BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SCXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX XXXXXXXX  XXXX XXXX XXXX Balance XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX XXXX US DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX  USDOE/XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-10-19
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: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: GA
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 have written to Experian for the last 2 months asking them to validate my disputes with my sign. All I'm getting back is account has been validated. That doesn't not show proof I did it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I believe XXXX XXXX and Experian has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. 
I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. 
1. Proof of right to own/ collect this alleged debt 2. Balance claimed including all fees interest and penalties 3. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use Estoppel in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Upgrade, Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received two letters that were dated in XXXX stating I was past due. One letter stated I was 35 days past due and the second letter stated I was 25 days past due. I emailed customer support XX/XX/XXXX and they responded that on XX/XX/XXXX they only received a partial payment for XXXX causing me to still owe them. I looked on my payment history and contacted the XXXX XXXX who sends a monthly payment to them of XXXX monthly and they sent me a copy of all cashed checks mailed from them and none of the amounts were for XXXX and my upgrade payment history didnt show any payment for that amount was posted to the account. I sent the copy of the transaction ledger proving they have received all full monthly payments before the XXXX of the month. They then responded saying I missed a half of a payment on two different months which was untrue. I called the support number and spoke to XXXX who said I was set up on biweekly ACH drafts and when I started making monthly payments I missed a month where I would have gotten paid 3 times in a month and I only made 2 half payments instead of 3. I asked for documentation I signed stating it was contracted I have to pay bi weekly payments. He did not provide it and said I should have a copy. I advised the Truth in Lending Disclosure I was giving does not state anything that he was implying. I also asked for a signed copy of the contract I signed and he did not provide any information other than I owe 2 half payments. I asked for a supervisor and was transferred to XXXX who advised the same information already given from XXXX. I advised this is impacting my credit negatively and he said it wasn't because they do not report until over 30 days past due and claimed I was 25 days past due because I didn't make bi weekly payments and told me I needed to send him proof it hit my credit. He said he could offer me a hardship deferment to get my account back up to date. I told him I was not behind and I asked if the calls had been recorded and he said yes. I asked if they had copies of the email correspondence and he said yes and my account had been notated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The amount owned {$1800.00} but in hardship unable to pay this full amount to get the vehicle back... ..due to Financial hardship job lose wages government ... ..and want to dispute this amount {$1800.00}...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
After XXXX years of frequent and reliable transactions processing donations and payments for charitable work, PayPal has suddenly declined to do any more business with our XXXX certified nonprofit, XXXX XXXX. 

Reckoning Press publishes an award-winning literary magazine, Reckoning, which is focused on environmental justice. On XXXX XXXX, we sent a payment for a poem to a Palestinian-American author. Immediately after doing so, PayPal placed a limitation on our ability to open any new transactions while they audited our account, asking me ( the president of XXXX XXXX ) to send them a photo of my driver 's license, a copy of our last month 's checking account statement, and confirmation that we had shipped XXXX recent book orders that were paid for through PayPal. I sent this documentation as quickly as I was able, and upon receiving these documents, they reopened my account almost immediately. In fact, they emailed me at XXXXXXXX XXXX yesterday to confirm receipt of the documents, then again at XXXX XXXX to let me know " Your account has been restored ''. Today, I realized I had made a mistake and only sent the author half the amount agreed upon in the contract, so I opened a second, identical transaction via XXXX. Immediately upon processing this second payment, in literally the same minute, they permanently and irrevocably deactivated my account, offering no explanation as to why XXXX XXXX for recourse. Both the confirmation email for the transaction and the email notifying me that " Important : Account features have been deactivated '' are timestamped XXXX XXXX, XX/XX/2023. 

A member of Reckoning staff pointed out to me that XXXX apparently has some unreasonably restrictive " anti-terrorism '' policies. Here 's one article about it : https : XXXX  I can only conclude this is what happened : PayPal flagged XXXX XXXXAmerican contributor 's name as indicative that we must be funding terrorism. Obviously, this is absurd and XXXX. The contributor I'm referring to is a natural born American citizen currently resident in New York, and we're paying this author for a poem per our contractual obligation. 

But XXXX has provided no path to dispute their decision. There is copious documentation all over the internet of people with similar issues being ignored : https : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX So I feel I have no recourse but to open a complaint with the CFPB requesting that our account be reinstated. 

I'll include copies of their emails and the documentation I provided below. Please let me know if you need further information or proof. However, I would ask respectfully that our Palestinian-American contributor 's name be kept out of this complaint in order to protect their privacy and secure their safety. 

Thank you very much, -- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: MO
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:
Experian has my account so XX/XX/XXXXup, double bank accounts of the same account and much more

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 2023-11-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked flights from XXXX XXXX to XXXX XXXX through my credit card, Chase, on or about XX/XX/2023 for an itinerary of XXXX XXXX to XXXX XXXX. I paid additional funds to choose my seats both ways and selected XXXX. No where obvious did it say that I was not guaranteed these seats. I was shown a seat map, much like I would have if I booked directly with the airline, and paid fees that the airline would charge. I thought my fees being paid through Chase were going to the airline for my seats. When I went to view my travel through XXXX on XX/XX/2023, I was shocked to see I did not have seats assigned to me. I was unable to select any seats, except for upgrade seats, which were only two rows ahead of where I initially selected and paid for through Chase. I was forced to pay {$250.00} to XXXX to get guaranteed seats, as I did not want to be booted off the flight at the worst, or at best, be seated in a seat where I would be unable to sleep on a red eye and ruin the first day of visiting with family. 

I then called Chase who stated that those seat selections are just requests, and they charge for requests. They refused to remedy their bait and switch tactic and after searching the internet, this seems like a common situation, customers pay for seats, think they have them, then show up to their flight and do not. 

Chase is aware of the problem, but have not done anything to remove the feature - or at a minimum, remove the payment requirement. 

It is a shady tactic, and if customers were aware, they would book their seats directly with the airline. XXXX is doing this to get more money in their pocket and then refuse to do anything about. They would not even refund me the amount I spent with them. 

This tactic is deceitful and common practice and they are fully aware that customers are often unaware their payment for seats is doing nothing except lining XXXX 's bank account. Forums are full of similar stories. 

Imagine if they did this with flights and let you book the flight for the full cost through them, but not guarantee your booking will go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: DISCOVER BANK
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover Bank illegally and incorrectly reported several payments as late. As per the terms of the XXXX XXXX, their representatives misadvised that I would only be eligible to receive any payment relief/assistance programs/offers if I showed signs of hardship ( Missed Payments ) despite my reaching out to them ahead of being late on any payments to let them know that financial hardship was on the horizon. Under the sanctions of the XXXX XXXX, this is seen as any solution as misconduct, misinformation and unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Flexible Finance, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Flex Finance has been reporting inaccurate information to the credit bureau for months. I've disputed this account numerous times with XXXX and each time the account comes back as verified by the creditor without me receiving any documents proving their claims. I have provided proof that this account is being reported inaccurately and I've included documents showing the discrepancies from the creditor. This account is closed yet the account status changes to something different every time I file a dispute. This is against the FCRA laws to continue to report inaccurate information to the credit bureaus. It's been extremely stressful dealing with this because the company doesn't have a phone number, only form of communication is email and there's long periods between each email every time I've tried to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet Metro 2 standards. 

I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.

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 2023-11-15
Company: WELLS FARGO & COMPANY
State: MN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am an XXXX XXXX Military member. I have recently learned about the Service Member Civil Relief act. It had been unknown to me for quite some time. I submitted my most current XXXX XXXX orders to Wells Fargo over a secured line on XX/XX/XXXX. They have not updated the current intrest rate. I also have a Credit Card with them that they have not adjusted either. i have been on XXXX XXXX since XXXX. If I would have known about this then i would have submitted my paperwork earlier.

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 2023-03-25
Company: EQUIFAX, INC.
State: NY
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my account 2 days after opened and never gave me a reason, they just said wasninternal bank decision

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 2023-11-15
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SANTANDER CONSUMER USA, Account # XXXX Is reporting inaccurate information on my credit report, FCRA Law states Furnisher 's must report accurate information with all credit bureaus. Please remove or delete account INACCURACIES 1.BALANCE 2.LAST PAYMENT REPORTED 3.LAST DATE ACTIVE 4.PAYMENT STATUS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been trying to dispute and or pay this debt to get it off my report for months. I have left messages, emails, and waited for hours on hold multiple times. I can never get anyone on the phone or talk to anyone. 

It is account number XXXX For a XXXX XXXX XXXXI never received any phone call or mail initially regarding this debt. Only learned about it when applying for mortgage

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
incorrect personal information names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX employments XXXX Florida 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 non-monetary relief