BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with Experian, XXXX and XXXX 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : 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 2023-11-09
Company: Experian Information Solutions Inc.
State: AZ
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 this creditor has violated my rights under 15 USC 1681 section 6p2 states I have the right to privacy ( 15USV1681 ( section 6 0 4 a section 2 ( It states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: UT
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:
Identify theft

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 2023-11-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Allow me to start with the fact that the financial institutions involved refuse to communicate in a legal way through email. They record all yet that is one sided. I tire of having to screen shot all, and stopped all phone conversations as they did not do as they said. From a legal standpoint, I will not communicate with them in any way other than email. 
This complaint relates to my XXXX XXXX credit card of thirty years, and is directed at : XXXX XXXX XXXX , the original account provider. 
XXXX XXXX , the purchaser of said account. 
-Midland Credit , who currently dispute my payment. 
In XXXX of 2022 I made two separate payments of {$5000.00} to my credit card from two separate banks. Those banks were ; XXXX XXXX and XXXX XXXX. The payment from the former was credited to my account but the XXXX XXXX payment vanished, never showing on my payments. I submitted not only bank statements from the two banks from which the electronic payments were made, I also included a letter from XXXX XXXX that specifically delineates all details of the missing payment. 
For over a year I have been contesting this and hitting a brick wall. Someone stole my {$5000.00} and now my credit rating and good name and neither the finanbcial institutions nor the CFPB have been of any use. 
This debt was paid on time in 2022 and I will NEVER pay it twice! After 30 years of no problems with the same credit card, I never imagined that something like this could happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
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 belongs to someone else

Complaint:
Discovered identity theft last year. got letters in the mail went to the local police department ( XXXX XXXX ) in XXXX.. i still have one of the reports on my credit that is not mine i contacted the the original creditor said they verified it with a public record anyone can obtain that 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 2022-06-19
Company: EQUIFAX, INC.
State: MA
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:
XX/XX/2022 - I contacted XXXX XXXX XXXX to initiate a Dispute of a negative report of a XXXX day late on my credit. ( see letter from XXXX dated XXXX attached ) XX/XX/2022 - XXXX wrote XXXX XXXX XXXX to advise them of an error in credit reporting of the one and only ( ever ) late payment on my XXXX lease account in connection with my XXXX  XXXX XXXX XXXX ( Lease Account ending in XXXX ). 

XX/XX/2022 - XXXX initiated a XXXX XXXX XXXX XXXX XXXX, related to a late payment on the above-referenced lease account in XX/XX/2022, which was caused by a Bank error on the part of my linked Easy-Pay checking account with XXXX XXXX. 

XX/XX/XXXX, XXXX I received a response letter from XXXX XXXX XXXX XXXX XX/XX/2022 ( see attached ) wherein XXXX XXXX that they reported my account as XXXX days late ( under the FCRA ). 

XX/XX/2022 - XXXX verified that a payment submitted on XX/XX/2022 was returned unpaid by my bank as a result of the documented BANK ERROR ( see attached Letter from XXXX XXXX ). 

XX/XX/2022 - XXXX XXXX XXXX further advised that the payment due on XX/XX/2022 was SATISFIED on XX/XX/2022 ( which was 30 days after the payment due date and resulted in a a XXXX day delinquency reporting for XX/XX/2022. 
** NOTE : XXXX stated that my payment was XXXX DAY too late as had it been received on the XXXX day, then XXXX would NOT have been able to report this XXXX day delinquency as they had done. 

XXXX XXXX XXXX failed to complete their investigation within 30 days, as is required. Indeed, to apply the very same " zero-tolerance '' rigor applied to me in being ONE DAY too late in my XXXX payment satisfaction ( caused by documented bank error ), then so too should XXXX XXXX XXXX XXXX XXXX to the same strict time standard in their investigation- which they applied to my curative payment. 

** CONCLUSION ** XXXX XXXX XXXX ' response letter was dated 32 days following my Request for Investigation ( AND 36 DAYS FOLLING THE DATE I ACTUALLY RECIEVED THEIR RESPONSE on XX/XX/2022 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: NV
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, has violated my rights. 

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 explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX {$500.00} COLLECTIONS XXXX {$160.00} XXXX XXXX {$1500.00} XXXX XXXX {$580.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX Oh on End Of XX/XX/XXXX. I went to the dealership to pick up the title from the Sales Person that sold me the car in late XXXX. The title was given to me 2 days after I picked up the title the vehicle started to stall,. Finds out that the transmission needed to be fixed/replaced. Informed the dealership of the situation they indicated the salesman no longer works for the company no warranty. I ended up replacing the the transmission for XXXX not to mention the XXXX given to take ownership of the vehicle. The vehicle was in the shop for about 21/2 months getting transmission fixed/replaced also I had to come up with the monies to fix the car. Meanwhile Consumer Portfolio Services, which is the finance company for the vehicle located in California. They are aware of what is going on. They offered one deferred payment for one month. I got the vehicle out after I paid XXXX for a transmission in late XXXX. I was being charged XXXX a month plus late fees of XXXX? I believe could have been more. Well I did not have the monies to pay for a new transmission on a vehicle that I just purchased and pay the car note and get back and fourth to work. The car was repossessed in XX/XX/XXXX. I paid all of the fees to retrieve the vehicle back. I was told that I had to pay repossession fees which were some bogus fees that I could not find however I was told this was a fee that my state charged. Contacted Ohio Attorney General was not aware of what the fees are/were. I was going back and fourth with the company in reference. I was then told the fees would needed to be repaid until the end of my loan. Per my credit report it shows that my balance was a little shy of {$7400.00}. However when CPS was contacted about the pay out for the vehicle a week ago or so {$8000.00} was indicated for the amount/balance. The vehicle stalled out again In the middle of XX/XX/XXXX. Find out that the timing change went out/ Which is a new motor {$5500.00} to repair. 2 Major components on a vehicle within 2 1/2 - 3 years from the time that I purchased. The vehicle was listed at {$10000.00} Repayment of {$19000.00}. Clearly this is a type of predatory lending and should be investigated as I tried to complain about this company 1 year or 2 ago with Consumer Affairs as well as The Ohio Attorney General ' s office. This company had a lawsuit filed against them some years ago for the bad behavior and practices. The victims were awarded. Consumer Portfolio Services had to pack back millions for their corrupt practices, My case is a prime example of such. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Complaint of XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX : On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, our trust operations back office XXXX and XXXX XXXX XXXX  XXXX  ( XXXX  ) filed a Hold Harmless and Indemnification ( HHL ) for the return of an unauthorized {$40000.00} wire transfer processed on XX/XX/2020. 

It is our understanding the receiving account at JP Morgan Chase ( JPM ) is frozen ( because of irregularities identified by JPM personnel ). XXXX  also informed us that after the HHL was approved, the funds ( or a portion of the remaining funds on deposit ) would be returned.

No funds have been returned and despite numerous inquiries of XXXX and JPM, we have received no communication from either bank regarding the status of the frozen account. 

We believe that it is incumbent upon JPM to provide the investigative update on the frozen account and the approximate date of return of these funds. 

JP Morgan Chase Case # JPMXXXX  Reference # XXXX  REF XXXX JP Morgan Chase fax number for the claim area : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: SC
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:
Was told they were allowed to run my credit to sell my closed written off debt

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
account XXXX is closed and paid in full but shows as open

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to dispute information on my credit report that I believe is inaccurate. I have not received any 1099-C Cancellation of Debt letters regarding these following accounts : XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX Given the absence of these 1099-C Cancellation of Debt letters, I firmly believe that the reporting of these charge-offs is inaccurate. According to the FCRA, I have the right to dispute incomplete or inaccurate information. I request that these charge-off accounts be removed from my credit report as they do not reflect a complete and accurate credit history. 

I appreciate your attention to this matter and expect a prompt response. Please investigate these discrepancies and update my credit report accordingly.

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 2023-07-01
Company: Experian Information Solutions Inc.
State: UT
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:
XX/XX/2023 Experian sent me an email instead of notifying me by mail requesting proof of my IDENTIY and Address, now XX/XX/2023 I received an email from Experian stating We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to verify your identity. This is a violation of 15, USC1681 ( a ) Experian sent me an email requesting information then tells me their not going to remove inaccurate information. After I already sent my proof of ID and address through CFPB to Experian which they knowingly they have received it from the CFPB this a stall tactic. How is it Experian can ask for proof of ID and Then turn around in two days to say they can't honor my dispute when they clearly received my ID and address. Last time I've mailed proof of my address and ID I was informed they never received it when my Certified mail showed it was received. Once again their stalling to do their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: HSBC NORTH AMERICA 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 is missing that should be on the report

Complaint:
I'm currently working as an active military hours in the XXXX XXXX and this company is giving me a hard time by telling me false information i responded to their letters and i even contact back and left them a voice mail stating that i'm going to basic training for the XXXX XXXX. i wouldn't have any way to make any contact while i'm at XXXX texas on XX/XX/XXXX to XX/XX/XXXX that when i graduate from boot camp. i only gotten this responses from them .. '' A review of your accounts confirms on XX/XX/2018 you closed your credit card ending in XXXX as a lost card with a total fraud claim of {$1700.00}. This claim was reviewed on XX/XX/2018 and denied. A letter was sent the same day reflecting this information. '' which is also false because these transaction added up a different amount XX/XX/2018 XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 SALE REVERSAL More info Select to Expand XXXX XX/XX/2018 TEXAS XXXX  XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 SURF XXXX XXXX - XXXX XXXX  CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX  # XXXX XXXX  CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX 'XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX 'XXXX  XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX  # XXXX XXXX  CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX & XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX & XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX and this are the claim that i have responded back to you guys in your letter and you guys need to read my letter and stop acting like you guys didn't receive it. please stop sending me false information.. i will be in XXXX  for my XXXX XXXX so the best way to reach me is by my cell phone and if i don't respond it's because i'm in the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: NC
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:
The is not Filed by a Credit Repair company and this not filed by 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX  has violated my rights according to 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 Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : USDOEXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX  XXXX Account Name : XXXX  XXXX XXXX Account # 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 2022-06-19
Company: Experian Information Solutions Inc.
State: NV
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, has violated my rights. 

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