BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-03-21
Company: Empowerment Ventures, LLC
State: NV
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
While the glitch with the rushcard system updated was taking place, I had my gas and electricity service disconnected and was served a 5 day notice to pay or quit at my current residence ... ... The customer service during this phase was horrible and I was almost terminated from employment due to attendance issues while.I.tried to contact different agencies and friends/ family to assist with XXXX worth of bills ... .... Once the glitch was " fixed '' I still had problems accessing my funds and to this day I have yet to receive a XXXX $ deposit that was supposed to take.place during the glitch ... ..they have given me the run around and keep telling me that it may take up to 90 days to resolve but that time has come and gone ... ... .. The customer service is horrible and everyone sounds like a broken record with the same response ... .. Its like I have no recourse for my missing funds and no one seems to genuinely care, yes this card was designed to help low income families but they are essentially more of a problem then a help, every time I call they thank me for being a cardholder since XXXX but that really does nothing for me when they Dont care about my missing money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Date opened XX/XX/2010 XXXX Credit limit This account was not me so can you please remove this from my credit report XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: AMA Advisors, LLC.
State: NE
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:
On, XX/XX/2019, I enrolled for ACH withdrawal of my mortgage payment on Homebridge Financials online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX  XXXX {$250.00} XXXX XXXX {$0.00} XXXX XXXX {$1300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$410.00} XXXX  XXXX {$450.00} XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$100.00} XXXX XXXX XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Ive had my rush card since XXXX. The company decided to do a massive update on Monday XXXX advising we would not have access to our accounts until XXXX. then put out another notice saying our accounts will not accessed until noon that day, luckily they stayed true to their word and I was able to access my money and get to make it home that night. moving on as the days went on I noticed a lot of pending items on my transaction history and I was missing over XXXX and not able to pay my car payment or car insurance or light bill. ive tried to contact the company via phone and through twitter with an automated response sayin someone from the company would contact me. that was a week ago and I have yet to hear from anyone. ive literally paid my money to this company for 6 years. that is XXXX in MEMBER FEES over the past 6 years and I am missing money to pay my bills. its insane because the COMPANY OWNER Himself is abillionaire. its just sad. he can more than afford to issue ADDITIONAL refunds to all the accounts affected PLUS the money that is owed to them. ive had to stop my direct deposit and figure out how to cash my upcoming paycheck. you have the money and resources to fix the issue. get it done. I have a credit union as well but I Loved the convenience of getting paid early and with my family living so far away from me green dot access cards were great for when my mom wanted to send extra money. now I do n't know what to do and the company could care less. no one has reached out to me and I need a resolution. now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-10
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2017-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Capital One has been unwilling or unable to process an simple account transfer. When I went to complain, I found several other bad reviews of capital one " Filibustering '' customers to keep their accounts at capital one after the customer has decided to leave. 

I processed a transfer with XXXX at the exact same time, and XXXX processed their transfer in XX/XX/XXXX. Capital One has a variety of EXCUSES as to why they ca n't perform the transfer but the process is designed to get me to forget about it and leave my money with them. It 's a CON. I filed the proper paperwork. They should FOLLOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed this company a letter on XX/XX/XXXX with i response. I called XX/XX/XXXX and representative advised me they received the letter to validate this debt. Today is XX/XX/XXXX and I have not received a response from them. 
Pursuant 15 usc 1681g

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing the accounts today as they are a result of identity theft, the XXXX  Data Breach exposed my personal information to criminals who used my information to open several accounts in my name, my personal information will always be exposed to those who have used them against my knowledge to open fraudulent accounts. 



Under the laws of the FDCPA, I have contacted these companies myself and asked them to verify these accounts, and they have refused to do so. I have contacted the Consumer Financial Protection Bureau as well as the FTC and filed a report against your company for reporting this false information to my account. 



The FCRA requires you to verify the validity of any information reporting to my credit report, which you have failed to do so, as I asked 30 days prior to today for this account to be removed and your company has not done so. I am demanding that you remove these accounts from my credit file, as it is against the law to report these accounts. 



In the event that you do not remove these accounts from my credit file, I will not hesitate to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 



Remove : 1XXXX XXXX  {$960.00} 2XXXX XXXX  {$1100.00} 3.XXXX XXXX XXXX  {$650.00} 4XXXX XXXX XXXX XXXX {$1600.00} The only name that should be reporting to my credit file is ( XXXX XXXX XXXX any other names should be removed . 



The only address that should be reporting to my credit file is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) any other addresses should be removed.

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 2017-01-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Toyota Financial Services reported incorrectly information to the Credit Bureaus for a late payment done on XX/XX/XXXX. This late payment was not reported until I protested another late payment done in XX/XX/XXXX. I feel that TOYOTA FS was dishonest in reporting to the Credit Bureaus correct information and I never received any notice or call regarding making a late payment either. When I protested on the BBB in XXXX, XXXX admitted that they had done a mistake/error and should have reported this late payment. I was never informed that they had made this report or late marker. Therefore I feel that TFS is acting in a dishonest illegal way due to not informing the bureaus and then backtracking themselves and not informing me. I believed that payments could be done until the XX/XX/XXXX without penalties. 
On another note, I payed my monthly payment on XX/XX/XXXX due to the fact that previously I had payed up the XX/XX/XXXX th before getting a XXXX day late payment marker. I also called TOYOTA on the XXXX letting them know that I was sending a check for the complete payment on the XX/XX/XXXX since I had refinanced my mortgage to pay off my account with TFS. I was never told that a late payment marker was being applied that day due to lack of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Several years ago I leased a car from Chrysler Financial. I defaulted on the loan. Chrysler Financial ceased to be an entity a couple of years back and their accounts were taken over XXXX by TD Financial which was the successor to Chrysler. The statue of limitations according to the law mandates that it be removed from my credit history as of XX/XX/XXXX. It was removed from XXXX and XXXX this year and not XXXX. The problem here is that the XXXX report only lists TD Financial as the lending institution not Chrysler Financial and are reporting the wrong date. They claim it is XX/XX/XXXX. I disputed this with XXXX but as Chrysler Financial is no longer in business and the information to XXXX was submitted by TD Financial they have to go by the TD Financial submission as the have no record of Chrysler, only TD. I have submitted evidence from the original lender from the other XXXX credit reporting agencies clearly showing Chrysler reporting the first and last delinquency of XX/XX/XXXX where as TD ( the exact same company ) reporting it as XX/XX/XXXX. Clearly they are lying. I have repeatedly tried to have this item deleted by writing to them, to the credit bureau ( XXXX ) but they stand by there claim of initial first delinquency even after I sent to them the submission by Chrysler Financial to the other XXXX bureaus. I am asking you to review the information which shows the liability of TD financial. 
I am submitting documentation from TD financial and XXXX ... ... ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I withdrew a certain amount of money from XXXX of my checking accounts at TD Bank, but when I withdrew the money they double the amount they give me and overdrew my account and now I am in the negative and have NO money to feed my family

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the correction of the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: VA
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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-08-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX XXXX {$300.00} USDEPTED XXXX {$1700.00}

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 explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$490.00} XXXX   XXXX {$600.00} XXXX  XXXX {$500.00} XXXX  XXXX {$630.00} XXXX  XXXX {$410.00} XXXX   XXXX  XXXX {$410.00} XXXX   XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$0.00}

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 explanation
Consumer complaint received 2016-01-21
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear CFPB, I had a checking account with TD Bank. I had a positive balance with {$500.00} in my account. I did not use my account for almost a year and then I received a notice that I owed TD bank {$450.00} dollars. My account was closed and it was sent to collection agency. Unfortunately, TD bank is not helping me, even though this was probably their error or mishap of information ( stolen check or identity ). I am kindly requesting CFPB to please ask TD Bank to please probe my account and see who used it and why I owe them {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased furniture on an in-store loan from XXXX XX/XX/XXXX. The loan was serviced by TD Bank. I made monthly payments on time each month using ACH transfers made via phone payment authorizations. TD bank even gave me payment confirmation numbers at the end of the phone calls. I kept confirmation numbers from these payments on an electronic media device that has since been destroyed. XX/XX/XXXX, TD bank initiated transfers to make the payments, but those ACH transfers never cleared and TD Bank never informed me of this. Now, I am XXXX months delinquent on this loan, and it appears on my credit report as a negative account. TD bank never notified me or my bank that there were issues with the phone payments as of XXXX XX/XX/XXXX when I discussed this issue with TD Bank XX/XX/XXXX, they said they had no records of me initiating payments in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Advantage Financial Service LLC (Idaho)
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Left message not identifying themselves or where they were calling from. Messages just said " this is XXXX call me back '' When I called and spoke with a supervisor she yelled at me. The bills were for preventive care that should have been covered by my insurance I had no idea I owed anyone any money.

Company response to consumer: Closed with explanation