BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-02-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
No money is involved. I was notified that my personal info may have been obtained in an unauthorized manner. Resolution was 1 free year of credit monitoring which expired and a second year was promised. When I tried to call and re-subscribe I met with no assistance, rather deflection and non response. I was told to call another number which I did on 3 or 4 different occasions holding for hours ( even when told waiting time would be less than an hour ) never to be connected. 

Today XXXX XXXX, 2019 I received notice from Equifax of cancellation of services and will not waste another moment attempting to extend services as I believe this was a hoax on their part all along. The cancellation notice gave the number XXXX. 

I repeatedly requested they call me and it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, 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 status incorrect

Complaint:
My Creditors negligence ( XXXX ) led to a late payment, and then they decided to ruin my credit : In or around XX/XX/2018, I had 2 credit cards with XXXX and had only been actively using 1 of them. I was logging into their website that consolidates XXXX accounts, making multiple payments per month and checking my balance frequently because I used my credit card heavily. 

On or around XX/XX/2018, my credit monitoring agency sent me an alert referencing XXXX. I checked online, saw nothing unusual, and I then called XXXX who authenticated my identity, opened up my profile and told me that my account was in good standing and to ignore the alert. 

2 months later, I learned that the alert was due to a recurring charge posted to my inactive credit card I was not using, and that it was now 90 days past due. I called XXXX again and paid the {$90.00} amount. I also explained to them that when I called earlier they had specifically told me to ignore it, that there must be a mistake, and I was in good standing- when actually that information was incorrect ( they recorded this conversation ). I also stated that when I go online, the card in questions was not being shown on the web dashboard that showed my other credit card and mortgage. I then asked that they clear up their mistake- they rudely said no. 

Given that this was a business credit card, and given that XXXX never reported to the credit bureaus when I did pay this card on time, I was shocked when they made the decision to report it as 90 days late thus decidingly crushing my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Two credit card companies ran hard inquiries on my credit report on XXXX XXXX, 2022. I did not apply for cards or credit with either of these companies. When the companies were contacted one of them did not answer and the other said that an account existed in my name. I have never authorized any of these transactions. The credit reporting agency only advised me to contact the companies. 

The companies are XXXX XXXX and XXXX, both on the same day and both located in 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 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Bank of America in XX/XX/2020 via their website. I was declined. There was no way for me to contact them once I received the declination response. No phone number, no email. I waited for their decision in the mail. The corresponding letter said my application was declined because I had too many accounts that were recently opened and that I had limited deposit or investment balances with them and their affiliates. Again though, nowhere was there a way for me to contact an underwriter or representative by phone or email. It was clearly a form letter because most of the smattering of words all over this letter was about how I could obtain a copy of my credit report and tools to help me with my credit. 

On one of the back pages was a postal mailing address where I could write them a letter via snail mail. I sent them a letter asking what I needed to do to get my application approved. Should I close a different account? Could I get a lower limit? What if I provided proof of other funds? I even went as far as sending them a recent pay stub and asking them to contact me with what was needed. 

Weeks later ( today ), I received correspondence from them. It was the exact same form letter the sent me before. Why did I take all the time and effort for a sincere application in earnest only to be declined with only form letters being sent to me. In fact, this lazy and insulting attitude is the exact opposite of what Bank of America purports in their corporate mission statement : to help make financial lives better by connecting clients and communities to the resource they need to be successful. They never had any intention of connecting with me.

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 2022-10-11
Company: Experian Information Solutions 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 Recently reviewed a copy of my credit report, i was shocked to learn i have been a victim of identity theft, i found numerous accounts on my credit report that was not open by me, this has been hurting me, please remove from my credit report as soon as possible

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 2019-08-27
Company: AES/PHEAA
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:
there were some strange accounts on my credit report that I have no knowledge of. Ive never agreed to these accounts 1. fed loan XXXX - {$2200.00} 2. US /DEPT OF ED/XXXX - {$1100.00} XXXX 3. US DEPT OF ED/XXXX - {$1100.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Due to tort and wrongful interference PayPal who is run by the XXXX. So this complaint is about PayPal and their bank by the name of XXXX has mysteriously decided to close my account with no good reason. I am using my debit card from XXXX XXXX law enforcement force under California 's Attorney General XXXX XXXX and gangs alike can all track/trace my accounts equally~~~~ all I did was buy a drawing and they all act like pigs and bigots! 

Of course PayPal has no excuse for their XXXX XXXX XXXX it's very easy to verify who I am and I'm always having to verify who I am 999 million times! Thats the excuse from the financial system it's called targeting by people who can not be in tech or police! 

This is just pure financial, harassment, discrimination and bigotry by people who should not be able to track and trace XXXX XXXX is a disgrace and so is law-enforcement and neighbors in California!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
the credit card company capital one reports one late payment for XX/XX/XXXX. 

Due to being short on hours due to covid I made that payment one day late and addressed this with customer service since for months. I sent multiple goodwill emails and anything gets denied I do understand I have a responsibility but covid hit us all hard. I made every effort to make this up and to resolve it. I never had any late payment for that account or never did I pay later afterwards in 4 years of having that card. 

