BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
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:
In XXXX of 2019 I mailed a letter to each credit reporting agency that was sent to me from XXXX XXXX XXXX that they would remove this account from all reporting credit agencies and it is XXXX and this is still reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Rapid Mortgage Funding Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I'm getting continuous marketing calls from Rapid Mortgage Funding for mortgage loan. I already communicated to them multiple times that I'm not interested and to stop calling me, also I called their corporate office XXXX XXXX XXXX, MI couple of times to stop all the marketing call but it didn't helped. This is harassment for not taking a mortgage from them. Can you please help me to stop these marketing calls from Rapid Mortgage Funding. 

Phone numbers used to call me : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, 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:
In XX/XX/2019 I mailed a letter to each credit reporting agency that was sent to me from XXXX XXXX XXXX that they would remove this account from all reporting credit agencies and it is XXXX and this is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: DISCOVER BANK
State: CT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Discover card lowered my credit rating and removed over XXXX worth of credit from my credit line based on an inquiry that " just happened '' to be at the highest point of my credit debt. This occurred in XXXX 2016. In the last 60 days I have paid off XXXX worth of credit card debt and Discover will not do another inquiry for me, without doing a hard credit pull, to ascertain if I am worthy of more credit. I have several credit cards and all of them are in good standing. None of them have requested a credit line decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Other

Complaint:
I filed a complaint in regards to a fraudulent inquiry on my Equifax credit report from XXXX that was dated XXXX XXXX, 2016. I was informed XXXX XXXX, 2016 by XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX from Discover that she would forward a letter for Equifax to remove the fraudulent inquiry. Well, as of today, XXXX, it still has n't been deleted from my credit report. I contacted Equifax and they would not remove. I have attached the letter that was forwarded from XXXX XXXX in regard to removing the fraudulent inquiry. 
I am asking XXXX XXXX to please contact Equifax to have it immediately removed. It is unfair to me to have an inquiry on my credit report in which I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card
Issue: Late fee

Complaint:
My credit card company charged me a late payment fee which I disputed and the company did waive the fee but now they have increased the minimum monthly payment because of the late payment fee, which they waived but somehow it is still affecting my minimum monthly payment and will be affecting it for the next 6 months. They refuse to make an adjustment to the minimum monthly payment and insist that the payments will remain as they are for the next 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Maximus Education, LLC dba Aidvantage
State: AR
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:
I have been reaching out to the Dep of Education for months trying to update/correct inaccurate items on my credit reports. First, I contacted the credit bureaus and they replied back that the accounts were accurate and reporting correctly. Everytime I contact them I keep getting the same response but my credit reports shows differently. I have several accounts reporting from the Dept of Ed and all of these accounts are reporting inaccurately. According to the FCRA, all information on your credit report should be reporting 100 % accurately or it should be removed from my credit reports. The laws are clearly being broken and my rights as a consumer has been violated more than once.

All accounts reporting from the Dept of Ed are inaccurate ... missing incomplete account numbers, inaccurate late payments that does not match my records, closed accounts still reporting balances, inaccurate account balances just to name a few violations that are constantly being overlooked but they still reporting inaccurately to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: American Payment Holdco, Inc.
State: DC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
A friend transferred money to me using Popmoney. First, the email notifying me of he transfer was not marked as coming from Popmoney so I did not see it looking for Popmoney as the transferor had identified it. After a thorough search of my emails I found it XXXX days later. When I tried to collect my funds, the website was nearly impossible to use. First, when they sent my an email that was supposed to contain a PIN number, the email did not include it. I was wise enough to try a second time and only on the second try did the email contain the PIN number. Next, they needed my birth date but the only way to select my birth date was to click a back arrow through 65 years at XXXX month per click..When I finally reached the point where I could attempt to deposit the funds, the menu to select the destination account listed the account but it was not clickable. Finally I called Popmoney and was informed that their mobile website has not been working properly and I would have to go to a non-mobile device to complete the deposit. Fortunately, I am a wealthy individual who has both mobile and non-mobile device so I was able to complete the transaction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have had a Discover card since XXXX in which they have advertised for decades a " 1 % cash back bonus ''. ( See the attached XXXX which references this. This was how Discover entered into the credit card business was with the 1 % cash back bonus to compete against Visa and XXXX XXXX and MasterCard. Tonight I called Discover because my cash back was much less than 1 % and I spent approximately {$11000.00} in XXXX. The whole year I 've only earned {$270.00} in cash back bonus but spent {$41000.00} on my Discover Card. So my cash back bonus should be {$410.00}. I find out that because my anniversary date of joining Discover is in XXXX my cash back is only XXXX up until I spend {$3000.00} in XXXX. This is false and deceptive advertising - no where does Discover say that this happens on your anniversary date - which conveniently for them is the month that I spend the most for the holidays. Further, I found out from the service rep who I spoke to that they now have a special card called an " IT '' card ( which I have never heard of ) that offers 1 % to customers who joined since XXXX that does n't have an anniversary date catch. So not only have I been ripped off for 30 years but now new customers get the 1 % automatically. But I would have to replace my current card with this new " IT '' card. That 's just crazy! Why did n't they give their long-time customers the IT card automatically?? I am sure most of us do n't even know IT exists!! Or a better question - why create another card when my card is supposed to pay 1 % cash back? Why would I voluntarily choose to have a card that pays XXXX over one that pays 1 %?? 

Discover Card needs to stop false advertising. None of their current TV advertising about the 1 % cash back bonus says " if you are a long-time customer this does n't apply to you ''. This is just another scam like the XXXX XXXX scam. Discover Card ca n't get away with ripping off long-time customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: MD
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:
Identity Theft Report Attached. 

The investigation and reinvestigation of this account was never presented. Verified electronically is not an investigation. 
I was unaware of who XXXX was until I had to fight to prove the account does not belong to me. 
Account : XXXX I also noticed a few inquiries appeared, hopefully the data breaches and hackers have not taken any further steps. 
Inquiries : XXXX, XXXX, XXXX XXXX Please delete the above placed identity theft account and inquiries from my consumer credit report and file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: DISCOVER BANK
State: UT
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I saw a promotion where Discover Bank was offering {$100.00} within 30 days of opening a savings account with them and depositing {$15000.00}. I followed their terms exactly, my deposit was made on XXXX/XXXX/2016, and Discover has not given me the {$100.00} that was promised. I have repeatedly emailed and called them and have received no explanation as to why. They tell me it is obvious I have met the terms, but there 's nothing they can do to help me, and that I should keep waiting, and that maybe in a few weeks I 'll get what I should have received by XXXX/XXXX/2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-26
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Klima Peters & Daly PA has contacted me regarding an alleged debt. I sent a cease and desist letter, and an .Affidavit of Truth. I sent an second cease and desist advising Klima Peters & Daly of violating my rights as a consumer under 15 USC 1692 g,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and have been trying for weeks in an attempt to get my dispute of fraudulent charges/ unauthorized transactions approved by Td bank with no success in which I have done everything they have asked. 

I am a victim of clear fraud through the social media app called XXXX. My friend on the app named XXXX XXXX XXXX had his account hacked and his identity stolen. The hacker impersonated XXXX XXXX over XXXX prompting me to use XXXX to invest under false pretenses. 

At the time I was not aware he was hacked, I thought I was investing money with a friend. I authorized {$1000.00} using a crypto exchange app called XXXX in which I got a td text to approve. 
I soon saw unauthorized transactions of another {$1000.00}, {$8200.00}, {$240.00}, {$30.00}, {$30.00} which I DID NOT AUTHORIZE and DID NOT GET A TD TEXT. 

I got suspicious when I was not able to get my investment or profit back so I contacted my friend with another form of communication in which he informed me he was hacked on XXXX and reported it. Knowing that I got defrauded from identity theft, I had provided police reports, reported to Federal Trade Commission, office of general attorney to Td bank to get disputed as I should as per FTC clearly stating this is fraud. As per police, it is fraud. I have done all that is asked to have these fraudulent disputes approved yet with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting a " pending '' judgement ( XXXX. XXXX XXXX Texas ). This error was also showing up on XXXX and XXXX, however after I mailed them and pointed it out they deleted it. Equifax says they " verified '' the information. I have contacted the clerk of the court and was assured that no one from any credit bureau had been in touch with them nor did they ever report this in the first place. 
This was settled before court. There never was a judgement. It is not pending since 2008 as Equifax is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26
Company: Nelnet, 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:
I am a victim of identity theft. The information that your company, Department of Education Nelnet ( DEPTEDNELNET ) student loan, is still reporting to my XXXX Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX, XXXX  XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. DEPTEDNELNET student loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : DEPTEDNELNET 9 late payments {$0.00} Closed Account info Account name : DEPTEDNELNET Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Account status : Closed Payment status : Paid or paying as agreed Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$20000.00} Past due amount : {$0.00} Terms120 Months ResponsibilityIndividual account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
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: Information belongs to someone else

Complaint:
Upon checking my annual credit report i noticed errors reporting on my credit file.

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 2021-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX has contacted me regarding an alleged debt. I sent a cease and desist letter, and an .Affidavit of Truth. I sent an second cease and desist advising XXXX XXXX XXXX XXXX of violating my rights as a consumer under 15 USC 1692 g,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification that a collect account was reporting to my credit report from an account I have no knowledge of. I spoke to the original creditor who asked that I submit a fraud complaint form and I would receive resolution. The complaint was submitted and I was left a voicemail that the debt was validated based on a match from public records. I requested a signed original contract as well as any and all validation they have to prove this is my account and NOT a result of fraud. I have since proved to the CRA 's that the " public information '' is inaccurate and it has been removed from my file ( i.e. address ). The collection agency was able to provide me information regarding the debt by locating the account using my SSN. They provided me with the Account number which has lead me no where with the Original Creditor. When speaking to the original creditor, I have been advised they ( the front line representative ) is unable to discuss the account without the account passcode. I informed them seeing as how the account was established without my authorization, I do not have that information. I have been unable to receive resolution from either the original creditor nor the collection agency that is reporting this debt.

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 2020-04-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I use Chase online Bill pay for everything and never had an issue. When I closed my mortgage with XXXX  I set them up as a payee - on XX/XX/XXXX and XX/XX/XXXX Chase successfully cut a PHYSICAL check to my mortgage provider. My loan was sold, and then resold to XXXX this year where I reset up my XXXX payee EXACTLY as it was in XXXX. However, without warning or my knowledge Chase did not cut a physical but rather sent the payment electronically. I did not authorize an electronic payment nor did I want it electronically. So the payments they sent on XX/XX/XXXX and on XX/XX/XXXX went to non-existent accounts. They were not XXXX 's accounts, the intended recipient. They amount totals {$3400.00}. I have tried calling multiple times and filed a claim directly with the company on XX/XX/XXXX asking them to investigate. They have NOT been able to produce a trace number for me nor a receipt of any kind verifying the account that the money was sent to. Today, XX/XX/XXXX they notified me that my claim was denied. However they did not attach any additional proof of trace numbers or the exact accounts that the money was actually sent to. These were not XXXX 's accounts and XXXX wasn't even aware that Chase had their Banking information. Consumers need to be given the option to set up electronic or physical checks because of this EXACT reason. I was expecting a physical check to be cut as they have always done in the past. I need to get back that {$3400.00} so I don't lose my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Progressive Financial Services, Inc.
State: FL
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:
XX/XX/XXXX-XX/XX/XXXX I closed my account with XXXX. I was tired of at least a weekly outage always some excuse about my location. I turned in my. equipment and paid my last bill. I prorated the days I was without serice, I explained that at the XXXX office in my are when I turned in my equipment. I explained that nicely to the service rep that is should not pay for something I was n't getting. She agreed and after reviewing all my many calls regarding cable outage. I received a bill for the equipment ... I spoke to a supervisor after receiving a couple of bills. The problem was settled as it was their oversite. Never received a bill after that call. XX/XX/XXXX I got a bill from a collection agency 6 years later stating I owed {$400.00}. I called them, shared the story and told them in no uncertain terms I do not owe this and I am NOT paying for a bill I do not owe. I never received another collection notice after that call. Now it has been 7 years and recently did a check of my credit report and noticed this from XXXX showed up on XXXX. It is showing as the debt was from XX/XX/XXXX ... that is wrong. I would like this issue resolved, please. Btw I have been a happy XXXX customer since XX/XX/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 explanation
Consumer complaint received 2017-01-17
Company: Comerica
State: RI
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
I had a federal XXXX mthly check deposited. then it was fraudulently taken out in XXXX florida on the XX/XX/2017 around XXXX eastern to XXXX eastern time now direct express will not give me my provisional money or answers as to why their customer service is terrible and lack of fax number for expedited letters and lack of communication i am out my monthly check and am being evicted out of my residence.

Company response to consumer: Closed with monetary relief