BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
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: Personal information incorrect

Complaint:
I have inaccurate addresses on my consumer report ( EXPERIAN, XXXX AND XXXX ). I want these addresses and accounts moved as soon as possible. I also have collections account on my consumer report that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-25
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously asked this collection agency to send me validation of this alleged debt pursuant to the FDCPA, instead I received a vague receipt with none of the information I requested. I sent another letter on XX/XX/2022 and I still have not received any response. I have attached the letter to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Lease term was for 3 years with Chase Auto Finance. After the final payment on the lease was made, we requested to purchase the car and were sent paperwork along with a final amount due to purchase the vehicle. We procured a cashiers check for the amount of {$18000.00} and had it sent via XXXX. The check was delivered and received on XX/XX/XXXX ( 7 day before the termination of the lease agreement ). On XX/XX/XXXX the check had not been posted, so I called and was told that processing of payments required 10-15 business days. I called again on XX/XX/XXXX to inquire about the process and was told to call back again on XX/XX/XXXX. On XX/XX/XXXX I called and was told that the check and paperwork had not been located, that an investigation would be opened into the status of the check. During the XX/XX/XXXX call I was told that the payment team would send a physical letter to my address regarding the outcome of the investigation within 1 week. On XX/XX/XXXX I call again and was told, after speaking with an escalation specialist, that the check was located and the payment process would be expedited. On XX/XX/XXXX I open some mail to find a letter drafted on XXXX XXXX indicating that I have defaulted on my lease and unless immediate action is taken, Chase may begin the process of repossession of the car within 10 days of the letter. On XX/XX/XXXX I call Chase and speak with an escalation specialist as well as a member of the quality team. The member of the quality team assures me that the delinquency being reported to the credit bureaus would be back dated, no repossession would occur, and that I would have a response as early as the end of the day Monday XX/XX/XXXX or as late as Wednesday XX/XX/XXXX. Having not been contacted, again I call Chase motor finances on Thursday XX/XX/XXXX and spoke with a member of the quality team that informed me that no check had been found yet and that they would continue the investigation but would likely not have any news for me until the beginning of the new year. I have still not received a letter from the payment team and at this point I am concerned with the damage being done to my credit and the likelihood of repossession of a car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt collection notice via mail on XX/XX/2018. Company that supposedly purchased the debt ( {$1800.00} ) is XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ga. XXXX. The current creditor is shown as XXXX XXXX XXXX XXXX, XXXX which is also located at the above address. Have called XXXX several times with no answer or response. Original debt was supposedly XXXX XXXX, a company that does XXXX  work and was closed and later bankrupt due to medicare fraud and other bribery issues. Have never heard of any of these companies and am 100 % sure that I would have no need for the services that XXXX XXXX provides. This appears to be a scam. I have attached the mailing for your use. Thanks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: TN
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2022-06-14
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Irs verification came in theee months ago and I havent been able to use my card but credit card company is taking money from me every month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Please see attached file.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section XXXX : It also states a customer reporting agency can not fumish a account with out 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 2023-02-03
Company: EQUIFAX, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I have a loan with XXXXXXXX XXXX XXXX XXXX and XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information and I need you to correct them as soon as possible : XXXX XXXX Opened XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$270.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: MI
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 rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. 15 usc 1666 they can not report alleged late payments to my consumer report.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

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 2023-01-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Previous balance on a XX/XX/XXXX statement was {$3700.00}. I made XXXX payments. XXXX for {$1000.00} ( XX/XX/23 ) and the XXXX for {$400.00} ( XX/XX/23 ) before the billing cycle ended. The interest charged was {$46.00} for a XXXX day bill period. On the XXXX page of the bill it states how the interest was charged. They calculated the interest at {$3200.00}. This makes XXXX sense in that my payments before the end of the billing cycle was {$1400.00}. If I subtract my previous balance with when they calculated my interest for the billing cycle it only comes out to {$480.00}. This can not be right given how much I paid on the card during the billing cycle. I called the company ( obviously a call center in XXXX ). The girl on the other line had XXXX idea what to do or say and was mostly just reading off what sounded to be a script.

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 2021-12-30
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. I am dealing with Sun West Mortgage. My loan number is XXXX. I called them on Tuesday, XX/XX/2021 to request the COVID relief plan for 4 months and have heard back from them. My phone number is XXXX if someone can assist and help me in this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Select Portfolio Servicing has been Servicing our loan based on an assignment of Mortgage-RE : XXXX XXXX TRUSTEE, IN TRUST FOR REGISTEREDHOLDERS OF XXXX ASSET-BACKED CERTIFICATES XXXX SERIES XXXX-XXXX XXXXT, ( Also Known As- XXXX XXXX XXXX XXXX ) Fact : XXXX XXXX  ACKNOWLEDGE ASSIGNMENT OF MORTGAGE WAS ADDED IN ERROR., On XXXX we called XXXXXXXX XXXX ( Bankruptcy Dept. who handles all XXXX XXXXXXXX XXXX  accounts ) XXXX and spoke to XXXX XXXX Representative XXXX, we asked her how can XXXXXXXX XXXX  add an Assignment of Mortgage if XXXX was not the Noteholder and we advised her of the copy of the Loan Modification making XXXX our Noteholder and XXXX XXXXXXXX was Servicer, as of XX/XX/XXXX and that XXXXXXXX XXXX  sent this information to us on XX/XX/XXXX, XXXX then verified information and then said XXXX made an error, so XXXX then called the XXXX Mortgage Dept., where they verified that XXXX started collecting as Servicer as of XX/XX/XXXX, while on the phone talking with XXXX a Representative from XXXX XXXXXXXX XXXX  ( XXXX ) called me so we were able to bridge her in, who basically verified they sent us our Satisfaction letter, so XXXX then called Select Portfolio Servicing and advised them that XXXXXXXX XXXX made an error, Select Portfolio Servicing Representative XXXX said basically nothing she can do, to contact the Lawyer we advised her we did, so XXXX then advised us to Fax in the Loan Modification and Title Search, Deed info everything to ( XXXX ) XXXX XXXX investigation Dept., research claims # was XXXX ( HLEO ) Home Loan Executive office, to see why it was transferred and the 2nd one was XXXX to Explain Assignment of Mortgage, they officially received XXXX. XXXX acknowledge they were Noteholder and that there is no Lien and they were willing to work with servicer to remove any Liens, we sent information to Select Portfolio Servicing- ( Servicing for Investor XXXX since XXXX ) and to XXXX  - ( XXXX-servicing for XXXX XXXX XXXX  XXXX until XXXX XXXX XXXX There is No Mortgage, No Assignment of Mortgage, No Lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX, Has Fail To Remove An Fraudulently Reporting Account ( XXXX XXXX ). 
FTC Report Was Provided, XXXX Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

Equifax, Has Also Fail To Update Report For Fraudulently Reporting Account ( XXXX XXXX ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

Equifax, XXXX, XXXX Has ALL Fail To Report Accuracies Of XXXX XXXX XXXX. 
Equifax, XXXX Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

XXXX, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX XXXX Is NOT Due To Report Past Due Yet. Possible System Auto Error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ON MONDAY XX/XX/2021 I RECEIVED A NOTIFICATION ON MY BANKING APP, SAYING MY PASSWORD HAS BEEN CHANGED, SO I CLICKED ON IT BECAUSE I'VE NEVER CHANGED MY PASSWORD THAT DAY, BUT IT DIDN'T LET ME LOG IN, BECAUSE THE PASSWORD WAS WRONG, SO I CALLED THE BANK RIGHT AWAY TO FILE A COMPLAINT, BUT FIRST I CHECKED MY BALANCE THROUGH THE PHONE AND IT WAS XXXX DOLLARS, WHICH WAS NOT RIGHT, I WAS MISSING XXXX DOLLARS, SO THEY FILE A FRAUD REPORT AND EVERYTHING, THEY SAID THEY WERE GOING TO INVESTIGATE THE FRAUD, THEN NEVER HEARD BACK FROM THEM, I CALLED ON THE XXXX OF THE SAME MONTH, JUST TO FIND OUT THEY ALREADY CLOSED MY CASE AND NOT GOING TO GIVE ME MY MONEY BACK, ACCORDING TO THEM BECAUSE I SHARED MY PERSONAL INFORMATION AND THE SCAM IS MY FAULT, WHICH IS NOT TRUE, SO I TOLD THEM I WOULD LIKE TO RE OPEN THE CASE BECAUSE I DONT THINK IS FAIR THEY JUST TAKE MY MONEY LIKE THAT, BUT THEY SAID ITS CLOSED AND I CAN'T DO ANYTHING ELSE. MY BANK IS WELLS FARGO.

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 2019-02-22
Company: EQUIFAX, 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 disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXXl ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
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:
I pulled a copy of my Experian consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft and is what happened with the listed account on my consumer report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-07-28
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX, Has Fail To Remove An Fraudulently Reporting Account ( XXXX XXXX XXXX 
FTC Report Was Provided, XXXX Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

XXXX, Has Also Fail To Update Report For Fraudulently Reporting Account ( XXXX XXXX  ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

XXXX, Transunion, XXXX Has ALL Fail To Report Accuracies Of XXXX XXXX XXXX. 
XXXX, Transunion Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

XXXX, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX Pmt Is NOT Due To Report Past Due Yet. Possible System Auto Error.

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