BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: TD BANK US HOLDING COMPANY
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 am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the XXXX XXXX credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail. Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance. On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX On XX/XX/XXXX I got a response from TD Auto Finance thru the CFPB- with incorrect reasoning of why they wont remove the derogatory reporting ( Completely disregarding the Date stamped Postage Etc. ) The letter was signed by " XXXX - XXXX XXXX XXXX '', with his direct cell phone number XXXX.- where I can call about this complaint, but when I called the phone number XXXX the voice mail says that affective XX/XX/XXXX he no longer works with this division at TD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: OH
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 my XXXX 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, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXX XXXX/202 XXXX XXXXXXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX SVCS XXXX XXXX XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX SVCS XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with Transunion and XXXX  and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit 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 2018-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for a XXXX  credit card in person at a XXXX location in XXXX XXXX on or about XX/XX/2018.Card is managed and issued by Bank of America . I was told by the agent at XXXX that if {$500.00} worth of purchases were made within ninety days of card issuing I would receive a {$150.00} statement credit. I was not aware or told at that time who was the credit card issuer. I did make the required purchases and only received {$75.00} in statement credit. Filed numerous disputes with Bank of America and was told that the card application had to be completed on line. I was NEVER told that by the agent at XXXX as she applied for me and the card was approved. I also received an email several weeks later inviting me to apply for a new card offering the {$150.00} statement credit. Very disappointed with these deceiving practices by either XXXX and/or Bank of America. I want what I was promised regardless of who made the offer.

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 2023-02-11
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:
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 deleted : 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 XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00}

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 2023-02-11
Company: MORGAN STANLEY & CO. LLC
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I contacted ETrade Bank by secure messages, live chat, and phone numerous times already over the past month over this issue, and I still see one of the {$25.00} fees not being reversed, despite their claims otherwise. This is a continuation of a previous case I filed with you ( # XXXX ). 

Facts : On XX/XX/2023 someone hacked into my account and wired out nearly the entire content of it without my consent or authorization, causing also a wire transfer fee to be charged. Note the unauthorized transfers of {$3300.00} and {$25.00} on that day. 

On XX/XX/2023 a previously written check # XXXX in the amount of {$76.00} was posted and was returned for insufficient funds, causing also a fee of {$25.00} to be charged. 

On XX/XX/2023 that fee was reversed. 

On XX/XX/2023 check # XXXX was presented again and paid. 

On XX/XX/2023 the fraudulent transfer of {$3300.00} was reversed and credited back to the account. 

However, the wire transfer fee of {$25.00} was not reversed and credited back at that time. And it was still not refunded until this day. 

As this fee was caused by fraudulent activity that was reversed by now, the fee also needs to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I called Equifax to get the incorrect information disputed on my account. I was unable to do so over the phone because documentation was needed to be faxed over so I went online to do it. I uploaded all required documents and continued to call to speak to someone to talk with them about what was needed to be disputed over the phone. After calling throughout the day speaking to a Supervisor getting the run around no one wanted to help. The one person who was willing to help said to me go in the system and upload the document that needed, I will wait on the line once you do let me know because I pulled up the license ( one of the documents being requested ) he was able to do this because I gave him the dispute number ) I was not able to stay on the line with him because in turn I put the wrong password into the account and my account was then locked due to an incorrect password and I had to wait the 30 minutes to be able to log back in. The excuse being given is call back because the system is being updated and we cant pull up the file when not even 10 minutes prior I called was on hold with someone and the person hung up. This started at XXXX and continued with until XXXX. I have yet to be helped and the documentation is there in the system already. I have dispute confirmation numbers to prove such. I spoke with 7 associates and 1 supervisor. Again the end the excuse as stated was our system is down and we can not access your account. This is only happening because I am being persistent and wont take no for an answer because no one wants to actually do the work. This is unacceptable when this is not my fault at all. They want consumers to use credit in America but EQUIFAX wont take responsibility for mixing up two credit files. I did what was asked of me and now Im getting the run around and its aggravating. Please I am asking for your help in this matter. I shouldnt be treated this way as a consumer not to mention this is holding up be being able to securely apply for things especially when I know that my credit is clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX, XXXX and EXPERIAN is XXXX in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

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 2018-02-12
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX - says I owe {$1700.00} for a XXXX XXXX bill. I previously disputed this and it was removed from my credit. It was reinserted with a new date of XX/XX/2017 versus the previous date which was years ago. This is not my debt, and I have received XXXX information ( written or otherwise ) about the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Also my information may have been impacted by numerous data breaches and gotten into the wrong person 's hands.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following Collections listed below were placed on my credit report without any written communication or documentation proving that I owe the debt described, I have requested that these collections produce the necessary documents to me. Otherwise Delete them from my Credit Report Immediately. 
XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) NCA - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) CCI - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXXXXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX, XXXX AND XXXX- This Debt Buyer isn't even Active nor does it hold the note to collect anymore and must be Deleted from my Credit Report Immediately. 
SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC )

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 2023-08-14
Company: Experian Information Solutions Inc.
State: NJ
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 for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2020-01-15
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid 3 different payments on the student loans in question before they showed delinquent, which kept the account current and now has dropped my credit score by XXXX points and will prevent me from obtaining a loan for buying a home as well as I have started classes, so there should be no credit reporting during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION INFORMATION EVEN AFTER BEING NOTIFIED. REMOVE THESE FRAUDULENT ACOOUNTS FROM MY CREDIT 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 2022-02-22
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus 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 non-monetary relief
Consumer complaint received 2022-02-22
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Equifax and discovered multiple unauthorized inquiries that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX  XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; and XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an COMPETENT LEGAL BINDING verifiable AND PROVIDE THE NAME OF EACH PERSON YOU SPOKE TO PROVIDE THE DATES TIME OR ANYTHING PERTAINING TO THIS MULTIPLE UNAUTHORIZED INQUIRERS into XXXX XXXX to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report effective immediately and provide and updated report to my only mailing address that should be listed as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Delete any other addresses listed that should not be on my report effectively immediatley. But if XXXX XXXX BANK XXXX ; XXXX XXXXXXXX XXXX ; XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX, is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted e-oscar verification or any automatic verification is not warranted. 

Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation