BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: Experian Information Solutions 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:
In XX/XX/XXXX, I reached out XXXX to ask questions concerning a disturbing hit on my credit report concerning the purchase of a bed, that I had no clue in regards to this purchase! This company stated I did an over the phone settlement in which that was not true bc I have been fighting legally to remove items that where and have been removed due to proof of these items not being mine! During this time, I was not living at this residence! I moved out XX/XX/XXXX right after the delivery of my XXXX! Neither did they speak to me, my exhusband was living at this address along with his companion. On XX/XX/XXXX I received an UNSIGNED contract from XXXX.I have vehemently asked XXXX for a voice recording to verify my voice and a signed contract bearing my signature in which they have not provided either! I have gone to the sir named furniture company which is under New Management to ask for a secured contract and they had no clue and could not present me one!!! I have disputed this through Experian for a consecutive 7 months and they repeatedly continue to update it after I have sent them the contract bearing no signature! In my research, according to the Fair Credit Reporting Act, if there is a significant proof of my signature this has to be removed if not given in 30 days and its been 7 months! Please I am asking for your reinforcement and assistance with removing this from my credit report! I dont have bad credit at all, I am integral concerning debt! Please assist me! I believe that Experian is not taking the tone to research my dispute but have repeatedly ran my letters through the processor of scanning letters and has not taken the proper and integral steps according to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure requested. Every month they and XXXX are in contempt of the 30 day required timeline to supply proof with my signature. I am trying to purchase a home and this is a derogatory and Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX XXXX  -a payment of was sent to the wrong recipient. Support was notified immediately. No response was provided until XX/XX/2023. The advice given was that a refund could not be refunded because the transaction was completed on XX/XX/2023. The transaction was actually showing as pending. Support instructed me to request a refund from the ( incorrect recipient ) recipient. I requested the refund on XX/XX/2023, the same day the money was sent. Request was denied by the recipient after 2 weeks of waiting. I've sent refund request again and continued to contact support. The transaction was shown as completed once the refund was declined. The was in a virtual holding spot for several weeks and has not been refunded. Please assist with the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an Old Navy credit card since XX/XX/XXXX. As ofXX/XX/XXXX, my account was closed. I had 2 times of being 30 days late ; XX/XX/XXXX and XX/XX/XXXX. I decided to pay the balance in full in XX/XX/XXXX/XXXX of XXXX. After paying the card off, they closed my account with no reason why. 

As for Synchrony Bank, they have had more negative impact on my credit and my credit score more so than any one company. THey are forever checking my credit and decreasing my credit limits which in turn reduces my credit and shows that I am over the limit. That is causing a negative impact on my score.

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 2019-07-15
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I went to buy a vehicle and the auto company submitted my loan application. A number of weeks later after the purchase I received a letter saying I was not approved ( I did get a loan but not thru this company ). They based it in Sage Stream LLC report. They gave me a much lower score than I had thru XXXX or XXXX. They said it was based on a number of factors : each one was excessively wrong- example : Length of residence too short- I have lived in the same home ( which I own ) for 11 years. 
Limited history for consumer at this phone : I have has the same phone number for 15 or more years, and although switched service providers that has been over a year and half ago. 
Ive read others have had similar experiences. Ive tried to call a number of times to request where they get their data from and to get a copy of my report. I have not reached them and have no reply from my voice mail left. According to their web site I would have to send personal information to them to get this report. All sounds like a scam. 
This letter talks about XXXX XXXX  from XXXX CT. It also said they could not get my XXXX  report- which I have a credit lock on it, which I removed for a day to accomplish this auto loan ( which did happen thru a different bank ) Please check out this company, and their letter, I must be some sort of scam. We all work hard to have acceptable credit and when told its half of what it is of course the urge is to respond to see what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
In XXXX of XXXX, I prepaid a 7 day trip that was 100 % money back guaranteed for accurate description of a boat charter. On the first day of the trip, we realized that we were conned and the boat was no where near what was described. We threatened the police and XXXX XXXX. The vendor apologized and said they would make things right. We called AMEX within hours, appalled by the actions of the vendor and the fraud.AMEX reversed the charges claiming that they had our backs. XXXX month later the vendor makes up falsified invoices and provides a false narrative that we abandoned the boat and that they would keep {$10000.00} of the {$19000.00} we paid. We opened a dispute process with AMEX proving the size of the boat, pictures, no AC, date of boat built etc AND the actual invoices and actual REFUND policy which we followed to the letter. We worked on this for months while AMEX saying if we prove all this we would be fine. Nothing we provide did anything. They let the fraudulent vendor keep the {$10000.00} and closed the case. They told us to go to arbitration for that amount, in which we just started process. After case is closed in XXXX ( after 7 months ) they took the additional XXXX which the vendor had always agreed we could have. Now AMEX took the full XXXX and says the case is closed. Even when the vendor never wanted the full amount. The vendor now will fraudulently keep all the money and never return a XXXX. Amex dispute process was a joke and they never evaluated any of the evidence. Even evidence from the XXXX XXXX and satellite images proving that on top of everything the boat was double booked. Even the evidence of the vendor changing wording on the refund policy and altering the invoice ( ie ; number of people, amount paid and commission altered ). We would like to report AMEX for not protecting their customer and having a futile process that does not evaluate evidence. Not only that, incorrectly overcharges the customer for an amount that was not even asked by the vendor. They will not help us with this saying the case is closed and its beyond the date to open a new dispute process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NC
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:
Please be advised Equifax, XXXX, XXXX are refusing to remove my Bankruptcy and old addresses, phone and old employer information from my credit file. The information was provided by XXXX XXXX and the bankruptcy on my credit report has not been verified by me nor has it been permitted by me nor does it has a signature by me to be placed on their platform. I wish to have my Bankruptcy removed from all three credit bureaus starting with XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2019-07-15
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated in 2016 with a degree in XXXX Studies. Since graduation I have struggled to pay the minimum monthly payments of around {$1200.00}. It has constrained me so much financially that I am unable to move out of my moms apartment, unable to relocate when offered by my company, unable to be independent for the foreseeable future and unable to contribute to the community and economy as a consumer or investor. It has severely impacted my mental well being to a point where I question the value or meaning of my own life if I can never get out from under this debt. I am in desperate need of relief from the monthly payments that disable me from financially investing in any other part of my life. My loan service company is Discover Student Loans. I have pleaded with this company, applied for hardship assistance ( a program which is only allowed per borrower a limited amount of times despite an unchanging financial situation ) and applied for consolidation, only to be denied the help I need or would otherwise not ask for. I want nothing more than to pay these payments on time and in full but I need HELP. I need someone to work with me. So I can actually live my life. Discover Student Loans is predatory, lacks empathy and does not care about the well being of their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX Balance : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Father passed away XX/XX/XXXX. I became administrator of his estate XX/XX/XXXX and so began my probate work. As I tracked his checking and savings account down, and began collecting statements, I processed all of the necessary documents in order to gain access to his accounts to settle them for him. proof of death certificate, original administrator orders from the court, and a notarized document specifically for Wells Fargo, where my father had both a checking and savings account. The XXXX, Ca Branch. I was dealing directly with the branch manager, whom was going through my fathers account and noticed something that startled and worried him. He immediately got on the phone with the Fraud Department for Wells Fargo and began discussing a {$3000.00} check that was dated XX/XX/XXXX XXXX XXXX XXXX ), yet was not cashed until 4 weeks later, 2 weeks after my dad had passed away. At the time Wells Fargo in XXXX, CA printed out a copy of the fraudulent check, and told me that I would be unable to close the account until they were able to process the claim and return the {$3000.00} dollars to the account or for me to open an estate account with my name on the account as wells as my father 's estate. 
Following up on this matter today XX/XX/XXXX, I spoke with Wells Fargo Estate Department and told them the situation for a resolve to begin, and that department contacted the Fraud Department Wells Fargo, and the Estate Department came back on the line after XXXX min. of waiting and iformed me that the Fraud Department denied my claim! They claim that they compared signatures of my fathers to the one on the check and that they matched!! This is absolutely absurd. A straight Lie and a despicable one at that. Also, the man who's name is on the check is currently in jail for XXXX Fraud he used social security # 's of homeless people and recieved {$380000.00} in fraudulent payments. 
Wells Fargo said they would reimburse the money for the fraudulent check that they should NEVER HAVE CASHED in the first place.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX  XXXX How is XXXX XXXX reporting the account type as Open, while Experian is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX is reporting the date last active as XX/XX/XXXX and Experian is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

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 2023-10-09
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IMMEDIATELY WHEN I FOUND THAT MY CREDIT WAS BEING ILLEGALLY USED, I CONTACTED THE CREDIT BUREAUS TO HELP ME WITH THIS ON XX/XX/2019. THEY PROMISED TO INFORM ALL CREDITORS OF MY SITUATION. MIDWEST RECOVERY IS THE ONLY COLLECTOR WHO HAS FAILED TO RESPOND TO THIS URGENT MATTER. I HAVE CONTACTED THEM BY LETTERS AND BY PHONE REQUESTING REMOVAL OF THE FRAUDULENT ACCOUNTS AND HAVE BEEN IGNORED. ON XX/XX/2019 I SPOKE WITH XXXX XXXX IN MANAGEMENT AND SHE FAILED TO COMPLY WITH FCRA AND HIPPA LAWS AFTER THE MATTER WAS BROUGHT TO HER ATTENTION. MIDWEST RECOVERY IS IN VIOLATION OF FCRA 617,616,621,615,623A ( B ) ( 2 ) AND SECTION 605b OF FCRA LAW. TO MY UNDERSTANDING THEY SHALL BE SUED BY, FTC OR CONSUMERS FOR THESES VIOLATIONS FOR {$3900.00} PER INSTANCE. I DO NOT OWE MIDWEST RECOVERY ANY DEBT. MIDWEST RECOVERY HAS NO CONTRACT FOR DEBT WITH ME AND HAVE BEEN NOTIFIED AS TO WHAT THE BEST PROCEDURE FOR IDENTITY THEFT BUT REFUSED TO COMPLY WITH HIPPA/FCRA/FTC LAWS.

Company response to consumer: Closed with explanation