BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : -.

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 2021-07-07
Company: Early Warning Services, LLC
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Late in the day on XXXX, I transferred money to a person via Zelle in my XXXX app for tickets to an event in the amount of {$450.00}. On the morning of XXXX, the tickets had not arrived. I contacted the person via text who never responded. I then called them, they immediately hung up and blocked me. I immediately called chase bank to stop the transfer as it was a scam. XXXX XXXX  told me that because of the terms and conditions with Zelle, there were no actions that they would take. I then called Zelle, where I could not reach a person via phone. Via XXXX messaging with Zelle, they told me that they offer no protection to their users and I would have to file a claim with my bank. I then contacted XXXX via XXXX XXXX  and additional phone calls and was told repeatedly that they care for the customers but they made no attempt to obtain the money from the scammer. I was in contact with both companies less than 12 hours after the transfer occurred and neither made any attempt to rectify the situation and sent me on a wild goose chase with neither company having any accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Letters were send XXXX XXXX Letter sent XXXX XXXX Called XXXX XXXX Called XXXX XXXX Unauthorized inquiries on report already have fraud alert on report and victim of breach information keep getting they have not recieved letters and they cant do anything

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 2023-09-29
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX* Balance : {$0.00} XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$470.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXX Balance XXXX : {$18000.00}

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 2022-12-30
Company: Thrifty Loans, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX Thrifty Loans located at XXXX XXXX XXXX, XXXX, LA XXXX ask for my permission to have a payday loan fee of {$55.00} taken out of my bank account. I authorize this transaction to take place on XX/XX/XXXX. There are XXXX payday loans taken out in my name at this location. XXXX payday loan fee is {$55.00} which is due the XXXX of the month. The XXXX payday loan fee for {$55.00} is due the last day of the month. The same Thrifty loans employee contacted me again asking for another payment of {$55.00} on XX/XX/XXXX. I advised her that the payment should've been paid on XX/XX/XXXX already. This set off an alarm for me so I pulled up my bank transaction history and realize that XXXX payments of {$55.00} each were taken out my account by Thrifty Loans on XX/XX/XXXX. I immediately contacted Thrifty Loans employee by phone on XX/XX/XXXX to explain that a refund should be processed because the employee over charged me. The employee stated that her manager sent her an email and the refund was already being processed. On XX/XX/XXXX I received an text message from the same Thrifty Loans employee from XXXX at XXXX " ok my boss said instead of reversing the charge they just gon na use it on your next payment due date. '' I immediately responded and declined. I advised the employee to again issue a refund for the {$55.00} that was charged to my bank account without my permission. On XX/XX/XXXX I recieved another text at XXXX " ok I will see what they can do because it was a card payment not cash let me get with my boss. You don't come back in until XX/XX/XXXX and XX/XX/XXXX. '' I replied at XXXX XXXX again asking that the company reverse the unauthorize payment of {$55.00} that was charged to my account on XX/XX/XXXX. The employee text me at XXXX XXXX " i will reach out to my boss to see what can be done but a refund is going to take XXXX business days it depends on your bank. '' I responded " I wish the refund was processed on XX/XX/XXXX per my request. '' I have called the Thrifty Loans in XXXX XXXX, LA and spoke to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to see if she can get the manager XXXX to solve this issue. I also called the Thrifty Loans located in XXXX, LA and left another message for the manager to contact me. I was able to get the manager personal cell phone which I've called and text her on XX/XX/XXXX. No one from the company has reached out to resolve this issue and as of XX/XX/XXXX I have not been issued a {$55.00} refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2022-12-30
Company: DISCOVER BANK
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to access my account on XX/XX/22 online. The system needed to verify me but they only had my old cell phone number on file. They had no other automated way to verify me even though my email address had not changed. I had to call and they still would not do anything for me until I faxed or sent a copy of my Drivers License. I don't have access to the technology for this and don't make it into town often, hence why I do my banking online. I filed a complaint here already and the response took almost a month to reach me. 

This is the exact response I got : " You may also mail or fax the document with the information provided below. Please include your full name, address and last four digits of your account number should you wish to fax or mail the information. Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Fax ( XXXX ) XXXX Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX XXXX XXXX XXXX, ( XXXX ). Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Burea '' On XX/XX/22 I finally made it into town and went to a local credit union to ask if they could fax it. They said it was not a service they provided but they would do it one time for me. They proceeded to fax it and I waited until they received a confirmation that it had been sent successfully. I called Discover the next day, XX/XX/22, to access my account and they could not locate my fax and therefore would not give me access to my account unless I told them the number that the fax came from. I don't have that info and the credit union is not able to give it to me because it is a phone system, whatever that means. I followed Discover 's instructions exactly ( nowhere in the instructions did it indicate I would have to provide the fax number it was coming from ) and they still won't allow me access to my money. It has been withheld from me for 30 days now. 

I am still receiving monthly statements to my address on file with them that has NOT changed. All I want is to close the account. They can either send me a check to the address they are still using for statements OR they can send the money through ACH to the XXXX account that is also on file on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
This company claims i opened a account with them XX/XX/2022 i sent multiple letters asking to state proof which all they sent was an itemized printout of what they claim is my account or billing statement, which is that printout does not represent verification.i feel this company keep violating my rights. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

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 2022-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
USAA has blocked my funds due to an XXXX scheme. the bank has deemed me as being apart of the scheme. USAA has refused access to my funds eventhough the negative balance has been resolved. 

I can provide more details upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiate an external transfer of {$8000.00} from my XXXX checking to my Citi checking on XX/XX/XXXX. The money was deducted from my XXXX checking on XX/XX/XXXX. And I received a phone call from Citi on XX/XX/XXXX saying that the money was rejected by Citi because of some mis-information. Meanwhile, the Citi agent called XXXX verifying my info during our phone call, and it turned out all the info are correct and it was some mistake on Citi. So Citi said they would unblock any future transfer from my XXXX checking but unfortunately they already sent that {$8000.00} back. And the Citi agent mentioned that the money would be shown in my XXXX account in 3 days. Today is XX/XX/XXXX, 5 days after Citi called me, and I still didn't see the money showing in my XXXX account. I called XXXX and said they never received the deposit back from Citi. And then I called Citi, they said they don't know what happened and don't know where is my money. 

This is totally Citi bank 's fault that they are so inefficient and mess up with my money.

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 2020-02-24
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have numerous times requested some sort of payment arrangement or payment extension to bring my past due loan current and my wife and I are continuously misled. I was unexpectedly off work due to some XXXX  I needed and fell behind on my loan. In XXXX I was told my car would be up for repossession unless I made a payment of {$350.00}. I was told if I made that payment that I would be able to get an extension. On XX/XX/XXXX I made that payment. When I tried to get an extension I was denied. Then in XXXX I was again told that my car was up for repossession and if I didn't pay {$290.00} by XX/XX/XXXX that it would be repossessed but if I made that payment I would be eligible for an extension. I made the {$290.00} payment on XX/XX/XXXX. No extension allowed. Now here we are, me being told that if I don't make a payment by XXXX my car will be up for repossession. Every time my wife speaks to someone from this company they promise her an extension if she just makes one more payment, one more payment. Well we've made XXXX, XXXX, and XXXX and no extension is available. We are past due {$1000.00} and trying to dig ourselves out but all Bridgecrest wants is to squeeze one more payment, one more payment, before actually helping us at all. 

My wife handles these things for me as I am hearing impaired and without the device that allows me to communicate effectively by phone. However if bridgecrest would like to reach out to me directly I can be e-mailed at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: SC
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:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX Late Payment {$10000.00} XXXX XXXX XXXX Late Payment {$9900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Late Payment {$9900.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$5600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NJ
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 corrected : XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: TN
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-29
Company: National Enterprise Systems, Inc.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was pressured to sign up for these loans while on welfare and a single mother of XXXX children. The school was bought out and closed while I was enrolled! I was not able to complete my education but 15 years later I am being sent threatening letters from a collection agency. XXXX sold my debt to National Enterprise Systems. I am now being asked to repay over {$100000.00} in student loan debt when I did not receive a quality education or benefit from the career that was promised to me.

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