BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a XXXX XXXXXXXX XXXX since XX/XX/XXXX. I made two purchases : {$100.00} and {$13.00} totaling {$110.00} to which Target added a {$25.00} late fee charge. I did not receive communication stating the amount was due from Target until the first week of XX/XX/XXXX nor did I get telephone call. I tried to make a payment of {$140.00} using American Express. They asked for the checking and routing number INSTEAD OF the DEBIT CARD NUMBER which I supplied to them to make the payment on all of my previous orders. I find out today that the {$140.00} amount was not accepted and they applied ANOTHER late fee for a total of {$170.00} XXXX {$55.00} in late fees ). I called and spoke to four customer representatives of Target, one of which I tried to make the full payment of {$170.00} but was told " the logo for the card did not pop up '' so payment could not be made. I tried paying online and they still had " This is an attempt to collect a debt '' on my sign in page and asked for my checking and routing numbers. Had to call customer service to unblock my being able to enter my debit card number to make payment but they did not do so. I believe they are going to try to charge another late fee of {$29.00} and I REFUSE TO PAY THEM ANYTHING BUT THE {$110.00} that is owed. This is pure ROBBERY!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: MN
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:
The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX XXXX, {$5000.00}, XXXX XXXX, {$3400.00} and XXXX XXXX XXXX, {$500.00}. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX  XXXX XXXX XXXX, XX/XX/2019. I never missed an on-time payment with XXXX XXXX XXXX. The missed payment with XXXX XXXX XXXX  is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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: Account status incorrect

Complaint:
I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.

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 2017-07-07
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: Their investigation did not fix an error on your report

Complaint:
XXXX    XXXX    XXXX , which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to  XXXX   XXXX  Loans, was made on  XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in  XXXX . Equifax did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years.  XXXX  has already been punished for this practice yet they continue their fraudulent practices.   XXXX  In addition,  XXXX  was not even the owner of record who had the right to foreclose but i doubt anyone cares about that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.

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 2022-04-04
Company: Experian Information Solutions 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 am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX, Experian, and XXXX written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow XXXX, Experian, and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian, XXXX, And XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If Experian, XXXX, And XXXX wants to continue doing business with me they should delete the inaccurate accounts from my consumer 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 2021-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account in question : XXXX XXXX XXXX  This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

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 2021-05-14
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I contacted Robinhood broker company.

I let them know that my account have been locked out and that i needed access to it.

i had no change anything ( nor my username or password ). however, i was no able to log in from anywhere.

I contacted Robinhood several time through all my different emails to give me access. I sent repeated emails from

3 different emails i have. they contacted me via email and said they had received my message but it would take 1 - 3 day to ge
t back to me. meanwhile, I noticed there was money transaction taken out of my checking bank account that is linked to my Robinhood trading account. 
i reported this again. they contacted me next day to ask me to upload photos of my identification. I did upload them same day. Next day someone else contacted me asking me to submit photos from my other emails. I did upload them again. To this point my Portfolio had several PUSH options that i had left open Friday afternoon. the stock market crashed Monday and Tuesday XXXX XXXX XXXX My options should have been in great value but of course i had no access to my account. 
On Wednesday someone from Robinhood contacted me sending me credentials for log in to my account. 
an email that was no mine. that email was : XXXX and my user name ( this was correct ). 

i reported that the email was no mine. i received their reply that they would send my case to higher customer assistance ( this was on Wednesday ). today is Friday and no one has contacted me yet, and i have sent several emails asking for an update.

my bank account was withdrawn another {$3000.00} today that i had not authorized and used towards Robinhood transactions. I had to block my bank account for any purchase or withdraws, especially from Robinhood.

