BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
-- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX part XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IN YOUR RESPONSE YOU AMERICAN EXPRESSED STATED " We have not received an Affidavit of Truth, or a Pre-Arbitration Settlement Request as mentioned in your correspondence. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -WHY DO YOU CONTINUE TO PERFORM IN BAD FAITH AND LIE TO ME?? 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -AMERICAN EXPRESS YOU ARE HERBY PUT ON PROPER NOTICE ON THE FACT THAT YOU HAVE DENIED ME MY FEDERAL RIGHT TO CREDIT WHICH IS DISCRIMINATION IN CLOSING MY CREDIT ACCOUNTS AS YOU CLAIMED BECAUSE YOU SIMPLY COULD FOR NO LAWFUL REASON AND YOU HAVE ALSO DENIED ME MY RIGHT UNDER YOUR ARBITRATION CLAUSE AND HAVE FAILED TO RESPOND TO ALL MY ATTEMPTS TO SETTLE THE MATTER IN GOOD FAITH AND CONTINUE TO CAUSE HARM AND DISCRIMINATION TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THIS RESPONSE IS SIMPLY TO EXPRESS TO YOU THAT YOU IN FACT DID RECEIVE AN AFFIDAVIT OF TRUTH AND PRE-ARBITRATION AND ARE IN DISHONOR AND TO HAVE RECORDED EXHIBITS THAT SHOW EVIDENCE THAT YOU HAVE BEEN PUT ON NOTICE OF YOUR FAILURE TO PERFORM IN GOOD FAITH

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : Dispute of Collection Status Accounts on My Credit Report Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX ) Account Number : XXXX ( XXXX XXXX  - Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX ( XXXX XXXX ) I am writing to dispute several collection status accounts on my credit report, specifically the accounts listed above. I have reviewed my credit report and have identified several issues with the information that has been reported, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate and rectify these inaccuracies promptly, as well as remove these accounts from my credit report. 

The basis of my dispute is as follows : Incomplete and Inaccurate Information : Upon reviewing my credit report, I have found that the information associated with the mentioned accounts is incomplete and inaccurate. It is crucial that the information reported about my financial history is accurate, as it directly impacts my creditworthiness and financial opportunities. 
I kindly request the following actions be taken : Verification of Accuracy : I ask that XXXX, XXXX And EQUIFAX investigates the accuracy of the information reported for these accounts, including verification of the account balances, dates, and any other relevant data. In the event that any inaccuracies are found, I request that they be corrected immediately. 
Removal of Inaccurate Accounts : If it is determined that the reported information is indeed inaccurate, I request that these accounts be promptly removed from my credit report. 
I want to highlight that inaccurate information can have a substantial negative impact on my credit score, which can affect my ability to obtain credit, housing, and employment opportunities. Therefore, I kindly request that you expedite the resolution of this dispute. 

I will also be copying the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office on this correspondence to ensure that the appropriate regulatory authorities are aware of my concerns and that my rights as a consumer are protected. 

I look forward to a timely resolution of this dispute and the prompt removal of the inaccuracies from my credit report. Please acknowledge the receipt of this dispute in writing and provide me with a case number for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: KY
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:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed fraudulent accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: SYNCHRONY FINANCIAL
State: CA
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:
Date of Transaction : XX/XX/2022 Amount Paid : {$820.00} I purchased a gas XXXX chainsaw. The item was poorly packaged and was received damaged in shipping. According to amazons return policy this particular item is not eligible to be returned ( due to it being a gas powered product ) instead it is eligible to be refunded or replaced if the item is received damaged or defective. When I contacted amazon they said they would not do either of those things and told me to contact the manufacturer. the manufacturer said that since it was damaged in shipping to contact amazon. Amazon again would not do anything. I opened a dispute multiple times with the amazon store credit card issuer Synchrony Bank. They have sided with amazon every time even though amazons response didn't pertain to the dispute whatsoever. Furthermore they would never contact me about the dispute via calls or emails the last time and let the issue lapse.

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 2021-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All 3 Credit bureaus are reporting my bankruptcy and stating that this information is coming US bankruptcy court in XXXX Fl. I spoke with Deputy at US bankruptcy court who advised they never report any info to Credit bureaus which is false information and misleading. I also have issues with negative remarks from XXXX XXXX auto loan been reported inaccurately on all 3 credit bureaus. I want a written document showing my signature not a e-oscar online verification system.

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 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 Capital One 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX was taken out my account by a supposedly chime member and I put a dispute in three times got denied and even sent documents showing I was in NJ and the transactions came from PA

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my daughter a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy, but he refused to give me the information. I went online and pulled my credit report. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$280.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: NJ
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/23, I wrote Experian regarding multiple incorrect items on my consumer report including an address listed without the apartment number, and incorrect name, and an incorrect account posted on my report. Since then, they have closed and taken off ( 4 ) account in which I linked with Experian boost causing my credit score to drop XXXX points due to this error. I have sent out an additional certified mail today to be delivered this week stating that I am at this time in the steps of pre-arbitration. If Experian chooses not to contact me to resolve this record in 30 days, I will be forced to initiate arbitration with Experian. 

I can be contacted via email. 
I have attached the necessary files for your records. 
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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is reporting 5 accounts to my credit report and they were opened without my knowledge or consent. I filed an identity theft report and verified my identity and they still do not remove the accounts. They're breaking the law by reporting inaccurate information to my 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 2023-12-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached a report about my unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Have no knowledge of these accounts. I have filed a identity theft 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 2023-10-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX These hard inquiries are not mine this information is incorrect and needs to be removed 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 explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items 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 items : XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am an American Express XXXX card holder and I pay {$5000.00} inannual fees alone for the card and the dreadful customer service associated with it.. I have been an American Express " member '' since 1983. 

I have an additional card on my account. The details of that card were stolen and fraudulent charges appeared on the card. The fraud was reported in a timely manner. The fraud investigation was totally mishandled by American Express and I have still not been reimbursed a total of {$190.00} in fraudulent charges. 

On the first statement on which the fraudulent charges appeared, there was a total of {$390.00} in fraud charges. In the subsequent statement, there was a further {$190.00}. 

Amex originally reimbursed the full {$390.00}, but then did a " fraud credit reversal '' for {$100.00}. When I complained by phone, the fraud credit for {$100.00} was reinstated. On the same call ( XX/XX/XXXX ) I reported the subsequent fraudulent charges of {$190.00}. This report was ignored and I received no further reimbursement from Amex. THIS CALL WAS RECORDED.

Company response to consumer: Closed with monetary relief