BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: FL
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Equifax report immediately : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate addresses 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 2022-10-25
Company: TRUIST FINANCIAL CORPORATION
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 purchased a puppy from a breeder, no paper work was provide, didn't have to sign anything. The breeder was pushing puppies with no paper work, the breeder preferred cash but told the merchant I would only pay with credit card to protect my purchase. Took my pup the next day to the XXXX, and my puppy was very sick. He had XXXX due to XXXX infestation and in poor health, i spent over $ XXXX and countless XXXX  visits to bring this pup back to good health as he was so sick and i was afraid he would die. I placed a dispute with Truist who is the issuer of my credit card. I submitted 32 pages of documentation from my XXXX along with USDA paper. The charge was for {$1700.00} ; after a few weeks Truist credit my account, and I was told that the credit would remain permanent and that the investigation ruled in my favor. Today, I received an email from Truist to advise me that the credit has been removed from my account and that the merchant provided document evidence to support their charge of {$1700.00}. i reviewed the paper work supplied by the merchant and the receipts are NOT in my name, they are in other people 's name, address, and phone number. Confused I contact Truist and they told me the merchant repre 'd with documentation, and even though it does not have my information listed, i am still responsible. I was sick to my stomach knowing my bank can hold me accountable for someone else 's purchase!

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 2023-02-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im trying to remove a address on my account related to fraud, and they giving me a hard time to remove the address associate with fraud..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information : XXXX XXXX XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}

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 2019-09-23
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have two PayPal accounts, one personal and one for a small business of mine. Both are under my name and with the same Social Security Number. 

On XX/XX/XXXX, I transferred {$1200.00} from my personal to my small business account and PayPal decided to hold my funds, transferred to myself, for 72 hours pending verification. I attach copy of the pending status of this transaction seen from my two Paypal accounts : I as a sender and I ( through my small company XXXX ) as the receiver. 

I have been a stellar customer with a XXXX perfect credit score for almost a decade, since the beginning of PayPal. 

I called their awful customer service. I was made to wait several times, until I decided to ask for a call back. When I finally got the call back, instead of connecting me immediately, I was made to wait another 15 minutes. A very rude Limitations Specialist that identified herself only as XXXX ( calling from ( XXXX ) XXXX ) and refused to transfer me to a supervisor, said that she was the only person I could talk to and basically go fly a kite. 

I'm furious that this company can basically take my money and do whatever they want with it for the time they decide. This should not be allowed. There is no basis whatsoever for they placing a temporary hold on transfers between my accounts and they are creating a potential risk to my small business by not having the balance immediately available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax, the bureau who appears to be out of business ( undergoing maintenance for 5 days as of this writing ) has continuously " verified " a fraudulent loan account, a loan that was created fraudulently without my assistance or knowledge.I HAVE ATTACHED AND INCLUDED MY CALIFORNIA DRIVERS LICENSE WITH VERIFIABLE SIGNATURE. 
WHATEVER SIGNATURE THE CREDITOR HAS ON LOAN DOCUMENTS DOES NOT MATCH MY SIGNATURE BECAUSE THE CREDITORS LOAN DOCUMENTS ARE FRAUDULENT. 
The account is US DEPT OF EDUCATION/XXXX # XXXXXXXX AND XXXX   HAVE BLOCKED, SUPPRESSED OR DELETED THIS ACCOUNT LONG AGO. 
EQUIFAX, THE CONFUSED INCOMPETENT BUREAU IS TODAY PREVENTING ME FROM PURCHASING A CAR AND A HOME BY THEIR PHONY NON -STOP " VERIFICATIONS '' OF THIS FRAUDULENT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My wife was trying to sell two cell phones and a scammer tricked her into sending them money ( she is naive and trusting ). We reported the scammer to our bank and Federal Trade Commission. Our bank says the funds can not be reversed.

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 2019-12-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Company closed on loan XX/XX/2019 stated that had two months to resolve issue with company on a fraudulent acct and held in escrow l. I was told {$1100.00} for XXXX told not to pay because Accts was incorrect from start insisted precondition to close that this be held in escrow until settled with XXXX. This has been removed from reports yet after 4-5 months no interest on escrowed funds or return of funds to me to date and as of today XXXX has not been paid and should not be paid on this acct which is wrong for many reAsons! I have never been given an Esxrow Acct number! XXXX has sent bill showing no payments in the last 2days and Citizens Bank given letter on XX/XX/2019 Explainibg that this was an incorrect acct and more yet insisted that I pay someone elses acct! Escrow funds were collected for closing on loan of {$5000.00} yet can not get any info on these funds to date REFusal to provide this or return info on escrowed funds of $ XXXXCollected at closing! MOST IMPORTANTLY CAN NOT GET INFO ON WHAT HAS BEEN PAID TO DSTE TAXES ON HOME etc ... NO INFO ON ESCROW FUNDS OF {$1100.00} and {$5000.00} collected at closing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For a year I have been using the Wellsfargo drive thru located on XXXX XXXX XXXX XXXX XXXX Az XXXX on XX/XX/2022 at XXXXXXXX XXXX I was serviced or lack of serviced by a woman named XXXX. She immediately returned my deposit through the deposit tube and said merchants are not supposed to use the drive thru anymore and need to get off to make deposits. She was rude and off putting, there was no other vehicle next or before me, and this was the first time I had ever heard of that. I did not receive a warning beforehand and I had to drive to the next Wells Fargo Bank XXXX miles away to be able to make my deposit. I have never had an issue making business deposits from XXXX XXXX XXXX by in the drive thru. I would like a follow up call on this new procedure or if it is one. My name is XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. 