I do not understand how serious Robinhood is about people 's safety and their credentials. 
someone hacked my account and use an email as XXXX I have exhausted contacting them. 
They do no have a phone number that allows you to speak directly. 
I need an immediate solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: NC
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:
XXXX, Equifax and XXXX have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Back in XX/XX/XXXX I called Kholes to ask about their late policy, the lady I spoke with let me know that they report every 2 months and that if I made my payment for XX/XX/XXXX before the end of XX/XX/XXXX they wouldnt report and I would be ok. I made my XX/XX/XXXX payment in XX/XX/XXXX I believe and a couple of days later I got a notification from XXXX XXXX  that my payment history had changed. They reported me late after I was told that wouldnt happen. Since they I have called multiple times and I get told theres nothing they can do. I have even spoke with 2 managers and one was no help at all and the other stated she would put in a request to the credit bureaus I told her ok thank you. I then just got a letter on Monday XX/XX/XXXX that they can do anything once again and they are reporting correctly. This is my last attempt before I go to the XXXX. I have tried every avenue for them to correct their wrong doing after I was told one thing and then another thing happened. Its not fair to me to have to go through this situation with them and they have no sympathy or understanding of what happened and the simple thing I am asking for from them to fix it. This is my last attempt for Khols to make this right or my next step is to go through the XXXX. If once again I get a response saying theres nothing that can be dont I will go to the XXXX   and also close out this credit card and will never shop at Khols ever again. This is my first time having their credit card and the service they provide to their customers is poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Santander is reporting a {$9500.00} debt that was covered. This debt is Santander 's tactic to defraud the United States IRS. I had a previous auto contract with Santander. I was in a non fault accident and the at fault person 's insurance in addition to my gap insurance paid the remaining balance on my account. Santander accepted the at fault insurance payment and the gap insurance payment. I do not owe Santander any money. I have no contract with Santander anymore. I requested validation of debt. I NEVER received any type of correspondence to even validate the fraudulent amount of {$9500.00}. They have violated many FDCPA violations. Santander has use my personal information to receive a tax write off for a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received papers of a garnishment at my employment and was unaware of any judgement. The debt is from XX/XX/2011. The amount is {$1600.00}. I called the company and explained that I never received any notification of the debt or judgment. This debt does not show up on my credit report either. If so I would have taken care of it. I asked company if they could drop the amount and could only do {$80.00}. This debt seems like scam since it shows up nowhere expect for Johnson Mark LLC attorneys at law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
There was an unauthorized charge on my Chase Reserve account on XX/XX/20 for {$130.00}. I called to file a fraud report. Chase credited my account while investigating, then reapplied the charge back on my account. Chase said I'm responsible for the charge because the merchant was able to provide them with my personal information. I've appealed the decision, and they came back with the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am not aware of why my account was closed on good standing. I had one return payment on my account because I forgot to change to auto draft account from a closed account to the new one, but that is not a reason to close an account. It's not like I was behind or owed you several dollars. The rep told me the account was closed because of a return payment in XXXX, even though Paypal received a payment after I noticed that it had the wrong account. They do bad business and treat their customers XXXX on PAYPAL and 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 2017-10-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX stating that owed a bill from XXXX XXXX for {$1200.00} from an account billed to the same name that I have with an address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA. I wrote to them on XX/XX/XXXX, informing them this was not my account. They had mailed the bill to my vacation home in XXXX, CA. I gave them my home address in XXXX XXXX. Recently I received another letter from them at my vacation home in XXXX, and for the first time gave me the address of the debtor in XXXX, GA. I have never resided outside of the State of California, and the only time I was in XXXX was to switch planes in XX/XX/XXXX, and have never been outside the airport. Either someone is purporting to be me, or this is an attempt to collect an uncollectible debt, as it was charged off in XX/XX/XXXX, and the statute of limitations in California is 4 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: MT
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2006 Balance {$7000.00}

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 2022-04-04
Company: EQUIFAX, INC.
State: TX
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:
On XXXX2020 there is a unauthorized inquiry from XXXX Bank on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Total Debt Assistance Group
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a victim of a student loan assistance program called Total Debt Assistance Group. They got all of my information, I signed a contract, and they charged me {$600.00}. I did n't know they were illegal until after I finished all the paperwork and gave them my money.

Company response to consumer: Closed with monetary relief