BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has responded to complaints that I have filed with CFPB in which they have admitted on three occasions that there were fraudulent charges to my account .These charges led to fees and charges to the account by XXXX XXXX. XXXX XXXX has never mentioned the legitimate charge for which I paid XXXX  XXXX and then the product I purchased arrived broken and I returned the product and the vendor credited my account leaving the account with a credit balance which XXXX XXXX owes me. Documentation supporting my position was mailed to XXXX XXXX Customer Advocacy Office however XXXX  XXXX has never acknowledged the documentation. XXXX XXXX has erroneously reported my account as being delinquent thus destroying my credit report.

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 2021-06-03
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has responded to complaints that I have filed with CFPB in which they have admitted on three occasions that there were fraudulent charges to my account .These charges led to fees and charges to the account by XXXX XXXX. XXXX XXXX has never mentioned the legitimate charge for which I paid XXXX  XXXX and then the product I purchased arrived broken and I returned the product and the vendor credited my account leaving the account with a credit balance which XXXX XXXX owes me. Documentation supporting my position was mailed to XXXX XXXX Customer Advocacy Office however XXXX  XXXX has never acknowledged the documentation. XXXX XXXX has erroneously reported my account as being delinquent thus destroying my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Experian Information Solutions 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:
Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX  XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX  by there claim on XX/XX/XXXX in which my documents all show XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made TransUnion aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source ( XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXX XXXX. However Transunion has a duty to conduct a real investigation outside of the original source. As a result of TransUnions Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.

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 2019-08-04
Company: EQUIFAX, INC.
State: TX
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 have hard inquiries on my credit report that don't suppose to be there but XXXX not trying to work with me or Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed these two accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on the XXXX of XXXX i sent letters to all three credit bureaus ( XXXX, XXXX  and transunion  ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus ( trans union XXXX XXXX XXXX XXXX ) that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.

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 2017-08-25
Company: National Credit Systems,Inc.
State: FL
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:
I have requested that this creditor provide VALIDATION of the account they are attempting to collect on, and they have not done so. I requested on XX/XX/2017 and I have not recieved any correspondence as of yet. It has been approximately 63 days. The collection amount is listed on my credit monitoring site for {$5500.00}, and I was never made aware of such debt in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: SYNCHRONY FINANCIAL
State: TX
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:
SynchronyBank has sold this account with my name attached, to three debt collectors in the last 2 years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.

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 2020-02-15
Company: Experian Information Solutions Inc.
State: VA
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:
Experian has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made Experian aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source XXXX XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXXXXXX XXXX However Experian has a duty to conduct a real investigation outside of the original source. As a result of Experians Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My situation involves a time barred debt held by Cavalry Collection agency which I am being sued over. I found out about the lawsuit because I received a solicitation from an attorney explain that they could help me in the lawsuit. I had no idea there even was a lawsuit. What there was were numerous disputes from my behalf against Cavalry collection agency, all of which have been ignored and or responded yo not with the itemized charging documents or other original paperwork tied to the account as the FDCPA outlines, but rather with bills for their agency. 
The debt is old. Past the state statute of limitations. The moment I got wind of the lawsuit, I called the attorney of record for Cavalry : XXXX XXXX XXXX | Attorney at Law ( Admitted in Michigan ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX I explained that the debt was past the state statute of limitations and she informed me that a payment was received in 2016 of {$20.00} dollars that restarted the statute of limitations. When I asked where the payment had come from and who had made it against the account, she replied that she did not have the information and that it didn't matter who made it. The " payment '' reset the statute. I was then informed that Cavalry was suing me for {$2000.00} dollars but if I paid {$1000.00} they would remove the debt from me and not continue with their lawsuit. I find this all preposterous and highly dubious. Very convenient that a phantom payment was recorded by an unknown individual that " doesn't matter '' which reset the statute of limitations just when it was about to age off. 
I also find it highly suspicious that while I disputed the collection numerous times, Cavalry has chosen never once to comply with the FDCPA laws and provide tangible documentation on the debt. I suppose that doesn't matter as well. 

I do not have an attorney yet, but am asking this agency to step in and mediate the matter to make sure that my rights are not being violated under federal law. Furthermore I request that my original request for validation be noted for the record as well as that cavalry filed a lawsuit against me without proper notification never once having answered by disputes. I had to find out through a solicitation from an attorney who monitors court filings of their legal action. Completely shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not my responsibility. I'm not even under any obligation to do anything. I've already contested this account, and you haven't shown any evidence that it belongs to me. It's not my creation. This is deceptive and could harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My care credit account was charged for the wrong amount by my dentist. I disputed this amount and was advised by Care credit this will be credited. I called and spoke with several agents however I kept getting told this will be credited and the issue resolved. Care credit also enrolled me into one of their insurance plans where by they would make my payments if I was XXXX or became unemployed. It so happened I did become XXXX and later unemployed and provided all documents requested by care credit .I was getting charged a monthly fee for having this insurance to pay for my care credit account while I was XXXX and unemployed. Care credit did not pay a single penny towards my bill and the dispute was never resolved. Everytime I would call I would be told the account will be reviewed and no one would take ownership. Finally they sent my account to collections and I disputed the collections account too. The different companies my account went to never sent me any correspondence. I was able to obtain all this infor from Care credit after calling several times. Finally this account was sent over to XXXX XXXX XXXX XXXX XXXX and I requested a validation of debt letter. Till today this company has not provided that and has threatened me several tme that they will sue me and will make sure I lose my JOB. They served a letter to a XXXX person where I get mail and this letter was open. employees at the XXXX  store knew what the content of the letter was as well as it was handed over to them. I have called Care credit again and again and now keep getting told care credit has changed names and I am not able to obtain any information from then. I have to call the attorneys office who the debt was sold to. Care Credit sold this debt to a 3rd party and now I am been told by XXXX XXXX XXXX XXXX XXXX since they purchased this debt they are not obligated to provide a debt validation neither can I dispute this debt at all. XXXX XXXX XXXX XXXX XXXX advised me they will sue me unless I paid {$500.00} upfront and pay the balance in a lump sum. I am been charged for a debt that I do not owe nor can this debt be validated by Care credit or 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 explanation
Consumer complaint received 2018-10-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email today from Wells Fargo thanking me for opening a business account. I did not open the account. I am concerned because I know that Wells Fargo has a history of doing this. I called and spoke to 2 people over 30 minutes and they could not help me. I was told they would refer this to the Business Case Management Team.

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 2022-09-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022, I was the victim of fraud. I transferred {$20000.00} from my XXXX XXXX account to an account at Navy Federal Credit Union. 

I recalled the transfer the next day, but Navy Federal refused to reverse it. I filed a complaint with CFPB about this. 

In XXXX, they informed XXXX XXXX that the funds could be returned. I signed a letter of indemnity with XXXX XXXX to receive the funds. 

Yesterday, Navy Federal finally completed the transfer recall. But they only returned {$3500.00}, or about 17 % of the total that was taken from me. The rest is a " fee '' according to the communication from XXXX XXXX. A {$17000.00} fee held by Navy Federal. 

I contacted XXXX XXXX, and they said they've done all they can and had no further explanation from Navy Federal. When I contacted Navy Federal, they said I'm not a customer of theirs, and they could not share information about their other customers ( the person who defrauded me ). 

I want to get the rest of my money back. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: CO
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:
For 11 months, I've been attempting to get Experian to correctly show an account which was paid in settlement. Additionally, I've had numerous problems submitting disputes and not getting issues resolved. 

Most recently, I've submitted now two disputes with Experian for a debt that was settled in XXXX of XXXX that as of XX/XX/XXXX, they began to report on my credit report was a " late payment '' This has harmed my ability to get credit and hurt my credit score. 

The account, a former XXXX XXXX credit card shows an open balance of over {$2900.00} which a debt collector, XXXX XXXX XXXX, acknowledged was settled last year. 

This has been brought to Experian 's attention numerous times with no corrected update made.

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