BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had a security freeze with Experian due to identity theft. 
I recently requested to permanently remove it, but it is evidently still in effect, since I can not set up an account with social security due to the freeze still on. 

I tried to remove the freeze online, but got a problem message. I have tried numerous phone numbers, and ALL of the menus are messed up : either recycle questions, or only allow to put ON a security freeze. There is no way to talk with a person, although at one point in the past 10 years, according to my notes, I must have gotten through somehow.

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 2022-02-22
Company: EQUIFAX, INC.
State: VA
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:
In late XX/XX/2021, I received notice that XXXX XXXX had purchased my mortgage loan from my previous lender XXXX. 

The notice indicated I was already in arrears. I had made my mortgage payment to XXXX in XX/XX/2021. 

My XXXX account was in surplus of 2 months in advance, plus the XXXX payment. 

I contacted XXXX XXXX immediately to contest the alleged late payments. I was told that any pending payments would be credited within 30 to 90 days. 

I continued to make monthly payments. 
Multiple phone calls and emails and complaints were made to XXXX XXXX without response. 

I provided them with the information from XXXX, including the delivery number for the overpayments. 

No response. Over the course of 9 months, multiple complaints were made with no response. 

In XXXX XXXX and XX/XX/2021 XXXX XXXX placed derogatory statements on my pristine credit report. 

I have sought resolution without response, in XXXX, I contacted XXXX XXXX again, and after a lengthy wait a customer service representative advised me correspondence had been sent to the wrong email account. 

Additionally, she reported the XXXX XXXX mailbox, ( which they created and was used for all communications ) was not used by XXXX XXXX for communications. They placed important correspondence in an obscure place on their website, under a tab called Miscellaneous. 

In the interim, no effort has been made to respond or amend the deficiencies reported on my credit reports, and the account has not been credited with the overpayments. 

This are blatant and negligent attempts at fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: MD
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Found out that I was a victim of identity theft back in XX/XX/2019 Started trying to get items removed from all three bureaus, with no luck. Went and set up an account at identitytheft.gov and went through all necessary steps. Items were deleted, and now are showing back up, according to XXXX, as being " verified. '' They will not share with me the correspondence showing this or what they received. Site stated the next step was to file a complaint against the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit 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:
Dear XXXX, On XX/XX/XXXX, XXXX XXXX, I bought an airplane ticket from kiwi.com for {$540.00} departing from XXXX on XX/XX/XXXX and arriving at XXXX. The ticket confirmation email is attached below. 


However, as soon as I received the above confirmation for the ticket, I realized that I accidentally bought the ticket for XX/XX/XXXX instead of XX/XX/XXXX. This happened because the default ticket calendar page that opened on XXXX 's website showed XXXX dates instead of XXXX dates, and because the dates were represented numerically, I made a mistake and purchased for the wrong month. 

XXXX 's mobile app and website asked me to call customer support for cancellation or date changes. I called kiwi immediately and explained them the situation. They said that whether I change to a different date or cancel the ticket, they would only refund ~ {$10.00} instead of the {$540.00}, even though it was only couple minutes before that I had purchased the ticket. That would have effectively meant no refund. It turns out, this is a scam kiwi regularly engages in and is well-documented at its XXXX page here : https : //en.wikipedia.org/wiki/Kiwi.com # Controversies So, I told XXXX that I don't accept their offer and that I would dispute the transaction through my own credit card company. This call happened between XXXX and XXXX XXXX on XX/XX/XXXX. 

I then proceeded to buy the second ticket with the correct date, which was XX/XX/XXXX, this time for the price of {$560.00} on XX/XX/XXXX, XXXX, immediately after my call with kiwi XXXX The email for the second purchase is attached below. 



Afterwards, on XX/XX/XXXX, XXXX ET, I contacted Apple Card via imessage to dispute the transaction for the first ticket. 

In summary, the time span between buying the first ticket, contacting kiwi, buying the second ticket, and contacting Apple Card support happened within XXXX minutes. 

I have been disputing this transaction since XX/XX/XXXX, which was 6 months ago. Goldman Sachs keeps refusing my request. From my perspective, if Apple Card is not going to protect me in moments like this, then why am I using Apple Card over my XXXX XXXX through Chase, which has protected me during even more difficult situations? 

If there is anything else you want from me to finally resolve this dispute in my favor, please let me know. I have spent over {$110000.00} through my Apple Card since XXXX. If XXXX XXXX XXXX not going to honor my request, then please proceed to cancelling my credit card because I do not want to be a customer to a bank I do not trust anymore. 

In my opinion, a fair resolution to this complaint would be the refund of {$540.00} and a reprimand of kiwi.com for the unfair situation it puts their customers. 

thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
It has come to my attention that, although I have written several letters, asking for validation of that, audit trail, I am not getting any responses because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report, as it is in violation of the federal Constitutional laws. 


15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1692 15 USC 1601 I am rich, I am afraid the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality and respect for the consumers privacy. I did not give consent to these accounts be published they did not have my permissible purpose.

I have remained, how old is by the dress abuse in harms that the three credit reporting agencies have done to me.

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 2022-02-04
Company: MOHELA
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/2021 I received correspondence from MOHELA, a department of Education Servicer stating welcome to Mohela. I sent over a certified letter requesting validation which has my signature in wet ink. Mohela sent over correspondence stating my request is in process. Today I received another correspondence stating that they enclosed information that I requested. As you can view as well. Mohela failed to provide me with the Validation that I request. In the documents that they sent over it states that the following documents are under separate cover : Payment History and Master Promissory Note which is not what I ask for. This does not show Validation. 15 U.S.C 1692g Sec .809 ( b ). I also would like to bring up the inaccuracies reporting on my credit report from this creditor. XXXX I have no student loans debts. XXXX is reporting a different creditor which I have to deal with as well. This creditors just places an items on my credit report without validation or verification of debt. As a Consumer I have rights.. 15 U.S.C 1681q,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment so I am filing this for myself and not anyone else. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: MD
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: WA
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Balance {$810.00} ; XXXX XXXX & XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 2022-02-22
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:
XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX creditor : XXXX  XXXX BANK XXXX XXXX XXXX Balance {$590.00}, XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021, FACTUAL DATA Inquired on XXXX XXXX, 2021 are reporting on my personal credit file with ( XXXX XXXX XXXX XXXX XXXX. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Consumer Portfolio Services, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CADENCE BANCORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Government Officer : I'm a customer of a cadence bank in Mississippi. From last XXXX. They changed the account policy. Start to charge me {$6.00} each month for maintaining the account. Although my my deposit never lower than {$250.00}. But they automatically classify my account into the group which needed to pay month fee. ( Earlier the policy is over {$50.00} ). And accoring to the manger, s own word they only mail a letter to inform this policy change, but for years they already no longer sended papaer based account details by mail but tell us to use the e-account to check account detail. In my opinion this is a kind of fraud to all the customers. Hope you can help them to correct this behaver. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I already submitted a Complaint to the CFPB on in XX/XX/XXXX in Case Number # XXXX. 

This is all over a van that costs a few thousand dollars, which I am happy to give back to Ally, but they kept calling my friends and family and avoiding contacting me. I am a licensed attorney California Bar # XXXX and this van was owned by Stepfather who passed away last XXXX and my mom is severely XXXX and in a XXXX home. I have been dealing with my Mom 's estate, COVID, and the birth of a new baby, along with my busy legal career. I could care less about this XXXX XXXX XXXX, but for some reason Ally Bank repeatedly has someone from XXXX repeatedly harass my elderly and XXXX mom and now my friends and family. 

This is completely unacceptable and absusive collection tactics, which CFPB needs to know about, because I can defend myself. However, who knows what they are doing to those who can not.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
see attach ftc violations

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