BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: DISCOVER BANK
State: NY
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:
XX/XX/2019 : I received a letter from Discover stating that my account was closed. The reason given was a " business decision. '' I was told that I can not be given anymore information and to write a letter to their headquarters for more information. 

XX/XX/2019 : I wrote a letter to Discover and later in the month, received communication that my letter was received. 

XX/XX/2019 : Received a phone call from the executive office and was again told that it closed due a " business decision. '' Also, I was told that I not allowed to get any more information and that they were the highest department I can complain to. 

Context about me : Never had a late/missed payment, total credit utilization is around 5-7 % on average. I have 4 other credit cards - again no late/missed payments. Credit score is around 750-800, depending on credit bureau. I have a mortgage that has been paid on time each month and equal to about 1yr of salary. I have 1 car payment, which again, has been paid on time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}

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 non-monetary relief
Consumer complaint received 2019-11-03
Company: EQUIFAX, INC.
State: SC
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 obtained a personal loan from security finance in XX/XX/2018 with all intent to pay. I paid on my account twice and contacted them to let them know I lost my then job. The guy had an attitude so I decided not to go back. He then did 11 hard inquiries on my credit. I contacted him to let him know that his actions was illegal and it needs to stop.he stated that he didnt know a better way to reach me. He didnt call me once before I contacted him. He has since charged the account off and left a derogatory remark on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I disputed with ATG Credit two items on my XXXX  Credit Report that were sent via certified mail. ATG Credit never replied within the time frame allowed. On XX/XX/XXXX I disputed with ATG Credit again regarding the two items on my XXXX  Credit report, ATG Credit did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a unused credit card from Capital One for which I was paying a lot of money on Membership Fees. OnXX/XX/XXXX I called Capital One ( at around XXXX XX/XX/XXXXPDT ) and asked them to close my credit card. There was no option to close the credit card from the online site. This is a very deceptive and dubious practice. I spoke to the customer service person for more than 15 minutes who tried various ways to keep the account active which I declined. I asked them to close the account immediately. On XXXX I found through credit reporting agency that my card was still open and I was being charged Annual Membership fees + Interest charges and I was missing payments for the same. I did not receive a paper statement it nor did I receive an email. I was under the impression that my card was closed. Today I chatted with Capital One online so that I can keep a record of my chat. They told me that they can not help if the account was not closed and can waive the fees if I pay the membership fee. This is extortion in broad day light with the help of the Government. Why they don't have an option to close account online as that would give us a clear record and a transaction ID? Basically they want you to call them so that they can keep your cards open. Capital One has ruined my credit report and they should pay for it. 

This is the same practice XXXX XXXX did with me few months ago and the same practice by Capital One. 

I don't think CFPB will do anything ( as they did not do anything regarding similar complaint against XXXX XXXX ) but I am recording this complaint anyway so that I can reach out to our congressman and senators with the same complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: TX
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:
over 10 lines on my credit report asked for consolidation and repayment to match income on my tax return

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 2022-07-19
Company: Experian Information Solutions Inc.
State: NY
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XX/XX/XXXXXX/XX/XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX Age of Account XX/XX/XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of AccountXX/XX/XXXX| XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1700.00} Remaining Balance XXXX XXXX Amount XXXX Late Payments XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account XX/XX/XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account XX/XX/XXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account 15 usc 1681a 4 fcra section state i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 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 they may only report crimes not debts which the report by more than three years 15 usc 1681 s 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.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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 2022-07-19
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was opened in my name with TRUIST. I did not open this account. There are several transactions under the name XXXX XXXX XXXX XXXX I called TRUIST XXXX and they refused to close the account and said they would monitor it.

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 2021-01-21
Company: AES/PHEAA
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FEDLOAN SERVICING reported multiple alleged accounts to the consumer reporting agencies. I am disputing the validity of this alleged debt pursuant to 15 USC 1692g as it is damaging to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ) and invades my right to individual privacy pursuant to 15 USC 1692. I have sent this company a debt validation letter and await their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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:
I have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with XXXX XXXX XXXX XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called XXXX customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. 

I contacted XXXX XXXX XXXX XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened inquiry-dispute more than 30 days now on my account card after not receiving the service I paid for ... credit company told me it will be credited to me numerous times now ... including calling and speaking with supervisor that promised me all taking care of ... nothing has been credited to my account... I want to open a lawsuit against my bank so they will not credit that dispute and keep lies to me on the phone when I calls each time ... .as ALL credit cards companies ... any dispute needs to be resolved 15 days and not that longer time my back holds it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: SC
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 they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Scheels Visa customer support number is : XXXX. 

I accidentally dialed XXXX XXXX, And this number is posing to be VISA, and took all of my info. 

I noticed the misdial and eventually hung up.

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 2019-11-03
Company: WELLS FARGO & COMPANY
State: HI
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:
It shows that I owe {$120.00} to Wells Fargo Credit Services however that account has been closed for over 4 years. I would like this removed from my credit report or updated so it does not reflect unpaid.

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 2017-04-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Have faxed information several times to Equifax dept of consumer affairs and they keep stating that they have not received my forms for ssn and utility bill but have received my disputes. this initial began on XX/XX/XXXX/17 and I was told I could not get a copy of my credit report until they received this information. Well I received a copy of my credit report. They are stating information is missing from the SSA 85 form which is their address. I corrected the information and faxed it over the last 2 weeks and they receive the other pages in the fax but not these forms. I believe someone is taking the forms out. I just want to take the fraud alert off and have my inquires and disputes taken off my credit report and they are n't allowing me to do this. if I mail the form I believe they are going to state they have n't received that as well please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has reported a collection account to XXXX claiming that I owe them {$180.00}. This reporting is either the result of identity theft or an egregious mistake on their part. For all I know it could be a scam? One thing I know for sure is that I do not owe XXXX any money, and this reporting is inaccurate. I want it removed immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the XXXX XXXX XXXX TD Bank location on Thursday, XX/XX/2019 after I got out of work to use the atm. Naturally, the bank was closed, so this was the only option. After I deposited my {$78.00} into the atm, it jammed and asked me on-screen to enter the amount of money I put into it. I did so, and it forced the deposit into my account, while printing a receipt for this. The next morning, I wake up and notice that only {$58.00} of my {$78.00} has been deposited. I drive from three towns away to speak to an employee, as the phone number listed on the receipt and online makes it virtually impossible to speak to a real person, and they tell me that machine jams happen " all the time '' and that " they only found {$58.00} in the atm when they opened it up ''. I'm sorry, but should I be held liable because of employee error, or the fact that it could have gotten cycled into the machine unlike the rest of the money and they did not look and consider this? Furthermore, couldn't it have been possible this happen to other people the same night before me, as this " happens all the time '', and there were multiple transaction errors? Instead of providing me with any assistance, this employee make it clear he wasn't going to do anything about this, and walked away to the other end of the store to make someone else deal with it. I have not been provided with a proper deposit slip as it says " error '' online, and the one I have clearly is not that if they didn't give me the amount printed on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Number 1, your questions are not exactly geared to my issue. I am having an issue of calling the only number I have been issued for the GoProgram 's Way2Go card. I have been able to transfer money to my bank one time, and now, it does not give me that option through that number anymore. All options, press 1, press 2, etc., are not giving me that option anymore. I have tried every option on that system and nothing is there. 

I have automatic bill pay and I can not transfer the money. I have gone directly to my bank with my card, and it does not accept the card. The nearest ATM that will accept it ( I've checked online ) is 8 miles away. This is really inconvenient. 

I went into the GoProgram 's website to see if I could get direct deposit. The option is for Oklahoma only, I live in Georgia. 

I called your phone number and spoke to someone who was very helpful. I will try what her suggestion is. But I wanted to file my complaint in case her suggestion will work ( she gave me a phone number to call to see if I can get direct deposit that way ). 

Thank you for your time and efforts on my behalf.

Company response to consumer: Closed with explanation