BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
VXXXX 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 following personal information is incorrect. Please remove it 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 2022-08-17
Company: Cascade CISS Holdings, LLC
State: GA
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:
From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: DISCOVER BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was trying to make payment to XXXX for a rental in the amount of {$10000.00}, and the transaction was declined initially on XX/XX/2023. Because I had terrible customer service experiences with this before, with another large purchase, I knew to call them immediately and ask for a daily spend limit increase. I was on the phone for 10 minutes verifying my information and getting them to increase the limit, they got off the phone and said try again in 5-10 minutes. I waited, and it didn't work. Agitated, I waited until the next day XX/XX/2023 before calling them again stating to the person that I'm not sure if you are familiar with the intricacies of doing a spending limit increase but please get me to someone who can increase it. A 29 minute phone call happened, and the transaction was still declined. I called them again with another 33 minute phone call and the transaction was still declined for " insufficient funds ''. I had even asked the representative jokingly if they had my $ XXXX liquid and was reassured that the bank is fine. I have now missed the rental due date for payment, and the rental transaction has been cancelled. This is not the first time I have had issues with this having to call them multiple times to get a few thousand dollars from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: MD
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 recently check my credit and notice that there are a few fraudulent accounts and inwuires on my credit file. I contacted the credit bureus on XX/XX/ with my concerns regarding these fraudulent accounts and they told me i need to get an FTC report and i did send it via certified mail and i still have not yet receive anything.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I can not have this on my credit. I understand that it is an abuse that there is still this incorrect information under my name. 

XXXX - XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-21
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-20
Company: Capio Partners, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My wife and I currently qualify to have our joint consolidation loan separated under a literal act of congress passed last year and we qualify for public service loan forgiveness ( PSLF ) as of several years ago. Our loans, under the law, should already be separated and forgiven. ( I fully understand that Department of Education ( DoE ) plans to have a fix by late next year which is not nearly soon enough. ) I had contacted my servicer ( Navient ) and they initially gave us three 2-month administrative forbearances while waiting for DoE to follow the law and separate or loans. Meanwhile DoE has provided some information indicating that we should contact the DoE Ombudsmen to let them know that we qualify and discuss a forbearance. See attached email and paragraph 7 of the web page at https : //studentaid.gov/XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the DoE Ombudsmen office previously and received a boilerplate reply that failed to address administrative forbearance while we wait for DoE to follow the law. I contacted Navient again recently to extend my forbearance and they indicated that they would not be providing administrative forbearance for people in our situation ( people like me who qualify for loan separation, etc. ). I am beyond frustrated that we worked so hard to get legislation passed and now Navient is ignoring the guidance from DoE regarding forbearance eligibility. I need help communicating the guidance at the above link to Navient and providing a path forward to a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: OneMain Finance Corporation
State: AL
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:
ACCOUNT NUMBER : XXXX I submitted a dispute to XXXX regarding OneMain Financial. The account is reporting Paid but also shows a charge off amount. OneMain sued me in court and received a judgment for the amount in XX/XX/XXXX for {$4300.00} plus other fees. They won that judgment and my income was garnished until the entire balance of XXXX, XXXX plus court costs. After all monies were pain, in XX/XX/XXXX OneMain sent me a letter stating that my account had been paid in full and stamped each individual page as paid on the contract. 
They never listed any other amounts owed. 
But, they are reporting to XXXX that my account is paid, but {$4300.00} was charged amount. This is the amount that was garnished. I have contacted OneMain and XXXX and asked them to correct their error but, as you can see by one of the attachment, XXXX is stating that they have contacted OneMain and the information listed on my credit report is correct. IT IS NOT CORRECT!!!! 
I take offense to the fact that these credit reporting agencies are not investigating the information that they are listing on credit reports without investigation. They are blindly taking the words of these companies. 

I WANT THIS CORRECTED IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: MN
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and I have not received any investigation reports. This creditor has reported a late payment my report which is incorrect, and I am asking this be deleted immediately. XXXX XXXX late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MA
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 mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. Also, they are still reporting outdated addresses which I've asked several times to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. Also, they are still reporting outdated addresses which I've asked several times to remove.

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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My credit report contains a Chapter XXXX Bankruptcy, which is unlawful according to the FCRA due to the fact that this is not public record. The court at which I filed bankruptcy does not report to the credit bureaus. The bankruptcy court at which I filed sent out a letter XX/XX/XXXX of 2020 stating that they do not report to any of the credit bureaus. The letter is attached to the documents that I provided. I have also attracted an affidavit of dispute

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 2023-12-04
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXXXXXX credit 's online system informed be that I had a payment scheduled. 

There was an error of some sort. 

Subsequently, XXXX  credit reported my account as delinquent.

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 2022-07-22
Company: WELLS FARGO & COMPANY
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:
Dear CFPB, I hav contacted Wells Fargo numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. Wells Fargo did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to Wells Fargo that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if Wells Fargo just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but Wells Fargo case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, XXXX, and XXXX look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from Wells Fargo dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission Affidavit has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2022-07-22
Company: Experian Information Solutions Inc.
State: OH
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 had my wallet stolen along with all of my identity and every since then someone has been applying for credit, I have a security freeze on my account and I currently have incorrect hard inquiries and addresses reported on my credit report ... I did not authorize any of the inquiries from, XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, from XXXX and also from XXXX XXXX XXXX on XX/XX/XXXX, from Experian...

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 2020-11-03
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I used my WesternUnion App to Transfer {$750.00} using the bank account option which the App states it can send faster and direct from my account to the person 's account. I had previously used the App in previous transfers but this was the first for the direct from bank option. Although it stated it was instant and secure, the recipient did not show money was in the account as WesternUnion stated. I cancelled the transaction on XX/XX/2020, thinking there was an issue as there had been delays with banks lately. My App showed the transaction was cancelled and I was to receive my {$750.00} refund within 7 business days. 

I later received an email on XX/XX/2020 from WesternUnion that they were cancelling and refunding me back my {$750.00} MTCN XXXX. After 7 business days I started calling and inquiring WestenUnion about not yet receiving my refund. I was told several times they were processing my refund and if I don't see it to contact my bank XXXX  XXXX XXXX. I contacted XXXX XXXX  XXXX and they stated they did not see it and sent me proof it was not received. I then contacted WesternUnion back and was told ok yes it is still being processed. By this time I had sent emails, XXXX messages and called about my refund. Each time I was told I would receive it. 
I finally filed a complaint with my bank and they denied it saying WesternUnion said it was a recurring charge which was not true. This was a one time transaction and should've been returned. XXXX XXXX XXXX is now stating there is nothing they can do and I have not been successful with WesternUnion to successfully receive my refund of {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit 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 have been having ongoing problems with my credit cards at Wells Fargo. Cards not being sent to right address, fraudulent charges, etc. 

This past XXXX and XXXX, my card was charged for XXXX at XXXX, and then XXXX for XXXX, XXXX, and XXXX. I have had no luck contacting any of the businesses due to " privacy concerns ''. I have filed a police report and have asked Wells Fargo to reopen the case.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
To whom this may concern, Please be advised that this is my 3rd WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly.

Look, I reported to police, Identity.theft and XXXX XXXX they investigate already. That the best I can do on my end. That the bottom line now Experian have to do their job to corrected the issues.. I had enough wasting my time writing this letter and EXPERIAN ignore when I have evident to prove my cases. 
The XXXX XXXX Police give me this number XXXX for all the Credit bureaus companies to call in anytime to check the report. PLEASE CALL THE XXXX XXXX  Police they wont provide me with actual police report in PDF form is their own city policy. This is what Police is for and your job is to call them to verify to correct your in accurate issue on my credit report. I also, reported to identity theft.gov. For everyone sake Please do you job correctly. 
Federal case law states that, XXXX XXXX Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

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