BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XXXX XXXX Experian Credit Subject : Request for Removal of Incorrect Credit File Inquiries Dear Sir/Madam, I am writing to formally request the removal of incorrect credit inquiries from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ). I believe that these inquiries are inaccurately reported on my credit report and are adversely affecting my creditworthiness. 

I have recently reviewed my credit report from Experian and noticed that there are inquiries that I do not recognize and did not authorize. These inquiries have negatively impacted my credit score and my ability to secure favorable financing terms. Upon further investigation, I have concluded that these inquiries are not associated with any credit applications or transactions that I have initiated. 

I kindly request that you conduct a thorough investigation into the validity of these inquiries and provide me with documentation that confirms the legitimacy of the inquiries. If you are unable to provide such documentation, I ask that you remove the disputed inquiries from my credit report as soon as possible. 

As per the FCRA, I expect a response within 30 days from the receipt of this letter. If you find that the inquiries are indeed incorrect or unauthorized, I request that you not only remove them from my credit report but also provide me with a revised copy of my credit report reflecting the changes made. 

Enclosed with this letter are copies of relevant documents that support my claim, including copies of my credit report highlighting the disputed inquiries and any evidence that I have regarding the unauthorized nature of these inquiries. 

I take my creditworthiness seriously and believe that the accuracy of my credit report is vital for my financial well-being. I appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Please feel free to contact me at ( XXXX ) XXXX or XXXX ] if you require any additional information or clarification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your cooperation in resolving this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: ALLY FINANCIAL INC.
State: CT
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:
Problems with XXXX Credit Card account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX XXXX XXXX Account ending in : XXXX XXXX ( ... XXXX ) I have attached documents with this and statements and transactions I have been trying since XX/XX/XXXX to get return of an overpayment ( {$2000.00} ) made by my misstate of sending a {$2000.00} amount to XXXX instead of the correct credit card company. I do not get true answers to resolve this issue. 
I closed the account thinking that would help to speed resolution, it did not. 

I have called at least 5 times over the last 2 months, since XX/XX/XXXX Their only responses, 1. next billing cycle 2. XXXX were verifying the balance before refunding my money ( I received XXXX letters from them stating that. The balance is obvious. ) 3. sent check on XX/XX/XXXX ( XXXX Statement was no change. 
All responses were lies. 

XX/XX/XXXX XXXX Called Said the check was sent on XX/XX/XXXX Seems like a long time to receive another delay tactic XX/XX/XXXX XXXX Called again Same answer asked to speak to a XXXX XXXX, said the same thing The balance did not change on the XX/XX/XXXX statement so the check was not issued on XX/XX/XXXX as stated, again another lie. 

XX/XX/XXXX Uploaded this document to XXXX, have not heard anything from them ( XX/XX/XXXX ). 
The responses I have received when calling the phone number are lies, I want my money back If I was this late in making a payment, I would be charged huge late fees and incredible interest, plus negative credit reporting. 


XX/XX/XXXX XXXX Now the XXXX statement show they refunded the money on XX/XX/XXXX which is the date it was posted. 
I believe this is another stall or fraud tactic. The transaction record shows the reversed XXXX on XX/XX/XXXX. 
I HAVE RECEIVED NOTHING, except lies. 

Below are copies of the monthly 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-01-08
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
This complaint details American Express Membership Rewards freezing my account after attempting to transfer points to XXXX 's XXXX XXXX in accordance with Terms & Conditions of the program, and Membership Rewards accusing me without any evidence of selling points. 

On XX/XX/XXXX, I linked my XXXX XXXX account to my Membership Rewards account. Immediately thereafter, I attempted to transfer XXXX points to XXXX online. After initiating the transfer, the Membership Rewards website gave me an error message stating that they couldn't complete the transfer because " of an attempt to sell '' Membership Rewards points ( error message attached ). I called Membership Rewards and the agent replicated the error message, told me that my account was frozen and that there was nothing that could be done until the account was reviewed. As of the current time and date ( XX/XX/XXXX ) my account is still frozen. However, I need to transfer the points expeditiously to complete an award booking. 

The accusation that I am selling Membership Rewards points is preposterous. I have been an American Express/Membership Rewards member since XX/XX/XXXX and have always complied with Program Terms and Conditions, and done absolutely nothing to even remotely suggest I am selling points. In particular with regard to this transaction, there is nothing that I could do differently to suggest I am simply attempting to use the program per its Terms and Conditions to make a personal award flight booking ( linking account and transferring miles earned over the last two years ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: VA
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have reached out via phone and the online website for Lexis Nexis to receive my CLUE report multiple times. Every time they send me a letter saying they cant verify my identity. Despite me inputting my own accurate identifying information every time. I have emailed them a copy of my license and still they refuse to send my report. I can never reach a human being on the number they sent or numbers I found via XXXX searches. It was brought to my attention that the adverse incorrect information is there by me trying to obtain affordable auto insurance. Ive been denied by companies and had higher rates with my current provider due to this error. Id like to receive my report to be able to dispute the inaccuracy and file a civil suit. Even letters mailed do not get my report sent to me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Paramount Recovery Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contact the company and have told them that the debt is not mine i have also told them that i believe that the debt is identity theft and i need them to remove the debt from my credit report ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
USBank refused to allow my SBR fund check into their Financial institution on XX/XX/2020

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Birth - XX/XX/1994 { Date } XXXX To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATIONThe accounts/ INFORMATION below are reporting incorrectly REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect. 
XXXX : Incorrect Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please update the following information which I saw your credit bureau to be misXXXX XXXX XXXX Personal current address { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX } XXXX. My proper full name { XXXXXXXX XXXX XXXX XXXX }, if the bureau has listed it incorrectly } 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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, { XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: VA
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 informationisinaccurate.

