BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Filed a previous complaint XX/XX/2020 for Discovercard sending a postdated threat of legal action/lawsuit if I did not pay by the postdated date stating in the threatening letter sent to me. I did go on to make payment arrangements with them on the premise that I was told in a recorded conversation that if I had difficulty making this monthly payment that they would work with me. 
When in fact I did need them to work with me because I was trying to get back into the workforce to be able to meet the payments, I was yelled at by a Discover debt recovery representative, and also threatened. 
I have now learned they have a lawsuit pending against myself tbrough XXXX XXXX XXXX. I was not served for the pending lawsuit, or informed or sent a summons to this date of today. 
Discover gave me a phone number to call XXXX XXXX XXXX that is not a working number, and just answers and hangs up, leaving no way to reach XXXX XXXX XXXX. to try to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: JPMORGAN CHASE & CO.
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:
Person 's using my credit information opened up a credit line that i didn't open and using my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: IL
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:
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 All of these companies have ran my credit profile, not of my knowledge. I have been a victim of fraud, and I did not consent or apply for anything with any of these companies. I have not had any service done by none of these companies. I have never called or applied with any of these companies. I believe it was fraudulent activity not knowing of my knowledge.

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 2019-06-27
Company: Mr. Cooper Group Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received a notice in XXXX of 2019 that XXXX XXXX XXXX transferred my mortgage to Mr. Cooper effective date XX/XX/2019. Mr. Cooper has not been reporting my mortgage payments since they acquired my loan. I have being making timely payments with them and none of my payments have been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a credit card bill for my Target REDcard ( issued by TD bank ) for the statement ending on XX/XX/XXXX. 

In my online account, I added the routing and account numbers for a funding source and proceeded to pay the bill. The payment was made in full on XX/XX/XXXX. 

Four days after the bill had been paid, my online activity was telling me the payment had been returned. The next statement had ended on XX/XX/XXXX resulting in an interest charge and a returned payment fee. I called customer service to find out the cause of the returned payment. The customer service representative informed me the bank account transfer came back with the status of being the wrong account number. The customer service representative was helpful in providing the account number I had submitted prior and I compared it to the number it intended to be. The result of that conversation was that the last digit of the correct account number should have been a '5 ', but instead, it was a '4 ' that was submitted. It was clearly the work of a data entry error. 

I asked the customer service representative to please undo the returned payment fee and the interest. She successfully reversed the interest charge but would not budge on the returned payment fee. I told her, what happened was an honest data entry error with the complete intention of paying the bill in full and it doesn't merit the {$27.00} returned payment fee. I was told it is company policy to not reverse returned payment fees. For the purpose of ending the call hoping to get a more helpful representative in the future, I thanked her for the interest reversal. 

On XX/XX/XXXX, I made the payment in full. 

Days later, I called customer service. I explained the situation that I accidentally typed the account number wrong with the incorrect last digit by mistake and asked if the returned payment fee can be reversed. Again, I was met with being told it isn't the bank 's policy to undo it. 

On XX/XX/XXXX, I paid the {$27.00} bill resulting from the fee. 

Over the course of the proceeding spring, I called approximately once a month to see if a helpful customer service representative would hear my request. Each time, I was told it wasn't going to happen. 

Attached are three documents : XXXX shows the original bill. 
XXXX shows my payments, returned payment fee, and interest charge. 
XXXX shows the reversal of the interest charge and that I paid the returned payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was contacted by XXXX on XX/XX/2018 saying that someone had tried to open a credit card in my name in a different state. Afterwards I checked my credit report on TransUnion and saw that someone tried to open a XXXX account using my information. I called TransUnion who said they can't do anything until I contacted XXXX. I contacted XXXX who said that no account was opened and must have been stopped. However I needed to contact the CFPB in order for TransUnion to take the XXXX inquiry off my credit report. So I am submitting a claim hoping to get the inquiry taken off my credit report.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: NC
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've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as Experian, XXXX, and XXXX with non of them properly updating the info

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 2021-05-28
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was treated with respected and professionalism, until I uploaded a copy of my ID. The sales rep and manager both grossly discriminated against me for being XXXX. I was told my ID and paystubs were fraudulent so my loan was declined. XXXX informed me that he and XXXX both saw red flags after receiving my ID. They both questioned the amount of income I made. XXXX requested that I prove my income by sending over my year end paystub. XXXX said, MainOne Financial fraud department reviewed the file, pulled a SSN background report, among other reports and based on what returned they informed XXXX to decline my loan. I was never asked to bring in a copy of my ID. Once I discovered my loan was declined and the reason why, I insisted that I stop by and bring in a copy. I met face to face, with XXXX the manager, who said my ID was still fraudulent. I have a previous loan with OneMain that Im currently paying on. Ive been paying on this loan for 2-3 years. My payments are on time and deducted by ACH from my personal checking account. They have a previous ID on file and they have my previous paystubs from the same employer. Ive been with the same employer ( XXXX XXXX ) for 10 years. The only red flag was my XXXX XXXX, they saw on my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing CashApp services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I obtained a payday loan from Speedy Cash on XX/XX/XXXX for $XXXXThey were to be paid in full as of XX/XX/XXXXThey were to be paid biweekly $XXXX until XX/XX/XXXX from XX/XX/XXXXThe first payment was successful in the automatic draft starting XX/XX/XXXXThe second payment was scheduled to go through on XX/XX/XXXX and I was short $10-$20 for it and the bank hit me with the NSF of $XXXX and then speedy cash changed the payment to $XXXXI had recieved my paycheck and made an independent payment of $XXXX on XX/XX/XXXX to cover a portion of my payment and some of what was still owed, however the payment processed and speedy cash still drafted automatically the payment of $XXXX which hit my account with another NSF as they had just been paid.They sent me to collections of which I explained they were paid on XX/XX/XXXX and they advised me to send in a bank statement even though they could see this payment and they were to follow up However they did not follow up and they drafted my account automatically for $XXXX - they were to be paid back in total almost $1000 and now a $XXXX loan cost me more than $1500on another occasion it was an emergency to do another payday loan while I was disputing this current one and while I have documentation stating the loan was paid in full I asked the rep behind the counter if this would be sufficient to show paid in full as they were paid cash and the rep said there would be no drafts from the account and again they drafted $XXXX  from my account.In total the payments they received total more than ever loaned and ever quoted to be paid back by more than $600as of now they are stating that I owe almost $700 - for what? a loan - not again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, This is a follow-up to an unauthorized credit inquiry for requesting more evidence # XXXX, # XXXX. Please review XXXX SECTION 8, page 20 listed as : XX/XX/2019 DSNB/BLOOMINGDALES

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 2018-11-28
Company: Credit Karma, LLC
State: WA
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 have several hard inquires on my account that shouldn't be there. I don't have the right contact information to ask that they review and get them taken off. 

XXXX XXXX  Inquiry from XX/XX/XXXX I have no idea what this one XXXX Inquiry from XX/XX/XXXX I want this reviewed and taken off. 

XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX I want to have these reviewed and taken off XXXX/XXXX  Inquiry from XX/XX/XXXX i have no idea what this one is

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-10-26
Company: HYUNDAI CAPITAL AMERICA
State: MA
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:
Huyndai processed my monthly payment incorrectly without my knowledge and as of result reported me late tot he credit bureaus. I made my monthly payments and for 2 month they were applying a portion of my payment to excise tax without my authorization- they paid the tax with the money from the regular payment and as of result my credit score has significantly been impacted i called and submitted a dispute but they refuse to remove it from my credit score - once i got an alert i called them and immediately paid everything to bring the act current.

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 2021-10-26
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX processed my monthly payment incorrectly without my knowledge and as of result reported me late tot he credit bureaus. I made my monthly payments and for 2 month they were applying a portion of my payment to excise tax without my authorization- they paid the tax with the money from the regular payment and as of result my credit score has significantly been impacted i called and submitted a dispute but they refuse to remove it from my credit score - once i got an alert i called them and immediately paid everything to bring the act current.

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 2017-11-29
Company: EQUIFAX, INC.
State: HI
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:
On my XXXX credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, INC.
State: UT
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:
In XX/XX/XXXX, I noticed that my credit report from Equifax listed an invalid address : XXXX XXXX, XXXX XXXX, UT XXXX I never lived at the address. In fact, the address was invalid with just some numbers. 

On XX/XX/XXXX, I disputed the incorrect address with Equifax. On the same day, Equifax responded ( Confirmation # XXXX ) : " We have reviewed the former address. The disputed address has been deleted. '' A few days later, I checked the Equifax report again and the incorrect address was still listed. I contacted them again. On XX/XX/XXXX, Equifax responded again saying ( Confirmation # XXXX ) : " We have reviewed the former address. This item has been deleted from the credit file. The disputed address has been deleted. '' Although the address was still listed in a fresh copy of the Equifax credit report, I thought it might take some time to drop so waited. After almost two years, I checked my Equifax report again in XX/XX/XXXX, and noticed the invalid address was still listed. After disputing the report again, Equifax responded on XX/XX/XXXX ( Confirmation # XXXX ) : " We have reviewed the former address. The disputed address has been deleted. '' However, after pulling a new Equifax report, the invalid address is still listed. 

This incorrect address is not listed on my credit reports from XXXX or XXXX. My financial institutions also confirmed that they are not reporting that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: NY
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:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
After a dispute with my financial institution I decided to close my primary banking account with XXXX which was effectiveXX/XX/XXXX Prior to this I did have a dispute in progress and had the account frozen to prevent any further funds going in or out. On XX/XX/XXXXI made a payment to my capital one card and their system updated it for the amount of {$330.00} On XX/XX/XXXXI had been sent notice the account payment was returned. I figured there was a glitch on my behalf and attempted another payment for {$450.00} on XX/XX/XXXX and was notified that this to was returned on XX/XX/XXXX. 
After this occurred I began getting calls from Capital one trying to " verify '' with my bank that I was the only one listed on the account - this process included them present on the line while I verified my passcode and security questions - total invasion of my privacy. 
After this I tried to use my other bank account but was unaware of the cost of fees for courtesy pay and miscalculated my funds and had another attempt to pay the balance. I used a pre-paid debt card - there was money on the account - this was an XXXX XXXX serve card. 
I made a payment that was also returned - I was bewildered by this - as there were funds on this card to specifically make that one payment and nothing else. This was done XX/XX/XXXXand by XX/XX/XXXX I had the notice the payment was returned, I attempted to call into the bank but did not due to the wait time and finally set up the payment to be processed as an scheduled payment to a payee through the XXXX XXXX account. 
This took a few days to process however by XX/XX/XXXX the capital one payment of {$310.00} has posted bringing my balance to {$240.00} - however capital one reported to my credit that I owe an amount of {$560.00} and am over 60 days late This information could not be more incorrect Finally frustrated I called into capital one to discover they have closed my account and reported this as behavior inconsistent with those they like to have their accounts perform in - I did get more than upset and reported this to capital one who stated to destroy the card and they will continue to send statements until my balance is at {$0.00}. 
I understand where there could be trouble however my complaint is at this time inconsistent reporting and at this time damaging credit scores due to their expectation - they closed my account after they verified that the account would be substantially funded and brought back to the within limit amount.

Company response to consumer: Closed with explanation