BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with FCRA ( fair credit reporting act ) XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an 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 2023-11-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi I am having difficulties with American express. I had 3 american express cards which recently went under financial review. I failed the review ( due to paying my bills from my husband 's bank account when my name wasn't on the account ) they closed all my cards. That is not the reason for my complaint as they have rights to do that. ( Although that's a lousy reason in my humble opinion ) When they closed my cards ( on XX/XX/23 ) I had some points on my XXXX XXXX XXXX card ( I don't know the exact number since amex won't give me access online to my rewards ) I am now unable to use those points and they are essentially voided. I had earned those points by purchasing using my card over the years. Knowing that my account was probably going to be canceled I attempted to use those points before my card was canceled. This is something that typically can be done but there were technical issues in my case and multiple amex representatives told me that it's impossible. ( There are 2 ways to use points a )- as a statement credit which I was unable to do since I hadn't used my card in the past few months so there was nothing to credit and b ) to use on XXXX by pressing " buy with points '' which I couldn't either do since my card at that point was under financial review and you can't use buy with points when the cars itself can't be charged. I'm trying to retrieve those points which seems impossible and is the first reason for my complain. 

A similar issue happened with my amex business platinum card. I spent approximately {$85000.00} on it which should give me around XXXX membership rewards points ( since XXXX membership rewards points per {$1.00} spent on that purchase ) I was unable to use those points since they were only to become available on XX/XX/23 and amex canceled my card on XX/XX/23. Typically a customer would have 90 days to transfer those points out after being canceled by amex but since my points never hit my account before cancelation, it may be lost. Now in this case they still are looking into it and have provided me with a case number, but its likely to be a problem. Either way I have spent hours on the phone with amex and have lost over {$1500.00} in points with seemingly no recourse. Any help from the financial bureau would be helpful. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from American Coradius International LLC stating that I owe {$110.00} on {$29.00} that I owe to XXXX XXXX. The issue is that I don't and have not had a XXXX a balance owed. There are no delinquencies listed on my credit report. I never received a notification from XXXX that I owed the {$29.00} and only learned about once I received the letter from ACI claiming they were trying to collect a debt. This is 100 % fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 Section 602 A. States I have rights 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 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 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$760.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-03
Company: Experian Information Solutions Inc.
State: TN
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 sent dispute letters out in XXXX of 2023 and XXXX of 2023 asking to verify accounts and delete for violations of FCRA and XXXX XXXX compliance standard. Investigations came back as verified and accurate. Updated credit report does not reflect the changes if any were made.

15 USC 1681 15 USC 1692g

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 2023-01-19
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: Was not notified of investigation status or results

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are 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 2018-11-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
This dispute pertains to a Credit Card with the USAA Bank Dispute For Credit Card Ending In XXXX USAA Dispute Case # : XXXX Credit Card # Ending In : XXXX Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/2018 Transaction amount : {$140.00} Disputed Amount : {$140.00} To whom it may concern : On the morning of XX/XX/2018 I was in XXXX, XXXX and I made reservations via telephone with XXXX XXXX XXXX to have a car reserved in the city of XXXX, XXXX where I was going to fly to later that morning. 
The reservation was made and upon arrival at the XXXX XXXX XXXX XXXX in XXXX XXXX the car was waiting for me at their XXXX office. I paid {$130.00} USD ( {$390000.00} XXXX  Pesos ). 
Later in the evening while dining at a restaurant I checked my USAA application on my cell phone and saw in addition to the legitimate charge from XXXX another charge for {$140.00} from a merchant called XXXX XXXX XXXX. 
I have NO IDEA who XXXX XXXX XXXX is as I never contacted or dealt with any merchant other than XXXX. 
I immediately called USAA 's international number and reported this charge to initiate a dispute. 
I did NOT on that day or any day before or after deal with XXXX XXXX XXXX. I have no idea who they are or where the charge came from. I suspected at first that perhaps one of the XXXX workers at the XXXX XXXX was trying to possibly scam me since they were the only ones who had processed my credit card and BOTH charges appeared at the same time on the same day for the same type of service : A car rental. 
I do have the receipt from XXXX and have included a photocopy. The amount is in XXXX Pesos but a currency converter will show the US dollar amount. 

XXXX XXXX XXXX has NO locations in XXXX, as proven by looking at their list of locations on their website, the URL is provided here : XXXX XXXX XXXX Also, NO ONE will rent something as valuable as a car without having the renter fill out and sign multiple sheets of paperwork, therefore WHY DIDN'T USAA REQUEST SUCH DOCUMENTS FROM XXXX XXXX XXXX, the absence of which would have proven that I never dealt with them and that the charge is false?? 

I have proven with the XXXX receipt that I was physically in XXXX where I rented a car from XXXX and with the above link I have proven that XXXX XXXX XXXX does not even have locations in XXXX, yet they falsely charged me for a rental on the very same day I rented a car from XXXX in XXXX. 


Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-01-19
Company: Experian Information Solutions 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 discovered that some of the items on my credit report were incorrect when I reviewed them. 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 items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need 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 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 EXPERIAN BUSINESS CRED 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 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 non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-12
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just discovered a lawsuit from XXXX and XXXX from 2010 because they are trying to garnish my wages. I believe I am a victim of a false lawsuit by them. The only proof in the case jacket is a piece of plain paper with my name on it, a 16 digit number, and an amount of money. They also uploaded the generic terms that everyone gets when they get a credit card. I have a remote hearing for the garnishment on Friday XX/XX/XXXX since I am fighting it but Im not sure what to do. When I originally got the garnishment notice and discovered the judgement in XXXX I called and disputed it with XXXX, XXXX and XXXX and the creditor that supposedly holds the debt now but of course they did nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions 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:
I AM SUBMITTING THIS FREELY, AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACCOUNT WAS PROPERLY INVESTIGATED, BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INCORRECT, THE LAST ACTIVE DATE IS INCORRECT, AND THE LAST REPORTED DATE IS INCORRECT? THEY ALSO VIOLATED MY RIGHTS UNDER THIS GROUND FOR REMOVAL. 

I HAVE THE RIGHT TO PRIVACY, according to 15 U.S.C. 1681 SECTION 602 A.

IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS IN 15 U.S.C. 1681 SECTION 604 SECTION 2. 

PLEASE REFER TO THE ATTACHED 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 2023-06-12
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2018-11-14
Company: EQUIFAX, INC.
State: NV
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 recently started a Credit Monitoring Service because my wife noticed a large amount of mail coming to the house which we usually just dismissed as wrong address or wrong person. We travel extensively overseas and never use credit much at all to keep from accumulating debt. We have been overwhelmed as we look at her credit file and my own to find erroneous accounts that have accumulated over the years un-noticed by us. We are going to have to check all our personal accounts both here an abroad as well as our personal information immediately for fraudulent activity. We are filing this affidavit as a first step to protecting our personal information from this day further. We hope that this will assure us of protecting our good names in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Loan estimate or other related disclosures

Complaint:
After submitting an online application, we received a Pre-Approval letter from XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). When we requested the Loan Estimate, XXXX refused ( on four separate occasions ) to provide it without the Contract - violating TILA-RESPA Integrated Disclosure Rules ( TRID or TRID Rule ). Specifically, XXXX messaged us the following : On XX/XX/23 at XXXXXXXX XXXX, " I do require the contract first - there are many details in there that impact what numbers would be on the Loan Estimate. '' On XX/XX/23 at XXXX XXXX, " I'm willing to provide the Loan Estimate once I have the contract as mentioned before. '' On XX/XX/23 at XXXXXXXX XXXX " I don't have the necessary information to provide a Loan Estimate without the contract. There are several data pieces required by a lender to provide the Loan Estimate and I don't have all of them. '' What XXXX didn't realize is that we were fully aware that only 6 pieces of information are required for a Loan Estimate. We had already received 3 Loan Estimates from other lenders. He was the only one who did not operate in Good Faith and attempted to procure the contract through deception. 

XXXX XXXX 's interim director did not have an explanation for the behavior. He advised the missing piece of information was the property address. I provided the address and received the Loan Estimate. A new loan originator was assigned.

Company response to consumer: Closed with explanation