BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 


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 and 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 explanation
Consumer complaint received 2022-08-18
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: Information belongs to someone else

Complaint:
FCRA violations : not my name XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX account. {$22.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$1500.00} Status Account charged off. $

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.

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 2022-08-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am an XXXX XXXX service member and have a XXXX and XXXX card with American Express. I previously sent a complaint on here that they were not honoring the Military Lending Act portion of the Service Members Civil Relief Act. After contacting the Consumer Financial Protection Bureau they correct the error with the XXXX card and return the fees and interest associated with it. I contacted them to do the same with the XXXX XXXX and they are giving me the same run around they did with the XXXX. I've messaged on their chat feature and spoken on the phone with the representatives and nothing has changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On may I bought a XXXX XXXX XXXX ( Kia Fianance ) and on XXXX I refinanced it thru ( XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent two checks one for {$16000.00} ( XXXX ) and {$65.00} ( USPS ) money order in the same certified envelope to paid off my auto loan with them. After several calls with KF  to verified it they received the payment, they told me that I need to put a stop payment on the checks and send a new ones. I went to the United States Postal Service and they told me that Kia received the envelope with two checks on on XX/XX/XXXX. I submit an inquiry with them USPS and the results was that Kia cashed the money order on XX/XX/XXXX. When I went to XXXX they putted a stop payment on the first check and gave me a new one with the same amount {$16000.00}, so I sent another sets of checks the XXXX and a personal check of {$100.00}. I called a lot of times and they always said that they didn't received the first envelope with the XXXX and money order check, but I have all the evidence from their website and USPS that they received it. Also, they gave me a fax number to submit my evidences but that number doesn't worked. I had to paid extra money sending everything certified to them to the address that they gave me and every time that I called them and ask if they received it they said not. When I went to the USPS they told me that they are giving me the incorrect address because the zip code Kia gave me is rural and the address is PO BOX XXXX but USPS delivered to the correct address. 
I need to resolve this situation and my money back as soon as possible.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2023 I sent a dispute letter to Congress collection disputing a debt that they had reported to Experian in the letter I asked Congress collection to validate that this alleged that belongs to me and also ask for copies of all the documents that they used to validate this debt it was been more than 45 days but I have still not received all the information that I requested from Congress collection the fact that Congress collection has not responded to my dispute request isn't admission by silence this lack of response to my dispute letter and validation request is a gross violence of 15 U.S.Code 1692g which stipulates that debt collectors like Congress collection should provide consumers with all the documentation that they ask for it is also important to note that the reporting of this debt is a blatant violation of FDCPA 1692g as it was reported by Congress collection to experience even though I did not receive any written notice of it from Congress collection the reporting of this inaccurate and unverifiable debt in my credit reports is also a disregard of FCRA section 623 ( a ) ( 1 ) ( A ) which requires that only accurate information is sent to the credit rules by companies like Congress collection I have a attach the dispute letter that I sent to Congress collection and that contains the unverifiable debt that needs to be deleted by 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 2023-03-27
Company: Grain Technology, 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:
Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Due to these violations I have a right to sue per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I was assaulted at a venue. I woke up in the E.R. and I found nothing missing from my wallet. Before XX/XX/XXXX I was under a lot of distress because of personal problems. I was not living at my mailing address or at home. However ten months later on XX/XX/XXXX once I was in a better state of mind. I went to J.P. Morgan Chase to make a deposit to my business account and this was the day that I discovered that I had been a victim of Identity Theft. I believe that someone at the venue which I had attended made a duplicate Debit Card and got my pin number from the A.T.M located with in the venue which I had attempted to acquire sufficient funds to enjoy my night. However the A.T.M at this venue did not disburse any money over the several attempts that I tried to acquire money from it. After not being able to acquire money from this A.T.M I paid for my drinks with my business Debit Card and that was the last thing that I remember before I woke up in the E.R. Once I was released from the E.R. I was allowed back into my residence and was allowed to recover their. Furthermore once I discovered that I was victim of Identity Theft and did some investigation I discovered that my Debit Card had been used on XX/XX/XXXX at another location while I was back at home recovering from my XXXX XXXX with XXXX XXXX. I would like Chase to reimburse my account for the full amount that was stolen from my account while I was not in the right state of mind. I was under the impression that as a Chase customer my funds would be protect by the F.D.I.C up to XXXX. So I do not understand why my money is not being protected and as to why Chase bank never altered me of when they saw multiple charges made to a single restaurant in one day. This boggles my mind. How could this not be a red flag? Why did Chase not contact me immediately to see if I had made these charges when they had done so in the past?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Equifax and XXXX credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the consumer protection bureau so that Equifax and XXXX and correct my credit report and start reporting accurate student loan information from mygreatlakes.org. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF 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 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

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 2023-07-07
Company: Experian Information Solutions Inc.
State: MS
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 am writing to request negative accounts be reported correctly as In good standing accounts on my EXPERIAN report accounts XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX , XX/XX/XXXX XXXX  XXXX XXXX accounts show discharged through bankruptcy XXXX  XXXX and potentially negative on my Experian credit report I have disputed these items with Experian. Experian responded accounts verified bankruptcy with third-party XXXX. I have received the Results of the Reseller Dispute from the XXXX file in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq ). As of XX/XX/XXXX, the dispute information has been removed from my file at XXXX. XX/XX/XXXX XXXX dispute filed with Experian but has not received a response. I have attached a dispute letter from XXXX with my driver 's license and social security card for verification. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the whole social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions, and criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the whole social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similarly situated class decide to pursue such action. Therefore, I request that reporting discharged through bankruptcy XXXX  XXXX be removed from accounts immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the negative accounts reporting from my credit reports.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I sent out a letter to Trans Union, XXXX  and XXXX, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
When signing up for electronic statements on my XXXX XXXX card with XXXX I inadvertently made an error on my email address ( inputting XXXX XXXX XXXX instead of XXXX XXXX XXXX' ). A charge of {$5.00} was then made to XXXX XXXX on the card which I forgotten was used as a default payment. As I did not receive email or written notification of the charge and subsequent delinquencies I was unaware of the balance. It was not brought to my attention until a credit reporting agency sent a notification of a decrease in my once excellent credit score, showing that XXXX reported a 30 day and 60 day delinquency. I immediately paid the {$5.00} and although XXXX waived the late fee and interest they refuse to remove the late payments from my credit report. I understand that XXXX is required to report late payments however, I am truly not a credit risk and under these circumstances ( the nominal {$5.00} amount and the typographical error ) I am hoping that they will make one time courtesy adjustment. I also hope that XXXX would do as some other banking institutions do and verify emails when they are input into their system and also send out written notifications of delinquencies, so as to avoid issues like this in the future.

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 2023-07-30
Company: M&T BANK CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was away on XXXX XXXX and a car loan was fraudulently obtained with my information without my knowledge or consent. Ive sent numerous letters with identification proof that I was away in the military in the XXXX XXXX. Ive also provided police report of the identity theft. M & T bank is still reporting this fraudulent account to the credit bureaus, and it is negatively affecting my credit. The dealership that gave this loan out was closed due to fraud. This car loan was obtained with a fraudulent paystub. The dealership did not require any secondary form of identification to obtain this car loan.

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