BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
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: Reporting company used your report improperly

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

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-10-02
Company: DISCOVER BANK
State: RI
Product: Credit card
Issue: Other

Complaint:
I entered into an agreement with discovercard several years ago whereby they would waive late fees and cut my interest rate if i got on a regular payment plan. I have been paying them XXXX every month for several years. Earlier this year I was not able to make a payment, subsequently we entered a new arangement whereby I would pay XXXX for a set period of time. Even though I paid the XXXX in XX/XX/XXXX and XX/XX/XXXX they said they charged off my account on XXXX/XXXX/2015. I have no access to it online nor will they send me statements. I am supposed to keep paying them and if I have questions call them on the phone. I was under the impression that revolving debt had to be delinquent XXXX consecutive days to be charged off. This is not the case. Please help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Other

Complaint:
I have discover credit card account. I access it from my desktop computer using Windows 10 Operating system and firefox as a browser. Every time when i try to login - this website think that I am not the right person and challenges with the security code. Either i need to get it on my cell phone or on my email. Even if i check the button " remember my computer '' it asks me again and again ... .very frustrating.I am not deleting my cookies. Already reached to Discover via secure message center but i do n't think they will be of any help. Last time they disabled my discover bank credentials also and i end up with lots of issues. Working with the online website of discover is really painful, frustrating and total waste of time. Their entire IT operations should be scrutinized. I am attaching the screen shots and the email communications. As you can thrice in a day ( today ) -I was challenged to login to my account and then it sent me code on my email. Also i checked the " remember my computer '' button also. I had been telling this to Discover for long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Platinum Finance Company, LLC
State: KS
Product: Payday loan
Issue: Can't contact lender

Complaint:
Received an online payday loan from XXXX XXXX in 2008. Loan was paid back but lender kept debiting my account, causing hundreds in fees for overdrafts and my bank closing the account. For several years I 've received threatening calls from their various debt collection agencies, mainly out of XXXX, NY. The original {$300.00} loan that was paid in 2008, ended up as a {$1000.00} collection account on my credit report. After disputing this ( again ) and speaking to the current debt collector, they agreed to remove it ( again ). After the loan was paid off, the state of Missouri declared they were illegal and void, as they had no license for business in the state. Missouri is the state I lived in when I took out the loan. Every time a different debt collector contacts me, the balance changes along with the supposed date of the loan, that way they can avoid the statute of limitation. This seems to be the only company that has avoided your wrath but is as bad as they come. Hidden fees in the hundreds of dollars, threats of jail, calling neighbors, employers and in my case distant relatives several times a day and disclosing every detail about this supposed debt and claiming I was wanted. They were supposedly searching for me yet knew all of my contact information. I was an XXXX to take out the loan then, but I was waiting for my military XXXX to be approved and I have many kids. By changing the details of the loan, they keep listing it on my credit report and use yet another shady collection agency to try to take my money long after the time barring took effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a transaction with XXXX  and was charged a cash advance fee by Chase for this transaction which was not disclosed. I've never made a cash advance before and never would have made the transaction if I was aware. I asked Chase to remove the fee on a one-time basis but they refused even though I immediately paid the full cash advance balance. 

I did research this online before the transaction and found several websites that stated it's not a cash advance. Chase apparently recently updated their terms of service. I realize I am bound by this, but I am also not a lawyer. 

I realize there will also be interest on the charge which is ok but I am asking Chase to remove the excessive fee as a courtesy given that it was a mistake that I quickly rectified and given my long relationship with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Under FCRA XXXX XXXX XXXX XXXX ( XXXX ) you violated the law. I disputed these inaccurate items over XXXX days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2015-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
In XXXX, XXXX I received a gift debit card for {$200.00}. When I went to use the gift card on XXXX XXXX, XXXX the account was closed. When I contacted Bank of American on XXXX XXXX, XXXX ( at approximately XXXX, via phone ) I was told the card had expired XXXX XXXX and the remaining balance ( actually the entire balance of {$200.00} ) was the " fee '' for closing the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: FL
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 sent out letters back in XXXX concerning my credit report on Equifax there are incorrectly reporting accounts that shouldn't be reporting on my file due to the info on accounts is inaccurate and some of the accounts do not belong to me I have attached my dispute letters i sent out to the credit bureaus. 

I have no knowledge of the collection account XXXX XXXX XXXX communication account number XXXX I also have no knowledge of medical collection which was supposed to be removed by the collection agency with account number XXXX There are also XXXX inquires on my credit report that I never authorized due to my credit report was suppose to be frozen by equifax but ended up having a split file for XXXX XXXXXXXX and XXXX I also put in a request for them to have validated a incorrectly reporting account from XXXXXXXX credit card XXXXXXXX these disputes have been unanswered as of today per fcra guidelines these dispute should have been responded to ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL. -- ( i ) CERTIFICATION OF ACCURACY OF INFORMATION. -- If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Other

Complaint:
My ex husband applied for a Discover card and listed me as an authorized user without my knowledge. After we split up, he stopped paying the bill which is none of my business, except that it is showing as delinquent on MY credit report. That should be illegal. I could open an account with them and list someone I did n't like as an AU and totally XXXX their credit without their knowledge. I think this should be illegal. I could understand if I was a co-app but I had nothing to do with that card. Discover ca n't even discuss it with me because my name is not on the account so I have no recourse. This is the only negative remark on my report and it is impacting my refinance rate/options. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: NJ
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 have submitted 4 disputes and I am trying to provide documentation to Equifax and they DO NOT ALLOW me to submit this document. NO ONE SPEAKS ENGLISH and you can not understand one person on the phone. I just want to provide the document so my credit report is accurate and the update is taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: DISCOVER BANK
State: DC
Product: Credit card
Issue: Other

Complaint:
I have a automatic payment deduction set up for my Discover credit card. The limit is {$2000.00}. They deducted the {$100.00} in XXXX. But in XXXX 2016 they did not make a deduction. However they reported to the credit bureau that my account was over drawn by {$35.00}. Why not make the authorized {$100.00} deduction that would have made my account {$1900.00} and avert a negative report on a customer that has never been late with a payment? Discover seems to rush to to negative reporting even when they have a real solution. I want the negative report removed. I will pay off the card and close the account. Do not need to do business with these type people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: TX
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:
The company points out in a prior complaint a settlement and the details of the settlement but fails to acknowledge that the account turns to income once charged off. The account was charged off on XX/XX/XXXX. After the settlement balance was paid there was a 1099c issued XX/XX/XXXX with a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. The account status is no longer debt but INCOME. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income DOES NOT get reported on a consumer report which is why the account needs to be deleted. XXXX XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer when charged off. There's also case law to back up what I've just stated. Franklin Credit Mgmt v. Nicholas, Amtrust Bank v. Fossett. I've been very direct in pointing out how the company has violated the FCRA. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. Delete the account 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 2017-02-28
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a text from a friend that a debt collector, from Pioneer Credit Recovery Inc., XXXX at XXXX called him asking about 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 2016-03-12
Company: Rent Recovery Solutions
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rent recovery services on behalf of XXXX XXXX XXXX Texas. I was ill and had to return to XXXX to hospital in XXXX XXXX - still attending XXXX XXXX! There was about 6 weeks left on my lease which ended XXXX XXXX. I was given no option for return of full XXXX bed flat of furniture incl XXXX inch TV, art work etc. I owe approx XXXX in rent although XXXX advised me that they had changed locks on door, and no access to get belongings, when I let them know I was in hospital in XXXX ie before end of lease. 

This debt has been reported by rent recovery services, a collections agency on behalf of XXXX for the amount of {$4200.00} to the credit agencies, more than 100 % interest in 8 months!!!!!!! They are ensuring that this bill will rise exorbitantly month by month so can not be repaid. 

Also the value of my goods were more than {$2000.00} ( the bill ) and I was never given any option to recoup them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XX/XX/2016 I purchased a couch from XXXX, and on XX/XX/2016 the couch was returned. The couch contains 90 % polyurethane foam which contains XXXX toxic chemicals, and I am extremely allergic to the couch. 

I contacted discover regarding the situation, and discover provided me with credits. On XX/XX/XXXX Disc. Reversed the credits stating they had contacted the vendor, but the vender never responded to Disc. I provided Disc. With a copy of the email from XXXX stating they would refund the money, and still nothing. 

So now I have no couch, and I am out {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: DISCOVER BANK
State: NE
Product: Credit card
Issue: Advertising and marketing

Complaint:
Discover XXXX pay Cash back PromotionThey changed the Terms and conditions of Cash back Promo1. The terms of the promotion2. How the gift card exclusion was added several days later3. Discover is now blanket rejecting purchases above a certain amount4. Discover is requiring customers to retain receipts5. Discover does not have the requirement to keep receipts in the XXXX. This is a blatant attack on consumer privacy7. The burden of proof is shifted to the consumer, instead of the credit card company8. If Discover wants to exclude gift cards, they need to do it accurately and automatically, without the need of receipts being sent into Discover. 
if they want to exclude gift card purchases, they need to be able to do it automatically and accurately. The burden of proof does not fall on the consumer and we do not need to keep receipts. 
If they are unable to do this, then they should honor all XXXX Pay purchases with the bonus 10 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I asked Discover to issue me a new credit card so that XXXX could n't find me to charge an annual recurring charge of {$59.00} for an account that was set up by my minor child without my consent. XXXX was not helpful when I called and kept asking for information I did n't know because I did n't set up the account. Discover issued me a new card with a new number and promised me that XXXX would not find me. The next year ( in XXXX ) the XXXX charge showed up on my new card! I have been disputing this since XXXX XXXX and talked to numerous people. In the end ( after disputing and removing XXXX different times ), Discover made me pay the {$59.00} XXXX charge AND XXXX cancelled the account. The last time I called, the agent conferenced in XXXX and witnessed how difficult XXXX is to deal with and that it was impossible to resolve without knowing certain information about the account ( tag number or something like that ). So here are XXXX giant companies who no longer have the ability to provide customer service to XXXX small customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: FL
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:
I sent letters out to the Dept Of ED XXXX XXXX XXXX & I don't owe anything with this account both companies can not locate an account for me I want this company to remove their negative reports on my credit profile from all 4 credit reporting bureaus. Also, they have not responded back to 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 2022-04-20
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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

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 2016-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been reviewing my bank statements and have realized that when I use an ATM card I am being charged as much as {$7.00} - {$10.00} per transaction. I authorize the fee from the ATM so I should see an {$2.00} - {$3.00} fee on top of the money I am withdrawing, but I am also seeing that my bank is charging me a {$2.00} fee for a balance inquiry that I never agreed to and then they charge another {$2.00} for using a non- BOA machine, this is also not disclosed. So depending on the amount taken out at the ATM, these fees could be as much as 20 % of the money withdrawn on a {$40.00} ATM transaction ( XXXX {$40.00} ) this is worse than the short term money loans. All of the fees should be disclosed when doing an ATM transaction. My Bank is Bank of America.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: NV
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 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. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX XXXX account number : XXXX Payment amount : {$590.00}

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