BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have mailed to XXXX and EQUIFAX about several credit cards they are reporting wrong. 
They dont budge, dont send proof of investigation and nothing is resolved. 

XXXX XXXX XXXX  reporting balance is XXXX but yet its XXXX but XXXX still keeps same balance XXXX XXXX XXXX they show balance XXXX for months the balance is {$700.00} now last month it was XXXX XXXX balance has shown {$1000.00} past 3 months but the balance is XXXX I have asked them to delete the following accounts because there closed, past Arizona statutory of 6 years and they just refuse XXXX XXXX XX/XX/XXXX XXXX closed XXXX XXXX 5yrs 10 months old XXXX was opened in XX/XX/XXXX 6years old XXXX XXXX XXXX XXXX this acct was opened in XX/XX/XXXX 10years old XXXX XXXX XXXX closed XXXX XXXX over 10 years old I have submitted request via mail three times the past two months. 

Have information to prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Affirm Holdings, 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:
Affirm is reporting 2 accounts incorrectly to XXXX. I have filed over 20 disputes and each time they verify the account is reporting correctly. I have asked XXXX to provide me with a copy of how they validated what Affirm is reporting. They have failed to do so. I have asked Affirm to confirm my account history. They have failed to do so. I have now found my original receipt which confirms these accounts are not reporting accurately. I would like both removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX : {$19000.00}

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 2022-09-20
Company: Experian Information Solutions 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:
Multiple creditors are charging me for accounts that I have no knowledge of some the information is incorrect and I would like it 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
Consumer complaint received 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Despite the fact that I'm opted out of credit card solicitations and mailing I'm still getting credit card application solicitations by mail from Capital One. I've contacted Capital One and was told they would cease mailing me but that has never happened. My mailbox continues to get credit card application solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: PR
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 a victim of identity theft. I requested to the three major credit bureaus ( Equifax, XXXX  and XXXX   ) to block unauthorized charges from credit report under FCRA 605B. I sent letters to the three agencies with a copy of my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. XXXX   and XXXX successfully blocked all unauthorized charges from my credit report as directed by section 605B of the Fair Credit Reporting Act. Both of the agencies placed an extended fraud alert on my credit file. But Equifax was unable to locate my credit file. Then they asked for two documents : one to verity identification and the other one to verify my current address. I sent to them a copy of my social security card to verify my identity and a copy of my drivers license to verify my address. Again, they were unable to locate my credit file with the documents that I provided. They kept sending letters asking for the same two documents. I sent to them in four different times the documents they requested : a copy of my social security card and a copy of my drivers license. Also, I sent to Equifax a copy of a police report and the ignored me. Im frustrated because I did not had any type of problems to clean my credit report with XXXX  and XXXX. I want to clean my credit file and place an extended fraud alert just like XXXX and XXXX   did. Here I attach a copy of the police report, copy of the Federal Trade Commission Identity Theft Report and copy of the four letters that Equifax sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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 placed an order on XXXX through a 3rd party merchant on XX/XX/2022. There was a problem with my XXXX store credit card issued by Synchrony Bank because the physical card had been misplaced. I got a new card and submitted the payment again. After the payment was resubmitted I believe on XX/XX/XXXX, the merchant reached out to me via email on XX/XX/XXXX at XXXX XXXX my time asking if they could substitute a different color of the same model I ordered. I replied at XXXX XXXX saying that I did not want the substitution ; I wanted the original order as it was placed. At XXXX XXXX  I received a notification email from XXXX indicating my order was canceled without specifying a reason, although the merchant 's page showed the item out of stock at this point. Today, XX/XX/XXXX, the pending charge for that canceled transaction is still holding funds on my XXXX store card. I emailed the merchant who told me to contact XXXX directly, so I entered online chat with a XXXX representative who told me to contact Synchrony. Synchrony offered to create a dispute that could last 90 days, but said the merchant simply should have removed the transaction when the order was canceled. I just want the canceled transaction removed from my card. Please note in the printout from Synchrony showing pending charges, the canceled transaction amount of {$240.00} is showing twice. Synchrony and XXXX state that the first pending charge is when the card was originally declined, and it is not actually being held against my line of credit, so it is not a concern at this time.

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 2019-12-31
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX- I called to make a payment due to a payment being returned. The payment that was returned was an incorrect account number. I did not provide this account number to the company for this particular payment. It seems as though their system pulled an old account number that hadnt been used since XX/XX/XXXX. I requested for the fee to be waived, the representative by the name of XXXX XXXX XXXX was extremely rude, antagonistic and argumentative. He refused to transfer me to a supervisor and pretended as if he was hanging up on me. He advised me it was my fault the payment didnt go through and there was absolutely nothing he could do to help me. He placed me on hold and told me Good Luck very sarcastically. I remained on hold over 20 mins. I finally spoke to a woman who never provided her name and hung up on me while I was explaining my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: Experian Information Solutions 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:
I requested validation regarding an assumed bankruptcy that is reporting to my consumer report. The reference number along with court names are not reporting the same information between XXXX, Experian, and XXXX. Also, after I disputed these items and the credit bureaus failed to provide the method of use to validate the account, instead I received a letter from XXXX stating after investigation it was verified as accurate. The term investigative consumer report means information on a consumers character, reputation, characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer. An investigation was not done with any of these sources.

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: Experian Information Solutions Inc.
State: MS
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 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, EXPERIAN, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this 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 2023-05-22
Company: Experian Information Solutions Inc.
State: MS
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 complaint last XX/XX/2023 the companies responded. Some got deleted but there are still fraudulent items on my credit report that's why I submitted a complaint last XX/XX/2023 and XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2022-01-19
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: UT
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 notice XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXXXXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called XXXX XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ MERCHANTS CREDIT GUIDE ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
My spouse XXXX XXXX who is an additional card member booked the hotel- XXXX XXXX with her AMEX card. The hotel reservation was from XX/XX/XXXX to XX/XX/XXXX. When she reached the hotel she noticed that the hotel room was very dirty and not like how it was in the photos. The photos listed in the website and the actual photo of the hotel room was very different. 

I had opened a dispute with Amex earlier and the dispute reference number is - XXXX Transaction in question - XXXXXXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card Member : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Westlake Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I originally had an auto loan for a XXXX XXXX with Westlake Financial Services which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from Westlake Financial due to the vehicle having been declared a total loss. Westlake received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, Westlake failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff Westlake provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX Westlake reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, Westlake charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be XXXX days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Being charged monthly fee when I wasnt supposed to be. Bank charging me overdraft when I didnt want overdraft protection. They always had an excuse for charging 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 monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2023-06-29
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:
XXXX XXXX XXXX XXXX  poses a mistake reporting wrong information in my credit report ... this account is not mine .... was open in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Pursuant to the Americans with Disabilities Act and Fair Housing Act, I sent Select Portfolio Servicing Inc. a reasonable accommodation request, a change, exception, or adjustment to a rule, policy, practice, or service. Select Portfolio Servicing , Inc. ordered an interior inspection of my property, denied my request and stated the following : SPS is required to service its accounts according to the requirements of the Noteholder and full payoff is required on the account. 

As a result, I forwarded my reasonable accommodation request to the Noteholder and below is the Noteholder 's response : I am writing in response to your email addressed to Executive management at XXXX Bank, concerning a mortgage with Select Portfolio Servicing. Your correspondence was passed along to me for response. 

XXXX Bank acts as a Trustee on behalf of many trusts which hold various real estate, but we do not have any specific information about individual properties and we are not involved in the decision making process regarding any real estate. In our capacity as Trustee we do not have an economic or beneficial interest in the loans and we have no authority to manage or otherwise take action on the loans ; this includes requests for loan assistance, modification and the like. All questions should be directed to the servicer of the property. 

The servicer of the property, Select Portfolio Servicing IncXXXX ( SPS ), is the party with authority to address the issues described in your email. Upon receipt of your email, we immediately forwarded the information to SPS. A response directly from SPS may come under separate cover. In the event you have additional questions related to this matter, please feel free to contact SPS. Their contact information is as follows : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX My additional complaints against Select Portfolio Servicing are Misrepresentation of my mortgage loan transactions, and failure to review my applications for loss mitigation and my reasonable accommodation request within 30 days and discrimination due to XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation