BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
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: Reporting company used your report improperly

Complaint:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: JPMORGAN CHASE & CO.
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed a hard inquiry report from jp morgan chase bank on XX/XX/XXXX of this year. I wanted more information why and what this was from because I know I made no requests for anything to be done. 

I first tried to call chase bank and was told they had no information whatsoever from this date and new application data was not available after 30 days of inquiry. ( Called today XX/XX/XXXX ). This to me is obsurd. They told me I had to call transunion to dispute it. 

XXXX gave me way better information about the inquiry and alerted me chase bank sent them information tied to the wrong first name as well as a NY address. This is terrible due diligence on chase to even begin a credit check based on this information and wrong phone number to boot. This was clearly a fraudulent application that should've never gotten to a credit pull stage. 

I would like to have this hard inquiry removed from my credit report on transunion as it was clearly fraudulent and affecting my credit. Futhermore, Chase should really fix their process, I have been a loyal customer to them for a while also I will note.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-03-25
Company: LEXISNEXIS
State: TX
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:
XX/XX/2020 - Home insurance renewal, notification of rates doubling XX/XX/2020 - Requested Lexus Nexus report via Website, XX/XX/2020 - Received instructions to view Lexus Nexus report online, several instances of incorrect information including a lien judgement on a property I do not own. My suspicions are that this is adversely affecting my rates. 

XX/XX/2020 - Called Lexus Nexus at XXXX to start an inquiry into the incorrect information. They are unable to access my account and send a internal email message to a team that should contact me within 2 days. 

XX/XX/2020 - No call received. Called Lexus Nexus again, and was told that I needed to wait longer to receive the call from the specialist team. 

XX/XX/2020 - No call received. Called Lexus Nexus again, and was told again that my account is in a " protected status '' and can not be handled by the phone support team. They would send a third email to the specialist team to call me back. 

My Lexus Nexus report is full of a mixture of my Fathers ( Sr. ) and my ( Jr. ) history resulting in a large amount of inaccurate data. I need this resolved as I'm being forced to pay higher insurance rates based on a report they can't manage to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: DISCOVER BANK
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir or Madam, Please help me. I am a victim of identity theft, and I am being held responsible by Discover Card for {$5300.00} in purchases that I absolutely did not make. The fraud dispute process has failed. I have been fighting with Discover Card since XX/XX/XXXX, but every time I resubmit my claim, I get rejected with no explanation. When I call, I am told that I can not speak directly with a member of the fraud resolution team because they " do not accept phone calls. '' I want to exercise my rights under the Fair Credit Billing Act ( FCBA ). I first notified Discover Card of the fraudulent activity on XX/XX/XXXX. The charges were credited from my account, beginning on XX/XX/XXXX. I received correspondence from Discover that all unauthorized charges have been credited on my account. 

But on XX/XX/XXXX, I received a letter from Discover stating that they changed their minds, and that I was responsible for all charges. They placed all credited fraud charges back on my account! 

This is a violation of the dispute settlement procedures provided by the FCBA ( 161, sections A and B ). The FCBA settlement procedures apply to fraud or unauthorized charges, which I am disputing. Federal law states Discover must resolve the dispute within two billing cycles ( but not more than 90 days ) after receiving my notification of disputed charges. Discover failed to meet this timeline, and the law clearly states that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges even if the creditor finds the charges to be valid. 

My dispute was initiated in the XX/XX/XXXX to XX/XX/XXXX billing cycle. The dispute was not resolved within the next 2 billing cycles of XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. The disputed charges did not reappear back on our account until the XXXX billing cycle of XX/XX/XXXX to XX/XX/XXXX. Therefore, even if Discover believes these charges to be valid, ( which they absolutely are not ), under law, we are not responsible to pay the charges. 

I am attaching proof that the dispute began in the XX/XX/XXXX billing cycle, and the dispute was not resolved until 3 billing cycles later, in the XX/XX/XXXX billing cycle. 

I am also attaching the overwhelming evidence proving that the fraud charges were not authorized by me or anyone in my family. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
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 enrolled in a debt repayment plan to responsibly pay my debt to XXXX 's XXXX XXXX due to my child having special needs and needing to create a sustainable repayment plan with my new financial responsibilities. XXXXXXXX XXXX  accepted my debt repayment plan on XX/XX/XXXX  ( see attached email from XXXX XXXX XXXXXXXX XXXX  ), but failed to change my required monthly payment to the plan agreement of {$39.00}. In XX/XX/XXXX  ( see attached statement titled XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX paid them the agreed upon monthly payment of {$39.00}. At that point, my account went past due because XXXXXXXX XXXX did not change my minimum payment due until XX/XX/XXXX  ( 4 months past the agreed upon new rate ). 

