BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Tuesday, XX/XX/XXXX, I called my Loan provider XXXX to speak with a representative in regards to receiving a refund based on the recently enacted Cares Act. My refund was processed, however they would not give me a clear timeframe in which the refund would be posted back to my account. I asked the representative if they could also send me a confirmation request for the {$4000.00} refund and they said that they do not have any confirmation documentation that they can send me and that I just have to wait and continuously check my account to see if the balance was updated. After feeling uneasy about the situation, I called back again on XX/XX/XXXX to confirm that my refund was being requested, and the representative confirmed the request was placed. I asked again about a timeframe for the refund, and the new representative told me 150 days - up to a year. I asked them why it would take so long as other providers I've read are processing within 4-6 weeks and even within 2 weeks, in which they could not answer. I need the balance to be reinstated and a refund as soon as possible for forgiveness eligibility. After doing research on this loan provider, I heard that they were fined for misleading consumers and even received a letter in the mail about their latest data breach, which already makes me uneasy about this loan provider. I can not stand the contradicting answers from this company anymore. They couldn't even confirm the amount of my refund. All I want is clear answers and my refund to be posted to my account please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a vehicle from XXXX XXXX in XXXX XXXX on XX/XX/2022. During the rental period the battery had to be replaced. As agreed, I paid the {$75.00} when returning the car on XX/XX/XXXX. At the time there was no discovery or acknowledgement of any damage to the car. The invoice at the time showed only the {$75.00} battery charge. I paid the charge as evidenced by my signed receipt on XX/XX/2022 and returned to Florida. 

Three days later a charge appeared on my credit card for {$170.00} for supposed damage to the running board. A receipt was generated for {$170.00} without my signature or consent. There is no valid proof of any damage to the car from my use. 

I have been in correspondence with the credit card company to no avail. I sent them documentation of the altered invoice and charge. They have refused to acknowledge fraud first by saying it was too late for a complaint and then for a no refund claim by the company. 

Neither the credit card company nor the rental agency will answer my complaint. 

As back up, I forwarded the charge to the same credit card company for reimbursement through my rental card insurance and they have had no cooperation from XXXX XXXX. 

This is obvious victimization of a senior citizen both from the credit card company and XXXX XXXX. I plead to you for help! 

Credit Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : 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 2017-08-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Initiated a personal loan XXXX simple interest ). Was making extra payments toward principal. No payments were applied to principal. Was told it was not a simple interest loan, though I believed it was at signing of papers.

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 2022-09-12
Company: EQUIFAX, INC.
State: IL
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:
My credit report was misused. I went to apply for a car and my credit report was ran at least 12 to 13 times without my consent. My phone was also compromised and I've seen multiple inquiries that I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSWORLD SYSTEMS INC
State: NJ
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:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#8362****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Lockhart, Morris & Montgomery Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is continuing to report errors and inaccurate information on my credit Report from the collection agency LockHart Morris & Montgomery original creditor XXXX XXXX XXXX on three separate accounts. 

Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 

It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher LockHart Morris & Montgomery ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: DE
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 called the companies THAT LIST PHONE NUMBER ON EXPERIAN SITE several times and they put me on hold, and do not come back and refuse to delete the unauthorized inquiries and Experian wont allowed any disputes of inquiries online. 

These listed companies have obtained my report from Experian without my authorization. 

XXXX by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX by 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 2021-10-28
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: Information belongs to someone else

Complaint:
There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: NY
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 XX/XX/2021, I sent Experian a followup letter regarding a previous letter from XX/XX/2021 and XX/XX/2021, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX XXXX which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/2021 that has not been addressed neither by the credit bureau Experian nor the credit, XXXX XXXX XXXX  The investigation took way longer then 30 days and they never sent anything to my email as they claimed the emails were bouncing back which I doubt as this has been my correct email address for many years. They are both in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and 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 2022-09-12
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Account status incorrect

Complaint:
As I reviewed my recent report, I have found some erroneous information 's reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: ERC
State: NJ
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:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX***

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
On XX/XX/21, I was shopping at Victorias Secret and the associate tried to talk me into applying for a VS credit card. I said NO, because I did not want another hard inquiry on my bureau. She told me it was only a soft inquiry. When I went to check out, I asked a second associate to confirm that the credit pull was soft vs. hard. She also confirmed it was soft. I said IF that was the case I would apply. No application was presented to me prior to applying ; therefore, there werent even terms and conditions to review, which would typically state something about the credit inquiry. They took my drivers license and opened the account. No signature required. The next day I received an alert from XXXX that they DID perform a hard pull. I am absolutely LIVID!!! Basically, I was mislead into opening the account. The account was opened with Comenity bank/Victorias Secret. Based on the misinformation provided and lack of authorization to pull hard inquiry, I want this inquiry changed to soft or completely removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2017-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is incorrectly reporting my debt-to-credit ratio as shown in the uploaded document, Equifax shows my mortgage loan as part of the credit utilization at 94 % - original mortgage {$190000.00} with a balance of {$170000.00}, The company is also treating the installment auto loan the same with a utilization at 81 % from the original loan versus the balance. The other agencies are correctly reporting and have always reported the debt usage of my revolving credit, which is 5 %. The combined reporting is an average utilization of 71 %! Recently, Equifax reported " high balances '' versus available credit to creditors causing me to be declined credit with an XXXX credit score. For the dispute, Equifax simply re-confirmed the " high balances '' with the mortgage holder and auto loan lender. Thank you for your assistance,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX ) sent me a zelle transfer of {$2500.00} for a debt to my XXXX XXXX account. She later called her bank and reported the transfer as fraud in order to stop the payment. As a result, Zelle deactivated my accountXXXX XXXX XXXX closed my account and I can not access my funds. XXXX XXXX falsely reported fraud to her bank to stop the payment of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello! Please I would like to report Bank Of America. I had deposited XXXX dollars into their checking account on XX/XX/2021. Before XX/XX/2021 I was able to make purchase freely now I can only make a purchase with " XXXX '' only. I should be able to make a purchase for any merchant I please with my money. I also experienced difficulty accessing my account to check my balance. Late in the night I had to enter a code to get access. I requested the automotive service to contact me and the automotive voice did not work and I was unable to access the account. Also I receive an email stating that my balance was XXXX when I only used an estimate of XXXX XXXX dollars, after using the XXXX XXXX dollars I was able to purchase more items but the purchase could only be made at XXXX. I was blocked from making purchases from XXXX, XXXX XXXX, XXXX, and XXXX. Please investigate this matter I should be able to make purchases with any merchant. PS : Its Bank Of America in General

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 2022-09-12
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XXXX XXXX XXXX XXXX Account Number XXXX CFPB COMPLAINT XXXX TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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: Information belongs to someone else

Complaint:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: SQUARETWO FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On  XXXX / XXXX / XXXX , I received a summons fro m my county  from CACH , LLC that was filed against me to repay a loan for the amount of {$140000.00} that was received from   XXXX   XXXX   XXXX   , Inc . The summons identified me as the president of a business. My identity was used, without my knowledge or permission, to obtain this loan through an unidentified third-party broker.    XXXX   XXXX   XXXX   XXXX    and CACH , LLC neglected to verify my identity by any reasonable means or confirm the validity of documentation submitted in my name. On  XXXX / XXXX / XXXX , the aforementioned loan company disbursed the proceeds from the loan, by wire, into a  XXXX   XXXX  business checking account that was also opened in my name without my knowledge or permission. Within 3 days, without imposing reasonable security restrictions,    XXXX   XXXX   XXXX    team member  ( s  ) allowed two parties to withdraw more than {$98000.00} of the proceeds from the loan that I was held liable for.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have 2 separate incidents. Both involving Experian. 1st incident I applied for a credit card and was denied. On the denial form the credit card company stated that they used my Experian credit score to make their decision, and the credit score they were provided by Experian was an inaccurate experian credit score. The score they provided was a XXXX and listed as my Experian credit score, which was actually a XXXX, so they reported a inaccurate credit score XXXX less than my true experian credit score. They provided a lower inaccurate credit score and that lower score caused me to be denied credit from capital one.Then the 2nd incident I applied for a auto refinance and was denied. The reason for denial was that they said I had a credit freeze, which is not true. So now I'm stuck with 2 hard inquiries. Also on the auto refinance the website states there wouldn't be a hard inquiry since they just needed basic info to connect me to a lender, yet they did a hard inquiry anyways. I would've never submitted my info if I knew they would do a hard inquiry. On my credit report that inquiry that i did not approve is listed as XXXX. The other incident is listed as XXXX XXXX on my credit report. I contacted experian and told them the information they provided to XXXX  XXXX was inaccurate which resulted in me being denied credit.

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