BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Discover claims they notified me that they were closing my card because I didn't use it enough. They didn't. They also didn't send me any kind of electronic communication stating that they would be closing my account. 

By doing so, they caused a SEVERE drop in my credit score. I have had this card for YEARS and I have never had this issue. It is a backup emergency card that I use WHEN NEEDED. 

Apparently, Discover isn't interested in my business since I'm not in credit card debt and I know how to pay my balances in full. 

They're not making any money off me so they don't want me to have an account with them. PRETTY CONVENIENT! Oh wait, no ... not convenient at all. What good is a card if it can't be used in an emergency? 

STICK WITH YOUR LOCAL CREDIT UNION AND DON'T BOTHER DOING BUSINESS WITH THIS FRAUDULENT COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A direct marketer, XXXX, contacted the Citi bak cardholder, and elderly woman with diminished memory, and manipulated her into providing information that enabled them to charge her card for an extended warranty on a vehicle registered in her name. The car has not been driven and the cardholder does not drive.
There has been an effort to contact the direct marketer, but every time additional information is requested and subsequently nothing is done when information is provided. When the charge was initially posted, Citi was notified that it was not a valid charge. there was initially a credit, but then it was reversed. After the reversal, another case was opened with Citi, but now they are stating that too much time has passed, and that they can not dispute this transaction as unauthorized as we previously advised them that this transaction was knowingly entered into. This is incorrect. they were advised that there was a phone call where the direct marketer obtained the necessary information to be able to charge the account, but it was not agreed to and has been disputed from the beginning. We have attached the latest correspondence we sent and received. We have all the documents if needed.

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 monetary relief
Consumer complaint received 2019-05-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Original creditor was XXXX XXXX XXXX ( which is still on my credit file ). That account was transferred to midland funding. I paid off the debt through midland funding over a month ago and my account was updated with a XXXX balance. Both XXXX  XXXX XXXX and midland funding still has the account payment status as derogatory and not current. Also XXXX XXXX is reporting a balance on my credit report but was included in a bankruptcy ( 9yr old account )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: NV
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:
There was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: PA
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 am listed as an authorized user on an XXXX XXXX account that was opened XX/XX/2018 with a credit limit of {$5000.00}. Equifax has neglected to reflect this tradeline on my report. The owner of the card has reached out to XXXX XXXX and they have said it should be reporting to all three major credit bureaus. Equifax continues to neglect in reporting this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.

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 2021-04-28
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN FAILED TO INVESTIGATE MY DISPUTE

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 2021-08-08
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: Personal information incorrect

Complaint:
XXXX {$590.00} ; XXXX XXXX XXXX {$240.00} ; XXXX  XXXX {$880.00} Accounts are not mine and were illegally put on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: CORELOGIC INC
State: LA
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:
Credco XXXX XXXX, XX/XX/2019 No information available Hard Inquiry

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 2021-04-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second attempt as I asked before to make investigation of these accounts however you failed. I do not want to see someone else accounts in my profile. Its difficult for me as my financial life depends on my credit report. However due to the fact that someone used my personal information, now I have these unknown accounts in my credit report. PLease help and remove them from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Opportunity Financial, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
RE : Revocation of authorization for debits Company : OPP Loans To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company.. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was a transfer through XXXX to my Wells Fargo checking account. With XXXX, funds are typically available immediately as I have set up XXXX on my account. I received an email from Wells Fargo stating that the funds have been received but the funds have not been made available to me. I have spoken with representatives from Wells Fargo and no one can tell me when the funds would be available. Wells Fargo representatives suggested I contact XXXX despite an email I received from Wells Fargo stating that Wells Fargo has received the funds.

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 2019-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I processed a balance transfer to my Chase Amazon card in the amount of {$3900.00} on XX/XX/XXXX. The balance transfer was offered at 0 % until XXXX of XXXX. I also had purchases on the card. I have made payments in the amount of {$3600.00} since the balance transfer was processed. Chase has been applying the minimum payment ONLY to the purchases at 24.49 % APR and then applying the remaining payment to the balance transfer at 0 %! The statement reads under how to avoid paying interest on purchases, " Because we apply payments in excess of your minimum payment first to HIGHER rate balances, you may not be able to avoid interest charges on new purchases if you have another balance at higher interest rates unless you pay your balance in full each month. '' Therefore they should be applying these large payments to the purchases at 24.49 % APR, however they are applying to my 0 % balance transfer. I have contacted them 5 times since XX/XX/XXXX as I have been charged interest on purchases made. Their response is that " If you pay your minimum payment, it will be generally allocated : - First towards any flexible financing offer balances with special payment obligations which require repayment of the balance over a pre-selected number of billing periods. 

- Then to balances with the lowest APR - Then to balances with the highest APR This is contrary to what the statement reads and predatory lending in my opinion. I have requested several times that they adjust my bill to process the payments made to the higher interest purchase balance but they just keep responding with the above statement. I can not pay the full balance or I would have never completed the balance transfer in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an American Express card, on this month 's bill I was charged with interest on a purchase in 2018. They are calling it a trailing interest. I would have paid the interest on the billing statement for 2018. This year I have been charged {$680.00} in interest alone and can't afford that kind of cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Consumer Portfolio Services, Inc.
State: SC
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:
We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with financing thru Consumer Portfolio Services. In XX/XX/XXXX the vehicle was in an accident an deemed a total loss. At the time of the loss the account was current, with no late fees or charges on the account that needed to be paid. At that time we had two gap insurance policies. One with XXXX XXXX XXXX which was part of our contract when we purchased the vehicle and another thru our auto insurance at the time. Gap insurance paid our balance that was due through multiple disbursements. Consumer Portfolio Services received payment from XXXX XXXX XXXX and the gap coverage through our auto insurance. After reviewing statements from CPS, XXXX and XXXX ( our insurance at the time ) we discovered what appears to be fraudulent activity in order for CPS to collect more money than what they were entitled to. It appears to still be the case. They have gone as far as reporting information to the credit bureaus stating that we owe them money, altering payment history, late fees, and other charges to make it seem as if we owed money at the time of time loss. They are still collecting money from Gap insurance payments thru XXXX as of XX/XX/XXXX and still say we owe. XXXX has informed them to waive a total of {$3300.00}. They refuse to update the credit with a paid XXXX balance, with no late payments as of the date of loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$340.00} XXXX {$160.00} XXXX {$590.00} XXXX {$300.00} XXXX {$20000.00} XXXX {$500.00} XXXX {$30000.00} XXXX {$120000.00}

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 2017-09-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Checked the last 6 numbers of my SSN on the Equifax site when news of the security data breach was broadcast on the news. The website gave me a date to go back and enroll in the TrustedID as information had been compromised in the hack. My wife received a different date, but the same message. We then called the phone number indicated as the number to call to initiate a credit freeze. After the automated system directed us to enter some identifying information, including our state, we were told it could not process our request and we could complete the freeze online. I tried to go on to the website to put a security freeze on my credit report and got an error message. I then tried to call the Equifax customer service number and was sent to an automated messaging service that hangs up on me and never lets me talk to a person to initiate a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 account is reporting a debt with the defense finance and accounting services and the is no debt I have called XXXX and they have verified there is no account

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 2019-05-30
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XX/XX/2016 I called Target Red card accounting per their XXXX number provided and asked for the credit card accounts supervisor, I told her VERY SPECIFICALLY 3X that I would be leaving for XXXX on approx. XX/XX/2016 and I needed an EXACT ACCOUNTING of my Target card so I could pay the entire amount off as I would be gone 2 years without any way of receiving or paying any billis that would arrive after my departure. 
I was given a TOTAL ACCOUNTING of $ XXXXusd and paid that amount, in full, on XX/XX/2016. 
2 months later I received notification from my XXXX credit score that my perfect credit score was now XXXX. 
After many calls and absolutely NO help from Target, I found out that my account had been billed for purchases in XX/XX/2016 that should've been known to Target 's accounting and billing department. 
Because of their ineptitude and failure to report an accurate accounting of my account, my credit score was damaged irreparably and created financial hardships for me and a tremendous amount of business problems.

I had to wait 2.5 years to dispute my credit reports and send Target my complaint- which they summarily denied any responsibility. 
Target has since emailed me to say they had mailed a response to my demand for compensation but that was almost 2 months ago and no mail or email correspondence has been received. 
Target is responsible for destroying my 45 year perfect credit for a {$19.00} charge they should have accounted for- causing me financial hardship and business problems not to mention 3 years of terrible credit and the horrendous stress it has caused me trying to rehabilitate my credit and my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My family was away on vacation and when we returned we notice XXXX $ worth of fraud on our checking account. We immediately contacted the bank and we had to file two separate claims, as some Of the transactions were still pending and we couldnt open a claim to dispute them until after they posted to our account. The first claim ( {$50000.00} ) was denied while the second claim ( {$7000.00} ) was still being investigated. We appealed the first claim and that got denied as well. All TD bank keeps telling us is that we performed the transactions. They refuse to talk to or investigate with the merchant. All they keep saying is the names match on the accounts. Someone hacked my XXXX account. Changed my Phone Number, to further access my account and perform transactions that are normally confirmed with a text pin. The card info is saved on XXXX. Someone used my Cards to send Money to someone using a similar name to our business name. It has nothing to do with me or my family although the names are similar. TD bank continues to say, the names match and XXXX said the person used the exact information. After talking to XXXX, they haven my old mailing address on file. So I asked TD bank how the card went through if XXXX had the wrong mail in address on file and they said that maybe the transaction was performed by my parents or my husband. This is {$57000.00} worth of fraudulent transactions. I have XXXX kids and no money left in my account. This has been going on with them back and forth since XX/XX/20. The fraud reps are extremely rude and accusatory. I thought I was going to have a bank help me in a time of need. Instead they accuse me of lying and performing these transactions. I faxed them paperwork and information to show it was not me who performed these and they refuse to listen. Now we have no money and both claims are denied. We tried speaking to a supervisor and that didnt help. They said theres nothing we can do!

Company response to consumer: Closed with explanation