BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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
Consumer complaint received 2018-05-25
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I sent an letter on XX/XX/2018 advising that I was revoking authorization to debit my account. I sent the letter certified mail tracking number XXXX. I also placed a stop payment on my account to my account from being debited however, they debited my account anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Block, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unauthorized eft transactions, numerous amounts that were illegal denied and not properly documented and not properly investigated. And Ive reported them to the cfpb before and not only have nothing been done, but now theres more cases with exact same company that I started having these issues with back in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested my PMI be deleted due to owing less than XXXX and a recent appraisal of 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 2022-08-19
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
creditor did not have permission to contact my employer directly. I never gave them my email address or work phone info in a totally different state. 
I do not owe the original creditor ; yet they are still doing this repeatedly because of the actions of their own employee- who picked up the keys and fob of the apartment and had a party ( neighbors witnessed ). They then charged me with an additional month 's rent and cleaning fees. When I refused and provided proof I was accused of lying and that they should have never rented to " people like me, in the first place. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I signed up for a " sales program '' to learn the skill set of sales and closing. this program is called, " XXXX XXXXXXXX XXXX XXXX XXXX '' this costs {$7500.00}. which i am financing, and am bonded to a contract. some how i was upsold to one of XXXX programs called the XXXX XXXX XXXX XXXX  which required a down payment of {$10000.00} of my own money. i should have asked questions before i signed anything which was a mistake of mine but i've come to realize that this XXXX XXXX program isn't for me. it made absolutely no sense to me and i asked to resign which they have allowed me to, but won't give me back my refund. the person that upsold me should have explained to me what was to be expected when i signed up but i have come to realized he sold me on my own hopes and dreams. they told me that there has been an exchange of service on their end so they don't want to refund me. this company uses a carefully crafted script to sell people on their hopes and dreams in order to buy into their " product '' which is the sales program aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX to solve their problems. once you've signed up for this program, his " sales team '' up sells you on his other " products '' which cost more for his " coaching. '' this academy claims to help people learn the " skill set '' of " sales and closing '' in order to close high ticket deals which allows you to make big commissions from whatever company you are hired for down the road. this academy guarantees job placement with one of his " multi-million dollar partnerships '' after completion of his program. this is not true. his partnerships are people that have bought into his program, XXXX XXXX, which are people that are paying XXXX for his leads and now selling his " products and services '' which is his academy and coaching services. this is a complete mlm scam and pyramid scheme because there is no real product or service. students are being incentivized for selling this product, " XXXX XXXX XXXX XXXX XXXX, '' or upsold his higher priced coaching programs. either way, there is no real product or service. his program lures unsuspecting, innocent people in with claims that students will see a " return on investment '' within 30-90 days, being able to leave your 9-5 job, being able to work anywhere from home with just a laptop or sell phone, being able to make XXXX a month or 6 figures a year. after i have completed his program i realize what a big scam and pyramid scheme this is and this needs to stop. he is preying upon innocent people who think they will make XXXX a month, leaving their careers to try and make money selling his fake program only to get him richer. i have attempted to get a refund only to told to not give up and that i will make my money back...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MD
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 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX XXXX : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: OH
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 DID NOT AUTHORIZE NOR HAVE ANY KNOWLEDGE OF ALLEGED DEBT BEING REPORT TO OR FURNISHED TO ANY CRA 'S LISTED BELOW. I HAVE REQUESTED SEVERAL TIMES TO BE FURNISHED WITH ORIGINAL DOCUMENTS TO SUPPORT THE INFORMATION THAT IS BEING REPORTED ON MY CREDIT PROFILE AND AS OF TODAY, THEY HAVE NOT. BOTH CRA 'S AND CREDITORS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ..... 
US DEPT OF ED # XXXX ..... 
US DEPT OF ED # XXXX ..... 
UD DEPT OF ED # 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 2022-07-27
Company: SYNCHRONY FINANCIAL
State: GA
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:
Synchrony has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by Synchrony before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Synchrony to furnish any late payments to my consumer report. It is my belief that due to Synchrony business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. 
I have contacted Synchrony close to 16 times through out the past eight months when the accounts in question appeared on my credit reports causing me to be denied for home loans/refinancing of my car and various other credit applications as a result. 
I have formally written letters requesting investigation with each of the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), without a resolution or proof of investigation.

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 2021-06-02
Company: GOLDMAN SACHS BANK USA
State: TN
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:
On XX/XX/2021 a fraudulent charge was made against my Apple Card by a merchant listed only as XXXX in the amount of {$340.00} I disputed the transaction on XX/XX/2021 at which time Apple gave me a provision adjustment. 

With no further communication, they reversed the credit on XX/XX/2021. 

I have no records of this purchase and Apple has provided no evidence to support their reversal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: MI
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 have sent numerous letters to XXXX, Experian and XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 about inaccurate credit reporting between the 3 agencies via certified mail. I have never received back any correspondence and the errors are still reporting.

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 2022-07-27
Company: Kriya Capital, LLC
State: IL
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 received an alert from XXXX that Credence Resource Management has flagged my credit report for collection. I have NEVER received any correspondence regarding this. No one has called, emailed, or sent anything to me in the mail to tell me what this is regarding. My credit report notes that it is connected to XXXX XXXX XXXX but I switched from them in XX/XX/2021 and paid all that was owed. When I called Credence to get more information, the agent said they had nothing in their system matching my name and address. Even after my call, I have yet to receive any contact from them yet this is still on my credit report and affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: American Collections Enterprise, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a refusal to pay an alleged debt! AMERICAN COLLECTIONS XXXX claims that I am obligated to pay them an alleged debt associated with account # : XXXX. AMERICAN COLLECTIONS XXXX shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If AMERICAN COLLECTIONS XXXX can not provide the original instrument or proof that it still exists, then AMERICAN COLLECTIONS XXXX shall send me an original statement affirming that AMERICAN COLLECTIONS XXXX did not sell the original instrument because if AMERICAN COLLECTIONS XXXX didn't sell the original signed instrument of indebtedness ; then AMERICAN COLLECTIONS XXXX should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when AMERICAN COLLECTIONS XXXX produces the original instrument or proof that it has not been sold, which proves that I am obligated to AMERICAN COLLECTIONS XXXX. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX XXXX XXXX, and AMERICAN COLLECTIONS XXXX that shows I agreed to do business with AMERICAN COLLECTIONS XXXX along with XXXX XXXX XXXX XXXX or on behalf of XXXX XXXX XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX account # XXXX has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance being innacurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX, 2022 there was a charge for {$2100.00} on my debit card which I did not authorize. I was on vacation in XXXX during this time. ( Cant be in two places at once ) I advised Citibank of the problem, filed a dispute, which they denied. On XXXX, 2022, on advisement from Citibank XXXX I faxed all supporting documents. I did so on three occasions. Citibank claims they have not received any documentation and refuse to cooperate.

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 2022-06-06
Company: Experian Information Solutions 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 got a delinquent loan on my credit report stating that I had a {$390.00} balance for XXXX. Im confused because I have not used XXXX at all. My XXXX has recently been giving me notifications saying that my data has been compromised. Im worried that I may be at risk for identity theft. I did not open this XXXX account and I did not use it to purchase anything.

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 2021-09-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently reviewed my credit report and found that the last four digits of my social security number are being reported incorrectly on my Experian credit report. Because of this error my Experian credit report does not generate a credit score and several items that do not belong to me appear on my credit report. I am attaching a copy of my social security card that shows the correct social security number. I am also attaching a copy of my current state photo ID and birth certificate. I am disputing the social security number that Experian has on file. I am also disputing the following two accounts that do not belong to me and are showing on my credit report due to the incorrect social security number that Experian has on file. The two accounts I am disputing due to the incorrect social security number are : XXXX XXXX XXXX  : Balance {$900.00}. The second account I am disputing due to the incorrect social security number is : XXXX XXXX XXXX : Balance {$19000.00}.

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 explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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