BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
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 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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've disputes the incorrect personal information on my credit profile number of times, still hasn't been removed. please help. address/ names

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 2023-11-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.

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 2024-01-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I requested to view statements and was sent a secure link to access statements. 
When registering through that link there was an error and no one at the bank was able to to resolve the issue or submit a ticket to have it worked on. They did not even provide any troubleshooting steps. I doubt they even noted the account regarding this issue either.

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 2019-11-21
Company: Nevada Credico, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this debt Isn't mine, i have asked for them to provide me a copy of a signed contract between myself and the company they are still unable to provide me with a copy so this debt is not valid.

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 2023-09-18
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone who obtained my card number used it to book a flight on XXXX XXXX. Below is the timeline of the actions that I have taken. I have reported this to Goldman Sachs ( Apple Card ) three times, and today they reversed it again and put the charges back on my card. I will dispute it again with them today. Goldman Sachs ( Apple Card ) refuses to recognize this as a fraudulent charge. 

Attached to this form is the only documentation that they sent me attempting to document that it was a valid charge. 

XX/XX/XXXX @ XXXX the charge hit my card XX/XX/XXXX @ XXXX - first reported the fraudulent charge XX/XX/XXXX - Provisional dispute of {$580.00} was applied XX/XX/XXXX - Provisional dispute was reversed - I challenged it again XX/XX/XXXX - Provisional dispute was applied again XX/XX/XXXX - Provisional dispute was reversed for the 2nd time - challenged again XX/XX/XXXX - Provisional dispute was applied again XX/XX/XXXX - on a call with Goldman Sachs fraud department : - Agent name : XXXX - Supervisor with Apple Card ( said she was the only XXXX supervisor ) - XXXX will work with her management to make sure that this is resolved. 
XX/XX/XXXX - Provisional dispute was reversed for the 3rd time - challenged again XX/XX/XXXX - Provisional dispute was to be applied again. 
- Spoke with XXXX, XXXX XXXX Fraud Prevention

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion, XXXX, XXXX all failed and voilated my consumer law rights according to the FCRA 15 usc 1681 a/b/g Congressional findings of the consumer law states my rights as a comsumer inaccurate information harming me and my family my personal information is very important to me .XXXX XXXXXXXX XXXX  XXXX is one of the company furnishing inaccurate information on my credit report, also late payments, another company is XXXX # XXXX is in voilation of my consumer law rights and i would like these items removed from my credit report. And according to my rights these violations are entitle for me to recieve {$1000.00} for each violation commited thank you for understanding the 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
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 sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX XXXX, I applied for student loans with a financial institution ( Discover Student Loans ). I was told by that institution that I would be able to consolidate the loans after my graduation. But after my graduation they told me that I am not qualified for a consolidation loan. I am therefore victim of misinformation that puts me in a predicament of a debt that is set in a way that is impossible to pay off, because I have been making payments of about {$10000.00}, but despite of that my debt has increased by about {$4000.00} in about one year. 

The bank told me to look elsewhere to consolidate the loans. What the bank puts me through is painfully unfair. I am not willing to make any more payments in this condition and I am willing to file a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My morgage transitioned from XXXX XXXX who received my final mortgage payment before the transition to XXXX XXXX. This " XX/XX/XXXX '' payment was made late XXXX. So I did not send my XX/XX/XXXX payment to XXXX XXXX ( I did this under direction of XXXX XXXX ). XXXX XXXX did not account for this in the transition and they have stolen my mortage payment. Otherwise XXXX XXXX after numerous calls and a formal complaint submission by myself with banking transactions, continues to regard my automated timely payments as LATE. This has resulted in XXXX credit report penalties and my score has dropped XXXX points. I have been promised this accounting will be resolved however they still keep ruining my credit 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 2022-05-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been dealing with American Express since XX/XX/2020. I was put on a company credit card in which they are saying I am now the primary account holder. We have sent proof of payment to American Express and the courts which they took up the case. They continue to ask for this proof and we are on about time 10 now. The company has called them, I have called them and they either dont know who is working on this, the person they say is working on it when we call back is being told to us that never worked there, mailbox is full, never returns calls. At this point it is harassment and I would like to peruse charges of my own for putting it on my credi, emotional distress, and impact this had had on my personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: NJ
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've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX **** Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA 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 2024-01-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Funds were withheld from my account without my authorization. I received a check but this did not begin to covered my reimbursement so I faxed a mediation request form on XX/XX/23 tracking number XXXX with confirmation of receipt. I was told by Wells Fargo that a case rep would be in touch within a week. I have heard nothing from a case representative and Wells Fargo is dragging their feet on reimbursement of funds they illegally withheld from me. I am a retired XXXX  XXXX with XXXX and need your help to get this process started

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 2023-10-29
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:
I am writing XXXX, XXXX and Experian as a concerned consumer to request the blocking and deletion of information on my consumer report due to identity theft, in accordance with 15 U.S. Code 1681c1 and as recommended by the Federal Trade Commission ( FTC ).

I have recently become aware that there is information on my consumer report that is a result of identity theft. This information does not pertain to any transactions made by me as the consumer. My request to block this information is not being made in error, and it is not based on any material misrepresentation of fact by me that is relevant to the request for blocking these identified transactions. 

I kindly request that you take immediate action to rectify this situation by blocking and deleting the information related to the identified transactions, as per the law and FTC recommendations. It is of utmost importance to me that this fraudulent information is removed from my consumer report, as it is affecting my financial well-being and my ability to engage in legitimate financial transactions. 

Enclosed you will find copies of documents supporting my claim of identity theft. I would appreciate your prompt attention to this matter, as well as your confirmation of receipt and action taken within the timeframe required by law. 

Correct Name : Name 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 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 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 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 2022-05-17
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CFPB, I'm not sure what I wrote in my original complaint XXXX that rather than investigating my concern, you determined " some of the information provided suggests someone other than you submitted the complaint without identifying themselves ''. How did you draw that conclusion? Because of your actions, this unverified account shows on my credit report INACCURATELY, and I'm being denied credit! I'M NOT XXXX. I CAN WRITE OR XXXX  A SAMPLE LETTER for my own personal use. If you'd concerned yourself with the documents, you would have seen where the equipment was returned to XXXX XXXX XXXX and I submitted a receipt as proof. That said, Credence Resource Management, your company continues to report a debt that is not owed. If this is not permanently and immediately removed from my account, my next letter is to my state AGs office and a consumer attorney regarding BOTH of your actions!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A cold call from XXXX ( XXXX XXXX XXXX. Claimed to be debt collector for att. Claimed I owed over XXXX. Read off my Name, address and phone number. Requested my social security number. I responded that I had no accounts with att. I refused to give any personal information. I googled the number. It has been reported as a scam by others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX XXXX account # XXXX Date Opened XX/XX/2022 The company has not taken any actions what so ever.

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 2023-03-31
Company: EQUIFAX, INC.
State: IL
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 have sent numerous letters, faxes to Equifax asking them to remove this fraudulent hard inquiry. Last letter sent was dated XX/XX/XXXX. I have also called many times. I have also provided the Identity Theft Report filed on XX/XX/XXXX to them. I have attached the Identity Theft Report here. The fraudulent hard inquiry is XXXXXXXX XXXX XXXX dated XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act Equifax has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX the borrower contacted AES to inquire how to process a co-signor release which the grandmother had signed for back in XX/XX/XXXX. AES is the lending institution and XXXX is the collection agency they use to process the payments, collect overdo payments, and make the calls. The representative for AES stated that the loan was taken out prior to when the co-signor release law with was instituted, so the loan was not eligible for that option. The grandmother is XXXX old and is trying to finalize any issues with her Estate that may be generated upon her death. The grandmother has received statements that have provided details that the loan is current and has been for more than 3 years. It is not believed that the information AES is providing is not accurate and in fact is a lie. The borrower has paid over the amount in interest payments that the original loan was taking out for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is reporting inaccurate information on my credit even after I have sent them proof that the furnishers they claimed verified the account sent me letters saying they do not and did not verify or update this account and XXXX removed it because they couldn't verify it. I sent both letters in to Experian pointing out the inaccuracies and the letters of proof of being unverifiable and they still said they verified the account which is imposable.

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