BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
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: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-06-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My company XXXX XXXX XXXX XXXX XXXX XXXX ) is required to obtain a performance bond to satisfy the requirements of a government contract that we were awarded. The bonding agency uses XXXX XXXX XXXX to do a credit check and denied my bond based on a low credit rating being reported by the Experian credit reporting company. In order to find out what was on this report I had to purchase a credit report from Experian. The Experian report regarding my business gives a score of XXXX or " High Risk ''. The report details a " Bank XXXX '' charge off of {$22000.00} on XX/XX/XXXX XXXX. This is completely false information as I have never had a bank card charge off and have no idea what this is. They don't report the one bank card that I do have which has always been current and has a balance of {$3000.00} which is paid automatically each month. The Experian report also lists a financial services account with a balance of {$20000.00} and a 31-60 past due amount of {$840.00}. The only bank loan that we had was a business line of credit through the XXXX XXXX XXXX Bank which is paid in full and no longer exists. The report also lists XXXX tax liens. XXXX XXXX is reported properly as released but the other XXXX have not been properly updated. This erroneous information is preventing me from obtaining an insurance bond and will cause financial and reputation harm to my company. I filed a dispute with Experian however I have not heard a thing from them. This situation is very time sensitive and I may lose this contract if the bond is not obtained.

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 2023-07-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I closed out my account in XXXX of 2023, I lost my credit card. My balance in XXXX of 2023 was {$1100.00}. I paid the balance of {$1100.00} in full on XXXX XX/XX/2023. The company now wants to charge me interest in XXXX of 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 2023-11-15
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-07-19
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Charging escrow. XXXX. outstanding late charge. Never late on payment. Assessed expanses. XXXX. I made a double payment. Not extra escrow. But the recorded it like that. And the addmited they made a mistake. But never corrected all of it. They even reported me to credit. Please help me. They will not talk to me. I don't speak asain. They purchased this loan. I would never use them. Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report TransUnion which you have provided. 
XXXXXXXX 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 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 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
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 2019-08-21
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: Information belongs to someone else

Complaint:
I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX and Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine.  The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX,  XXXX XXXX XXXX,  XXXX XXXX, XXXX   XXXX XXXX,  XXXX/XXXX XXXX, XXXX XXXX XXXX,  XXXX/XXXX   XXXX,  XXXX XXXX   (Original Creditor: XXXX   XXXX XXXX XXXX XXXX XXXX)XXXX, XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX,  XXXX XXXX  (Original Creditor: 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 2023-07-20
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been unable to make a payment to me XXXX credit card with Comenity/Bread Bank because I am unable to access my account. When I attempt to login I receive a message that my account information is incorrect. I have attempted to reset the password numerous times and either never receive the code or receive errors when attempting to enter the new password. Its not you l, its us. We have experiencing systems issues. Please try again later. The information you entered does not match our records when changing the password. I have received countless calls from Comenity bank requesting a payment over the phone but no assistance with fixing my account issues. The account is now passed due and has affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: NJ
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 following reported accounts have violated my rights : -XXXX  XXXX XXXX XXXX  XXXX -XXXX  XXXX XXXX -XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that 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 2019-01-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXXXX/XX/XXXX CFPB Closed Accounts Dispute RE : TD Bank checking account : XXXX To Whom It May Concern : On Tuesday XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX I was on the phone with TD Bank Customer Service Department at ( XXXX ) XXXX. During my conversation with the Customer Service Representative ( CSR ), I was never told that my account was in danger of being closed. She told me the opposite, and we even spoke about future plans for the account. I even was asked to enroll in TD Banks account voice recognition program, and I did this with the CSR.

My account had gone negative in XX/XX/XXXX. While on the phone with the CSR, I transferred {$250.00}. form my minor daughters ( XXXX XXXX ) linked TD Bank account ( XXXX ) into my TD Bank account ( XXXX ). The CSR waived {$100.00}. in fees, thus, bringing the account to a positive balance of {$9.00}. I again was, NEVER informing my account was going to be closed, and the CSR, told me that the account was fine, and that the issues were resolved ( listen to your tapes ).

Much to my surprise, TD Bank closed my account the next day, XXXX XXXX XXXX, for being a delinquent account. I have been told a lot of different stories from various TD Banks CSR, but they all had the same response that there was nothing they could do, and the account will remain closed.

Basically, what TD Bank did ( as I have been told ) is that the CSR had no authority to restore the account, even though she told me the account was fine and would NOT be closed. Since the account was coded for collection when the computer run / updates were done at night on XX/XX/XXXX, the account was closed, even though I paid it in full at XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX balance - {$340.00} TD bank credit from CSR ( XX/XX/XXXX ) {$100.00} Transfer from XXXX into XXXX {$250.00} Actual balance ( XX/XX/XXXX) + {$9.00} ( Therefore account should NEVER have been closed ) My complaint is that TD Bank illegally / should not have closed my account since it was paid to a positive balance on XX/XX/XXXX, prior to the cancelation date of XX/XX/XXXX. It also took several months and phone calls for TD Bank to finally return the {$9.00} credit that was in my account. Unless I contacted TD Bank, they were going to keep the {$9.00}. It was finally returned in XX/XX/XXXX, after I sent a complaint to TD Bank.

The other part of my complaint is that TD Bank, knowingly processed checks and payment, to only then rescinded them and charge me additional overdraft fees. Abuse of fees.

Please review and contact me with any questions.

Sincerely, XXXX XXXX  ( XXXX ) XXXX CC : New Jersey Department of Banking

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : 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  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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 Accounts # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 604 says I have the right to privacy and 15 USC 1681 604a says they can not furnish anything without my written consent and I did not give written consent to to report anything

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 2023-11-05
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2017 I opened an account from XXXX XXXX XXXX I would like to have that information removed from my report. 

there is simply not law requiring the information to stay on my report for 10 years

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In XXXX of XXXX  I applied to refinance with XXXX XXXX XXXX XXXX they pulled all three of my credit reports through factual data. 
I did not open an account and would like factual data inquiry removed from all three credit bureaus. 
The inquiry is approx 1 year and 6 months old.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are fraudulent inquiries : 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 2023-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I visited a Chase Bank branch in order to withdraw my rent of {$1600.00}. After multiple attempts to complete the withdrawal, the ATM continued to deny my transaction. 

Shortly after, I received an email asking me to confirm the transaction and whether or not I was trying to take out the {$1600.00}. I confirmed through the email that it was me attempting to complete this transaction and was approved to continue. 

After confirming my identity through email and being told that I could attempt the transaction again, I proceeded to try and withdraw the funds once again. However, after this attempt to retrieve my rent money, the ATM functioned as if it was dispersing the {$1600.00} in cash, yet no money came out of the machine, and my account was deducted {$1600.00}. 

I conversed with the branch employees and was instructed to call Chase customer service. After contacting Chase Customer Service, I was originally told that my funds would be returned to me by XX/XX/XXXX. Yet when XX/XX/XXXX came around, Chase Customer Service told me that my claim was denied because their findings had shown that the ATM functioned properly. 

After escalating the issue, they then recanted their statement and informed me that they apparently were investigating the wrong ATM. I have still not received my funds and it is approaching XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 contacted capital one numerous times. I disputed these fraudulent inquiries 4 times with XXXX, XXXX and XXXX. I contacted the cfpd and asked your company to investigate this. 

I really need help removing fraudulent information that is being reported incorrectly on my credit report. 

Capital one told the CFPB that thy investigated this and only found that 2 of the inquiries were fraudulent and the rest were validated. What human being in their right mind would apply for credit from the same time this many times? None, no one. 

All these inquiries should be removed immediately. They know these inquiries are not mine. They know someone is contacting their company pretending to be me. So why won't they remove all of this information from their files and my credit report. 

I asked them for signed contracts, documented proof and validation. They failed to provide me any of it. 

How did they verify the rest of the inquiries and what is different between the two that were fraudulent and the rest that were not. 

Theses are illegal, they are violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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: Information belongs to someone else

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.

has violated my rights. Or a list of inquiries : 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation