BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX, Equifax and XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: NE
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:
WHY DID ONE ACCOUNT OF XXXX XXXX XXXX COME OFF OF MY REPORT? YET THE OTHER STAYED ON THERE. PLEASE REMOVE THE NEGATIVE CLOSED OFF ACCOUNTS FOR XXXX XXXX XXXX AS FOR IT IS REALLY AFFECTING THE STATE OF MY CREDIT HEALTH. THESE ACCOUNT S WERE OPENED ON XX/XX/XXXX AND XX/XX/XXXX. WITH BALANCES OF XXXX AND 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 2021-04-01
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:
In XX/XX/2021 I sent letter requesting an investigation into some things my credit report that I believed were suspicious. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX my son was in a horrible accident ; resulting in XXXX XXXX XXXX over XXXX XXXX XXXX XXXX XXXX. This was immediately on the heels of my employer ( XXXX XXXX ) laying my off while on disability/FMLA for XXXX XXXX. 

As a result I struggled most of XXXX to keep up with my bills, but I was able to make minimum payments until I was able to get back to work in XX/XX/XXXX. Unfortunately getting back to work did not help much as it required me to work out of state for nearly a year. The added expense meant I was no longer able to make my minimum payments on my Walmart credit card. 

So I contacted their customer service department and advised them I was paying for protection against this very issue. I advised I wanted to take advantage of the Debt Forgiveness program ; for which I was paying, and requested the paperwork to apply for Debt Forgiveness. I was advised the paperwork would be sent to my billing address. 

The requested paperwork was never sent/received. The next thing I knew Walmart had, instead, sold that debt to a bill collector. Instead of the debt forgiveness, for which I paid and qualified to use, I now have TWO companies hitting my credit report for THE SAME debt. ( Walmart and 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 2021-04-01
Company: WELLS FARGO & COMPANY
State: NY
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:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. Wells Fargo Balance {$120.00} Shows charged off. I never opened this account.

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.Barclays bank Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX. Again I never had any open account for XXXX XXXX as they are claiming.

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

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 2023-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
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:
Dear madam, sir... 
My identity was stolen and someone opened a fraudulent credit account with USAA Savings Bank for a {$12000.00} line of credit. Most importantly, I am NOT a member of the military nor is anyone in my family. This acxount should never have been opened! I did not have any knowledge of the account nor did I give any consent on my behalf. The account was active for a period of 7 years ( from XXXX ) and I only discovered it when I got my first ever credit report in XXXX. I did not benefit in any way shape or form from this fraudulent account and the line of credit associated with it. I immidiately disputed the account and activated a credit freeze with all 3 credit bureaus as well as fraud alerts. I have contacted USAA many times over the last few years pertaining to this issue and they have verified an account connected to my name and my social security number in their database. However, Ive had two other non related instances of identity theft against me since XXXX so I have been trying to get the account disclosure information mailed to me from USAA so that I can turn that info over to my local law enforcement agency for investigation but they have been no help at all and have taken ZERO accountability for their part of the crime that they facilitated. Since XXXX  of this year i have called USAA 5 times to explain to them that I can not verify my identity on their website as they require to release any info to me because I was not the person who opened the fraudulent account and the phone number that was initially added to the account dosent match mine. Obviously. But each time i call back I have to explain the whole situation over to a new person who ultimately refers me back to the verification website cycle that im stuck in. I ask to be connected to their fraud dept only to be put on hold and connected to another employee who handles credit accounts and not fraud. I am the victim of fraud that USAA should have prevented. Their unwillingness to help and to take any accountabilty is unexceptable and so very frustrating. Im desperately filling out this complaint in hopes of getting the attention of someone with USAA who is willing and able to help me out and give me the solid answers and information that I am lawfully entitled to by law as a consumer. Thanks in advance. 

Sincerely, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 we tried to refinance our mortgage with Chase. At the time of the application Chase asked me to provide a {$500.00} downpayment with the understanding that if the refinance application was not approved it would be returned. I paid the {$500.00} with my Chase credit card. We had agreed upon the terms however Chase came back with different terms which we did not agree. Chase approved the application with different terms such as over a {$100000.00} mortgage when my mortgage that I wanted to refinance was only {$54000.00} ( approximately ). The reason they said was because they found a credit card under my wife 's name that allegedly was charged off. We disputed that allegation. Chase attempted to add the alleged amount owed to our mortgage. Initially when they did the credit report on me and my wife it did not show up. Since the application with the terms we initially agreed upon was not approved I requested a refund of the {$500.00} but they refused. I disputed Chase 's attempt to retain the {$500.00}. I am XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. I believe that they were trying to take advantage of me. I requested numerous times a refund and to this date I have not seen the credit on my credit card. I have asked them if they have credited my account to show me proof and they have not provided anything, Attached are the emails and most recent email that was sent but no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: MOHELA
State: MA
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:
Submitted proper verification ( form generated and completed via XXXX XXXX XXXX XXXX for period of employment for XXXX program. MOHELA rejected the information stating that the signature is missing or that the format was incorrect. This is not true : the signature is in fact on the document, and further the document was generated directly from XXXX XXXX XXXX 

Attempts to rectify the issue have been unsuccessfull. I have called numerous times, however, due to my work schedule, I can only call on XXXX. The times that I have attempted to call during MOHELA business hours, I have been hung up on before speaking to a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called this company to ask for details like a contract between them and myself and they hung up on me. I never heard of this company, never contract with them THIS 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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out a number of times and advised that the BANKRUPTCY was not properly verified and they are not mines. I have attached a copy of the letter that was mailed to me from the Bankruptcy courts here is XXXX XXXX. 

XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2020-08-11
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received several bills in the mail regarding a XXXX late charge owed to sprint. XXXX was paid in full by my past bank XXXX in which I never authorized a final payment any how so not to sure why XXXX submitted a request for payment to my financial institution. When this all begin I attempted to pay in payments with XXXX was denied the option to do so. I then saw a submission to my bank at the time for 2134 I believe was the exact amount. I disputed with my bank advising I was not on auto pay with XXXX and has not given authorization for the final bill to come out of my bank account. XXXX attempted many times on different dates until XXXX allowed the payment to go through. XXXX placed me in debt stating that they authorized the payment as a courtesy, putting a client in debt for a non authorized charge isn't a courtesy. I called sprint and asked why was a XXXX late fee charged after they received the full payment from XXXX the online chat teammate advised they will waive the fee. Months and a year later im now getting harassed by a third party call afni which XXXX hired to collect on a XXXX late charge that should have not been on there. I need assistance with getting this matter resolved and of my credit. XXXX made a fraudulent action against me and it was not the way to treat a customer. When attempting to get the matter resolved I experienced long holds and hang ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Nothing happened when I submitted the dispute, I also requested value assigned to transactions, no response, only someone will get back in 4 hours out of the numerous complaints/disputes submitted. 
All my debits are missing from account causing a low balance, credits are co-mingled with debits, no full accounting has been performed, I asked who was there cpa over the accounting, no response from chime bank, credits are misappropriated, household goods and personal use are not being correctly recorded. I gave them several notices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A year ago, I opened a XXXX  XXXX account, issued by XXXX XXXX, but serviced by XXXX XXXX. I immediately signed up for electronic billing so that there would be no postal delays in getting and paying the bills. 

I have never received notification that a monthly statement was available, including the one created on XX/XX/XXXX. I almost missed a payment date because of this. 

I spoke with Customer Service for months to no avail. For the last six plus months, I have been dealing with a gentleman in their Corporate office, who is also being stonewalled. 

Because of this, I closed the account in XX/XX/XXXX. 

All of this is handled by an outsourced company and no one can get any answers. 

What can be done about 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 2023-08-03
Company: World Omni Financial Corp.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
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.

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 2020-08-11
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Mediation Recovery Center
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This debt is not a valid debt it is past the statue of limitations, I spoke with a representative back in XX/XX/XXXX and they explained to me that I owe them over {$500.00} and they said that they would take me to court If I didn't pay. I told them that that this debt is past the limit of being a valid debt according to the statues of limitations. It was a payday loan from XX/XX/2011. Also, I have used that payday loan service since that debt charge-off. They said that openly admitted to the debt, this is valid but not a case that can be handled by XXXX county small claims court, or any other court for that matter. My work received a call today and asked my manager if I was prosecutable or something of that nature and left a number for me to call with a case number XXXX, XXXX. I called the number and it went to a answering machine telling me to leave my Name, reference number and number to call me back stating it was their " legal department. '' Also they called my mother the same day leaving the same message telling her that they had try to call me several times, fiction. I have not spoke to anyone since early XX/XX/XXXX about this and before that was unaware that the debt still was floating around. It isa n't on my credit report and I faintly recollect the debt and uncertain it is even a legitimate accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX account reporting shows balance of {$490.00}. 
As of XX/XX/2023 and per the CFPB website. All XXXX XXXX under {$500.00} will be removed from credit history. 

I disputed and asked for this account to be deleted on XX/XX/2023. 
On XX/XX/2023 Equifax responded stating " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Windham Professionals, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I was diagnosed with a XXXX XXXX XXXX XXXX and my XXXX XXXX doctor recommended XXXX. I contacted a recommended doctor for a second opinion. Upon calling the doctor - XXXX XXXX at XXXX XXXX in XXXX   XXXX, New York, I asked whether they accepted my insurance as I was only going to get a second opinion from an in-network doctor on my plan ( XXXX XXXX ). XXXX XXXX explained to me that they were in my network and that no charge would be imposed for a consultation other than a copay. 

I went for the consultation, paid the copay and ultimately opted against XXXX. 

I began to get bills from XXXX XXXX for {$140.00}. I discussed with them the issue - that they had told me they accepted my insurance - and they explained they no longer were on the plan. I contacted my plan and I filed a complaint with the XXXX Department of Financial Services. 

Since that time I am now being sought by XXXX XXXX XXXX XXXX ( Letter dated XX/XX/XXXX, Account # XXXX ). I am filing a complaint against the collection of this debt given that it is unlawful.

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