BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-13
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I received an offer by mail from TD Bank to open a credit card account. They promised a cash reward of {$200.00} if I spent {$500.00} using the credit card within 90 days of account opening. I applied for the credit card on XXXX XXXX, 2015 by mail, and spent over {$500.00} by XXXX XXXX. Their rules for the program promise to pay the bonus within 6-8 weeks after the eligibility criteria are met. I have still not received the bonus even though it is now more than 15 weeks since I met the eligibility criteria. I called TD Bank on XXXX XXXX. They insisted that I FAX them a copy of the offer I received, which I did. I called again yesterday. They told me that the reward would be posted to my account by today. It has still not been posted. They continued their runaround today by telling me they mailed my FAX to " corporate '' and were still " investigating ''. The agent offered to let me speak to a supervisor, and then kept me on hold for over XXXX minutes without a supervisor coming on line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
While reviewing my credit report, I came across a revolving account I did not recognize. The following credit item does not belong to me : XXXX partial account number : XXXX I have never applied to this company for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: LEXISNEXIS
State: TN
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:
On XX/XX/2020 i requested my bankruptcy to be removed from lexis Nexis they responded saying a decision would be made in 30 days it is now XX/XX/2020 60 days has passed with no response back i also disputed with, XXXX XXXX XXXX XXXX XXXX  to remove that information also they're response was the information will stay on credit report because Bankruptcy court had verified the information i attached an email i received from the United States Bankruptcy court here in XXXX, Tn that stated they don't verify information to any source i have provided proof for credit reporting bureaus to have this information removed and neither one has done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have fraudulent accounts on my report I have asked for proof of how XXXX credit bureaus verified my information and I asked for proof of a contract from the original creditors with my wet signature.

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 2017-03-11
Company: FORD MOTOR CREDIT CO.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I pulled a copy of my credit report, and discovered an accurate reporting from Ford Credit. The account number is listed as XXXX. Date opened : XX/XX/XXXX. Balanced owed : {$1200.00}. 
I contacted Ford Credit disputing the item and they sent me a form letter back stating that they did not have verification that I was not the person in question. I have also disputed this with the credit bureaus, and it comes back as verified. 
The account was opened on XX/XX/XXXX, and I was not of legal credit borrowing age until XX/XX/XXXX. My name is XXXX, and my credit report has alias names listed as " XXXX ''. Notice that the XXXX in XXXX is inaccurate, and the middle name is completely different. 
My credit report also lists my social security number as ending in XXXX, but has " social security number variations '' listed as ending in XXXX and XXXX. The ONLY social security number I have ends in XXXX. 
Not only is this a closed account listing on my credit report, but there is also a judgement listed against me for the same account through XXXX County. 

I would greatly appreciate that this company remove this information from my credit reports, as it belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I consolidated all of my student loans with the US DEPT of ED and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$3200.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2015-08-27
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It appears that my cell phone number XXXX was placed on a massive dialing system, where my cell phone was called starting at XXXX and calls would come through until XXXX. I received pre-recorded messages every single time. The messages were left on my voicemail XXXX a day. I never authorized this Law Office to call my CELL phone on a artifical dialing system and leave pre-recorded voicemail. This is a violation of The Telephone Consumer Protection Act. I tried to resolve this matter with this Law Office however however I have been hung up on and treated poorly.

Company response to consumer: Closed
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: MO
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 sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$620.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$650.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$8800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9300.00} ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$620.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$1900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX Balance : {$8800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-16
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:
There is a XXXX XXXX account listed on my credit report erroneously. Each bureau reports a different date last active. 

Equifax is reporting acitivity under the payment history while reporting it charged-off and they also report the date last active as current ( XX/XX/XXXX ) which means it's illegally re-aged XXXX reports the the date last active as XX/XX/XXXX. That means the account is illegally re-aged. XXXX reports hte date last active as XX/XX/XXXX. 

if this account has really been verified they would all be reporting the same information and also be reporting the correct way but it's completely not correct and it's violating the FCRA on every level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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 information incorrect

Complaint:
I am appalled at how the system works. So here we go. I had a score of XXXX plus. One of my businesses is XXXX XXXX XXXX and as such I personally had to hold mortgages in my name because they wouldnt give me business credit. So I had many mortgages on my credit report when I say may many I mean more than XXXX at one point. I struggle when the market crashed and investors bailed out by the thousands. I took the hit on my credit and struggled through it. Wow talking about demoralizing and humiliating a person. 

So anyway, I work through it and get my score up to lets say XXXX with all the debt I am carrying. So now the business starts to be where I am able to take draws and I pay my debt down or off and my score goes down. Not by a little but about 100 or so points. Help me understand how this is possible. I have now paid off over XXXX in debt and my credit score goes down. 

In addition during the time the housing market crashed I had credit cards which went into collection and were in suspense from XXXX and the debt collectors tried to put it back on my credit report as current. 

This is a joke. Their were errors in my name and places I have never lived my social was not correct.. Really and they are profiting, I have a problem that all XXXX Bureaus are not required to report exactly the same information, Why would a person get XXXX different scores if they When I don't use them my score goes down. When I use them I'm overextended. 

I also the XXXX XXXX discriminates against XXXX XXXX Investors in general. The are the most scrutinized industry their is. We have to provide leases, insurance policies, profit and loss statements, Tax Returns, etc. No other industry has to provide the nuts and bolts of their businesses. I.E. A Drycleaner individual receipts, number of racks they purchased, how many hangars they used, A Supermarket individual receipts how many can of corn they sold, how many cans of beans, etc. See the differeence. 

My point is that I want the bureaus disbanned. They serve no useful purpose. I have XXXX in home debt for a home I ; ve been in since XXXX, I owe XXXX on my car and XXXX on my credit cards and because of the information XXXX, TransUnion and XXXX have reported I was denied a loan because my SCORE didn't meet their criteria. I have XXXX in Open Credit Lines. RIDICULOUS! 

I believed I have been damaged by the inaccurate information and algorithms that the XXXX bureau use to compute consumer XXXX scores. 



.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom it may concerned, I am respectfully requesting help with a law firm/debt collector, XXXX XXXX XXXX, in which I have recieved 2 letters threatning legal action if I did not contact them for a resolution. The last letter I recieved was XX/XX/2020, notifying me that they intend to enforce legal proceedings to obtain payment. I have tried numerous times to contact them by phone and email and have been unsuccessful. They have an email address of XXXX in which you will recieve an automatic reply that they do not respond to emails. If you call there phone number, XXXX XXXX XXXX XXXX, you will be directed to leave a message in which you will never recieve a call back. I had to do a web search to try and find any other possible way to communicate with the XXXX XXXX XXXX and discovered a website of XXXX, in which you can submit an offer regarding your debt and I proceeded in submitting and completing that option, unfortunately I still have not heard anything back, nor did I recieve a confirmation that I submitted anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved 2 months ago ( XXXX of XXXX ) by the HAF for 18 months of forward payments. Despite being told this, and also being told that the payment was sent to my lender a week prior, the payment for XXXX was not applied to my account onthe due date of XX/XX/XXXX. I then called and emailed whomever I could at all organizations trying to figure out when the payment would be applied, as it was now past the due date and was just sitting there unclaimed. 

I finallygot an emailed response from someone at the XXXX, who is the companyresponsible for dispersing the funds to the lenders. The person I made contactwith at XXXX said they would reach out to their high level contact at Flagstar to have the payment applied and it was, within the hour. This finally took place eleven days past my due date. ( XX/XX/XXXX ) Fast forward to today ( XX/XX/XXXX ) whichis the second month of this. It is now 4 days past my due date and the payment has not yet been applied to my account again, despite Horne telling me that it was ACH transferred to my mortgagecompany a week ago.

My issue is that my lender, Flagstar bank, has these funds sitting in their coffers, and no one that I have spoken to at the company has any knowledge of the program, or how to then apply these funds to my account. Since the XXXX was able to almost instantaneouslyget the funds applied last month after an eleven day delay, I am sure there is someone at this company who knows what the program is and how to apply the funds, but I can not contact them. 

The person at XXXX is unwilling to divulge this info or to write to them again to get this payment applied. Every time i call, I have to tellmy entirestory from the beginning to the new rep, who then puts me on hold for XXXX minutes and comes back and sends me to another dept which is supposed to be the right dept. It never is and I just spendhours a day on the phone being passed around from wrong dept to wrong dept. The last time I called today, ( XX/XX/XXXX ) I was put on a lengthy hold, only to be hung up on. My only option would be to call back again, start over again, and experience the same stressfulfrustration. I need to knowwho I can directlycommunicate with at Flagstar to fix this recurring problem without all of the unnecessary stress and wasted time.

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 2020-06-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
DO NOT RECALL APPLYING FOR THESE ACCOUNTS

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