BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: IL
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Bridgecrest Acceptance Corporation
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called Bridgecrest to change my payment schedule from biweekly to monthly. There's no way to change online and I should not have to pay 3 times in one month instead of my regular payment of a little over {$500.00}. I have a XXXX XXXX XXXX  that was purchased from XXXX and the loan company is Bridgecrest. I had this vehicle for 10 months and have never gone 30 days late on my payments. I already have an issue that they used some kind of spray over the car to make it appealing to buy because when we got it home there were all kinds of scratches in the bumper, etc. I was also overly charged for this vehicle. When I called I thought they had made the change to monthly payments. I received a call 2 days later saying I wasn't approved to change to monthly payments. I had no idea that I needed to be approved and when I asked why they said they did not believe that I could pay is what the rep told me. I've been paying my payment for 10 months and I have a co owner. How is it that I can not make my payments just because I want to switch to monthly payments.

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 2022-08-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXXXXXX NEGATIVE MONTHS Account info Account number XXXX Date opened XX/XX/2018 Believe I was a victim of the XXXX data breach this information belongs to someone else I've made many attempts to try to resolve this issue and have this fraudulent account removed off my credit reports please assist me in removing this illegal item

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 2018-05-15
Company: EQUIFAX, INC.
State: MI
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 a victim of identity fraud and misinformation reporting to my credit report. There are 2 accounts on my credit that dont belong to me. 
1. XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00}. I have written disputes to companies over the years regarding this account. 
2. XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$770.00}. Ive had insurance at my job for over 20 years, theres no way I would ever have a hospital bill. This is fraud and I think someone used an old lost/stolen ID of mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: AES/PHEAA
State: TX
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 XXXX, former President Obama announced the Public Service Loan Forgiveness Program. My wife and I lived in XXXX. I contacted Congressman XXXX XXXX XXXX  office to find the link and gain assistance in submitting in the application. 

Over the next three years, I encountered numerous problems with the Department of Education ( DOE ). I completed the application six times. I submitted it six times. DOE officials stated the paperwork was not received electronically or by certified mail. DOE claimed the XXXX XXXX where I worked as a full-time XXXX  did not qualify for the program. Yet, the nonprofit organizations with whom I volunteered or worked for as part of my community service obligations did quality. DOE claimed that I did not qualify for the program even though I made 120 payments. DOE again claimed that I filed for forebearance during this period or reduced payments which resulted in my denial. 

My wife and I moved to XXXX, Texas and I contacted Congressman XXXX XXXX XXXX office for assistance. This occurred in XXXX. His staff worked with me to coordinate my paperwork and obtain a consistent response from DOE. 

In XXXX, XXXX, I received a phone call from XXXX in XXXX XXXX, CA. Their representative, XXXX XXXX, stated that I was now approved to have 75 percent of my remaining student loans forgiven. Their organization contracted with DOE. I would pay {$510.00} for the next three months. My remaining student loan payment would be {$200.00} for the next few years. I agreed. However, my FedLoan account showed the reduction was not applied to the account. Congressman XXXX XXXX office staff worked with FedLoan, XXXX, and me periodically over the next nine months. A staffer finally inquired into XXXX. While their email address implied XXXX was a government agency, it was a third-party organization who had misrepresented themselves to me, to a Congressional office, etc. as part of DOE or held a contact with DOE to process such paperwork. At which point, FedLoan recommended that I contact the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Texas Attorney General 's office and notify them of the situation. 

I had completed and battled with DOE for years over my application. How XXXX had access to my electronic information baffles me. They knew too much about what I owed and guaranteed that the remainder of my student loans were forgiven through the program. I would like the money I paid to XXXX returned. If it is possible, I would like DOE to finally acknowledge the receipt of the paperwork and apply not just the letter but the spirit of the law as was promised to me and countless others who dedicated their careers to public service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX - XXXX XXXX : {$8700.00XXXX 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 2023-04-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
COMPANY AT FAULT : XXXX XXXX XXXX XXXX THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX  BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX XXXXLREADY NOW THIS COMPANY XXXX XXXX XXXX XXXX, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN 2020 XXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.

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 2018-05-15
Company: Atlanticus Services Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt collector called trying to collect a debt on a credit card. The debt collector told me that the account was open and if I made a payment I would still be able to use the card. He told me this three times. After I made the payment he said he had made a mistake and that the card is actually closed and that I would have to reapply. I asked to talk to his manager and his manager admitted he " made a mistake '' but refused to refund my payment or do  anything for me at all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-10-21
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, you sent me a paper that looks I owed XXXXXXXX XXXX after credits but when I check my account about this issue it shows me that the balance is XXXX. 
The issue belongs to the date of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: LA
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:
Equifax credit bureau/equifax stated they updated an address. I did not contact them about an address. They are not reading my complaints and sending templates once again. I reached out to delete the accounts that the investigation was pasted 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
My daughter and I traveled by train ( XXXX ) on XX/XX/XXXX from XXXX to XXXX. We were waiting in a very long taxi line to taxi to our hotel ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ) which was approximately 18 miles away. We were approached by two young men who said they would give us a ride for {$22.00} if we paid by credit card. We agreed and took the ride. We arrived at the hotel and the taxi driver did not offer a receipt. I did not sign a receipt. This didn't seem so unusual to me since the charge was a minimal amount. It was late and we were anxious to get inside our hotel room. 

