BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things 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 of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 caused 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 2022-11-07
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:
Well a new account was opened up XX/XX/XXXX of 2022 up under my name which I never authorized and I had a freeze on my account because of fraud but Equifax seem to allow new accounts to be added on my account with a freeze on it but can never answer how that happened which this account is not mine I never opened this account that was open up XX/XX/XXXX or 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix financial is on my credit report. I disputed it on XXXX XXXX to verify accuracy because I have no knowledge of this account. It was completed XX/XX/19. I still dont know who the original creditor was and why I owe them money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I was advised that Wells Fargo is not accepting the insurance information I provided them, denying me a large refund for Insurance fraud they committed and are attempting to pay borrowers back. Wells Fargo is stating they called my insurance and was advised there is no coverage. 

That is just not true. I am requesting that they provide me a letter in writing from the insurance company stating that I did not have coverage for the dates required. 

I spoke with all 4 insurance companies and indeed they advised that my insurance was valid.

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 2018-04-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to Equifax 's mishandling of my credit information, I placed a freeze on my Equifax credit report. At that time I was provided a pin to manage my credit report. THE PIN DOESNT WORK and I am faced with the prospect of wasting more of my time and energy correcting a problem initially created by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: LFG Data Services Holdings, LP
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've attached proof of LCI inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue LCI and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! FCRA Section 623 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 2021-01-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023, I went over the money that I had in my Marcus account, which is owned by Goldman Sachs. I had bought a few CD 's through them before, and thought I would check the rates. My savings there is currently getting 3.9 %. I saw the CD rates, and that all of them had rates on the main screen of over 4 %. See my attachment, and it is a screen shot from today ( XX/XX/2023 - all screen shots are from today ) on the first page. 

After looking into the different types, I decided to do the no-penalty CD, and the rate at 4.15 % seemed appealing, especially with the fact that I could cancel it. Yes, it does say after 7 days, but I figured I would have no reason to cancel it unless in the event rates go up, which would be more than 7 days most likely. 

Well, I went through the steps, and funded it by transferring {$20000.00} from my savings at Marcus to the CD. Then I happened to check it online today. Lo and behold, I was bait and switched!!!

It showed I was only getting 0.45 %!!!! Quite a difference, I assumed it was an error, that there was a misplaced decimal point. No, it was correct they said. I then saw that when a person clicks on that first page showing the term of 13 months wit 4.15 %, and then you click Open Account, naturally I assumed that was what I was getting. I figured the one thing I would need to do is put the dollar amount in, which I did. 

HOWEVER, what the sneaky, unethical firm did ( and I have used them for quite some time and had been pleased prior ), is that when the Open Account button is selected, even though the 13 month term and 4.15 % is shown, it then changes the term to 7 month, and to be a ridiculously low rate of 0.45 %. See second page, second screenshot.

Now, had it been a bit lower, even a decent amount lower, I would not be so bent out of shape. For it to be so drastically lower, and lower than any reputable online firm is offering, I feel there is no doubt that this was done purposely and with intent to bait and switch people.

Ok, so bad enough. I figured since I can tell them that I felt misled, and the fact that the money came from Marcus and not transferred form outside, I should have no problem in getting the no-penalty CD cancelled if I at least reached out and told them the issue. See third screenshot, third page. 
First I went through the chat, and was told no. Then the phone, and I escalated to a manager, and told no. Now granted it does say it can't be cancelled within 7 days, but I also feel this is done to get people to simply give up or forget about it, or for them to at least squeeze a week of their lowest rates on their system, even lower than the basic savings rate.

At the least this is poor customer service. And looking at the rate for the high yield CD for 6 months is 4.25 % versus 7 months for the bait and switch CD it defaults from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PayPal calls every two days with the same exact script, contending they have no record of calling more than once a week. When I answer, they usually will wait 5-10 minutes before actually speaking and never listen to the info I share or have any knowledge of the online message center information I have shared while past due.

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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 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 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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that theinformation they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account correctedas soon possible : 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 non-monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ILLEGAL practices. Post dated a PAID veterinary bill from XXXX ( from a traumatic night I had to put our XXXX XXXX XXXX in an emergency ) and reported to my credit as an account from XXXX. Took my score down 45 points for absolutely NO reason. I have spoken with XXXX XXXX hospital ( original account ) and they agree it was sent to collections by mistake. Incessant phone calls FIVE times per day for over a YEAR now! Brings back terrible memories from that night every time they call. ( All over {$160.00} that I NEVER OWED! The vet bill was paid in full the same night. ) I have disputed this three times now and they STILL refuse to remove this false collection from my credit.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have automatic text message notification set up with my bank of america accounts. On XX/XX/2020 two automatic insurance deductions ( that are scheduled and usually occurs on the XXXX of each month ) were paid resulting in a negative balance to that particular account ( I received NO notifications and BOA charged two separate {$35.00} overdraft fees for transactions from the same insurer ( XXXX XXXX XXXX. Additionally, please note although requested BOA would NOT provide me with details particular to the deductions such as the time received/paid. 

The next morning XX/XX/2020, when I logged on and noticed the issue with that particular account, I transferred money that was in another account to bring it current and then contacted BOA. 

I expressed the following concerns : 1. I had received NO notification of the overdraft ( although historically, text messages were sent ) 2. Had the text message been sent as was historical practice ... no time between notification and placing the appropriate money in the account would have passed. 
3. The date I agreed and have had the deductions made from my account beyond a holiday was the XXXX NOT the XXXX. Payment should have been rendered on the appropriate day- NOT A DAY EARLY -- and the cash would have been in the account. 
4. I requested the time and date for deduction XXXX XXXX was received and paid. I was told by Manager XXXX XXXX that BOA does not collect or maintain that information. 
After discussing the above I requested that the two over draft amounts ( total {$70.00} ) be returned to my account. 

Despite escalation to Supervisor XXXX XXXX and then her Manager XXXX XXXX I was told that they would return one overdraft of {$35.00} and that I should be grateful for that. I voiced my objection and asked that the matter be escalated -- according to XXXX XXXX none of the 3 upper managers were available but I would receive a call from " someone '' within the hour. 

Now several hours later BOA has yet to respond to my complaint or return the funds in total ( additional {$35.00} ) that was taken from my account. 

I am asking for an investigation as I am sure that other " small amount '' BOA bank users along with myself continue to suffer the inappropriate removal of funds from accounts. 

The loss to customers such as myself must be in the hundreds of thousands at this point ; and if unchecked this practice will continue.

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 2019-07-25
Company: AES/PHEAA
State: GA
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:
On XX/XX/2019 I received notice from PHEAA Fedloan Service ( via my online account inbox ) that I must began paying my student loans effective XX/XX/2019. I submitted to PHEAA via their online complaint there is an error that my summer school began on XX/XX/2019. I uploaded a copy of my course enrollment receipt indicating the student loan amount for summer school. They refuse to accept the information stating they had already checked the federal data base which indicated I was not an enrolled student. Within my online PHEAA account lists my last student loan amount of {$3800.00} which was disbursed to me on XX/XX/2019. That is confirmation that I am a current enrolled student coming PHEAA 's information regarding my student status. PHEAA still refuse to make the corrections removing me from being in delinquent. I have proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a multitude of errors on my report ranging from items reporting that appear to be someone else 's information, i.e bankruptcies, to items I believe are outright fraud. I have attempted to fix these errors in XX/XX/2016 but did not follow up as diligently as I should. Therefore, there are several items that still remain and some new items that have have appeared. I receive mail at my current resident often with names that are similar to mine but misspelled. I am not sure how this is related except for the fact that my credit report is entirely inaccurate. Please help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.

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 2022-12-19
Company: EQUIFAX, INC.
State: MD
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:
My name XXXX 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 explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions 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 submitted my disputes for these fraudulent accounts. I received a reply ACCUSING me of using a credit repair company. That is an absolute insult to me. I am offended that I am being accused of not being capable of disputing fraudulent accounts on my credit. At ths point I feel further victimized. I would like to have these FRAUDULENT accoutns removed or I will have to exercise my rights because I am being violated. I am an XXXX veteran, Ive served and protected my country, I don't deserve to be victimized by the bureaus and an identity thief. If these accounts are not removed, I will be forced to escalate this matter to the next level.

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 2021-02-11
Company: Scratch Financial, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SCRATCHPAY HAS NOT UPDATED AL 3 BUREAUS ON A PAID LOAN

Company response to consumer: Closed with explanation