BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I get a c collection call from discover card and I have never split for a credit car with them, then I check my credit report and filing out that I have XXXX credit cards open on my name 1with discover card, one with XXXXl XXXX, and one with cXXXX XXXXXXXX XXXX and I never applied for credit with those credit companys and now I am in collections and my credit score is in the worst situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Kikoff Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company went silent after notifying the company that they were now in default and subject to the penalties that the Cfpb gives them due to theyre failure to state a claim for which relief can be granted. The company did not possess the authenticated evidence to state a claim, theyre response would hold no merit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I could not get a response after mailing a request in for credit reports ... I tried to do online and it said I had an account it had wrong phone- went to this email Name on file showed XXXX after it closed out- not full hyphenated name!!! Make sure name on file is correct- XXXX and Equifax company keeps switching my name to parts of name or account compromised- online, tried account exists already-? In one spot full hyphenated name show!!! If this is legitimate site then information is being changed for my social security number Remove XXXX I called- no record of account under social use appeared on report -Provide name sources -Errors in name reporting Some systems dont hyphenate so I ask them to close name so it wont seem like last is middle name! 
-PLEASE hyphenate my name!! 
-Dealing with odd things - in home, car etc..cyber theft stalking hacking forgery and more. While I use computer., phone and work crazy activity just today also ... 

Did remove XX/XX/XXXX I Do not have 2 credit cards Disputed XXXX loan type and amounts and XXXX XXXX XXXX loans inaccurate the loans amounts increased! 
I am finding out my info is getting mixed up ... I believe a lot of places are getting hacked ... too many scams I never lived in Texas, Ohio, or California.. I am a Michigan resident all my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Kikoff Inc.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This company misleads consumers. They don't disclose what the actual terms are until AFTER they obtain your confidential details, including social security, open a profile by default that I can't delete. They only allow you to close a subscription account but are retianing my confidential data. I would never have provided them my confidential information had they disclosed to me that they were strictly a department store credit card and there were subscription fees. Again, they disclose this card is NOT a line of credit AFTER retaining my confidential details. They claim to offer other benefits to improve credit scores, such as opening a savings account. And finally, after studying the reviews on the XXXX XXXX XXXX, it's apparent that there are many fake XXXX star reviews. Please note, that the XXXX star reviews are from consumers that have been scammed by this company and provide specific recurring reasons. 

Company Name : Kikoff Website : 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 2021-08-31
Company: BARCLAYS BANK DELAWARE
State: IN
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-11-25
Company: U.S. BANCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have called numerous times and talked to several different customer service representatives inquiring about numerous re-occuring negative balances in both my checking and savings accounts. When I signed up for a savings I asked that they would do a transfer of {$250.00} from my automatic check deposits every two weeks the day they are posted to my savings. Every two weeks there is no {$250.00} deposit in my savings account so I am having to manually put it in. Then my account is popping up with a reoccurring negative balance of {$250.00} at least twice a month, and I'm being charged the daily negative balance fee on top of this. Plus interest according to what the lady just told me on the phone. She claimed that the {$250.00} is refunded the next day but I'm not seeing this in my account. I pulled up every bank statement since May and wrote down the month and dats in which my account was in a negative balance. On every occasion that I was finally at a positive balance was when I had a paycheck deposited and they took that money to make my account positive as well as having to borrow money from others to bring my account positive. They are also taking money from my savings account when I do put money in there to cover the negative in my checking account against my wishes. I added up every reoccurring negative amount since May and added it all up and it comes out to {$4400.00} there has been so many occasions as I told the lady that I make purchases and check my account and the money has been removed for that purchase, but then roughly a week sometimes more later that money will show up as pending and comes out and I am in a negative balance again which they charge me daily for not having money. I asked the lady in XXXX how much is required in the accounts and she said any amount. But then they are charging me? Ive went over statements with a few of my family members in case perhaps I was missing something and they said same thing it just is not making sense or adding up. I'm not getting the {$250.00} in my account. I'm out almost {$4500.00} to date and I'm very upset I'm a XXXX mother of XXXX XXXX I work full time and half my paychecks are going to the bank.