When I returned from my vacation to XXXX, I looked at my bank statement and saw that the taxi driver had charged my Capital One credit card for {$2200.00}!! Outrageous -- over 100 times the amount a taxi ride cost or should cost from the XXXX train station to our hotel. I was sure that Capital One would recognize it as a fraudulent charge. I called Capital One that day and the customer service woman told me that Capital One would take care of it and they credited my account {$2100.00} ( the amount the taxi charged {$2200.00} minus the {$22.00} taxi ride ). The charge was later added back to my account so I called Capital One again. They said that I had not provided the necessary documentation so I wrote them a letter on XX/XX/XXXX disputing the charge ( and included the receipt that I had tracked down through XXXX ). I have called at least 7 times ( all were recorded ) and Capital One will not reverse the charge. I have tried to contact the taxi company but have not been able to reach them. To my knowledge Capital One has done nothing to determine if their vendor charged me a fraudulent charge. They said that I need to " prove '' that the charge is not accurate -- yet they did not offer solutions for this problem. 

Attached to this complaint is 1 ) the dispute letter I wrote to Capital One on XX/XX/XXXX, 2 ) a receipt for the taxi ride that I tracked down through XXXX that also shows what time we arrived to the hotel ( making it impossible to take a LONG taxi ride worth $ XXXX, 3 ) a receipt for my train ride into XXXX and time of arrival, 4 ) a hotel bill showing that we arrived to the hotel on XX/XX/XXXX. Capital One told me that these documents do not prove that I didn't agree to the charge. 

It is nonsensical that anyone would take a taxi ride that would cost {$2200.00} but Capital One argues that because they used the chip in my card, it is a valid charge. The signature on the receipt is not my signature. 

Please see my documents and help me? Capital One should protect their customers! I will never do business with Capital One again. This has been a terrible experience. I have since closed my Capital One card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One removed XXXX from my bank account without authorization. I revoked their authorization and I want them to refund my money and I want them fined for doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax isnt allowing potential creditors too pull or view my credit report. Ive called them several times about this and they continue too say that it isnt locked or blocked on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX. Suspected fraud on or about XX/XX/XXXX. Began reaching out to the companies who made the charges on my accounts. I was told they either didnt know, could not provide the information, or call banking institution. 
XXXX. Kept close eye on account. 
XXXX. Reason for suspicion was I accepted a position on good faith and this firm had my personal and banking information for direct deposit. Only worked here 16 days. On XX/XX/XXXX a partner of the firm was indicted on XXXX, impersonating a public official etc. 
XXXX. Contacted bank several times to review charges. Due to a security breach I was having difficulty accessing my account. I had to change phone numbers and could not receive authorization code. Advised bank of new number and the reason. Was told that someone would contact me. No call. 
XXXX. Reported issues to local law enforcement. 
XXXX. XX/XX/XXXX - card not authorized. Contacted bank and was asked a series of questions because I no longer had the number associated with the account. Asked could I retrieve money and advised account was on hold due to fraudulent activity of which i previously reported. Told that a fraud team would investigate and contact me in 2 or 3 days. Never received a call so I contacted the bank and account was open again. This repeated every other day until about XXXX. On this date I was told that my account was back open again so I asked had my number been changed on the account and it was not. Had talked to fraud team the day before. I always had to call. I never received anything in writing. I requested electronic bank statements and did not receive. Finally told that one might reach me in XXXX weeks. I am still reviewing charges. Due to the fraud I have had to provide my drivers license everywhere. I eventually got an account opened with XXXX XXXX because I have a credit card and XXXX auto loans. It still took days to get it opened. I have late billshaving to XXXX to family and friends that have cards. I still do not have a card. No answers to my questions or I need a subpoena. I really need some help. I have expended an enormous amount of time. I do possess some documents to support my complaint. I only have the last XXXX digits of the XXXX and card ending in 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 2020-09-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information after investigation when it was told to delete from my credit report see attachment showing that Im saying the truth. Need action immediately

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 2023-07-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XXXX  ( primarily during Covid ) Wells Fargo charged our business accounts in excess of {$10000.00} in NSF fees XXXX even though funds dropped into accounts daily. Expenditure amounts were confirmed by our CPA and attorney, NSF were calculated in a manner that has been determined to be unlawful. 

We sent 4 internal notifications via Wells Fargo internal email. Our company sent 2 certified/ return receipt requested letters specifically outlining the dates, issues, and requests for restitution.

As no communication/ resolution was received we closed all four company accounts. On XX/XX/, I was notified via our CPA Wells Fargo charged the remaining 2 open personal accounts NSF, our documents clearly indicate that the remaining open account should have pulled from a secondary back up savings account. ( In the past when verbally speaking to a Wells Fargo rep regarding the business accounts, We have the option of changing a savings account to checkin without written notification and with that all options you selected in our XXXX GA office, do not apply.

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 2021-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery has disguised as a new creditor and is reporting a new account under my name for XXXX XXXX. I did not received a debt validation as per the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation