BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TD Bank completely misled me into opening a checking account with them and depositing money into their bank. 

In XX/XX/2018, TD Bank advertised the following requirements to earn a {$300.00} dollar bonus : 1. New customers open a TD Premier checking account online 2. Receive direct deposits of {$2500.00} within 60 days of account opening 3. Earn  {$300.00} posted to the account within 95 days I met the above requirements for the {$300.00} bonus, yet TD Bank has not posted the bonus to my account. After I complained that the bonus should have been posted by XX/XX/2018, a TD bank representative said the bonus should post during the next fulfillment cycle no later than XX/XX/2018. To date and 148 days later, no bonus has been posted to my account. 

Attachments are provided showing : ( 1 ) Terms of the offer ( 2 ) That I opened a TD Premier checking account on XX/XX/2018 ( 3 ) That I posted more than {$2500.00} in direct deposits within 60 days of account opening ( 4 ) That I was told by XXXX XXXX, a CSR for TD Bank, that my bonus would post during the next fulfillment cycle in 2-3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
It was too easy to get a loan that I did not want. I clicked a button and suddenly I had a loan, I was only shopping for rates. Now, they sent the money to my creditors and I have to chase around to get the money back even though they say I have 5 days I was told it was too late on the day I was notified it was send. So shady, it seemed like I was just checking rates but now I have to get the money back. Furious! 

I keep asking them to remove the funds from my account and they don't. They are waiting for the time period to lapse so they can charge me the origination fee which is not fair as I am trying to return all their moneys back prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I did a credit card deferral since XX/XX/2021 though XX/XX/2021 ends on XX/XX/2021 and Bank of America closed my account as a wrongful error and the customer service will not help me resolve my issue due to a error on my report and i paid my credit card on XXXX the 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-19
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to ERC several times asking for validation of the debt. They have yet to furnish an agreement between myself and ERC explaining that I owe ERC any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital one will not allow my to release my banking info to third party apps such as XXXX or XXXX. I should be able to release my data to anyone I so choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I had bank of america student checking account long time back and it is already closed in XXXX. I recently tried to open an online checking account and it is showing negative information about my previous Bank of America Checking Account which is wrong ( Please see the attachment. First of all it is showing that my Account was overdrawn on XX/XX/XXXX and pending closed on XX/XX/XXXX when both of these incidences never happened. My account was always current and never overdrawn, secondly my Account is not pending closed as I went to the branch to close it, so I have no idea why it is showing pending closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under CKS PRIME INVESTMENTS LLC and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2022-01-08
Company: Mortgage Research Center, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, We have repeatedly contacted Veterans United home loans for a solution to get back on track. After ending our forebearance because of covid I Called in XXXX of XXXX for a payment plan, was told it was approved by Miss XXXX then never heard back from them about the amount of the payments the terms and when it was to be started. Called 2 weeks later, was told by another representative that it hadnt been approved, that we should do another month of forebearance and call back at the end of XXXX and request a deferral to the end of the loan. Called again and the representative stated only homes that were rentals qualified and that we qualified for a no doc option to finance the late payments and would be caught up, she supposedly submitted that option and said we needed to call back in a week or so to check. Called again and was told we were still waiting and to call back in a week or so, called back spoke to a representative named XXXX who stated the paperwork hadnt been submitted and that it was veterans Uniteds fault and now we needed to apply for a loan modification. After calling back yet again, we spoke to a miss XXXX who said we need to submit a hardship form and paystubs, she assured us that it would be ok. I called again and spoke to a miss XXXX who said we hadnt submitted documents needed and she submitted the no documentation loan modification as of today, she advised me to resubmit all the docs requested for the loan modification with our loan number to XXXX which I have now done twice. I was also told that back in XXXX a payment plan was approved but we couldnt use that option because we hadnt paid.again referring back to me calling in but never received any payment information-amount or when or termshow are we supposed to pay something we were never informed about. We beg you to please investigate this issue and allow us to have a repayment plan that we know the payment amount and dates, or deferral to the end of the loan, or an approval for the no documentation loan modification. We are desperate and the ball was dropped by veterans United home loans. We want to keep our home, we have the means to start paying but this mess has prevented it from happening.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: MI
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 written to the credit bureaus twice regarding their investigation into certain accounts that are reflecting inaccurately on my credit report. Despite my repeated requests, the credit bureaus have failed to provide supporting documentation or respond to my disputes in a timely manner. 

As per the FCRA, credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. If the credit bureaus are unable to verify the accuracy of the information, they must remove it from the consumer 's credit report. 

In my case, the credit bureaus have not provided any supporting documentation such as a contract, ID, signature, or any other evidence to support the accuracy of the information on my credit report. Furthermore, it has been over 30 days since my last written dispute and the inaccuracies still reflect on my credit report. 

I am writing to request that the Consumer Financial Protection Bureau take immediate action to ensure that the credit bureaus comply with the FCRA and remove the inaccuracies from my credit report. If the credit bureaus continue to violate the FCRA, I will have no choice but to move forward with civil action to protect my rights as a consumer. 

I appreciate your time and attention to this matter and look forward to your prompt resolution of this issue. Please let me know if you need any additional information or documentation from my side.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act Account # XXXX with XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX. XXXX, XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX, XXXX I sent XXXX a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because XXXX sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of XXXX removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX NC XXXX. The addresses that follow do not belong to me XXXX XXXX CT, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted an affidavit and dispute forms, I have been ACCUSED of using a credit repair company. I am already battling with these INACCURATE items that were put on my credit report. These accounts were clearly opened while i was XXXX. There was a security breach. I demand these fraudulent accounts be removed from my credit report within 30 days. I expect a response about my claim in 10 days. If I dont have a response in 10 days, i will be filing a complaint with The office of the Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage about {$14000.00} as a result of being physically XXXX when I was a victim of attack in my home. I filed bankruptcy in 2019 and got behind on my monthly payments agreed in bankruptcy. I had a few retuned payments and now they are only accepting certified checks. I cant make a payment because I am homebound and even have trouble getting to appointments. I am requesting an accommodation for my physical XXXX to be able to make payments online or by phone. 

Also, I want any assistance available to physically XXXX individuals who are facing foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan process was a disaster and took almost two months. I was told numerous times they didn't do certain things with the courts in response to getting a letters stating that my account was current, only to forward them the emails from the courts saying they just 10 minutes ago did it with the same company. Had i not been persistent we wouldn't have ever gotten to the close. Horrible service. I closed over two weeks ago and based on our contract that we both signed the loan was supposed to be paid off to my current mortgage company by the XXXX. It is now the XXXX and i just called and sat on hold with rocket mortgage for over an hour and a half with no answer. I called them back only to find out they aren't open anymore. I have accrued interest during this period and I had to call them once i realized the issue. How they miss not paying off my loan but create and account for me to pay is beyond me. DONT EVER USE ROCKET MORTGAGE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of Inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am disputing inaccurate and unverified information being reported by TransUnion regarding an alleged debt from XXXX XXXX XXXX XXXX for a XXXX XXXX account XXXX TransUnion claims to have validated this debt ; however, they failed to provide the key detail of the original XX/XX/2013 open date in the documentation I received. 

This origination date was provided by XXXX in CFPB case XXXX ( see attached letter ), but was never disclosed in XXXX 's previous dispute responses for XXXX earlier CFPB cases : # XXXX, # XXXX, # XXXX, and # XXXX. The attached letter is what this debt collector keeps providing, but this letter shows new information that has NEVER been provided before and that is the originated date. Where is this date from, and where is my signature agreeing to this date? 

Despite multiple disputes, TransUnion continues to report this debt without verifying the accuracy of this debt collector 's debt and not providing documents on how the originated date of XX/XX/2013 came from, with my signature agreeing to this so-called date. This represents a failure to reinvestigate disputed information under the Fair Credit Reporting Act reasonably. 
By persisting in reporting this unverified, inaccurate debt information, TransUnion is in violation of the FCRA provisions regarding negligent or willful noncompliance for failure to conduct reasonable reinvestigation and to remove disputed information that can not be verified.

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