BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my credit reports from each bureau, I noticed that the last payment dates for the aforementioned account differ among them. This inconsistency raises concerns regarding the accuracy of the information being reported. According to my records and the information provided by the creditor, there should be uniformity in reporting this particular account 's last payment date across all three credit bureaus. 
I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of reporting accurate and fair information. According to Section 1681s-2 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in reporting for account number XXXX clearly violate this provision. 
Furthermore, under Section 1681i ( a ) ( 5 ) ( A ), if any information on a consumer 's credit report is found to be inaccurate or can no longer be verified, it must be promptly deleted. Given the inconsistencies in the reporting of the last payment dates for the aforementioned account, I request that you conduct a thorough investigation and take immediate action to rectify these discrepancies.

I kindly ask for your prompt attention to this matter to ensure that my credit reports accurately reflect my financial history. Please provide me with a written explanation of the steps taken to address and correct the inaccuracies within the statutory time frame.OR DELETE immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am just getting caught up with bookkeeping for XXXX and did not notice these charges until now. I always pay our accounts in full each month by the due date. When I complained to Chase, the representative said the payment isn't credited until the money is received from my bank but their website states it differently. It is deceptive, at best. They have refused to credit my account. Three times when making a payment on Chase 's site, it states that the payment will be credited THAT day. 1. " If you're paying between XXXX and XXXX ET, we'll credit your account for the date you choose but you might not see it for 1 to 2 days. '' 2. ( After I made a payment today XX/XX/XXXX ) : " We'll withdraw as an ACH debit from your pay from account ending in ( ... XXXX ) and the payment to your credit card will be dated on XX/XX/XXXX. ''. 3. ( Payment confirmation ) " Payment date : XX/XX/XXXX. '' I was charged interest for payments I made on or before the due date. Account ending in XXXX : XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$30.00} ; Account ending in XXXX : XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$110.00} ; XX/XX/XXXX {$27.00} ; XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$34.00}. Please note this is for two accounts. I was only able to input information about one of the accounts on the subsequent page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives XXXX compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a XXXX complaint i filed. 


I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to 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 2023-01-10
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: Their investigation did not fix an error on your report

Complaint:
I've tried several times to fix this issue and to no avail, nothing happens. I will disclose the last letter that was sent 11 days ago to the credit bureaus because the letter that was sent in XXXX as well as my cfpb complaint fell on deaf ears. Also, please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Family support Bureau Code : Individual Account Status : Open Monthly Payment : {$500.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : 1 High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX My date of last activity and my date of last payment haven't matched up in 3 months. 

My XXXX payment history went from a collection to XXXX  months of late payments up to XXXX  days. 

This account has been reaged.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
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 suspect these accounts are the product of identity theft : XXXX XXXX {$0.00}, XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-13
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Someone used my Information to open a Carloan with Santander some years ago Ive been going back and forth with them and the Credit Bureaus showing this isnt me and they are still saying its me and keeping this on my Credit report Ive never purchased a car though them nor have I allowed anyone else to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I applied to rent a house recently, and I was denied. Trans Union is providing inaccurate information on my credit report through their rental application process department. It shows that I have XXXX XXXX  ; XXXX in XXXX XXXX, XXXX in XXXX XXXX that was dismissed because I paid it. XXXX in XXXX XXXX XXXX XXXX I never resided in. I contacted Trans Union and submitted XXXX dispute ( XXXX ) for XXXX of the XXXX  in XXXX XXXX. None of these evictions should have been on my report. I filed XXXX  XXXX bankruptcy and all XXXX judgements were added. To my bankruptcy, except XXXX XXXX because I never lived in XXXX XXXX and this information is inaccurate. Trans union needs to remove this inaccurate information on my credit report this XXXX cause me to become homeless if I can not get a leasing and/or rental agency to except my application. I have already wasted a {$150.00} dollars on application fees. I spoke with XXXX in Trans Unions XXXX XXXX department and she told me that it doesnt matter if I filed bankruptcy. That trans union can report whatever they find in the system about 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: WI
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: Other problem getting your report or credit score

Complaint:
Experion offer of free credit monitoring through XXXX. Never received credit report but got a lot of email advertising for credit cards. Then suddenly saw a debit pending on my bank account for {$21.00} from XXXX. I did not sign up for a membership and did not authorize this charge. Called them to demand they remove this charge and also called bank to dispute. I found in my research of consumerinfo.com, this has been a common practice with them and were actually fined by the FTC in XXXX for this very thing

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 2023-02-21
Company: Nelnet, 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:
I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a summons regarding an account I was not familiar with on XXXX/XXXX/21. I responded to disregard any legal action meanwhile disputing it with the XXXX main credit bureas. I recently had to update it as identity theft. The debt buyer is now attempting to take me to court for an account that was never mine. I have only been provided monthly statements that they sent to an address that, at the time was not my current address. There is no signed contracts included. I have never seen this debt or the creditor and I am provided very little. They had another " collection '' account that was apparently mine but soon after my dispute with the XXXX main credit bureas, they deleted it due to it not being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX, XXXX Disputing information on credit repirt I am writing to dispute inaccurate informatiin that your company supplied to the creditor listed above ( XXXX experian, XXXX ) Here is a list of inaccurate accounts XXXXXXXX XXXX acct number XXXX XXXX  XXXX acct numberXXXX XXXX XXXX XXXX XXXX acct : XXXX According to my records the information you are reporting inaccurate. I demand that you remove this information. 
By provision of the fair credit reporting act of 1970, U.S.c $ {$1600.00} et seq., I demand that these items be reinvestigated and deleted from credit record.

Under the terms of the section 1681 ( i ) of the act, you have 30 days from the receipt of this letter to verify this disputed information.

Also, pursuant to 15 U.S.C.Section 1681 ( d ) of the act, please notify me when the items have been deleted

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 2023-01-10
Company: WELLS FARGO & COMPANY
State: VA
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:
Hello, I'm submitting this complaint because Wells Fargo failed to properly resolve my dispute of a XX/XX/2022 charge. I have spoken to Wells Fargo employees more than a dozen times and sent follow-up letters providing information they indicated would be useful. The matter remains improperly unresolved, with Wells Fargo providing vague and inconsistent information about the decision and process -- when it provides any at all.. 

Wells Fargo has provided frustratingly little information about its decision. Its written communications : 1 ) merely assert that the charge was valid ; and 2 ) attach a copy of the merchant 's terms that is different than the terms that were not in effect when I made my purchase ( which I can prove with screenshots ). 

Consequently, my primary source of information about the decision has been calls with Wells Fargo 's dispute department. During these, supervisors repeatedly asserted that it does not matter that the merchant 's service was not " as described. '' Rather, they have stressed that the only thing that matters is that the merchant provided a service and I used it. I don't believe that this is the right standard. 

In addition, procedural irregularities have characterized Wells Fargo 's treatment of this matter. For example, the case manager refused to talk to me, his memo made little sense when someone else read me its reasoning, and no one allowed me to respond to the merchants reply before dismissing my case ( despite multiple promises that Id be allowed such an opportunity ). Similarly, Wells Fargo provided told me that I could request to open the claim, and then told me I couldn't, and then said I could, and then ultimately refused to allow this -- all while promising to explain its position in writing and failing to do so.

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 2023-03-25
Company: EQUIFAX, INC.
State: VA
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX A XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX CT XXXX XXXX VA XXXX XXXX XXXX XXXX BV XXXX XXXX VA XXXX XXXX XXXX XXXX BV XXXX XXXX VA XXXX XXXX XXXX XXXX BV XXXX XXXX VA XXXX PROF XXXX XXXX Balance Owed : {$300.00} XXXX XXXX CO XXXX Balance XXXX XXXX {$280.00} XXXX XXXX CO XXXX Balance Owed XXXX {$540.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF WI XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
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:
I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, EQUIFAX, XXXX, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. 

The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXXXXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} TD BANK XXXX # XXXX. BALANCE {$4900.00} TD BANK XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} EQUIFAX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXXXXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a wire transfer to coinbase.com. I was going to purchase some cryptocurrency. The day after it was purchased and placed in my bitcoin account. There was an unauthorized transaction and the cryptocurrency was sent somewhere without my permission. It was {$10000.00}. I dont know where that money went, and I did not authorize it. I believe my account was hacked and someone transferred my funds possibly into a crypto wallet. I would like that bank transfer to be reimbursed. This was done on XX/XX/XXXX. The transaction was a XXXX bank transfer from my personal account.

Company response to consumer: Closed with explanation