BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-16
Company: Experian Information Solutions Inc.
State: AL
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 reviewed my credit report and it is reflecting a Bankruptcy which is in error as I have never filed for bankruptcy. The docket number reported is 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 2022-12-23
Company: Experian Information Solutions Inc.
State: NC
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:
Consider this as a follow-up request to my previous attempt to clarify my credit report. The erroneous account that still lingers on my profile has not yet been validated. I have not yet received a notification regarding this matter. I am Including the aforementioned account : XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: AL
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 : Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, and 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 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
Consumer complaint received 2019-12-16
Company: Google Compare Credit Cards Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$10.00} gift card for XXXX XXXX. I gave it to my wife as a XXXX XXXX XXXX. The card says it was issued and copyrighted in XX/XX/2012. The card also says : " No fees or expiration date applicable to this card. '' My wife put the card away and came across it today and another similar card. 

She was able to redeem the other card but this one I am complaining about initially said it was accepted and then said it had expired. 

I called XXXX and they told me that they had trouble with scammers and now their cards have an expiration date and they decided to retroactively apply this policy to all cards. 

It's only {$10.00} but the idea that they can announce that a card that says, " No fees or expiration date applicable to this card. '' is now expired seems wrong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions 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:
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 COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX Balance : {$100.00}, XXXX XXXXXXXX XXXX Balance : {$57.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX XX/XX/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 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 an alleged identity theft, not later than 4 business days after 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 explanation
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit 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:
XX/XX/XXXX purchased two airlines tickets from XXXX, XXXX to XXXX, PA on XXXX for {$620.00} each. 

Flight purchased from XXXX XXXX detail : Conf # XXXX XXXX, XX/XX/XXXX XXXX  XXXX from XXXX to XXXX, GA departing XXXX, arriving XXXX XXXX  XXXX from XXXX to XXXX, PA departing XXXX, arriving XXXX On the day of the trip, we received an email from XXXX stating that the flight from XXXX was delayed by almost two hours. XXXX customer service sent a message stating that we would miss our connection and suggested that we rebook our flight. 

XXXX said they were unable to help us, as we initially booked and paid XXXX. XXXX said they were unable to help because it was a XXXX flight. Of note, for six hours, I was only able to connect with the airlines over text messaging as they never answered the phone. 

As a result, we booked a more expensive flight home and had to fly into XXXX, NJ and pay for a car to take us to XXXX. 

I filed a refund request with XXXX. They said I should file it with XXXX. XXXX said I should file it with XXXX. XXXX has not responded to anything. This has been going on for almost five months. 

I filed a dispute for both tickets with Chase XXXX XXXX XXXX. They refunded one of the two tickets. The other ticket ( {$620.00} ) was disputed twice and Chase continues to say that they decline the dispute. One time they said it was because we didn't present for the flight. That's not true. XXXX told us to rebook, yet gave us no rebooking options or help. They had no other flights that day and after six hours of begging for help, we booked on another airlines. 

I have called Chase several times and spoken with the people in their local office about our dispute ( Claim XXXX ) and they refuse to do right by us. 

We our outstanding Chase customers with excellent credit ratings. We have tried our best to get the Airlines to do right, but they won't since Chase has ruled in their favor. 

Chase is not serving us, instead they are serving XXXX whom we paid but did not deliver a flight home for us. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: On Q Financial
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX, I attempted to obtain a mortgage refinance from a conventional loan lender ( On Q Mortgage, Mortgage Lender Servicer License # XXXX ) on an existing mortgage held by a family member who deeded our home ( located in the state Florida ) to myself and my partner. 

The mortgage to be originated was underwritten to XXXX XXXX underwriting guidelines. XXXX XXXX  guidelines stipulate any outstanding judgements must be paid prior to or at closing. I am associated with two in rem judgements from the foreclosure of a property ( located in Illinois ) in XXXX. Per Illinois statute, I am not liable nor responsible for the judgements in question, as they were satisfied by XXXX of the property. The foreclosure these judgements related to was disclosed during the application process for the mortgage in question ( and the associated negative trade line removed from my credit file by XXXX XXXX XXXX as part of its settlement with the US government ). 

To close and fund the mortgage ( which had received a conditional approval ), a representative of the lender stated that I would need to bring {$3500.00} ( which it was not made clear how this amount was determined ) to closing to be disbursed at an unknown future date to the judgement holder if they could be located. I again communicated that the in rem judgements in question had ben satisfied, and requested what documentation would be accepted to demonstrate this. I was told by a representative of the company no documentation nor an attorney opinion letter would be accepted. I indicated that I was not interested in providing funds for judgements that were legally considered satisfied, and requested a refund of my appraisal that was ordered and required by On Q as part of the refinance process. I was told no refund would be provided. 

To confirm I was not responsible for the judgements in question, a judgement search was performed by XXXX XXXX XXXX, confirming no outstanding judgements existed. I have attached the title commitment XXXX XXXX XXXX provided, as well as the email from my attorney confirming this. 

I believe the actions taken by On Q violate the Consumer Financial Protection Act ( CFPA ) with regard to its prohibitions against unfair and deceptive acts or practices, as well as the legal doctrine of promissory estoppel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29
Company: SYNCHRONY FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Once again, I find it necessary to complain about a problem I am having with Synchrony Bank, Servicer for Pay Pal, Inc regarding suspected charges ( {$19.00} and {$49.00} for " XXXX  '' ). This time, Pay Pal referred me to a phone number at Synchrony which, at first could not identify my account and subsequently cut off the calls. This is not the first time I have found it necessary to complain about this institution - refer to XXXX ( misapplied payment never resolved ), XXXX ( improper Credit Bureau hard inquiry ) and XXXX ( unauthorized charge ) to name three recent issues. Since I am finding it to be impossible to work with Synchrony Bank, this asks for assistance in obtaining credits for these charges.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
XXXX XX/XX/2022

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Unrecognizable credit inquiry on report from this company XXXX ( Finance ) XX/XX/2022 Please remove inquiry for credit report.

Company response to consumer: In progress
Consumer complaint received 2022-12-23
Company: United PanAm Financial Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Im getting repeated calls from these people Im explaining I dont owe the amount Im being accused of because they had the car repossessed and it was left in a tow yard they never went to get what they towed and the sale of the vehicle wasnt deducted per United States Uniform Commercial Code 9-609 I was told I bit to pay the debt willingly or face charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2020-08-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I purchased my home at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX in XXXX. I paid off my home to World Savings Bank in XXXX and XXXX. 
After the World savings Bank Wachovia tried to foreclose our home we send them the Pay off documents and they went away. Years later. Wells Fargo bank NA recorded forged documents at the county In XXXX and stole my home on XX/XX/XXXX. Wells Fargo has no shame and they recorded forged documents with IRS indicating that I Abandon my home. I took Wells Fargo bank NA in XXXX to court and were in court under an injunction when they stole my home and shamelessly evicted me and children forcefully from my Paid off home. These criminals are not above the law and the pain and hardship that they have caused on a hard working us should not go without them being punished for their crime.Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: PA
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:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation