BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
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 started this process back in XXXX of XXXX when I noticed my accounts were being flagged with bankruptcies. I pulled a credit report and found a bankruptcy on my report. I disputed the bankruptcy with Experian. They came back XX/XX/XXXX and said it was verified by a third party vendor named XXXX but that if I believed they were incorrect then I needed to reach out to XXXX. I disputed with XXXX back in XX/XX/XXXX and also requested for the description of procedure used to verify the bankruptcy. XXXX came back and reported that they could not verify the bankruptcy. They mailed me out the confirmation letters dated XX/XX/XXXX, proving that they would delete the bankruptcy information from their consumer report. So I then disputed the bankruptcy again using certified mail on XX/XX/XXXX with Experian. XX/XX/XXXX Experian sent me an email stating that it was verified and kept it on my credit report. When I found out about the verification I followed up with Experian via phone on XX/XX/XXXX at XXXX about the bankruptcy dispute. The first agent told me that the bankruptcy was verified but they could not tell me who verified it. Then I got transferred to a supervisor who stated that they couldnt give out the information but that the courts verified the bankruptcy and all they had was a phone number. I told the supervisor that I had received a letter from the courthouse 's clerks office stating that they don't give out any information to third parties and that they are unaware how third parties receive their information. So I ended the phone call by telling the supervisor that they would be receiving another certified letter, requesting a description of procedures and verification used. I sent a description of procedures letter in the first week of XXXX and just recently as of XX/XX/XXXX, Experian stated that the information was verified but never stated who verified, never gave any addresses, names or phone numbers. So I called them XX/XX/XXXX to try to understand why, and why I haven't received the description of the of the procedure used to investigate, who they talked to. They told me they aren't required to give that information out. I mailed all my disputes and letters certified mail. I also reached out to the courthouse because one of there agents told me that the courthouse gave them the information. The courthouse responds to me via mail, stating they don't give information to third parties. I sent the courthouse and XXXX letters to the Experian as evidence especially since I have a copy of dispute results from XX/XX/XXXX stating that they used XXXX to obtain the information.

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 2023-03-23
Company: EQUIFAX, 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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$920.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  ; MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/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 XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Early XXXX was advised to payoff and close the account I needed to {$510.00} by XX/XX/2020. I paid {$510.00} on XX/XX/2020. I was advised it would take 30days for the account to closed out and letter me advised balance paid in full. I started receiving calls early XXXX about a remaining balance of {$140.00}. I spoke a supervisor who assured it would be handled. XX/XX/2020, I received another call for the company and they said I owed {$180.00}. I spoke a lead and a supervisor and was told payment had been processed incorrectly on XX/XX/2020. They said would investigate again. Today XX/XX/2020, I received an alert from the credit that Conns reported that I owed them a balance. My credit was decreased over 30 points overnight. Conns has illegally reported inaccurate charges on my account and caused my credit to decrease. This could impact my other credit accounts. 

Conns Credit Company has failed to handle the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have XXXX in my account.They went in my account without ask me first. They over drafted my account.

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 2019-03-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert, that I had a hard inquiry on my XXXX  credit report on XX/XX/2019. I viewed it and it was from Chase Card. I contacted the business the following day, informing them about the alert and the fraudulent hard inquiry and was told to dispute with XXXX. I did not dispute with XXXX, because I have a fraud alert attached to my credit report, because of previous fraudulent activity and any company that receives an appliication is to contact me and Chase Card did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
After years of reporting incorrect information by Bank of America, branch @ XXXX XXXX XXXX, XXXX, Ca. XXXX, ( Manager ). 
Falsely reported unpaid balance when there was no balance. 
This reined my life financially. I have sense had this item removed from my credit after 5 years. 
I am currently trying to recover damages and loss due to this illegal action taken by Bank Of America. 
Now, refuse to allow myself to open an account with giving a reason further damaging my financial well being out of " spite ''. 
Manager accused me of entering Bank to look at female Tellers this is sexual harassment and embarrassment. 
Bank Manager said to me " they should not have closed your account for reason given. 
Bank used Credit Reporting agency to prosecute me illegally and for a crime I did not commit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had the credit card for several years and have always paid full balance didnt carry a balance. Barclay Bank closed the account recently. I tried to redeem the rewards as I have accumulated over the last few years as statement credit, couldnt do it online, so I called the customer service, was told it will be redeemed and applied as statement credit within 7-10 business days. But instead I received a letter in the mail that stated can not assist me with the rewards redemption.

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 2020-11-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2017-09-21
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to 8 sessions of XXXX XXXX in XX/XX/XXXX after my XXXX XXXX. XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, in XXXX MI, submitted my visits to my insurance company and assured me I would receive a bill from him for the uncovered amount. 
Fast forward 2.75 years and in XX/XX/XXXX, I receive a " final collections '' notice from Transworld Systems, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX for {$510.00}. I have had impeccable credit for my whole adult life, and now it has been sullied because of this. I check my mail every day, so it 's not like I missed an invoice or something. I am very discouraged, but it does look like my insurance did n't cover this portion so I will pay it just to get my credit back in shape.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I made a purchase online with XXXX 's in the amount of XXXX which was subsequently canceled a short time later by them. Upon receiving the cancelation email I called their customer support and they assured me that the money has already been released for refunding and to contact my bank. When I called my bank they told me that they can see XXXX 's has indeed issued the refund and it would take 3-5 business days to see my money. 5 business days came and went yesterday XX/XX/22, when I noticed I still have not received my money I called my bank back. I was told there is nothing they can do to speed up the process or to honor their prior promises and that I can be rest assured the money would reflect last night. Well now past the promised 5 business day and still no money I called back again, this time I was told yet again that their is nothing they can do to assist me and that now it may take 7 business days for me to receive my funds back in my account. None of the representatives seemed to be compassionate or bothered to look to see what my options were to resolve my matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
XXXX was a fraud account when my identity was stolen and it was removed. Now the reporting agencies continue to report this unknown account to my credit report under different names and dropping my XXXX XXXX points each time! This is a fraud account, please make them stop! It is affecting my life! Now they call themselves Midland Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021 I applied for a credit card after receiving preapproval. I was denied even though my debt to income ratio is around 18 %. When I called I spoke with XXXX she advised me that they based my application on false info. They stated my credit report shows two mortgage payments, one for {$440.00} and another for {$660.00}. That is false, my credit report only shows one mortgage payment. She also stated my credit report shows a monthly payment of {$5000.00} to XXXX. That was another false statement. That account she claims was used as my debt has been paid off for years. XXXX claimed she would have everything reviewed and she would reach out to me in a few days. Never heard from her. Called Discover today and received the run around. It is a violation of the Fair Credit Act, to use false credit info. Discover was made aware on XX/XX/2021 and XX/XX/2021 that the info they used to deny my application was not accurate. XXXX has provided me with a credit report and it is accurate. They also told me they did not provide Discover with the inaccurate credit report they used. Discover has a duty to obtain and use accurate information when reviewing application, especially when they have been informed what they have used is not accurate. Discover 's failure has caused me to improperly be denied and have an unnecessary inquiry. They have clearly violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I applied for loans online, a company named Cash Central sent me a message saying I was approved for $ XXXX {$5000.00} dollar loan. I agreed to a {$2000.00} loan in which I would pay {$100.00} dollars a month for a XXXX installment. They emailed me the contract in which I agreed to. They asked for my account number in which I agreed to because they needed to verify that I had a source of income. When they looked into my account they saw that I was over drafted ( that's why I need the loan ) to cover the over draft and try to clear out other debts. They said they had two options they could help me out before giving a loan. It's either I showed them a {$100.00} that would be part of the first month payment ( that I clearly didn't have ), or they would send {$500.00} dollars that would cover my over drafted amount and I was to send them back the rest of the amount as good faith. This all happened XX/XX/2018. They kept asking me why haven't I sent the rest back yet and that's when I told them I haven't received it. When I spoke to XXXX on the XXXX they said it takes about XXXX business days for them to clear. on the XXXX when I spoke to XXXX ( because I noticed the funds still weren't there ) they said it came back as fictitious. Cash Central had also deposit XXXX additional {$250.00} deposits. When I spoke to Cash Central about the {$500.00} deposit they said it appear that way because it was cancelled that the additional {$250.00} deposits should go through. When I spoke to XXXX again they said those funds should go through but they were going to hold it till the XXXX because the first check came from the same place and it was fictitious. By the XXXX I noticed that I was being charged return fee on those deposits ( I was also charged return fee on the {$500.00} deposit as well ; {$15.00} each ). When I spoke to XXXX they said those were fraud, so they transferred me to their fraud department. Fraud told me that I had to physically go into a bank to fill out some forms and also get a new account because this one has been compromised. XXXX was no help and basically said I would be accountable for the situation because I gave them my information, but to my knowledge I thought I was dealing with a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: ENOVA INTERNATIONAL, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
CashNetUSA ( https : //www.cashnetusa.com/ ), a Payday loan provider, fraudulently charged my checking account via my debit card XXXX payments of {$500.00} on XX/XX/2023 ( total {$1000.00} ). 

I have never heard of CashNetUSA, and I have never taken a payday loan from them or anyone else. I have called them ( XX/XX/XXXX conversation with Cust. Service Rep XXXX XXXX ) to confirm that I do not & never have had an account with them. They will not submit my claim to their fraud department unless I have a police report ( XX/XX/XXXX conversation with CSR XXXX ' ), but my local police will not file a police report without a notarized letter from CashNet saying I was defrauded ( XX/XX/XXXX police visit ), which CashNet will not provide, so I do not have a path forward. 

I have cancelled my card with my bank and the bank has launched an internal fraud investigation, but CashNetUSA is knowingly accepting fraudulent money as they have confirmed with me that, according to their own records, I have never done business with them. If needed, I have recordings of these phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Exeter Finance Corp.
State: GA
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:
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX-XX/XX/XXXX Exeter Fin XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation