BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I previously placed an extended fraud alert on my credit file with the three national credit bureaus because I was the victim of identity fraud. On XX/XX/2020 I applied online to purchase a new XXXX XXXX phone from XXXX. They redirected me to TD Bank 's website which handles their credit. I applied for credit with TD bank and was told to call a telephone number which I did. I spoke to a TD Bank representative who asked me a few questions and then indicated that my request for credit was denied and I would receive a letter in a few days. I received the letter around XX/XX/2020 and I am uploading it with this complaint. The letter indicated that I should call or apply online for another letter which would explain why my application was denied. I applied for this second letter ( the " denial reason letter '' ) both in writing via email and by calling the toll free number in the first letter. I did that on XX/XX/2020, the same day I received the first letter. I've called now at least four times and the representative keeps saying that they'll investigate and get back to me but I've never received any return call from them. I spoke to a supervisor who said that because of my extended fraud alert, they use some outside service, whose name she would not disclose to provide information that they use to determine whether or not to grant credit and that, based on the information from this secret outside service, they chose to deny credit. I believe that the information that this secret service provided falls under the definition of " consumer report '' as defined in 15 USC 1681a ( d ) ( 1 ) since it is information " bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility '' for personal credit. I believe, therefore, that this secret organization falls under the definition of " consumer reporting agency '' as defined in 15 USC 1681a ( f ). This secret organization obviously has incorrect information but I don't know who they are so I can't help them correct the misinformation. I believe that I am entitled to know who they are under 15 USC 1681m ( a ) ( 3 ) ( A ). In addition, I am entitled to receive the information required 15 USC 1681m ( b ) ( 2 ) ( A ) ( I ) if the secret organization is deemed by you not to be a consumer reporting agency. I have literally spent hours on the phone with TD Bank but no one will answer my questions or call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: CA
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:
ACCT # XXXX XXXX XXXX XXXX, was Disputed with EXPERIAN XXXX XXXX , and XXXX through CFPB and only DELETED by XXXX on XX/XX/2020 File Number XXXX. I believe EXPERIAN AND XXXX are in violation of the Fair Debt Collection Act, this is harming me by not accurately verifying and deleting this account.

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 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm just attempting to find out if I have a credit freeze since when I attempted to get a replacement Social Security Care, the Customer Service rep at Social Security said that the reason that I could not order a replacement card online was because I had a credit freeze on my XXXX account. 

I called XXXX. After giving them an amazing amount of personal information, they said that I did not have a credit freeze active. 

I then called XXXX. I could never get out of their automated answering service. 

I finally called Trans Union. After a while, a person - who had a limited command of the English language - answered, and after I had again given TOO MUCH personal information to, told me that I could not find out whether or not I had a credit freeze. 

All in all, this experience has been totally useless. If I have any way of doing so - and I am going to try to find out how - I will remove all my information from all of these organizations and never allow them to use my information for their PROFIT again.

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 2017-12-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX, debit card number XXXX, XXXX, the entire time I have had this account, I have experienced some problem. I asked for an internal investigation concerning XXXX, my insurance company. They were debiting my account premature the scheduled date. After XXXX messed up my account, the bank added fees and I could not recover this mess up. 

Then I received a letter from a company called XXXX XXXX out of XXXX, WA XXXX Stating they were the collection agency, account # XXXX, XXXX Account # XXXX, I contacted the BBB to see if they were legit, and no information was found. Please I feel this incident was a diversion to gain access to my bank account. I notices may time from the library, where the computer was stored, stating my account information was compromised. I would like to thank you in advance for your prompt attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Westlake Services, LLC
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: Problem with personal statement of dispute

Complaint:
The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Santander Consumer USA 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: Problem with personal statement of dispute

Complaint:
The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Currently on my TransUnion credit report ( file ) shows that I have one ( 1 ) account as ever being late, and after reviewing my credit report ( file ), nothing reflects that I have any accounts as ever being late. If TransUnion can not identify any account as ever being late, provide a correct reporting to reflect that no accounts are late.

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 2020-10-10
Company: DISCOVER BANK
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:
XXXX  XXXX account have 2 late payments reporting and I've never been late on any of my XXXX XXXX   accounts and I have 4. It is showing XX/XX/2018 and XX/XX/2018. I need these late payments removed immediately because it is inaccurate and I've spoken to them and they would not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These companies Transunion, XXXX, XXXX Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless

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 2021-02-22
Company: AMERICAN HONDA FINANCE CORP
State: VA
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:
Dear Sir/Madam, I purchased a brand-new 2020  Honda XXXX  from Honda of XXXX on XX/XX/2020 and I am currently financing through XXXX XXXX XXXX Upon checking my XXXX  credit report ; I discovered that on XX/XX/2020, there were 4-different HARD INQUIRIES made by 4-different auto financial companies which I did not authorize Honda of XXXX  to proceed with. The following are the companies that appear to have made the hard inquiry according to XXXX : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. AMERICAN HONDA 4. XXXX XXXX I would appreciate your prompt response in addressing this discrepancy that Honda of Chantilly made under my name. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXXXXXX XXXX 5 accounts are reporting inaccurately. 
The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX and was paid, closed, never late. 
XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.

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 2019-01-29
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My social security number was used to open a XXXX XXXX account in XX/XX/XXXX, using a different lat name than mine. XXXX  put the account to collections with XXXX XXXX XXXX ( ERC ). 

After finding the item on my credit report in XX/XX/XXXX, I filed an identity fraud claim with XXXX, including a fraud affidavit, bank statements from XX/XX/XXXX, and my driver 's license. 

XXXX  confirmed in writing that this was identity fraud later in XX/XX/XXXX. 

I contacted ERC and they agreed that the report was in error and said it would be removed from my credit report within 45 days. 

It has been 4 months the item is still on my XXXX  and XXXX XXXX credit reports and substantially affecting my ability to get credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: United Shore Financial Services, LLC
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:
Have a mortgage with XXXX XXXX XXXX XXXX - XXXX - Loan # XXXX. 

We have been given false and misleading promises that if we paid the mortgage on that day I spoke with a gentleman with ID # XXXX  on or around XX/XX/XXXX that it would not go to the credit report as a late payment. They have also stated that the call has been recorded. 

I called back after finding out that it has been reported to the credit bureaus as a late payment with XXXX # XXXX and she informed me there is nothing they can do to remove the late payment and on the meantime it's damaging me. 

XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm complaining against XXXX XXXX XXXX and XXXX XXXX of Carrington Mortgage Services. It started with XXXX XXXX telling me that he will get me the 3.25 % interest rate but forgetting to mention that I have to pay for it through points. When I talked to him about it, he said he will fix it. Then, when we were about to close he told me that he can't do anything about it. He said that I can deduct it in my income tax at the end of the year anyway. Then he pressured me to decide the same day or I won't be able to close the following Monday. In spite of the rush, I still was not able to close the following Monday. It was moved to Tuesday so what they told me was a lie. Then, on the signing of the documents, the notary noticed that there is no document to sign the release of my cash out. When I emailed both XXXX XXXX and XXXX XXXX, XXXX said that if I did not sign any documents about the release of funds, they can't do anything about it. Though there was nothing to sign in the first place. The notary double and triple checked the documents. I told them I'm going to file a complaint against them about this since the documents that I need to sign came from them. They were so unprofessional. I hope I still get my cash out because my next step would be to sue them for breach of contract if they don't release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Tried to send XXXX Plus a service fee of XXXX to a very deserving hospital patient. Money transaction was blocked for some unknown reason. Firm has not returned debit card deduction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Yamaha Motor Finance Corporation USA
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:
Never had Yamaha finance .... signed contracts with XXXX XXXX and paid the account off in full XX/XX/2020. However, Yamaha motor finance is reporting 90 days late. This account needs to be deleted from XXXX, XXXX, and XXXX immediately. Attempted numerous times to dispute through credit reporting agencies to no result. This is the last attempt for correction before I pursue legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
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 filed a dispute with the 3 credit bureaus asking them to provide verification on accounts on my credit under the fair credit reporting act 15 u.s.c 1681 section 609 ( a ) ( 1 ) ( a ). And to remove them if they can not send me verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: MS
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:
I have sent in disputes to XXXX, Experian, and XXXX about these fraudulent inquiries on my report. XXXX keeps informing me about their policies and stating that they can not remove fraudulent accounts unless I contact the creditor. The point is that I have never contacted these creditors for an account in the first place. I also think that since they wish to continue reporting these inquiries as they are unlawful, they should pay the {$1000.00} per violation according to the following guidelines in the FCRA : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 Section A. States I have the right to privacy 15 U.S.C 1681n ( a ) ( 1 ) 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} ; I want {$1000.00} per violation.

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 2018-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-07
Company: ORG GC GP Buyer, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XX/XX/2017, I had opened a wireless contract with XXXX XXXX. My bill was suppose to be {$100.00} a month. But when my bill was due, it was over {$100.00} a month. And when I bought the phones from XXXX, they was junk and didn't get good reception. Also the phones would freeze up and the XXXX XXXX store would crash. XXXX placed it in collections with an amount owed almost {$500.00}. They charged me a cancellation fee for their service. They will not adjust the bill like I asked. Even when I did make payments, it would go up even higher. So I would like to file a claim if they cant adjust it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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 2018-04-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In the month ofXX/XX/2018I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, XXXX and I visited Equifax still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this, however I have not been successful.

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 2019-03-12
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for Amex Gold card in XX/XX/2018 and was promised to have bonus of XXXX points. I was not told that I was not eligible for receiving the bonus before and after I submitted the application until I checked with customer representative 4 months after. Typically, American Express shows a pop-up to indicate when you arent eligible for a signup bonus. Strangely, even when no pop-up appeared, I still have been arbitrarily denying the bonus by Amex.

Company response to consumer: Closed with explanation