BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On Tuesday XX/XX/2022 ; I open a checking and saving account with TD bank with a check deposit of {$5500.00}. My checking account number is XXXX. My saving account number is XXXX. I was told {$100.00} would be release to me and {$5400.00} would be placed on hold for six business days. Therefore on Tuesday XX/XX/2022 ; I purchased some things. I ordered some checks with the bank representative. The cost of the checks is {$11.00}. Also I purchased a meal at XXXX XXXX for {$11.00} and a purchased some items at XXXX XXXX ; the total amount of the purchase is {$14.00}. On Wednesday XX/XX/2022 ; I checked my checking account there is a negative balance in the amount of {$26.00}. I visited TD bank located at XXXX XXXX XXXX, XXXX, Florida XXXX to find why my checking account balance is- {$26.00}. I was told by one of the TD account the whole check in the amount of {$5500.00} was is on hold for six days. Which is a major issue for me because I was told on Tuesday XX/XX/2022 ; XXXX XXXX would be release to me. The funds of {$100.00} was not release to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received an offer for a XXXX XXXX XXXX membership from Discover on XX/XX/2020. It stated that I would receive a {$45.00} cash back bonus on the purchase of a new membership and that it needed to be used before XX/XX/2020. I activated the offer and purchased the membership on XX/XX/2020 ( double checking that the offer was activated before purchasing ). I have the receipt for the purchase as well as the offer email. 

The bonus cashback never showed up on my account I contacted support on XX/XX/XXXX asking about the missing cashback, I received a response to wait until my XXXX billing cycle ended. I waited until my XXXX billing cycle ended to contact them about the matter further. 

I received canned responses, along with a generic " Upon further review on this promotion I can see that the rewards for this promotion has already been applied to all applicable accounts. '' An then " This means that the purchase did not meet one or more of requirements to earn the {$45.00} credit. While I am not able to see what requirement was unfulfilled .... '' I see no reason as to why I was " disqualified '' for the offer. I never held any membership with XXXX 'XXXX XXXX I activated the offer from the email, I used my Discover card, and I did not combine it with any other offer. 

The only reason why I signed up for a XXXX XXXX XXXX membership was because the sign-up bonus made the membership free. To date, I haven't even used the membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I refinanced my student loan in XXXX of 2017, with XXXX. XXXX sent a check to Navient overpaying my students loans by {$730.00}. Despite numerous promises, Navient has refused to return the over payment to me and has continuously engaged in delay tactics in responding to my request for documentation and refunding monies due and owed to me.
The first conversation I had with Navient was on or about XXXX XXXX, 2017, and I was told a check would be mailed to me. After not receiving a refund, I called back on or about XXXX XXXX, 2017, and I was told the funds were returned to XXXX. I requested documentation from Navient verifying when the funds were sent and where. I was told that I would receive the information within 7-10 days. However, now three months later, I still have not received the requested documentation. I followed-up with XXXX, and they indicated that Navient never returned the funds. Therefore, I sent a demand letter to Navient on XXXX XXXX 2017, along with documentation about my account and the over payment. Once again, I demanded Navient to return my over payment. I spoke to XXXX XXXX, in the Office of the Customer Advocate, on XXXX XXXX, 2017. She told me that she would check into the status and get back to me byXX/XX/XXXX. When I did not hear from her, I send her an email on the morning of XXXX XXXX, 2017. She called me later that afternoon onXX/XX/XXXX, and told me ( yet another story ) that the check was returned to Navient as undelivered and on XXXX XXXX, 2017, and that they resent it on XX/XX/XXXX, but that the check remained uncashed. Once again, I demanded verification and was told that it would take up to 10 days. I sent an email to XXXX XXXX onXX/XX/XXXX with instructions on where to send the refund payment and further requested confirmation when the check would be send. I also demanded documentation and a written explanation from Navient about its efforts to refund the over payment. I have yet to hear from XXXX XXXX or anyone else at Navient. It has been almost four months, since my student loan with Navient has been paid in full and yet it refuses to return my over payment. Navient has engaged in fraud and has wrongfully converted my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2022-09-30
Company: Specialized Loan Servicing Holdings LLC
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:
No payments ever was late. SLS still reported my account as late pay to Credit bureaus. 3 times I submitted documents to Credit Bureaus for correction, and 3 times SLS reported late pay as accurate. I need your help. My copies of cashiers checks and SLS 's statement showing exact dates they received my payments collaborate the facts below. ( all supported by attached copies of cashiers checks sent to sls, and sls statement ) * XX/XX/XXXX- SLS approved forbearance from XX/XX/XXXX to XX/XX/XXXX. 
XXXX payment after forbearance was sent on XX/XX/XXXX ( received by sls XX/XX/XXXX ) XX/XX/XXXX - SLS Requested documents to qualify mortgage for modification XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) After multiple request for modifications were denied sls asked for the full forbearance amount or short sell or deed in leu ( loose the house or pay full forbearance ) {$50000.00}, to cover forbearance and re-state the mortgage, was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2022-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was laid off from my job due to XXXX and was unable to make payments on my Chase Freedom credit card. I work in sports and entertainment, and my entire industry was on hold due to XXXX. I finally received employment again in XX/XX/2021. When I received my letter of employment, I immediately called Chase to accept the settlement offer that was offered to me. I have an excellent credit history and am just now coming out of the financial hole that XXXX caused. I am getting ready to buy a home and the late payments and charge off on my account are effecting my credit in an extremely negative way. It is the only negative thing on my report. I don't think that a hardship like losing my job during XXXX and being unemployed should force me to have less than stellar credit. I only wish that the senate made it mandatory for late payments and collections during XXXX to be deleted from personal credit reports instead of leaving it up to the lenders themselves. I will continue to dispute this until you find the decency to remove the late payments and charge off/collection status from this account on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was credited only seven qualifying loan forgiveness payments for the period beginning XX/XX/XXXXand ending XX/XX/XXXX. However, I made twelve qualifying payments during this time. On XX/XX/XXXX, I sent a complaint to FedLoan Servicing with a detailed breakdown of the payments I had made. I requested a written response by XX/XX/XXXX. That should have been more than enough time to respond. But they have still not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pulled a copy of my credit report on XXXX and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX BK which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.

