BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My concern that remains is the FICO score was XXXX at this time last year and is currently at XXXX, and went down to XXXX in XX/XX/2020 due to this company 's inaccurate reporting and failure to observe the laws established by the FCRA. I don't know of a process that will allow me to recoup my points because I attempted to consolidate my bills to get a lower interest rate and pay off all of my credit card debts, including this Target Red Card, but was denied due to late payments reporting that should not have been. This just seems like a vicious cycle. I am still looking for a reduced interest rate from this company since I was unable to get a credit union consolidation after I made the last payment on my car loan in XXXX, with a credit union that DID FOLLOW the CARES Act and mailed my title to me with ( 0 ) zero late payments on any of my CBR. I am asking for this company to correct my credit report by removing the XX/XX/XXXX 30 days late according to Section 4021 of the CARES Act which amends the FCRA to address how furnishers report accounts subject to an accommodation. Otherwise, it looks like a FCRA case is in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a stamped envelope for their convenience along with the payment that was owed. It has been more than a month later, and I have not received a receipt and it is still affecting my credit. The money order has been cashed, and I do still have the receipt for the money and proof it was cashed more than a month ago.

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 2018-11-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month XXXX XXXX   and Experian both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.

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 2023-09-23
Company: WELLS FARGO & COMPANY
State: AL
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:
Today, I opened a checking account and once I was through, I received an invitation to apply on the website for the credit card. As it was an invite, I applied then got the turndown message. How misleading to invite me then pull my credit just to decline me. I suggest the credit inquiry to be suppressed as I was mislead into apply for a product I would be denied 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my eleven endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 items 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 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 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 2021-07-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland credit has 2 accounts for me XXXX XXXX one account number is XXXX with the amount of XXXX and the other account numer is XXXX with the amount of like XXXX both of these accounts are from the same company which the correct amount is XXXX we paid the XXXX but midland credit is still charging us an extra XXXX for account XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Exeter Finance Corp.
State: IL
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 noticed unauthorized inquiries on my credit report that I did not authorize, I would like those inquiries to be removed. According to the FCRA these unverified and unauthorized items must be removed. 
Heres a couple inquiries I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a check in the mail from Department Stores National Bank ( DSNB ) issued by Citibank for {$130.00} dated XX/XX/19. It has Macy 's logo and address of XXXX XXXX   XXXX, XXXX XXXX, SD XXXX in the upper left hand corner and refers to a 4-digit " Account ending in '' Macy 's account number that I had to close years ago ( stolen wallet ). The letter states " Action Required! '' and " Discovered that a credit is due on your account. Attached is the check for the amount of that credit ''. The check is not watermarked. 

I see that there was a settlement between DSNB, Citibank and Macy 's but I don't know how to tell if this check is a legitimate payout from the settlement or a scam. There's a reference number ( # XXXX ) on it but not sure what it means. There's a phone number on the check XXXX but I thought I should call Macy 's. Macy 's   said they knew nothing about it. I looked up the number on XXXX and it appears to be Citibank 's but I just don't trust anything on the Internet in regards to these things because I have seen quite elaborate schemes. 

Anyway, I hope you can help me in determining if this check is legitimate. 

Sincerely, 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 2023-11-30
Company: CITIBANK, N.A.
State: WI
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/2023 I was approved for a Citi credit card with a {$5900.00} credit limit. They asked for the card I wanted to transfer the balance from. I additionally put my mailing address in my application as well as physical address. They have no record of them offering me the promotional balance transfer, or the mailing address I entered. They lost my card in the mail and then gave to recourse for their predatory lending practices. I believe Citi should be fined for predatory lending practices because I did not want a credit card without the promotion. They has damaged my credit, it has forced me to pay interest on the other card that I should not have had to and caused unnecessary stress to me and my family.

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 2023-10-07
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have filed with the Federal trade commission about this issues the case number is FTC XXXX. I keep explaining over and over this account was opened with identity theft and they failed to investigate the issues the police report number GO # XXXX XXXX was filed in the XXXX XXXX XXXX XXXX. I have given this company copies after copies and they failed to remove this off my report. I have even reached out to them personally and they still fail to acknowledge this is not mines but insists that my address is on the documents they have and my signature. But have failed to provide me with this information and have yet to see that the address they have is not the address on this so called contract. Therefore this is not even legal according to FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am sending my CFPB complaint to inform you about the accounts that are still reported as late in my credit file. The current status should not be showing late because I paid it on time. The 3 Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$910.00}.

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 2023-09-23
Company: SECURITY FINANCE CORP
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
This will acknowledge your notice of rejection for estoppel for payment due to Abscene of lawful money received on XX/XX/2023 ..... I am now requesting this Company Professional Finance to provide proof without a reasonable doubt that my estoppel doesn't pose a threat to our agreement. When you are making me perform an impossibly and if I don't, you will try legal actions against me, how does me the applicant making you aware of these conflicting laws, not have anything to do with our relationship when it's the basis of the relationship. Now I am asking you to prove otherwise. I have also sent this to all parties involved... We are waiting on your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
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: Account information incorrect

Complaint:
XXXX CONTINUES TO REPORT A BALANCE OF {$27000.00} as of XX/XX/2018 ON THE CAR LOAN THAT WAS SURRENDERED RECOVERED AND SHOULD BE REFLECTING A {$0.00}. THEY ASKED ME TO WRITE TO THEM WITH NO RESPONCE FROM A LIVE PERSON, INSTEAD I GOT A LOT OF COMPUTER GENERATED LETTERS THAT ASK FOR SPECIFIC INFORMATION WHICH WAS ALL INCLUDED IN THE ORIGINAL LETTER TO BEGIN WITH ... THERE SHOULD BE REMEDY TO THESE ILLEGAL OPERATIONS, THEY ARE HURTING MY CREDIT AND ARE TRYING TO COLLECT ON THE AMOUNT I DON'T OWE IN FIRST PLACE PLEASE 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 explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: CA
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:
There are several accounts listed from XXXX XXXX that according to the IRS publication XXXX # XXXX should be listed as income. There are also violations of the FCRA 15 U.S code 1681 ( A ) ( 1 ) 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. These accounts are being updated on a monthly basis even though they became income in the month of XX/XX/XXXX. The accounts in question are : Account name : XX/XX/XXXX Account number : XXXX Account type : Revolving account Date opened :XX/XX/XXXXStatus : Charged Off Date Charged Off :XX/XX/XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name :XX/XX/XXXX Account number : XXXX Account type : XX/XX/XXXX account Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name : XX/XX/XXXX Account number : XXXX Account type : Overdraft Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$4900.00} Account name : XX/XX/XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$2000.00} Account name : XX/XX/XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Meridian Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband and I initially signed the timeshare agreement with XXXX XXXX on XX/XX/XXXX. The representatives had my husband and I sit down for 3 hours to sell us a travel club. Refusing every no that we told them, they kept coming at us with affordable options and bringing in their boss to ensure they made the deal. We were the last couple in there and we could feel them rushing us through the process because they wanted to go home. One of the tactics they used to convince us was that if we kept up with maintenance fees, we could let someone use the condo in our place to receive more points and that we could use our points with our friends and family. We initially only wanted the point system. We have never used or seen the condo at all since we purchased the timeshare. What hit home was when my husband passed away in XXXX. Our income is now less than it was before. When I contacted the resort to rid myself of this condo problem, I ended up being charged two monthly fees instead of one. I have sent many letters, emails, and phone calls explaining that since my husbands passing, my current financial circumstances are no longer enough for me to be able to keep this contract. Yet, they continue to be persistent in keeping me chained to them. I am disappointed in how cold-hearted this company is and how they have treated me. All I am asking for is for an amicable release from this contract to relieve me from this heartache once and for all. 

Them placing our account with Meridian Collections iterated that they do not value us. We have no interest in working with Meridian and need this matter resolved directly through the resort.

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 2023-11-30
Company: TransferWise Ltd
State: AE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated a transfer through WISE from my XXXX XXXX account on XX/XX/XXXX. I use this account to pay my bills as an XXXX XXXX member stationed overseas. The amount was for XXXX which converted to {$2200.00} and was withdrawn from my personal account on XX/XX/XXXX as shown in the statement. I kept checking the status and of course it hadnt completed in time for me to pay my bills. So I contacted WISE and received this generic reply that apparently others have experienced. I expect no movement from them on getting my money back unless they have a incentive to do so, which this complaint may provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Through XXXX  ( a freelance network ), I received a work for website development. Buyer mentioned they can only pay with Cashiers check. I accepted and check was mailed to house. I realized the buyer has overpaid and I reached out. Buyer told me that it was an accounting error, accountant thought I was the XXXX  and the XXXX  - so sent me money for both. He requested that I refund {$1900.00}. I told him, I can only do so after the check clears. Check was on hold by Chase and got added to my balance on Tuesday. I sent the refund as suggested by the buyer through XXXX. On Wednesday morning, chase sent an email saying, they are lowering my balance because the check was fraud. I am not sure why they took 1.5 days holding the check if they did not verify if it was legitimate. When balance was added I assumed Chase did their due diligence. 

When I got the mail from Chase, I immediately called Chase bank fraud department. After 1.5 hours of transferring to different departments, they told me they can not do anything to reverse the transactions or investigate the scam account I sent money to. 
I stated that I understand I may not be able to get the money but I need information about the person whose account the money has gone to, so that I can file police report. Chase rep. claimed they do not have this information and to contact XXXX directly. When I called XXXX they said they don't have access to bank information, they only provide the technology for transaction but banks are able to see which account money goes to, also informed banks can see account names, email, phone number and bank name ). XXXX also requested a XXXX  transaction ID to investigate further on the transaction. When I called chase again, they kept giving me the Chase transaction number and kept saying they don't have any information on the other account, neither they can do anything to help investigate or claim the money back. 

Chase advertises services like fraud monitoring, scam protection, check protection but in reality does absolutely nothing to help customers get money back or investigate a scam. They should check if a check is legit or not before depositing the money in account, specially after holding the money for 1.5 days, a deposit confirmation would indicate that the check cleared properly. They immediately removed the funds next morning but offered no help in helping get the money back or do anything to help other than repeating the same thing over and over. Such banks make it easier for organized scammers to scam people because they know banks will charge the victim and will not go after the criminal. 

My local police at XXXX, TX was much more helpful in trying the get the person behind this. I promptly got a call from detective and received information on where to complaints to help solve the crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: NJ
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 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX ... Account XXXX XXXXXXXX XXXX XXXX Account # XXXX 
XXXX... Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX15 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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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