BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My purse was stolen on XX/XX/2019, with my bank cards and ID. I phoned Experian during business hours, but that was useless. I was unable to contact Experian because their phone number went to a recording that told me to go to their website, and their website would not let me report the problem unless I bought a paid membership from Experian. I could not access any other way to contact Experian with my free account ( that free account was given to me because of some kind of widespread problem in the past -- that problem was not specifically mine ). I did successfully file a fraud report with XXXX. I also froze my credit report at both XXXX and XXXX. Experian has received and noted the fraud report on my free account, but they demand that I pay for an upgrade in order to freeze my credit report at Experian. I can't even ask Experian for a free copy of my credit report, to which I am entitled because they have received and noted my fraud report. I will have to write them a letter, but they still won't freeze my credit report unless I pay them. I will send them a letter by U.S. mail, but the delay could harm my credit while my credit report is not frozen. In addition, I will not be able to unfreeze my credit report without paying Experian.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: TN
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:
For Experian the following inquires I did not authorize, give consent, nor do they benefit me. Please have them block and removed. : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX  XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX  XXXX XXXX ). 
( XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Village Capital & Investment LLC
State: IN
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:
In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. Village capital honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to Village Capital about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to XXXX  and XXXX  12 missed or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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: Was not notified of investigation status or results

Complaint:
Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to XXXX XXXX to XXXX XXXX  XXXX XXXX, PA XXXX. I sent a letter to XXXX to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to Experian at XXXX XXXX XXXXXXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?

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 2020-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card 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 explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is in regard following account ; Alleged Creditor : XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police 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 2021-10-01
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: Their investigation did not fix an error on your report

Complaint:
Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed XXXX  XXXX  XXXX ( XXXX  ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and XXXX has failed in correcting the erroneous information. Since XXXX continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.

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 2023-11-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX  XX/XX/XXXX I had to drive the citie bank becouse I was having an issue with my card not working and I couldn't log in with my credentials and every time I tried calling to see if I can resolve the issue they would rudely hang up on me becouse they could not verify my phone number witch I was using that very number to talk to them on .so I went in today spoke to some one to see the issue I wanted answer and what was said to me was that wasn't the only account I had with them that I had a prior account before this one I asked can I see what transaction the only thing they said was there a fraud alert this is the second account I had with them and it was being closed due to fraud and they would mail me my check I had in there and they also gave me the address to the first time I opened it was to my grandmothers address I never used that address in my life so something was vary odd about that a note I might add my family member is really into doing fraud and I suspect that it was my sibling that did all that becouse they stole from me before I just didn't know how to prove it my state pandemic checks every single one was sent out to me and was cashed but not by me i never saw a dime of it and now this account with citie bank is all screwed up and its all coming together and making sense i really need help fixing what is being done to my identity and accounts I worked all my life I should have been blessed to get my stimulus and bank account and my identity is worth alot and these fraudsters just stole my life just like that its not fare I am homeless and my identity is all messed with I worked so dam hard for what I had coming to me please help me figure something out I just don't know what to do or were to start.

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 2022-02-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts and inaccurate address which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts and inaccurate address which is found to be opened due to identity theft. The dispute accounts and inaccurate address do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts and inaccurate address.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  Balance : {$1100.00}

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 2021-03-19
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020, I submitted a dispute to XXXX regarding an erroneous debt placed on my credit file. Even after submitting my identification to verify myself, which is required because I have been a victim of identity theft presumed by a relative more than 15 years ago. XXXX  is reporting the debt of XXXX XXXX / Ars LLC / Ability Recovery Services , LLC of {$860.00}. This item does not belong to me ; I have never had any business dealings with these companies. In a prior dispute, this item was removed from a different credit file ; however, there was no XXXX  response. This account is fraudulent not belonging to me I have not had a relationship of any kind. As a result of the false information or accounts obtained falsely, it negatively impacts my credit, and the bureaus or the collection agencies have NOT done due diligence to verify and rectify.

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 2023-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My parents had a safe deposit box at the XXXX Chase Bank location in XXXX XXXX, Texas. I live in XXXX XXXX, California. After my parents died, I tried to close the safe deposit box. I am the sole heir and had complete power of attorney during their lifetimes. I was on all their accounts, including the safe deposit box. I was told by the XXXX XXXX and XXXX XXXX Chase branches that I could close the box only in person at the XXXX XXXX branch. Time passed. The FDIC instructed banks to start the process of closing safe deposit boxes. JP Morgan Chase in XX/XX/2022 announced it would begin to phase out all safe deposit boxes. I again attempted to close the box. Chase refused. When Chase Bank began demanding payment and threatened to debit safe deposit box fees from my deposit accounts, I again attempted to close the box. Despite my instruction, the FDIC 's instruction, and Chase 's own policy, Chase refuses to close the box. The Chase branch in XXXX XXXX, California where I bank, states there is nothing they can do. The branches claim the only way to close the box is to go to XXXX XXXX, Texas, which is about XXXX miles from my home to close the box in person. This is a problem Chase easily could solve. The Chase policy is a subterfuge to extract fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payments are due on the XXXX of the month. I went online to make the payment today and it was XXXX. The bank that is handling the store credit card does not allow payments to be credited on today 's date or even allow you to make a payment after XXXX. I did not realize this and therefore will be charged a late fee and interest. I feel this is nefarious and misleading behavior by a credit card company/bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a certified letter ( Tracking # XXXX XXXX XXXX XXXX XXXX ), a notarized affidavit and a copy of my photo ID to Experian that was received by them on XX/XX/XXXX. I notified them letting them know that these accounts were not mine. At that time, Experian only deleted the inquires that were on the notarized affidavit, but they never removed the accounts that were listed. Because its been more that 30 days, I later sent another certified letter, notarized affidavit, FTC Report # XXXX, copy of my credit report and my photo id by certified mail # XXXX XXXX XXXX XXXX XXXX that was delivered to them on, XX/XX/XXXX, XXXX XXXX in XXXX, TX. On both occasions Experian was notified and sent all the documents they needed, and they still ignored me. Therefore, Experian has violated the FCRA in pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft clearly after I have told them that I did make this FTC report . I did not receive goods and services, so the FTC and identity block is valid.

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 2023-04-02
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: Account status incorrect

Complaint:
I am not requesting debt validation or a copy of my payment history I am demanding the following late payments to be updated to current due to the following billing errors and Consumer trade and commerce law violations late payments are not legally required to be reported to credit agencies but if reported must be accurate if reported but they fall under transactions and experiences between creditor and consumer pursuant to 15 USC 1681a ( b ) ( d ) ( 1 ) ( 2 ) and 15 usc 1681 ( C ) ( a ) I am also opting out of credit reporting of my personal financial information and Im requesting the limitation of my financial information being share and I do not want any financial derogatory information to be shared please delete all previous derogatory information that has been reported to agencies pursuant to 15 usc 1681s-2 ( a ) failure update account will result in a {$1000.00} fine per violation of U.S codes and consumer rights laws 15 usc 1681n. - Civil liability for willful noncompliance And 15 usc 1681o. Civil liberties for negligent noncompliance u seven days to delete all late payments and all derogatory financial information from my consumer reports

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 2021-03-19
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Key2Benefits has a card to account transfer option. I have used this successfully transferring money to my personal checking account for many weeks in a row. The last to 2 weeks the ACH transfer has been rejected and the money returned to my debit card. I have spoke with Key2Benefit agents on 4 occasions and nobody can fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Chime Financial Inc
State: AZ
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/ there was an unauthorized transaction made via online on my XXXX XXXX XXXX Account. After calling XXXXXXXX XXXX  they advised me to call my bank and file a claim. I have filed both with the seller and my bank multiple times in which they have decided to not issue a refund and deny my claim. This purchase was made as an online emailed gift card to an unknown email using my account and debit card information that was on my world market account. BUT was not made by me or authorized by myself.

Company response to consumer: Closed with monetary relief