BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX  I received a text notification from my credit card Discover " do you recognize this charge of {$230.00} '' I stated no. I called Discover to find out what this was all about and was told since I declined the text charge not to worry that the charge will not post. A few hours later I log onto my Discover Card web site only to see the {$230.00} charge is pending. I called Discover and was told that 30 min later after I declined the charge the merchant was able to put the charge through again and was successful. I asked why I did not get another text to notify me, the person said sometimes that happens, and now I can dispute this charge. After many months of going back and forth with Discover I was finally credited back {$230.00} until today. XX/XX/XXXX  almost 4 months later the merchant was able to send in information showing my name, address, and that I ordered {$230.00} for one bottle of XXXX XXXX 's. Discover card will not reopen this dispute, and I will have to take it up with the merchant Since XXXX of XXXX, XXXX  I have called this company call XXXX XXXX XXXX XXXX. I was able to stop them from a reoccurring charge of {$230.00} every month and was told they would credit me back {$230.00}. This company told me there is nothing they can do and I need to reach out to my credit card and he hung up on me. 
On XX/XX/XXXX  when I was on face book I did see an advertisement on these XXXX XXXX for weight loss. I did order 1 bottle @ {$39.00}, then when I received the text from Discover I realized this has to be the same company and it's a scam. NEVER have I received 1 bottle. Called Discover 6 times just today and I am told the merchant provider my name, address, but what about the delivery? Discover is sending me all in information to me by way of mail, they will not email to me. Per Discover today I found out this company has another name of " XXXX XXXX  '' with the same phone number as XXXX XXXX, if this isn't a scam I don't know what it! XXXX XXXX has a state of WY, but when calling the phone number provided it's XXXX and the people I have spoken with have really bad broken English so I know they are not within the US. I need help please I am being scammed and per Discover they choose to believe the scammer. Per my Discover statements you can see the credited me then posted the charge 4 months later. From the beginning If I decline a charge Discover had no right to accept the charge a few minutes later, this is bad business on Discover 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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 was trying to get a vehicle in my name when I recognize I had all of these items on my credit report 15, Section 1681 of the United States Code ( 15 U.S.C. 1681 ) is a part of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a bank with XXXX  XXXX XXXX since XXXX. Everything was fine until now. 
On XX/XX/XXXX, I received an email that said my phone number and email addresses got deleted from Zelle, which means I can not use Zelle with XXXX  XXXX XXXX anymore. 
I called to ask reason why and what happened, they said they do not see any flags or reports that happen to my account, it might be a mistake. They suggest me to call Zelle instead. So I called Zelle and ask the same question, but instead of helping me, Zelle customer service said they can not access to my account because I enrolled Zelle on XXXX  XXXX XXXX app, so they can not do anything. But they provided me the information that my phone number got restricted and they believed XXXX  XXXX XXXX did that. So I called XXXX  XXXX XXXX again, explain to them what Zelle said to me, and they keep saying that they are not controlled anything with Zelle, they can not unblock me or unrestricted me, only Zelle can do that. 
So I decided to open a new bank which is XXXX XXXX, and it still saying that I am not eligible for using Zelle. In this case, now I believe Zelle blocked my information but they do not accept that and refuse to give me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  credit account -XXXX  and Equifax inaccurate information payments etc. I filed several disputes to both credit bureaus failed to properly investigate and make accurate changes to my credit report.This has caused major damage on my credit approval on other loans and credit cards etc, that I could have been approved for. This account was closed and paid settlement as agreed.Statue of Limitations same source from all company 's should report the same accurate information to each credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I started receiving several emails about a Chime bank account being opened. I authorized no such thing, nor did I open a account at any time with Chime. When I called the customer service number the lady asked to verify my information but did not seem to care that I was trying to tell her that I never opened any account with them. She said the account was closed and it would be escalated, but she was not specific as to what that meant. I want my personal data information removed from their system. Someone got ahold of my personal data and opened a checking account and Chime was just ridiculous about giving the impression that this happens all the time and telling me no resolution aside from that they will escalate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, 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:
There are hard inquiries from several companies I do not recognize. 
Such as, 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 2023-11-29
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019, i was involved in a car accident. I was found not at fault. The car was a total loss being that all airbags deployed. The car is with credit acceptance. Myself and insurance have provided documents several times.

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 2023-09-25
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am rquesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. The three accounts below are listed as collections on my credit report : Midland Credit Management/XXXX XXXX Midland Credit Management/XXXX XXXX Midland Credit ManagementXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within four days from the date of receipt of this notice. I look forward to your response. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX, XXXX XXXX, XXXX XXXX ( the Scammer/Merchant/Fraudster ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX  account to Wells Fargo at the instructions of the scammers.

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 2023-11-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the multiple times I've mentioned being a victim of identity theft. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX {$4800.00} ; XXXX XXXXXX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A XXXX credit card was opened under my name/address, with a limit of {$800.00} dollars, without my knowledge. This happened around the beginning of XXXX, when I received a XXXX  letter in the mail, and saw an attached credit card. I havent called to cancel the card, seeing that it has to be activated in order to work. On XX/XX/XXXX, I received another letter from XXXX XXXX, implying that I applied for a credit card ( I definitely did not ), and it stated that they were unable to approve a XXXX XXXX XXXX XXXX, due to not being able to verify my social security number. Today, XX/XX/XXXX, I received a letter from XXXX XXXX, for of course another credit card opened without my consent. The limit on the card was {$250.00} dollars, and this card was ready to be used. I immediately called and canceled the card. Thankfully, no money has been taken from my accounts yet. Im extremely concerned, and want to stop whoever is applying to these credit cards without my consent.

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 2023-09-25
Company: DISCOVER BANK
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen when I was arrested for prison in XXXX to XXXX. The prison coordinators says the will mail my wallet to my address with my ID, social security, bank debit cards, business credit card, and debit card and my personal credit card all was in my wallet. I nerve received it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen when I was arrested for prison in XXXX to XXXX. The prison coordinators says the will mail my wallet to my address with my ID, social security, bank debit cards, business credit card, and debit card and my personal credit card all was in my wallet. I nerve received it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I am sending you a letter regarding the inaccurate and misleading information that I have found on my credit report. These inaccuracies that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-11-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XX/XX/XXXX I got a phone call from XXXX XXXX XXXX regarding a vehicle I wanted to look at. I went to XXXX XXXX XXXX after I got out of work. I have been in Social Security XXXX since XXXX. I suffer from XXXX, and XXXX XXXX  alone with several other XXXX. 

Once I got in the door, as no other customers were in there, all the salesmen jumped on me to but this vehicle. I went into a XXXX XXXX as well as XXXX flaring up. In other words, all of them on me was too much. The salesmen also said that I 'was there to but the car ', I argued that I only wanted to look at it. 

I signed many documents under severe pressure from the salesmen there. I didn't even know the cost until the papers were signed, except for the Loan Application, which I refused to sign as it had fraudulent financial information written into it. I have put on here, my actual income from SSA. While working, I had to repay SSA as I was drawing SSXXXXI. 

I was taken advantage of, and Wells Fargo Auto Finance should know that as I bank there regularly. I`ve had to repay SSA over {$10000.00}. Now I`m retiring after years of working as a XXXX XXXX XXXX XXXX. Also, I only worked at XXXX XXXX XXXX for XXXX month, not XXXX years, which was on the Loan Application that I did not sign. I didn`t see any of the sales paperwork until one full month after the sale.

I called Wells Fargo Auto Finance right after the sale, and the representative told me 'too late, you already have the loan ', so they would never have worked with me on the fraudulent deal.

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 2022-11-29
Company: World Acceptance Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Im not aware of where the debt came from, but I paid it off just to get it removed from my credit report, and theres been several changes made to the account but never Been removed like it was supposed to be. The dates arent even the same on one report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: GA
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:
I reached out to Equifax via certified mail to inform them that inquiries were on my credit report that I didn't authorize, and they released my personal credit information without my consent. Equifax responded by sending me a letter stating that inquiries are factual and will remain on my report for 2 years. I sent another letter to Equifax requesting proof that I authorized the release of my personal credit information to the unknown sources listed in the inquiry section of my credit report. Equifax responded by sending me an identical letter to the first one which leads me to believe that this incident was never investigated, and Equifax is sending out automated responses to consumers. 

The following unauthorized inquiries are listed on my Equifax 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 XXXXXXXX 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 2022-06-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, State of Michigan Child Support acct # XXXX, State of Michigan Child Support acct # XXXX, XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid a professional via PayPal but the service was not delivered, I want my refund. 
The professional asked me to send money as friend/ family via PayPal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: AZ
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 deleted 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 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 2022-06-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, State of Michigan Child Support acct # XXXX, State of Michigan Child Support acct # XXXX, XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX website shows that I only have XXXX active loans with a balance, the rest have a status of Paid in full/Discharged. However after multiple disputes through Experian, XXXX refuses to update the status of the other XXXX loans with the credit agency ( both Experian and XXXX ). My XXXX report shows the correct balances.

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