BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: TD BANK US HOLDING COMPANY
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 bank at two national banks, XXXX XXXX XXXX and TD Bank. On XXXX XXXX, 2020 I initiated a funds transfer from my XX/XX/XXXX checking account to my TD savings account using the Bill Pay platform from XXXX. The amount I tried to transfer was {$200.00}. As of today XXXX XXXX XXXX, XX/XX/XXXX ), the funds have not been deposited into my savings account and TD has no record of this transaction. Although previous transfers using the Bill Pay apparatus has been successful, both banks deny responsibility for the disappearance of these funds. I have attached three proofs of payment from XXXX and two confirmations of deposits form my TD savings account. After hours of being placed on hold only to either be disconnected or shuffled among countless departments no one had answers. Finally, XXXX 's Online Bill Pay Claims Rep told me it may very well mean that the funds won't be recovered and I will lose the {$200.00}. They have done all they are going to do at this time. 
I find this unacceptable and fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
US DEPARTMENT OF EDUCATION SHOWS A BALANCE AND IT IS A POSITIVE PAID IN FULL ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been trying to fix these errors with the credit bureaus but they have not been helpful. please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid this off and the XXXX XXXX came out of no were and it’s hurting my score and it needs to be took off so my scope can be fixed it’s was thru speedy cash

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX has been lowering my score for the last month and a half. It has dropped nearly 50 points and the only changes being made are the balances decreasing. There have been no negative changes, WHATSOEVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Oklahoma Student Loan Authority
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was on an ICP working towards loan forgiveness when I lost my job I called and was advised to switch to a financial hardship plan, which I did ... 
What I did NOT KNOW was that this would halt all of my payments moving towards loan forgiveness, when I discovered this, I switched back to the original plan, setting me back about 12yrs towards loan forgiveness, causing me to have to start all over again. All under THEIR GUIDANCE & SUGGESTIONS- This loan is over 22yrs. I am constantly being given the wrong information. Last month I was told that under the WE CARE act that any payments I make will go towards the principal balance. When I called a week later to discuss how to ask a question about that, they told me that wasnt true, it only goes towards your interest. Then when I pushed further to speak to her superior she told me that I only have 1.5yrs left on the loan. I asked for that to be put in writing with the exact date since everytime I call its different information.Then next day I was informed its 11.5 years. and that they can't put anything in writing. I was also told that there is no incentive for them to work this out with me since its a government loan and they will have to pay it eventually. When I complained to my congresswoman, she said just work towards loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2021-03-27
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am customer of XXXX, XXXX in XXXX  XXXX. Changed my home insurance in XXXX and I received a XXXX dollar check from old insurance which I immediately sent to XXXX to be applied to my escrow account. Instead it was broken up and applied to hazard insurance. As a result my escrow account was low and my mortgage was raised around 65 dollars. This increase is a financial problem for a low income XXXX senior on social security. First I was told they did not get the check and my bank and I had to prove they received it. I called many times, sat on hold for hours, spoke to XXXX, XXXX, and last week XXXX who hung up on me. I was told by all three and several more that they more doing a TICKET and the money would be put in the proper escrow account. Then I was told on XX/XX/2021 that they never received my XXXX payment even though I emailed them a copy of the check to the address they gave me. Then I was told the check had to be used to pay for XXXX 's payment. Of course I paid XXXX XXXX mortgage payment. This company will ruin my credit rating which is over XXXX as I try to figure out how to eliminate this company from my life. I am never late and I never have a late fee from anyone.

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 2020-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX   XXXX  # XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 2021-01-24
Company: SYNCHRONY FINANCIAL
State: MA
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:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Transunion will not delete these fraudulent account off my credit profile, they claim they are verified that is wrong. I filled a report with the local police and sent it to them asking for an investigation, along with a letter stating they were fraud. They will not properly investigate, they keep sending me notices saying they will not remove them because they think the account is mine, they use stall tactics when I ask them to see proof of the accounts that belong to me, they can not send me proof. They violate my rights under fcra.

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 2020-10-24
Company: EQUIFAX, INC.
State: SC
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. 
IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
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 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, I entered into an agreement with a website builder, to have a XXXX website built and delivered to me by XX/XX/XXXX. I made two payments with my TD Bank XXXX credit card for a total of {$1100.00}. After I made my final payment, and the site was partially turned over to me aroundXX/XX/XXXX, I realized that the site built was not the site I contracted for, per the written agreement with the website builder. I emailed to the Website builder that I did not receive the site that was contracted to be built, in the time frame that was specified in the contract. I requested to cancel the agreement and receive a refund, as the site built did not meet my needs. I was unable to use the website, and faced the added expense of building a XXXX  website, at an additional cost. The website builder in his reply email, acknowledge that he had built a site that he was not contracted to build, but refused to return my {$1100.00}. I filed a claim with TD Bank XXXX department. OnXX/XX/XXXX, I sent TD Bank all of the evidence to support my claim and they issued me a provisional credit of {$1100.00}. On XX/XX/XXXX, TD Bank sent me a response from the website builder and asked me to provide further information that the site built was not per our agreement. I had already provided all of this information in my initial package I sent to TD Bank. They requested that my response should be byXX/XX/XXXX. This second request from TD Bank was not dated, but there was a postmark date on the envelope of XX/XX/XXXX. I received the letter late evening of XX/XX/XXXX. I called TD BANK on the morning ofXX/XX/XXXX, to let them know that I was mailing my response back that day, since the letter was received late. The representative advised me to go ahead and mail the information and she would note my account that the letter was received after the deadline date. I also took a copy of the entire package to my local TD Bank branch to be faxed on XX/XX/XXXX.

To my surprise TD Bank had already closed the case on XX/XX/XXXX, even before I had received their request for information. They released the {$1100.00} to the website builder. This information was later verified when I received a statement from TD bank, which indicated that on XX/XX/XXXX they had re-posted the charge of {$1100.00} to my account.

I followed up with certified letters and phone calls to TD Bank, to no avail. In turn they sent me a letter stating that services were provided by the website builder. Which is totally false. I have all of the emails from the website builder acknowledging that the site built was not the agreed upon site. I ended up having to pay {$1100.00} to TD bank plus interest for a site that I was not able to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: MS
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:
There are many mistakes appear in my report without my understanding.

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 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Complaint regarding Capital One - employee ID XXXX and the company in general : On XX/XX/XXXX, I made a credit card payment of {$500.00} to may Capital One credit card ending in XXXX, which was 5 days before my minimum payment of {$250.00} which would have been automatically scheduled to be paid on XX/XX/XXXX. 

After my payment was confirmed as withdrawn from my bank ( XXXX XXXX XXXX account ending in XXXX ), Capital One showed that the payment had officially posted on XX/XX/XXXX. 

At that time, Capital One stated my automatic payments were setup to pull only the minimum amount due on my card. The same page displayed that my minimum amount due on my card was {$0.00} - no payment was due, no minimum payment due. 

On XX/XX/XXXX they still however pulled {$250.00} from my XXXX XXXX XXXX  account ending in XXXX despite saying {$0.00} was due to be pulled. 

When I called, I was referred to a supervisor - ID XXXX. She indicated that there was nothing she could do and that it will always pull automatic payments unless I cancel them directly. I understood this, but told her Capital One showed my minimum payment was {$0.00}. After discussing it further, she said the only way to reverse a payment would be to mail a physical check to me, which could take quite a few days, and this puts me under extreme duress. 

When I mentioned that I know they have the technology to do an ACH reversal to the bank account it was pulled from she acknowledged saying " yes, but this is not our policy ''. 

I then asked if I could talk to any other supervisor who could look into listening to my circumstance as I'm under extreme financial duress and she would not refer me to anyone else, saying she was the manager, and I couldn't talk to anyone else.

I asked if I could have a link for a survey, and she told me that they only send out surveys to random calls, and would not give me any means of submitting any complaint to anyone. 

My only choice has been to submit the complaint here, in hopes that someone can pass this review to Capital One so they can listen to the recorded phone call I made today, XX/XX/XXXX at XXXX Central Time. 

No one offered to look into my situation a little more, or help me reverse a payment any quicker than sending a check, and I felt pressured to get off the phone with no solution. If the recorded phone call is listened to, one can tell I tried to approach this with patience and understanding, but when I don't get anyone who will try to empathize or even give me a chance to submit a complaint, I feel that doesn't meet CFPB guidelines to protect consumers - as there's also no where on Capital One 's website where I can send an email - and I'm resorted to sending a letter by mail because when I call back, I get the same level of management - no one else will pass on my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/XXXX, I applied for a loan modification, just wanted to reduce interest only with XXXX. I was lured to miss a few payments in order to qualify for MOD by XXXX representative ( XXXX ) Unfortunately, I was wrongfully denies for MOD.XX/XX/XXXX. Then I had litigation with XXXX and other defendants. My loan was lost ( broken chain of title ), presumably at XXXX XXXX. Even, I presented all evidences at XXXX County Superior court, the judge XXXX XXXX refused to accept the facts. I think he should move in to live with the bank because he made his ruling so much favor to the bank. XXXX! I am woundering why should the court system even exists from the first place. Then, I already submitted my loan modification again ( I have to starte all over again ) through XXXX XXXX XXXX on XX/XX/XXXX. Now, Nationstar Mortgage , LLC served me a " Trustee sale '' dated XX/XX/XXXX again. This is another violation of XXXX. I would like to let the world know my XXXX suffering and enduring for a very long time.Thank you..

Company response to consumer: Closed with explanation