BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
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. I am never been late on this account.

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 2020-03-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am requesting that Experian, send me the method of verification as well as court copy of this bankruptcy. they refuse to reinvestigate this bankruptcy date and amount

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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts I had nothing to do with

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 2019-05-09
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
*Cavalry SPV I, LLC Violated/failed to respond Texas finance 392.202.

*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE.

# # Complaints, As of today XX/XX/191. Cavalry SPV I , LLC didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports.

3. Didn't request dispute but Cavalry mark trade lines as dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card from Chase/XXXX that I did not apply for. Very disturbing that a credit card was opened in my name. Chase has still not told me how/why the card was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18
Company: Account Discovery Systems, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today is XXXX XXXX 2017 i Was first contacted two weeks ago by account discovery systems who is working for XXXX XXXX saying i owed XXXX and they would settle for XXXX i asked for written proof i owed such a debt instead he threatened me and said they were in process of garnishing my wages this was the first time i had ever knew about such a debt was never contacted before or had any proof of said debt so i asked for proof in writing he says i sent u a email that i never recieved then i said i never got an email u need to send a letter to my mailbox then he replies so you will pay the XXXX i never agreed to paying anything so a week later i get a letter saying i had the end of month to pay XXXX or deal was of the table it did mention the creditor was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  opened a collections account for {$XXXX} to my account and reported it to XXXX, Equifax, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to XXXX and Equifax on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XX/XX/23 I visited a XXXX with my dog for an initial visit. They sold me an XXXX XXXX XXXX XXXX alleging that it would save me money. No terms were disclosed at point of sale. I was given verbal information only and the sales person answered my clarifying question that it could be canceled at any time without any costs in addition to the monthly fee which would end on cancelation. My dog was diagnosed with XXXX XXXX on XX/XX/23 and XXXX repeatedly pushed to do imaging scans. My dog was unable to use any of the listed procedures under the wellness plan while undergoing costly treatment for XXXX. Due to this, I called to cancel since they sold me something he could not make use of. I was told I would have to call an outside number from the actual XXXX location. I called the number and was told they would need to look into it and call me back. They did not call back so I called again to cancel. I waited on hold several times at length and was unable to get through in a reasonable time so had to try again on different days. When I eventually got an agent again, I was finally informed that in order to cancel I would need to pay a hefty $ XXXX {$2000.00} debt I was unaware and uninformed of having incurred. I am still not sure where the amount supposedly came from. XXXX refused to cancel the plan without receiving the amount. 

I and my boyfriend have continued to receive calls and emails from the vet clinic who I have told for months to stop contacting as I will no longer do business with them after seeing their deceptive and fraudulent business practices. This also violates my consumer rights. 

I am concerned the vet may have treated my dog in error and he may never have had XXXX, as he showed no symptoms and acted extremely healthy. He put ten pounds on during treatment. I was informed repeatedly that the treatment was life threatening so we really needed imaging. I spent over {$1000.00} in four months only to hear they will not cancel the plan they sold fraudulently and supposedly I owe them 1-2x more. 

I contacted my card company to protect me from them because they are committing fraud and their response was to send the card company a copy of the terms which were Not disclosed. The card company sent the money to XXXX again to reward them for committing fraud and their unethical business practices which habitually violate consumer laws.

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 monetary relief
Consumer complaint received 2019-01-02
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I drove my car to work and while I was at work a hail storm came thorough and destroyed my car, I tried to keep the car and my Insurance co said that Santander told them that we had to turn the car over to the insurance co and we could not keep it I would of got the car fixed and payed the car off but that  was still not a option. and so I had no choice but to buy another car and be stuck with two car payments that I could not afford. The finance co is Santander phone # XXXX out of XXXX XXXX Texas my Insurance co is XXXX XXXX in XXXX Ks I would appericate any Info please XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: TN
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:
I have reached out to all 3 credit bureau and send off letter about this matter on my credit I am not pleasure on how this is being handle. 
specifically 15 US code s1681 s-2 responsibilities of furnishers of information to the Consumer Report Agencies by certain creditor listed on my credit report. 

According to Section 1681s-2 ( b ) furnishers of information to consumer reporting agencies such as creditor in questions, have a legal duty to provide accurate and complete information, however after careful review I have identified multiple and inaccuracies in the report of the following. 

US Dept. of Education # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-11
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I tried to deposit {$840.00} into my account with a us bank atm, it seized up at {$500.00} and printed out an error receipt for {$450.00}, I took the remaining {$340.00} into the branch and deposited it to a teller, I called the us bank number on the receipt and made a claim for {$500.00}, I received a credit for {$160.00} and they sent a letter saying this was the amount of the claim, I called them and told them Im owed {$340.00} but just got the run around on the phone for hours and was eventually hung up on.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company 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 2020-03-10
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper purchased my loan in XXXX of this year and immediately changed my payment from XXXX to XXXX or more. I contacted the company and found out I had a problem with my escrow account. Once I payed back the XXXX  dollars XXXX XXXX took from my escrow account, my payment was not adjusted immediately. As it stands now my home payment is XXXX a month. The company can not explain where my extra payments went. They can not explain why my home payment went up. They can not explain why my escrow is so much more now. They went on to blame my previous mortgage company XXXX XXXX XXXX, and I was told to contact them. When I attempted contact that company, I was immediately routed back to Mr. Cooper. Come to find out, Mr. Cooper purchased XXXX XXXX XXXX, and they were trying to utilize them as an excuse for not calculating my escrow properly. Then they tried to get me to run a FHA streamline loan, and that didnt even lower my payment back to the original amount, or close to it. The company is lying, holding back information, and from my point of view, committing some type of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-11-10
Company: MOHELA
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:
On XX/XX/2022, I received an email alert from XXXX XXXX stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted XXXX requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted XXXX they show my account is closed with them and balance {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2018-03-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage keeps sending me information on a loan modification I did not request. Wells fargo home mortgage keeps advoiding what I have requested. They also send documents that has nothing to do what I have requested. 

No loan modifications documents has been requested.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe resulted from identity theft, as well as a charge-off entry that inaccurately represents the current status of my account. I am seeking resolution in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ).

As a victim of identity theft, it is crucial that I take immediate action to protect my credit and personal information. I have identified certain information in my credit file that I believe is a result of this identity theft. Pursuant to 15 U.S. Code 1681c2, I request that you block the reporting of any information in my file that resulted from this identity theft.

I kindly request that you promptly initiate the blocking process within four business days of receiving this dispute. The specific information that I believe resulted from the identity theft includes fraudulent accounts, unauthorized inquiries, and incorrect personal information.

In addition to the identity theft dispute, I also dispute the charge-off entry related to the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$5100.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$6500.00} Balance Updated : XX/XX/XXXX Original Balance : {$3800.00} Highest Balance : {$6500.00}

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 2023-03-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, Experian, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. After submitting identitytheft.gov affidavit more than 3 times- I still have no response. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including Experian, XXXX, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number sent Certified Mail Receipt from XXXX XXXX XXXX Experian XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.

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 2022-11-10
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:
On XX/XX/2022, I received an email alert from XXXX XXXX stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted XXXX requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and Equifax and they have failed to report my balance owed as {$0.00}. The statement from Equifax and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted XXXX they show my account is closed with them and balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have no a knowledge of this account according to the FCRA This item must 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 non-monetary relief