BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
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: Account status incorrect

Complaint:
The inaccurate statements on my credit report from Experian has hurt my credit score and at least one credit card company has declined credit citing those inaccurate statements. 


I spent more than an hour yesterday on phone with the representatives of the company trying to file a complaint or dispute to fix the error. I was passed on from one person to another and hung up in the middle, and the same pattern repeated when I called for another hour. The representatives constantly lied about having created a case number that could be seen by others, and others said they could not see the case number. The representatives said my report indeed has inaccurate information and some supervisor will give me a call back, but no such call was received. 


Experian 's credit report has multiple inaccurate and false statements. Here are some concrete derogatory remarks, quoted verbatim : " Few accounts paid on time. You have an insufficient number of accounts that are currently paid as agreed. Number of your accounts currently being paid as agreed : 1 account '' Similarly, on my Experian 's online account, it says that there are 67 % accounts that are " always paid as agreed '', which is also false. 

In reality, I am paying all my accounts 100 % on time, which is evident from the rest of the credit report. The only account I have not paid on time was closed more than a year ago. No other credit reporting agency has this closed account as a derogatory remark on their reports, and they also correctly state that all my accounts are paid as agreed. 


Somewhere on Experian 's system, it has recorded falsehoods about my accounts, payments, and delinquency status. These falsehoods are reflected on my credit reports and these false judgements are hurting my credit score, as well as ability to acquire credit. 


Experian is not serious about the harms its irresponsible and negligent actions are causing me. It took no action after being alerted about this multiple times. 


I am attaching a document with this complaint that contains the following screenshots : ( a ) Experian 's credit report containing the inaccurate statements, ( b ) Experian 's web account containing the inaccurate statements, and ( c ) XXXX 's and XXXX 's credit reports with accurate statements.

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 2023-07-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
JP Morgan Chase Bank Received email notification that Chase Freedom Unlimited card was applied for on XX/XX/23 Notified Chase bank who stated they will close the application and notify credit bureaus to remove the inquiry Notified XXXX, they stated they will process the dispute and identity theft claim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: First Technology Federal Credit Union
State: NC
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:
I was never late on any of my credit card payments back in XXXX and XXXX of 2017! Please either remove the late payments or the entire account! Thank you

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
there's incorrect address, they collect information from fraud account my only address is XXXX XXXX XXXX XXXXXXXX pa XXXX I have called and dispute many time they do not show me their investigation methode I had dispute fraud account with those address without success

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 2020-06-15
Company: EQUIFAX, INC.
State: GA
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:
A request for investigation was submittedto Equifax via the dispute website on XX/XX/20 and on XX/XX/20, I received notification of a investigation completion. Equifax did not verify the information that was provided to them and within 72 hours closed the investigation and provided no verification of the debt that was obtained from the collection agency. The collection agency hasn't provided any verification information either and can't collect on this account. 
I notice that XXXX XXXX XXXX had placed a collection account on my credit reports and I requested a " cease & desist '' because this amount is not collectible. I have no contract with XXXX XXXX XXXX and I have requested them to refer this back to the original creditor. The original creditor had a rental guarantee insurance policy that would pay up to XXXX of rent and up to XXXX in damages in the event of damage, eviction or skipping out on the lease. The policy was paid upon move in and regardless of being paid again, was guaranteed by the insurance company. XXXX would file a claim for the funds and would be paid within 7 days. I signed up for this rental guarantee and they were to collect any rental arrears after closing the books on my unit. XXXX XXXX has no legal obligation to collect on a 100 % guaranteed rental insurance policy account.I am not obligated to pay on an account that should be settled with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-07
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: Credit inquiries on your report that you don't recognize

Complaint:
Delete Hard Inquiries from Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One Bank has giving me unreasonable opt out means and is furnishing my nonpublic information to non affiliates. I am exercising my right to OPT-OUT of capital one sharing my information and directing them to cease the furnishing of my information to the all consumer reporting agency, pursuant to Title 12 Chapter X section 1016.7 ( h ) of regulation P. Per section 1016.7 ( g ) or regulation P, capital one must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 5 business days is reasonable and practicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 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 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 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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
As of XX/XX/2023 I applied with XXXX XXXX for a credit card. I was told my credit card limit and would receive a letter in the mail upon receiving this letter it shows my credit score is XXXX which in fact is XXXX no las month my credit score was in the XXXX. TransUnion not only deliberately report false reporting but also have been reporting my credit score at low reporting since last month which in fact causing me to lose higher credit card approval. 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 
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. I have uploaded my Credit Report from myfico and it clearly shows from last month my credit score were higher and not XXXX this is bs this caused me damaged to even obtaining loan, home approval I request that TransUnion show the credit report they have. I can not obtain my Transunion score due to TransUnion request you sign up and pay to obtain your credit score. Which I don't understand that XXXX is free and so is XXXX but TransUnion wants you to pay for your credit score. So if XXXX is wrong which I highly doubt it then why TransUnion is reporting that Credit Score is Hight but yet reported it low. So explain to me how can I have XXXX credit score and lose XXXX points. This is a lie! TRANSUNION COST ME LOAN APPORVALS AND GETTING DENIED LOANS!

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 2023-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Over 60 days ago, I sent letters to the XXXX major credit bureaus and till this day I haven't been notified about this investigation. I would like this issue treated immediately. This is affecting my financial situation while I am currently enrolled in school. Please resolve this issue, I do not want to have to pay more money than I need to as a student. I need every XXXX. I will file for litigation if I have to.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 15 USC 1681 and fair collection practices act 15 USC XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602A states : I have the right to privacy. 
XXXX USC 1681 section 604a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 section 805a states : a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer. 
15 USC 1692 section 805a section 3 states : at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer for receiving such communication. 
15 USC 1692 section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy abuse or harass any person at the called number. 
15 USC 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 antidates the report by more than seven years. 
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My bank account on a lot of my transactions were being charged more than once then my money started to go low quickly

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 2023-07-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: ProCollect, 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: Information belongs to someone else

Complaint:
Hi i submitted my police report to pro collect and ever proof that it was identify thief these people pro collect and XXXX  has not yet removed this they are sick and rude im about to sue them im tired to the point of they removed the eviction and blocked off my name then put it back on my name due to me not having a police report i sent both company 's my police report still yet they are not tryna remove it so is it anyway you guys can help because this identity used in my name.

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 2022-07-21
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am receiving fraudulent emails DIRECTLY from XXXX. I have reported the two emails directly to XXXX and XXXX and have not received a response. I am highly concerned because they are emailing directly from the legitimate paypal email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started with Sallie Mae in XX/XX/XXXX when I began school at The University of Colorado at XXXX XXXXXXXX. Since I started with Sallie Mae, the company has been nothing but predatorial. They declined a loan based on my financial information, but they turned around and said I qualified. 
Since I began attempting to repay my loans, I have continued to have ongoing problems. The amount on the website and that I can pay are never the same. When I pay, I will receive an email that my loan is not current. 
I receive phone calls and constant misinformation on what I owe. Sallie Mae will call multiple times a day and leave my voicemail box full even after I've cleared all voicemails. They say the easiest solution to paying my balance is to go through the website, but it will not allow me to make the minimum payment. They expect monthly payments, which are difficult for me with my current salary. When I try to contact the company, I experience wait times of up to 4 hours. When I reach a person, I get transferred to several different departments. Most times, the phone will be on hold and then go silent ; eventually, the call gets cut off. 
I was recently in contact with the company on XX/XX/XXXX. We enrolled my loans into a program where I would pay {$540.00} monthly for two years and lower my interest rate to 4 %. I gave them my debit card information to set up auto debit. My first payment was scheduled for XX/XX/XXXX. They failed to charge my account, putting my loan in further default. Predictably the company has been impossible to get in contact with and has now affected my credit score and has resulted in more harassing emails and phone calls. This company is impossible to deal with and continues to harass me and my co-signer. It is also highly frustrating that I am told different amounts due on my loan each time I contact an agent. 
My most recent loan was initially denied due to my previous debts and financial situation. A week later, I was contacted by the company saying that they had changed their mind and were willing to approve me for another loan. Their intent has been malicious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation