BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-04-21
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM WRITING TO DISPUTE THESE FRAUDULENT CHARGES ON MY ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE. I AM FILING THIS COMPLAINT FOR MYSELF NOT ANYONE ELSE. REMOVE THE FRAUDULENT CHARGE AND ANY RELATED FINANCE CHARGES FROM MY ACCOUNTS. PLEASE SEND ME AN UPDATED AND ACCURATE STATEMENT AND BLOCK THE ACCOUNTS. I ALSO REQUEST THAT YOU STOP REPORTING THIS INACCURATE INFORMATION AND REPORT THE CORRECT INFORMATION TO ALL THE NATIONWIDE CREDIT REPORTING COMPANIES TO WHICH YOU PROVIDED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
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 WROTE EACH COMPANY REQUESTING DOCUMENTATION SHOWING PROFF THESE ACCOUNTS BELONG TO ME.THESE ACCOUNTS WERE DONE FRAUDULENT. I WAS NEVER GIVEN PROOF SHOWING THESE ACCOUNTS BELONG TO ME BECAUSE MY DATE OF BIRTH AND MAILING ADDRESS IS INCORRECT. THEY ARE CONTINUING TO KEEP THESE ACCOUNTS ON MY CREDIT EVEN AFTER BEING NOTIFIED THEY DONE FRAUDULENTLY.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2020-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently tried making a purchase through a private individual who offered me to adopt a puppy. Many texts, pictures, videos, and even phone calls were exchanged so this person went above and beyond to make me feel safe and secure. He even told me he was a XXXX and a family man so that he would never ever be able to do something so cruel as to scam me. In order to make a more secure transaction after thinking it was connected to a bank account, we ended up using XXXX as a form of exchanging currency. In order to use XXXX I went ahead and logged on to my mobile banking app and went ahead with the exchange. A couple of hours later and after multiple attempts to reach out to this person, I contacted Wells Fargo to see if this could be cancelled or if anything could be done. I filed a claim, contacted them again the next morning, and after waiting for about 2 hours to be helped Wells Fargo told me there was nothing they could do since it was with a private seller. I offered to provide any type of proof or documentation I had including pictures and screen shots but they said they wouldnt even start an investigation. My XXXX transaction ended up totaling {$500.00} and the other transaction made through XXXX to the same seller was of {$350.00}. XXXX however didnt even provide a customer support option. There was absolutely no way of even speaking to someone who can tell me they would even try. Its extremely heart breaking to see how someone can be so cruel to trick others like this, but its even more heartening to know that a bank Ive been with for almost my entire life wouldnt even help me or provide support with something so unfamiliar and cruel such as this.

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 2018-03-07
Company: EQUIFAX, INC.
State: WA
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: Billing dispute for services

Complaint:
I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - Equifax - XXXX, XXXX XXXX, XXXX  XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-06-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-02-19
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name is XXXX XXXX Im a XXXX year old, XXXX  female. Im a XXXX XXXX and a XXXX XXXX XXXX. I have been XXXX XXXX as the XXXX XXXX for total of 8 years. For the majority of my career I worked as an XXXX XXXX XXXX and I recently transitioned to XXXX. Im a single mother insult provider of a XXXX-year-old, working full time. In order to become a XXXX XXXX I had to quit my full time job and sign a contract, prior to matriculating at XXXX XXXX University, stating I would not work in order to devote all of my time and energy a 28 month XXXX XXXX XXXX. 
Eight years later, I am now over XXXX dollars in debt while starting around XXXX. I have a credit score of XXXX and was manipulated into re-financing my student loans with MyFedLoan at an interest rate of 7.125 % under the guise that I would be enrolled in the The Public Service Loan Forgiveness ( PSLF ). I was informed one year later that I was NOT enrolled in the program and the hospital I was working for was bought out and no longer considered underserved. I attempted to call the contact whom assisted me in re-financing my loans and guaranteed my acceptance into the public service loan forgiveness program and unable to reach that individual. I called to obtain the recorded conversation from XX/XX/2019 and was told that they no longer keep those records. 
I rent a modest apartment for myself and my son. I receive no assistance from my son 's father, as we are unsure of his location. I drive a modest vehicle ( XXXX ) and we live pay check to pay check. I regret my career choice. I am unable to achieve normal life milestones such as buying home due to my overwhelming and steadily accruing debt. I currently have a loan payment of {$750.00} every month and feel helpless. I NEVER would have consolidated by loans with this company had I not been grossly misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
OnXX/XX/XXXX the bank contacted me because of suspicious activity on my debit card. On XX/XX/XXXX at XXXX, the case was filed, I was told money would be refund in 3-5 days. I contacted the bank on the 5th day and was told I would have the money the next morning. I then called on the 6ty day, no resolution. I went into the branch in the 7th day and spent 4 hours. Both the bank employees and I were given the run around on the phone. Finally, I was told by XXXX XXXX, a supervisor, well we haven't even gotten around to assigning the investigator yet so dont hold your breath for your money ''. In the meantime, I have contacted all the disputed charges amd confirmed that the names, addresses, and shipping info are nowhere near my own for any of the charges being disputed. Now we are in the 9th day, I keep getting the run around. I was just called by a XXXX XXXX in the client advocacy department only to continue getting the run around with no resolution. XXXX told me that it will now be another 15 days before I am even contacted to discuss the situation. I am a single mother and my daughter is literally without food because no one at this bank can give me accurate information or resolve the issue.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX company is trying to get me to pay alleged amount of {$300.00} for a loan I did not get. First call was made on XX/XX/XXXX and told them my identity was stolen and the debt does't belong to me. Today, this alleged debt hasn't been marked as " disputed '' which will result on a penalty of {$1000.00} for not doing so, also reported it not only to XXXX but XXXX as well. I am filling a complain, but also, disputing debt through Credit Bureaus, to the XXXX, and State Attorney General. I will keep doing so until this Collection account is removed, willingly, from my file. If not, I will be adding this account to my identity theft case I currently have with all XXXX credit bureaus so the information will be blocked from the reporting agencies directly. 

A Validation Letter is attached along with XXXX regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX Sent and Received certified mail for Demand Debt Verification and Cease & Desist from reporting. I C System has flagged your account as Collections on XXXX XXXX XXXX XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting to credit bureau with providing me written proof as requested.

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 2021-03-03
Company: DISCOVER BANK
State: WA
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 have been a customer of Discover for 4 years, this was my very first credit card and this situation right here has proven to be the end of that relationship. Thanks to Discover, I am out of XXXX of my hard earned money with no recourse in sight. The merchant I purchased furniture + assembly from shipped and had the furniture delivered but never actually performed the assembly I paid for. They continued to push back the appointment date ( which turned into dates ) until I eventually decided to purchase from elsewhere. I attempted multiple times to contact the merchant but I'd be on hold for so long the call would disconnect and they did not respond to numerous emails. Due to the amount of the charge, I decided to file a dispute on my Discover card hoping Discover could try and remedy the situation. Even though I provided documentation showing the numerous cancelled appointments, all the merchant did was submit my order confirmation and Discover found in their favor multiple times over the period of a few months due to supposedly finding the charge to be " valid '' which was never what I was disputing. I've been lied to by Discover 's customer service agents and have had my chain jerked around until I reached out to their supposed " executive office '' which is nothing but another call center full of even more useless agents. I've been promised call backs, that more research would be done on my situation, but nothing has been done. Discover hasn't even tried to get me a partial refund for the services that were never performed or tried negotiating an actual return/refund from the merchant who refuses to respond to me but will respond to disputes filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Wallace Management Company, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hi my husband and I both took out a loan at Empire Finance in XXXX XXXX MO. We got behind on our payments and they started calling our contacts which was fine until my niece called me and let me know that when they contacted her they were sharing how far we where behind, how much we owed, and how much our loans were for. Then a few days later my brother called us with the same information. I don't believe they are allowed to give out our personal information it has caused a lot of embarrassment and awkwardness in our family now. Could please look into this matter and stop this from happing to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have disputed a transaction from XXXX XXXX in the amount of {$320.00}. I did not authorize them to take this from my account. I have gotten my money back for this same type of problem that usaa put back from a business taking it out when I didn't give them permission to. But nobody from usaa will help me get my money back. And i keep getting told different stories from different people at usaa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: JPMORGAN CHASE & CO.
State: DE
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: Card was charged for something you did not purchase with the card

Complaint:
I have been a proud Chase customer for 20+ years. I particularly enjoyed the credit card products because of the generous rewards and swift dispute resolution. In the last 2 months I had 2 transactions that I had to dispute. For the first one I was triple charged and was obvious on my statement. Chase had shut down the ability to file a dispute claim electronically. I used the Secure Mailbox and 3 weeks later I have no response or credit. The second transaction was a fraudulent charge. Again, in the past Chase will catch these before they hit my accounts. I locked my credit card immediately to prevent further charges. I tried to call what used to be a 24/7 line to report fraud and dispute the transaction to hear a message that said to call in business hours, no mention of what these hours are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit 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:
I used an XXXX XXXX credit card by Synchrony Bank to make an XXXX purchase from XXXX XXXX. A XXXX days later a XXXX items were shipped via XXXX. A XXXX days later I get an email that my order is canceled. When I tracked the items already shipped it showed the shipment is being returned to the shipper. I contacted XXXX XXXX and they said the order did not pass internal integrity checks so it is canceled. 

XXXX months later I did not receive a refund for the shipped items and can't get a response from XXXX XXXX so I mailed in a dispute with Synchrony Bank. XXXX weeks later their website showed the dispute closed yet i received no communication from them. I called them to initiate another dispute. XXXX weeks later it showed closed again. I submitted a XXXX dispute via their website message service. I included printouts of the original order, the order again showing it canceled, and the XXXX tracking showing the items returned to the shipper at the shipper 's request. 

Synchrony Bank found in XXXX XXXX favor stating I signed a XXXX  agreement. 

The merchant canceled the order on me, the items were returned to them before being delivered to me, and I never received the items.I provided proof of all this. It's not possible to find in the merchant 's favor. It's fraudulent and unethical to continue billing me for items I did not receive.

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 2023-06-19
Company: Experian Information Solutions 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:
Experian has not solved the issue ( wrongly recorded late payment in XXXX by XXXX XXXX ) even though the proof of payment for a reported late payment on file has been submitted. Attached find proof of payment for XXXX and XXXX showing that the XXXX XXXX loan is NOT late, in fact is current, and that payment was made in time for both months.

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