BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: GA
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:
I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and an erroneous late payment posted on my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( 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. 

I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on my personal cellphone number for someones debt that was not mine. They would not provide how they got my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 I opened a Citibank account online so I could access a XXXX payment of XXXX $ from a friend and cash out XXXX $ from a XXXX XXXX. I mistakenly tried to send a wire twice which resulted in a block on my account. I didn't think this was a huge issue but when I called they refused to tell me how to unblock my account as instructions had been sent in a " letter ''. I explained that the " letter '' had been sent to the wrong address. They refused to send another stating " we only send one ''. I called again after some digging online to find out what that letter may have said and explained that if my identity verification was all that was needed, I'd be happy to send that document but they refused to say what secondary documents may be needed. They said the account had been moved to closure and verifying my ID wouldn't help, it was over, nothing they could do. The remaining balance would be sent to my address after closure in about 30-60 days. 
Months later, the account was still open. I requested it be closed or that find a reasonable way for me to verify my identity to remove the block so I could access funds ( I live 12 hours away from a branch ) they said they would move it to be closed immediately. 
First week of XXXX I had an appointment with a personal banker who assured me the account would be closed within days and funds sent to the address on file. No further action needed. 
But then last week I was distraught to find the account was still open and still blocked. I called several times before I was connected to a very rude " specialist '' who said that even if they closed the account, the money would be held by them indefinitely because it had not been " verified '' meaning I had not ( or as she said " the account holder '' ) proved the money was mine before opening the account. That in order to verify the money belonged to account holder, I'd have to contact employers, friends, XXXX or anyone that had given me money to start the account. I had no idea what she meant, I have never heard of having to verify that money is mine before using it to open an account? She refused to explain further and lied staying that I'd be given a call at a later date. 
As of now the money ( about XXXX $ ) is still sitting in this blocked account. I've been promised countless times that it would be refunded at account closure but they refuse to close the account even after 7 months of inactivity. I was told I have no recourse. They have ruined me.

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 2022-08-30
Company: TD BANK US HOLDING COMPANY
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
date : XX/XX/2022 amount : {$2000.00} My TD credit card was stolen 3 months ago and was used for {$2000.00} at the XXXX XXXX 
I got a text asking if it is me and sent back No immediately and also called the TD credit card and it was stolen. they closed the card. 

I spent so much time waiting in line for the call to get this resolved. I even faxed the police report for the case. But they don't give any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: DISCOVER BANK
State: OR
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:
On XX/XX/ I purchased a home scenting system as well as two bottles of scenting liquid from a company called XXXX XXXX for the amount of {$480.00}. I received the items on XX/XX/ XXXX I opened the items out the box and tried to use the scent diffuser and noticed it was malfunctioning. It would spew liquid everywhere and would not stay turned on. I also noticed that one of the bottles of liquid scent had opened and leaked out of the other bottle. I immediately contacted the company XXXX XXXX on XX/XX/ and requested a return shipping label. After several days they reviewed my request and reasons and issued me a return shipping label on XX/XX/XXXX XXXX  and I mailed the item out that day. On XX/XX/ I sent XXXX XXXX and email as I had not received my refund. They informed me they had received the return on XX/XX/ and that I should receive my refund in 10-14 days. They also stated that if I had not received the refund by XX/XX/ that I was to contact them again. On XX/XX/ I sent them an email as I had not received my refund. They responded to me on XX/XX/ and they apologized and stated that they " had coordinated my concern with the appropriate team and they would follow up in 24-48 hours ''. I had still not received my refund on XX/XX/ so I sent them another email. They did not respond until XX/XX/ and they said that since I had submitted a dispute I had to wait 75 days for an answer. I filed a dispute with my credit card Discover Bank and they gave me a provisional credit on XX/XX/. They sent me an initial letter saying they would review and would update me accordingly. They never responded to me and reversed the charge bank in XX/XX/. They never sent me a reason or rational as to why my credit was reversed and not made permanent. I supplied them with all of the detailed information as well as copies of the email correspondence I had with XXXX XXXX Then Discover Bank sent me a letter telling me they " would continue to investigate my dispute ''. This is unacceptable and they have failed to due their due diligence. This is unfair, deceptive and abusive. I purchased a defective product and returned the product as requested. I went over and above to supply Discover Bank with enough information to make a decision. They have failed to openly communicate with me or tell me why they reversed my provisional credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX : BANKRUPTCY XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PSA ACE XXXX XXXX Home Equity Loan Trust, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX XXXX NOTICE OF VERIFICATION DEBT I am writing this letter is directed to XXXX XXXX XXXX XXXX to validate the Debt, in connection of the Proof of Claim filed on regard XXXX XXXX Home Loans XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Trust, ACE XXXX dated XX/XX/2019, for the value of {$360.00}, XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). 

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the original creditor that authorize you to collect on this alleged debt. 
2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt.

4. Release correct copy of all XXXX, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust.

5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6. Proof that the statute of Limitation has not expired.

7. Complete payment history on this account along with an accounting of all additional charge being assessed.

8. Commission for debt collector if collection efforts are successful.

9. Any Judgments obtained by any creditor regarding this account.

10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent.

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I decided to apply for an American Express XXXX XXXX XXXX credit card. Prior to applying, I did a lot of research about which card to get. I was planning on making a big purchase ( pre-paying my insurance for the year ) and so I was specifically looking for a card with 0 % XXXX for the first XXXX or XXXX  months. The American Express XXXX XXXX XXXX credit card offered not only that, but also a {$250.00} bonus after spending {$3000.00} in the first 6 months. 

I eagerly applied. When I did, I received a notification that American Express needed a bit more time to process my application, which I assumed was normal. A little while later, I received an email from American Express letting me know that my application had been approved. I received the card shortly thereafter and started spending. This past Thursday, XX/XX/XXXX, I realized that I had spent over {$3000.00} on the card but had not received the bonus. I reached out to inquire as to when I could expect the bonus and was told that there was no bonus on my account. Not only that, but I would not be receiving the 0 % APR for the first 12 months. 

I was told that, because I had received another offer on an American Express card at some point in the past, I was not eligible to receive a promotion on this card. That makes sense and seems reasonable. However, my issue is that I was never notified at any point in the processfrom the time I applied, to the time I received a confirmation email telling me I was approved, to the time I received my card in the mailthat I was not eligible for the promotion. When I reached out to American Express, I was gaslit and told that I had in fact been informed. ( As an aside, I am a CEO of my own company and I read each and every document that I come into contact with thoroughly. I am 100 % positive that I was never informed of this information. ) I asked the representative to prove it by sending me the documentation showing that I received this notification. Surely, in the year XXXX, that would be easy to pull up for an advanced, highly profitable credit card company? He refused. I asked if he could honor at least the 0 % XXXX, given that I had already spent money on that card anticipating having time to pay it off. Again, he refused. 

I believe that American Express used a deceitful practice to not inform me of my ineligibility. As I told the representative, if I had this information when I applied, I wouldve canceled my application and applied for another credit card. ( There are several out there that offer 0 % APR for the first year. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: EQUIFAX, INC.
State: GA
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:
I have reached out to XXXX to let them know they were reporting incorrect payment for XX/XX/2019 They stated that they would update the credit bureaus to reflect no late payment for XX/XX/2019. I decided to check my reports due to an alert indicating XXXX being reinvestigated, only to find out that XXXX has made the dispute worst by continuously report incorrect information to both XXXX and Equifax. I contacted both agencies and this is what they said to me : " XXXX  stated that they received an electronic notification back from XXXX indicating a 30-day late payment for XX/XX/2019 is correct. Equifax stated that they received an electronic notification from XXXX indicating a 60-day late payment for XX/XX/2019is correct but they did not provide any actual or physical supporting documentation to support their claim but stating account has been 30 to 60 day late and verified payment for XXXX is correct. '' XXXX has sent me documents to show that I was never late in XX/XX/2019, yet they are still reporting to the above credit bureaus that I am. I have sent those same documents to both credit bureaus to correct the XX/XX/2019 payment to reflect Ok- paid as agreed. They will not change it because they said it's the creditor ( XXXX ) responsibility to make the change. Per the Fair Credit Report Act, the creditor & credit bureau must report accurate and verifiable information. In this case, they both are clearly in violation of the FCRA Law and they have caused major damaged to my credit rating and score since XX/XX/2019to current. 

Facts : Home was sold on XX/XX/19 and XXXX received full payoff as of XX/XX/2019. So, how can I be 30 or 60 days late for XX/XX/2019when they received full payment on the loan with the documents attached. By the way, 30 days late does not start until XX/XX/2019, and loan was paid off on XX/XX/2019..less than 30 or  60 days late? The fact of the matter is, they are reporting incorrect lates against me for XX/XX/2019 with XXXX and Equifax. If this is not corrected in a timely matter, I will be seeking legal counsel for damages. 

Enclosures : XXXX Credit Report for XXXX Equifax Credit Report for XXXX XXXX XX/XX/2019 History to prove I was never late in XX/XX/2019 Closing Disclosure dated XX/XX/2019 from the sale of the home Escrow Refund Check dated XX/XX/19 P.S. How can I be 30 to 60 days late for XX/XX/2019 when the loan closed on XX/XX/2019 and the Cancellation Of Deed To Secure Debt dated XX/XX/2019 does not constitute a late payment when XXXX received all funds on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A credit card application was submitted in my name without my consent and/ or knowledge of the application until I received a inquiry alert.

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and XXXX XXXX DEROGATORY ON CONSUMER CREDIT OF XXXX XXXX, 15 u.s.c. 1681a and 15 USC 1681 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CONSUMER REPORT 15 u.s.c. 1681a and 15 USC 1681 VIOLATIONS, DELETIONS TO CONSUMER REPORT Reporting Utilization is illegal ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice 15 USC 1692 K and 1640 Civil liability. Delete from consumer report immediately.

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 2019-09-22
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:
Someone Stole my identity. I don't Know how they did it But Please help fix this Situation 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 2021-03-17
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXXlists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX out after the disputes, which I confirmed via a phone representative at XXXX  on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with Affirm. However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XX/XX/XXXX out/cancelled due to the disputes, and there was aXX/XX/XXXX balance. But XXXX  continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. There is a third installment loan of {$40.00} on my credit report from XXXX. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. XX/XX/XXXX continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. The screenshots I have attached show I owed XXXX, and I have paid XXXX, as the loan amounts were either disputed and then refunded, or refunded directly by the merchant. The other screenshots show how XX/XX/XXXX has incorrectly reported these balances on my credit report. These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be *correctly* reported to the CRA within 90 days. There are 0 sections that prohibit deletion.

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