BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: FISERV INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On or about XX/XX/XXXX I noticed that my account was very low. When I checked my account statement, there were XXXX  transactions from places I had never shopped which occurred while I was at work. On XX/XX/XXXX, XXXX transaction for {$100.00} and another for {$400.00} about XXXX minute apart from each other at XXXX in XXXX, TX. Also on XXXX, XXXX transactions were from XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX were about XXXX minute apart. The transactions were {$990.00}, {$990.00} and another for {$990.00}. The last transaction was on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, TX for {$500.00}. I've never been to these places. I called Money Network when I noticed the charges ( XX/XX/XXXX ) and they canceled it and issued a new card but did not refund the money. I disputed the transactions with Money Network on XX/XX/XXXX but they denied my dispute so I appealed the denial on XX/XX/XXXX which they also denied. They have no email address and the phone number leads to a call center in XXXX. Money Network have been of no help. The debit card was in my possession at all times and no one else knows my PIN. Money Network is the debit card that I received from my workplace for direct deposit of my income. I have no idea how these transactions occurred.

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 2023-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used Credit Collection Services, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and Credit Collection Services has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-30
Company: Genesis FS Card Services, Inc.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I didn't make the transaction on the card. Going through identity theft. So you close my account and left me with the bill, which is effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM 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 2023-12-27
Company: SYNCHRONY FINANCIAL
State: VA
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:
2 year argument with Sams Club/Synchrony credit I paid them in full back in APR XXXX 
Filed complaint in XX/XX/XXXX with CFPB Sams Club reduced amount owed from {$20000.00} to {$10000.00} Still incorrect. THey have noted delinquent remarks on my credit report which have prevented me from getting colege loans for my kids, home equity loans from XXXX XXXX and Auto loans from XXXX. 
Please help me get them to acknowledge their accounting was in error back in XXXX XXXX and they have been double billing me ever since. 
In the alternative, shouldn't they have to prove something in Court if they say I owe them money?

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: EQUIFAX, INC.
State: AR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In my previous letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : 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 2024-01-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recieved a letter from Wells Fargo saying I was enrolled in a credit defense program and I may not have authorized it. I called the number saying that Id never sign up for anything like that and they offered a refund of the amount I had paid each month and asked if that was ok. I responded saying Im not sure because it was so long ago and wasnt sure exactly what the impact was. They immediately offered a higher number of {$250.00} which I agreed to. They told me Id receive the check in the mail within 30 days and if I didnt to call the number back. That was XX/XX/XXXX. I called last week because I had not recieved anything and they told me it should be in within the week, if not call back. I called today and they told me it has not been processed and when I asked how long they said they didnt know, nor could they give me a time frame in which to follow up again. They told me Id have that money by today and now I cant even plan a later date because they cant give it to me. Since this was promised by a bank I thought Id be able to trust it and now its set me back on my finances.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: PA
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:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing this letter because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please evaluate the following accounts : XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$0.00}. In accordance with the Fair Credit reporting Act, I am requesting that you correct m Credit File by correctin and or removing these erroneous information from my Credit File as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After speaking with numerous customer service representatives in the dispute department at Experian, my home address still is inaccurate online. However, each time a report is mailed to me it shows an accurate home address. Since XX/XX/2023, my full home address and full name has been changed or updated incorrectly. When a third-part credit reporting entity does a soft pull or runs my credit report, my information pops-up partially, outdated, or totally incorrectly. This has caused adverse decisions when applying for loans and other monetary things that require personal identification verification from Experian and XXXX. For example, I was denied a credit card from XXXXXXXX XXXX, because they could not verify who I am with the personal information on my consumer credit report from Experian and XXXX as well. Currently online, my apartment number XXXX is missing in the personal information section on my Experian consumer credit report. A copy of my driver 's license and social security card was sent to verify my full home address with the apartment number, and the spelling of my middle name in XX/XX/2023.

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 2023-02-23
Company: CCS Financial Services, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already tried disputing this charge with the company and I have filed a complaint with CFPB. CFPB closed the case stating the company does not recognize their customer. I'm attaching an image of my XXXX XXXX account that is showing this account in collections. I suspect Credit Collection Services has bad practices. If they do not recognize me, then could they remove the debt? This company is causing me inconvenience and hurting my credit score.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Paramount GR Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XXXX XXXX I entered a loan agreement from what was at the time called LoanPal ( now called Good Leap ) for solar panels from XXXX XXXX XXXX. Basically, the two and half years that we have had these solar panels, they have not worked properly for more than ta total of three weeks. We had an extremely difficult time with the Solar Company in attempting to get the problem resolved. Last year in XXXX and XXXX, we were finally put in touch with someone from the solar company who helped us reach a resolution. The company fixed our solar system and reimbursed us for the payments we had made during the time the system was not working. We thought this was the end of our problems. However, less than a month later, the solar system stopped working and our control panel kept displaying an error code. When we contacted XXXX XXXX XXXX, they directed us to XXXX because they stated that the problem was with the XXXX XXXX. We have not been able to get anyone with XXXX to help us. Since that time XXXX XXXX XXXX has closed down and filed for bankruptcy. There is also a class action lawsuit against XXXX. We do not feel we should have to pay our payments on a faulty system that does not work. We have contact the loan company, Goad Leap, who refuses to hear our concerns or address them. We have tried to stop making payments but they have threatened to report us to a credit agency. I have made a claim with our state Attorney General who has given us information to fill a claim with the bankruptcy case of XXXX XXXX XXXX. Basically, I feel this loan agency should assist us in finding someone to help fix this solar system or relieve us of the payments since this solar company obviously made fictitious claims and sold faulty systems that do not work. Also, there are thousands of other customers who are in the same position as my family with these faulty solar systems and loan agencies refusing to offer any solutions or relief. I am in a XXXX group dedicated to victims of XXXX XXXX XXXX, so I know there are many victims of this fraudulent company. Also, many victims of this state that Good Leap is refusing to send them their loan documents.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation