BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a dispute to Discover XX/XX/XXXX, with dispute number XXXX about services from a merchant. I had 30 days to submit documents, however, Discover closed the dispute case without even considering my documents. I called them on XX/XX/XXXX to reopen the dispute and they said they will not as this is a direct line of communication between them and merchant. They only considered the merchant 's response in completing investigation and refused to reopen investigation. Furthermore, XXXX, the supervisor I was speaking with stated she can not continue investigation because while I was not satisfied with the service and service was not as advertised on merchant 's website, I can't dispute that and they will take merchants side. However, on discover 's how to dispute credit card, it says directly that " Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasn't as advertised when you charged your card to pay for it? While you'll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I gave evidence to Discover that services are not as advertised and they said that they could not open the dispute because I can't dispute a charge if I wasn't satisfied with quality. However, on their dispute process, it clearly states that is one of the reasons to have a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I've attached the complaint letter I filed with Chase/J.P . Morgan on XX/XX/2021. 
I received a phone call from XXXX XXXX today, XX/XX/2021 apologizing, and saying that my funds are now available. And that's it. Nothing about the delinquency in the branch not depositing my funds as directed by another financial institution and on time. He made it clear that Chase " would not be compensating me for this experience, but he apologizes and it shouldn't have happened. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$960.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XX/XX/2021. We removed our Credit Freeze to use our Credit. We required a Loan to Buy a replacement Car. 
We were turned down by some Lending Institutions. We did secure a Bank Loan and make a purchase. My Wife received notifications from Credit Reporting Agencies. One Agency saw fit to send my Report to MY DEAD FATHER. OR was it my REPORT? Whodunnit : equaf.. in GA AGAIN. I've been Victim of Identity Theft. This has to stop. It is required by Law we get these notifications when our Credit is declined and by whom. They have XXXX  this AGAIN. Collecting and dispersing my DEAD Father 's Data as mine AGAIN. I've called many times since. Promises, promises ... The Ball is in your COURT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Email sent XX/XX/XXXX : I am having a recurring problem when trying to add an employee card to my AAdvantage Aviator Business Barclays account. I get an error message : " Employee not added. The information you have entered is incorrect. '' After spending two hours on the phone and speaking with eight employees over the past two weeks, I still can not add my employee.

I don't understand why the information I enter is incorrect about one of my employees? Also, why has no one been able to resolve this issue? 

XX/XX/XXXX Spoke with XXXX  Supervisor opened XXXX # XXXX was told she would follow up with me however yet to hear from her. Spoke with XXXX  Supervisor opened Case # XXXX regarding Employee Card Point Extension, was told would follow up however yet to hear from her. 

XX/XX/XXXX, and XX/XX/XXXX Received calls from XXXX  from Barclays Office of the President was provided a callback phone number, however when calling it goes to a general voicemail and I have left several voicemails. One voicemail in particular detailed a good time window and phone number to call me at, however yet to speak with XXXX. XXXX  stated in her first voicemail on XX/XX/XXXX she would follow up with an email, yet never received one. On XX/XX/XXXX received an electronic letter from XXXX  stating to call her to manually add an employee card, as technical difficulties still exist for me or regular credit card representatives or supervisors to add one. However, once again when trying to reach her it goes to a general voicemail. I sent a comment to her electronic letter and have yet to hear back. 

XX/XX/XXXX Comment sent to her electronic letter : XXXX, I have attempted to contact you several times via phone and each time it goes to a general voicemail. In your initial phone call, you mentioned you would be sending me an email which I never received. I hope you can assist in adding my employee and providing a refund of my annual membership fee, and providing non-monetary relief in compensating points given the exasperating experience I have incurred. I have included the employee information below to manually add the employee card. Also after speaking with several representatives they assured me that as it has passed 30 days to add the employee card due to failure to be able to do myself or any representative I would still be able to receive the sign-on offer. 

XXXX  and prior representatives have failed to follow up on Case # XXXX regarding Employee Card Point Extension or Case # XXXX. 

I have made every attempt to contact Barclays, by phone, email, and voicemail, yet no one is able to assist or provide an update on the cases. Further, I am not able to reach XXXX  Office of President associate who states she is the only person who can help.

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 monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: PA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
This is my 2nd time reaching out to you and no accounts were deleted. This letter is a formal complaint that you are committing identity theft. You have failed to produce any documentation that shows I directly gave your company written authorization to place these items on my credit report. 
I am upset that you have included the information below in my credit profile. There are laws for credit reporting that ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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 fraud alerts or security freezes

Complaint:
I have contacted XXXX many many times and each time they state the problem will be taken care of. I have been using them for years and never had any problems. I had placed and removed a fraud/freeze alert on my account and even received the notifications from the bureaus of it being removed, yet anytime I attempt to purchase anything through XXXX  it denies me stating I have a freeze on my account. I like using them to avoid credit cards, and it is really terrible the customer service can not correct the problem, and no one responds via online even though it is always confirmed they have fixed the problem.

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 2023-05-16
Company: Auto Trakk, LLC
State: NC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover card disputed my claim wrongfully and will not take ownership of their mistake. Claim was submitted as Services not rendered instead of Services not as described, in the financial world this makes a huge difference on claims because it is two different reasons however discover states this would have had no effect on my case which is a lie also claimed the reason codes are the same for these reasons and that is also a lie. Attempted to speak to a supervisor but they just declined my claim and charged the fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: LD Holdings Group, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, I XXXX XXXX cancelled my contract with Loan Depot for a cash out refinance loan on my home that was already financed with XXXX XXXX. According to my contract, I had the rights to do so before XXXX on XX/XX/2021 based on California time zone and I did just that. I emailed my cancellation notice to XXXX XXXX XXXX XXXX. I also told Mrs. XXXX XXXX the very next day that I had cancelled and she asked me to send her a copy of my right to cancel to her email and I sent it to her. According to the contract, they supposed to have unfounded the loan which I am aware of and if I wanted to proceed with the loan I would have to start the process all over- understood. Two days after cancellation I arrived home from work and there was an XXXX package at my house with a check to send to XXXX XXXX to pay off my car in the amount of {$11000.00} but I didnt send the check off because I knew that I had cancelled my contract. Five days later I received a wire transfer to my bank account for {$19000.00}. I was ready to return the funds back but Mrs. XXXX XXXX told me to keep the funds but write a letter stating that I basically wanted to keep the loan. I had already explained to Mrs. XXXX and Mrs. XXXX my current condition and that I was thinking of doing something else with my Mortgage instead of proceeding further with the contract but in the meantime I was so unaware that they had even sent any money to XXXX XXXX to pay off my home mortgage until I received a notification and a letter from XXXX XXXX. I was told that they were going to unfund the loan and we would have to start all over but I told Mrs. XXXX that I am not going to resign or continue with the loan because I had other plans with my mortgage due to my own personal issues. I later received a text message from Mrs. XXXX basically telling me to keep the funds and told just write a letter stating that I wanted the loan because XXXX XXXX will not return their money. I dont blame XXXX XXXX because Loan Depot is aware that I cancelled my contract but I should not be held liable under no circumstances whatsoever to proceed with the contract or make any payments to a company that I cancelled to do business with. Some one at Loan Depot is to blame for this issue and all of my countless nights of not getting any sleep and adding to my XXXX  and XXXX  problems. I feel that they are trying to bully, manipulate, and scam me into signing a contract because of their screw up by not following their own Companys contract rules and procedures at Loan Depot and I am refusing to continue business with this company altogether but I am wondering how many other people have they done this too before. This is illegal and unlawful under the federal law and they should be held reliable for their actions. I can be reached at XXXX-XXXX-XXXX. Thank you so much for your assistance, time, and praying that you can help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Kriya Capital, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management out of XXXX Texas call my husbands phone number looking for me. His Robo killer kicked in. I looked up the company they appeared to be legitimate. I called them back and received a live human being. I asked her what this was about and she said she did not know because my phone number was not in their system and therefore I probably did not have a debt. I asked her if Im not in your system why did you call me. She could not answer the question because she said she wasnt the person who originally called. she did say it had something to do with XXXX XXXX XXXX and XXXX. I was told that I was on a recorded line at which point I told her that this is a do not call number and she wants to forward my response to the higher-ups or to the appropriate department. Here is what I said to her, I am reporting you to the do not call list. I have reported them to the XXXX XXXX XXXX as well. 

When I got off the phone with her I pulled my credit reports to find that credence resource management did a soft inquiry on my experience report on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Tower Loan of Mississippi, Inc.
State: LA
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:
The fo

llowing information is outdated. I would like it removed from my credit history report Immediate delete this inaccurate account from my credit report a collection account is late by default therefore it can not report a late payment. Immediate delete this inaccurate account from my credit report XXXX  is reporting the date of last activity as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. It is a violation to re-age a collection account. Immediate delete this i
naccurate account from my credit report

Company response to consumer: Closed with explanation