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 2021-08-03
Company: MoneyLion 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: Account information incorrect

Complaint:
Moneylion has reported 2 late payments after I decided to pay the loan off early this show on all 3 of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been trying to buy a house but Equifax outdated information which show me at more that XXXX points at times is hurtful and damaging. Equifax reports my scores much lower than what other actually is!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I took a cab from XXXX XXXX XXXX XXXX to the XXXX XXXX. I was quoted {$75.00} USD and charged an amount reflecting this amount via a card reader. I was not provided a receipt even though the merchant said it would be sent to me. When I looked on my credit card statement I had a charge of {$1700.00} from a merchant titled XXXX XXXX XXXX XXXX XXXX. 

I have been unable to locate or contact this merchant but disputed it immediately. Citibank denied my dispute. I called and asked them to provide documentation supporting their denial as well as a receipt for the purchase or any communication from the merchant. They refused all of the above. I never agreed to pay this amount. I do not recognize this merchant and there is no contact information available.

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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was so stressed I file Documentation last XXXX but I haven't received any response yet. I want those inaccurate and unknown accounts must be DELETED ASAP or I will file litigation.

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 2023-11-26
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
car was traded in want ref on gap and ext warr all was finance w loan

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 2018-04-21
Company: EQUIFAX, INC.
State: MD
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 filed a dispute with Equifax referencing discrepancy in XXXX and XXXX reporting. In result XXXX 24-month payment history remained pulling down Equifax Score which is XXXX points less than all other  consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 XXXX response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: DISCOVER BANK
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a discover XXXX credit card. I am supposed to be guaranteed approval if i am a XXXX  They are not suppose to do a back credit check and my source of income is my leftover financial aid payments. Why am i not approved? This company is not following its guidlines and is depriving me of my college perks that im legally qualified to get based on my enrollment and my financial aid income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Bread Financial Holdings, Inc.
State: CA
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:
Hello, My name is XXXX XXXX. My complaint is with the company comenity NFL card through Bread Financials. They call me contacted at XXXX. 
On XX/XX/XXXX, I made a phone to the fraud department on two charges that were not mine through a company called XXXX XXXX XXXX charge of {$150.00} and the other charge was {$350.00} dollars. I told the representative that those charges were not mine and to cancel my credit card which they did. The representative told me to allow 90 days to resolve my case. the charges were taken off several days later. Now on XX/XX/XXXX, I noticed the charges were back in place again and called back that day to find out why these charges pop up again. They said that I will receive a resolution letter in the mail to explain why the charges where not taken off. The letter I received said that they were able to find no basis to support this claim. So I can the fraud department again on XX/XX/XXXX to find out and get an explanation on why I was denied. The talk to representative and only could provide that an email was sent and that the delivery was sent to my address. The problem is that they could not provide me the delivery date and tracking number to those items charged. Also i never received an email on XX/XX/XXXX or XXXX of a charge by XXXX XXXX of a purchase.I just upset that there investage did a sloppy and lazy job on my investage and trying to charge me over XXXX dollars with very limited information 's on my case. I would love for you guys to reach out to them about my case,. I still wanting for them to provide me documentation of the transaction which thewy have not so far. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04
Company: TD BANK US HOLDING COMPANY
State: NE
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:
RE : XXXX Hello, I worked with you guys to get TD/TARGET RED CARD to follow the law under the Fair Credit Reporting Act as they stood in direct violation of them and continued to report information that was fraudulent to the bureaus despite being sent 2 police reports, FTC ID Theft Report, and mountains of paperwork. Their employees we incredibly hostile and rude all throughout and I always ended up hung up, with no callback, after a total talk time of about 15 minutes with the remaining hours stuck on hold, transferred around or " reverified. '' Target has done everything in its power to make this process a literal living nightmare that never ends.  Eventually, I had had enough- and thank XXXX for the CFPB, you stepped in and shortly after I received a letter from targets " Fraud General '' apologizing and ensuring all had been corrected and all drugstores removed with credit line restored.

I waited about a month and a half and still of the bureaus were showing incorrect info I attempted to call the number on the Fraud Generals letter and it just directed me to the main consumer line where the nightmare started all over. after a month of calling every day.. they FINALLY agreed to update it after numerous lies like " payment history is controlled by a computer system and there is no way for us to edit it, and NO you can't speak to a supervisor- then hang up, or " It's illegal for us to change that even though we know its incorrect. I have asked the bureau to check on THREE times and they all keep coming back with creditor verified the information to be accurate- no  change. 

