BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Convenience Checking account ( Account No. XXXX ) with TD Bank on XX/XX/XXXX. I closed the account on XX/XX/XXXX. During the course of the account ownership, I received an account opening bonus of several hundred dollars.

Despite the fact that the bonus counts as interest income for the purposes of filing federal taxes, TD Bank declined to timely deliver to me an INT-1099 form. ( Despite the fact that all other TD Bank mail has been delivered, including advertisements for opening a credit card with them dated after my account has been closed, I did not receive the INT-1099 form. ) And because my account has been closed, I can not access the form online. 

When I attempted to call them on XX/XX/XXXX, I was advised that the form had been mailed out, but that there must have been a problem with the mail. I was then advised, falsely, that I was not eligible to receive an INT-1099 because I hadn't incurred more than {$10.00} in interest. I was then finally advised that I needed to speak with a TD Bank branch to access closed account information. 

I then called the TD Bank branch at XXXX XXXX XXXX, XXXX XXXX, CT, at XXXX. I was again falsely advised that I was not eligible to receive an INT-1099 because " bonuses don't count as interest. '' ( Despite the fact that I have received INT-1099s for similar bonuses from other banks in the same market. ) Finally, I was advised that I would need to physically come into the bank to receive my form, if one could even be generated at all, because TD Bank lacks the ability to communicate it to me in any other form. 

My request is fairly simple : I want the tax information that TD Bank has generated for me, which I need to file my taxes and which TD Bank has presumably already provided the Internal Revenue Service. My problem is also straightforward : the procedure that TD Bank has developed for obtaining this information is complicated, inconvenient, and teeming with misrepresentations. In failing to make my tax information easily available to me, TD Bank is materially affecting my ability to file my taxes. If I miss the deadline to do so, or if I end up having to file incomplete information with the Internal Revenue Service, it will be TD Bank 's fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
some time on and around XXXX XXXX XXXX. I went to the bank to make my that was do or XXXX XXXX XXXX and pay on my account of XXXX TDB made an error .they post payment the XXXX of XXXX XXXX. but I pay in the bank Moring the XXXX about XXXX in the XXXX.after then they post my payment and it made my payment late .i have never been late in make my payment on any of my bill. TD.Bank after 24 month of have this credit line they took my credit line from me and my wife. because there misstated that they made. I believe it was unfair to removal my credit line from XXXX to XXXX on there misstated out of 24 month my payment is due on the XXXX of the month. and not only that I ask there representative about the post on the XXXX XXXX of XXXX because I knew that it was a XXXX XXXX week end .and she stated it would post that day. plus they mail me a statement stated, I old XXXX late payment. I send TD Bank a Letter on XXXX XXXX XXXX and have not hear back from my request. ever time the bank take your credit line your credit score drop. I think it was an unfair treatment by the bank and they refuse say that they was wrong

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-04
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XX/XX/2017 with Quicken loans. My ex-wife was on the previous mortgage and she was also the named insured. Part of the refinance was to remove my ex-wife, XXXX XXXX, from both the mortgage and the deed. During the process of closing, Quicken loans obtained a policy number from XXXX XXXX and paid the amount to XXXX XXXX that was due on the policy. The policy that Quicken loans paid was the old policy that XXXX XXXX was named on. XXXX XXXX had already released XXXX XXXX and when they received the money, they immediately sent it to XXXX as an overpayment. Quicken loans then discovered that they had paid the WRONG policy and sent out another payment for the right one. 
During the Escrow analysis in XX/XX/XXXX, Quicken loans determined that my escrow was short XXXX XXXX XXXX dollars and XXXX cents. Quicken then sent the escrow analysis to me in the mail giving me the option to pay it back over 12 months or one lump sum. I have no idea what the process of refinancing a house is which is why I had an attorney at closing. I did not receive, nor benefit from the money that XXXX XXXX received in error. I have made my mortgage payment on time, and have done everything I should do, and I do not feel that I should have to pay for someone else 's mistake. ( i.e. Quicken Loans, XXXX XXXX, or XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My son needed a loan to start college. He then decided to go into the military so the loan was deferred. He was in the XXXX for 6 years. When he got out, he started school. Unfortunately the school he was at for a few years lost their accreditation and he was living in Idaho. He had to basically start over. Since the loan has been there for 10 years, they are demanding payments that he can not afford. He is still in school struggling to get his degree. He has no income. They are refusing to help us set up an income based payment plan for him. We can not afford these payments. They should help him defer a few more years or create a payment plan based on his income. They have not been helpful at all. I am very disappointed in the system. The interest he has been paying is ridiculous and adding up every day. This company needs to make special accommodations in these situations. He took 6 years of his life to protect our country and there is n't any protection for him?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Any future correspondences from this day forward is coming from me. 

Equifax was sent a letter disputing information being reported on my consumer report from me and was received by the company on XXXX/XXXX/2022. 

File # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I am reaching out to you in regards to a dispute I had with PayPal over two payments I made to a person who in fact turned out to be a scam. PayPal denied my dispute and frankly I'm confused and surprised. I did not receive the item I paid for or anything at all for that matter. The payments I'm disputing were for {$100.00} on XX/XX/XXXX and {$200.00} on XX/XX/XXXX. I have all the text messages, an email from a fake shipping company as well as an email with pictures that were taken off of the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This company is fraudulently reporting a late payment on my credit report. This company offered me COVID Forbearance which I accepted for a period of 3 months. At the end of the forbearance period I voluntarily resumed making normal monthly payments and then shortly after paid back the 3 months due for the forbearance period. This company has ruined my credit and refuses to acknowledge their mistake. They claim that I needed to physically sign documents to get off the forbearance program even though they allowed me to enroll without physically signing anything and just enrolling online. I have supporting documentation from my bank indicating the constant monthly payments to this vendor. I need them to remove this false late payment claim off of my credit report. I contacted them several times to remove the false late payment and they refuse.

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 2017-12-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Creditors' Service Bureau of Niles, Inc
State: IL
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:
My credit got XXXX.cuz of a XXXX XXXX XXXX XXXX XXXX made mi company collecting on a disputed nonowned debt .i would like my credit restored by the nonlicensed debt collector tryn to XXXX me up with life thru XXXX credit controlled '' units 0ver.25centts.points im idtheft victim already struggling my score wass at XXXX this XXXX freal by a XXXX michigan hospital white ran with wanton full intent too cause me harm for reporting the XXXX for n too the state n federal government.please stop reporting calln hassling threatening this is result of idthegt i contacted several times the hospital n still recently had XXXX XXXX out of me at XXXX XXXX XXXX XXXX XXXX on XXXX # XXXX # 2017 XXXX XXXX XXXX XXXX for 'denial of excercising my constitutional right to leave the facility XXXX over hr n half XXXX XXXX XXXX  security guards threatening nurses n XXXX XXXX XXXX.n XXXX so i know how XXXX retaliatory hospital unregistered n illinous can be XXXX n battery by violent injection this is similar billing XXXX harm to cause monetary harm to XXXX but noncompliying debt collecting nonbond authority with federal gov when colecting is serious offense tho

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i notice a inaccurate item on my report from SMITH & ASSOCIATES on XX/XX/2021, about a alleged debt of {$140.00} that i dont owe nor have i had any dealing with SMITH & ASSOCIATES.I requested documentation for the alleged debt on XX/XX/2021 and has not heard from them thus far.attach is a copy of the information that i sent them, also they are sharing my personal information without my permission, which is a violation of the HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s )  or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.

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 2017-09-30
Company: DISCOVER BANK
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My complaint is regarding Discover Student Loans. I receive 6+ calls a day EVERY DAY from 2 different  numbers regarding being delinquent on payments to my loan. This starts as early as XXXX until as late as XXXX. These calls start even when I 'm only a day or two late on my payments. I have tried to speak with the company numerous times but they have all told me that they ca n't do anything about it because it is an auto-dialer. I have tried to work with the company to lower my payments but again, they told me beyond getting a forbearance, they are unable to lower my payments. I have had to block both numbers from my phone just to avoid being bothered by the calls while at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
at first I got sick and was unable to work, so I ask forgiven of the loan, and I did sign up for the forgiveness program and was accepted, gave this person all my information, even made payments to get the loan forgiven, now I still have the loan, they took my money and I have n't heard from them I paid {$280.00} for three months that was the agreement, and I would get my loan forgiven, they owe me {$860.00} I need them to correct this information and/or refund me my money. I have the records to show you the name of the company, and funds taken out of my bank account. I want to know if this was a fraud/hacker on my computer. please help because all my information is on this computer such as my SSI number, bank information, birthday date etc. please help. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX {$780.00}

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Department : Remove fraudulent accounts from 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 2022-01-05
Company: American First Finance, 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: Information belongs to someone else

Complaint:
I received 2 letters dated XX/XX/21 and XX/XX/21 from American First Finance. Both letters stated that charges in the amount of {$190.00} would be automatically deducted from an account ending in XXXX. I do not have any accounts ending with these numbers and I have not made any purchases from American First Finance. I called American First Finance and the representative told me that this is for furniture that was purchased at XXXX XXXX XXXX in XXXX, GA. I called XXXX XXXX XXXX and spoke to XXXX. He looked up my information and told me that approx {$2600.00} of items were purchased at the store using my name and social security number. My prior address was used. The phone number used was not my number XXXX and the email used is not my email XXXX. I was also told that the sales person who made this sale is XXXX XXXX and he no longer works for this store. 
After several weeks of phone calls and sending letter to American First Finance ( AFF Identity Theft Affidavit along with FTC ID Theft Report and Police Report ) has yet to remove inquire from my credit report and have now started to report this account past due balance on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent XXXX XX/XX/XXXX an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??

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 2021-12-02
Company: PLANET HOME LENDING, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a home in XX/XX/2020 and the loan was originally through XXXXXXXX XXXX XXXX. They sold it to planet home lending and planet home lending never sent us a notice of how to handle our mortgage payments ongoing forward or how to set up our account. 

XXXX sent us a letter to our home via the postal service however we never received any other mail or letter to inform us of this happening from the other company or XXXX. We were on vacation so we didnt even get the letter until the day of the transfer of the service. 

This is completely unacceptable, we should be given notice in a variety of forms of communication before our loan is sold to another company. The new lender should give us notice of how to set uo our new mortgage account WELL IN ADVANCE OF THE TRANSFER DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: AZ
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:
Equifax was notified XX/XX/2020 that the date of birth on their credit report was inaccurate. I have sent in all supporting documents and the issue remains. I now want Equifax to disclose who/ where supplied this information? As I can not get it corrected with a drivers license, passport, SS card, utility bill etc. I want to know who managed to change this with equifax? They are by law to disclose where/ who is the defining source of this information. I have requested this several times. I sent a copy of the equifax report, ( attached to this message ), circled the error so there can be no mistake as to my question on inaccurate information. To date equifax has refused to answer this. They do ask for a 5th time a copy of my drivers license. Sent via certified mail 3 times. 

This complaint is solely on who supplied the inaccurate information that equifax is believing. Show me their proof as someone had to go to extreme lengths to do this ... .as I can not, and I am legitimate. So disclose the source of this information. Who is reporting this? What documents does equifax have that changed my date of birth after 60 years.

Company response to consumer: Closed with explanation