BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
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:
TODAYS DATE:XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX ( I NEVER OPEN THIS ACCOUNT ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2023-09-13
Company: EQUIFAX, INC.
State: NH
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call very often, sometimes two times a day. They mirror numbers near me but it changes when they call so I can't identify them. I told them I can't currently pay, I'm in debt that makes me essentially negative every paycheck and I had no money in my bank account every time they called. Each time they said I HAD to pay, and I'd say I don't have money and they said it needed to be paid today or start a payment plan. Last month they told me they'd leave me alone for a while and note that I'm not making extra money I can spend, so they'd give me a chance to call them when I'm better financially, and they still called me several times and got really snippy with me about paying immediately. All for a four year old hospital bill from an emergency XXXX where they injured me further, forced me to stay longer than I needed to, and racked up my bills and my insurance didn't cover it all. At this point I would've taken the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I Was taking advantage of due to malpracrice while several laws have been broken under the FCRA by your company.This has caused me financial injury and deformation of character. This is preventing me from applying for credit and getting loans

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 2022-02-25
Company: Army and Air Force Exchange Service
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My original aafes debt which is now managed by XXXX XXXX XXXX was discharged in a chapter XXXX bankruptcy in early XXXX and they have been garnishing my income tax returns for XXXX  years now on this debt that was discharged.

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 2021-06-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I made an appointment at XXXX XXXX on XX/XX/20 after listening to an advertisement on the radio. I attended the appointment and filled out paperwork while I waited in the lobby. The receptionist advised me that their company used Care Credit thru Synchrony bank for payment. As I waited for my appointment, the receptionist called one credit card company which I was denied credit and then she called Care Credit. As I sat in the lobby, she provided my personal information over the telephone ; name address, date of birth, and social security number. After overhearing that I had been approved, she handed me the telephone and the person on the other end of the phone confirmed my identity and was told to hand the phone back to the receptionist. I was called to the back room and received an injection into my left knee. I hen was told to bring my credit card ( s ) for the balance due of {$9000.00}. I left the office in pain and called back advising that I would not be returning for any other treatment since I felt worse than I did before the injection. 
When I received the credit card statement, XXXX XXXX had maxed out the balance which was more than the treatment cost on the date of the service. When I complained to Care Credit they advised me that since the paperwork sated " no refunds ''. I owed the entire amount. I advised them that I did not receive {$3000.00}. worth of treatment per their fee sheet that they provided me. I advised them that I would pay the amount of the treatment I received not the maximum amount charged. My bill was never corrected. The receptionist was provided with the credit card number by Care Credit and not the me. I didn't receive the credit card information until I received the physical credit card in the mail and the statement several weeks later. At no time during my visit XXXX XXXX, was I never asked for payment or how II planned to pay for my treatment.

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 2020-03-03
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security number. 

XXXX XXXX XXXX {$11000.00}

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 2023-09-13
Company: EQUIFAX, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX Balance Owed : {$0.00} ; XXXX  XXXX BalanceOwed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : 2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called ally Bank to let them know that the 1099 INT for XXXX was not correct. They did not agree. I told them that if you add up the interest for the Year XXXX it did not add up to {$2100.00}. This is the amount added to the account when the CD matured not what was earned in XXXX. They opened a case in the beginning of XX/XX/XXXX on XX/XX/XXXX Ally Bank said the 1099 was correct and they closed the case.

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 2022-02-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-09-13
Company: EQUIFAX, INC.
State: NY
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 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 correct : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX from one main financial in XX/XX/XXXX. Then on XX/XX/XXXX I borrowed XXXX after the individual stated since my credit score was XXXX I'd only have an 11 percent interest rate which apparently isn't correct to one main financial its XXXX percent after reviewing the audit they sent I still owe over XXXX I've been paying monthly since loan began. Now I feel I've been lied to also had disability insurance and death on original loan which wasn't returned or refunded plus they refused to make 2 payments after I became XXXX due to injury.any help would be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXXfor misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.

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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security number. 

XXXX XXXX XXXX {$11000.00}

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 2019-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I was contacted by someone claiming to be XXXX XXXX XXXX of XXXX XXXX. He emailed me setting up an interview with XXXX XXXX XXXX of XXXX XXXX  for a graphic design position. XX/XX/XXXX I was contacted and interviewed by someone claiming to be XXXX XXXX XXXX of XXXXXXXX XXXXI. On XX/XX/XXXX I received an employment offer letter containing compensation details and benefit details. XX/XX/XXXX I received a check from them for the amount of {$6900.00} that I was told to deposit and was to be used for training and equipment. On XX/XX/XXXX the check appeared to have cleared and the money was in my account. XXXXXXXX XXXXI then provided a contact phone number to be able to get in touch with the instructor. Then XXXX XXXX XXXX ( or her impersonator ) asked me to make the funds available to the instructor by depositing then into their vendor account. I did this in good faith. Friday XX/XX/XXXX I checked my account and only to find it overdrawn by {$4500.00}. It was overdrawn by that amount because {$2400.00} of my own money was in the account and Wells Fargo used that to cover the loss. Immediately on discovering this I went into a Wells Fargo branch and explained the situation. They seemed to be aware that these types of scams are common they seemed to understand exactly what happened, how it happened, and that I was the victim and not the perpetrator, and are still holding me accountable for the funds. My complaint is that if they are a federally insured institution and wouldn't lose money on a claim like this why hold me responsible? I was even willing to make payments on this amount since I was the one defrauded but they are unwilling to work with me in any way.

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 2023-03-13
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was the victim of a rental scam and my bank, BECU is refusing to restore funds. 

- On XX/XX/XXXX I responded to a XXXX listing for a rental house at XXXX XXXX XXXX XXXX XXXX, WA XXXX - On XX/XX/XXXX I received a text from someone named XXXX XXXX XXXX XXXX XXXX pretending to be the landlord of the house at XXXX XXXX XXXX ; on XX/XX/XXXX, we discussed the house and XXXX had my wife XXXX XXXX and I fill out rental applications- On XX/XX/XXXX my wife XXXX and I went to view the house XXXX XXXX texted me a lockbox code that contained a key to the house. We were able to walk through the house and the backyard. I also spoke with XXXX on the phone ; he had us leave the key at the house so that workers could access the home for repairs - On XX/XX/XXXX I sent a {$100.00} application fee, a {$600.00} pet fee, and {$1000.00} for the first half of the security deposit via XXXX - On XXXX I sent the second half of the security deposit ( {$1000.00} ) and the first month of rent, {$3000.00} - The total amount I sent to the scammer was {$5700.00} - On XXXX XXXX requested I send additional money, when I pushed back he stopped responding to me altogether and I have not heard back from him- On XXXX, after doing additional research I found the XXXX XXXX XXXX rental listed under XXXX 's XXXX XXXX and confirmed that they had someone else listed as the homeowner and had already approved someone else to rent the house - On XXXX I followed up with my bank to dispute the transactions - On XXXX I filed a case with the XXXX, WA XXXX, Case Number : XXXX - On XXXX I filed a case with the FBI via IC3.gov ( no case number yet ) - On XXXX I was issued two letters from my bank, BECU, informing me that they concluded their investigation into this matter and that they are refusing to restore or refund any of the money I lost in the scam - On XXXX I received several emails from BECU informing me that my XXXX Account had been suspended because " There was a problem with the payment after it was withdrawn from your account. '' - On XX/XX/XXXX I called BECU and confirmed that they will not be refunding or restoring any funds at this time- The scammer also has mine and my wife 's social security numbers and had me do an ID verification via Persona Info regarding the scammer 's accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-19
Company: DISCOVER BANK
State: TX
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 balance transfer

Complaint:
In summary, since XX/XX/XXXX I have been disputing accounting errors with Discover. In spite of discussing with a dozen Discover Customer Service people over the last weeks, the situation has only worsened. Discover owes me more than $ XXXX, yet my balance is showing that I would owe Discover $ XXXX! 


On XX/XX/XXXX, I made an internet payment for the month 's balance ( of {$3700.00} ) by paying {$3400.00} through my XXXX bank account to my Discover card, as well as redeemed {$37.00} cashback bonus by paying into discover account. However, there was already a direct pay from my XXXX  account to discover to pay the full balance of {$3700.00} that shows under XX/XX/XXXX. In short, I overpaid discover card by {$3400.00}. 
I called up Discover to return the {$3700.00} back to my XXXX  bank account. 
The old card however needed to be closed down for security reasons, so Discover card gave me a new account number. 
Instead of getting the extra money I had paid to discover being reimbursed to the new account, the Discover card instead has now been CHARGING me for the {$3700.00} twice -- once on XX/XX/XXXX and another on XX/XX/XXXX. 
Instead of showing a balance of $ XXXX ( that is, money Discover owes me ), it is now recording a balance of {$11000.00} from XXXX XXXX XXXX. 
I have called many departments since XX/XX/XXXX, with the last being today ( XX/XX/XXXX ) and instead of getting my balance reimbursed, I have been fraudulently charged by Discover Card {$7500.00}. I get shuttled between departments ( customer service, billing and security ) without any resolved and additional charge. 
In short, I not only want my old credit transferred onto the new card, I want the XX/XX/XXXX and XX/XX/XXXX fraudulent charges reversed.

Company response to consumer: Closed with non-monetary relief