BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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

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 2020-06-13
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
Ive found several errors on my credit report that I've disputed several times with no change to my credit reports. It's my understanding that as a contracted data furnisher, youre legally required to only report AUD cerified completely accurate information according to the FCRA and reporting inaccurate incomplete information across the credit reporting agencies is a violation. 

SantanderConsumer USA Account # XXXX Santander Consumer USA Please be advised this is my Third WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify and validate that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
I'm not accepting a statement of this account being verified and validated, but would need validation verification. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: 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 explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: MD
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:
Equifax, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX . This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with XXXX ( XXXX ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXX while I have paid and have my receipt. Equifax DO NOT PLAY THEIR GAME! XXXX is probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Equifax, update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning!! As you can see, I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too ; I have proof of everything I say. Again update my credit history to how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything nor anybody on this earth and the universe except GOD and HE is by my side!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
In late XXXX, I purchased a television off the Internet. It arrived about a week later however, the person that sold it to me sent a different television that had a broken screen. I opened up a return with the vendor, and sent the television back, but I never received a refund. I filed a dispute for this charge in the amount of {$1200.00} on XX/XX/XXXX of XXXX. American Express removed the charge for my account, and then re-charge my account without authorization about two months later. This is because the vendor provided evidence to American Express that claims that a different television was received. I believe this evidence was falsified so they could attempt to retain the disputed amount fraudulently. 

I am very dissatisfied with American Express for accepting this evidence is genuine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent Experian a letter informing them of unauthorized collection on my consumer report. I requested them to be removed from my consumer report they have not responded back to 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 2020-06-13
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020, I contacted Chrysler Capital requesting a deferment of my loan payment due to the events surrounding the COVID-19 epidemic. I was told by the representative that I would be able to defer for three months and the paperwork would be sent to me in the mail. On XX/XX/XXXX my monthly invoice noted that I was 2 months late. I immediately called Chrysler Finance and was informed that the the representative never initiated my deferment. I was then told that it would be initiated during this call and I agreed to make the XXXX payment in lieu of my financial situation. They again reassured me that the paperwork would be sent. I called on XXXX to check on the deferment status and was told for a second time that the deferment was not initiated by the second representative and that my account was 59 days delinquent. I then asked to speak to a supervisor. The supervisor said that they would investigate the matter further and get back to me on the following next business day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no knowledge of the accounts and inquiries 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name XXXX XXXX, Account # XXXX Account Name XXXX, Account # XXXX, Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 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 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 2022-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RE : XXXX XXXX XXXX account opened in XX/XX/XXXX The account status is reporting as " XXXX XXXX XXXX This account was settled for {$5000.00} CASH on XX/XX/XXXX and there have no late payments since XX/XX/XXXX. In both XX/XX/XXXX and XX/XX/XXXX I have made multiple written requests for a copy of the finance contract and the payment history that proves the account status that is being reported and they have failed to provide any evidence as such. I have attached a copy of my Drivers License, a current utility bill and the bank statement that proves this account was PAID in XX/XX/XXXX and the status should reflect as a PAID account according to the evidence I have provided. If you are unable to gather any other evidence to the contrary of my claim ; then you must update the payment status or delete the account in it's entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My brokerage account was down - {$10000.00} at market close. At that time I was issued a Brokerage Account Deficit for {$400.00}. In after hours the drawdown was reduced to - {$6300.00}. The account deficit was not recalculated. At XXXX I was issued a margin call by email for {$400.00}. ( Note, that there is no deficit at this time, as it was completely covered by the after hours change. ) At midnight my account inexplicably went + {$4200.00}. The application then showed both a brokerage account deficit and a margin call, for different and inverted amounts ( The email and the app have the margin call for different values ), despite the fact that there is no deficit at all. 
This is just one example of the nonsensical information that robinhood has been displaying to me for months. I have been complaining constantly, and they refuse to even comprehend my complaints, and they lie about the nature of my inquiries to the regulators that I complain to. They then force sell my securities based on fraudulent margin calls. I will likely have trading restrictions tomorrow and they may sell something and claim that I left a margin call open so they can. There is no deficit, and by robinhood 's own rules I can not have both an account deficit and a margin call, because account deficits are converted to margin calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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: Their investigation did not fix an error on your report

Complaint:
I paid XXXX XXXX XXXX and still showing not paid after 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX and XXXX XXXX which was transferred from my wallet utilizing Coinbase 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, 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:
Sent a letter with my valid Georgia license and proof of address and asked that all other address not associated with me be removed, and they have not been removed therefore violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has refused to honor my rights under the FCRA. Despite dealing with an issue for over one year, Experian has acted unethical and has not conducted the proper dispute process. I called again on XX/XX/2020 to dispute a matter and within 8 hours Experian sent an update on the dispute saying that the information was verified as accurate. I have an active identity theft alert on my credit report and explained my concerns with four accounts that are appearing inaccurate on my credit report. Those items are : 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 2020-06-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.Q data is attempting to Collect a debt that I do NOT validate or verify being my debt. In the attempt to collect the debt I.Q. Data has processed a duplicate collection on my credit file with XXXX  credit bureau. According to the FCRA all accurate information must be reported to the credit bureau. In this case the accounts are reporting as a duplicate and inaccurately. Please remove these accounts immediately as it is against the law to be reporting in the manner you have reported these accounts. The account are reporting on XX/XX/XXXX in the amount of {$4500.00} and XX/XX/XXXX in the amount of {$4400.00}. Please remove these inaccurate accounts immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: IN
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 am urging you to take action on these inaccurate and fraudulent accounts 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 2023-06-22
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 follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2023-09-08
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX  and XX/XX/, I received an email from XXXX stating : Dear XXXX, Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. As a reminder, you dont need to take any action at this time. 

What to Expect Next If we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. 
Once we have finished processing your application, well send a letter or email ( according to your communication preference on file ) with the outcome of our review. 
Our emails are your best source for status updates about your IDR application, so please watch for emails from us. If you need assistance, please visit XXXX, as this is a non-reply email. 

Thank you for your continued patience.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX  I got in contact with XXXX  XXXX in regards to some information that was reported to all three bureaus on the XXXX of XXXX and in XXXX of inaccurate payment information which negatively affected my credit report make my score decrease overall by overXXXX points across 2 months after notifying them about of this and the unrecognized charges that I noticed were reflecting on my account that overdrafted my account they guaranteed me that due to the unauthorized charges and their mistakes of one of the representative that did not submit the claim for processing when I initially requested it assured me that I had nothing to worry about they would be investigating and disputing on my behalf with Experian, XXXX XXXX, along with XXXX to have the info corrected and deleted from my credit report And that the correction would be visible after 45 day it has been 5 months and in still have not seen any changes in my score however after noticing no changes I contacted Experian about deleting all discrepancies and inaccurate information they informed me that all would be removed

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