BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: MN
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: AL
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:
To Who it may Concern : I have contacted XXXX XXXX, Experian, and XXXX more than once pertaining to them reporting inaccurate information on my credit report that is negatively effecting my credit score. I even sent proof that the information that they were reporting was incorrect and they did not remove the inaccurate file from my credit report as I requested that they do. the account in question is : XXXX Acct # XXXX in which at the timeXXXX XXXX shows a last date active of XX/XX/XXXX, Experian showed a date of XX/XX/XXXX, and XXXX showed a date of XX/XX/XXXX. XXXX XXXX has since re-aged my date of last activity to XX/XX/XXXX. 
I have disputed this issue more than once with each of them. They only respond that their investigation results will stand. I've even sent in proof that the information was incorrect. 
I ask if each of these entities get their information form the same source, How can each of the have conflicting 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 2019-10-10
Company: Experian Information Solutions 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 information incorrect

Complaint:
My Experian credit report incorrectly lists an open auto loan with a balance from XXXX XXXX XXXX. I sent a dispute with Experian who contacted XXXX XXXX XXXX who informed them the information was correct and no changes were completed. I contacted XXXX XXXX and they told me that that account was closed with XXXX balance. I contacted Experian and they told me that XXXX XXXX reported the account was still open and there is a balance. Both companies are blaming the other for the mistake yet no one will remove this information from my 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The first thing I need to express and include for the record is that I am a licensed XXXX  in the State of GA, license number XXXX, and also a licensed XXXX XXXX XXXX, license number XXXX in the same state. 
This beginning of this nightmare with the three companies regarding my concerns, XXXX XXXX  ( processor and alleged lender of my VA home loan on XX/XX/XXXX ), XXXX XXXX Bank ( alleged holder of my loan " after closing '' however this was NOT DISCLOSED TO ME AT CLOSING, NOR IN THE CLOSING DOCUMENTS AT THAT TIME. Had I known this, since I am quite aware of XXXX XXXX Bank practices regarding certain minority communities, I would have NOT CLOSED my VA loan. 
The third company is Carrington Mortgage LLC. This is the alleged company that either was assigned as service company for my VA loan or purchaser of the loan from XXXX XXXX Bank. I am still not sure as to which of the about is correct. Carrington Mortgage and well as XXXX XXXX Bank refused to answer the question. 
During the covid 19 epidemic XXXX XXXX Bank attempted to foreclose on my home beginning in XXXX to XXXX XXXX. This illegal action was stopped by both a complaint to Congressman XXXX XXXX office, GA 4th District, and my complaint to Legal Shield attorneys. 
After the covid 19 forbearance ended XX/XX/XXXX, Carrington Mortgage LLC failed to process their required documents sent to them via fax, email and even fax from a local XXXX XXXX store in XXXX XXXX GA near my home. A complaint to a VA loan representative, XXXX XXXX, was needed to halt the most recent foreclosure attempt by Carrington Mortgage / XXXX XXXX Bank. 
Also, both of the above companies are continuing adding FEES to this account and sending MY CHECKS BACK TO ME WHEN I ATTEMPT TO PAY THE ACCOUNT. 
This process is what both, I learned today from online search of Carrington Mortgage LLC, are doing to INFLATE loan amounts on homeowners and cause alleged PAYMENT SHORTAGE leading to foreclosures in GA and elsewhere. The information located today about Carrington Mortgage LLC was shocking and new to me in that Carrington Mortgage LLC was FINED BY CFPB in XX/XX/XXXX for the same violations as was XXXX XXXX on their recent fine of millions of dollars to bank regulators. 
As XXXX veteran, retired local XXXX XXXX and concerned citizen about senior fraud and abuse in the mortgage and insurance industries, I determined that this complaint had to be submitted. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting a Bankruptcy with all of unverified data with providing a fraudulent method of verification. I requested how they verified it 7 months ago. They claimed to have reached out to a depository that I've opted out of by law. They have lied several times and misreported unsubstantiated data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  Transunion Im Writing to you today in shock due to the fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

Todays date Accounts is being reported with 2 different prices under date last active. If this is the same account being reported by the same creditor why is the information different? 



XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX TRANSUNION Account Name : XXXX XXXX  Account Number : XXXX Balance: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 2023-10-07
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, Dispute this Address XXXXXX/XX/XXXX XX/XX/XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX XXXX, PA XXXX XXXX of inquiry XX/XX/XXXX XXXX DEPARTMENT OF EDU Dispute this XXXX XXXX OLD XXXX XXXX XXXX XXXX, NY XXXX XXXX of XXXX XX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX of inquiry XX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XX/XX/XXXX, GA XXXX Date of inquiry XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXXXX/XX/PAYPAL Dispute this Address XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/ Dispute this Address XX/XX/ERVILLE-TIMONIUMXXXX MD XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank charges a CARD SECURITY fee and does not show this fee in recent activity in online banking, so people never know how much they charged, and even I don't know they have a card security charge for every month. Until today I check the statement and find it shows up in the statement, this is very tricky. And I put the pdf files as an attachment showing the difference between my online banking 30 days activity and the statement, people will never know they charge the money until they see the statement. I have been charged for over 4 years, and I spend over XXXX dollars every year on this card, each {$100.00} they charge 1.66 %, and that is crazy money and tricky people by not showing that on recent activity. They are not honest and try to hide the fee, so people will not easy to notice. I don't know if I can get my money back, it should over $ XXXX they have changed under the table.

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 monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Ive been disputing inaccurate/ wrong/ error information that is being reported on my TransUnion Credit Report. 

On XX/XX/2023, XXXX Responded to my complaint/ dispute that I submitted through CFPB portal for the same reasons. Upon completion of XXXX investigation into the matter, XXXX responded that they found that the accounts were inaccurate and or did not belong to me and had deleted several accounts and updated my personal information. 
I am asking TransUnion to do the same so that all three bureaus are reporting the same accurate and true information. 

I want TransUnion to take note of what XXXX has done upon completion of their investigation and I hope TranUnion can follow with updating my credit profile so it is reflecting true and accurate information. Currently it is WRONG. The information they are furnishing on my report is WRONG and is hurting my negatively. I have the right to have accurate and true information. I have the right to dispute inaccurate and wrong information. Again XXXX did a complete investigation and responded that they deleted the accounts I disputed and updated my personal info. Im asking TransUnion to do the same!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18
Company: Netspend Corporation
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a text message stating that my stimulus check was loaded on my Netspend card on XX/XX/XXXX. XX/XX/XXXX I tried to pay a bill but it didn't process my request. I have tired calling Netspend over 250 times. A recording came on and asked did try making a request for XXXX dollar to XXXX XXXX if I didn't press 2. How do I resolve the problem if they refuse to answer the phone. I need to get this resolved so I can pay my bill. My name is XXXX XXXX XXXX email address is XXXX. Any help would be 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 2021-03-18
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paid off a debt from the Thomas agency on XX/XX/2021 that was 6 years old and they refused to do a settlement they denied the dispute. So dished out the full amount and now they wont send me a letter of proof that this will be removed from all 3 credit bureaus, also refuse to send it to have taken off ASAP which its an urgent matter to have to this removed as soon as possible. Talked to two supervisors and two different repenstives and they were no help at all. This is an urgent matter were trying to buy a house and we only have so many days to get this taken off OR proof it will be taken off. The second guy I talked to was rude and made me sound like a liar. Not impressed.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-18
Company: C/C Financial
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. With my complaint last XX/XX/2023 and my complaint now. I am hoping that ALL fraudulent items on my credit report will be REMOVED. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-07-02
Company: JPMORGAN CHASE & CO.
State: TX
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:
I am writing to request an increase on my Chase XXXX credit card. I love my business credit card and the credit limit that I was started with. It has helped me scale my business. In the last year and a half since I've had this card, I unfortunately have not received a credit limit increase. My current limit is insufficient to cover my potential monthly business expenses. My payment record with Chase is perfect and I do not anticipate any difficulties in dealing with an increase in my credit limit. I have a Chase preferred personal credit with a XXXX credit limit. I am asking for an increase on my Chase XXXX from {$8000.00} to {$17000.00} to match my Chase XXXX. I have banked with chase for over 15 years and have a bank account with sufficient funds, so I am more than capable of making my monthly payments. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX  which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am hoping to hear a favorable outcome from XXXX. Please contact me if you need any information to expedite this process. I am looking forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked experian to investigate some inaccuracies on my credit profile, however they told me it is all accurate. I have further decided to exercise my rights and have asked them to prove their investigation and comply with the following requests under the FCRA, 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) : I demand that Experian provides all necessary communications conducted in order to verify the accuracy of the accounts listed below. This should include the date of communication, the person you spoke to at the debtor 's office, all communication furnished by the debtor, the contract signed under my name, and the authorization to report this on my credit report. Please ensure that all this information was collected after I initially raised my concerns. 

I request that Experian demonstrates that all the timelines align with the date you informed me that the accounts are indeed accurate and that a thorough investigation was conducted. 

I insist that Experian sends all of the aforementioned information to my address on file within the next 15 days of receiving this certified mail. If Experian can not furnish the requested information, I demand that all accounts mentioned below be removed from my credit profile immediately. 

Here are the accounts in question : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX I also request that Experian sends me an updated copy of my credit report or the findings of your thorough investigation, reflecting the necessary corrections in accordance with the FCRA. Timely resolution of these issues is crucial to my financial well-being.

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