BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: Experian Information Solutions Inc.
State: NY
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 DISPUTED WITH EXPERIAN ABOUT A ACCOUNT THAT I NEVER HAD WITH A BANK CALLED XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX CLAIMING IT WAS OPENED IN XX/XX/XXXX FOR A AUTO LOAN.. THEY SENT ME A COLLECTION NOTICE SAYING IT WAS IN COLLECTION FOR A VEHICLE VIN # XXXX ... ( I ENCLOSED A COPY OF THE COLLECTION LETTER AND IT STATES THE VIN # ALSO AS PROOF ) I NEVER OWNED OR PURCHASED A VEHICLE WITH THIS VIN # ... BACK IN XX/XX/XXXX I PURCHASED A VEHICLE WITH THE VIN # XXXX FINANCED IT THROUGH CREDIT ACCEPTANCE. I SUPPLIED ALL DOCUMENTS OF THE VEHICLE I PURCHASED WITH PURCHASE AGRREEMENT, FINANCE PAPERWORK THROUGH CREDIT EXCEPTANCE, THE VEHICLE WARRANTY, A COPY OF THE NEW YORK STATE TEMPORARY CERTIFICATE OF REGISTRATION, A COPY OF THE WINDOW STICKER AND TWO DOCUMENTS FROM XXXX OF RECALLS ON THIS VEHICLE ALL SHOWING THE VIN # OF THE VEHICLE I PURCHASED.. I TRADED THE VEHICLE IN XX/XX/XXXX ON A VEHICLE XXXX XXXX XXXX XXXX FINANCED THROUGH XXXX XXXX WHICH IS IN GOOD STANDING ON MY CREDIT REPORT.. PLEASE DELETE THIS FROM MY CREDIT REPORT.. THANK YOU 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 2018-10-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called HSBC Bank that {$14000.00} was drawn from my checking account fraudulently on XX/XX/18. While I was talking to them another {$12000.00} was drawn. I called again XX/XX/18 to find out status of my account and found out that the request for block and transfer of money back was never made. I called them again today and been hold for 75 mins and no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
After XXXX  breach, XXXX  gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, Transunion and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.

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 2020-05-08
Company: Experian Information Solutions Inc.
State: LA
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 reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : 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 2020-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Last XXXX, we travelled to NY and stayed one night at the XXXX XXXX ( XXXX XXXX ). The room, one of two elevators were working, construction, etc. was terrible so we left after the first night. We had to call and cancel since there was no actual Lobby due to construction. 
When we came home we were billed for all four nights although we left after one. We were also billed on same credit card for our second hotel ( XXXX XXXX XXXX ) for the same 3 nights. I have been disputing this but credit card company ( Chase Ink. ) has found against me. I have continued to ask for hotel 's response, both verbally and 4 or 5 times and in writing but have only received original reservation. I was told that they admit I cancelled the stay on XXXX, but they FALSELY claim we stayed there until XX/XX/10 anyway.. 

I also provided additional information ( see below ) and could provide more but the credit card company does not answered me. 

[ Following is from our submittal of dispute ] To begin, please see attachment A1, on XXXX there is a Room Service charge in the amount of {$51.00} for a meal. That is the last room service charge of any type on our bill at the XXXX. 
If you look at attachment B and C they prove that we were actually at the XXXX XXXX XXXX. 
Attachment B, shows that we paid for a meal on the Chase Inc card on XXXX when we arrived. Attachment C ( the XXXX XXXX bill ) proves that we not only stayed at this hotel but we had breakfast on XXXX, XXXX, XXXX XX/XX/10. We also had a minibar charge. ( the reason breakfast was so cheap was our room package came with a {$25.00} a day meal credit ) This clearly evidences that we stayed at the 1 XXXX XXXX XXXX and not at the XXXX. The fact that we had meals, and mini bar charges at one hotel and the XXXX has no further room charges evidences they are mistaken. Clearly, I would not pay for two hotels ( or could possibly ) be at two hotels at the same time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been in the USA since XX/XX/XXXX as an XXXX. I applied for my 3 free credit reports on XX/XX/XXXX and received from XXXX  and XXXX with no issues. I received none from Equifax and was asked to submit a written request with proof of address and ID, which I did on XX/XX/XXXX using my SSN and driver 's license in colored copies. I have now received a letter, which I'll attach, saying I should submit the same documents because I was not found in their database. 
I have applied for refinancing and was denied, I will apply for a loan for school shortly and I'm worried about the interest rate or being denied if they use Equifax as their credit reporting agency. If my information is available and accurate for the other 2 agencies, and one said they've been monitoring me since the day I arrived, why can't Equifax find it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Advance America, Cash Advance Centers, Inc.
State: WY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Today XX/X/17 they called me then called my sister saying they have issued an arrest warrant for me cause payment bounced and it 's been months

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: SYNCHRONY FINANCIAL
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:
XXXX client, XXXX XXXX is a victim of identity theft. He received a letter from XXXX XXXX   confirming an application was submitted with his information without his consent. This account has been reported to XXXX, XXXX  and XXXX. An official dispute of this inquiry was mailed certified with return recipe tto SYNC/XXXX  however as of this date no reply from XXXX XXXX has been received. This is a violation of the FCRA and my client 's consumer rights.

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 2021-03-01
Company: LEXISNEXIS
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:
Consumer file number : XXXX - Case number : XXXX. On XX/XX/XXXX I submitted a dispute together with my identity information XXXX  # XXXX XXXX XXXX XXXX XXXX received XX/XX/XXXX by XXXX XXXX. Since I did not receive a dispute result letter I followed up on XX/XX/XXXX with a letter to send me an updated report with the deleted information. I received a general response letter dated XX/XX/XXXX asking me to mail in a request form. It has been more than 30 days since my initial dispute and I demand that the information to be deleted as required by Federal Law. Anything else would mean that this company does not have to follow Federal Laws. Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Southern Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 company put a collection on my credit that's not mines, asked them to validate the debt. they said they don't need to and hang up phone

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 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XXXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.

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 2021-09-07
Company: DISCOVER BANK
State: MI
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/XXXX I filed a dispute with Discover Card regarding a transaction for XXXX dollars - the Merchant had fraudulently/incorrectly shipped a product and had mentioned that I should simply decline the shipment and they would refund the monies. This was on XX/XX/XXXX. 

After declining the shipment when the merchant refused to refund the monies I filed the dispute. Dispute # XXXX. 

On XX/XX/XXXX Discover sent me the following message " A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. '' When I contacted them on why the charge was valid since I had shown proof that the vendor had already recieved the product back and was refusing to refund the monies - discover mentioned that they closed the case prior to me sending them additional information ( I had sent them the proof immediately on receiving it from XXXX ) so now there was nothing they could do. 

They suggested I email them the communication from the vendor showing additional proof which I did on XX/XX/XXXX. Even after this Discover contends that the information is insufficient and refuse to explain why they will not refund the monies when they have the proof that the vendor has the shipment and I still do not have a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is  directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.

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 2019-02-07
Company: FirstPoint Collection Resources
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call but never lists any information beyond " an attempt to collect a debt ''. I do not wish to call and give my personal information as this may be a scam. I recently received a call from someone named " XXXX XXXX '' who will be attempting to " serve '' me papers at both my home and work address. My concern is no correspondences have been mailed to any physical address but now I am being threatened with court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Insurance/Mortgage Fraud by New REZ ( now different name, keep changing names ), Shellpoint ( Servicer ). Took 126 acres raw land additional beyond land associated with the home approx 40 acres. Could not sell, nor tap equity, now abundant with current market. XX/XX/2021 began 4 month seize of vandalism harassment to home. State police/sheriff refused service to my countless complaints regarding incidents. Felt my duty to protect FHA responsibility. No one will assist. Did not receive insurance payout for claim to repair home. Mortgage payment is for entire 168 acres. The bank unknowingly purposely took additional value of land for unknown purpose/back deal. All part of the harassment to get me to walk from my home. When I originally purchased additional land was for investment. Land 168 divided into 4 parcels - 1 parcel devoted to home. I need additional released from this land to sell without a lien.The bank has refused a release. Bank demanding a survey. The county clearly has identified 4 separate parcels. One for home. I am currently in temporary forbearance plan as I navigate my options. My credit is now in bad shape due to elder finance loss and exploit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX and Experian are not reporting that I have an open credit card account with XXXX as does my wife. I am secondary on this account. It was originally being reported then one day it disappeared off of my credit report impacting my credit score by 50 points. this credit card has always been paid on time. I have attempted to contact the credit bureaus as well as XXXX to fix this problem to no avail.

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 2020-06-24
Company: EQUIFAX, 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 have an alleged debt on my credit report reported by XXXX XXXX XXXX XXXX, stemming from XXXX University. I disputed it as it's older than 7 years and should not be on my credit report regardless if it's owed or not. I disputed it based on this. The response to the dispute was that they verified this item belongs to me. This does not address that it is older than 7 years. 

I submitted the dispute on XXXX/XXXX/20. I received a response XX/XX/20. 

Equifax also has accepted and closed the dispute, even though the response does not answer/resolve my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax continually chooses to report an invalid tax lien on my report. I have asked them to verify this information many times. I have spoken with the company who reported the invalid tax lien XXXX XXXX and they did apologize and deleted the information from my XXXX XXXX report and they have sent this information to Equifax. Equifax chose to remove one of the tax liens but refuse to remove the other. This is hurting my chances of obtaining the credit that I deserve. XXXX XXXX could not verify the tax lien belong to me. I asked the Equifax representative where was they getting this invalid information from and she stated that they received this information from XXXX XXXX, but XXXX XXXX sent them a request to remove these invalid tax liens almost 3 months ago. I should not have to suffer because Equifax refuse to remove an invalid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2020 I received a voice mail from Chase. The voice mail as transcribed by my assistant was : " Hello, this message is for XXXX. My name is XXXX and I'm calling from Chase in the executive office regarding the concern that you submitted to the cfpb. Wanted to let you know that has been received in our office, and we will begin researching it at the same time. If I do have a complete resolution, I will provide that information to you by phone and then we also respond directly to the cfpb in by letter. If you have additional questions prior to receiving my response, you can return my call at XXXX. The extension number is XXXX, and my normal office hours are Monday through Friday XXXX XXXX Until XXXX XXXX Eastern Standard Time. Thank you and have a great day. '' I had previously informed Chase that I prefer not to communicate via telephone. It looks like Chase has not informed its associates about my communication preferences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Block, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On or about XXXX XXXX I used my cash app card to pay a {$25.00} pet fee at a hotel. I signed the slip stating {$25.00}. This was not a hold for incidentals. 

The next day the hotel changed the charge to {$170.00}. The next day they changed it to {$250.00}. They then submitted for payment for {$300.00}. I did not authorize this nor is there a reason for this. 

I immediately told Cash App not to pay this but they paid it. In XXXX I filed an official complaint. It is now XXXX XXXX and I'm still waiting for my {$270.00}. Cash App continues to say they are investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted all three bureau 's, XXXX, Transunion, and XXXX  previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.

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