BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed XXXX XXXX  Bankruptcy on XX/XX/XXXX. XXXX XXXX XXXX  is reporting my Payment Status on all three credit bureaus account as a collection/charge off as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Account information incorrect

Complaint:
The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of 2007. I did not. No mono was requested or received for education as a loan or grant. I was not attending any college, university or trade school. I was not a student at this time.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have not been able to retrieve my credit report, in months, due to ALL 3 bureaus having various, reporting the wrong addresses.

I need my current address to be updated.

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 2023-05-02
Company: CAINE & WEINER COMPANY, INC.
State: FL
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:
the following companies failed to respond to my debt validation letter. I have no knowledge of the following collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was a victim of fraud in my Wells Fargo bank accounts. Someone obtained my identity and deposited several fake money orders to my account. The fuel lost my email

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: NE
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:
report shows incorrect amount owed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-08-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I traveled with a friend to XXXX and XXXX  in late XX/XX/2018 and stayed at an XXXX apartment in XXXX XXXX ( 4 nights booked ) and at an apartment in XXXX, XXXX ( 5 nights booked ), and I paid for the entire expense on my Chase credit card, which carries trip interruption insurance benefits. My friend reimbursed me for half the lodging expense, as we were splitting the cost of lodging 50/50.

Two days into the trip, I received word that my mother had suffered a XXXX and was in XXXX XXXX in a XXXX hospital. I rushed back from XXXX  to XXXX ( where I live ). I used only two nights lodging at XXXX XXXX and none of the lodging in XXXX XXXX.

I reviewed the Guide to Benefits published by Chase for my credit card and qualified under the criteria for a trip interruption claim. I claimed half of my expenses for the unused portion of my lodging ( i.e., I made a claim for half the expenses of two nights ' lodging lost in XXXX and half of 5 nights ' lodging in XXXX ).

Chase Card Benefits denied my claim, stating that because my travel companion used the lodging, I was not entitled to reimbursement of my share of the expenses. They cited a provision in their plan of benefits stating that Chase would " reimburse for the unused non-refundable land, air and/or sea arrangements, '' stating that because someone in my party used the lodging, they could not reimburse my claim.

I was the insured, a qualifying event caused my trip interruption, and my portion of the apartment that i paid for was " unused '' by me, the insured There is nothing in the Chase Guide of Benefits that imposes an additional requirement on me to prove that no one in my travel party used their portion of the shared accommodation. Chase has denied my insurance coverage in bad faith by imposing additional conditions to my making a claim that are not included in their Guide to Benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a vehicle from US Auto Sales in XX/XX/XXXX. The first 2 months I had no issues. So, I went to try and trade my car in because US Auto Sales wanted nothing to do with me once I purchased my vehicle. If i was not calling about making a payment, they were very dismissive. I ended up taking my car to XXXX and XXXX and they stated they wouldn't be able to take the car without $ XXXX or better because the car has so much negative equity. I showed my contract that I had with US Auto Sales and almost everyone said the exact the same thing. When informed, I was overpriced and my payments are excessive, I immediately called US Auto Sales. Again, I was dismissed and actually hung up on a few times. I've always said after that experience I would NEVER refer ANYONE to them. The times I would make my payment, my car would beep and then be off by the next morning. They've turned my car off on me at gas stations, work, doctors appointments, and i wasn't even past due just a " system error '' on their end. It was always something with them. And here they are now facing a lawsuit. WELL DESERVED! I knew something was not right about them, but they were literally the only company that approved me, when I was in XXXX need of a car. They prey on vulnerable individual 's. {$480.00} sometimes when i would call it would be {$590.00} A MONTH for a XXXX XXXX XXXX and was priced for {$23000.00}. If I knew THEN, what I know now I wouldn't be filing a complaint. Thank you all for taking action against this company, I'm grateful for that alone, clearly they've been doing this for a very long time.

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 2022-01-24
Company: Omega RMS, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. I checked my credit report and there is a medical debt listed on my report that does not belong to me. Thus far I have tried to dispute the debt to get removed from my credit report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
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 am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are 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 explanation
Consumer complaint received 2023-05-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Attempted to open a savings account and it went to review for verification. XX/XX/23 received a call and a voicemail to verify I called back and after 2 hours on hold basically told by multiple Goldman Sachs reps they theyd dont know what the problem is and that for some reason my phone number on the app all though it is my phone number is not correct and they dont know what the resolution is to open the account or why it can not be opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute to both Equifax and XXXX online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, XXXX informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. Equifax appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ Equifax 's ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- Equifax and XXXX -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if XXXX and Equifax want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are XXXX and Equifax using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The reporting of these account ( s ) is/are violations of 15 USC 168la , The Fair Credit Reporting Act [ 15 USC g1681 ( 0 ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, driver 's license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these account be deleted right away from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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:
Inquiries not made by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.

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 2023-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 paid XXXX XXXX XXXX off of XX/XX/2021 they have that I did not pay them off and this account is too old to be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CITIBANK, N.A.
State: TX
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:
XX/XX/XXXX  - fraudulent transaction of {$690.00} XX/XX/XXXX  - received monthly billing statement, alerted Home Depot of the fraudulent transaction XX/XX/XXXX  - Home Depot acknowledges claim A few months pass. Home Depot initially reverses the charges, but in XXXX deems us liable for the transaction. 

XXXX and XX/XX/- we discover that a new credit card had been mailed to us, activated and used without our permission ( we still had the old credit card in our possession ). We send evidence via a police report and USPS claim of mail theft, including of the new credit card from XX/XX/XXXX. Pending response from Home Depot. 

They are holding us liable for the initial fraudulent transaction of {$690.00} and three months of late fees at this point.

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 2023-05-02
Company: V and H Portfolio
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that a new collection account was added to my XXXX and XXXX credit reports. The company, VANCE AND HUFFMAN LLC, listed a debt owed, for original creditor, XXXX XXXX. 
The issues here are, this account has dropped my credit score. I was not made aware of the debt. I was not provided with formal communication ; a written letter explaining what the debt is for and my rights to dispute and or request debt validation. As according to the FDCPA. 
This account was added on XXXX XXXX. I received nothing in prior months from either company associated with this debt. I have lived at the same address for XXXX years. It is apparent, no attempts were made, in order to verify or justify any of what was reported to the bureaus listed. 

I have had many issues in the past, with accounts being opened with my information, as my wallet, that included driver 's license, checkbook, social security card, and children 's social security card, was stolen at a gas station. There has been a police report on file with all three bureaus. I will not admit to a debt that I has not been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am XXXX years old, the site tried to identify me and suggested that i had a mortgage since XX/XX/XXXX and car loan in XX/XX/XXXX under my name!!! I 'm XXXX never had any credit. I ca n't even pull my report to dispute things because I ca n't identify the lenders of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: IN
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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: WI
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:
Eauifax has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief