BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your Information First name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou have lived at this address XXXX XXXX XXXX Update Details about the identity theft Theft Incident : Other Identity Theft With what company or organization did the identity thief pretend to be you? Name of an organization representative that you spoke to : Organization 's phone number : Organization 's email address : When did you first notice the problem? If you know, estimate any fraudulent charges.0Account number : Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) : Street address ( including apartment info ) : Country : UNITED STATESCity : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information? 
Do you have any additional information about the suspect? 
Update Additional Information Have you reviewed a copy of your credit report? 
Yes Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have you contacted your local police department?

NoPolice department : State : Have you requested a fraud alert from one of the three national bureaus ( XXXX, XXXX, TransUnion )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. 
No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours? 
No Were there any fraudulent accounts included in your credit report? 
Yes Update Comments about your situation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a dispute letter to Portfolio Recovery and all 3 credit bureaus regarding a collection/charge-off. The account is posted on my report twice. XX/XX/XXXXand XX/XX/XXXX is together on one file whileXX/XX/XXXX is being reported on another file. All together the account has a total of 5 inaccuracies. It is well over 30 days and the account still has 5 inaccuracies and it hasn't been updated or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was reviewing my credit report and I noticed there are addresses and names that should be removed. I have attached documents verifying my name and my current address.

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 2022-10-13
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my home off at XXXX XXXX XXXX XXXX, XXXX, Texas on XX/XX/2022. Around XX/XX/2022, there was a three-way call with Gregory Funding , the title company and myself regarding the escrow owed which was verified at {$2700.00}, and the representative stated the escrow was released. I asked when it was mailed and he stated it had not been mailed but would mail it within 15 days. As of today I have not gotten my escrow payment back. I also called back about a week ago to give them the new forwarding address to send the payment to which is XXXX XXXX XXXX, XXXX, Texas XXXX and still have received the payment. They also told the title agent that it would take 45 days to release the papers for the home in which the title agent thought it was quite excessive compared to other mortgage companies. I would like my escrow back as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
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 Credit Bureaus stated the below accounts were properly investigated from letters sent certified mail on XX/XX/2022 but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for immediate removal of all accounts. They also violated my rights under 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXXXXXX XXXX  XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

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 the records of convictions of crimes which antedates the report by more than 7 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: MO
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:
I HAVE CONTACTED THE CREDITORS LISTED BELOW ABOUT THESE UNAUTHORIZED INQUIRES. I HAVE ALSO CONTACTED THE CREDIT REPORTING AGENCIES ABOUT THESE UNAUTHORIZED INQUIRES. BOTH TO NO AVAIL. THIS IS A VIOLATION OF MY RIGHT TO PRICVACY AND THE FCRA ... ... ... ... ... ... ... ... ... ... ...... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-19
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2022, I purchased a flight on American Express XXXX from Washington DC to XXXX XXXX ( AMEX XXXX Trip ID XXXX ; Confirmation : XXXX ). On XX/XX/2022, it became apparent that the flight I booked was significantly further away from the resort I was to stay at than expected. I called American Express XXXX on XX/XX/2022 to fix this problem by switching my flight to remove the second leg of the travel so it was only XXXX to XXXX ( direct ). When talking with the employee, I explained the situation and was informed that I could ONLY change the reservation and there would be a {$100.00} fee associated with this. I said that that is OK as I purchased the Gold Protector coverage for the flight for these types of situations. When the agent came back on the line he informed me that the cost would be ~ $ XXXX to change. I told him that that solution made no sense as I could cancel my ticket, pay the {$100.00} fee and use the remaining airline credit to re-book the flight for ~ {$50.00} overall. The agent proceeded to tell me that if I cancelled I would lose everything and would not receive a credit for future use. I proceeded to tell the agent that that was not correct and that I was looking online and could clearly see that I was eligible for a credit. Once again I was informed that I could only change the flight and not cancel it. After over XXXX minutes of holds and going back and forth, I finally talked to a supervisor that said I WOULD receive a credit for future flight however due to the extended time talking with the prior agent the flight that I was looking at on AMEX XXXX had increased by ~ $ XXXX ( when accounting for additional taxes and fees ). 

This is unacceptable. At this point I want my flight canceled and my Member Rewards re-deposited back into my American Express Account. This was the first and last time that will use Amex XXXX for my needs due to the sheer ineptitude I encountered from the first agent that wasted over an hour of my life. 

On XX/XX/2022, I filed the above XXXX  complaint to American Express ( Complaint : XXXX ) and as of today I have not heard from American Express on this matter and am escalating to the CFPB due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I've had a serious financial impact to my wholly-owned business due to Covid-19. Total receivables booked since XX/XX/XXXX has been a negative ( {$1700.00} ). I have only paid the minimum payment amount on my corporate Visa credit card account issued thru J.P. Morgan Chase, N.A. Shortly after the pandemic hit I called to see if a settlement agreement could be reached to close the account out entirely. The settlement department offered to close the account if i could pay 90 % of the principal balance.

I did not take the offer as I also had to negotiate a settlement offer on a corporate bank line of credit. that was resolved in late XXXX of this year. 
I called the settlement department on XX/XX/XXXX to resurrect that offer. I spoke with two individuals who said the only offer they can make at this time is 100 % payment of the principal balance. I find this totally unsatisfactory as a severely impacted small business seeking redress from one of the largest financial institutions in the world. 
I could declare corporate and personal bankruptcy in a heartbeat. I own a car, a business with little in the way of assets and a retirement account of roughly {$300000.00}. I'm XXXX years old. All I'm looking for is a fair settlement to resolve the entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NC
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 Act, the following list of accounts have violated my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX ; has violated my rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX Account # XXXX XXXX, has violated my rights to Privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account # XXXX, has violated my rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. ( a ) ( 5 ) Section states no consumer reporting agency may make any 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any other 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: Army and Air Force Exchange Service
State: WA
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 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. 

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.

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 2021-04-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX Ally bank complaint This a follow up to the above complaint. Their reply is a 100 % lie. Not only did they butcher my income but apparently that is how you do it I offered to pay every single debt ( every one ) which would put me at a XXXX  DI they gloss right over this fact. They are straight up lying and as I figured you guys are backing them 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear ..., Please help because I figured out in my credit report accounts that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile or changing whatever they want. Well, by this message I would like to let you know that I do not recognize these accounts and I have never given any permission to any company to do something like this- ITS IDENTITY THEFT for sure. So please remove all of them as I can not move on in my life when I have unknown information in my credit report. 

Thank you! 
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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have informed the three credit bureaus that I have inquiries that were not permitted by myself. I have filed a fraud report with the FTC ( Report # XXXX ). There are not willing to remove the inquiries from my report and in my opinion are stalling in resolving this issue.

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 2022-12-19
Company: EQUIFAX, INC.
State: SC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
After looking at my credit report I've noticed inaccurate reporting of personal information. 

Name, Address, date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Google Compare Credit Cards Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX XXXX XXXX was sucked in to a XXXX XXXX that had in XXXX  purchased. He is a typical XXXX XXXX XXXX that is very tech savvy and was able to use his biometrics to suth purchases. He has no real understanding of money and spend thousands. I have tried to resolve this with XXXX XXXX   and the developer to no avail. I need help recouping the thousands of dollars wasted on these virtual products. While I have joined a class action suit I am on XXXX due to XXXX XXXX and this situation is untenable. It is almost as if XXXX and XXXX XXXX are stretching this out waiting for my death.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
High interest rate from about XXXX ( purchased a vehicle in XXXX ) @ pretty low rate but it went up significantly right after that.

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 2023-04-30
Company: Experian Information Solutions Inc.
State: FL
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:
Hi I have a few recent inquires on my Experian XXXX report that I dont recognize. Multiple inquires `within days XX/XX/2023, XX/XX/2023, and XX/XX/2023 I reached out to Experian multiple times about an inquires from XX/XX/XXXX and the never replied

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 2019-11-17
Company: Security Credit Services, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my XXXX, Seccredit has furnished information, re-aging a debt on my credit report. The original creditor was XXXX. They then removed the debt after they resold the debt. The original debt was over $ XXXX but once sold, it was inserted onto my credit report for the amount of {$4500.00}. Upon reviewing my report, my report reflects that i made payments from XX/XX/XXXX which is untrue as the date of last payment is stated for XXXX which is also untrue and is not even in the 180 period from last date of delinquency. They also state that the account status is open. 
On my XX/XX/XXXXand XX/XX/XXXXthe creditor ( same third party agency ) is listed as SecurityCred and states the original creditor, 09 XX/XX/XXXX. They do not show the date of last payment. Theyre not reporting accurate information and are pulling illegal tactics to re-age this debt. This collection is furnished under 625 ( 5 ) A and is using illegal tactics to re-age/furnish this debt hurting me. 
I have disputed with all 3 bureaus. Ive disputed twice with XX/XX/XXXX. I have demanded debt validation from the collection which have been ignored. This will be my last attempt then i will resort to taking this to court.

Company response to consumer: Closed with explanation