The monthly payment is now correct ( after I called XXXX several times ), and is paid directly by XXXX XXXX XXXX XXXX. However, XXXX XXXX continues to report my account as 60 and 120 past due, when in fact, I have never been late ( see attached statements showing no late payments or past due amounts prior to the agreed upon debt repayment plan ). When I call, the representatives agree with this account and open a new dispute, but the office that reviews disputes continues to state I was past due PRIOR to the debt repayment plan, and refuse to change my status in their credit reporting. I am unable to speak with anyone in the dispute department that handles credit reporting. I have called every month since XX/XX/, and they continue to file a new dispute, and continue to reject it without any factual data indicating I was past due prior to enrollment in the debt repayment plan. This is an error on XXXXXXXX XXXX  part by not correctly adjusting my monthly payment amount due in XXXX of XXXX  ( after agreeing to the new payment amount in XX/XX/XXXX  ), causing my account to go past due in XX/XX/. 

This issue has destroyed my credit, which has always been around XXXX. I am a home owner and a single mother, and I have worked hard to maintain a good credit score. I would appreciate any suggestions on how to remedy this incredibly unfair situation.

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2020-09-16
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: Account status incorrect

Complaint:
Transunion should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX and due to a hardship caused by COVID, XXXX XXXX agreed for me to defer payments. I have attached a copy of their correspondence for verification of my conversation with a XXXX XXXX representative. This false reporting of a late is seriously harming my credit score and this line item needs to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.

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 2018-02-20
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the process of completing a loan modification with Shellpoint Mortgage Services over the past 6 months. I was approved for the loan modification after providing documents and personal information. I was then told by my assigned Shellpoint single point of contact ( XXXX XXXX ) that my interest rate would remain at 3 % for the loan modification. She said all I needed to do was pay my 3 monthly trial payments and then I would received the loan modification document in the mail to sign and then start payment on my modified mortgage. I just received the loan modification document ( XX/XX/XXXX ) and the interest rate is at 4.5 %. That is 50 % higher than I was told it would be and I have to sign the loan modification document and send them back by XX/XX/XXXX or my home goes into foreclosure. I also made 3 trial payments totaling {$6300.00}. I feel I have been 'bait and switched '' with a promise of a low interest rate and now have no choice but to enter into this modification. I already paid {$6300.00} in trial payments under the promise that the modified mortgage would have a 3 % interest rate and if I walk away my house would go into foreclosure. This was an attempt to deceive me into paying my trial payments without giving me a choice but to accept a high interest rate for the modification. I spoke with XXXX XXXX ( Shellpoint Loss Mitigation Supervisor ) on XX/XX/XXXX and he told me that he would notify the investor of my situation but has never seen them change an interest rate in a loan modification. He said this would take at least 15 days which is after my signed loan modification is due anyway. I have been deceived by Shellpoint Mortgage Services and put in a terrible position. Please rectify this situation by lowering the interest rate to 3 % on the loan modification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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 XXXX has violated my rights. 

15 u.s.c 1681 section 602a. states that i have a right to privacy.

150u.s.c 1681 section 604a 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 2022-04-11
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello this is XXXX XXXX and I cant pay the whole {$820.00} that I now owe to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: MD
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 fumish 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 2020-03-25
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This morning, XX/XX/2020 at XXXX XXXX, I received a email of a a {$300.00} charge on my PayPal account to XXXX for a gift card receipt. The recipient was named " XXXX XXXX ''. I filed an unauthorized payment dispute with Paypal. I was notified 5 hours later that the charge was determined to be legitimate and the case was closed. 

When I attempted to contact Paypal over phone, I was unable to reach a live person, and was instead notified to contact them over text. I am currently awaiting further news.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-09-22
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021 I filed a complaint against OPTIMUM OUTCOMES INC because of an alleged debt. I sent OPTIUMUM OUTCOMES INC a cease and desist as well as an invoice for the violation. OPTIMUM OUTCOMES INC closed out the alleged account and stated they would honor the cease-and-desist letter but not my remedy. Last week I received ANOTHER letter from OPTIMUM OUTCOMES INC asking me to pay another alleged debt, which dated, XX/XX/2021. I did not give OPTIMUM OUTCOMES INC my consent to communicate with me, once again. Accusing me of owing this alleged debt is obscene and profane not to mention a violation. I am enforcing my rights as a consumer for the damages by OPTIMUM OUTCOMES INC. pursuant to 15 USC 1692k. Pay the attached invoice and compensate me for every violation labeled in the attached exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. They have NOT supplied any proof of this account verified. The have no permissible purpose to report these accounts on my consumer report. The law is clear and it ates these companies must have my written permission and they DO NOT!!!! You also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop.

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 2019-06-12
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: Account information incorrect

Complaint:
I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX account reporting to my credit report. 

XXXX XXXX is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.

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