BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-15
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have attempted since XX/XX/XXXX  to submit payments for my federal student loans. When I reached out to Edfinancial, they were not able to provide any details as to why my payments keep getting reversed. Interest continues to accrue on the full loan amount, despite attempting to payback the loans.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-15
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage company sent me a letter stating an error may have occurred when my loan was considered for payment assistance options and a check for {$200.00}. The error which occurred is not OK with me. It resulted in foreclosure and the loss of my home.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-02
Company: EQUIFAX, INC.
State: DE
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:
company has discharged this debt. I attached proof. I asked the company on XX/XX/2023 to send me my copy of my 1099c. I attached proof to this letter. company has refused to send the 1099c. as per the IRS instruction : If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or1040-SR. I attached the IRS form as well. company is still reporting this discharged debt to my consumer report. you can not report income to an consumer report as per the IRS guidelines. Company sold my personal information without my permission to a third party who can not legally collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of XXXX. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX I made a payment of {$700.00} for a booking on XXXX for the dates of XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. During the stay I had a couple issues with the lease hoder and the company themselves. For instanse, the neighbor next door made the stay a lot worse on the XXXX during the stay, when a party was taking it's lead to bigger factors involving illegal activity. XXXX XXXX XXXX  ( XXXX ) arrived to the location of the unit and ceased the event, but XXXX it resumed again with heavy traffic and loud noice and of course i reached back out to the host and I made another call to reported to XXXX. Every time I reached out to the host. I was ignored, felt like. Even though I was told if I needed anything they would be there to assist every way, however, the host was non responsive the entire weekend. XXXX  evening, the host decided to respond to let me know that they will report the disturbance to the Building Manager. I explan to the host due to the disturbance, it deffiently made the stay change from leisure to restless XXXX and XXXX Even with the request for clean towels or to come clean the room, it was returned as if I was a bother to them. When I reached out to XXXX and informed them about the stay and that I wanted my money back at least, because for one the trip was a worse experience, especially with the lack of communication from the host and company alone. I explained to the XXXX  that it wasn't right and that this isn't fair that I was ignored and that i didnt have any assistance with the concerning issues. I contacted Chime on XXXX XXXX  to file the dispute. On XXXX XXXX, Chime requested for me to upload my supporting documents for the dispute. On XXXX XXXX Chime emails me and states that they have completed the investigation and that the charge was not an error. ( not exactly what I disputed as ). So I requested for Chime to send me the documents used inthe determination for the final outcome on XX/XX/XXXX. Without any more notice, Chime declines again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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 the following companies have violated my rights XXXX open : XX/XX/XXXX, XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX XXXXXXXX open : XX/XX/XXXX, XXXX XXXX XXXX XXXX open : XX/XX/XXXX, XXXX  XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX openXXXX XXXX XXXX XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX : date ( s ) - XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
15 u.s.c 1681 section 602 a state I have the rights to privacy 15u.s.c 1681 604 a. Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This company is illegally reporting my experience with them in regard to both my car loan and the account I am currently an Authorized User on. 
FRCA 15 U.S. Code 1681a 2 ( A ) ( i )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: SC
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:
The reason for this complaint is because my credit was pull multiple times for the wrong reason! Need these off my credit report asap! 
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 2023-03-02
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:
I recently check my credit report and was surprised by multiple account and information that doesn't belong to me. I never applied to these companies or gave them my information. I don't know how this fraudulent information got on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT EMPLOYER XXXX XXXX XXXX XXXX XXXX INQUIRES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : Organization : 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 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account 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 explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to dispute the debt that XXXX XXXX is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, XXXX XXXX is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that XXXX XXXX immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from XXXX XXXX regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: AZ
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:
Per the FCRA as a Federally Protected Consumer I am now Opting Out of Any and All Authorization I the Consumer may have given said ( CEO 's ) and ( CFO 's ) Written/Unwritten, Verbal and Non-verbal 15 USC 6802-6805 , Privacy Act 1974. 

Amounts listed in uploaded documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Noticed my Synchrony Bank XXXX XXXX credit card account was closed without any notice in XXXX. Never missed a payment. I asked why my account was closed and was told it was due to my credit score. I asked where in my contract it stated that, and why I never received notice. Was then told there was nothing that could be done and was not given any further explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XXXX a fraudulent scammer requested funds {$50.00}, {$130.00} from my account. I declined the payment. After decline these payments to this fraudulent merchant there were two duplicate unauthorized payments two this merchant that were approved in error of the system. Cash App will not reverse these funds after multiple chats, phone call, and direct dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: TX
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:
on ExperianXXXX I am unable to submit my identity theft documents. I have tried multiple browsers and computers. I have also tried to send these documents in different accepted formats. There is not one who can help me from the company. The company claims that even though I have already mailed them this police report for identity theft that I must submit the documents with their broken website. I will attach these documents to this complaint for Experian to review.

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 2023-09-27
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Sub-product: Store credit 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:
This goes back to a previously filed complaint for I ordered an item on XXXX on XX/XX/XXXX. The item I received was not the item I ordered the wrong item and the device malfunctioned. It was not new as described and had been repaired with 3rd party parts. I requested to return the item on XX/XX/XXXX. I used PayPal credit as my payment method. I am disputing the purchase with PayPal so I can return the item. PayPal has given the seller to XX/XX/XXXX at XXXX TO RESPOND which they have not. I called PayPal on XX/XX/XXXX to see why I havent received any updates or response. They verbally gave me an address and told me to return it but the address has not been verified with the seller. I chatted with PayPal and they told me Not to return the item until the address has been verified with the seller. The seller it seems has not responded. If I do not receive an email with the correct address and is verified to return the item, I can not return something that has not been verified. I want a refund!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Westlake Services, LLC
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently purchased a house a few years ago and unfortunately I came across some damages that really needs some attention. I wanted to refinance my house to see about using some of my equity. I had to review my credit report in order to do this because my lender said it would be best if my scores were better than when I initially purchased. Upon checking my report I noticed some inquiries that I did not recognize. I have no knowledge of several Hard Inquiry on my credit report. According to 15 U.S.C. 1681 law states they have to be removed immediately, it is defamation of my character. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWESTLAKE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE 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 2023-12-16
Company: AMERICAN EXPRESS COMPANY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Sometime in XXXX someone applied for an American express card with my name and address they did not have the correct date of birth or employer XXXX I received in my mail and american express XXXX XXXX with XXXX limit! they did not check any of the info before initiating I got the card in my mail before they did I have become a victim of identity theft. I don't know how they get my mail. I live in an apartment, I have the only key to the mailbox. They are either getting into the box or someone through postal service is intercepting my mail. 

They also applied to XXXX XXXX and got a card. I only found out because the bank later sent me the letter with the pin and I got it first. They also applied for my husband and another woman probably fake name. My husband got the notice to come pick up the card. Filed a fraud complaint. 

They intercepted my XXXX XXXX card that was sent to me and used it up to XXXX $ this XX/XX/XXXX different locations. In person purchases. 

So far all cards are now cancelled. 

I am just wondering how they can send out a card without checking the accuracy of the information I have filed with local police but they are swamped with similar complaints

Company response to consumer: Closed with explanation