I received a letter today, XX/XX/2019 stating that as of XX/XX/2019 target AGAIN reported to them that the information they are giving is right and I am lying. I even sent XXXX all of the supporting documentation including the note from the CFPB and Targets fraud general. The dispute denial I received today basically says they don ' care and it will remain. It is very negatively affecting my family to move out of very horrible living conditions and is preventing me from securing any more credit the start-up business I am running. I don't know how or why they can so blazingly ignore the law- please help. 

Thank You Very Much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Been paid still hasn't removed

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 2023-11-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. Systems, Inc. sent a letter indicating a debt for {$560.00} for " XXXX XXXX '' as of XX/XX/2023. 
This is not my debt, I have never ordered from or used the service of XXXX XXXX. 
XXXX months ago I found out my " social security number was discovered on the dark web. '' In XX/XX/2023 I locked my credit ratings info with XXXX, XXXX, and XXXX. I believe someone used my info to incur this debt.

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 2023-05-14
Company: OneMain Finance Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a credit card from a company called One Main Financial/ XXXX  I reported that this credit card was stolen out of my car along with other items almost a whole year ago on XX/XX/XXXX. They claimed that they will block the account from further use. I then received the bill around XX/XX/XXXX showing that there were merchant charges on the account around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I then called One Mains customer service at XXXX. I asked them why is there new charges on my card AFTER I called them and reported it stolen on XX/XX/XXXX. The rep stated the account is still open and there is no note that says it was stolen. I strengthened said that Im not paying for those new charges and that they need to block my stolen card from usage. The rep said okI blocked the account from usage. On about XX/XX/XXXX, I received another bill, and this bill had some more Brand New additional charges at other Merchants. So obviously the last 2 representatives LIED to me and told me that they blocked my account. So I called these One Main/ XXXX card people for the THIRD TIME over the same issue. I asked this rep, is my account blocked, closed or open? The rep said the card is open. I said why is my card open after I reported it stolen TWO times before in previous months. The rep said its no notes on the account that says the card was stolen. I asked what the XXXX is going on? The rep claimed that she is not allowed to block the account, and she will have to transfer me to get them to do that. I said that is the weirdest thing Ive ever heard of. I was then transferred to the retention department. I asked why hasnt my account been blocked since it was stolen.rep said, there is no note, but I will block the account. After that call, I then, suspiciously called them right back and I asked the new rep is my account blocked. This rep says no, its still open. I said close the account then.this rep stated that they will NOT close the account and they will not block it, for being stolen either. Then I told them I wont pay anymore on this account and they just need to take me to court that way I can explain to the Judge about their deceitful business tactics and their dishonesty as far as blocking my stolen account. So to make a long story short, even with all of this back and forth, this crooked Company, ONE MAIN FINANCIAL XXXX credit card has refused to block my account after I reported stolen. They also refused to close the account after my last phone call with them on XX/XX/XXXX. 
So this stolen card account is still OPEN almost a year later. They charge a XXXX to XXXX dollar annual fee every year, and apparently that is revenue for the company and apparently, they feel it easier to rack up charges and annual fees. Because againthats revenue.even if the card is stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: DISCOVER BANK
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Discover CC sent me a check offer to pay for services with extended time to make payments without interest after a small fee for it. I used the check to pay {$1500.00} on XX/XX/2023 for a job painting service that the painter XXXX XXXX XXXX was supposed to perform on my XXXX  room. After getting the check and caching it this person disappeared without performing any of the service promised. I contacted Discover Card CS and asked them to stop/retrieve the check and explained the reason, however, they told me they couldn't do it. I informed that I was victim of a scam, but it didn't change their resolution. I have also paid XXXX XXXX XXXX through XXXX 's transfers for his wife XXXX XXXX XXXX, in the amount of XXXX {$1100.00} from a total of XXXX {$2600.00} for a painting/flooring work quoted as U {$3300.00}. XXXX XXXX XXXX and XXXX XXXX XXXX live at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and they advertise their scam business on the XXXX XXXX  and XXXX.

Company response to consumer: Closed with explanation