I have disputed this with XXXX XXXX, XXXX XXXX XXXX, XXXX, Transition, and XXXX to no avail.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
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:
Experian provide results of dispute on XXXX for : XXXX XXXX XXXX ( XXXX ) # XXXX XXXX XXXX XXXX # XXXX Experian results dated XXXX stated accounts were deleted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, However, these accounts are still on my Experian credit report. 

FCRA states that consumers have to notify consumers that deleted accounts that will be reinserted in file. 

I never received any correspondence stating deleted XXXX XXXX XXXX ( XXXX ) accounts were to be reinserted in my Experian credit report. This is a clear violation of the FCRA. 

Attached are screenshots of dispute results with several dates stating ( XXXX ) accounts were deleted and now accounts are still on my file. 

Attached is screenshots showing XXXX accounts in my file.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: VA
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 am writing to express my serious concerns regarding the inaccurate information on my credit report, which is maintained by Experian Information Solutions , Inc. Despite my efforts to rectify the errors, it has come to my attention that the discrepancies persist, and this has caused significant harm to my financial standing. 

I have made multiple attempts to dispute the inaccuracies through the proper channels, as outlined in the Fair Credit Reporting Act ( FCRA ). However, it appears that these efforts have not been successful, and the inaccuracies persist. 

I believe that Experian Information Solutions , Inc. has failed in its duty to ensure the accuracy and integrity of the information in my credit report, as mandated by the FCRA. This failure has resulted in damage to my creditworthiness and has adversely affected my ability to obtain credit on fair and reasonable terms. 

I am hereby providing notice of my intent to pursue legal action against Experian Information Solutions , Inc. for violations of the FCRA and any other applicable laws. I believe that your company 's actions have caused me substantial harm, and I am left with no alternative but to seek legal remedies to address this matter.

I strongly urge Experian Information Solutions , Inc. to promptly investigate and correct the inaccuracies on my credit report in accordance with the provisions of the FCRA. Failure to do so will leave me with no choice but to proceed with legal action. 

Please consider this letter as a final opportunity to rectify the situation before legal proceedings are initiated. I expect your prompt attention to this matter and a timely resolution.

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 2022-12-15
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX several calls made regarding debt. I have settled my debt with this hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: T.S. Holdings
State: CO
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 filed a complaint against IQ data international for violating the FCRA and the FDCPA they have not provided me with any notices and have not given a copy if the original contract. They said partially on reaponse " In XXXX of 2022 we received a new address for the consumer and a new initial notice was mailed to the consumer at the address provided with this complaint, which was not mail returned and was deemed received. Prior to our receipt of this complaint, our office reached out to our client in response to a dispute from the consumer. Our client provided a signed leased, move out statement, and full ledger to confirm the balance on file as accurate. '' I provided no signed move out statement this is a lie. I never received any notice at all. However the law provides a consumer can opt out of their information being shared at any time. I am also supposed to get a notice every 30 days before they report. I have not been given that opportunity. They also cite a statement that says they MAY report unpaid balances to collection agencies but that is with the consent of the consumer I give no such consent. I am instructing them to stop reporting negative information to my consumer report in order to coerce me into paying a disputed account this is again against the law. These are clear violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hi, I was enrolled in XXXX XXXX College from XXXX to XXXX. Turns out that XXXX XXXX was one of the for-profit colleges. I'm being told a company that goes by XXXX that I can qualify for loan forgiveness and I want to know if this is something you can help me with. They're telling me because of the William Ford act that President Obama passed I qualify because of my income. They want me to pay them a fee are there services and they can have me pay the debt collection agency {$5.00} a month for 9 months and after that my balance will be zero dollars. Please get in contact with me if you know anything about this or there is any help that you can provide. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Care Credit card through Synchrony. I've been paying the minimum payment because that's all I can afford right now, but I just noticed that for the past 6 months or so they've been charging me a " PYMT CARD SECURITY XXXX '' fee of about {$15.00} a month, eating up half my payment! I looked this up and found that it was a " payment security '' program that cancels my debt in case of unemployment, death, disability, etc. I did NOT sign up for this and I did NOT consent to this fee! I want ALL the money I paid for those fees BACK NOW or I am contacting the POLICE! Well, I suppose I am contacting the police right now, aren't I?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief