BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: KY
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2021-04-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company involved closed my account on XX/XX/2021. Had a {$9000.00} credit limit in good standing. No late or missed payments, always paid on time and was paid off early. Could not get an honest answer from anyone. Asked for supervisor and all he said was my account was closed because of past credit problems. Now my credit score dropped 27 points.I originally got this card to help with my credit and it had but now my score is lower than what it was before even having this card.Why was I approved in the first place if it was because of past credit issues and then close account and tell me it was because of past issues. Doesn't make any sense. Now as I stated my score dropped 27 points. My girlfriend is also on this account and her score only dropped 2-4 points. All the supervisor told me was that they can close an account at their discretion at any time and he hung up on me after having to call them back 3 times because of being on hold for over 16 mins. I realize my score will drop after a closed account but 27 points. They told me there were certain standards that they go by but when I asked them they couldn't or wouldn't tell me what they where.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: WAKEFIELD & ASSOCIATES, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the course of a few years I have contacted Wakefield And Associates about two debts ( {$2000.00} and {$1300.00} ) from the same day and company that are not mine. They refuse to to send me any information about the debt except to say it was for medical fees and from a company called XXXX XXXX XXXX but would not give me any way to contact them or identify which XXXX XXXX  XXXX is was because there are dozens of companies with that name. They admitted they had an improper address on file and changed the address but still would not send me any information or validation of the debt. I have requested it three times over the course of 3 years and most recently 60 days ago. They also keep updating the date of the debt despite no changes to make it appear more current and have more impact on my credit report. Wakefield and Associates also used the new address I gave them to request a letter of validation to validate the debt to my dispute with the credit agencies ( even though that's not possible since I only recently moved to that address )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello ; this is strange! I was applying for some random accounts and noticed that is a collection flagged into my account which I was never notified and mailed me a letter about. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
The Department of Education sent me a email in XX/XX/2023 stating that my student loans were being discharged due to a borrower defense application. The loan service ( Dept of EDXXXX XXXX ) processed my loan discharge on XX/XX/2023. I contacted XXXX on XX/XX/2023, and they confirmed that the loan was discharged and that they sent letters to all 3 credit agencies ( Experian, XXXX and XXXX ) on XX/XX/2023 informing them of this discharge, so that they could remove it from my credit report. All three agencies failed to do so. After confirming that the loan was definitely discharged by XXXX on XX/XX/2023, I contacted all three agencies and disputed the debt online and provided them with the email letter from the department of education that stated the loan was discharged. All three agencies have responded back in a mater of days stating that they " investigated '' the matter and that the debt was " accurate '', when in fact, it is not and needs to be deleted 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 2023-08-19
Company: EQUIFAX, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX .... Balance : - XXXXXXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$530.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX .... Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10
Company: CITIBANK, N.A.
State: NC
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:
Hello!, I have been charged by merchant XXXX on my Citi card on XX/XX/XXXX. I didn't authorize those charges. When I came to know about the charges, I called XXXX and asked them to reverse the charges. They didn't do it and said these sales are final. Then I contacted Citi in XX/XX/XXXX of this year for these charges. After a few days, They closed the case. I have contacted them several times and every time I call Citi I talk to them for a couple of hours and they tell me that they will call me back or transfer me to the irrelevant department. Sometimes they hang up the phone. Like they did today. The charges were for {$200.00} and that is XXXX times, that makes it {$400.00}. It is extremely difficult after XXXX months to get my money back.

I need your help in sorting this matter urgently.

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 2021-04-03
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I DISCOVERED ON MY CREDIT REPORT THAT THERE WAS A COLLECTION ENTRY FOR COLLECTIONS FOR I GUESS INSURANCE FROM XXXX XXXX. I HAVE INSURANCE FOR THE PAST 4 YEARS FOR MY AUTO AND HOME AS WELL AS LIFE INSURANCE THRU XXXX XXXX. I CONTACTED XXXX XXXX AND THE COLLECTION AGENCY TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT BUT TO NO AVAIL NOTHING HAS HAPPENED ALL THEY WANT ME TO DO IS PAY THEM THE MONEY. THIS NEEDS TO BE REMOVED IMMEDIATELY AS THIS WAS NOT APPROVED BY ME. I DID NOT AUTHORIZE THIS INSURANCE COMPANY TO INSURE VEHICLES THAT ALREADY HAVE INSURANCE ON IT. THIS IS FRAUDULENT. I HAVE ATTACHED A POLICE REPORT AND FTC AFFIDAVIT

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection on my credit report apparently from XX/XX/2013 which I was not aware of. I lived in an apartment complex gave a 30 day written notice and verbal notice a few times, then moved out before the lease was up. I saw on the credit report there was a collection charge in my account in XX/XX/2013 I disputed it and moved on with my life. I didnt hear anything about the dispute thought it was taken care of. Now when I'm trying to love again the same collection is still on my credit report. I called and spoke with a guy there he claims I owe more money then what was or has been reported for the last 7 years. I told him i disputed it on the credit yesterday and years ago. I even told him 2 people where on the lease at the time. He tells me that only 1 person signed the lease and that the other person only signed the application which isnt true. I dont see how I can dispute something years ago and apparently they didnt respond to me disputing again and tell them and now they respond years later and then change the amount. This isnt fair and isnt that illegal after 7 years to all of a sudden change the amount when I confront them about it. Even though I dont owe anything I even offered to settle for XXXX and I want a letter saying this issue has been resolved asap. He said he would forward to his client the apartment complex which I talked with yesterday and they are looking into the matter as well even though they're the new company coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill from XXXX XXXX XXXX around XX/XX/XXXX for {$320.00}. I immediately called and disputed the validity of the bill. My insurance had already paid the hospital {$5300.00} for my medical care at time of visit ( XX/XX/XXXX ). I also informed them that they filed the XXXX   claim under the wrong SSN which was an indicator to me I was billed erroneously for service not received. I was not contacted again until XX/XX/XXXX when Eastern Account System sent me a debt collection notice. I responded to the office via phone and letter within the 30 day allotted time disputing the validity of the debt and the services. I received an alert from XXXX that a collection was placed on my credit report dated XX/XX/XXXX. This medical collection is less than 180 days old and should not be on my credit report in accordance with the National Consumer Assistance Plan 's initiative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
[ If this section has lost its formatting, please see the file " XXXX. Amex - XXXX to XXXX '' ] American Express has acquiesced, 3 times to : XXXX. Violation of US Code 1601 ( transparency with credit transactions ) XXXX. Consumer fraud, XXXX. Contract fraud, XXXX. XXXX fraud, and XXXX Credit card fraud Here is the context : I sent XXXX letters to the American Express XXXX XXXX requesting transparency with my credit transactions. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX His XXXX assistant XXXX XXXX responded to my request for transparency by assuring me Amex complies with all regulatory agencies and I must pay my bills as per the Cardmember Agreement. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX assistant XXXX XXXX XXXX responded to XXXX XXXX letter by asking them to respond via affidavit, under penalty of perjury, to each of my questions. I offered 21 days from the date of receipt to respond, making it clear failure to respond is acquiescence to those XXXX things listed above. I also offered the opportunity to request an extension, should they need it. 

I received no response. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX I sent XXXX XXXX, XXXX a similar letter with identical questions, as well as a copy of my letter to XXXX XXXX. I extended him the same 21 days from the date of receipt to respond via affidavit under penalty of perjury. I made it clear that failure to respond is acquiescence to those XXXX things listed above. I also offered him the opportunity to request an extension, should he need it. 

I received no response. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX I sent XXXX XXXX, XXXX a copy of my previous letter, as well as another copy of my letter to XXXX XXXX. This time, I extended him XXXX business days to respond via affidavit, under penalty of perjury. I made it clear that a lack of response would be construed as XXXX XXXX time acquiescing to the XXXX things listed above. 

XXXX XXXX, XXXX response : I received a letter from XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/2023. His letter simply stated Amex complies with all regulatory agencies and that I must pay my bills on time as per the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: EQUIFAX, INC.
State: OH
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:
With Equifax, I have submitted the court documents of the identity theft I have been dealing with regarding a XXXX Credit Card, XXXX XXXX, XXXX XXXX and a debt collector account. After the documents were submitted they stated that the debt is mine and refuse to remove it from my credit report. XXXX has removed the accounts, and it has now gotten to the point where I can not get student aid due to the credit reports. I 'have called Equifax multiple times with no avail and filed multiple reports with the same answer over and over. I am just hoping someone can help because I have gone through the police and the courts, but what will satisfy this company to fix my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: BARCLAYS BANK DELAWARE
State: HI
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:
On XX/XX/2022 a person with the same name as me, purchased 15 pairs of slippers from XXXX XXXX. This person used my XXXX account. I saw the activity and called my credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The card was cancelled. However, the credit card company says I am responsible for the 3 transactions of {$130.00} that occurred on my account. XXXX says, because I called the bank before them, that they are not responsible.? The bank says the activity is valid based on documentation provided by the merchant ( XXXX XXXX ) I have written the bank ( Barclays ) several times for a copy of this documentation. They do not respond. I have written XXXX to show them the 15 pairs of shoes were sent to a XXXX XXXX in XXXX Florida using XXXX XXXX. I live in Hawaii and XXXX XXXX does not deliver to my address. XXXX screwed up. Under XXXX screwed up and my bank will not reimburse me for these charges totaling {$400.00}. 
I never ordered nor received 15 pairs of mens slippers from XXXX XXXX using my XXXX account. 
The bank refuses to provide the documentation they say they have to prove their case. Thank you for your consideration of this fraud.

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 2020-09-27
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: Their investigation did not fix an error on your report

Complaint:
I have been in contact with Equifax for the past 2 months about this same issue with this bankruptcy reporting on my report. I have pointed out many things wrong with this entry they have on my report. I sent in a request for this to be investigated in XXXX and in XXXX. Nothing has changed. When I look at the listing it states that the bankruptcy was last reported back in XX/XX/XXXX and it was verified back in XX/XX/XXXX. How can something be reported and verified on the same day if it were never investigated in the first place? Also I pointed out that i have been disputing this inaccurate erroneous account since XX/XX/XXXX. Why has this date not changed since XX/XX/XXXX? This tells me that my rights are being violated and no real investigation is taking place. This account is inaccurate information and it needs to be deleted from my file. I asked where this was reporting from and got 3 different answers. I requested the description of procedure and was told that they go through XXXX   XXXX. Another told me they go through the courts and someone told me it verified electronically, whatever that means. I called XXXX and spoke with a representative who told me that there was no bankruptcy on file, this was on XX/XX/XXXX. I wrote a letter to the courts and was told that they do not report or verify this information with any credit reporting agencies. All in all inhave been given misinformation from this company on many different occasions and I am not going to keep being deceived by a company who is not complying and abiding by the laws. This item needs to be deleted from my report immediately as it is inaccurate and unverified. The company has failed on multiple occasions to investigate and instead went in and changed the date after the fact pinpointed that it hasn't been investigated and the date verified shows XXXX. Something is definitely going on here and it's not good or isn't right!!! I've compared 3 reports and they all say completely different this. This is an automatic violation under the FCRA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
Please remove all fraudulent inquires as I have no knowledge of any of these inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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