BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  It's showing that I've have several late payments and charge-offs. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on two credit bureau 's report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up.

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: AZ
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To : XXXX  XXXX RE : XXXX XXXX  XXXX # XXXX I am writing this letter in response to the letter received from you dated XX/XX/2020, concerning an ExxonMobil account. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you this debt does not belong to me. This debt may be the result of unauthorized charges, therefore I am requesting you to provide me with verification that ExxonMobil conducted a proper investigation, proof of their investigation and the unredacted file they received and used to conclude their decision. I am also requesting validation of the debt as my right under. ( 15 USC 1692g Sec. 809 ( b ) ) I am asking that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you or anyone. You know the drill and I am advising you to act accordingly. 
Your non-compliance with my request could be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response.

Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, Mi. 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 2022-04-27
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: Personal information incorrect

Complaint:
Three problems : 1. I asked that a Fraud Alert be removed. They said it had. It has not. I need the fraud alert removed. 

2. Due to an apartment fire, I was moved from XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, GA XXXX to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I was told over the phone the address would be corrected to XXXX XXXX. It is still wrong and shows XXXX and that is creating a problem. I need the Apartment number corrected to XXXX. 

3. Experian has my credit score at XXXX. The other bureaus have it at XXXX and XXXX. I have reviewed my credit report with Experian and see no reason it should be lower. After an extended delay Experian sent me a letter that they could not understand what I was asking for and closed my file. No attempt was made to reach me by phone. I can not reach a representative at Experian. They won't connect me to a representative and state that nobody is available. They may doubled reported an unsatisfactory account. I need them to manually go it and review my report and correct my score. Two reports were made for XXXX XXXX XXXX XXXX in XXXX, XXXX. I did file for bankruptcy.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: NV
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:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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, 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-01-18
Company: Mortgage Lenders Investment Trading Corp
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, RP Funding has published my XXXX 1098 Form with incorrect information. This form states that they paid XXXX County, FL {$8100.00} for XXXX Property Taxes, when in fact the amount due and actually paid was {$7800.00}. The XXXX County, FL Finance Director confirmed to me that they had received only one payment for my property, on XX/XX/XXXX in the amount of {$7800.00}. I originally notified RP Funding of this error on XX/XX/XXXX which would have provided enough time for them to correct their error with my escrow account and issue a correct XXXX Form 1098. They have not responded to my request concerning the incorrect 1098 form. 

Their error and unwillingness to correct their mistake in a timely fashion is causing me to delay filing my XXXX Federal and State Income Taxes. 

I've attached copies of my original written notice to RP Funding dated XX/XX/XXXX, the receipt for payment of Taxes from XXXX County, FL showing a payment date of XX/XX/XXXX and the incorrect Form 1098 that RP Funding has published and provided to me on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: IN
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, 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 an 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 explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: IL
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:
I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2019. It has been more than 30 days, and I have not received any proof that the company validated the debt.

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 2018-10-10
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  is reporting a {$190.00} bill on my credit report from XXXX. We have explained to this collection agency, that this service was covered and paid by our health insurance. However, they tell us that they refuse to investigate the matter, and the only thing we can do about it is pay them {$190.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase has many cards ( 9! ) that have Ultimate Reward points. The Freedom Unlimited card, the regular Freedom card, the Sapphire card, the Sapphire Preferred card, the Sapphire Reserve card, the Ink Unlimited card, the Ink cash card, the Ink Preferred card and the Ink Premier card ( which is a new card ). 
The way it always worked was that all these points can be moved around to each other ( under the same household ). I had XXXX points on my Ink Premier and around the same amount on my Ink Unlimited card. Ultimately I wanted to use them to transfer to an airline of my choice. So to make it easier to track, I decided to combine them into 1 account. So on XXXX XXXX XXXX I moved my XXXX points from my Ink Unlimited to my Ink Premier.

Then I realized to my horror that not only can't Ink Premier points be transferred to airlines, I can't even move it back to the card it came from! The Ink Premier card is a trap, it's the ONLY Ultimate rewards card that can receive, though can't send! So now I'm stuck with such a huge amount of points that I wanted to use to fly and instead just stuck with their lousy cash back option. 
Very very upsetting and very unfair that all other 8 Chase ultimate reward cards, points can be moved in and out, and the Ink Premier can only receive! If Chase wants the Ink Premier card to be a different product than all the other cards, then they shouldn't let points in as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EAST WEST BANK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I use XXXX XXXX XXXX ( XXXX by East West Bank ) . 

I use my XXXX XXXX account transfer XXXX to another XXXX XXXX account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. Both the payee and the payers XXXX XXXX account were frozen {$6000.00} ( later, I recharged my bank account, so there is enough balance to frozen ). 

So far, 8 months have passed and the remittance status has not yet been confirmed. 

I have complained about this issue on consumerfinance.gov last month ( see the attachment ), but bank still tell me wait. 

I have been waiting for the bill confirmation for 8 months, but I still haven't waited. 

Bank have never told me the exact confirmation time. 

I really have no patience to continue waiting. 

I hope the company can help me solve this problem, otherwise I can only complain over and over again.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My identity was used by someone else to open fraudulent inquiries. This has resulted in the following ; XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX I am seeking to have the FRAUDULENT inquiries removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, 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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX I Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX BANK Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX AUTO Date of Inquiry 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 non-monetary relief
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: NV
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: Problem getting your free annual credit report

Complaint:
I have requested a copy of my credit report due to fact Experian has not opt me out of credit offers. I opt out by letter 2 times to XXXX XXXX XXXX XXXX Texas XXXX Experian does not mail me a complete copy with all the pages to my credit file with all the pages with everything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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 a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : MIDLAND CREDIT MANAGEMENT Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Atlanticus Services Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a Fortivia credit card. Over the year, I have held this card I have used it very sparingly. I have not made many charges on this account. When I did use the card, I paid my balance in full in the month I used the card. In XXXX of 2018, I noticed I was getting a bill for {$5.00} a month even though I did not charge anything on this card. I was advised that this was an account maintenance fee. I asked then to pay the entire XXXX a month for the account maintenance and was told I could not. I expressed concern at that time that the {$5.00} was being charged every month even when I did not use my card. I was told then that the {$5.00} account maintenance fee would just sit on the account accruing and could be paid when I made the next purchase with the card. I agreed to leave the account open to keep the buffer of overall available credit to help my usage score with the XXXX at that time with the understanding that I could pay the account maintenance fees that accrued at the time of my next purchase and they would not negatively effect me. Today I found out that they have reported my account delinquent to the credit bureau over account maintenance fees, not purchases, they would not let me pay all at once but spread out over months- although I had the means to pay all at once and attempted to do so several times. As a consumer, I should have the choice to spread payments or pay them in full but was repeatedly denied this request. Today, I attempted again to pay the maintenance fee in full and requested they reverse the negative reporting on the credit bureau. Again I was refused. 

This is not ethical and predatory behavior by Fortiva Credit. They are damaging my credit over a fee they will not let me pay all at once. I respectfully request that the negative reporting be corrected and my account be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Eastern has an account on my credit report that is false representation. I did not owe neither have I paid their company any money. I would like documentation with my signature stating that I made an agreement with this company to do business with them. I want this account removed from my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation