BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
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:
I am a XXXX veteran who has had fraud committed against me as a result i had to file for bankruptcy. This included a XXXX XXXX account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the va.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: AZ
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:
You are reporting fraudulent activity on my consumer report. I will attach a copy please remove this accounts that I'm not aware of. I don't recognize this business nor have I made any contract with them. 
XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: GA
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 Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF EDXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went online to purchase health insurance and called XXXX for health insurance and had no idea it would not be legit. The lady was very helpful and told me it was the Affordable Care/Obamacare and I qualified for {$190.00} a month. I was transferred to an agent after I was on recorded line and they took my personal identification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am sending my CFPB Complaint today to inform you about the wrongdoing of the XXXX credit bureaus. The current status should not be showing late because I paid it on time. The XXXX Credit Reporting Agency lacks proper record keeping. The accounts are open in late and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, correct these following accounts immediately : XXXX XXXX XXXX Balance {$30000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: CO
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 tried to call the Experian at XXXX to no avail. It kept asking me to go back to menu and there is no live person to work to help customers like me. They are hardly answering the phone. Experian s goal is just to keep destroying customers credits. In pictures, please look at dates and amounts. The amounts kept changing, so did the scores. All showed I was one time late from Fall season to now. Same info on 1 time late, but the amounts and credits fell down. I had XXXX ... 1 late, then XXXX now with 1 late ... how is it possible? Plus older date shows 1 late but the amounts did change. How is it possible with same 1 late? Actually, I got late for the first time on XX/XX/XXXX using XXXX XXXX cos they d charge me {$9.00} if I want to pay thru phone. I dropped it and paid using my bank thru online. So that is why it was late, not my intentional act. 

Also, Experian recently got info on recreational loan ... recently, but I got the loan in late XXXX, 2020. Experian collected info late. Very late! I have autopay with XXXX XXXX XXXX, so I was on time. No report on it at all in Experian system. 

Experian also have conducted a business with XXXX XXXX and XXXX XXXX XXXX XXXX ... .I never use them or want to buy anything that use those companies. I dont even know what they are. I already have good running truck, so what auto do I need to look? This puzzles me. Experian is doing intentionally to harm us customers ' credits. 

Also, Experian blames me for disconnection with XXXX Bank XXXX XXXX to get Experian XXXX. It is not my fault. I don't know why they disconnected a several times. I wanted the XXXX  but Experian punished me for that. It is not my action that caused the disconnection. Perhaps, Experian is playin a game. They may disconnected to keep me and other customers stuck below XXXX for years. Their goals were to keep us below XXXX. If they care and help us customers, they wd call me and help me to improve credits. Never did. They dont even answer the nbr I called them today. No email address to contact and correspond with Experian at all. Experian XXXX is NOT THERE FOR US, therefore, u shld submit to congress to remove Experian from being our credit reporting bureau. EXPERIAN DOES NOT CARE ABOUT US, PERIOD.

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 2023-05-12
Company: Genesis FS Card Services, Inc.
State: GA
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: Overcharged for something you did purchase with the card

Complaint:
Hello this is a ongoing matter for 2 months approaching 3 by the time you guys get to this complaint, I rented a car back in XXXX with XXXX car rental in XXXX ga, there was a XXXX. However the car ended up being XXXX, which was paid with the same credit card.,. However the XXXX was never returnt from the merchant, I called and discussed with destiny card services the XXXX was credited to my account XX/XX/XXXX but for whatever reason the charge was reversed back to my card on XX/XX/XXXX. Putting me over my credit limit the credit company ( destiny ) went and back dated my report as over the credit limit and dropped XXXX points, they have acknowledged the mistake but had yet to fix or repair the incorrect reporting to my credit!! Now all I a getting is hang ups and transfers they keep closing out the card as fraud just dont understand why. This matter has affected my stability, I cant get approved for a apartment I have been living in a hotel because of my debt to income ratio!! 

XXXX car rented authorization XXXX XXXX car returnt authorization XXXX XXXX XXXX credited back to me XXXX XXXX charged back to me XXXX received letter from card issuer of reversal with included a detail letter from the merchant that validates what I said happened XXXX card issuer reported over credit limit for 2 months ( 60 days ) XXXX credit score dropped XXXX points XX/XX/XXXX no resolution no response to certified letter sent no credit back of XXXX and no report opened for incorrect data on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hello, I had gotten behind on payments to this company. They started to send me emails telling me that I can reply and they will work with me on the issue. Everytime I replied it would auto generate an email telling me to call. I will not call as I want everything in writing with this company. I have even gone so far as to file a XXXX  complaint asking for some type of communication and chance to work out a payment plan that I can handle or to defer them till end of XXXX. No response and what they have done now is riddled my credit report with over 30 hits now for late payments, have three different sleazy collection agencies harassing me now - XXXX XXXX XXXX, and XXXX XXXX. Harassing me via my personal phone with texts, harassing me with calls, harassing me with letters now. I still have yet to hear anything from affirm. They have destroyed my credit report. All I wanted to do was work out a deferment plan and then a payment plan till I could get going on them again. I got behind on alot and now and getting back on feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BARCLAYS BANK DELAWARE
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: Problem with balance transfer

Complaint:
. Have a balance transfer option to pay an outside loan or credit card for a promo rate. You go to use that offer instead of transfer out to pay a bill. They want to take funds from from the credit cards and loans vs transferring funds to to take advantage of offer. They trying to steal have a screen shot of that scenerio Second thing i used a check that barclay bank sent me to use as needed XX/XX/XXXXXXXX XXXX XXXX I had confirmed with credit card company i could write in the amount of XXXX they they said yes i could write for that amount on XX/XX/XXXX ( screen shot from bank shows barclay declined and blocked account for no reason ) t When the bank was cashing they put a stop payment on check and caused my other accounts to freeze up i. I called barclay bank and explained there was an error they said there should not be and was instructed to rewrite a new check for XXXX and submit again to XXXX this time i put in a different account at XXXX barclay denied for a second time they said that one was no good to write a new check and submit to outside bank that was XXXX XXXX XXXX  They rejected again XXXXXXXX XXXX  spoke directly to XXXX at barclay bank and she told XXXX and myself 3 way call for bank to resubmit check that it is all fine they still will not honor without answers seems like customer service does not know. Several phone calls to fix they say its fixed but will not pay out check submitted and no answer as to why im told its fixed but it is not. Meanwhile they have lowered my cash advanced limit after their bait and switch verbally on the XXXXXXXX XXXX and verbally on the XXXX XXXX from customer service at barclay crediit card. This company is doing a bait and switch and mis representing causing their customers huge problems. I am singled out for no good reason. They offer it but do not honor i understand all terms and credit card terms this is not good practice have an XXXX Credit score a XXXX XXXX  cred lmt. And a XXXX balance due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021, I applied online for a XXXX checking account ( the Account ) offered by Populus Financial Group , Inc. ( Populus ) in response to a promotional offer ( the Offer ) : SET UP DIRECT DEPOSIT TO EARN { {$100.00} } ( Exhibit A ). I was approved for the Account and I subsequently set up a direct deposit in fulfillment of the terms. When the bonus did not post, I reached out via email and was told that the Offer required Card Activation ( Exhibit B ), a condition that was clearly not present in the original terms. Therefore, I respectfully demand that Populus pay the bonus of { {$100.00} }. Otherwise, this matter will proceed to arbitration with all costs and fees taxed to Populus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used Cashapp to send a one time payment for purchase of some furniture through there site. When I sent the money to the person and I kept getting excuses for when they were coming and it had been hours I requested the money back which later they denied. I flashed the account as fraud and put a dispute in. I was told to wait up to 14 days. In that period they didn't contact them or suspend the account nor did they even investigate the person. They never called me back and when I did they didn't care to try they told me to try asking them for the money again and they will look in to it since they didn't when they were supposed to. Still nothing has happened even though they offer use insurance with accounts. Makes sense they are being investigated for the same thing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a Wells Fargo customer for about 25 years to date. During that period I was charged excessive fees, I applied for loans, applied for credit cards, I was denied each time I applied for a service with this bank, I still have a current checking and savings. Even though I did all my business with Wells Fargo bank they still denied me services. I was provided with a debit card and that was the extent of what I was provided with.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: NV
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 a account without my written instructions 15 U.S.C 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 which antedates the report by more than seven years. 15 U.S.C. 1681s-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. 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 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 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 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 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 2023-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In the Fall of XXXX and again XXXX of XXXX I called Navient to see how I could reduce my loan payments, Instead of telling me about income based repayments they steered me into a forbearance which, when it was over, caused accrued interest to be capitalized into my principal. Additionally they mis-attributed the time of the XXXX forbearance to dates when I was working full-time for a non-profit and paying my student loans back -- these payments and all payments made before I knew about IBR were rejected for the temporary relief program. They also never told me that I needed to be in an incomebased repayment program to qualify for PSLF so three years of work at low pay is down the drain in terms of PSFL.I have transfered my loans to a different servicer but all the information that came with them is from SallieMae and Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: MoneyLion Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX I was alerted that a new account appeared on my credit report for moneylion for the amount of XXXX which I did not open or requested I spoke with moneylion onXX/XX/XXXX because I had already dealt with this in the past when I noticed a hard inquiry being made supposedly they found the account closed it and flagged it in XXXX of this year.

Company response to consumer: Closed with explanation