BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Experian Information Solutions 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:
I previously disputed an account on my credit report and the item came back as verified. 

I disagreed with this outcome as I remember paying this account and the creditor is reporting incorrectly. 

I requested a method of verification proving an independent investigation was completed in accordance with FCRA. 

The item came back as updated, but how can that be when everything is exactly the same. They also did not provide me with how they verified this account to be accurate. 

This is a clear violation of the FCRA and I demand this item be deleted from my credit report.l immediately. 

Account # XXXX - XXXX XXXX XXXX I have attached a before and after picture of the so called update that shows everything exactly the same.

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 2022-12-17
Company: EQUIFAX, INC.
State: CA
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: MD
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:
On XX/XX/2023, I checked into the XXXX XXXX XXXX for a business trip. The hotel asked to charge my card for incidentals as my employer prepaid for the lodging. However, the hotel charged me {$550.00} as well as my employer. I've been working diligently with Chase to resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent XXXX XXXX XXXX a certified letter dated for XX/XX/18. My credit report has an account listed owing {$290.00}. XXXX removed this error with no issues, but Transunion and XXXX have not. I disputed this account several times because I did not open it. My social security number was placed on XXXX by an unnamed individual seeking revenge against me. There were several accounts open without my permission. I completed an identity theft report and forwarded it to XXXX XXXX, along with my driver 's license and social security card. They have refused to remove this error, even after receiving documentation. I am concerned that they will continue to ruin my credit with the continue reporting of fraudulent 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 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 2020-10-05
Company: GOLDMAN SACHS BANK USA
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Saturday XX/XX/2020 closed my account, and transferred money out of my account at Marcus goldman Sachs. Been on the phone with them everyday, and long hold times, no one there knows why the account won't close or why the money will not transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance information is inaccurate and holds no merit and the total amount was not {$18000.00}. The owner and holder of the loan was XXXX XXXXXXXX XXXX XXXX. This Government Agency held my loan from XX/XX/XXXX to XX/XX/XXXX which is the payoff date. Selene Finance did not own or was the holder of the loan. Attached to this complaint is the legal document that is certified and notarized as evidence, XXXX XXXXXXXX XXXX XXXX, SATISFACTION OF MORTGAGE NOTE AND LOAN MODIFICATION AGREEMENT. Let me reiterate that this loan was owned by a Government Agency and was not held by Selene Finance. Therefore Selene Finance can not contest a legal dcoument that has been filed with the XXXX XXXX XXXX XXXX. In XXXX, Selene Finance did not have any authority to offer any modifications because legally Selene Finance did not own the loan and there was already a modification in place though XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent is engaging in harassing and aggressive tactics. Moreover, Resurgent will not provide any validation of the debt. This collection activity is in violation of the FDCPA and they should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( 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. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, 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:
I received an updated copy of my XXXX credit report which shown a hard inquiry from Bank of America on XX/XX/2018 which I did not authorize. Bank of America has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX   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 2023-08-21
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My father, the primary holder on the account passed away XX/XX/2022. I have been trying to access his mortgage account since that time. I have been making payments on the account but need to speak with someone to understand the loan details. They will not speak to me even after submitting paperwork from my attorney and probate court. I repeatedly call in and they tell me to call back in 72 hours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Disputed an item on my credit XXXX removed it. XXXX and XXXX did not, and when i sent a letter on why it wasnt removed they added it back on to my transunion. if it was removed all three should of removed it not add it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I paid {$19000.00} for the XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX using my American Express card through XXXX XXXX XX/XX/XXXX attaching the Contract that was executed on XX/XX/XXXX outlining the terms of the agreement. This indicated to me that I received a Contract for Services, including the 9-day cancellation clause. The vendor ( XXXX ) was very slow to respond immediately, which raised a few red flags for me. I submitted my cancellation and refund requests MULTIPLE times and the vendor has ignored them. I filed a dispute with American Express to no avail. 

I thought the cancellation clause offered plenty of protection in case they didnt deliver on the account setup promise, in addition to me paying with my American Express card. I thought I will have purchase protection. Unfortunately, this is not proving to be the case. The payment processor, XXXX, has indicated that the payor waives the right to any disputes, and they will not honor the terms of the contract with XXXX XXXX, even upon submission of all of the documentation that supports the company 's scam and fraudulent activities. I found numerous complaints filed with the XXXX from disgruntled clients who have fallen victim, all of which are unanswered and unresolved. In addition, I found a few others who fell victim. I was able to locate one of them who confirmed he in fact was scammed as well and that there were several others American Express has failed to uphold consumer protection as well, even after submitting all of the communication, proof of cancellation, and the contract due to XXXXXXXX XXXX position. 

I have complaints filed with the FTC and the FL Dept of Agriculture and Consumer Services and plan to contact the FL District Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has issued a fraudulent collection bill. The company EOS XXXX is attempting to collect and has been unable to provide any debt validation. They continue to add and remove the account from credit reporting, despite their inability to validate the debt and provide the documents I have requested on multiple occasions. The response I received is vague, and in no way debt validation. I have attached my request, sent XXXX XXXX and the inappropriate response I received from EOS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I will make sure to clarify that I am able to verify my identity and login to my ( free ) experian account. I AM ABLE TO VIEW, THAW, LOCK, OR UNLOCK MY FREEEEEEE EXPERIAN ACCOUNT. WHEN APPLYING TO LENDERS or MOST RECENT APPLICATIONS FOR APT 'S. HOWEVERRRRRRRRR DESPITE THE FACT I REPEAT THE FACT THAT I HAVE ACCOUNTS IN GOOD STANDING.GOOD HISTORY, ON TIME BILL PAYMENTS & 0 DEBT. EXPERIAN WILL ( IN YEARS WILL NOT ) ( EXPERIAN ) NOT RAISE MY CREDIT FOR YEARS. BUT XXXX, XXXX XXXX ( XXXX, XXXX MONITOR MY IDENTITY, SEND ME UPDATES BUT EXPERIAN DOES NOT! I SETUP FRAUD ALERTS TO MY EXPERIAN SINCE XXXX. ( HAVE DISPUTED ADDRESSES, NAMES, LOCATIONS ETC ) I HAVE TO PAY EXPERIAN WHO WORKS FOR THE GOVERNMENT TO BOOST MY CREDIT SCORE, REVEAL MY BANK INFO ( WHEN I NOTICED MORE FRAUD TO MY IDENTITY, BANK BECAUSE OF EXPERIAN BOOST, IDENTITY WORKS ) A PERSON POSING AS ME MADE CONTACT WITH EXPERIAN TO GAIN ACCESS TO MY IDENTITY, THE FRAUDSTER CREATED A EXPERIAN IDENTITY WORKS TO DUPLICATE MY IDENTITY TO KNOW MY WHERABOUTS, INCLUDING LOCATION, A XXXX XXXX ADDRESS I DID NOT RECOGNIZE ( it took 2 + years to XXXX  XXXX, EXPERIAN from XXXX to XXXX to remove this address ). EXPERIAN WILL NOT RAISE MY SCORE WITH GOOD REPORT HISTORY SUBMITTED TO EXPERIAN. I UNLOCK MY EXPERIAN WITH MY GOOD HISTORY TO APPLY SINCE XXXX OF XXXX, HAVE NOT BEEN ABLE TO HAVE APPLICATIONS SUBMITTED TO VERIFY MY BACKGROUND WHY BECAUSE DESPITE THE FACT I CAN UNLOCK OR THAW MY FREE EXPERIAN BUT EXPERIAN & TECHNICAL WILL NOT ALLOW MY EXPERIAN REPORT TO BE VIEWED OR SEEN. I WILL SAY THIS AGAIN ( I CAN ) THAW, UNLOCK MY EXPERIAN, STILL RECEIVING LETTERS THAT BECAUSE OF EXPERIAN ERROR & UNABLE TO APPROVE FOR APT & ETC. I DO NOT WANT TO LIVE IN A HOTEL OR STREET! 2. A XXXX XXXX I WAS NOTIFIED IN XX/XX/XXXX was to be removed due to my proof, police report. IT IS REMOVED WITH OTHER CREDIT BURUEAS BUT EXPERIAN WILL NOT REMOVE. How strange.unsusual unrecognized with my identity, within split seconds ( like they just brushed it off ) " emails '' ( from experian ) that disputes are complete but takes at least 60 days!

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 2020-10-05
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2018-10-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2018 I called Wells fargo Dealer Services to make a payment of {$140.00}. I was told by the representative that my account was in repossession phase and that they would not accept my payment. I asked to speak to a manager. I told him that I had made arrangement to pay on XX/XX/2018 but I was working and could not make it into a branch. 
He told me that Wells Fargo would not accept less than {$500.00} and it had to be iaid in 7 days ( He never specified weather he meant 7 business days or just 7 days ) On XX/XX/2018 my car was repossessed. I called into Wells fargo Office of the President and created a case on XX/XX/2018. I have been told on XX/XX/2018 that the person handling my case " isn't there '' so it had been passed on to someone else. I am losing money per my inability to travel to work now.

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 2020-10-05
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$4000.00} / XX/XX/2022 XXXX / {$6500.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This started back in XX/XX/XXXXor XX/XX/XXXX and ERC opened an account that showed up on my credit reports for {$1800.00}. I have repeatedly tried to explain that this is not my account and that XXXX XXXX stole my identity just like he did with a car loan, XXXX XXXX   account, and XXXX XXXX. They keep refiling this so it will stay on my credit report even though I have told them time and time again that it is not mine. I live in XXXX XXXX and my only name is XXXX XXXX XXXX. He applied for credit with a name XXXX XXXX. That is not now nor ever been my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation