complaint received 2021-12-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was receiving calls from Comenity Bank on my home phone and cell phone. I believed those to be annoyance calls and blocked the caller. I started to get concerned when my son-in-law was contacted by this bank and didn't know how his name or number was linked. I finally took a call from this bank and was told that there was a delinquent account that was opened in XX/XX/2021. I ran a credit report and saw an entry from a credit card that was opened with a {$17000.00} credit line in Missouri. There was an address on the residence information that was listed as the most recent address in XXXX. It was not my address. The other addresses listed were mine and I have been in XXXX  for the past 10 years. All of my active credit cards and utilities are tied to this permanent address with a XXXX  zip code. I have talked to the Comenity Bank fraud division and they said that this looks like fraud and they will investigate. They will be contacting me in the next 90 days by mail or call if they need additional information. The current balance on the outstanding account in about {$17000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. I am never been late on 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 2022-12-30
Company: TransferWise Ltd
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good day I was a Wise account holder. For some unexplained reasons, my account was deactivated. I opted not to appeal and asked them to transfer my money. Challenge is Wise will not tell me the final exchange rate used, the final amount they transferred, or send me the proof of payment. Now my bank wants me to show that funds came from the account but I am not able to do that if Wise does not share the final payment statements. This has caused me lots of strain. 

May you kindly assist me? I also want the data for y account since inception to date as being locked out of the account and am not able to access anything. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TD BANK US HOLDING COMPANY
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: Problem with personal statement of dispute

Complaint:
Spoke to Nordstrom Card Services About Removing the Late Payments from XX/XX/XXXX to XX/XX/XXXX. At that time, I faced a hardship. I was turned down from a Job I was recently hired for due to the Covid Virus Spreading and Starting the Worldwide Pandemic. I was unable to make payments. 

I Tried to pay What I could, but I Didnt get Hired for Another Job Until mid/late XX/XX/XXXX. I was then Able to catch up on my payments in Early XX/XX/XXXX. 

Being a Card Member since XXXX - and the pandemic - I Thought Theyd have some leniency. 
In XX/XX/XXXX I spoke to Customer Service Trying to Explain and Resolve the Issue. They Stated they Could have the Late Payment Fees ( {$38.00} per late month ) Removed for XX/XX/XXXX and XX/XX/XXXX, but Not the Actual Late Payment Mark itself on My Credit Reports. Even if all the late payment marks from XXXX couldn't be removed from my report, at least the Months of XX/XX/XXXX and XX/XX/XXXX Where they Forgave and Adjusted the late payment fees should have been. This is not the first time this has happened. 

Since I Caught Up on My Payments in XX/XX/XXXX, I have NOT been late since. I Made Another Phone Call to Customer Service Last Week ( XX/XX/XXXX XXXX. I was told again that the Late Payment Marks for XXXX could not be removed. I don't understand why. I Do Believe Its Unfair Only Due to the Fact That The World had Been forced into an Unforeseen Pandemic. I Have Also tried disputing it with no luck. 

The Late Payments are Hurting My Score That I am Actively Trying to Improve Everyday. Please have these derogatory marks Removed due to the Financial Hardship I Faced and The Federal Declared Disaster. I Have Also Been In Good Standing with On Time Payments and Will Continue to Do So.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Account status incorrect

Complaint:
XXXX XXXX is reporting to my credit bureaus that I was late multiple times on my lease payments but I NEVER was! I have always paid on time. I have my payment set up on their account for autopay. They draft my payments directly. This is hurting my credit score and my ability to get a car loan to buy out the lease so that I do not have to deal with their fraud anymore. They have already been fined by the government for this exact thing before and they are doing it again. 

I have attached a screenshot of the fraud on my credit report and I have attached my payment history that clearly shows I paid on time every month.

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 2021-12-19
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX ( XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX : 15 USC 1692a ( 4 ). 

XXXX OF XXXX : 15 US Code 1681 a ( e ). 

XXXX XXXX XXXXXXXX : 15 U.S.Code 1692a ( 4 ) I reached out to these companies and Equifax also. Some items were previously removed but some remain. Some of these items were removed from other credit bureaus but Equifax did not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: General Motors Financial Company, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorize inquiries on my credit report that XXXX  refuse to investigate properly. I did not authorize these companies to pull my credit iinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
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: Information belongs to someone else

Complaint:
Syncb/Walmart  XX/XX/XXXX opened-XX/XX/XXXX closed XXXX $ I have called numerous times and reported that this is not my account and has been opened by someone else and nothing has happened.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: MO
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: MO
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
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:
I have been trying to get my personal information on my report accurate since XX/XX/2022 with Experian. The method of contact each time I have contacted them to dispute my personal information were by phone. I received XXXX emails afterwards each time I contacted them via phone. XXXX was to rate my experience and the other one was my dispute results. 

Experian removed all inaccurate information on my report for personal information except for XXXX of the names that is attached to my report that is inaccurate. The name that is showing up as First, Middle, and Last name is inaccurate. I have a total of XXXX names showing up under my personal information ; XXXX of the names is inaccurate due to incorrect spelling of the middle name which can be labeled as a form of fraud. To prevent that from happening I called again ( multiple times ) the same day of receiving my dispute results e-mail on XX/XX/2022. Hoping I could get it removed. 

I received my dispute results on XX/XX/2022 for the phone dispute I did after calling again. 

I spoke with several employees but this specific male employee ( I have his first name only ) did not have good customer service. It seemed as if he already knew what I was calling about so he was prepared. I asked to speak with the office supervisor or manager and he stated that he was not transferring me to the supervisor. Instead, he asked me what I wanted to speak with the supervisor about over and over. Please, pull the phone record if needed because I had a very bad experience when all I needed was the inaccurate name removed. His attitude was more nice nasty and his customer service should have been better because his job is to help me even if he can't. 

It is now XX/XX/2022 and I still have the inaccurate/misspelled name on my report when it needs to be removed. Experian employees was giving me a hard time about it and wouldn't remove it even though I have every right because it's 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 non-monetary relief
Consumer complaint received 2021-12-19
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never applied for affirm in my name and never had a item under this company I ask them to close the account and remove it from my credit report and I would take legal actions against them they refuse to remove it and told me it was accurate to be reported on my credit report this loan is showing a {$0.00} balance on my credit report but I want it remove off my file this is a fraudulent loan I never agreed to borrow money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2021-12-19
Company: Square Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received a business debit card from square up with my name and address on it, when I called to report that this was a fraudulent account and that I never contacted them they said they would " start an investigation ''. When I asked they said that someone would have had to actively open a debit account in order to receive their card. I told them that this is identity theft then. I have since received a second business debit card from them now with the business name adjusted by one letter. I have not received an update on their " investigation '' nor do I believe they are actually doing anything to prevent further misuse of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Paypal is discriminating against poor people and the elderly by no longer letting you access your account without disclosing a cell phone number. This policy is being applied to existing accounts.

The government is tasked to ensure that business practices are fair and necessary and do not cause a disparate impact to protected groups.

I can live without doing business with Paypal. I am heartbroken that they have decided to mistreat their customers and not accept land line phone numbers.

Company response to consumer: Closed with non-monetary relief