I also went through divorce and had to find a place to live. the late payment made it really hard on my credit report. being from XXXX I didn't know that it would count so much in the XXXX for having that one late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I was browsing an app that someone told me to check out and then put it down, a hour later i got an email saying my loan was approved and My cash was being sent out, but I NEVER MADE A LOAN. I immediately contacted the company and they said they would take care of it after a lot of struggle. The next day, {$900.00} was taken out of my account which had {$0.00} in it at the time so I was over drafted by {$900.00}. I immediately contacted this company and after some struggle again they said they would fix it and deposited the over drafted money back into the account. Mind you, there had never been any money put into my account. After that I thought it was all over, and 2 months later I get my credit report and it says I'm delinquent on my payment to them. But i check there app and it says I owe {$0.00}. So I contact customer service again and for the past months have been explaining to multiple people what happened and they all assure me it will be taken care of, but then the next day i always get an email saying '' you till owe us {$900.00} '' but i do not owe them anything. I have the chat transcripts, my bank statements and screenshots of the app to prove all this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion failed to do a thorough investigation on collection account placed on my credit report that was put on by XXXX XXXX XXXX XXXX XXXX. Company is a scam. They never contacted original company XXXX XXXX XXXX XXXX that XXXX XXXX XXXX stated they received charged off from. Whats on my credit is not a company. Transunion states it accurate. Please tell me where company is located. There is a XXXX XXXX XXXX XXXX Which they have no knowledge of this company. So exactly what investigations did transunion.

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 2020-07-24
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is the number that keeps calling me. They have called FIVE times in the past three days. The call is a robocall claiming to be TD Bank. I do not and have never had an account with them. I asked to be removed from the call list and she wanted me to give her the last four of my SSN and address. I absolutely did not and told her to remove me from their call list or I will be calling an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: DC
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 's credit card {$3.00} that was paid XX/XX/20, .not sure but wasn't late ... and shouldn't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Risecredit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Due to COVID 19 I am not receiving a paycheck and my account is currently overdrawn. I have explained this to them however they will not offer any assistance and have reported me to the credit bureaus. They continue to try withdrawing different payment amounts. The last one that was returned to them from my bank was {$56.00}. I would like for them to help me since this is a hardship situation and also remove the report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I was the victim of identity theft and I believe the perpetrator ( s ) began making the fraudulent charges on my Bank of America account ending XXXX in or around XX/XX/XXXX, which is evidenced by even a cursory review of the credit history for this account. The specific charges in dispute include the amount of XXXX on XX/XX/XXXX and in the amount of XXXX on XX/XX/XXXX, and accrued interest and fees associated with the same ; these charges were unauthorized charges on my account resulting from identity theft. I filled out the paperwork required by Bank of America for such occurrences and mailed it in on XX/XX/XXXX. BofA did not conduct an adequate investigation and mailed me letters dated XX/XX/XXXX and XX/XX/XXXX before even receiving my sworn statement. A fraudulent check was also cashed on this account as part of the same identity theft in XX/XX/XXXX for XXXX, which I also disputed and which was resolved in my favor by BofA, claim # XXXX ( or XXXX ). It makes no sense that only 1of the fraudulent charges was properly handled but the other two were not. I spoke with BofA 's representatives by phone about the identity theft and fraudulent charges in XX/XX/XXXX as well. I provided the police report file number to BofA. I wanted to arbitrate this dispute and requested a copy of the credit card agreement in XX/XX/XXXX so that I would know where to send my demand for arbitration. BofA never sent it to me and instead sent me a letter requesting more information about the disputed charges.

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: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
In a letter dated XX/XX/XXXX, I stated the following facts : On XX/XX/XXXX, I contacted your help line at XXXX and again at XXXX, to report that the designated recipient had not received the Transfer Amount into her dollar account. I was then advised by a gentleman with a first name of XXXX that before 'MoneyGram ' can conduct an investigation into the matter you will need a copy of the designated recipient 's bank statement for XX/XX/XXXX to verify my claim.
Imagine my surprise when I received your letter dated XX/XX/XXXX indicating that the investigation was complete and that an error or problem with your MoneyGram money transfer transaction occurred on XX/XX/XXXX The reason you provided sounded suspiciously like a verbal error given for an earlier MoneyGram transaction with reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which preceded the one in question here.
In the earlier transaction I was told that a technical issue occurred with your partner Bank in XXXX and that I should try resubmitting the transaction after I collect my refund at the same location of the original purchase. It is important to note that I was not advised of my rights or afforded the option of completing the transaction.
I did as I was instructed and created the second transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
To say that I have been inconvenienced is a gross understatement. So, pursuant to the Remittance Transfer Rule of Regulation E, 31 C.F.R. 1005.31 ( b ) ( 4 ) and ( b ) ( 1 ) ( iv ), and 1005.33 ( a ) ( 1 ) ( v ), I hereby demand a written explanation of my rights, documents on which MoneyGram relied in making your determinations and complaint procedures for the Consumer Financial Protection Bureau ( CFPB ). See attached documents for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 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 2018-04-10
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Called Discover card on XXXX and spoke to a XXXX, after a few minutes when discussing why we needed to reactivate the card off the hardship program, explaining my husband had XXXX, she replied oh im sorry it isn't a good time, then tried covering her tracks stating she was talking about the program. It was disgusting, How is having XXXX at any point a good time?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent multiple letters out to the XXXX, transunion, and XXXX disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to transunion, XXXX, and XXXX and they are still reporting inaccurately. This has not been fixed

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 2021-09-01
Company: ORG GC GP Buyer, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
GS services has committed perjury through mail. They have tried to collect an ALLEDGED debt from me and in doing so they claim that XXXX is the ORIGINAL CREDITOR. This is a false representation of a consumer transaction and they are using this lie to try and get me to pay a debt that is not mine and which I do not validate. In any consumer transaction the CONSUMER is the original creditor because they extend their credit and this is defined more in the TRUTH IN LENDING ACT. GS services knows this and decided to lie to collect money from me. They also violated FDCPA law 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; They sent me mail stating that I owe a debt which is against the law for them to do so. I have attached both pieces of mail, one of them falsely stating that I am not the original creditor and the other of them saying I owe a debt. I demand for this collection to be removed from all of my consumer reports and I demand monetary remedy for violating my consumer rights.

Company response to consumer: Closed with explanation