BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

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 2018-09-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax was notified of the error on my account as soon as discovered. As required by Equifax, a corresponding identity theft report was filed. A notarized copy of the identity theft report ( FTC # XXXX ) as well as notarized copies of my driver 's license and copies of my utility bills were sent last XX/XX/XXXX and again mailed in XX/XX/XXXX to Equifax to update and correct my file. In XX/XX/XXXX, they corrected my file and enabled me to place a Credit Lock on my account to prevent more errors. 

In or around XX/XX/XXXX, the incorrect address was again added to my account ( XXXX XXXX Address ). When notifying Equifax, their representative XXXX found my prior information, but because my account was managed by the Fraud department because of the identify theft report. Speaking with XXXX ( Manager XXXX ), I was informed that they would not remove the address from my file without me sending him another notarized copy of my government issued identification and additional utility bills, along with a new FTC report. 

At this point, don't know how to make sure fraud is removed from my account as it seems impossible to keep incorrect information off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 and XX/XX/2021 I have been scammed by a person that has impersonated a landlord. He showed me the house, he had the application, and the lease. I payed the application fee that was {$100.00}, I filled out the lease agreement that was {$200.00} and I payed the deposit that was {$900.00} pluse occupant fee that was {$100.00} and then I couldn't contact the person anymore. I have the emails of the people where I was told to send the money the be able to receive the keys for the home. I have his the information on how I found the home that is listed. The phone number that was given to me is ( XXXX ) XXXX-XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit 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:
In XX/XX/XXXX a credit card I have at Bank of America, that I did not open, was charged {$10000.00} in my name. The money was transferred to an account at XXXX XXXX, a bank I have no account with. For some background, in XX/XX/XXXX I purchased a car. The original loan was financed through XXXX via the dealership. I refinanced the car myself in XX/XX/XXXX for a better interest rate with XXXX XXXX XXXX. The loan to XXXX was then paid off in XXXX. I then had no account with XXXX XXXX. I contacted XXXX XXXX  and they verified that I had no account with them at all since XXXX. Bank of America is saying I used the {$10000.00} to cover an overdraft. What overdraft, where?!? I am getting no answers, I would never use a credit card to pay a bill. I pay my credit cards off before the they are due. I have excellent credit. I am very responsible with my money. A few months before a credit card was taken out in my name at XXXX and {$10.00} was transferred to some account. I was contacted immediately, and it was clearly fraud. They closed the case. Bank of America never contacted me when this transfer was made and they charged me a {$300.00} transfer fee! I didnt know this occurred till I looked at my statement, and was shocked. I reported it immediately. I have been on the phone 6 times with the XXXX department at Bank of America and have gotten nowhere. I froze my credit cards with all the credit bureaus. Someone has my information and I feel helpless. What can I do? Please help.

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 2019-04-24
Company: CONTRACT CALLERS 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:
In XXXX and XX/XX/2019 I began receiving notifications from credit monitoring service that a collection agency Contract Callers Inc., had added a negative account to my credit file. This was for a XXXX phone account claiming I owed over {$1300.00}. 

On XX/XX/2019 I contacted Contract Callers via phone @ XXXX. I informed the person that my debt with XXXX had been canceled. I was calling to ask that they remove this negative information from my credit file. 

The person I spoke with stated they would accept payment. She also stated she was representing XXXX and suggested if I had any issues or concerns that I call XXXX. 

I informed her that they were about the 2nd or 3rd collection agency that had attempted to collect this debt. Both of the other companies deleted the debt because there was no valid contract. 

I asked for validation of the debt since they were claiming to represent XXXX. She said if I had any issues, I should contact XXXX. I informed her that I would be filing disputes with the credit agencies and they needed to show a contract existed and verification of the debt. I then hung up very upset after this call. 

I filed the dispute days later stating the debt was cancelled with the original creditor, NO Contract and because this was a cell phone bill, the federal statue of limitations of 2 years has been reached ( This claimed contract would be approximately 4-5 years old ). Contract Callers returned a response today with XXXX stating the debt was valid and this debt remains on my credit file. I also filed the same dispute with the other 2 major credit reporting agencies. 

Contract Caller 's has not provided any contract or validation. They also have falsely stated this debt is valid. This appears to be their tactic with consumers to try and force them to pay these collection debts that they have procured. As a consumer, we are left helpless to these unscrupulous practices. They currently have over 150 complaints filed with the XXXX XXXX XXXX. As a consumer, I am asking for your assistance in getting this " collection agency '' to accurately validate and report debt to the credit reporting agencies or no longer be allowed to practice as a business with access to consumers credit files.

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Creditors Bureau Associates
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were several holes on my account due to my direct deposit being considered fraudulent. XXXX. I was charged monthly fees when I should not have been. Identity was stolen during companys security breach. Unauthorized withdrawals.

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 2021-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
an online order was made XX/XX/21. the charge was {$94.00}. on or about XX/XX/21 one item was returned to the store. NO receipt was given for {$47.00} as i was told the store could not generate a receipt for an online order. i was also told other customers had problems with online orders during this time frame. on or about XX/XX/21 the other item was returned to the store. now the balance should be {$0.00}. for the XX/XX/21 purchase. again, NO receipt could be generated at the store for an online order. on or about XX/XX/21 the monthly bill was received due on XX/XX/21. this bill showed that i was XXXX charged for my order of XX/XX/21, both charges showing the same order number. the bill had NO credit for my return of my items. i now owed {$180.00}. on or about XX/XX/21 i returned to the store for the 3rd time to try and see what was going on with this problem that had NOT been rectified. all 3 times the associate had to get on the phone to customer service which said they were doing something but in the end were doing nothing. on or about XXXX due XX/XX/21, i received my new bill showing that i owed {$110.00}. the 1st charge of {$94.00} of the double charge had been removed but NOT the 2nd charge of {$94.00} which still remained on the bill PLUS {$27.00} late fee AND {$1.00} interest charge. on or about XX/XX/21 i called customer service and spoke to 3 different people to explain the problem and give them identifying info and the 3rd person guaranteed the problem was resolved. on XX/XX/21 i received a notice that there was a request to review disputed transactions on the account. and, once the investigation is complete, IF the resolution is found in my favor, i will be notified and all charges will be credited to my account within 60 days. i have spent over 6 hours with their associates and traveled a total of 120 miles to try to get this resolved and it still has not happened. i'm done with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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 a complaint with furnisher XXXX XXXX XXXX XXXX that has been pending with the consumer finance since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is still under investigation so I started a dispute with Equifax XX/XX/XXXX, and XXXX and behold Equifax and its unscrupulous tactics has resolved my complaint on XX/XX/XXXX on an investigation thats been open with the furnisher since XX/XX/XXXX. I provided a document for Equifax to investigate the discrepancy and provide me with the information and the way they performed said investigation. Equifax unscrupulous tactics just closed the investigation before consumer finance could even provide me a conclusion to the other 3 investigations. Equifax did not provide me the proof of the false investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm have been denied for every single credit I've applied for, my credit score from XXXX is not right. Every credit union, Bank what ever all say no, I understand that I have no credit but I'm being turned down by every one and it's discouraging I have... well had a job but car broke down applied for loans but was denied due to the number of inquiries but there all for one thing financial help so I didn't lose my job which I did anyway because my credit score and Discrimination. Each time I get denied it says that my credit score played no part in their decision but says my score reflects a number between XXXX to XXXX not saying what's a score they can work with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Violation of Title 15 Adverse Action : Denial of My Right to Credit I, the consumer and natural person, was denied a credit increase by Capital One when I applied for the XXXX XXXX XXXX XXXX XXXX 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692K. 

Capital One is subject to criminal liability for violating 15 USC 1691 as I have proof I was discriminated against by Capital One due to the response I received. ( Please see denial letter ). 


Capital One is in direct violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was NOT issued. 


Furthermore, my social security number ( as known as MY credit card ) was used and I received NO benefit. This is further proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One.

If Capital One fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will make Capital One criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 


I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
transferred XXXX dollars on XXXX via Western Union. After finding out based on lack of employees the transfer would take 5 business days I called back XXXX at XXXX and cancelled. They stated would take 5-7 business days to return to my account. After 9 days I called back as the money had not been returned. Upon that conversation on XX/XX/XXXX they let me know if wasn't cancelled properly on their end. I then asked them to cancel and return money again. This time I asked since they messed it up on their end to expedite process and they said they couldn't. I asked to speak with a supervisor, I held for 20 minutes then they stated they have too high demand and a supervisor would call me back. After 10 days with no call back or response I called back on XX/XX/XXXX at XXXXXXXX XXXX. I asked why my money hasn't been returned even after the 5 days and why a supervisor never called. The person had no response. I then asked to cancel my transfer again and to speak with a supervisor both to expedite the process and to talk through the terrible service. I sat on hold again as they stated they don't have supervisors available could call me back. This is absolutely a disgrace for a financial institution. If you do not have enough employees to service requests do not take the profits when you can't handle the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was under the impression that my student loans were under the forbearance that was extended until the end of the year XXXX XXXX XXXX. I never received any communication from AES about my loan payments starting back up again. I use paperless billing and never got an email or a phone call about this. The only reason I realized what had happened was I got XXXX or XXXX emails in a day from my credit reporting agency that my credit had been lowered. Checking my score revealed that it dropped XXXXXXXX XXXX Devastated, I contacted AES and spoked with a Customer Service Rep. who said that they sent out emails and letters, but I never received them. I checked my trash thinking I deleted them by mistake. No, there wasn't a single email stating my account was past due. I use my phone a lot for my job and receive numerous phone calls. I never received a voicemail stating that my account was past due or that they would be taking action on my credit report. When I asked if there was maybe something they could do, because I was never informed she flat out refused and said that it would it ruin the integrity of the credit reporting companies if they did. I think it's egregious that I was never informed and the only way I found out was through my credit company letting me know that my account took a massive hit. XXXXXXXX XXXX  that's ridiculous, especially after I took my time and care to build it back up after being affected by the pandemic. There was no sympathy or willingness to help someone who clearly needed. It's companies like this who have preyed upon people and don't have anything done to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I have submitted theft report to Experian on XX/XX/2019. However, the items I have listed in the report still shows on my file. The Fair Credit Reporting Act section 605B requires credit reporting agencies to block information received from consumers who have file identity theft report within 4 days after receiving request. The items I submitted to Experian to be block is still showing.

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 2021-06-27
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXXt has had a law firm to place a title lien on my property. My name is XXXX XXXX and clearly this is a case of mistaken identity bc there are literally thousands of individualswith the same name. However, the above company did not research or clarify any of this info prior to having the law firm/attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ga XXXX go to XXXX County courthouse and place this lien. The law firm or student debt is listed under Roosen Varchetti & Olivier Ga, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX, Ga XXXX. THEY REFUSE TO CLEAR MY NAME. This has caused a major headache, loss of time and wages, and stress. I am currently having my loan refinanced and wouldn't have ever known this document even existed until they did a title search. This is humiliating and embarrassing. I have spoken to the law firm who has no record of a XXXX XXXX with my date of birth or SS # on file. Who is held accountable for slander of my name and discrimination when mistakes are made. Now I'm forced to get an attorney to rectify what should have never taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Porania, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, This account is fraudulent that is reporting on my credit. I have yet to receive and updates from the bureaus within the past 30 days. By law after 30 days these accounts are suppose to be remove of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Harley Davidson Financial Services Inc
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX provided me a loan for 7 years. I have had two extensions during that time for trauma related reasons, that were coaxed into fruition, by the billing department. Claiming they would be helpful to me. Claiming it would change nothing on my loan, simply move the payments to the end- as if they never happened. I purchased the motorcycle in the 3rd quarter of XXXX. My interest vs principal is never consistent. Sometimes, there is no explanation for payment application. Sometimes all of the payment goes to interest. Sometimes, {$95.00} goes to principal- but never is it consistent. It is mid XXXX, and at this time, I owe 29 payments, at best, on this loan- Im sure its probably many more. I can not get a clear answer, why this is happening, or any help to stop it. I am seeking legal representation to sue for the balance of the loan. This has been an absolute wretched experience. They are extremely crooked.

Company response to consumer: Closed with explanation