BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: KY
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 I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2023-05-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-01-14
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 have inquiries and addresses that do not belong to me and they will not remove from my report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/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 2023-01-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was issued a Cashier 's Check drawn from XXXXXXXX XXXX XXXX XXXX. The cashier 's check was for the total amount they are attempting to collect, however, the amount of cash which was actually withdrawn from the account at the time the check was cashed was much less. The Cashier 's check was for : FAIR COLLECTIONS & OUTSOURCING Potentially Negative Date Opened XX/XX/XXXX Balance {$3900.00} XXXX account. {$3900.00} past due as of XX/XX/XXXX. 

There was about {$200.00} in the bank when the check was deposited. The check was not as it appeared, it appeared legitimate and the banker at the drive through verified funds. There was then a later activity on the account where a representative from XXXX Bank accessed the account, and entered the total amount of the check as being withdrawn, a negative amount rather than the difference between the balance at the time of the deposit, the amount withdrawn from the account at the time of the deposit ( less cash written in the lower section of the right side of a deposit slip ) and the total amount remaining. 

The actual amount owed to the bank is about {$800.00}. 
When going into the bank, the man at the customer service desk placed me on the phone with what was supposed to be their fraud unit. The man on the phone was offensive, rude, and did not assist at all regarding the transaction. 

The bank sent copies of the deposit slip, the cashier 's check, and of the balances resulting in the transactions. 

Everything they sent was deleted from my home computer and from my email. 

When I tried to take cash to deposit money for the negative amount entered resulting from the Cashier 's Check being no good, the card was blocked and no money was accepted at the ATM machine.

The total amount of the check was not withdrawn from the bank at all, and they also attempted to collect locally in illegal forms of collection using trafficking of children. 

The bank is abusing their collection options and the amount is incorrect. 

It was reported to the city police where the account was opened in XXXX, NY on the corner of XXXX and XXXX XXXX XXXX. The police report number has also been since taken from any records in an attempt to say there is no report to refer to only the excess amount of the collection.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights, original creditor was XXXX XXXX XXXX XXXX 
I am not liable for this debt with XXXX XXXX XXXX Account # XXXX The Account was previously charged off. The Account originated on XX/XX/XXXX with XXXXXXXX XXXX The last payment in the amount of {$67.00} was received on XX/XX/XXXX. The Account charged off on XX/XX/XXXX with a balance of XXXX XXXXXXXX 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: NV
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:
Auto loan originated on XX/XX/XXXX with XXXX XXXX XXXX. Amount was for XXXX at XXXX percent rate. 
After closely reviewing the billing statements on XXXX. The total interest paid was XXXX. Total principal paid XXXX. At that time I requested XXXX XXXX XXXX to review the balances and recalculate the correct payoff, if any amount remained. I notified that I would cease payments until rectified. The department did not respond to my letters until XX/XX/XXXX. Instead of acknowledging my formal request, I received a repossession notice. To avoid the threat of repossession I made the requested minimum payment of XXXX on XX/XX/XXXX. I contacted XXXX XXXX via phone center reiterating the billing issues. 
On XX/XX/XXXX the vehicle was towed at my work location. XXXX XXXX admitted to claiming the vehicle and demanding a release fee of XXXX. I informed XXXX XXXX that by repossessing my vehicle after making the requested payment was a criminal act of theft. 
XX/XX/XXXX i reported the matter to credit bureau After a timely delay I received notice from credit agency in XX/XX/XXXX. XXXX XXXX agreed to remove the balance of XXXX. 
Currently as of XX/XX/XXXX credit reporting. The account is worded Write off XXXX. XXXX past due. Along with derogatorily late reporting from XXXX of XXXX during the investigation. 
Please review statements for balance errors.

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 2023-06-13
Company: GOLDMAN SACHS BANK USA
State: CA
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: Problem with personal statement of dispute

Complaint:
On Thu, XX/XX/2022, XXXX I got an email from XXXX XXXX stating that my package has been delivered. When I got home I did not see a package and contacted XXXX XXXX customer support. After speaking with them the customer service rep told me that I will be getting refunded for the missing item. A few days later I get an email saying XXXX XXXX did their investigation and they claim it was delivered by XXXX. After disputing the charge on my Apple card 4 or 5 times I was denied the dispute after providing multiple pieces of evidence as well as a police report from the XXXX XXXX sheriff 's office. The Sheriff cited on the police report as " package theft '' given that the package was left right at the gate entrance where anyone could lean over/ open the gate and take the package. 

XXXX should be held liable as they did not deliver this {$800.00} package to my front door.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
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:
To XXXX, Experian, XXXX : I am writing to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. I would love any feedback possible before taking action against you later down this road together. The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate. I am demanding accurate documentation so you can document me- the person who deserves status in society- correctly. Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquires were not approved and I do not recognize the accounts. 
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 2023-01-16
Company: EQUIFAX, 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:
XXXXime has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX CXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: WV
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:
The following accounts have been challenged and I got no answer back. I really trying to get this information up to date so that I can move forward with my financial journey 1. Date Of Last Activity reporting false and inaccurate data XXXX FIN Account Number : XXXX delete this account because the information is showing wrong data 2. disputes accounts status XXXX Account Number : XXXX delete this account because it is reporting false data account is closed and should be gone XXXX please validate as I believe you are in violation of my rights XXXX XXXX Account Number : XXXX delete this account because it is reporting unverified information - Send Proof - please send proof of proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im requesting debt validation I sent a debt validation request certified Mail on XX/XX/XXXX I previously owned this property through XX/XX/XXXX, I previously called in XX/XX/XXXX requesting all paperwork associated with the foreclosure & I was told they dont have access I would need to contact the county the sale took place in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
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 XX/XX/22, my XXXX account was charged {$99.00}. I immediately tried to contact the company, XXXX XXXX, who made the charge. I had no idea what the company was and I knew I hadnt bought/ordered anything from them. When I called the number, it was a number that was not in service. I then contacted Wells Fargo Fraud Department to let them know that the charge was not authorized by me. Wells Fargo told me they would look into this, credit my account and let me know the outcome of their investigation. My account was credited on XX/XX/22. On XX/XX/22, the charge was put back through my account and debited from my funds. I contacted XXXX again to find out why. They told me their investigation concluded that I had made the charge and it was my responsibility to pay. Also that I could write a grievance letter and see what happens. I reiterated that I had not made the charge but they would not help me any further. Im appalled at how they have handled my case and taken my money. There are several other charges that I have disputed but have gotten nowhere with the bank.

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 2023-02-16
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Chime closed my account with no notice or explanation. After many calls I was told my account would be reopened if I sent a picture of my id, social security card and proof of address. This was emailed to chime immediately. I received a response saying my account could not be reopened but a request had been sent to expedite processing of my closure check with the remaining funds. When I emailed several days later for tbd status of this expedited check I received no response. After 4 days of emailing with no response I called and was told no such process exists and multiple reps hung up on me.

Company response to consumer: Closed with explanation