I am attaching the letters and supporting documents in this complaint.

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 2022-12-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I am writing this timeline to express concerns about an error that has occurred. I contacted my previous mortgage company XXXX XXXX XXXX XXXX XXXX or XXXX  ) and they claimed that everything was transferred over to Specialized Loan Servicing or SLS. 

I was informed that we were going to get a new mortgage company on XX/XX/2022 ( I attached the letter labeled Transfer mortgage ). I contacted both companies. My previous company sent over documents to prove we made the payments. They sent us something called Payment History ( attached below ) that states our previous payment and the next payment which will be on XX/XX/2022. 

So, the problem began when we transferred to a new mortgage company. We were shocked to find out that we were supposed to be with Specialized Loan Servicing since XX/XX/2022 but we werent informed of this until XXXX when we received the letter from our previous lender. We contacted their customer service through phone and they told us that we needed to make a payment, then we contacted them through email and they stated that we need to send a formal letter to Notice of error and request for information, which we did on XX/XX/2022. We received a correspondence that ultimately said the payment application described in your dispute was not in error dated XX/XX/2022. I have tried to resolve this issue with the mortgage company to no avail. 

Two concerns that need to be addressed by the mortgage company : -Why didnt our payment transfer over correctly? If so, then the first late fee shouldnt have ever occurred.

-Also, why did we get a second late fee charge?

Last thing to mention that I, the consumer, have a 15 day grace period before any late fee incur as per our contract ( attached below as " Loan Details- Specialized Loan Servicing, LLC '' ). Also, we have 60 days from the transfer from one mortgage company before any late fees should incur.

I created a visualization and timeline to help better understand our situation. I also attached statements from XXXX to the current statement. 


Thank you, XXXX XXXX and XXXX XXXX XXXX ( SLS account number : 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 2022-05-21
Company: Atlanticus Services Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. 

The company sent me a " Notice of Right to Cure '' that only stated the alleged amount they claim that I owe. 

I then sent a second letter via certified mail to the company requesting that the company cease harassment, and the reporting of unverified, invalidated inaccuracies. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. Most recently, the company also reported to the credit bureaus that my account has been closed at my request, which is completely false. 

The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: American First Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
Received a letter in XXXX from American first Finance. The letter stated they were going to deduct the payment out of a debit card ending in XXXX. This was not my card and I did not know this company so I called and told them they sent the letter to the wrong person.The person asked me for personal information. I thought this was a scam so I did not give them the information. the Company did not have my phone number, email. They were also not able to find an account in my name so I left it as a mistake. I then kept getting letters that I owed them money. A report was placed on my XXXX XXXX Credit report. some one obtained a loan for XXXX dollars in my name. after months of contact with the fraud department and employing a fraud agent. they keep saying it was me. Supposedly someone ordered furniture from American freight in Michigan somewhere. The day this loan was taken I was at work. I can prove this. also apparently they picked up the furniture. So the do not know when it went. The company was asked to look into the dept card bank and name. pull security footage and to compare signature on the loan document to my drivers license. They said they would not do this because last time they investigated a claim it was the person to took out the loan. I filed a XXXX  report and they sent the contract for a XXXX XXXX. I gave them the account number on the letters. They are not even looking at the claim or the reports. it is clear who ever did this paid XXXX dollars. how did they pay. who XXXX the debit card. what phone number and email address do they have. you can trace my car and phone and it will prove I have never been at American fright. Also I would never take out a loan of this type. I just bought a 23 truck and paid cash to avoid interest. look at my credit report I do not take out loans. I am retired and paying off any loans I have. please help to clear my name. this has been going on too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
NOTE : I previously submitted CFPB complaint # XXXX on XX/XX/2021. The Company, apparently in error, has responded to that complaint on XX/XX/2021 with the *exact* same response letter that they used to close a different case ( # XXXX ) on XX/XX/2021, even though the issues I raised on XX/XX/XXXX are completely different, and that letter is therefore in no way responsive to them. In fact, the very name of the document used to close both cases is the same, XXXX, XXXX XXXX XXXX XXXX. 

I must assume this was in error by Chase and not an intentional attempt to avoid responding to the CFPB complaint, and am therefore re-submitting the original detailed complaint below. 

I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to an equitable, timely, accurate, and fair dispute process. The Company is also failing to acknowledge and directly reply to my many inquiries, correspondence, and requests for information on this matter. 

Additionally, no one in the relevant departments has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution, despite multiple requests and unreturned messages. Lastly, I have been refused in my requests to pursue arbitration on this matter, which I believe is my right. 

Also, subsequent to my prior complaint ( CFPB complaint # XXXX ), several actions have been taken that greatly reduce my confidence in Chases process, procedures, and oversight in this matter. To be clear, this complaint pertains to entirely new issues, as Chase, in its recent interactions with me, has made a number of new omissions, misrepresentations, and/or mistruths, apparently in an attempt to uphold its original improper judgment.

Company response to consumer: Closed with explanation