BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: DISCOVER BANK
State: FL
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:
On XX/XX/XXXX, I ordered two pair XXXX XXXX XXXX embelished leather Stiletto Sandals ( one black and one nude ) from XXXX XXXX ( merchant ) using my Discover credit card. The black pair of shoes arrived with no problem. However, the nude pair never arrived. Instead, what arrived in the package was a pair of worn XXXX XXXX XXXX beige pumps in a XXXX XXXX box ( see pictures attached ) that I did not order. 

When the worn shoes arrived on XX/XX/XXXX, I immediately phoned the merchant who sent me a label to return the shoes back ( see attached ). I immediately returned the shoes back to the merchant with a letter stating the shoes they sent me were not the shoes I ordered. On about XX/XX/XXXX, I received the dirty, old shoes back again from the merchant telling me the shoes were not sold by them. 

On or about XX/XX/XXXX, I phoned the merchant 's customer service number on their letter XXXX. I was transferred to a customer service manager/supervisor in XXXX XXXX, who barely spoke English and was not familiar with consumer rights per the United States. I asked him to start an investigation and send me videos of the shoes being packed and sent to my home, which he did NOT. I told him that he needed to start an internal investigation because either a dishonest employee or courier took my new shoes and sent me dirty, old shoes. The supervisor did NOT care. 

I then turned to the Discover ( the credit card company ) to dispute the purchase charge. Discover pretended to start an investigation and months later add the charge back to the account. Discover decided to side with the merchant. Per the last Discover credit card customer service agent, ( XXXX in XXXX ), I spoke with on XX/XX/XXXX, " she is sorry for what happened to me, but XXXX XXXX is their client ''. I have left several messages for Discover supervisors to call me back but Discover has gone silent and does NO longer discuss the above case with me. When I call Discover,  customer service place me on hold and tell me they do not have any supervisors or managers in the whole institution that is available to speak with me. 

This is a fraud. I have been a victim of consumer abuse and economic crime by two powerful institutions. They stole from me by charging me for merchandise that was never delivered to me. I feel disgusted and overwhelmed with this situation. Discover has given me the run around since XX/XX/XXXX and keep on charging me the {$74.00} to my statement. I pay all my bills timely, however, I am not paying for this item that was not delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have written Experian, called AND spoke to 14 different people to no avail. Someone hacked my credit and I got all three reports locked. Once locked I was able to unlock XXXX and XXXX in order for me to use my reports to acquire new credit. I tried to unlock experian and I have had THEE most trouble trying to get them to unlock it. Not only am I unable to access my online experian report but they have still yet to unlock my actual report. I am at wits end to try and get this resolved as I need to apply for something, yet experian 's locked report is holding me back.

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 2019-05-06
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ).  This was the explanation provided on XXXX XXXX 's website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for state government. I do not understand how this is not predatory lending. XXXX  determined the amount I could afford each month and that is how much I pay. I should not be penalized for  making timely payments that they established.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This reporting does not belong to me. Wrong report on my credit report history

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 2023-03-01
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:
Im submitting a first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-07
Company: Social Finance, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX I opened a checking account with Social Finance ( Sofi ). 

I noticed they gave me the welcome bonus twice of {$50.00}. A week later the erroneous {$50.00} was withdrawn and I was left with a balance of {$50.00}. 

In XXXX I went to file my taxes with the 1099-INT and noticed it stated that I had received {$100.00} in income as a welcome bonus and not {$50.00}. I contacted Sofi in XX/XX/XXXX and they agreed to send a corrected 1099-INT form that would arrive in 5-7 business days. It's now been a month and there has not been a corrected 1099-INT form issued. I will now have to file either an amended return after the deadline and write a corrected number on Schedule C line 21. 

This is pretty infuriating they made this error and didn't solve the problem by sending an amended 1099-INT form. I have contacted them twice now and support doesn't know what to do. I now have a higher chance to be audited over this silly error and no one at XXXX XXXX is willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
ON XX/XX/20 ; I Contracted to Finance a Used CPO XXXX ( XXXX UNDER VIN # XXXX with XXXX, ) ; Unfortunately I was manipulatively denied not able to TEST Drive this XXXX ( XXXX ) ; Since It was supposedly being immediately Reconditioned for me, from sitting on a Lot waiting to be Serviced from off a 3Yr LeaseXXXX ReturnXX/XX/20 ( XXXX ). I was Re Driven By Sales Rep-XXXX to XXXX ( XXXX XXXX XXXX Showroom, and Nevertheless Once the X6 Became available it was near closing time-XXXX, By This Time I had already partially Signed papers inwich ( later noticed different Amounts, and was Ushered Out of finance Office from meeting with Finance Mgr-XXXX. On XX/XX/20 this Evening, I have driven taken Vehicle home for the first time..I was Informed by Male Stranger, as I was parking One of My brake light was out. The next day-The radio shut off ( 2x ) ..This XXXX- XXXX Appears to be exhibiting Electrical Problems, While Driving it also Sounds appears to be Driving Heavy in Uphill Mode ( Dragging ) ... The vehicle has been Scheduled for Svce repairs ; However I Had to cancel Svce XX/XX/20 date. By This Time I had already XXXX  Decided to CANCEL-XXXX  Warranty-TIRE from addt'l XXXX, informed-XXXX Worth XXXX ) ..This XXXX  Warranty just so happens to Cover all the INITIAL Repairs that SHOULD have been taken care of Already PRIOR TO SALE..Rim Repair-painting, Small Blemishes-Paint-PANEL-Bumper Dings-Nicks, XXXX XXXX, XXXX..IT APPEARS OPENROAD WAS HAVING ME/BUYER ..IMMEDIATELY UTILIZE MY WARRANTY TO TAKECARE OF THIS RETURN OFF LEASE REPAIRS ( Still Have me Finance the OVER XXXX, ) ..NEW Worth XXXXonce Discovered, and calls became scarce-I CONTACTED XXXX XXXX XXXX Rel ( XXXX, Concerning being DISCRIMINATED from Prior-four XXXX Dealerships ) .On XXXX was informed, and left several Msgs to Contact Mgr-XXXX XXXX ; Until present - Mgr-XXXX never became available.This JUST OFF3YrLEASE RETURN with Repairs..XXXX Is Not Worth Excessive XXXX. ..- ( XXXXMnths ), Entitled to XXXX Price, and Renegotiate Normal price for Condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: GA
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:
I am unable to retrieve my credit report or score from Equifax. I recently disputed some information on my credit report and received the results back via mail. The Credit report I received from them states there is a Temporary Update Freeze on file. I cant access my credit report, or score online through their website, or any other website that reports credit information. The last update provided on their website is from XXXX, and when I try to refresh it shows no information available. I have called them to ask about it and nobody can provide any information, which is harmful because If I have to apply for credit and they check with Equifax the company im applying with will not be able to get any information. I have included screen shots of what it shows when you try and access information in my Equifax file from 3 different websites including Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am retired, and living in XXXX. I have banked with Bank of America XXXX and their predecessors through mergers and acquisitions ) for over 50 years. Tuesday night, XX/XX/XXXX, I had a low balance in my checking account, but I knew I would not use the account until Friday, when my wifes paycheck arrives. Wednesday morning the account amount was higher because 2 fees charged put the account in the red and overdraft protection kicked in with a {$12.00} fee. Usually, when an overnight charge, such as an insurance premium occurs, I see the deficit in the morning and transfers funds. This time I had no chance to transfer funds and the bank had an opportunity to charge another fee. I did get the {$12.00} fee refunded, on the second call. 
Last XX/XX/XXXX the Bank of America started to charge fees for about every transaction made. Service fees charged taken from their statements : XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$53.00}, XX/XX/XXXX - {$290.00}, XX/XX/XXXX - {$290.00}, XX/XX/XXXX - {$230.00}. When complaining about the fees, Customer Service says my balance is not high enough, but my income has not changed on several years. ( Until about three or four years ago, I had a Merrill-Lynch IRA, about {$50000.00}, until they discontinued foreign clients, and I had to move the account to another financial service. ) The total charges to date are {$2600.00}. Now when I withdraw monies ( XXXX Q = about {$260.00} ) from the XXXX ATMs, here in XXXX, there are two service charges from B of A : {$5.00} and {$7.00}, for using another banks ATM and a foreign transaction fee. The fees charged are excessive, and many. Fees for use of an ATM, and fees, as a percentage of purchase with debit card. I was charged {$8.00} for a {$280.00} grocery purchase and {$5.00} for a {$160.00} purchase of prescription eyeglasses. Before XX/XX/XXXX there were no charges. In ten months the charges amounted to {$2600.00}. This is an outrageous example of putting profits before taking care of clients.

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 2024-01-04
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Greetings I am writing to dispute and remove unlawful collections, charge offs and closed accounts reporting negatively and inaccuratel, negatively affecting my score and growth of my Personal credit file. I am requesting that it be removed asap on all three credit bureaus XXXX, XXXX, XXXX. 

I have 17 closed accounts that need to be deleted and removed from XXXX and XXXX and 18 closed accounts need to be deleted XXXX removed also on XXXX reports and credit files. I am contacting you for help and further review of false reporting and aggressive behavior from creditors.

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 2021-03-06
Company: ALLY FINANCIAL INC.
State: SC
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2022-02-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of {$500.00} on XX/XX/2022 through my wells Fargo app and the XXXX  link to my account. Wells Fargo is not covering the scam even though they know for a fact I was scammed. The side an investigation and concluded that they did not have to cover the scam charge. This is unacceptable behavior from and institution that supposed to take care of it's customers when they have been scammed.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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: In progress
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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:
Dear CFPB, I have mailed my identity theft report to Experian via certified mail 3 times. Each time they have received my identity theft report which includes a police and FTC report, they refuse to remove fraudulent accounts from my credit report and to remove unknown addresses from my Experian credit report and only send stall letters asking me to resend proof of ID and the same documents that have already be sent several times. 

The identity theft reports were mailed via certified mail to Experian, the delivery date and the tracking numbers are below : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Experian, Dear Sir or Madam : I am a victim of identity theft, and the accounts and hard inquiries below are were done by whomever stole my identity. I am requesting that the items be blocked to correct my credit report. Enclosed are copies of documents supporting my position. 

My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Please, remove the inaccurate addresses currently appearing on my credit report. 

Accounts that are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, 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 2023-01-21
Company: EQUIFAX, INC.
State: NY
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  Account XXXXDept of Ed XXXX 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