BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Two years ago I went through this same issues and got it resolved. I had to sue one of the credit reporting companies to get the to remove what was not mine. I have been out of the country for 18 months and I come back to not 1 but 2 bankruptcies  on my credit report. I contacted the courts and they told me the same thing they did 18 months ago which was they DO NOT report bankruptcies  to the credit reporting companies. I don't now why these 2 bankruptcies are on my report or who filed them but for the 2nd time I need them to remove it. The removed it before not there are 2 new ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-01-01
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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stats that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused 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 2018-04-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XX/XX/XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XX/XX/XXXX and in XX/XX/XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.

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 2021-05-06
Company: BANK OF THE WEST
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX and XX/XX/XXXX I had received a call from XXXX stating he was from XXXX XXXX XXXX stating that I issued an online check to their client that bounced. They stated the date of the transaction happened on XX/XX/XXXX. I called the bank to check on this claim due to having closed this account years before said date and they could not locate my information or any claims. I asked the guy working with XXXX XXXX XXXX to send me a letter explaining the claim and info on the collections so I can look it over and He said they would not be sending me a letter. Would not let me talk, kept cutting me off saying that they were going to file this and see me in court next week. I tried to explain that I called the bank on XX/XX/XXXX and he got loud with me saying I did not call them because he just got off the phone with them this morning on XX/XX/XXXX and hung up on 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 2018-04-28
Company: Mnet Financial 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:
The following inquiries are fraudulent and should be removed from my credit bureau : Inquiry details XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX  XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX State XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

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 2021-06-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: AR
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 alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX  XXXX Balance Owed : {$600.00} ; XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX  XX/XX/2022 ; 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 2023-05-16
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXXXX/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 2021-02-06
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hi, I am recently being overcharged from a finance Company by the name of Westlake Financial. 

I am done making XXXX of XXXX payments as stated From my XXXX documents and the app that I use to moniter my payments..I called numerou times and spoke to several agents and Supervisors and was not getting the run around. No one could tell me why I have to pay XXXX extra. From the last call the supervisor

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 2021-05-25
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited {$1000.00} into my Bitcoin Vault on Coinbase on XX/XX/2021 at XXXX AM using my XXXX Bank Account. The status of the deposit was instantly marked completed on this deposit details, but I was required to wait 7 days for my money to be used, traded for other cryptocurrency or sold, which I wasn't happy about but accepted it. During that 7 days, obviously the price had fluctuated. Unfortunately for me, it fluctuated downwards and I lost just over {$100.00}. After the 7 days hold period, and the funds were marked as " available '', I tried moving my funds from my vault account into my regular Bitcoin wallet. At this point, you are not able to use the app to move the funds and you have to do it from their website. I go to their website only to be met by, yet again, another verification hold time limit. To move funds from the vault it states you must verify the move using 2 different email addresses. I submitted the transaction to move all of my funds from my vault into my Bitcoin wallet, verified the transaction on the coinbase website itself by clicking the " Approve Withdrawal '' option, then also approved it through my email. Their website says that after 24 hours the funds will be moved and available for use. That was 7 days ago. Their customer service is virtually non existent, as I have tried calling with no response as well as sent over 25 emails to their support department only to be told that a " specialist '' is now handling my issue and that I will receive an update in 4 to 5 days. That also was over 7 days ago. At this point, my funds are at the mercy of coinbase. I am unable to trade and/or move any of my funds out of the vault and can only watch my money go straight out the window. The only info I have been provided is a case number, which is XXXX # XXXX. MY MONEY HAS BEEN STOLEN BY COINBASE. I am literally at my wits end with Coinbase and their lies and lack of customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04
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: Information belongs to someone else

Complaint:
XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, XXXX and experian immediately they do not even list account numbers on my fico reports!!!

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 2023-01-06
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received my monthly bank statement on XX/XX/XXXX for period XX/XX/XXXX through XX/XX/XXXX and IMMEDIATELY saw that my credit union processed ( XXXX ) fraudulent checks through my account. Our checking numerical sequence is currently in the XXXX range. The ( XXXX ) fraudulent checks were posted XX/XX/XXXX - # XXXX - amounXXXX XXXX} and XX/XX/XXXX - # XXXX - amount XXXX. We did not have a checking account with this credit union with those check numbers. We immediately called our credit union to report this. The representative closed our checking account, opened a new account and presented this issue to their internal fraud division. I then logged into our account from my desktop and was unable to see images of any of my checks. We have encrypted XXXX to prevent this from happening. Let me be clear- we do not do any financial transactions online. I only access my accounts to monitor them from my home, protected desktop computer. We do not have any APPS on our cell phones. We have gone to our credit union branch XXXX in person. XXXX XXXX we have been given different non-answers. We have called them XXXX XXXX XXXX times each day, going thru their XXXX process of XXXX  - empty promises. They have REFUSED to provide us information and as of today, XX/XX/XXXX they have not returned the XXXX}. The XXXX was returned to our account XX/XX/XXXX. They claim that all images of checks have been erased from their files. Yet, they have sent images XXXX of our legitimate check # XXXX for XXXX} implying that they don't owe us XXXX}. It has been XXXX weeks. They refused to tell us what checks I had mailed prior to discovering the fraudulent checks on my statement! We had to call XXXX different payees. We did not receive new checks to be able to submit payments on time to our credit card, utilities, etc. We always write checks the day our bills arrive, always pay in full - never carry a balance and mail from inside of our post office within XXXX  days of receiving our bills! We need to know who had access to all of our personal information and we need PROTECTION

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 2021-09-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We want to have a full loss mitigation modification application submitted and reviewed. SPS offer charges us interest on interest and balloon payments and are using incomplete financial information Please reference the cfpb complaint document submitted XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
Goldman Sachs XXXX Account XXXX XXXX .... continues to appears on my credit report after I have provided the Credit reporting company ( XXXX ) thst this particular account is fraud and not mine. I've submitted police reports stating the error and I've threaten them with a lawsuit and its still showing as verified account. I've also sent this information to Goldman Sachs as well. They have NEVER investigated the issue after showing proof. I'm not sure why I keep getting letters that are threaten intent. These tactics are illegal and these companies are getting away with it. I want this to STOP> I need to request this old account to be removed from my credit file immediately before I approach the social media and new outlets as I'm being taken advantage because I'm a person of XXXX. 

I will claim XXXX discrimanation in a lawsuit. Thank you l!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2021-12-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called Chase Bank on or about XXXX XXXX, 2021 to dispute a series of billing errors that I had with the XXXX XXXX & XXXX ( XXXX, TN ). I had a block of 5 reservations for my family as we were traveling for a funeral. Upon checkout, the hotel billed me {$170.00} x 5 as a no-show fee ( {$870.00} total ). I attempted to resolve these erroneous charges directly with the hotel and was unsuccessful after several attempts. I then called Chase to file the dispute. At that time, Chase advised me they did not need any additional documentation from me although I told them I had paid receipts from all 5 of the rooms. According to Chase they could see the full hotel charges for 3 of the rooms on my credit card ( in addition to the separate cancellation fees ) so this was sufficient documentation to move forward with the dispute. A few weeks later, I began to get letters in the mail from Chase indicating the cancellation fees ( 5 total ) were valid charges. When I re-explained that myself and guests stayed in all five rooms and that I had all of the paid receipts, they asked me to go to my local Chase branch to fax the receipts. According to Chase, they would re-dispute the charges. A few weeks later, I received mailings indicating the charges were still valid. When I called Chase to inquire, I was then told my dispute was beyond the 60-day timeframe. 

Chase did not properly submit my initial dispute with XXXX correctly when I first called in because they did not obtain the paid receipts that I had although I told them I had these receipts in my presence. As a result, the valuable time elapsed and I lost my dispute right. My initial dispute would have been a much stronger case if Chase would have obtained the receipts or provided the merchant with my credit card statements which showed the paid in full amounts. 

Chase 's internal dispute resolution process disenfranchised me from the opportunity to have the strongest case against the merchant. I was clearly was taken advantage of by Chase based on their internal process. I believe this was deceptive and abusive by Chase in that I did not have an opportunity to dictate that my initial dispute should have been submitted with all five of the paid receipts that I had when I initially called to file the billing dispute. This has cost me a total of {$870.00} ( {$170.00} x 5 rooms ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-16
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:
I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 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