BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Other

Complaint:
MY NAME IS XXXX XXXX AND I AM FILING MY SECOND COMPLAINT AGAINST DISCOVER CARD. AFTER NUMEROUS GOOD FAITH LETTERS AND FIRST COMPLAINT, I RECEIVED A FORMAL RESPONSE AND A PHONE CONVERSATION WITH XXXX XXXX IN THE CUSTOMER ADVOCACY DEPARTMENT. DISCOVER HAS FILED A LAWSUIT AGAINST ME THROUGH XXXX LAW FIRM. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies AND FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. MY FIRST LETTER OF FORMAL DISPUTE WAS MAILED OUT XX/XX/2016 AND WAS FORMALLY DELIVERED THROUGH CERTIFIED MAIL XX/XX/2016. XXXX XXXX CLAIMED THE FIRST LETTER WAS RECEIVED XX/XX/2016 WHICH IS NOT CORRECT AND I HAVE PROOF. SECOND THE DISPUTE LANGUAGE WAS NOT ADDED TO MY CREDIT REPORT UNTIL AFTER I FILED MY COMPLAINT WITH CFPB. ACCORDING TO XXXX XX/XX/2016 IS WHEN THE DISPUTE LANGUAGE WAS ADDED TO MY CREDIT REPORT AND ACCORDING TO XXXX XX/XX/2016 IS WHEN DISCOVER REPORTED THEM OF A DISPUTE LANGUAGE ON MY CREDIT REPORT. LAW SAYS IT HAS TO BE 30 DAYS FROM THE TIME THE DISUTE LETTER WAS RECEIVED. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well as FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers - Information Available to Victims 609 ( a1 ) ( e2 ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
2. ACCOUT NAME : XXXX ACC BAL : {$100000.00} This account was charged off listed with wrong balance please delete error 3. ACCOUNT NAME : XXXX ACC. BAL {$1700.00} no proof of contract collection trans error please delete. 
4. ACCOUNT NAME : THE XXXX ACC BAL : {$73.00} I have never done business with this company error please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX/ XXXX/ XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I made a payment of {$900.00} to my Gapcard account via the XXXX XXXX XXXX  bill pay website. The {$900.00} payment is clearly shown on my XX/XX/XXXX credit card statement. My XX/XX/XXXX statement reflects my balance minus the {$900.00} payment that was made XX/XX/XXXX. My XX/XX/XXXX statement shows {$900.00} added back to my balance listed as " Adjustment-Payments ''. I called the company and spoke to a customer service rep who seemed very confused and stated I should call back if the issue did not resolve in the next billing cycle. The next day I spoke to a more helpful rep who agreed the Adjust-Payments charge looked odd and opened a case ( XXXX XXXX ) on my behalf. She informed me it could take up to two billing cycles to correct the issue. I received a letter in the mail from Barclay 's Gapcard dated XX/XX/XXXX referencing my case number. The letter stated my inquiry had been resolved and that my next billing statement would reflect the correction. There was no contact information listed on the letter and it simply stated to call customer service with any issues. My XX/XX/XXXX did not show the {$900.00} applied to my balance and I called customer service again. After giving my case number and explaining the letter I received the representative told me the issue was with my bank and that I needed to contact XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX and received confirmation that a representative from the bank had spoken to a Gapcard representative and the outcome was that they confirmed receipt of the {$900.00} payment and no late fees were charged to my account. My XX/XX/XXXX and XX/XX/XXXX statements still did not show the {$900.00} credit and when I called again a representative told me their investigation into my case is on-going and the issue seemed to be with my bank. Again I contacted XXXX XXXX XXXXXXXX and received a response stating a bank rep confirmed receipt of the payment. My XX/XX/XXXX and XX/XX/XXXX still show a balance and I have yet to see the {$900.00} payment clearly credited back to my account.

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 2020-01-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I opened a UTMA Account for my minor daughter, she is XXXX. Since the opening of the account in XX/XX/2019, Citizens Bank has been holding deposits, reordering transactions, allowing small debit card purchases ( under {$25.00} ) to default the account so that they can charge {$35.00} on that nominal amount that had fallen into negative due to the banks reordering of transactions. To date, I have over {$1500.00} in overdraft charges and Sustained over draft fees. This bank is the most difficult to work with, I have made numerous calls to customer service ( at least ten ) regarding this issue of default ( which is comprised of ONLY fee 's by Citizens ). I  refuse to put another deposit into this account until they remove their exorbitant and fraudulent fees, They have already taken the last there deposits I put into the account for over {$400.00} to only put the account into further sustained overdrafts. This is a minor 's account and my daughter has been heartsick with losing her hard earned savings that was deposited into the account and then applied, every dime, to the overdraft fees. As a educated consumer I know what to look for with banks but this is robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I believe that the XXXX credit bureaus are grading my credit report in a discriminatory fashion and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Rewards

Complaint:
I opened an American Express corporate card account in XXXX XXXX. The card has no annual fee however I enrolled in AMEX membership rewards program and paid an annual participation fee of {$75.00}. I also paid AMEX a fee of {$39.00} on XXXX occasions to " reinstate '' previously issued points. Since opening I have accrued approximately XXXX AMEX points with a value of approximately {$2800.00} ( XXXX point = {$0.00} in purchased travel ). In XXXX I was contacted by American Express regarding suspected fraudulent use of my card by someone in another state. I confirmed that the charges were not mine and American Express replaced my card. I was promised that everything including my rewards membership would stay the same, however it appears the new card was not enrolled in membership rewards at that time. Since that time I believe I earned approximately XXXX AMEX points however these were not credited to the new card. When I tried to use my points I contacted American Express and they informed me that I have XXXX point balance and they are unable to reinstate my points. This appears to violate zero Liability for fraud guarantee from American Express. My card replacement occurred due to fraud through no fault of my own. American Express zeroed out my point balance after I paid them over {$1000.00} in fees just to maintain my points membership. My account has remained in good standing the entire time. Please help reinstate my membership rewards points XXXX lost from XXXX and XXXX from mid XXXX until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Good Morning Equifax. I want to start off by saying thank you for making progress here.. but I just looked at my Equifax complete service and I noticed that the XXXX account that we are going back and forth over is not even my account I have attached a document with the card I have with XXXX and the only one. I asked you if you could please remove this account that does not belong to me. 
if you can see it in your heart and please remove this account because it 's not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had set up automatic payments with my mortgage specialist XXXX XXXX. A payment was to be taken out on XXXX XXXX, 2016, but had not been taken out. I called Beneficial today, XXXX XXXX, 2016 to question why the payment had not been taken. I was informed by the representative that an attempt was made on XXXX XXXX to draft the money but was returned insufficient funds. I advised the representative that could not be true and requested a conference with my bank. My bank informed the representative that no attempt was made to withdraw the funds and that more than enough funds were available. The bank verified the account number and it was established that Beneficial did have the correct account number. I was told by Beneficial that they would not attempt to draft the funds again, I could not make a payment over the phone, I discovered that I could not make a payment online and that there is not a local branch were I can go in to make a payment. I was told that I could only make payments with a certified bank check. I have been on automatic payments for at least XXXX years, and I have not had a payment returned for insufficient funds. I asked to speak to a supervisor and I spoke to XXXX who said I would have to get a letter from my bank. I am not sure why I would have to get a letter when the representative called my bank and spoke with a bank representative who confirmed that a payment was not returned for insufficient funds on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is related to case # XXXX. I have a mortgage with Investors Bank. They made significant errors in servicing the account, including debiting extra unauthorized payments from a linked checking account and incorrectly applying the payments to the wrong amounts of interest/principal repeatedly. After about 9 months of issues and many complaints, they seem to have finally fixed that problem. This is a NEW complaint regarding the same account. In addition to the aforementioned issues, I just ran a credit report and discovered that Investors Bank erroneously reported a late/missed payment on the account in XXXX 2016, even though no payment was ever missed and, in fact, the payments were AUTOMATICALLY debited biweekly from a checking account at the same bank. Furthermore, the bank 's report to the credit bureau contains additional errors, such as the term of the loan ( not 25 months ) and the type of loan ( not an automobile loan ). This continues a pattern of sloppy, incompetent behavior by the bank. Please help us ensure that they fix this problem and do not create any additional ones in the future.

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 2017-03-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, there is a tax lien public record with docket number XXXX with XXXX filed on XX/XX/2014 that was noted on my file that I have been trying for the last 5 months to get this entry removed. 

I have spoken with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a supervisor and asked from Equifax on how credit bureaus verify their public records. I want to know this information because the public record keeps coming back as verified every time. I had 5 representatives inform me that the dispute is sent as a letter to the courthouse via XXXX. Once the court verifies it, the information is sent back to the credit bureau. 

To make sure the correct information was processed, I contacted the court house and they educated me that they do not disclose any information via the credit bureaus. 

I decided to call Equifax back to speak with another supervisor, but this time they advised that the information is reported by the 3rd party who contacts the court house. 

I asked what information does the 3rd party give to the courthouse, and how & what kind of physical information does the 3rd party give back to the credit bureaus. They could not answer that request and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

Equifax refuses to give my physical documentation that they use to verify this tax lien is mine and reporting accurately per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i filed ch XXXX on XXXX of 2007 but withdrew it on XXXX of 2007 so it was dismissed not discharged XXXX ago equifax still keeping it on report, but info not correct. they say current disposition chXXXX, then prior disposition chXXXX i never filed a chXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX 2015 after moving from XXXX, XXXX we contacted XXXX several times telling them we 've moved to XXXX, XXXX XXXX, and that we could no longer get a consistent connection. After about the 5th call they returned our call and said they would have their engineering dept review the situation, and that they would get back to us. 

Approx 7 weeks later they finally got back to us and said there was nothing unusual about the dropped signals. We told them that it was unacceptable and we wanted to discontinue our service if they could not provide a signal that was usable to us as customers. A couple weeks later they called us back and said there was nothing further that could be done to remedy the situation and we were denied the opportunity to speak with a supervisor in order to address this issue. 

We called several more times asking for a supervisor to return our call. Around XX/XX/XXXX they said there was nothing further they could do and our account had been turned over to a collection agency and we could only deal with them at this point, this, after we had asked for a supervisor to review this situation all along! It is ridiculous to imagine any customer would pay for a product that they could not use! 

It is both inappropriate and unethical for XXXX to attempt to commandeer my hard earned money from me for their inability to deliver service and obfuscating the issue by simply placing the account into collection with : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX Instead of addressing the issue of concern XXXX is using the collection agency as a vehicle to extort money out of me and ruin my excellent credit. I have already had my credit score lowered and lost a mortgage over this issue. 

XXXX nor any company should get away with such atrocious business practices at the expense of loyal customers. Your assistance in this matter is gratefully appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear, Im XXXX years XXXX XXXX person, on XXXX/XXXX/XXXX, I filled Didpute against Mechanic shop that had my car for 2 months, couldnt start the car due to getting starting Error the key couldnt start the car, on XXXX/XXXX/XXXX got car back but he next day I got same Error the key couldnt start the car, XXXX XXXX  XXXX XXXX suppose to send programmer to reprogram the Key but he/her never showed up so on XXXX/XXXX/XXXX, Pentagon Credit union send an Email credit card dispute form to sign, so after signing the form, the customer rep said is going to take 30 to 45 days to resolve but usually after two weeks I get a provisional credit, on XXXX/XXXX/XXXX I called to check the status of my dispute, the Rep couldnt find it, after talking to supervisor I asked to get Reciept and email it, I told him my credit card XXXX is my recipt since we didnt sign any binding contract when my car was towed from one mechanic shop to XXXX XXXX XXXX after 24 days it seems Pencredit union just opened new dispute usually Pencredit union send you dispute form and after signing get resolved since Pencredit merged with other banks everything is backed logged, we have to wait 40 minuets and their service is worst and that was not when I accepted their term and regulation, Pencredit union must follow our term/agreement and one of XXXX protection is to dispute any charge within 30-45 days after 24 days didnt work on my dispute or lost it and this is violation of our term.

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 2015-12-06
Company: American Capital Enterprises, Inc.
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I told them that they are not licensed to collect a debt in my State of Hawaii. And that they should cease collection including verifying with the bureaus and removing themselves from my credit reports as they are committing a crime against a consumer by not being licensed to collect any debts in my State. They ignore the facts and continue to blemish my perfect credit with their illegal tactics. They also have failed to respond to my letters for them to validate this debt! I guess it 's because they are breaking the law.

Company response to consumer: Closed
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I used XXXX to load {$110.00} to my Rushcard account on XX/XX/2015. I waited for 2 days and the money never went on my card. So i called XXXX and they said they sent the money to Rushcard. Then i call Rushcard and they said they posted it to my Rushcard account. So i wait a couple of hours to check it and it 's still has not posted to my Rushcard account. I have not been able to get a Rushcard rep on the phone and today is XX/XX/2015. I have a receipt from XXXX showing I sent the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02
Company: Credit Karma, LLC
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Please help two people are trying to open accounts and say they are me, they even opened an account with Credit Karma, under my email address, but has there own pass code, so I could not open an account at Karma. Could someone please call me asap, this is fraud, I can get any of my reports because they put phony info on apps they filled out, not since i cant answer some of there questions, I cant get my reports to see what these people are doing, I know one is my brother They robbed my home twice in 5 years. I am getting a lot of mail in there names sent to I have lived here 20 years, please can you report this and help me find out what they have done or trying to do

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