BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am an account holder at TD Bank. I requested a withdrawal from my brokerage account XXXX to be credited to my debit card at TD Bank. I spoke to a customer service representative at XXXX, and I was shown evidence that the withdrawal and instantaneous deposit to my checking account was completed. I went to the TD Bank branch office on XXXX and XXXX Streets and they told me they have nothing in pending transactions or otherwise to reflect that fact. Also, I write to complain about TD Bank 's policy of not abiding by XXXX standards in accounting which specify First-In, First-Out accounting or First-In Last-Out accounting, but rather by the " size of the transaction, '' in overdraft protection. This practice is unacceptable because the balances on ATM receipts do not reflect the balance by their method and the result is a charge of {$35.00} every time the consumer withdraws from the account. For example, an ATM receipt may reflect a {$20.00} balance, and the consumer may withdraw {$10.00} based on that statement only to XXXX that TD Bank 's " records '' do not match their statement and the consumer is defrauded out of {$35.00} each time a withdrawal down to {$0.00} occurs. I will attach proof of my withdrawal from XXXX and instantaneous credit to my TD Bank debit card as well as proof of such fraudulent charges as associated with overdraft protection, known as " Debit Card Advance ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have received a credit card from Target with a credit limit of {$200.00}. I have been paying my debit with a balance of {$78.00}. due to financial problems I neglected to pay the debt and balance was taken over by collection agency. The balance owed has been inflated to the amount of {$450.00} appx. I have tried calling Target customer service but I was referred to call the collection agency. Target will not answer my questions and the collection dept. will only collect a debt that is over inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX XXXX Date opened XX/XX/XXXX, Credit limit {$100.00} XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Credit limit {$800.00} ) Its been over 45 days and Equifax XXXX respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

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 2020-08-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently obtained a copy of my credit report from the bureaus and found INACCURATE, ERRONEOUS, NEGATIVE, UNVERIFIED information listed on my credit. I disputed these accounts and information with the credit bureaus. I believe the bureaus may be in violation of the laws put in place by the Fair Credit Reporting Act ( FCRA ) ; to protect my information and the validity of all information and accounts listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently obtained a copy of my credit report from the bureaus and found INACCURATE, ERRONEOUS, NEGATIVE, UNVERIFIED information listed on my credit. I disputed these accounts and information with the credit bureaus. I believe the bureaus may be in violation of the laws put in place by the Fair Credit Reporting Act ( FCRA ) ; to protect my information and the validity of all information and accounts listed 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 explanation
Consumer complaint received 2016-09-07
Company: Pinnacle Credit Services, LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
it 's a phone bill with XXXX opened about 6 yrs ago, it 's still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
the credit companies are not complying with their own policies in a timely manner.

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 2021-09-05
Company: EQUIFAX, INC.
State: MN
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:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 47 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 47 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I previously submitted a dispute regarding 3 XXXX  accounts that were included in bankruptcy & discharged but showing balances & charge off status. The response I finally received from experian was that they would update the accounts to reflect the bankruptcy discharge. They were subsequently all updated to XXXX  balance & showed as included in bankruptcy. Now 2 weeks later one of  the accounts has been changed back again to the bankruptcy indicator being removed & a balance of {$82000.00} is back on the account. See XXXX account # XXXX on my current credit report & please correct. I have attached the previous CFBP complaint as well as the bankruptcy paperwork that I previously submitted. Can you please stop this from recurring with this account as well as the other 2 XXXX accounts? This loan is not exempt from bankruptcy discharge as it does not meet the definition of a student loan under bankruptcy law & in fact this creditor has been sued several times for their credit reporting & collection practices & have a class action lawsuit against them currently for violating bankruptcy law. I am part of that lawsuit & am seeking damages currently. I have attached that for you as well. Thank you.

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 2015-04-03
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Could n't pay a loan company for a loan due to lost job, explained I was working part time, will begin payment around the XXXX week of XXXX in low installments, did n't give amount due to was n't sure of my paycheck and other priority bills. This was explained to representative who called, last week or the week before. I notice that they attempt a new draft for a different amount to my bank. I made myself clear to them that I had no other choice or money to pay them, they are causing more issues with my bank account which was to be closed and was n't by the bank themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
After receiving my credit report, I am not happy to see the below items to be inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CONTRACT CALLERS 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:
There is a collection account that just appeared on my credit report. I have no idea what this is or who this is for because I have received no communication from anyone regarding this debt. Because of this, I can not confirm if this is a debt that would have been owed nor was I given the opportunity to dispute this debt should it be found to be incorrect as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In the month of XXXX, I submitted a dispute to Experian in regards to a fraudulent items on my consumer credit report but only did I not hear back in regards to an update towards my dispute when contacting XXXX they stated that they had no information despite the fact of receiving my dispute via USPS mail certified. I am a victim of identity theft and this blatant disregard to my due process via the FCRA section 605B, included in my dispute over the fraudulent items was the following a copy of my current drivers license a copy, my official Social Security card, a copy of my current utility bill establishing identity and address as well as a copy of my FTC identity fraud affidavit. It is damaging enough to have been a victim of a data breach by one of the bureaus ( XXXX ) yet now that same Bureau is not acknowledging my dispute towards items they expose me of.

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 2022-05-18
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am filing a dispute against serve because my card was stolen and fraudulent transactions were made without my permission or knowledge. I was incarcerated when the fraudulent transactions were made. I contacted Serve several times. I filed the dispute with them on XX/XX/2022. I was incarcerated from XX/XX/2022 until XX/XX/2022. I called them on XX/XX/2022 to report the Transactions. The rep told me that they will give me a Privisional Credit by the XXXX business day. The XXXX business day was on XX/XX/2022. I filled out the Fraud Declaration form that they required & Uploaded it to my account. But yet they have still yet provided me with any information regarding my dispute, nor have they provided me with a Privisional Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Despite my efforts to keep a substantial amount of available funds in my checking account on a daily basis, TD Bank continues to implement different techniques from within their policies and procedures to justify the overdraft fees being charged to my account. Over the past 2 days, my checking account has been debited {$70.00} in overdraft charges, despite having the available funds to cover all of my purchases and opting out of their Debit Card Advance program. My account balance has never went under {$0.00} since its inception, however TD Banks policies on overdraft charges does not require an account balance to go under {$0.00}. They have designed overdraft policies that allow for them to charge {$35.00} on checking accounts with sufficient balances. Attached is a record of my transaction history which proves that my account balance has always been sufficient when the fees were charged. The overdraft policy implemented by TD Bank has been designed to use the policy against the customer for the banks financial gain as opposed to the policy creating ways to benefit the customer during times of financial hardship

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
A number of unauthorized debit charges were made to my account in violation of Banking disclosure guidelines jeopardizing my comings and goings in my day to day affairs, including my Credit standing.I contacted Customer service and put in a dispute on XXXX charges in the amount of {$39.00} each. I came in to a Bank branch to speak to someone and found a XXXX for that same amount along with an errant overdraft charge for $ XXXX.The Bank manager offered to remove the {$100.00} overdraft charge pending the completion of the dispute on the XXXX charges. I thought that my problem was solved. Upon a visit to another branch on XXXX/XXXX/15 I discovered that my account had been tapped again.I found that there had been another overdraft charge in the amount of {$70.00} despite the depending dispute investigations. I asked the Banking Representative to investigate my claims and she specified that she would notify the Assistant Branch manager and have him get back to me.I have previously made a complaint to the Consumer Financial Bureau concerning this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Issue: Privacy

Complaint:
I received a TD Bank Privacy Policy Disclosure for my Target Red Card. Offered is the option to call XXXX to opt out of " opt outable '' sharing. It is an automated system. I firmly believe it was designed to be difficult to understand what/how to opt out of sharing. After I pressed XXXX, XXXX and XXXX the line was disconnected. I then called Target Customer Service regarding this. They did opt me out of sharing personal information I am able not to share. I advised I believed the automated system was purposefully misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
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: Account information incorrect

Complaint:
While in bankruptcy protection ( XX/XX/XXXX-XX/XX/XXXX) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXX regarding these unlawful charges ( XXXX onXX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ).  On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX  to correct late payment notices they posted earlier in XX/XX/XXXX prior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX ... and we have the actual checks with the dates each month when they were received and the date they cleared XX/XX/XXXX that very same month, with no additional monies were sent to XXXX  ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX XXXX check ( received in XX/XX/XXXX, cleared by XXXX  XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.

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 2016-12-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
i became XXXX with a XXXX told synchrony bank to activate d XXXX insuramce they did n't answer me! instead they sold the acct to a collection agency this fraud

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 2022-05-18
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8200.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$9800.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00}. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-18
Company: CRESCO CAPITAL 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: Problem with personal statement of dispute

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This is Quicken Loans XXXX XXXX XXXX XXXX Michigan XXXX On on XX/XX/2019 I closed on a FHA refinance loan and During closing my escrow had 12 months of my homeowner 's insurance put into it and I had 10 months of my taxes put into it due to the fact that after closing my homeowner 's insurance was due two months later on top of a payment of XXXX for XXXX well here in XXXX and they did an escrow analysis and they're telling me at the time of closing it was {$1500.00} and some change in my escrow which isnt accurate they're supposed to been {$2400.00} in my escrow I did call them and they're trying to give me the Slick salesman. And talk away from the issue on top of that I refinance FHA loan and my MIP we're supposed to be refunded back to me and that was supposed to been taken off of The Upfront mortgage insurance premium and they never deducted it off of that so that disappeared and I don't even know where that went there legally trying to steal

Company response to consumer: Closed with explanation