BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My husband and I have been pulling our free annual credit reports online since XXXX from all 3 agencies. Beginning in XXXX, we were no longer able to access Equifax for either of us, we would get messages we were denied online access. It is impossible to try to speak to a live person which I have tried to do each time after we have tried to pull our reports. We will not send our ss # and other ids through the US Mail as we have experienced full ss # s on 1099 's being lost before. The alternative is to use the phone option which is an absolute nightmare. It can not understand voice prompts, it does not recognize keypad prompts and just hangs up so you have to call back multiple times and attempt the same process to try to obtain your report. We have only one landline phone number associated with both of us which also complicates the process because once one of us gets through and requests our report, it retains the personal information from the first person and the second person has an even more difficult time requesting their report. It can take up to an hour to perform this task for the first person and longer for the second person that we are able to do in just a few minutes for XXXX  and XXXX online. We have tried using different hard wired and cordless land line phones and nothing seems to help. Other than Equifax 's security breaches, we have had nothing change on our end. We have lived in the same house for over 30 years. I do not know why this is such a hassle with Equifax when there are no issues at all with XXXX  and XXXX. What can we do other than stop trying to pull Equifax reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have know knowledge of these inquiries.

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 2018-04-24
Company: Caliber Home Loans, 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: Investigation took more than 30 days

Complaint:
I have made 17 consecutive on time payments of {$4500.00} to Caliber Home Mortgage ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Information belongs to someone else

Complaint:
This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XX/XX/2023 XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$150.00} Chase magnet Card ending in XXXX This interest fee charge is from a {$2000.00} statement balance. 
The card company ( Chase ) was called three times today. Each time I got disconnected. They told me they have phone problems, and have been unable to explain why this charge is as high as it is. 
They told me they do not have a virtual chat i can take this further. Chase private client says i have to call back their card team. This is not working, and this interest payment seems to be about 8 months worth of interest for the given statement balance. 
Please take a look at this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase Mortgage Financial is claiming I didn't pay the mortgage on specific months though I have confirmation I did then refused my mortgage payments for 3 straight months forcing me to get assistance from the HUD HOPE program where I made 4 consecutive payments during which Chase decided to hire a debt collector and had a summons served for a ridiculous amount of money that I simply do not owe. Due to Chase 's negligence in properly managing this mortgage, it has turned into a complete nightmare. It should be noted, Chase and the debt collector ( who is a law firm ), refused to honor a cease and desist order via the HOPE program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Dear CFPB, I am writing to request the immediate removal of credit accounts associated with XXXX  account # XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX  to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly 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 non-monetary relief
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive recently been working on building my credit and I noticed some hard inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-24
Company: Accudata Credit Systems LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance, under subsection 809, section 1692g of the FDCPA guidelines : collectors are required to send a " dunning letter '' ... or notice of debt to a consumer & make certain that they receive it, & /or initial phone calls for first contact to obtain a valid mailing address. I should have been provided with at least the basic information such as the original creditor, the original debt amounts and notice that I had 30 days to ask for validation of the debt BEFORE this collection was ever reported to my credit. I have never received this from your company. I was also never given the chance to exercise my right under FDCPA to have this debt validated or disputed. Instead my credit has been hit by XXXX XXXX stating that they were assigned to me by a creditor to collect two sums. One being for a total of {$180.00}, the other {$50.00}. After checking my credit reports, i seen these discrepancies & tried to correct them I sent via cert mail on XX/XX/2018 after speaking to you to aqcuire my full account numbers for reference & to state I Never received Any notices of said debt ( s ) from their company by mail & no phone calls ... 
This is illegal since I didn't get this option due to lack of effort on your behalf to hold up your legal obligation of notifying me of said debts you believed to be mine that you bought from the original creditor! Under FDCPA rules there are guidelines that all collectors have to follow to collect a debt and XXXX XXXX has failed to do so in collecting proper forms of contact for me & reporting this as a debt that's supposedly owed by me, to the credit bureaus.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IDENTITY THEFT STATEMENT Identity Theft Report # XXXX Dear : Experian, XXXX XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

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 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, 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 2022-03-10
Company: R.A.Rogers, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an auto loan with the original creditor XXXX XXXX XXXX, that was sent to the collection agency, R. A. Rogers , Inc. I have been making payments to the collection agency for quite some time now, and recently requested a payoff amount to try and finalize the collection. They sent me the payment letter in XXXX stating " We are approved by our client to offer {$4100.00} which is due in our office by XX/XX/2022. Upon receiving a cleared payment of this settlement offer, we will notify our client that your account has been satisfied in full, and that you no longer owe on this debt. '' On XX/XX/2022 I made the payment in total of {$4200.00}. However, I then got a call from R. A. Rogers , Inc. stating that they can not accept the payment, as it is now {$2500.00} more to pay off. I wasn't sure if they could do this or really what to do so it has been going back and forth between the company and myself, I have asked around about this as well as speaking with a free consultation attorney that directed me to file this complaint to get assistance in addressing this. I was told that with the offer letter and my payment being made BEFORE their deadline, that they can not change the settlement amount and must accept the payment on their letter. To try and deal with this without having to go this far, I then contacted the Original Creditor, XXXX XXXX, to explain what their collection company is saying to see if they can contact their collection agency and advise them to take the payment. However, XXXX XXXX told me that they can't help, as the collection agency is completely separate from them. There's nothing they can do. So as I submit this complaint on XX/XX/2022, we have still not yet passed the payment due date for this offer. They claim they are sending me my payment back because they can't accept it due to the payoff needing {$2500.00} more than their payoff letter stated, yet I have also not received anything despite it being about 2 weeks since that claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX with XXXX XXXX XXXX XXXX  pulled my XXXX   credit report without my consent. I contacted the XXXX XXXX and they said that they have made the appropriate updates and have notified the XXXX  of the changes that need to be made to my credit report. They said that the hard inquiry would go away.However, the hard inquiry has never removed from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing XXXX Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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: Public record information inaccurate

Complaint:
I have attempted to fix the issue with Trans Union a number of times and have not been able to get the help needed. There is a bankruptcy reporting on the credit profile that is not accurate I have disputed where they advised they verified the information as accurate. When I called on XX/XX/20 to ask who is the third party they verify the information with so I can work with them as well to correct the information I was advised they are not able to advise who that third party is. ( please review the call ) That goes against my FCRA rights of providing me the method of verification. I have worked with XXXX XXXX and confirmed they are not reporting a bankruptcy as that is the method of verification that XXXX and XXXX use I have attached my recent XXXX XXXX report for your verification of no bankruptcy reporting. XXXX XXXX also advised they sent information for the dispute of the bankruptcy to Trans Union and had no response. I mailed a letter on XX/XX/20 to Trans Union asking for their method of verification of a bankruptcy as well and was not provided the information within the 15 day response time frame they are suppose to respond. The bankruptcy needs to be removed due to inaccurate information.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-14
Company: Experian Information Solutions Inc.
State: AZ
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 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

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 2023-09-25
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This communication is in reference to my LexisNexis Accurint Report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This communication shall serve as notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to permanently remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The item in dispute is the Bankruptcy that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # 1 ). This is my fourth notice to LexisNexis Accurint regarding the Bankruptcy that they are inaccurately reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER filed for Bankruptcy and I have NEVER lived at the address associated with this filing. Additionally, LexisNexis has already reinvestigated this inaccuracy and determined it to be UNVERIFIED ( See Page 3 of attached Supporting Document # 2 ). This shall serve as my formal written notice that I do NOT authorize to LexisNexis to obtain a consumer credit report or consumer report of any kind from any credit and/or consumer reporting agency. Any access to any information utilizing my personal information or identifiers will be considered Identity Theft and will be prosecuted as appropriate. I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!

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