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 2017-08-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I want to terminate my American Express Card on the XX/XX/XXXX and I scheduled my final payment for the XXXX of the month.
I have rewards that I earned and that I want before terminating the card. American Express will not give me my rewards. I previously filed a complaint # XXXX because I filed a dispute against XXXX XXXX XXXX XXXX as they fraudulent billed my credit card for {$150.00} for a tow truck, ( the car I rented stalled and would not start ). American Express received the complaint on XXXX XXXX, 2017 and as of this date has not resolved the dispute. I filed a complaint with the State of Hawaii Consumer Protection Bureau and received no support for my claim of Fraud from American Express. I no longer want this card ; however I do want the rewards that I earned over the past 10 years. I have exhausted myself resolving this dispute alone, without the support of American Express who has taken far too long to resolve this matter. Their merchants are more important to them than their customers. I have had it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: NY
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
My husband and I were in the market for a new vehicle. We decided to go to our local dealership XXXX XXXX. The loan was secured by XXXX XXXX. We decided that we wanted to obtain the loan in both of our names in order to rebuild my husbands credit. We were told only by a miracle they were able to add my husband to the loan but the tier would go up causing the payment to go up as well. We agreed to the terms and moved forward with the lease. XXXX 2017 we were going to trade his car in and went back XXXX XXXX to secure a loan. My husband andd I again wanted the loan in both of our names. We were made aware that my husbands credit was not good enough to do that and that he was never added to the previous loan. When we inquired about it we were told that it was not the dealerships issue and that was the fault of XXXX XXXX. However our payment was increased for no reason for those 2.5 years. They then offered that for the current lease that he could be added for an additional fee. We agreed again. Additionally we never received our loan paperwork nor our manual. When I called XXXX XXXX on another issue, I was advised by the lease termination manager, that my husband was on the original loan and that it was just not reporting to the credit bureaus and then placed a request for this to report. So now my issues are the inconsistencies. I am concerned that I have or are currently overpaying on my loan. Additionally how much have we overpaid in obtaining new credit due to the incorrect credit score? This my 4th car with XXXX XXXX and I am concerned that I am being taken advantage of. This has caused material damage and is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: KS
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 currently in the XXXX XXXX. While XXXX XXXX  my information was compromised. Because I was in another country, it was difficult sending dispute request via online. When I got back stateside, I submitted all my information letting them know that several accounts were the result of ID theft. They did not fix the errors. I hope that contacting your agency will finally help me.

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 2023-01-04
Company: EQUIFAX, INC.
State: FL
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX Florida XXXX and Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion, XXXX, and XXXX - all have negative items on my credit report that are false as these accounts were opened fraudulently without my notice.

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 2022-08-03
Company: Experian Information Solutions 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:
I recently pulled a copy of my credit report on XXXX, and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX XXXXXXXX which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I bought a NetSpend card put money on it to pay a bill, then was denied account activation to use the card.my bill is past due with added fees, and still haven't received a refund check it's been a month Every time I get ahold of them I'm told I have to wait 10 days or they hang up on me.I Now owe double with extra fee's.I think they need to compensate me money.

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 2015-04-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
There is someone by the name XXXX XXXX showing up and affecting my credit score.. 
I have contacted XXXX credit tracker to dispute the matter! i got a letter in the mail that said they had contacted the furnish vendor. its has already been 3 months and no action has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$12000.00}, XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief