BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX, my wife and I have been using our TD Bank accounts for direct deposit by our employers, and for about five years, we have also used TD for almost all our transactions. Still, recently, we had a very disappointing experience with TD : On XX/XX/2023, we could use neither of our accounts. 
On XX/XX/XXXX, we went to a TD branch to find the reason. We were told all our accounts were closed by TDs demarketing office and that we would receive a check soon, but they could not tell us why. 
On XX/XX/XXXX, we received letters ( issued on XX/XX/XXXX ) stating our accounts ( including our credit account ) were closed, not explaining the reason. 
On XX/XX/XXXX, TD opened new savings & credit accounts for us. 
On XX/XX/XXXX, we received checks for all our closed accounts. 
On XX/XX/XXXX, after our multiple follow-ups, TD demarketing office called us and said the reason was we had not updated them on identification documents, but now our profile appears fixed and ok. [ Fake claim ; I had never received a notification on the required ID document update, but my wife had received such a notification and had addressed it by walking into a branch in person and resubmitting IDs. ] Despite they caused the closure of our accounts for unclear reasons, and no timely notification, they were unable to guide us on who should repair our credit hit ( due to our credit account closure ). 

Our main expectation is that " TD follows and repairs our credit '' As secondary concerns, we still expect : 1. To know the clear reason ( s ) that TD closed our accounts.

2. To know why after account closure, TD agreed to reopen new accounts for us if TD had a solid reason to close our accounts ( you can see in the notification letter we have determined that we can no longer renew or offer you any new accounts and/or services in the future. ) 3. To know why TD did not use faster notification services like email or special mail.

4. Compensation for the time and troubles we had with our pending payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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 information incorrect

Complaint:
I am asking you to look into XXXX. I am a co-signer with my son. This loan is XXXX XXXX XXXX. We have had no issues. I have repeatedly called, only to be told many different reasons why this happened. I was never notified of this issue. I was told my email did not work, I have had the same email as long as it has excisted, same phone number too. My credit score went from XXXX to XXXX. I was told another version last night, that XXXX puts the payments XXXX makes from direct bank payments, to where XXXX wants to apply them. Who does this? This also happened during Covid. I am pleading with you to restore my credit where it was before this mess. Thank you for your time. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. my id was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit reporting agencies per the FCRA. The paperwork has not been processed correctly with the disputes. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX I have not been given copies of the verification process per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$6800.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and XXXX XXXX is listed as the creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. XXXX ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was denied approval for a rental agreement because of miss-information present on my TransUnion credit report regarding all my student loans with XXXX. 

It is stating " Payment Deferred, Collateral : Deferred to XXXX '', showing on 8 different Student Loans managed through XXXX  " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}

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 2018-10-17
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They arent doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. The property has been listed as a Short Sale for months now and I have had numerous loan offers from interested parties to buy the property. Loancare has been provided these offers all requested paperwork that they have asked for numerous times with no resolution or answer as to approving the short sale offers. They keep asking for documents and paper work that has been already provided and because of their delays we have had a previous offer fall through. Loancare has been very unreasonable since they have taken over my loan. They do not return phone calls left by our representation or emails and when they do they are weeks and months later. I am very desperate to sell my home through a short sale but Loancare is blocking this by their un-professional practices. 
On XX/XX/2018 or representation tried to contact Loancare again and thus far no response.

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 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Id like to know if I owe anything to this bank so I can begin building a positive relationship and possibly opening a new 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 2020-03-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today XX/XX/XXXX I was contacted by Prestige Financial regarding my car loan via text message and was advised that my car loan and was advised that I have been past due since XX/XX/XXXX which is incorrect. My mom ( cosigner ) contacted them by phone and advised them that I recently started a new job and will be making XXXX 's payment soon ( currently 13 days past due ). The collections rep XXXX said to my mom " why are you teaching your son to pay his bills late '' She was extremely rude screaming over my mom and yelling about me being 1 payment past due. My mom then advised her not to text either of our phone numbers or she will take legal action, XXXX stated she will continue to text until he is current. My mom then proceeded to ask to speak to someone higher and she gave the line to a person by the name of XXXX who claim to have been the Assistant VP of collections. She explained to XXXX that she did not appreciate the way XXXX spoke to her and that she wanted to make a formal complaint. XXXX only proceeded to request a payment and blame my mom for XXXX 's behavior. He continued to be rude and offered my mom no solution only to tell my mom she was yelling at him. My mom then asked to for his bosses information where she was given a name XXXX who is supposed to be the VP of collections. XXXX refused to give any employee numbers or last names. My mom advised that she would be making a formal complaint as one should never be made to feel as low as they made her feel after calling them to try and resolve the issue. No one stated the Mini Miranda at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: LA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I attempted to make a deposit of {$420.00} on XX/XX/23 at a PNC bank atm located at XXXX XXXX XXXX. XXXX, XXXX XXXX, FL onto my XXXX account. I received the following error message " action selected is not available at this time '', please retry ''. The ATM did not dispense the money back to me. I attempted to call the bank to inform them of the incident, but I received the message that the bank was closed. I went to the bank Monday XX/XX/23 morning at XXXXXXXX XXXX to speak with a teller to inform them of the incident. I was told to contact my bank or servicer, which is XXXX. XXXX would need to submit a dispute with the bank. I have contacted XXXX multiple times, and I was informed that the transaction isn't showing on their end, and they can't assist me any further. XXXX told me to contact PNC bank to resolve the matter. I called PNC bank customer service, and I was told that only XXXX could submit a dispute. I have went back and forth between XXXX and PNC bank and neither of them have been able to assist me with this matter. I attempted to obtain information of the ATM servicer, but I was told that only PNC bank customer service number is available on the ATM, and XXXX picks up the cash from the ATM. I am trying to obtain information on how to resolve this issue because the funds are needed desperately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: CA
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:
Ive tried to get my credit report from both XXXX and Equifax to no avail. Im only able to retrieve my credit report from Equifax. This issue has caused me a great deal of stress and I would like for it to be fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 2023-03-13
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX was able to fix the non reporting of my mortgage on XXXX and XXXX only. Currently Equifax still is not reporting my mortgage and this needs to be fixed quickly since my score has dropped due to this issue. Please help assist in assuring Equifax properly reports my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and fico score but they all wouldnt let me pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
incorrect information, incorrect social security number and then when tried to fix or communicate my social security was added without my consent. tried to resolve it then when resolved it was resold and placed back on my credit. fraud. Wrong cellphone number, wrong legal name, wrong employer.

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 2021-06-21
Company: TOYOTA MOTOR CREDIT CORPORATION
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 have a loan with TOYOTA MOTOR CREDIT CORPORATION, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT CORPORATION and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and TOYOTA MOTOR CREDIT CORPORATION with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
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 belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX to paid {$2100.00} to a contractor in XXXX, ( XXXX XXXX XXXX ) for a service via XXXX XXXX linked to my Citi Bank Credit card. After a month has passed an several follow ups the contractor number and website was deactivated when started requesting a refund. 

I disputed the charge with my credit card company on XXXX for goods and services not rendered. After which 10 Unauthorized charges via XXXX XXXX hit my Citi Bank account from said contractor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is not normal spending for an individual and their algorithm did not pick it up nor was my account blocked. 

From the first fraud dispute on XX/XX/XXXXXXXX  Citibank stated it was from a digital wallet and advise I remove from cards from XXXX XXXX which I did. 

Every new card they issued kept being updated on a digital wallet which Citibank admitted they were having issues unlinking from their end. Every rep and supervisor said the same thing. 

Citi bank confirmed with me on XX/XX/XXXX they were finally able to unlink the digital wallet that the charges were coming from but yet still a charge got posted on XXXX 

Fraud decided moved all the reported unauthorized / fraud charges to billing dispute on XX/XX/XXXX because I had " Initial Contact " with the contractor Citibank dispute department is now treating all 10 fraud charges as if they are my initial charge on XXXX 

I have provided numerous information to Citibank explaining that the contractor contact number and website is no longer available for me to dispute with them for a refund and the 10 charges from XXXX XXXX XXXX was not me. 

I even provided a receipt from another contractor who I hired to complete my service. 

All the conditional credits there were provided totaling = {$23000.00} are now being reversed and they are closing the disputes in favor of the contractor.

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 2023-03-13
Company: CCF Intermediate Holdings LLC
State: AL
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:
Letter sent and responded to Check into Cash XX/XX/23 to verify debt. They refuse to verify debt, this is not mine. I am a victim of identity theft and they have 3 accounts on my credit report they can not validate.

Company response to consumer: Closed with explanation