BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



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 vears.

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 2021-01-02
Company: EQUIFAX, INC.
State: MN
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:
The public record of discharged chapter XXXX bankruptcy : XXXX listed on my Equifax is inaccurate information and not my bankruptcy case or public record information. The United States District Court District of Minnesota Bankruptcy Court informed me that they did not report the public record thats currently listed on my Equifax credit report, because they do not report any bankruptcy cases to Equifax, XXXX, XXXX XXXX or any credit reporting agency. The following credit inquiry listed on my Equifax credit report is fraudulent and not my credit inquiry : XXXX XXXX  XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NC
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 submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion : BANK OF XXXX I request that you contact BK of XXXX because you do not show address on your credit report Nor no account number document enclosed. I request from BK of XXXX  to send myself a copy of date of last activity date of last payment, account number, bal. as for your reporting this should be remove from my report for inaccurate incomplete reporting by 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 non-monetary relief
Consumer complaint received 2021-01-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2020, I switched my automatic payments to pay {$800.00} dollars off my remaining statement balance instead of the the full balance of {$2300.00}. Every month, I typically have my automatic payment on to pay the full statement balance, but due to holiday expenses and my partner 's loss of her job, I wanted to pay increments to make sure we had enough on hand for emergencies before my next paycheck. I received a confirmation that my automatic payments had been modified, and so that month I only transferred enough to my savings account ( which I use to pay off my credit card ) to cover the {$800.00} with a bit extra left over. I then received notice from my bank a week or so later that Chase had tried to charge my savings account for {$2300.00}, the full statement balance. This was obviously a mistake, and I was able to have my bank reverse the penalty charge by confirming with them that this was a mistake Chase had made. I went to my Chase account and made sure {$800.00} was paid manually, but I received no communications from Chase until today, when they notified me via a letter in the mail that they have closed my account because of the returned payment. I've never before had this issue with Chase and it seems i'm being penalized for their mistake with automatic billing on their website/app. I tried to dispute this directly with Chase but two representatives told me that they couldn't reverse the decision nor make sure it would not effect my credit. I have no desire to open a new account with Chase, I would just like to make sure that my credit is not effected by their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-01
Company: HALLMARK HOME MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I recently closed on an fha loan for a home I just bought on XXXX2020. The house had termites and bedbugs and very many other issues that were not taken care of which was a breech of contract and should of never have passed fha guidelines, or been approved for the loan. I would like this looked into and resolved. The invoices I received after the closing from the seller was missing and never was address in the agreement from the inspection. I was taken advantage of by my realtor, lender, and the other realtor also XXXX XXXX XXXX because they obviously didn't go over the paperwork that clearly states termites were visible in the inspection and never addressed or disclosed to me.also during signing I felt rushed and was just told to sign and next page, not givin a proper explanation of anything I was signing or informed of new discoveries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: MN
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:
The public record information Bankruptcy Chapter XXXX Discharged, XX/XX/2020 listed on my Experian credit report is inaccurate information. The United States District Court-District of Minnesota  Bankruptcy Court informed me that they do not report bankruptcy cases to Experian, XXXX, XXXX XXXX or any credit reporting agencies, and they did not report the bankruptcy chapter XXXX discharged, XX/XX/2020 public record thats currently listed on my Experian credit 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 explanation
Consumer complaint received 2022-04-30
Company: FIFTH THIRD FINANCIAL CORPORATION
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 was shopping for a car but I wasnt sure yet. They ask for my social in order to test drive the car. I precisely say I dont my credit to be pull. I find out they did and the manager promised it will be removed ASAP. A year later ou its still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Bread Financial Holdings, Inc.
State: MO
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 opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under XXXX but the very first billing statement from XXXX XXXX stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over XXXX dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with XXXX  making the process very difficult. The account was finally closed in XX/XX/XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist.  This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-01
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld is reporting medical records to credit bureaus ( XXXX  XXXX  XXXX  ) I found out onXXXX20 that the accounts have not been in there office for a couple of months but they are still reporting them to the credit bureaus as of the have them. I called and ask them to be removed from all of 3 credit bureaus they told me that they couldnt unless the original creditor ask them to but they down have the collection in there office any more. I asked why are they reporting the collections to the credit bureaus if they no longer have the debt they informed me its because the original creditor has to tell them to stop. I told them under the fcra guidelines they are reporting false misrepresentation under 15 USC Section 1692E. I called the credit bureaus to have them pull it off my credit reports because thats misinformation they told me they cant ... .. when I know they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions Inc.
State: MI
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: Didn't receive services that were advertised

Complaint:
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX I tried disputing these on my credit report with Experian and XXXX XXXX but they didnt come if they said it was accurate but its not these accounts were opened fraudulently 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 2021-01-02
Company: Experian Information Solutions Inc.
State: MN
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:
The following information listed on my Experian credit report is inaccurate, fraudulent and not my account or credit inquiry : XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX. The XXXX XXXX XXXX  account was fraudulent and not my account and the XXXX XXXX XXXX  credit inquiry is fraudulent and not my credit inquiry.

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 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
they wont let me pay my bill, my card and my accounts were stolen, ive reported this and they keep on calling i would like them to cancel my debt i dont have my card my information was stolen this has been going on over a year and a half im going to take them to court. if they cancel the debt appologise ill let it go if not ill file a case harrasnent and creatting virtual reality money. sorry thanks for you time i hope the we can resolve this they owe me my bill when i went to pay it offf was never added to the dept but it charged me what i payed. i thouight we solved this already., my card was stolen alos i dont have that information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
There and underground as tagged criminal & corruption toward me veteran, and federal medical retirees and disable citizen, veteran. The company involved well known as unfair, favorable to me, etc. Claim to sold or stolen my home out of the hands of navy Federal Credit Union and title switched all unconsented for blind side and overthrow both me and the government, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, from my discovered there XXXX issue quick family it goes by the name XXXX XXXX both male and female and some children involved I'm making monthly payments on my home they sent me some documents saying it was sold and wanted to give me a token and not pay me for the property value he has a total value of {$210000.00} and they want to send me a company mug and said the home is paid off and I'm still making payments now that I get my investment out of it it appears as either white or XXXX XXXX crime towards me the XXXXXXXX male XXXXXXXX XXXX XXXX who refused to associate and have company and such a manner without information. The apartment upon your investigation I need to know the findings so I can assign a lawyer for corrective action and criminal prosecution seeking mandated and reimbursement for aggravating and harassment all over Immortals practice only at me to include wrongful Labor practice with the intent to profit off my merits and hard works earnings, their retaliation and reprisal Prejudice discrimination towards me because I handle my own business and make my judgment reduce the lack of information it was hidden the company and their family Network you've said company belittle me of my status as a XXXX citizen and a XXXX of the land of the law it appears they're looking for a movie in ready living free I refuse to roll forward on such illegal activities practice and rehearsal from that company and family the information has been blocked from the screen or the XXXX XXXX I'm here to help and assist for conviction and relief retro my address is as follows, XXXX XXXX XXXX XXXX XXXX Texas XXXX, and I am living remotely out of my vehicle because of their XXXX business help me on the flea ... I can be reachable at XXXX or e.mail both of the two.. 
Bills of rights involved violations out intents for harm and discomfort.. I look forward for a verbal feedback as soon as possible. 
XXXX XXXX XXXXXXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Idaho Housing And Finance Association
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Idaho Housing ( mortgage lender ) continues to show payment history for 1st and 2nd mortgages made after Chapter XXXX bankruptcy on XXXX  credit report. Additionally, lender has failed to report that the 1st and 2nd mortgage were included in the bankruptcy on my XXXX  credit report. Also, the 1st mortgage shows up as being closed and the 2nd mortgage as being open. Due to the bankruptcy laws, the mortgage company is not permitted to report anything on the account, including payments, balance or missed payments AFTER the bankruptcy has been discharged ( XX/XX/2016 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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:
Please note that XXXX XXXX has corrected the bankruptcy error on my credit report with them. Equifax and XXXX have given written notification that they both received the information from XXXX XXXX. I have submitted the supporting documentation I received from XXXX XXXX to both bureaus and both Equifax and XXXX refuse to review the documentation and update my reports. 

Equifax went on further to send written documentation that both the Federal Bankruptcy Court and XXXX XXXX confirmed the accuracy of the tradeline to them on XX/XX/2023. I am unsure which portion of the court was open to confirm especially since this is a legal federal holiday. State and Federal buildings are closed on this day along with banks. 

Both bureaus have stated XXXX XXXX has not reported this information to the bureaus per the 5 days they have to correct the error and we are now going on almost 120 days.

Per CFPB " Consumer reporting agencies have 5 business days after completing an investigation to notify you of the results. ''

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: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I verify that these inquiries are not mine, nor do i recognize them. I demand that they be deleted and removed. 

Inquiry Source : Experian Inquiry Date : XX/XX/2023 Name : Experian Bus Info Solutions Business Type : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Source : Experian Inquiry Date : XX/XX/2023 Name : XXXX Business Type : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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