BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XX/XX/XXXX, I established banking relationship with TD bank in XXXX XXXX, FL ( branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). I opened a checking account type 'TD Beyond Checking ' and enrolled in the cash bonus reward promotion program. The program has no promo code required at the time of the opening, I simply research this program on TD bank website and see which option is fit to my financial situation. The individual banker who opened named XXXX XXXX, position Customer Service Representative, XXXX ID # XXXX confirmed that the account was opened and enrolled in the this particular cash bonus promotion. 
This promotion requirements are : 1. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD XXXX XXXX account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. 
2. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. 
XXXX. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. 
XXXX. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. 

On XXXX XX/XX/XXXX, I made a first direct deposit of {$1300.00} into the account. 

On XXXX XX/XX/XXXX, I made a second direct deposit of {$1400.00} into the account. At this point I had {$2800.00} into the account which meet thus first criteria. 

Then, I was expecting the latest earning date of XXXX XX/XX/XXXX for the {$300.00} which is more than 140 days as stated in the criteria. 

However, I did not receive anything after the above date. Thus, I called the bank to see what is problem. The representative sent an email to Marketing and Promotion department for my case. I still did not hear anything back, neither an email nor a phone call from this bank, for my case after almost two months. I called them today and received the answer that My account was not qualified because I did not have a directly specific promotion flyer that was issued in my name and sent to my mailbox at the time opening '. This answer is completely untrue because there is no such criteria as this in the requirements that posted on TD Bank website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  new york XXXX is committing illegal fraudulent activity against a XXXX person and veteran and I demand immediate action by the cfpb and new York and florida attorney generals offices. 
sunrise credit services in cooperation with XXXX XXXX OF XXXX illegally and unethically placed a false fraudulent item on my credit report for money i DO NOT owe and have never owed. they did this illegally and unethical I AM A XXXX VETERAN AND DO NOT OWE XXXX OR THIS DIRTY EVIL SATANIC XXXX XXXX ANY MONEY! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY!! I HAVE REPORTED XXXX AND ALL THREE OF THE CREDIT BUREAUS TO THE XXXX XXXX XXXX THE FLORIDA AND NY ATTORNEY XXXX OFFICES AND THE XXXX FOR FRAUD AND ILLEGAL ACTIVITY!! REMOVE THIS DAMNED COLLECTION ACCOUNT IMMEDIATELY OFF ALL THREE CREDIT BUREAUS OR I WILL SUE XXXX AND XXXX FOR CAUSING ME PAIN SUFFERING AND EMOTIONAL DISTRESS AND RUINING MY CREDIT!! I HAVE FIELD COMPLAINTS WITH LAW ENFORCEMENT AGAINST XXXX XXXX XXXX AND 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 2019-08-21
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was to receive a social security XXXX back pay check and the bank account information that was on my application was with my ex husband and closed/charged off. the social security office told me that since it was closed it would be rejected and bounce back to them then it would take a few more days but they would send me a paper check. 
My local branch would not except it so the XXXX  XXXX branch took it upon themselves to and when they did they force reopened the account and took the money they were owed then turned around and told me that their back office said standard practice was to send a check for the remaining amount of money to the primary account holder. So they took my Government XXXX check took all my information that it came in off and sent it to my ex husband at an address that was never even on the account. They also told me they didn't know where the transfer came from because it only had my social security number on it and that's a lie I have a print out from my branch and it says SSA TREAS XXXX XXXXSOC SEC XXXXthe last 4 numbers of my social security number then SSA. I tried talking to the Assistant MGR her name was XXXX XXXX and the Branch MGR XXXX XXXX they told me it was my responsibility to get my ex husband to give it to me willingly??? 
XXXX XXXX XXXX XXXX XXXXt. XXXX Pa branch phone number XXXX XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: HI
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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:
XXXX XXXX auto leasing company is still consistently reporting a NON COLLECTABLE debt on my credit report. They have called me leaving me messages to call them to settle this debt. I have voluntarily surrendered the vehicle in good condition. Please remove this from my credit report immediately

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 2022-07-18
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-10-24
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 is missing that should be on the report

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 1 ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX XXXXE # XXXX XXXX ) XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) BANK XXXX XXXX # Unknow XXXX ) XXXXXXXX  # XXXX XXXX ) XXXX  # XXXX XXXX ) XXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2022-07-18
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: Their investigation did not fix an error on your report

Complaint:
I forwarded a letter to the 3 Credit Bureaus dated XX/XX/XXXX to correct these suspicious pieces of information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
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 information incorrect

Complaint:
Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

Experian {$35000.00} Exquifax {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave EXPERIAN, XXXX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction

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 2016-04-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. This DEMAND of documents letter was sent to Experian by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.

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 2022-07-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to the company to see if I can apply for the forbearance plan. They told me that I have 2 send my 2 most recent pay stubs and my bank statements. I ask them why I need it to do all that when I have friends and family members where they helped them without any hassle. I have a second mortgage and they did help me twice without the need of my pay stubs or bank statements. They send me a copy with pictures of my home and houses around the area of what they are worth. I called them and asked them what this was about and I felt like I did not get a correct answer. I feel like that's kind off creepy and weird of them doing that. I feel like they are trying to intimidate me on foreclosuring my house. I have reached out to my case XXXX and have not heard from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a Bank of America cash rewards business credit card. The card had accrued around {$160.00} in cash rewards. The bank decided to close my credit card XXXX 2016 and has refused to pay me the {$160.00} in rewards earned. I have spoke with Bank of America customer service and wriiten to the BBB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: VA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$2000.00} FXXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance XXXX {$35.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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:
I have recently requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency responded stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within XXXX days or delete the negative items, as originally requested. 

Below are the items that do not belong to me that you continue to report illegally. 

XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXXXXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately.

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 2021-02-10
Company: EQUIFAX, INC.
State: TX
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 have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items. 
I expect all items to be deleted as the credit bureaus are non- compliant and now in violation.

Company response to consumer: Closed with explanation