BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
I referred a friend to apply for an Amex credit card on XX/XX/2019, through my Amex Gold referral link ( one of the three ways Amex provides for referral a friend ). I supposed to get XXXX Memebership Rewards after my friend got approval. He applied the XXXX XXXX card and got an instant approval [ Note that Amex now allows cross referral, that is, I can use gold card to refer other Amex cards ). However, after more than two months of waiting, and three long calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), they declined to give me the referral bonus, quoting " You are not following the email referral process '' and questioned that anyone can claim they referred someone, even if I pointed out to them who I referred and his approval date. 

More importantly, I clearly pointed out two critical facts as described below : - I shared the referral link with my friend, which is one of Amex 's official methods. [ referral through email is not the only way : they claim that I didn't follow the referral through email ]. 

- My friend clicked the shared referral link, and a window pop up stating that You are referred! [ My name ] has referred you for the XXXX XXXX American Express XXXX XXXX. Your friend will receive a referral bonus if you are approved. '' He clicked the continue button, and got instant approval. 

If as the representative described ( I stepped away from their referral process ), how come my friend can still see the above sentences? The sentences confirmed to my friend that I will get the bonus. In any case, if I stepped away from the referral process, my friend should not receive such information, as it is misleading and false information. 
My friend wouldn't have continued the application process, if the window didn't show up. 

I am so disappointed with Amex 's customer services, as the supervisor over the phone can't answer my questions regarding their arguments, but she still claim whatever she said.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed these items with the credit bureaus but they did not remove them or prove validation. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX Account Number : XXXX OFFICE OF THE ATTY GEN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : 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 2022-02-10
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed these items with the credit bureaus but they did not remove them or prove validation. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX Account Number : XXXX OFFICE OF THE ATTY GEN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021 requested removal of inaccurate personal information from credit report to Experian credit bureau

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 2023-10-15
Company: Experian Information Solutions Inc.
State: OH
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:
! account number XXXXXXXX Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX Last Payment Made XX/XX/XXXXXXXX Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: OH
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:
Date of First Delinquency : XX/XX/2019 I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me. I am including with this letter copies of documents that support my identity, such as a driver 's license or passport, as well as any other evidence that I believe is relevant to this dispute. Please note that I have also filed a report of identity theft with my local law enforcement agency, a copy of which is enclosed for your reference. Sincerely, 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 2022-03-16
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX 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. 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 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 three negative credit items outstanding debt now. 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 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 XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now

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 2023-10-15
Company: Experian Information Solutions Inc.
State: OH
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. i am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. i also read something called the fair credit Reporting act where it said by law/ I had rights to challenge anything i am not sure is accurate. 
SOme of the people reporting things on me. I have never heard of which made me write to you Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? i heard that if you cant provide proof these accounts must be deleted. Well i want these accounts deleted if they are not 100percent right and correct. So could you please check on these and get back with me? I saw on a Credit site and board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not 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 2022-03-16
Company: OneMain Finance Corporation
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Called my XXXX on XX/XX/2022 about my loan he said the I had owed them money from a loan that I had with them also they are calling all hours and the payment is not going to the principal just to the products

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During these dates timeframes we went through the hardship of me loosing my job as I had my XXXX  child and could no longer afford to put all of them in daycare. This time was a struggle. We would appreciate the courtesy of investigating why there are so many late payments as we did pay on time! So believe all information is inaccurate. We have tried to get information from them and failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto lease from Honda Financial. Honda Financial reports 2 late payments in my credit reports. I contacted Honda Financial on XX/XX/XXXX and provided my bank 's routing number and account number and requested from Honda Financial to have my account with them on auto pay ( I wanted every month my {$270.00} car payment to be electronically debited from my checking account, so I will never have any missed payments ). Honda Financial representative advised me over the phone that she will set up an AUTO PAY for me. So my first payment was automatically debited from my checking account by Honda Financial after 2 days on XX/XX/XXXX. On XX/XX/XXXX I am leaving the country for 3 months. I came back in to US on XX/XX/XXXX and checked my accounts to see if all the payments went through. I noticed that Honda Financial did not withdraw my 3 months payments. I immediately checked my credit reports and noticed that Honda Financial reported 3 late payments on my account for none payments. I contacted to Honda Financial immediately and I was advised they did not receive my payments. Now Honda Financial refuses to report to credit bureaus that the information they have reported is done by Honda Financial 's mistake. I was on AUTO PAY and Honda Financial did not debit my monthly payments as agreed on XX/XX/XXXX. 
Honda Financial 's mistake damages my true credit worthiness.

The late payments Honda Financial reported is done by it's mistake. 
Please Help to resolve this issue. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
I have called to fix this problem they send me to several department this account is sold to someone and I ask to be removed off my credit report immediately not my debit anymore

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 2018-12-31
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company called XXXX XXXX has reported a dept to my Equifax account that I know nothing about. According to federal law we the people are entitled to a notice to dispute any item that a company says we owe. I received no such notice from XXXX XXXX of this XXXX XXXX XXXX XXXX either. 
As far as I am concerned Equifax and XXXX XXXX has violated my Constitutional right to due process meaning I should have received notice of this so called dept I do not owe. They have also, in the process, slandered me and defamed me to which their will be serious consequences if this is not rectified by Equifax for allowing such XXXX to be posted on my account without a shred of evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting 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.

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 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 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 explanation
Consumer complaint received 2021-09-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Sunday, XX/XX/2021 I received an alert from XXXX XXXX asking if I was attempting to open an account with Wells Fargo. A few minutes later I received an email from Wells Fargo notifying me of an online application for a checking account, showing the applicant provided my name ( spelled correctly ), social security number, and date of birth. I immediately called both companies but got recordings to call back during business hours Monday through Friday. I called XXXX the following day, Monday, reported the identity theft, received a case number and instructions they would call back to 3-way call with Well Fargo. It was two days later, Wednesday, XX/XX/XXXX, when XXXX called with Wells Fargo. Wells Fargo stated they were placing a freeze on the application and gave me a case number. On XX/XX/XXXX, I called XXXX, who placed another 3-way call to Wells Fargo to follow up on the case. The " freeze '' on application apparently did not keep it from becoming an account, as advised on XX/XX/XXXX. They asked my name, social security number, email address, phone number, and address. They stated the phone number and address were different than what I provided. They advised they put a freeze on the account and issued another case number. On XX/XX/XXXX I followed the link to the account through the email Wells Fargo sent me on XX/XX/XXXX, which provided me with the account number, routing number, and application status as " signed and completed. '' I called XXXX, who 3-way 'd the call with Wells Fargo to check the status of the account. It still had not been closed. By the end of the phone call, Wells Fargo Fraud Department stated the account had been closed ( by him ). I still do not have any information about any charges, or what information they gathered in their " investigation '' of the fraudulent account. He only said they would send a document in the mail. At least he got my correct address to send it to. It's so frustrating that I had to keep following up every week to get them to do their job!

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