BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: DISCOVER BANK
State: FL
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:
To whomever it may concern at Discover Bank, I am livid to discover that I have not only been recharged for a fraudulent charge that I disputed with proper documentation for XXXXXXXX XXXX that I never consented to begin with, but also TRIPLE CHARGED on XX/XX/22 for an annual subscription that one can easily verify on my XXXX account that I do not even have one subscription to XXXX. This is an outlandish abuse and negligence for consumer due process. Considering that my XXXX account does not even have a XXXXXXXX XXXX subscription, it is quite obvious that I should not have been charged three charges for a service that I do not even have a subscription to at all and only one of the charges be refunded. Considering that this is my second complaint on this matter and attempts have been made to defraud me out of large sums of money, I am seeking legal counsel and keeping this account frozen until this is settled, as I do not feel safe using this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I never use my Macy 's credit card, but I needed a black tie for a gig ( those were the days! I'm a XXXX. ) and I went to Macy 's at the XXXX XXXX XXXX in XXXX XXXX, California ( on XX/XX/XXXX ) and bought a tie for XXXX dollars ( {$26.00} with tax ). I thought, " Hey ; I have this Macy 's credit card that I never use. Why not use it? '' Then I forgot about it. The first bill I received was in XXXX and it was for... XXXX XXXX and XXXX dollars! I immediately called Macy 's customer service to tell them that I hadn't received a bill until now and to ask that they remove the charges. They refused. I went ahead and paid for the tie, but I refused to pay anything more. 

( I swear I didn't get a bill until XXXX. My wife picks up the mail and sorts it. She didn't see one ; I didn't see one. I hate to think that this might actually be a tactic of Macy 's, but it could be. I've heard they are struggling financially. If they are intentionally delaying the mailing of statements in order to charge late fees... that would be criminal I would think. When I asked a company rep if statements were actually mailed, she seemed evasive. ) I received another bill on XX/XX/XXXX... with another {$40.00} late fee plus interest tacked on! Even though I paid for the tie! So Macy 's had now charged over {$120.00} of late fees and interest for a charge that I paid as soon as I received it! For a XXXX dollar tie! How long were they going to continue to charge {$40.00} per month ( plus interest )? 

I called customer service again. They initially refused to budge, but after spending well over an hour on the phone, often on hold, asking for supervisors twice,... I settled the issue for {$38.00}. ( Plus the original {$26.00}. ) Can this sort of usury be legal? Calculate the imputed interest on a {$27.00} loan for a few months! Well over 1,000 % for what they charged me! Around 400 % annual interest for what they settled for.

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 2023-05-26
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: OH
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I lived in New York state and opened a TD XXXX  Checking deposit account. I tried having a portion of my payroll checks deposited into this account but was shortly unable to login to the account. I recently moved to California and was unable to login to their website- it said " there are no accounts to show. '' I called their customer service number twice and both times the representative told me the only way to resolve this is to go to a physical branch ( which they only have on the East Coast, ) and that there was no way to handle this over the phone, via fax, secure message, or via a video visit. 

It is outrageous that they are holding my money XXXX and refuse to help me in any way and that the only way to resolve this is to go to a physical branch during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Equifax was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: TX
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 never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted XXXX and Experian and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX   XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 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 explanation
Consumer complaint received 2019-05-28
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Every month when I called LendingClub to make my payment they don't post the payment with the same day I called to make my payment if the payment is within the cut off time. I submitted plenty of complaints and ni one called me or sending a resolution of the complaint. O letter no calls. Nothing. 

Recently i called and they advised me that i have a payment that was applied to principal because I paid before the due date. I request the payment to be reversed and apply the payment to the current month but they advised they are not able to do that. 

Also because of the poor customer service asked for a supervisor and they informed there is no Supervisors available. This is no the first time this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
got in touch with them and made arrangements to pay off old account. never discussed XXXX XXXX XXXX because i dont owe it and made it clear i wasnt going to pay it. someone used my name for the account. since im paying on these other accounts they are lying and saying im 1 month delinquent with XXXX XXXX XXXX. this never happened!! trying to do whats right my credit score was XXXX now it has dropped 72 points because they added this old account that i have disputed a million times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote out my personal Check # XXXX made payable to XXXX XXXX XXXX  in the amount of {$240.00}, and posted the check in the USPS Mail Box at the corner of XXXX XXXX XXXX XXXX XXXX XXXX on Sunday evening, XX/XX/2022. 
( which happens to be across the street from my home. ) I was working overnight XXXX  on Thursday evening, XX/XX/2022, and reviewed my WSFS Checking account online - only to discover that Check # XXXX has been modified to be payable to XXXX XXXX XXXX in the amount of {$6600.00} - and was in the process of being cleared by WSFS. 

By XXXX XXXX  on Friday, XX/XX/2022 I went to my local WSFS branch in XXXX ( corner of XXXX XXXX and XXXX XXXX ) to report the fraud. 

WSFS took my information and filled out a form - that included a check box on my willingness to prosecute the fraud ( which I checked Yes ), and informed me that it could take up to 100 Days before the matter was resolved. 

After WSFS, I reported the incident in person at the XXXX XXXX Police Station ( Incident XXXX. ) I also drove to the XXXX US Post Office and reported the incident - and I was directed to the USPS website, and reported the incident again to US Postal Inspectors online. ( US Postal Inspectors ' Reference number is : XXXX ) On Friday XX/XX/2022, I called WSFS customer service and the Customer Service Rep reported that the Dispute # XXXX was noted in my account- but that no action had been taken. 

Following that conversation, I did open a complaint ( # XXXX ) with the Office of the Comptroller of the Currency 's ( OCC ) Customer Assistance Group ( CAG. ) On Thursday, XX/XX/2022, I was contacted by XXXX. XXXX XXXX from the XXXX XXXX Police department and was informed that XXXX XXXX PD had been able to identify a WFS Fraud Investigator - and that Det. XXXX also provided a copy of the fraudulent check and a timeline to WSFS Fraud Investigator. 

On Friday XX/XX/2022, I called WSFS customer service and the Customer Service Rep reported that the Dispute # XXXX was still noted in my account- but that no action had been taken. The Customer Service Rep contacted my local branch and spoke with the teller with whom I had reported the fraud on XX/XX/XXXX. The Customer Service Rep was unable to speak with anyone in the WSFS Fraud Services. On this occasion, the Customer Service Rep informed me that the WSFS policy was that resolution of Fraud related check could take up to 90 days ( which is different from the original 100 day term that I'd be informed of when I reported the Fraud on Friday, XX/XX/2022. ) I feel that I've been reasonable and worked and waited while WSFS has really taken no action. I feel that there fraud related policies are poorly documented, communicated, and enforced irregularly.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX 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 a account without my written instructions

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 2023-09-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
One company is LNLV which just keeps showing, XXXX regardless of the action I take and even a lawyer fixed it ( for an expensive fee ) and it appeared backed on the credit account. 


The second is XXXX XXXX insurance which I replaced with XXXX XXXX XXXX  and both parties have the information, now XXXX caused numerous problems and a significant ( almost XXXX point drop in credit score ). XXXX IS A FRAUD!! THEYVE REFUSED TO FIX DAMAGE TO MY VEHICLE UNLESS I PAID {$1000.00} Co-Pay ( not even in vehicle, I was working inside! The driver drove away ). Regardless, when XXXX offered a lot less than {$510.00} a month, I cancelled my a XXXX policy via Phone, E-mail, Paper mail with stamp, faxed to corporate office. In addition, any debt owed to XXXX XXXX XXXX I paid in full. Then re-advised not just my local office, but XXXX corporate office in all the above mentioned ways. They demanded money after no debt was owed to them, they also dropped my credit score and made me an at risk customer in the database out of spite. 

LNLV a needs to be removed once again. If they have an issue, I will bill them my previous legal bills ( they wont forget again ). 

In addition, XXXX needs to remove any and ALL debt. THEY ARE COMMITTING FRAUD! I HAVE PAPERWORK THAT SHOWS ALL PROPER STEPS WERE TAKEN TO CANCEL MY POLICY AND PAY ALL DEBT. I HAVE PROOF THAT XXXX HAS BEEN MY ACTIVE AUTO INSURER!! SHAME ON THEM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-09-28
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Exeter Finance Corp.
State: CA
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:
XX/XX/2023 contacted XXXX XXXX XXXX No information can be located Possible mistake System doesnt go back that far. 
I was told to dispute and the will approve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: NCB Management Services Inc.
State: CA
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 have tried for many years to dispute this item of my credit with XXXX. They have failed to look at the facts and request a copy of the original contract. I have also tried disputing this item with CFPB as well. I now have supporting documentation to show the dates and information provided to the credit bureaus are fraudulently being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-09-28
Company: EQUIFAX, INC.
State: CO
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:
This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/2020

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