BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/22 a lady in plane cloths intruded into my living space in the guise of delivering a package. Having entered through the back gate that was closed without making any sound at the gate, she proceeded directly to the back door through the breezeway of the main house and started thumping on the door. And when I came out from my living area located on the opposite side in the annex, across from the breezeway, she mentioned she has a delivery for me that was in a box that resembled an online order delivery box. Then, she pulled out a sheets of paper stapled together and said that I have been served. I was having my breakfast and was really scared who this intruder inside the breezeway area is. This is to collect a debt of XXXX through Synchrony Bank. I'm assuming this person was working on behalf of Synchrony Bank or a service they had hired. The document said something about being from the XXXX XXXX. which there is a XXXX post nearby. So, I called the XXXX XXXX to find out if this person was legit or some intruder since the XXXX XXXX asked if she was a uniformed officer. Person was not. The lady was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm really scared for my life because I'm not from here and I have heard some Banks send hit men to your place of living to get whatever they can. Please please help. Now that they know where I'm, will they send a squad to harass, torture and intimidate me in the further in to my sleeping area? I'm very scared Please help. Thank you. 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 2021-08-03
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:
There are 9 accounts on my credit report that DO NOT BELONG TO ME!!!! I have never seen these accounts applied or used them I need them off my credit report ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number 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 2022-08-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Wells Fargo Auto has DISCRIMINATED against myself with an adverse action. Credit is the right granted to me under law 15 USC 1602 which Congress has set into place to protect the consumer. 15 USC 1681a, 12 CFR 1002.7 denial is an adverse action under congresses definition not mine. Congress not myself explanation of ACTIVITIES CONSTITUTING DISCRIMINATION says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. 15 USC 1691 the law is clear on this and Congress placed these laws to protect the consumer from Discrimination and unfair banking practices. Wells Fargo Auto has continued to be willfully negligent and noncompliant on this matter. Corporation policies do not supersede law which Wells Fargo continues to violate. This could lead to criminal liability and civil liability if Wells Fargo Auto chooses not to rectify this matter which is in the best interest of Wells Fargo Auto. I being the card holder as defined by 15 USC 1602 have received no benefit from this matter which under 15 USC 1602 ( p ) you have unauthorized use of this card.

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 2020-10-05
Company: EQUIFAX, INC.
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: Information belongs to someone else

Complaint:
Someone has stolen my identity, apparently to open accounts and gain profits in my name. I'm not sure who did this to me. Not sure how they obtained my information. I don't know quite where to go from here. 
These are the accounts that was opened in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

According to Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 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 report agency can not furnish an account without my written consent. 

These are the hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Also, all information on reports must match across all 3 bureaus, and every account has numerous errors on them. None of them matches up on the same on all three bureaus. 

In closing these accounts are the result of someone else taking advantage of the loopholes. I ask that something be done about this immediately.

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 2022-10-22
Company: Experian Information Solutions Inc.
State: CA
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:
According the FCRA, XXXX and Experian have violated at least XXXX laws while trying to verify my credit report. Please see infractions below : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

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 2022-04-25
Company: EQUIFAX, INC.
State: TX
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:
In Accordance with the Fair Credit Reporting Act, the list of accounts below has Violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction.

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 record of convictions of crime which antedates the report by more than seven years. 

Accounts : XXXX XXXX  XXXX XXXX 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 Unauthorized inquiries : XXXX - XXXXXXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Account locked and under review. Not able to trade, or withdraw funds. Has been at this status for several days with no warning, explanation or update provided. Support case and complaint raised - case # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
Company: Compattia Roccia Management Group, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX, and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX does not show any bankruptcy on my credit file. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials.

Equifax still shows over 24 false/not authorized credit inquiries on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
These fraudulent inquiries were placed on my report, how I don't know. I sent in a dispute letter and an ftc report, but I haven't received a response.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-08-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
I purchased two XXXX. Cashiers checks XX/XX/2017 from Wells Fargo Bank. I was told that the checks didnt not expire nor is there an expiration date written on the checks. Approximately one month ago I tried to cash the checks and was told that Wells Fargo no longer had the funds and that the money was sent to a lost funds account. I have spoken to several bankers and was directed to different websites with no such luck of locating the money. The final straw was today when I was ask what do you want us to do? in a very disrespectful tone by XXXX at the 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 monetary relief
Consumer complaint received 2022-10-22
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called AidVantage on XX/XX/XXXX to request a refund of my student loan payments made since XXXX of XXXX until the present. I was told by a rep. then that my balance would be reinstated within XXXX hours and approved in XXXX weeks. It is now almost XXXX weeks later and I have not seen my balance reinstated on aidvantage. I have called once a week since then and have received different information every time I was called. I even called this past Monday, XX/XX/XXXX, and I spoke to the most unprofessional rep. He told me to calm down and to stop calling. He even brought in my age and implied because I was young, I was impatient. I have filed a complaint with AidVantage only to receive an apology email stating they are working on it, and now I have to wait an additional XXXX weeks. This is absolutely ridiculous. There is no confirmation that my request has even been approved, and every time I call, I get a new answer to where my refund is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I have disputed an amount of {$1300.00} against XXXX with American Express. The transaction was in XX/XX/XXXX. I had returned the item and provided the return tracking info but the seller was still not refunding. The item received was missing parts. Then XXXX said they couldnt do anything bc its a third party seller and they are unresponsive. They suggested I dispute with AMEX. So I disputed with Amex back in XXXX and I received the credit. But later the credit was reversed and I wasnt given an explanation why. So I reopened again. This cycle of opening and closing and back and forth with XXXX and AMEX continued. So XXXX agent gave me the final answer that only AMEX can reverse the amount. But now Amex is telling me they can not do it because its past 30 days. Thats something new they told me today, XX/XX/XXXX. All these time they said they were reopening and investigation is in progress. I think this is u fair to give false information to the customer and keep dragging it to say 30 day period is over. There are chat history on my online account and all the phone calls I made to AMEX. I would really appreciate this resolved ASAP bc I am getting charged interest in my account and my credit score is being affected due to this. I sincerely look forward to hearing back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash App money transfer I made for {$300.00} on XX/XX/2022 @ XXXX EST was withdrawn from my bank account but the recipient never received it. Cash App refuses to refund the money. The receiver also contacted Cash App- they can not offer proof of completing the money transfer to the receiver ' s account name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: OH
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:
Equifax is showing a 60 day late inaccurately on my XXXX XXXX XXXX loan and I was able to get this corrected on the other 2 bureaus but not this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I told XXXX XXXXXXXX XXXX  that the debt a collection agency named XXXX XXXX for {$840.00} was not my debt, and that I was a victim of ID theft. They said they would close my account and send it for collection. 

Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX collection agency : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit.

THE FOLLOWING ACCOUNT IS IN VIOLATION:06 XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation