BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Sunday XXXX XXXX 2017 I walked into a TD Bank in XXXX N.J. to deposit a check that I was suspicious about its authenticity.The funds were sent to me by someone posing to buy something from me online and I was sent the movers money as well to pass on. I informed the teller that I was suspicious about the check and wanted to know when I can be sure the check was authentic before using the funds. The teller informed me that the check will take 2 days to clear and by Tuesday I should check to see if its still pending. Once the check is n't pending and the funds have been added to the account I can be sure the check was legit and cleared. I deposited part of the check and cashed the remainder and waited till Tuesday to use the funds.On Tuesday morning I checked and the check was no longer pending and the funds were safely in my account. I took the funds and sent them to the supposed mover. On Wednesday, I see that the amount for the check had been taken out of my account. Upon contacting the bank I was informed that the check had insufficient funds and the bank took out money from my account in the amount of the check.Basically I had been scammed.
I was shocked as I had suspected this may have been the case and deliberately asked the bank how to proceed.I followed the exact instructions given to me by the bank. The bank refuses to take any responsibility and insists that its my issue. How can I protect my own money when the bank helps the scammers and could care less about their own costumers? How was I to know not to trust the bank teller? How come there 's no laws protecting consumers from the banks mistakes?
I went back to the bank and videoed myself asking the bank teller the question again.I asked the question to 3 different tellers, receiving the identical answer. They assured me I have nothing to worry about once the check clears and funds have been permanently added to the account. I tried to enclose the video below, however the size was too big to upload. I 'm going to attempt to post it online wherever possible, in an attempt for the truth to get out, if there 's still someone left with some sort of honest conscious, someone who realizes there 's more to life than getting away with someone else 's money.
Its frightening to see how little the bank cares about you, the very institution who you trust your money with and is supposed to be helping you.Its 2017, and our country has laws protecting animals, plants, and ancient buildings, but cant get they 're act together to help people being bullied and taken advantage of by financial institutions. And lastly, its sad to see how when the bank helps lose your money, no one gives a XXXX, but if the bank loses a dime, they 'll turn the world over. Its time for either a class action lawsuit or a politician that actually cares to make noise and put an end to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2022 I wrote All three credit reporting bureaus ( EXPERIAN, XXXX, XXXX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.

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 2017-11-02
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a letter from Central Credit Services, LLC stating that I owe XXXX XXXX  {$120.00}. I called XXXX XXXX and was told that I had forgotten to return a power cord for the XXXX XXXX XXXX. I was told by the representative to return the equipment and they would credit the account. I returned the power cord through XXXX on XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX ( employee ID # XXXX ) at XXXX XXXX. After an hour and a half on the phone with him trying to figure out where the ball was dropped, XXXX spoke to his managers and found the returned equipment via the XXXX tracking number that I was given. XXXX spoke with the financial representatives at XXXX XXXX who said they would contact XXXX XXXX XXXX, XXXX " at their convenience '' to let them know the debt was settled. I sent a dispute letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX via certified mail and received a receipt that it was delivered and signed for on XX/XX/XXXX. I received phone calls/messages on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX, XXXX about this debt after I had sent the dispute letter. I called and left a message for XXXX XXXX XXXX, XXXX on XX/XX/XXXX that they were not allowed to contact me about this debt, and they need to contact XXXX XXXX. I received correspondence from XXXX XXXX XXXX, XXXX with a statement date of XX/XX/XXXX stating I still owe the {$120.00} even though the last few pages XXXX XXXX XXXX, XXXX sent me from XXXX XXXX clearly state that my balance is {$0.00} as of XX/XX/XXXX.  The balance was a " non payment partial write off '' on the bill for returned equipment. Now I 'm not sure if XXXX XXXX has even contacted XXXX XXXX XXXX, XXXX about the resolution of this debt. They can be quite a difficult company to work with. Also in the paperwork from XXXX XXXX XXXX, XXXX on XX/XX/XXXX was a bill dated XX/XX/XXXX from XXXX XXXX for {$120.00} with a due date of XX/XX/XXXX. The initial correspondence from XXXX XXXX XXXX, XXXX was dated XX/XX/XXXX which was before the XX/XX/XXXX due date. I had called XXXX XXXX in XX/XX/XXXX and given them our new home address. All of the bills were being sent to our old address even after I notified the company of the address change. This complaint is first with XXXX XXXX and second with XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been successful in removing some accounts from SCA collections off of my credit report due to HIPPA violations but other accounts remain from the same creditor. XX/XX/XXXX an account was removed due to HIPPA violations but recently other accounts have been updated. 

The information is very inconsistent and unreliable. This is causing adverse effects to me obtaining credit. The same account number shows as deleted and then it also shows as updated on the same 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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 paid XXXX XXXX off. Its showing paid off on my credit but they wont remove it

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 2022-08-11
Company: EQUIFAX, INC.
State: PA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX Opt-Out Form Confirmation XXXX Thank you for your interest in the XXXX information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from XXXX products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and XXXX will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to XXXX products in the future. If you become aware that your personal information is available through XXXX publicly facing products in the future, please notify the XXXX XXXX XXXX and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the XXXX XXXX Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records

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 2021-09-14
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:
I have contacted the credit bureaus as well as XXXX  XXXX XXXX to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. Thank you.

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 2019-04-15
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: Account status incorrect

Complaint:
I had a charged off account ( personal loan ) with XXXX XXXX, I settled it in full with the collection agency XX/XX/XXXX. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XX/XX/XXXX XXXX XXXX bank has once again reported this account to the credit bureaus as a negative, unpaid account with a balance XXXX owed. Why are the continuously reporting a closed paid account every month?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account with Citizens Bank online after discovering a sign on bonus of {$300.00}. The criteria- one {$500.00} deposit within 60 days of opening. 
Opened the account with the {$10.00} minimum deposit amount XX/XX/21 On XX/XX/21deposited {$500.00}. 
Since then- Ive had amounts from $ XXXX direct deposited into the acct. 
I have called several times recently and can not seem to get a person. Only an automated system when dialing the contact us number provided on the Citizens website. 
I was thinking of completely switching over from my main bank but I have reconsidered. 
It says I shouldve received the bonus within 90 days of my qualifying deposit. That wouldve been XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15
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:
XXXX  keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX mort

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 2019-04-15
Company: EQUIFAX, 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:
XXXX keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Equifax mort

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
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:
transunon keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: PRESTIGE FINANCIAL SERVICES 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 information incorrect

Complaint:
On XX/XX/2022, I viewed my Consumer report and I noticed that the information from my auto loan from Prestige Financial is reporting across the Credit Reporting Agencies is inaccurate. Under the FCRA the law states the following. 

623 - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: MD
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:
MY Personal information is not correct on my credit report!! I have contact the bureaus about this issue and nothing have been done... According to FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file ofthe consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/XXXXPurchased mattress and mattress cover from XXXX XXXX XXXX  XXXX AL.XX/XX/XXXX Called XXXX XXXX XXXX to Pick Up and Return Misrepresented Items Sold to Me. Called XXXX and XXXX XXXX to Advise of Return and Credit to Accounts. XXXX entered a dispute claim and has subsequently credited my account for the taxes and delivery fees charged. XXXX has not credited my account despite adamant assurances by representative XXXX that my account balance was showing a {$0.00} balance ; that XXXX had no pending charges to my account ; nor any authorizations for charges by XXXX XXXX XXXX or any others to my account ; and, that no charges could be placed on my account once I authorized my account to be closed that evening as she recommended ( Note : My account is not showing that account was closed at my request, just that it was closed!!! )XX/XX/XXXX XXXX XXXX XXXX XXXX Driver Picked Up Misrepresented Items for return after I waited all day for them, because they do not provide a specific pick up time frame -- inconsiderate and inconveniencing the customer with their XXXX open pick up time.
XX/XX/XXXXXXXX XXXX Charged My Account for XXXX XXXX XXXX Items returned onXX/XX/XXXX, despite assurances otherwise. Balance owed of {$1400.00} showing up on Experian, not XXXX or XXXX. This has caused an adverse effect on my previously excellent credit scores and reports.
I am requesting that this balance due be corrected to reflect a XXXX  balance at XXXX XXXX, Experian, XXXX, and XXXX for the returned items that were misrepresented to me by XXXX XXXX XXXX ; and that my credit scores be returned or elevated back to their high and excellent levels prior to this deceptive situation ; and, that updated reports from all reporting agencies be sent to me and others accessing my reports within this time frame.
I also want to make other consumers aware ( Buyers Beware ) of the deceptive non-return policy of XXXX XXXX XXXX XXXX not wanting to pick up merchandise for 30 days ; the misrepresentation of the contents and feel of their merchandise in the store vs what is received. Also, the inaccuracies and untruths told by representatives at XXXX XXXX ; and the inaccurate reporting by Experian Credit Reporting Agency.
Your very prompt attention and cooperation in all these matters is most appreciated.
Sincerely, 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me, the amount listed is {$120.00} by the account holder. 
XXXX XXXX and XXXX XXXX. There's no address listed for this company and it was sued as a fraudulent debt collector. There's no information listed on credit, they have denied validating or verification and its past the 30 days.

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 2022-03-10
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX, VA XXXX ; XXXX BANK XXXX Balance {$0.00} are reporting on my personal credit file with ( EquifaxXXXX XXXX credit reporting agency. These inaccurate address and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

Company response to consumer: Closed with explanation