BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
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: Account status incorrect

Complaint:
In XX/XX/2019 I paid off a Negative XXXX debit with a collection agency XXXX XXXX. It has been closed and listed as paid through XXXX and XXXX. The issue is that Experian still shows it as a negative account which has caused issues with me purchasing a home. 
I have submited documentation though their dispute center once via their web site and a 2nd time via mail. Each time I have submitted the documentation the account doesnt get corrected in their system I would like my XXXX account to be corrected and not show as negative 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 2023-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2022-10-12
Company: EQUIFAX, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I bought this card on friday the XXXX and cant activate my card I added XXXX dollars to this card which it was a gift for my daughter now she cant spend the money

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 2023-10-08
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
I stayed at XXXX XXXX XXXX XXXX XXXX from Tuesday XX/XX/XXXX to XXXX XX/XX/XXXX and piad with my AMEX Corperate Card. 

Upon check out the hotel refused to provide me with a receip. The desk worker was incredibly rude and just kept yelling that its their policy to to give receipts. After much argument she finally printed out a checkout confirmation that stated that i checked out at XXXX XXXX on XX/XX/2023. 

The hotel then proceeded to charge me for an extra day. First claiming i checked out on Sunday. Once that was proven to be impossible the hotel changed their story and is now claiming i checked out at XXXXXXXX XXXX  on XXXX the XXXX. 

I have raised a complaint with the hotel. XXXX XXXX and American Express. All which have failed miserably to understand let alone remedy the issue. The hotel has been completely unresponsive while XXXX as failed to follow up after talking to a manager at the elite support line. AMEX failed to follow their own dispute procedure and out of systematic incompetence has repeatedly failed to investigate the matter in a timely fashion. 

Attached documents 1. 
the receipt from the hotel with a time stamp of XXXX Sat XX/XX/XXXX. 

2. 
Proof I Returned my rental car at the XXXX XXXX XXXX at XXXX XXXXXX/XX/XXXX 3. 
Proof i was on board a XXXX flight which depared at XXXX XXXX. Meaning i was on board the aircraft no later the XXXX XXXX and at the airport no later then XXXX to be in time to check luggage. 

4.

Proof i checked into a XXXX XXXX  in XXXX by XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX has adamantly refused to correct the billing issue and provide a correct receipt for the charges. They first insisted i had checked out Sunday the XXXX and then later claimed i checked out at XXXX XXXX  Saturday. Both are impossible and the hotel employee keeps making up more lies to try and cover her mistake. Hotel mgmt has failed to act. XXXX XXXX and AMERICAN EXPRESS has been allowing fraudulent activity to go on under their watch and has done nothing dispite the overwhelming evidence that has been providedto them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
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: 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 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 2020-11-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX, XXXX acting as XXXX at the XXXX  XXXX  ( Apartments ) and along with GENESIS Credit Collection are saying a Judge  ruled in favor of a collection bill, and this is false, as the small claims lawsuit  was brought by my self and was for failure to return return deposit. XXXX XXXX, XXXX is saying the Judge ruled that it was fair to send account into collections and this is completely false. On XX/XX/2020 XXXX XXXX, XXXX mailed me : " Good afternoon Mr. XXXX, Please find attached the final judgment received from the court. You will note that defendant XXXX XXXX XXXX is the prevailing party in this matter. The account is now in collections. You may contact Genesis at XXXX to discuss payment for the balance of {$450.00}. '' This judgement  does not give right to XXXX XXXX to send money into collections or to bill me for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Patient Accounting Service Center
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:
This is unknown to me, I have never heard of either of these companies or owe a debt like this. I requested validation and nothing has been received. Please help assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Have a Hard Inquirie on crdit report from Syncb/Lowes PLCC . This is not me. I moved from my home 2 years ago and the new tennant is fraudulently tyring to open crdit cards in my name. Please remove Hard Credit.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately, please removal all fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
hi On XX/XX/XXXX sunday aftermoon. 
Me, my wife and my dougther we were together to deposit total of {$15000.00} cash at the atm of bank of america in XXXX XXXX XXXX. during the deposit the atm return two of {$100.00} and eat {$2300.00}. The next following monday XX/XX/XXXX I went in to bank ask them for help.I was expect they can check that atm right away. But they told me there is nothing they can do about it and told me to call the number on atm machine. while I go look for the number I notice that the atm we used to deposit has been shut down. I assume must something wrong with that atm machine. soon as I got home I call the number right away and file a claim of {$2700.00} ( cause the guy on the phone misunderstand what I said ). Afther almost a month and half XX/XX/XXXX I recvied a message from bank of america say they didn't find any additional money. They are took too long to solve the problem. I worry that atm might give the money to someone who withdrawal the money.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates of inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: OH
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:
There is an address that is being reported on my credit report that I haven't resided at before and I would request that it be removed from my report. Also, I am requesting a full credit report with the updated information, please. 
XXXX XXXX XXXX XXXX, OH 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 2021-01-10
Company: Netspend Corporation
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I was waiting on pending deposits for my account, every time I try to find a solution online the company ends up confusing me with more information than usual. When I call customer service, I'm told that the information I'm requesting can't be given to me, I can only see it online or I have to contact whom deposited in my account. The problem is that I'm in a group of beneficiaries that were going to receive grants. The information is public so individuals of that group can receive the grants. I don't know to do it & that's the reason I contact the company but I'm denied the help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: Experian Information Solutions 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 information incorrect

Complaint:
I received a notice that my credit score decreased by 20 pts from Experian. There have been no changes to my report and the XXXX and XXXX have not changed. All 3 reports show the same items on my report. Experian says there is nothing they can do. They did check and agreed that nothing showed on my report that would have caused a decrease in my score. But as there is no change they can not explain it. So there is nothing I can dispute other than the score. This affects me financially so someone has to be responsible to explain this to me and correct the mistake.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I see that still the same accounts was erroneous. The 3 credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} )XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX ), XXXX XXXX ( Date Opened :, Balance : {$550.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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: Information belongs to someone else

Complaint:
The following accounts do not belong to me. I requested copies of the original signed documents showing proof of my signature from the credit bureaus and I never received them. I also filed an FTC complaint listing the name of the identity thief for prosecution. Therefore the credit bureaus are supporting fraud by continuing to report this false, fraudulent information : XXXX XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX XXXX {$6800.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$5300.00} Opened XX/XX/XXXX XXXX {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$130.00} Opened XX/XX/XXXX XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$580.00} Opened XX/XX/XXXX XXXX XXXX/XXXX {$540.00} XX/XX/XXXX XXXX XXXX/XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX/XXXX {$1100.00} 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 2023-10-08
Company: TRUIST FINANCIAL CORPORATION
State: OH
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:
I am new customer to Truist bank, since i opened this account, it has been truly a nightmare. I was approved for two different card that were sent out to my current address that was also listed on the application when i received the card i was unable to use them due to the cards being linked to an old address from over 10years ago, so i went through a fraud questionnaire with multiple agents then the cards were unlocked i asked to have all other addresses removed other thank the current one where the card were sent to and i was told they were removed as i went to make a purchase a month later the card were so how locked again and all information was back to my old address, once that was fixed ... ..3months later i went to redeem my rewards on XX/XX/XXXX through the app requested to have a check sent out email provided me with a processing # and said tht check going to be sent within 10 day but allow up to 3 additional weeks, so i waited a month never received anything so i decided to call and i was told they never even processed the check and they will be opening a ticket to have one sent out to me and to allow another 5-7 day before a receive it so a week went by still no check called again spoke to 2 other reps on two different day and was told the ticket was still in processing so i ask to speak to a supervisor they told me the same thing so i waited another week to called and this i spoke to a supervisor and i was told they sent a check out on XX/XX/XXXX after i redeemed the chk and they couldn't send another out until they get info on the first check and she told me she would f/w once she have an update that never ... .. SOOO i reached out to to them today to get an update myself and i was told they couldn't help me because I closed my account which i never did and they couldn't tell how the account was closed. So, i am not quite sure if i will ever see my rewards or received information on who actually closed out my account without my permission this is illegal, and this company need looked into IMMEDIATELY!! I am also requesting that the company pay me for my time spent as well as the pain and suffering they have cause 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