BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: Interstate Recovery Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX had contacted me during my work hours I spoke to a young lady offering a a gift card for {$250.00} and I will receive magazines and can cancel any time. She then transferred my call to another representative that took my mail address. I never received the gift card but I did their magazines. They withdraw {$50.00} on XX/XX/XXXX through XX/XX/XXXX off my Checking account. I had recently moved from my original address and did not pay much attention with the plan to cancel the magazines. When I tried to cancel on XX/XX/XXXX they refused to cancel my policy saying they had send me a notice of renewal and since I did not sign they automatically sign you up for a year contract without my consent!!! I tried to explain that I moved and was not aware of the notice and tried to cancel with no success. I contacted my bank on XX/XX/XXXX to stop payment. The Bank also tried to contact XXXX XXXX XXXX to cancel payment and they were very rude not only towards me but to the Bank Representative refusing to cancel.My bank did warn them they will stop payment and they will be recorded as well of the conversation if they withdrew any more money from my account they will take action. Since than I keep getting harassed phone calls and mail by the company and recently a debt collector to collect the full amount of year contract. I need a resolution to stop this company, read reviews on line and I 'm not the only victim of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CITIBANK, N.A.
State: GA
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:
For the past XXXX month I tried to clear up wrong information with XXXX and XXXX Bank and XXXX XXXX ) XXXX XXXX close XXXX of my account base on incorrect information from XXXX XXXX Home Depot Credit card and XXXX XXXX ) These account has never been late. After speaking with a Attorney, I was told XXXX XXXX report to the companies they represent, I 'm a risk to do business with them. I have done business with XXXX XXXX and XXXX XXXX over 1XXXX years my account has never been late. What is the risk?. This is a marketing strategy XXXX XXXX use to make money on the consumer backs. Where are my rights? XXXX XXXX knows credit reporting companies are always reporting incorrect information. They do n't care about the consumers. Had I known this I would not have applied for these cards. Can I suit XXXX XXXX, XXXX XXXX, XXXX XXXX for the hardship they created for my husband and I. I do n't remember signing an agreement with this authorization. When will the CFPB hold the credit reporting companies accountable for hurting the consumer time over and over. When you are conducting financial business the opportunity can be huge for you and your family. Because of bad information the credit reporting companies kills it every time. Please help the consumer. Companies like XXXX need regulation from hurting the consumer.

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 2019-07-20
Company: DISCOVER BANK
State: AZ
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:
XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX I asked discover bank to return the money to my bank account they wont do it I did not submit these payments I also called XX/XX/XXXX to get them to file a dispute and they are not helping at all. Discover told me to tell my bank to file a charge back but XX/XX/XXXX wont process a charge back dispute I've also called parent company ofXX/XX/XXXX XX/XX/XXXX and they aren't helping either. I need my money back and they wont help me please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was advertised to get {$50.00} cash back on XXXX XXXX after spending {$50.00} there ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX {$75.00} cash back after spending {$75.00} at XXXX ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) However, they keep on telling me that the account was not opened in the time frame it was supposed to be or that I am ineligible to receive cash back since I am not the account owner, but he has not received the promised cash back either. However, I did receive the {$3.00} standard cash back for the purchases proving that I am eligible to make daily cash earnings for the purchases I make. The account owner opened the account on or around XX/XX/XXXX. 

For the XXXX XXXX  promotion it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21 For the XXXX offer, it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-20
Company: Exeter Finance Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I told the finance company Exeter that the contract they have is different than the one the dealership gave me it's a contradiction and the attorney general has closed the dealership where I got my car I cant get my warranties my oil change or my tires. Exeter wants me to pay but the car doesnt have active warranties because of the fraudulent things the dealership has done. I called exeter to see if I can have an extension because I have to pay for repairs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Ditech Financial LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
repeated letters to collect a debt that was written off by the company and no longer exists on my credit report. Debt is over 10 years old. Company keeps sending me info about their chapter XXXX problems. I have wrote to them XX/XX/2019 telling them to stop and they responded with a an auto reply that day saying they received it. Then one week later with an email saying they would be in touch with an answer. Then on XX/XX/2019 I got another letter about chapter XXXX. I don't see how that is of any interest to me. I don't need any further info or contact from this predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Synchrony Bank started harassing me in XXXX. First they sent me certified mail multiple times, which alerted my mom of debts and was very humiliating. They were also calling me numerous times a day. To put a stop to it, I sent a cease and desist out, yet the calls continued a short time after. 

I still have a copy of certified mail from XX/XX/XXXX. If they provide my messages and with phone logs, I can prove they called me after the cease and desist. 

Later on XX/XX/XXXX I received a letter threatening suit, from XXXX XXXX XXXX, XXXX. They made a threat that I could be sued for not only the principal amount but legal costs as well. They also said that if I didn't dispute the charge in 30 days, it would be assumed correct, thus trying to take my legal right to debt verification away from me. 

Later on XX/XX/XXXX, they sent me a court summons.

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 2019-07-20
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I changed my phone number because of harassing robo calls and telemarketing calls. when I log into my TD Bank account online it sends a code to my phone, well naturally I couldn't do thid once I changed the number, so I first tried to fix the problem by calling TD Bank 's customer service number XXXX XXXX XXXX ( please call this number yourself and experience waiting on hold for 30 minutes plus ) after holding for 41 minutes these idiots tell me I have to go into the branch to do this. so Thursday I take off a 1/2 day off to go into the TD Bank at XXXX and XXXX XXXX in XXXX Pa, I went to an XXXX XXXX XXXX and she asked for my id and td bank card, so I gave them to her. now this was about XXXX Thursday XX/XX/19 and still today the XXXX site still doesn't have the new number displayed its still showing the old number, so I still cant log into my account. I want TD Bank 's XXXX FINED. and I want to be compensated for my time. the worthless site needs to be revamped, it doesn't make sense that a customer has to go through this. and you get one of their sorry XXXX apathetic apologies when you complain to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Investigation did not fix error

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 2022-05-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Last month ( XXXX XXXX ) I reported to CFPB that Experian dropped my credit score by 20 points for using {$130.00} of my {$5600.00} available credit. By XX/XX/XXXX Experian gave me back the 20 points they took away. I paid off the {$130.00} a week after I charged it in XXXX XXXX. I checked my credit report on XX/XX/XXXX and saw that Experian reported that I paid off the {$130.00} on XX/XX/XXXX, but then dropped my credit score by 19 points!!!! My score should have increased by 19/20 points for paying off the only thing I charged on my credit card for months. There were no other changes or movement on my credit report. But, my score went from a XXXX to a XXXX. This means I went from having GOOD credit to FAIR credit. Experian has been doing this to me for years! Whenever I pay on my credit cards or my loans, they decrease my credit score. They've even lowered my score by 20 points for things like asking them to correct my address and employer information. They arbitrarily lower my score for things that should increase my score or shouldn't affect my score at all. Plus, when I dispute incorrect items on my credit report, I end up having to spend months, and in some cases years, to get them to correct things. For example, it took them 12 months ( a full year ) to correct my name, address and employer. By law, they must report things accurately and not do things on purpose to bring down my credit rating. Since this has been happening to me for years now, I can see that they're trying very hard to keep me from bettering my credit rating so that I am subject to the subprime credit card and lending marker. I can't get a decent loan to by a home for or get credit cards for XXXX XXXX due to Experian 's illegal and unfair reporting. My credit score with the other two credit reporting agency is in the 700s because they're not penalizing me for paying-off my credit card ... and it should be in the XXXX at Experian by now. 

Per the Fair Credit Reporting Act, my credit rating can't be arbitrarily brought down because Experian decides to do so on their own. My credit rating needs to accurately reflect the accounts I have, when I make payments, and show how I use credit. Not punish me for paying my credit cards on time. Since I use my credit responsibly, have NO DEBT and never go above 3 % usage of my available credit, my credit report and score should be in the XXXX by now. So, this unfair and illegal practice of theirs needs to stop.

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 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I do not own this debt.This vehicle was stolen  XXXX    XXXX  . Police Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  needs to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why  XXXX   XXXX   XXXX  refuses to go after the correct owner of this debt. If  XXXX   XXXX   XXXX  can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed

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 2019-07-20
Company: Ditech Financial LLC
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:
Mortgage Company Ditech which held 2 mortgages for properties that I owned reported each and every payment LATE. The mortgages were auto debited from my bank account on the XXXX of every month for 16 years! This year I discovered all payments had been reported late, credit bureau investigated and repaired false info. DITECH STILL reported the last 2 payments as LATE. I have exemplary credit and this is preventing me from obtaining a loan that I need. I called Ditech in the beginning of the loan ( 2004 and was told that there was no issue thought the listed on my invoice that each last payment was late. It is very unfortunate that they would take advantage of the consumer like this. No late fees, no late payments were ever made. Loans are paid off but now last 2 payments still appear as chronically late on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20
Company: CURO Intermediate Holdings
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I was contacted about being approved for a loan. XXXX Tuesday the XX/XX/XXXX! As I found out yesterday it was fraudulent company! They deposited bad checks into my aaccout, I was told to send the money back to them to improve my credit score so I could get the loan!. Now my bank has closed my account, they informed me it was all fake. I don't know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX 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 an 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 2022-05-03
Company: Exeter Finance Corp.
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:
I have new and updated information from closed complaint XXXX. 
In my last complaint I stated that the dealership had shown no proof of the application. XXXX XXXX has sent over a copy of the application. See attached. Right above the signature of the application there is a statement that reads as follows : " You are notified pursuant to the Fair Credit Reporting Act, that your application may be submitted to the financial institutions named below or to other financial institutions.

I'd like to bring attention to the fact that the word " May '' is not a definitive term as it means expressing possibility. Making this statement deceptive.

Underneath this statement is a space for the names and addresses of financial institutions that may be contacted. That space is empty, there was no disclosure that these financial institutions would be receiving my credit report. Therefore XXXX XXXX, Exeter Finance Corp, and all other financial institutions contacted by this dealership by use of my signature on this deceptive form had no direct or indirect authorization, consent, or permissible purpose to review & furnish my report. This is proof of unfairness, partiality, and a violation to my right to privacy as a consumer from the dealership and financial institutions involved pursuant to The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: NJ
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:
Equifax are refusing to remove the following even after being provided with documents from the companies who never had authorization. 

The following inquiries are unauthorized : Creditor : XXXX XXXX ( XXXX ) Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX Creditor : XXXX XXXX : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX Creditor : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX spoke with the following Supervisor name XXXX ID XXXX who informed me they will never verify or remove this and i can do all i want. 

Another Manager by the name XXXX with employee ID XXXX in their consumer affairs department also told me they will not do anything and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: MT
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:
I have notified EQUIFAX regarding the hard hit inquiries listed below that I don't recall authorizing. It's been more than 30 days and EQUIFAX has failed to take any action or even give me a response. This is very concerning to me because I am a victim of Identity Theft. 

XXXX XX/XX/2019 XXXX   XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 & XX/XX/2019 XXXX XX/XX/2019 & XX/XX/2019 XXXX XX/XX/2019 I am requesting that EQUIFAX conduct an investigation and provide me a copy of the original credit application with my signature & date. Furthermore, I will like to be provided with the name they spoke to during their investigation if the inquiries was authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted tarns union via letter, file 2 complain true this site, they refused to correct an error on my report file number XXXX report date XX/XX/2019 error Inquire XXXX XXXX XXXX XXXX XXXX TN XXXX requested XX/XX/2019 this inquire was never requested by me, I contacted teh company they gave me teh run around copies of recent report attach

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 2021-11-09
Company: Dynamic Recovery Solutions, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX {$6900.00} DYNAMIC RECOVERY SOLUT XXXX {$1400.00} DYNAMIC RECOVERY SOLUT XXXX {$880.00} XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief