BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: AMERICAN EXPRESS COMPANY
State: VT
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 XXXX XXXX, XXXX I cancelled a flight with XXXX XXXX through American Express XXXX. I was issued a credit in the amount of {$1300.00} and told I needed to use the credit by XXXX of XXXX. On XX/XX/XXXX I booked a round trip flight for 2 adults ( my son and daughter-in-law ) in the amount of {$1800.00} for XX/XX/XXXX- XX/XX/XXXX. I received a receipt, an itinerary and confirmation of the booked flight. On XX/XX/XXXX my son attempted to check-in only to find that the flight was cancelled. After approximately 2 hours and 4 people later I am informed that the flight was cancelled on XX/XX/XXXX. I was not notified by XXXX XXXX or American Express XXXX that the flight had been cancelled and no one seems to know why other than it wasn't " ticketed '' by someone somewhere. In summary, after 5 hours on the phone and 8 transfers later, American Express has opened an investigation to determine if they will give me a credit on my credit card in the amount of {$1300.00}. An agent is going to call me within XXXX hours regarding case # XXXX. I told them they could book another flight with another airline so my son and daughter-in-law could attend the event this weekend, however they declined. It is not acceptable that I followed all of the instructions and planned ahead only to be told " we're sorry '' or " I completely understand '' and " there will be an investigation ''. One time events such as weddings or funerals can't be recreated because the credit card company is " sorry ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: NJ
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 noticed multiple accounts and inquiries on my report I do not recognize

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 2022-03-15
Company: EQUIFAX, INC.
State: NV
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:
Do to the fact that on going complaint and in unauthorized inquirys 2 of them from XXXX XXXX dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-13
Company: EQUIFAX, INC.
State: AL
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:
I am a natural person, I am living a human being, I have rights 15 USC 1681.

Equifax is governed 15 USC 1681. And they violated my rights numerous times. I demand the accounts below be removed because according to 15 UCS 1681 : I have the right to privacy and I didn't give Equifax written permission to furnish these accounts : Accounts 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 XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this ( phoenix financial services llc ) company recently added a collections to my credit report for a hospital debt from 2013 ( 7 years ago ) and showed it as a new debt. this dropped my credit score 20 points. I disputed this debt with the credit bureaus and it was removed. they then re added this debt this same debt to my credit report dropping it another 20 points. they are constantly calling me and harassing me stating they'll keep re reporting it to all major credit bureaus until I make some kind of payment. they are rude and relentless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX, 2022, I called Goldman Sachs to initiate a {$30000.00} wire to an escrow account as part of a home purchase. The representative said he was unable to send a wire-in-progress or confirmation email. Instead, he shared an internal escrow wire reference number. 

Because it was late in the day, I understood the wire would likely be processed the next day. Instead, XXXX XXXX came and went without the escrow being processed. The funds remained in my account. 

On XXXX XXXX, I called customer service and was told it was in progress. Unfortunately, they did not tell me if I needed to verify any details or if there was anything I could do. They simply told me that some wires take one to three business days, and because I started the wire in the late afternoon on XXXX XXXX, XXXX XXXX was technically only the second business day. 

My escrow XXXX told me Goldman Sachs called her on XXXX XXXX to confirm the wire transfer details. She promptly gave the instructions that morning. Still, the wire was not sent, and the funds remained in my account. 

On XXXX XXXX, I called Goldman Sachs and asked if the funds would be sent, as it was the third business day. The representative told me only that the wire was in progress. However, she let me know that it was the third business day since I initiated the wire, and wires typically take one to three business days.

At the end of the day, the funds remained in my account. The wire had not been sent or processed, even after three business days.

I asked for each representative to send me an email so that I could prove to the XXXX  XXXX and the house seller 's realtor that the wire was in progress. None of them could provide me with the email or anything in writing about the status of the wire. 

I am now at risk of losing my house purchase because I am in breach in contract. My earnest money has not reached the escrow account. I have waited on hold for XXXX hours every day for the last four days. This is unacceptable. 

The Goldman Sachs XXXX wire reference number is # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. My name, social security and address has been used to open up accounts that I have never authorized. In the past I have had issues applying for things due to having a very common name. I'm not sure if that is one of the biggest issues I am having because these accounts under my name are fraudulent accounts. The reason I was prompt to pull my credit was because my tax professional told me that my social security number had already been filed. I called IRS and they prompt me on what needed to be done next. Please remove these unknown suspicious accounts from my report. They do not belong to me. 
XXXX XXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX   XXXX {$870.00} XXXX XXXX XXXX {$830.00} XXXX XXXX    XXXX {$140.00} XXXX XXXX {$2200.00} XXXX  XXXX {$2700.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$24000.00} XXXX XXXX {$870.00} XXXX XXXX {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
United Consumers , Inc. at XXXX. XXXX XXXX of XXXX, VA XXXX sent me a medical bill with service dates of XX/XX/XXXX. They are acting on the presumption that some relationship that they may have with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HOSPITAL, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship they have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX   HOSPITAL, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between each of us ; and on XX/XX/XXXX, I sent a certified STATING THAT ALL PRESUMPTIVE AND TACIT CONTRACTS WERE NULL & VOID AND I DO NOT CONSENT. They committed mail fraud attempting to collect this debt for a year in which I have not received any medical care, since it's only the year XX/XX/XXXX and not 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 explanation
Consumer complaint received 2023-08-17
Company: AMERICAN EXPRESS COMPANY
State: GA
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 recently pulled my credit report and saw that i have a Collection account with the company AMEX and unauthorized inquiries listed on my credit report. The first thing i did was immediately filed a Police Report since i had been a victim of Identity Theft and someone used my name to open a fraudulent account. When i contacted the company XXXX, XXXX XXXX XXXX XX/XX/2023, The representative was extremely loud, rude, condescending and disrespectful. I am shocked that AMEX would have a person like this work at their company. I have endured a lot of stress, pain and suffering after speaking with the rep who refused to give me her name. I filed a Complaint with FTC and will also file a complaint with XXXX  against AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit 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:
Date of Transaction : XX/XX/2023 Order # XXXX Item ordered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Store Card : {$3900.00} Used XXXX XXXX XXXX XXXX : {$230.00} The company used XXXX to ship the item. The item was supposedly delivered but we discovered it was not at our house. We confirmed from our neighbors that they did not receive it by accident and we reached out to Crate and Barrel and XXXX. Initially they told us to give it a few additional days. It was never received but they stated it was showing delivered. We then filed a police report with the local police for a stolen product because we were also missing some other items that were supposedly delivered at that time. When we initially spoke with Crate and Barrel we provided copies of the police report. They also had us contact the crate and barrel store card who also filed an investigation and we provided a copy of the police report to them. After multiple contacts we were told to file a claim with XXXX for the stolen unit. We reached out to XXXX and attempted to file a claim. 
Case # XXXX Tracking # XXXX XXXX responded to decline the claim because according to their records the shipper must file all claims as per their agreement with Crate & Barrel. We then reached back to Crate and Barrel to advise of their responsibility to file a claim with XXXX but as far as I know they never filed the claim after multiple requests for updates from them. 

Over the last several several months we have been pushed between the Crate and Barrel company and the Crate and Barrel store card. Through out the entire experience the companies have acted as if they would help but pushed blame between each other and / or denied responsibility even though they continued to say they would help. We never received a replacement product or refund. We are not going to pay for something we never received and we know was stolen from us.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following accounts are reporting on my credit but is not mine XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX credit card in which I never had. Then there's also inquires on my report for credit items I haven't applied for which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit has been compromised because of this accounts and inquiries. They are hindering me from buying home for family. This is not acceptable and I was hoping that help could be provided for my sake.

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 2019-01-10
Company: NCC Business Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom it May Concern : NCC is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from NCC for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to NCC from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX  ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX/ XXXX or NCC. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of NCCs inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: LEXISNEXIS
State: TN
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:
On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I co-signed for my grandsons loan and now he is having problems making the payments. The company calls me 4 to 5 times a day and asks me when am I going to start making payments. I'm retired and can not afford to make the payments. My grandson currently lives with me and I'm trying to help him make his payments, but the only jobs he has been abe to get are landscaping which dose n't pay enough for him to afford to live on his own

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent multiple letters in demands to have all inaccurate info on my credit report removed but the company is not responding or removing the inaccurate info

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 2022-12-14
Company: Experian Information Solutions Inc.
State: MI
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 appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX : DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX 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 explanation