BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received the TD Bank open an new accounts with promotions. 

The promotion card was showing : The criteria are as follows : A {$300.00} bonus is made available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. 

My account was opened on XX/XX/XXXX. I made direct deposit funds of {$2500.00} on XX/XX/XXXX. I was send a send a secure message on XX/XX/XXXX to check status. UntilXXXX I received a reply MSG I'm not qualify. 

The MSG is below : Please note that qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payment received for goods sold do not qualify. 

Due to your opening deposits being transfers and not a deposit as mentioned above, this account does not qualify. 

But the promotion does not mention anything this above informations. 
This is promotions will misleading consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: CO
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:
Experian, XXXX and XXXX are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT 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 2018-12-27
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I applied for a credit card through XXXX XXXX but was denied and received a letter from XXXX XXXX saying the credit report provided by XXXX provided 4 possible reasons and outlined them to me in a letter dated XX/XX/2018, none of which apply to me. After a lot of run around from XXXX and XXXX, I requested my credit report and received that on XX/XX/XXXX from XXXX. None of the 4 reasons applied per my credit report either. I also noticed there was an incorrect phone number so I requested that be changed and requested further information as to why I was denied a credit card. Then, I received a letter from XXXX saying all of the info matched and nothing would be expunged. And also, I still have no reason for why I was denied a credit card. Throughout this whole process, XXXX has given me the run-around and XXXX XXXX  has been unclear with the reason I have been denied. I am concerned about my credit but do not want multiple inquiries on my record.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
I have disputed several things on my credit report and havent gotten a response at all and nothing has be resolved

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 2018-02-18
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:
XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/Equifax XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XXXX XXXX I received an email from Bank of America stating my mother ( XXXX XXXX XXXX and myself has " suspected debit card fraud '' on our account. The bank was thus withdrawing {$5000.00} from her account to " hold ''. I have tried daily since then to get an answer from the bank. My concern is that they STOLE {$5000.00} from the account and said they were holding it pending " further investigation ''. I went tot he local branch on XXXX XXXX. XXXX, XXXX  and spoke to the branch manager who informed me he didn't have any information but the money would be returned in 30 days. I expressed my concern and asked if I could at least know the source of the " fraud '' and he said he had no information. II told him it made no sense that they could just take {$5000.00} and not even communicate with me under the guise of " protection '' but her other monies are " unprotected ''. To which the branch manager said there was nothing he could do but " monitor the situation ''. He promised to call me the next day and never did. My mother as of today is XXXX XXXX XXXX and recovering from XXXX XXXX. She has not used her debit card and I have only an ATM card. Neither of us made a {$5000.00} purchase or authorization. Prior to going into the hospital she wrote herself a check for {$10000.00} which she cashed on or about XXXX XXXX. I too have withdwawn that amount on her behalf several times and I must say they always treat me as a poor XXXX woman who is there to steal. I spent over two hours one day just to cash a check for {$13000.00}. They looked at me and treated me like I had no business with that kind of money. They kept sending me from one person to the next, each one ensuring I was facing a camera until finally out of frustration I deposited the check and withdrew XXXX out of the account. This is not the first time this branch and bank has been XXXX XXXX me and my mother. and I believe they are now taking advantage of this elderly XXXX woman and think she is too slow to recognize that they have stolen {$5000.00} from her account and given themselves 30 days to pay it back. I don't see how this is ethical or legal.

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 2019-03-21
Company: EQUIFAX, INC.
State: MO
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:
My problem is with these credit agencies that's reporting unverified accounts without certified physical documentation and not with the creditors themselves inwhom I have no contract with. I have disputed the following accounts a few times but the response of the credit bureaus always account verified. Who and when was these accounts verified, # 1 XXXX XXXX XXXX XXXX, # 2 XXXX XXXX XXXX I'm demanding that the above accounts be blocked immediately and permanently if I'm not provided with certified physical documentation and the Method Of Verification used as stated by the laws of the FCRA . I'm enforcing my rights as an consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 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 2023-02-06
Company: Volvo Car Financial Services U.S., 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:
We leased a new Volvo suv through one of my XXXX in 2018. Every payment was made on time and was auto drafted from our account. The dealership we leased the vehicle through no longer existed when the lease was up. We returned the vehicle to the new dealership in XXXX XXXX as instructed. There were no issues, they said we were good, checked all the boxes, and I signed the paperwork. After I asked about several of the extras we purchased through their lease program that were never delivered to us, and we were told we would have a credit issued to us. Nothing ever happened. 

Unfortunately sometime in the last few months volvo has filed a negative action on my personal credit report for all of {$360.00}. No idea where that came from, especially since they were supposed to owe us money. Now my pristine credit history with exceptional payment history for more than 10+ years looks like I did not make 4 payments on this volvo , and that they charged off the account, even though we paid every payment on time, and returned the car in pristine condition. Furthermore it was leased under my company, not me personally, so why are they putting false info on my credit report? 

I do not see how any company has the power to do this to someone? This is causing me major problems. Any assistance would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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:
Please Place a fraud alert on my credit files I'm a victim of identity Theft someone brought a car under my name this need to be investigated I did not give any consent to any account to be open with out my authorization This Accounts if 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 explanation
Consumer complaint received 2020-11-28
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: VA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received numerous emails from Bank of America. It started at XXXX on XX/XX/2022 with an email stating an online application is in progress with a confirmation number. The another email to verify my email address. Then 2 minutes later I got your application was approved. Your new account is open. Next a welcome to online and mobile banking. Your enrolled in Online banking and mobile banking. Then an email that my email address was updated. And lastly, We're confirming your contact information has been changed. Your address or phone number was changed on XX/XX/2022. I drove to the local branch to ask about all these email 's that I am receiving because I never banked with Bank of America before. Or did I open an account today on XXXX. I was an authorize user years ago on my dad 's credit card. And the name on the account was the same incorrect spelling of my XXXX name that was on a credit card long time ago. Also, I am married now so my last name is no longer exist. I am guessing Bank of America got hacked. I personally don't think someone has all my information. Bank of America confirmed that an account is open in my name under my social security number. I was giving a XXXX XXXX XXXX number to call. I have been on hold for an hour and twelve minutes to get the wrong department. Now I am on hold again. Finally got a representative who started a claim. Next step is to do a security freeze on all three credit bureau. The representative claims the account was closed.

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 2019-10-23
Company: ACS Education Services
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Timeline : XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX ) to ACS. 
XX/XX/XXXX - letter from ACS that deferment processed on my loan through XX/XX/XXXX. 
End of XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX ) to ACS. 
XX/XX/XXXX - letter from ACS that I needed to correct the start date on the form I sent for deferment. 
XX/XX/XXXX - faxed and mailed to ACS updated request for cancellation form along with letter from office manager at XXXX stating I had been continually employed and correcting the start date in writing, received fax confirmation. 
End of XX/XX/XXXX - my Perkins loan is transferred to Conduent. 
XX/XX/XXXX - letter from Conduent that my deferment status will expire on XX/XX/XXXX with no mention of the current balance or any problem with the loan. 
XX/XX/XXXX - Conduent reflects that the current balance on my loan is {$3400.00} and that my " Pay Off '' is good through XX/XX/XXXX. 
XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX XXXX ) to Conduent. 
XX/XX/XXXX - letter from XXXX informing me that my Perkins loan has been transferred to them. 
Beginning of XX/XX/XXXX - sent request for cancellation form to XXXX along with prior documentation of every request for cancellation form I'd sent to Conduent and ACS because the balance XXXX reflected on my account is still {$3400.00}. 
XX/XX/XXXX - XXXX sent me an email that they were denying my old documentation. 

There has never been any indication of a problem with my paperwork or my account in the past, other than the one time in XX/XX/XXXX that I corrected. I have been working as a registered nurse the entire time my loan has been in repayment and I have diligently completed the paperwork for deferment. I am entitled to have this loan forgiven. My deferment has clearly been processed because my account has never been delinquent and the pay off date has been extended, yet the balance still sits at {$3400.00}. When Conduent transferred my loan to XXXX they blocked me from accessing my account further so I can't reach out to them to resolve this issue. I need Conduent and XXXX to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I was part of a lawsuit against Capital One for there criminal conduct in regards to repossessions. they where to remove the delinquent status of the loan and repair the damage that resulted from " default '' status of the loan. The defaulted status has been removed but they also removed everything from my credit record meaning my credit score is now non existent which creates a problem when applying for loans. when i look on credit services such as XXXX XXXX they show some credit but when a company searches my history is does not " exist ''. I need to find out why my credit history was completely wiped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I accepted and cashed a check mailed to me from Tower Loan in XXXX, IL in the amount of {$4000.00}. On XX/XX/XXXX, I went into the office located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and I made my first payment, via cashier 's check, in the amount of {$300.00}. 
On XX/XX/XXXX, I went into the office located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and I paid, via cashier 's check, the remaining balance of the loan IN FULL an amount of {$3900.00}. 
Now I receive calls from Tower Loan daily. They have called relatives, friends, neighbors, and associates to collect a debt that is already paid. I have made copies of all my documentation and receipts and mailed them copies via certified mail. I have let them know I do not owe any debt and also that if there is any discrepancy to please send documentation via mail. They have not done so as of XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation