BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Td bank accepted an fraudulent check against my account for XXXX three weeks ago. I contacted them immediately and went down to bank to fill out all paperwork and police report ( XXXX XXXX ) the check against my account was so fake even the branch said it was crazy, and it didnt event have a full endorsement. After repeated calls to bank, Im getting nowhere. They say its under investigation from other bank, and no one can tell me when im getting my money back, they make it almost feel like its my fault leaving my money in their bank. It was a mobile deposit against theyre bank, and no one can tell me where the check was even cashed. I called fraud line 10 minutes after it appeared on my online banking account, now I had to get a new bank account, im late on bills, and my wife had to take a half day off of work to file claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am the power of attorney for my father he opened a bank account at TD Bank a few days later I dropped off my power of attorney they said it was unacceptable and the entire account is blocked my father 's checks are bouncing and they wo n't return the money until XXXX comes in personally he is XXXX. This is been going on for almost 3 weeks and they say they have n't even assign anybody to resolve it yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
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 enough information to verify debt

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 2022-03-22
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my consumer report i recognized some inaccuracies on my credit report that have hindered my ability to extend credit. According to Congress of the United States pursuant to title 15 USC 1781 an inaccurate and unfair credit report directly impairs the efficiency of the banking system undermines the public confidence which is essential to the continued function of the banking system. I require the 2 fraudulent collection accounts on my consumer report by XXXX XXXX XXXX opened XXXX XXXXbe deleted and removed immediately and its fraudulent and innacurate nature is very damaging to my reputation, My Consumer rights have been violated and this unfair reporting has hindered me from enjoying the pursuit of happiness as gauranteed by the constitution in accordance with FCRA 650 title 14 USC 1681c-2 Block a consumer reporting agency shall block the reportingof info on a consumerr file that identifies as resulting from identity theft. I require this account be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: GREATER SUBURBAN ACCEPTANCE CORPORATION
State: IA
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 was involved in an accident back in 2029 the car was considered totaled the company said it was considered a repossession and told me they fixed the car and said the price they sold it for covered the loan amount I still had. The account was paid in full as it showed even ok the report along with credit XXXX and XXXX. Every few months after that it gets added back to my account were my credit drops by XXXX points then I have to dispute it and it gets dropped. It happens every 6 months and Im getting tired of having to report it over and over and the company is no help saying theres no record of it at all in their system and they refuse to even put a manager on the phone and hang up when I try to contact them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Dept of Ed / XXXX, XXXX XXXX, and XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to TransUnion regarding my credit profile. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX XXXX  and XXXX/XXXX XXXX/XXXX   reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, names, and employers corrected on my report as this is a violation on my consumer protection rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been a XXXX XXXX for XXXX years. I am attempting to participate in the PSLF program waiver. I must first consolidate my loans. My only option was to do this through Fedloan. I submitted my application in XXXX or XX/XX/XXXX. I listed my loans that I wanted to consolidate as being held by XXXX, which they are. Fedloan, however, changed the loan holder to XXXX then cancelled my application because XXXX didnt have any eligible loans for me to consolidate. I literally spent hours on hold trying to get someone at Fedloan to assist me with no success. I then sent an email on XX/XX/XXXX. On XX/XX/XXXX, Fedloan responded that I must submit proof of the loans with XXXX. I uploaded that immediately. On XX/XX/XXXX, Fedloan replied that they had reviewed my documents and the loans were valid and qualified and that they would reinstate my application and my loan consolidation would be disbursed within the next 30 days. On XX/XX/XXXX, I checked my status and saw my application had been denied because, The current holder of your loan has notified us that they can not accept funding for this loan. Please contact the current loan holder to resolve the issue. I immediately contacted XXXX and was told that they had sent Fedloan the payoff amount due on XX/XX/XXXX, and there was no problem on their end. 

Of course its impossible to contact Fedloan, although Ive been trying since XXXX, XX/XX/XXXX. When you call youre told the wait is longer than 20 minutes. They offer to hold your place in line and return your call, but the last time I did that I waited nearly 2 hours for a return call, only to be placed on hold for 45 more minutes. Then, Im directed to a person who can never see my account and tells me I need to speak to someone in consolidations. So Im placed on hold again for over an hour. I asked for a direct number to consolidations and they dont have one. 

This program goes away in XXXX. I cant get Fedloan to even accept my application in 4 months.

I work. I do not have hours to sit on the phone. Fedloan needs to correct the situation with my application and they need to answer their phones! Even taking 2-3 weeks to respond to an email is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
3 Remaining Negative Accounts. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : SANTANDER  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Dear sir/madam, It looks like the credit bureaus have XXXX files on my name : first associated with my SSN and second associated with my business XXXX. Every time when I 'm trying to apply for credit card my application declined. I sent all proofs of my documents to all bureaus, called them but still no success. 
So i need to merge both my files to XXXX 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 2020-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Because I submitted a complaint and keep requesting for Capital One & XXXX  to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
continued claim XXXX pursaunt to 15usc1692g ( XXXX ) - dispute debt & 15usc1681i-procedure in case of dispute accuracy- I the consumer am aware that all collection must stop an be deleted from my consumer report while debt is in validation. HOWEVER THIS ACCOUNT CREDENCE RESOURCE MANAGEMENT LLC IS STILL ON MY CONSUMER REPORT WHILE THE ALLEGED DEBT IS IN VALIDATION. WHICH IS A VIOLATION OF THE XXXX AND THE XXXX  THE REPORTING AGENCIES ARE ALSO STILL REPORTING IT ON MY CONSUMER. 

ACCOUNT- CREDENCE RESOURCE MANAGEMENT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I previously sent a dispute letter to the credit bureaus regarding the late payments on my account with Great Lakes. They were verified in which I agreed with and they annotated my credit report as being in dispute. I then sent them a letter by fax on XXXX XXXX which after me calling they received, that I was no longer disputing the account and to remove the dispute. The lady over the phone assured me that the dispute comment would be removed from my credit report. I am currently working with a mortgage broker to get approved for a home and this keeps holding me back from getting approved. Is n't this a violation of the Fair Credit Reporting Act if they fail to remove the dispute comment after I specifically told them it was no longer in dispute? 

I also looked at my credit report and noticed that the updated my account as being XXXX past due as of XXXX XXXX when this account was closed on XXXX XXXX. This dropped my credit score about XXXX points because it shows I was recently late which is not true. How can they get away with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We were charged overdraft fees on multiple transactions from our checking account with TD Bank. And then we were charged an overdraft fee ... on the overdraft fees. Prior to any of this happening, we elected to decline overdraft protection on our accounts so the charges should have never gone through in the first place and should have been declined, as per our agreement with TD Bank, at the point of sale. 

Additionally, the charges were never actually posted to the account. They were Pending charges, we noticed that our account would become overdrawn if we did n't deposit money, so we transferred money into the account from our TD Savings account, prior to all of the pending charges actually posting. Our checking account was never actually underfunded. TD Bank manipulated the posting dates and times of the transactions so as to charge us the greatest number and amount in overdraft fees ... even though the debit charges should have been declined entirely at the point of sale because we do not have overdraft protection on our account. 
About half of the charges have been reversed, but we are still waiting on getting the rest of the charges reversed. We have spoken to at least XXXX employees of the bank, all of whom say that they do n't personally have the authority to reverse the charges, and that they must get approval from their higher level manager. This has been going on for over a week now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: Berlin-Wheeler, Inc. (Kansas)
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:
Per my complaint # XXXX XXXX XXXX has agreed to REMOVE a paid collection with XXXX XXXX  from my XXXX and XXXX credit reports entirely. I will attach their letter to this complaint which is dated XX/XX/2022. I am asking for XXXX and XXXX to handle immediately as this is damaging my credit and I have been trying to get resolved now since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX my XXXX and I moved. We contacted XXXX XXXX XXXX prior to our move and canceled our service at our old address. We paid the agreed on amount. 

XXXX XXXX an XXXX for XXXX XXXX XXXX contacted us. We disputed as seen above. XXXX released the debt and negative credit reporting. 

XXXX Radius another XXXX for XXXX & XXXX contacted me regarding the above account. I stated the history above and they advised contact XXXX XXXX XXXX. I did and they did not help. XXXX XXXX XXXX stated I was billed until XX/XX/XXXX. I did not have service at the previous address as a new homeowner had bought and moved into the home. XXXX XXXX XXXX is asking for payment for services we did not receive. 

In standing with FDCPA we believe this is harassment from these 3 companies. We are asking for 4 things : 1. Removal of the debt 2. A paid in full statement from XXXX XXXX XXXX XXXX. A written notice from XXXX XXXX XXXX via USPS saying any negative credit reporting is removed from both our names & 4. As we believe it is XXXX from XXXX XXXX XXXX we are asking for the awarding of 3 of the {$1000.00} fines to be sent to us from XXXX XXXX XXXX as the collection attempts from XXXX XXXX XXXX, XXXX, and Radius are all from XXXX XXXX XXXX are for a debt that us not owed and has caused migraines and time away from work to handle this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XX/XX/XXXX, I filed a dispute regarding fraudulent charges on my Wells Fargo Bank, XXXX. account ending in XXXX regarding fraudulent charges. The Claim Number assigned by Wells Fargo was XXXX. The amount disputed was for {$1000.00}. A provisional credit was provided on XX/XX/XXXX. In XXXX, I received a letter that they were investigating the fraud claim to which I responded by providing them evidence of the fraud. I received no further communication from Wells Fargo. When more than XXXX days passed, I assumed they had found in my favor. Then, XXXX months after filing the complaint ( well in excess of XXXX days from when I filed the complaint ) on XX/XX/XXXX, the {$1000.00} was withdrawn from my Wells Fargo Bank account with no notice ahead of time to me. They money was just simply gone! I was given no explanation for why this happened or even notice that they were going to debit my account for the {$1000.00}. I never even received notice that they had concluded their investigation. I believe this is a violation of several laws including the Fair Credit Billing Act. They are required under that law to investigate the claim within XXXX  days and if they do not have a finding by that date, the provision credit becomes permanent. This is what should have happened with me and it did not. Instead, they violated the law by taking back the money in excess of XXXX days from when I filed the claim and failing to give me adequate notice that they were going to do this and of the results of their investigation.

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 2015-03-25
Company: TD BANK US HOLDING COMPANY
State: ID
Product: Credit card
Issue: Late fee

Complaint:
I am being harassed by Targets REDcard I had only XXXX charge on the card for aprox {$66.00} dollars around XXXX of last year thats when I realized it was a mistake to do business with Target. They said i was late so i owed them 35 dollars on my 66 purchase I paid the 66 and at the same time communicted to them through my credit account electronically to request that they remove the 35 dollar fee/fine/extortion as the cost of doing business with them, they apparently do n't check there e communications because i waited and waited for a reply and never got XXXX, XXXX they charged me 35 fee/fine/extortion again for not being a obedient XXXX so now they said i owed them 70 on my original purchase of 66 which i had paid, they finally reply to my e communication in XXXX asking me to call them. so i called them and i was told a supervisor would call me back which they never did but then i started getting robo calls from them but when you answered them they wouldnt connect. now by XXXX they added another 35 dollar fee/fine/extorion so now i owed {$100.00} on my original purchase of {$66.00} which i had paid in full months ago, they say they chancelled my card but they keep adding 35 dollars to it and apparently i also have to pay interest on their fees/fines/extortions. so a few days ago i called and talked to a team member who said they couldnt do anything now but they could have removed the original fee in the first month, they also claim not to have received any e communications from me even though i have the saved email resonse in my email account. now they have locked my credit account so i ca n't view my bill online??? totally disablied it but they now send me emails to log in??? I know now what the red target means

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was issued a credit balance refund check in the amount of {$7900.00} on XX/XX/2022 which I had lost and had called the bank to issue a stop-payment and reissue, which the bank sent me a letter stating they had done so. Now the bank is claiming the check was cashed and they can not issue me a new one when they had sent me a letter confirming the stop and reissue and a new check was sent to the address on file ( which I still have not received ). Also my account was closed for no reason at all and I want my account re-opened if possible.

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 2022-07-17
Company: National Credit Systems,Inc.
State: TN
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:
According to Fair Credit Reporting Act 15 U.S.C & 1681 et seq national Credit System Account Number ( XXXX ) violated privacy by reporting information containing files information is also inaccurate. 

Company : Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX Phone : XXXX - XXXX Note : Please beware of this company consumer Report

Company response to consumer: Closed with explanation