BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am writing to bring to your attention an issue I have encountered regarding my recent loan application. Just recently, I received an email from TD bank regarding my cancelled application due to an " incomplete process '' on my end. I have diligently completed and resubmitted the necessary documentation, and I also took the initiative to speak with a manager at TD bank who assured me that the application had been successfully signed. Additionally, multiple representatives in the company along with the manager, confirmed that the application process was finalized and that the funds would be disbursed within a few days. However, it has come to my attention that despite the assurances given by the TD bank team, a technical issue on their end prevented the timely disbursement of the approved funds/approved loan. This unforeseen circumstance has resulted in an unnecessary hard inquiry on my credit report, causing both inconvenience and emotional distress. 

In light of the aforementioned challenges and the discrepancies between the information provided by their team and the actual outcome, I kindly request that the company consider removing the hard inquiry from my credit report/credit bureaus . It is crucial to emphasize that this discrepancy is a result of an error on their end and not due to any oversight on my part. 

I would like to draw your attention to the recorded interactions I have had with their customer service team, where they consistently assured me of the approval and completion of my application. These recordings serve as tangible evidence of the promises made, and I believe they will be valuable in resolving this matter. 

Lastly, it has taken this company nearly a month in a half to contact me. I have tried resolving this matter by phone with their customer service team as reflected below, yet, it was completely useless and inefficient. 


Phone number I called : XXXX XXXX : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone  number I called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Possible Financial Inc
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a complaint against Possible Finance for their failure to respond to my dispute letter, sent on XX/XX/2023, regarding discrepancies in my credit report. The certified letter ( USPS Tracking # XXXX ) was received on XX/XX/2023, but no acknowledgment or response has been provided. 

This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates investigation and correction of inaccuracies on credit reports. The failure to validate or rectify these discrepancies not only undermines the integrity of my credit report but also contradicts Nevada 's adaptation of the Uniform Commercial Code ( UCC ), specifically XXXX XXXX. 

I request the CFPB 's intervention to ensure compliance with federal and state consumer protection laws and to address this failure in upholding my right to an accurate and fair credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: First Credit Services Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I held a membership with XXXX XXXX, which was initially contracted for a 12-month period. However, I received communication from the gym 's cashier informing me of an outstanding balance. At that point, I explained that I had relocated to a different city and could no longer access the gym 's facilities. The cashier then clarified that, according to their membership policy, I was obligated to fulfill the full 12-month contract term, even if I was not using the gym. 

In an effort to resolve the issue, I inquired about the amount required to settle my contract. I was informed that my remaining balance stood at {$190.00}, to which I agreed and subsequently paid. To my surprise, I have now been contacted by a debt collection agency, First Credit Services, claiming that I owe them {$220.00}, and this matter has already been reported to major credit reporting agencies, including XXXX and XXXX. 

I am seeking to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) with the hope that they will investigate and rectify this situation. I believe there may have been an error, and I am more than willing to provide any supporting documents that may be necessary to demonstrate the resolution of my contractual obligation and the improper reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Northstar Location Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/, I went to XXXX XXXXXXXX at the XXXX XXXX XXXX in XXXX New York ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX : XXXX. After purchasing some clothing, the clerk suggested I sign up for an XXXX XXXX Rewards Card. I did so, and was told that Id receive the card in the mail the following week. 

On XX/XX/, I received an email from XXXX XXXX notifying me that my card ending in # XXXX had been activated. I was confused, as I had never received the card. I then received an email from XXXX XXXX 4 days later stating that the activity on my account might be related to fraud. I immediately contacted XXXX XXXX concerning the matter. 

Apparently, an individual or individuals in the State of Georgia had purchased merchandise totaling {$7500.00} on XX/XX/2022, the same day that I had received the email from XXXX XXXX stating that my card ending in # XXXX had been activated. 

Following this incident of fraud, the NorthStar Debt Collection Agency sent a letter asking to collect the debt. Even after I explained it was fraud, they told me all they could do is lower the amount to pay. Since I refused, they told me there was nothing I could do I want to have this form fraud off of my name and be addressed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: CBC Companies, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report it should not be there. THAT IS A VIOLATION. I never gave written instruction to furnish any of the following account Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I've sent out numerous letters requesting the accuracy of my Credit Report on severaL occassions and I did not get a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me As the consumer. 

The following acounts are : XXXX XXXX : Card Account ending XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried making transactions using my AMEX gift card but none of it went through. I called customer service which was not able to help me and suggest that I continue making transactions elsewhere. Ive seen other people on line struggle with the same issue. At this point, I just want a check with the same amount as the gift card.neither XXXX nor XXXX nor XXXX XXXX worked and I am very frustrated and disappointed. It must be an AMEX issue as seen online because my original balance is the same and Ive activated the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/XXXX, at XXXX XXXX, I received a collections call from Comenity Bank. This is absolutely unacceptable, and is very much an attempt to skirt the law surrounding collections calls before XXXX XXXX  and after XXXX XXXX. In addition to this experience, back in XXXX ( I unfortunately do not recall the exact date ), I had to call and complain regarding a similar problem of excessive calls at inappropriate times. In addition to this problem, Comenity was also not honoring my auto-payment agreement that I had created with them. This happened not once, but THREE DIFFERENT TIMES. Each time I asked what happened, they flat-out lied because each time it was never fixed. I made sure most recently that it was set-up, and they admitted on the recorded line that it was set-up correctly but assured me that this wouldnt happen again and it would be paid automatically on XX/XX/XXXX. This did not happen, and I have now been charged another late fee that seems to have increased from last time. More over I have reason to believe that one of their employees gained access to my information for this card ( it is a Kay credit card ) and used it to purchase mens diamond-gold earrings. I came to this conclusion as the card has not left my home since I received it, and Kay themselves confirmed for me that one of their employees could not have gone in and used my card to place the order, especially since the fraudster sent it to my address as they did not have the ability to change the delivery address. This would only occur if the fraudster only had the limited access that logging in with only the card information provides.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: W&A Intermediate Co., LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Vs. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I request all three consumer companies Experian, XXXX and XXXX to update my credit report reflected that my student loan was forgiven. I sent them written correspondence from the original lender to make the correction so far no response.

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 2023-12-10
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I attempted to call the XXXX XXXX Need to make a payment? Visit COMENITY.XXXX of call XXXX telephone number to select the make a payment. Instead of being given the make a payment option the automated system transferred me to a customer service person, XXXX Sunday, XX/XX/2023, at approximately XXXX XXXX. I asked to be transferred to the automated payment center and said someone has set my telephone number up in the XXXX telephone payment system so when I call to pay I am transferred to a live person and I want that removed from my account. XXXX then said something about there being a charge off, told me to tell her my card number and as I went to get the card out of my wallet she said assertively give me your card number. This caused me to respond saying what do you think I have my card in my hand. XXXX then said well you did not say anything so I did not know if you heard me, you do not have to be rude. I then disconnected the call because I was being harassed and being talked to rudely. I had to call back and ask to be transferred to automated payment center to make my payment due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: 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 received an American Express gift card for XXXX dollars from my employer, but so far I have used it at 4 retailers and all were declined. 

I have called their customer service 3 times and each time they tell me that this is for security purposes and that most retailers accept them. However they can not provide a list of acceptable retailers and I just have to keep trying until one accepts the card. This is unacceptable as I'm unable to use the card at this time at any retailers I've tried, and they just keep telling me to try other vendors and can do nothing for me. 

I have used Amex Gift cards in the past at these retailers ( XXXX, XXXX, XXXX ) and it is only this year that things have changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  blocked me from my credit report and no one is as to verify my identity no matter where i go. my bank account is now frozen because of what they have done because they couldn't utilize the current verification process. i have a family to take care of and provided them the information that they needed on more than one occassion and they have completely ignored it by blocking my credit file. this is unheard of! 

I have already provided them my identifying information and they put it on my profile them blocked it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit 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:
Prev complaint XXXX Unacceptable response! The merchant and construction company did not contest the dispute, and accepted it on their end to promptly return my funds to my credit card and to resolve the dispute in my favor. The email and screenshots of this was submitted. I also called merchant directly to confirm this and advised Goldman to do the same. This was never done. Then Goldman closed out the original dispute stating that I said to close this out, in which I did not. Now they are dragging this along, accept for owning responsibility for their error and not resolving this dispute in my favor thus returning my money to me since the merchant sent the response stating this is in my favor. Completely unacceptable. Goldman Sachs needs to connect me directly with merchant on the line, so that we can clear this up. Apparently the emails and screenshots have not been reviewed by Goldman to see that the merchant resolved this in my favor. Thus Goldman is holding these funds on hold where they should have returned it to me and resolve this dispute in my favor. 


I filed a dispute thru my Apple Card for a charge from XXXX on XX/XX/23 in the amount of {$8200.00}. The dispute reached the merchant XXXX immediately, in which their client XXXX XXXX did not contest the dispute and agreed to return the funds to my credit card. This was acknowledged on XX/XX/XXXX per the attached email trace between XXXX and XXXX Risk Operations. This email was furnished to me directly from XXXX  client XXXX XXXX To date, Goldman Sachs - Apple Card has not resolved the dispute in my favor and provided a permanent credit of this amount per above. After placing serval calls to Goldman to check the dispute status, everyone has told me that there has been no updates from XXXX on this dispute, however this is incorrect. The funds should have immediately been returned to my credit card as per above. XXXX attached email from me contacting XXXX on XX/XX/23 confirming that they returned the {$8200.00} to Goldman Sachs Apple Card to m return to my account, yet Apple Card has not done this. Where is my money????

Company response to consumer: Closed with monetary relief