BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I helped my son use his XXXX XXXX gift card to purchase a guitar online. 
The item was paid for, in full, with the gift card. 
Since I was not the individual who gave my son the card, and was therefore unsure of exactly how much money was on the card, I called XXXX XXXX directly after purchase, ( XX/XX/2020, at approximately XXXX XXXX  EST ) to clarify the amount available on the gift card & to make sure the purchase had gone through. I was told the gift card transaction was viable, and that the item would be shipped in 2 days. Please refer to voice recording of this call. 
I received an email on XX/XX/XXXX signifying my order was ready for pick-up at the store. 
I went into the store located at XXXX XXXX XXXX XXXX, XXXX SC, and picked up the order. The clerk told me the receipt for the order was in the box, that it was fully paid for. There was no receipt. 
On XX/XX/XXXX, I was contacted by XXXX XXXX resolution center, indicating there was a discrepancy in the collection of the guitar balance- that I owed the {$540.00} paid in full by the gift card. 
I worked for weeks trying to resolve this issue with XXXX XXXX, to no avail. 
I sent copies of : -online receipt -pick-up confirmation -order details, all documentation indicating the order had been paid in full. XXXX XXXX sent me a blank invoice statement, without my name or order number, as proof that the money had yet to be collected. XXXX XXXX representatives gave me the name and number of their Point of Sale provider, who I also tried to contact in an attempt to resolve the problem. I was only told there was a remaining balance left on the card. 
XXXX, XXXX I am turned over to a Collections Agency . I call and communicate with the CA in a transparent, goodwill attempt to finally resolve issue.

Collections Agency continues to pursue " debt '' though I have incurred NO DEBT and have sent the agency receipts and dispute letter. I am filing this complaint in an effort to safeguard my credit report and score. The agency should not continue to try and erroneously collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AR
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 am writing to express my ongoing frustration and concern regarding inaccurate items that persist on my credit report despite multiple attempts to have them removed. These inaccuracies are adversely affecting my creditworthiness and financial well-being, and it is imperative that they be rectified as soon as possible. 


I have previously contacted your bureau on [ mention the dates and methods of previous disputes ] to dispute these inaccuracies, but they remain on my credit report. I have enclosed copies of my previous dispute letters for your reference. 

I kindly request that you initiate a thorough reexamination of these inaccuracies and promptly correct my credit report to reflect accurate information. The Fair Credit Reporting Act ( FCRA ) mandates that consumer credit reports must be precise and up-to-date, and these inaccuracies are clear violations of this regulation. 

Enclosed with this letter, you will find copies of the following documents : Previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with creditors, or any relevant documentation. 
I expect to receive a written response within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracies, and a revised copy of my credit report reflecting these changes. 

Furthermore, it is your responsibility to notify the creditors associated with these inaccuracies about the dispute and provide them with the necessary documentation, as per federal law. I am asking for your immediate assistance to remove these unaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Nelnet, 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 status incorrect

Complaint:
I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loa

ns being forgiven. I logged into
my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
signed up for apple card ( goldman sachs ), took one week for a " fraud '' check and was offered a card. Once accepted they said they would then hard pull the credit, I accepted the card. That was XX/XX/XXXX, since then the account is locked, they did a hard pull on the credit so my report shows it and went down a few points. Since its locked I called and chatted many times I lost track and keep being told its under fraud review. 21 days to review after they hit my credit report! I got a top secret clearance faster!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: SYNCHRONY FINANCIAL
State: MS
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 ordered three items from a merchant from a XXXX add called, XXXX XXXX XXXX, XXXX in the amount of {$180.00} on XX/XX/2021. I never did receive a order number or a tracking number. I went to the website and I sent a request for it thorough the website " contact '' page. I received a email back form them, that said, " They had no record of an order by me ''. I sent them copy of receipt and invoice number as well as transaction number receipt, but they still insisted I " did not order anything form them ''. They said I was " duped '' and " scammed '' by a fake website in " XXXX '', ( see attachments ). So I called " synchrony bank '' ( who owns my paypal credit account ), and they said that they would credit my account, but it has not happened. I should not have to pay for an item I have not received or scammed. I received three emails from the merchant ( see attachments ), that says " I was " scammed '.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie EXXXX XXXX XXXXXXXX, Address XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry 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 2023-07-28
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information 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 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My ex husband and I had a joint account that was supposedly been offset and closed. Ive been inside XXXX, Tn Regions branch to get my name taken off the account apparently the teller did not do his job. Ive also called numerous of times for my name to be taken off the account and closed. However, my ex husband whom is supposedly banked with Regions as well have a few things coming from the account that he did not stop so according to Regions since it is a joint account and with my name on it the will take the money from my new account since it is active and available instead of the person they clearly see who fault it is. This is the first time that it happened which was XXXX XXXX in the amount of {$190.00}. I spoke with several people about this issue they all gave me the same excuse, nothing can be done. As of today, XX/XX/2022 the same issue arise there was amount of {$57.00} taken from my account due to my ex husband issues as stated before. The account apparently was reopen because of my ex husband mistakenly depositing {$30.00} into the wrong account. The joint account was offset for at least a month before this issue. There was also another fee on XX/XX/2022 in the amount of {$170.00} that was taken out of my account from Regions that I was unaware of. I have been banking with Regions for awhile now and I am very disappointed in the lack of concern they have shown. The entire situation is unfair and disheartening to the point were I no longer want to bank with Regions.

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 2021-07-26
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: Was not notified of investigation status or results

Complaint:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX/XXXX  XX/XX/XXXX ) ( XXXX/XXXX  XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reportin

g Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-07-26
Company: EQUIFAX, INC.
State: VA
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 am not able to access my credit files. The three bureaus have told me that my information does not match the information on file. I can not get anyone on the phone, and when I call, none of the prompts are what I need to access my files. When I try to make accounts on the websites, I am not able to do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: FL
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 have SPAM in my credit report, its like corona nowadays ... .... there are inquiries that are appeared from nowhere and I just think how that possible? I can not understand what to do now, but they ae spam and fraud and I can not have them as its not fair. Please apply control and delete them because its identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: CT
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:
This complaint is against XXXX XXXX  in reference to CFPB complaint # XXXX-XXXX. 

XXXX XXXX  's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX Experian, on XX/XX/XXXX Current Status of XXXX account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Active '' Status of : XX/XX/XXXX I contacted XXXX  via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX  's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX  's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.

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 2021-07-26
Company: GOLDMAN SACHS BANK USA
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft GS BANK Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: TX
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:
THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 

After formal letters and calls to the three credit reporting agencies of XXXX, Equifax and XXXX  they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation