BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : 162936634. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiry : XXXX XXXX XXXX Inquire Date XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XX/XX/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 explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: NC
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:
Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX. 
As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract like I requested before, the information should be removed from my credit report within 15. 

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor there any such debt in fact therefore exists. 


I was reviewing my credit report and seen some inaccuracies on my file. XXXX deleted XXXX XXXX XXXX XXXX./ XXXX XXXX XXXX XXXX XXXX to not being able to accurately verify it so how did you? Obviosly, you did not properly conduct an investigation on this account. DELETE THIS ACCOUNT IMMEDIATELY!!! 


I have a right to bring a lawsuit! 

I need this deleted ASAP!

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 2023-08-08
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When Goldman Sachs Bank USA purchased XXXX XXXXXXXX XXXX  sponsored XXXX XXXX from the last owner ( XXXX  XXXX? ) and started conducting business as " Marcus '' sent a flyer promising {$25.00} bonus " earnings just by stetting up your account and confirming your profile. '' See Ex " 1. '' we immediately did that on their new Website " Marcus. Com. '' Every time we called Customer Service, they promised that the bonus earnings credit will be paid within 90 days. That 90 days has been over nearly 2 years ago. We have not received the advertised bonus earning of {$25.00}. 

We want response in writing -NO TELEPHONE CALLS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I spoke to Mohela customer service and Military customer service several times about my PSFL application and submission of W2 forms since last year when I submitted my PSFL application. At this time they can not help me resolve my issue. I am requesting to get my information looked at and processed. The customer service representative told me today they are waiting on further guidance to calculate hours worked since I sent in W2 forms. I work for the XXXX  and we are 24/7 so I do not understand what guidance Mohela need when it clearly states on student.gov website to send in W2s. I marked full-time on the PSFL application been in the XXXX since XX/XX/XXXX. This is very unacceptable and I need a resolution to this issue. I was told in XX/XX/XXXX to resubmit an application to get credit for the last 12 months and during that time I was never told that my W2s would put my application on hold. It is currently XX/XX/XXXX and no closure to my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was scammed out of making a Purchase of product from someone using Venmo. I normally dont use Venmo to purchase something like this but the person said this was the only way. Well come to find out, this person took my {$310.00} and then proceeded to relist the same item again, scamming more people out of the money also. I have contacted Venmo multiple times who refuses to do anything. Stating that goods and services is against their agreement so they are refusing to assist at all. Even when I ask them to look into that persons account to view the fraud/scam transactions they act like nothing can be done and that im stuck with this. I have disputed this transaction through my credit card also but they are also saying due to Venmo 's rules that I am stuck with this. I dont care about anything else, I just want my money back for this. They can gladly cancel my account if they wish to. As I will not be using Venmo ever again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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. I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX : account last XXXX # XXXX. On XX/XX/2023 about XXXX XXXX  I XXXX XXXX contract XXXX XXXX phone number XXXX spoke to XXXX  and i asked for my full account number she refused to proved me the full account number. She advised me to call [ XXXX ] i spoke with XXXX about XXXX XXXX from account recover and i asked for my full account number she advised for security purposes they dont have access to that information However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my 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 explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
THESE ACCOUNT HAS YET TO BE REMOVE 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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE.

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 2017-08-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, a man named XXXX XXXX from this company ( offices of XXXX ) called a family member and told them all the information about this issue. The family memeber called me and relayed all the information and I called him back. He was extreanly rude and belittling. He told me I would be arrested in the morning. He told me I would never amount to anything or have anything of my own because of my credit score and proceeded to laugh. He made me cry with his belittling. He should not have told anybody any information and it is illegal that he did. I wish for something to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " XXXX '', " Equifax '', and " XXXX '' on XX/XX/XXXX and I STILL have not received any reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I  choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( 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 explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/XXXX I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX letter are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In 2019 I was in the process of filing financial assistance with a hospital and was told that while I was applying for assistance the debt would be put on hold. Soon after I received notification that they sent the debt to overton russel and doer. I called and explained the situation, and both institutions told me that it was too late to fix once the debt was sent to collections. I then had to apply for a loan to pay the debt and it has been paid in full for the past 2 years. This debt should not be reflected on my credit report and should have never been sent to collections in the first place. Overton russell and doer has since told me that they will not remove it from my account until it falls off in 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX Credit Card resold by XXXX XXXX provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry 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 2023-06-01
Company: Experian Information Solutions Inc.
State: MA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-04-30
Company: GOLDMAN SACHS BANK USA
State: TX
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 had a charge on my Apple Card ( issued by Goldman Sachs ) that I did not authorize. Apple Card customer service refused to allow me to dispute the charge and simply transferred me to XXXX customer service. XXXX  Customer SErvice could not even pull up the detail. This is one of many unauthorized charges I have had on my apple card. I am also trying to close my account and they are making it very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Upgrade, Inc.
State: VT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While I was in Ohio for my fathers funeral I had to change my phone number. I tried to get back into my Upgrade account and apparently the only way I can verity my identity is a code sent to my phone number. I emailed Upgrade and told them I changed my phone number and needed to get into my account. They wanted me send to them a photo of my ID front and back and a selfie while holding a note with my account #, limit, XXXX, and the date. Because I didnt have paper statements I then had to email a different branch of customer service for a statement with the info I needed. I took the photo and sent them everything. They then said I needed to list both accounts on the note in the selfie. Which I dont have access to. They sent me another email saying I had to request this info from them. Ive decided to leave it alone and let the account stay locked. I have automatic payments so I will just pay off the card and never use it again. Ive never experienced anything like this and it feels very sketchy. I will also add when I called customer service I confirmed my identity over the phone and they should have given me everything I needed over the phone. I will warn everyone to stay away from Upgrade.

Company response to consumer: Closed with explanation