BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I sent a dispute letter to Experian regarding an account with XXXX XXXX XXXX XXXX ( account number XXXX ) that was reporting inaccurately on my credit report. The report showed the account became 30 days late in XXXX of XXXX and subsequently was late 60 days XX/XX/XXXX, and 90 days late in XX/XX/XXXX. I disputed these dates because XXXX  and XXXX both show the account first became late in XXXX of XXXX. Therefore, Experian was showing the account was late 4 full months after the accurate date it first became late. On XX/XX/XXXX, Experian responded to my dispute saying the account was updated. However, the inaccurate payment history did not change, despite the fact I provided them with ample evidence showing that it was incorrect. I am complaining because I believe Experian did not actually investigate my dispute, Experian is allowing an account to remain on my report that has been illegally re-aged, and is non-compliant with the FCRA. If Experian actually performed their own investigation of the dispute and account, this issue would have been corrected.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOUTHWEST CREDIT SYSTE Original creditor : XXXX is showing up on my credit report stating I owe {$2500.00}. This debt was owned by XXXX XXXX XXXX XXXX prior to this. I provided an FTC report and let them know I was a victim of identity theft. That debt is not mine. I filed this complaint on XX/XX/XXXX with the CFPB XXXX. In this complain the company took ownership for their mistake and removed this debt from my report. I hope that this debt collector will do the same. 

I am Writing to you to properly address that I am a victim of identity theft. I am writing to request that you block/delete the following fraudulent information from my credit report. 
XXXX ) SOUTHWEST CREDIT SYSTE Original creditor : XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection This information does not relate to any transactions that I have made. I have enclosed a copy of my identity theft report and a copy of FCRA Section 605B which details your responsibility to block/delete fraudulent information on my credit report resulting from identity theft within XXXX business days and to properly notify the furnishers of that information. I will be enclosing : identity theft report, proof of identity, Fair Credit Reporting Act Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: American Credit Acceptance, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I purchased a used car with financing through American Credit Acceptance LLC. 
The purchase price was XXXX. I was led to believe I needed a bunch of add-ons in the amount of XXXX. The interest rate is 24.99 %. They told me not to be alarmed by those numbers. They said in a few months my credit would go up and I would be able to refinance at a better rate. I was XXXX years without credit so I believed them. 
My first payment of XXXX was due XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX, On XX/XX/XXXX I paid XXXX. 
I relocated in XXXX from XXXX PA to XXXX PA because I got a new job. Technically my payment in XXXX was late because it was due on the XXXX. I contacted them in XXXX to make arrangements for payments until I could back on track after moving. They agreed. 
On XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. But they still kept charging me late fees. I kept sending them money but somehow the payments were still late. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. Today I called them again because they are still saying I am behind and still owe XXXX before I am caught up for XXXX. I asked them why the fees aren't coming off and I was told that I have to call to pay the fees separately. The fees are not deducted when I pay online. 
Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX I have overpaid XXXX. Yet they claim I still owe XXXX before I am current. So when I make another payment on XX/XX/XXXX, I will have overpaid XXXX. Even if I subtract XXXX for late fee for every month, that only amounts to XXXX. But as you can see, every time I was caught up ( several times ) according to their website I really wasn't because the fees were not included in the total due. It said my balance was XXXX in XXXX so that is what I paid. Same in XXXX Balance due was XXXX. I paid it. In the mean time, they keep reporting my payments as late to the credit bureau and my credit is much worse than it was before. This is so deceptive. This company is a complete scam and ripoff. They can't even explain to me where these fees are coming from. The people I speak to on the phone are foreign and there is a complete communication breakdown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian Account ACCOUNT # XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT KEEP REAPPEAR ON MY CREDIT, I FEEL THIS IS BEING DONE ON 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 2018-08-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently applied for a lease. In the process of this I found some problems with my XXXX  report ( This issues has escalated to the point of where I filed a separate complaint to address it complaint # XXXX ). 

I tried to do an annual free credit report with Experian. Upon doing so I received an error message instructing me to call them. Upon doing so I was repeatedly sent through their automated system. This system would tell me It had resent my password and then disconnect me. After numerous attempts I was finally able to speak to a customer service representative. Over about 45 minutes on the phone they said they had reset my password and username ( although neither of these were ever the issue ). 
I was told to wait 20 minutes and then log back in. 

Upon attempting to log back in I was met with the same error message. The above process was repeated for 4 days in a row. 

On the fourth day, the representative I spoke to tried to lock me out of the system for giving " incorrect '' email address, username, and security questions. I was finally able to convince him of my identity, where in the above detailed reset process was initiated. 

On the fifth day, we went through this all over again. HOWEVER, at this time I was able to determine that someone else had been trying to access my account with a fraudulent email address and user name. Experian tried to lock me out of my account because I didn't know the name/information used on the fraudulent account. All told I have spent some where on the order of 12 hours on the phone with experian in the last 5 days and they still can not resolve the problem. 

In the end this account was listed as false and reportedly deleted. Yet, I am still unable to log in to my account nor can I access my credit report or credit information on file with experian. I am also unable to ascertain what information they have been sharing with other & illegitimate parties. I can not confirm or determine if the fraudulent account was actually deleted.

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 2023-12-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/23, I was informed of a hard inquiry to my XXXX credit report by JPMCB. The following day, I received an adverse action letter stating that an application in my name had been declined. I called to report the application as fraudulent. They closed the application and stated that they would contact the credit bureaus to have the inquiry removed. There was another fraudulent application made in my name to JPMCB on XX/XX/23, however it was blocked by the freeze I placed with all 3 bureaus. I called to confirm they had contacted the bureaus to have the inquiry removed. The first representative stated that they did so at the time I reported the fraudulent application. I contacted XXXX to confirm, and they stated they had not received any notification from JPMCB. XXXX agreed to send me materials so I could dispute the inquiry myself. I called JPMCB back, and another representative stated that while their investigation definitively determined the application was fraudulent, it would be 30-90 days before they submitted documentation to the credit bureaus to remove the inquiry. They mentioned something about there needing to be subsequent fraudulent applications before they would contact the bureaus to remove the inquiry from XX/XX/23. They refused to provide me a letter stating the application was fraudulent, and that I would need to make a FACT Act request for the entire application in order to have the fraud documented in writing. They stated they would respond to the request in 1-2 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I am including excerpts from the response for a previous complaint. 
" We are committed to making sure all customers are treated fairly. That is why we take appropriate measures to make sure that our representatives comply with all laws and regulations. The actions taken on your application were based on valid reasons and in accordance with our policies and procedures. '' You say you have taken appropriate measures. I filed the opt out in XXXX and still into XXXX and XXXX I received solicitations. I had to file additional opt outs and spend additional money to stop the solicitations. American Express could not have taken actions based on valid reasons because the application itself was invalid and was obtained under false pretenses. In violation of the creditor solicitation laws. It's not in accordance with lawful policies and procedures if you obtained the application under false pretenses. I am not at all satisfied with the response. I believe that this is boilerplate response and doesn't go into detail on the exact remedies and new policies and procedures that will go into place to make sure this doesn't happen to other innocent consumers. 


" " We have addressed your claims about your account in our prior responses to the CFPB, the most recent on XX/XX/XXXX, CFPB XXXX. You have been opted out of receiving marketing and it may take up to 12 weeks for mailed offers to stop. In our response to the CFPB dated XX/XX/XXXX CFPB XXXX, we explained that all American Express XXXX XXXX XXXX XXXX were previously reviewed and denied. We also advised that the application for the XXXX XXXX XXXX was denied and the decision remained the same. We have not received any additional applications for either Card from you. In addition, '' These applications should not have been obtained. The consumer opted out of these solicitations in XXXX. This explanation does not explain the lawful purpose you had to solicit and obtain the application, it does not address how American Express will create new policies to guarantee more consumers are not injured by failure of American Express to comply with opt out and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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: Account status incorrect

Complaint:
This letter consummates my lawful and rightful consumer declaring of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately put together a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! I am writing you with this formal protest and a demand for adequate movement on your part. You are non-compliantly reporting improperly to the and XXXX and damaging my credit. You are surely with infringement of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) might well be subject to fines and damages. I am providing you but this one last chance for rectifying of this reported item. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to Delete now or update appropriately as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-related accounts-your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed notice was disappointingly neglected.

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 2023-03-24
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
Santander Consumer Usa made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Professional Collectors Corp.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I pulled my credit report and notice a new collection from 2017 that i was not aware of. I spoke with the collection service PROFESSIONAL COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX and was informed that they no longer have the file and that it was sent out to another collection service 2 years ago, and I would have to get in touch with them in order to discuss the issue. I asked him why did they report this to XXXX and XXXX? I informed him that it was illegal to report a file they no longer control or have in their possession. He just told me that there was some kind of merger and I had to get in touch with the other company and discuss it with them. I asked for something in writing to verify the fact that this collection was no longer being serviced by them and they refused to give me the documentation. If they do not have the file, then they can not report it. This just hit my credit report and the collection service does not control the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: I.C. System, Inc.
State: CA
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 a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt.

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 2022-08-17
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: Personal information incorrect

Complaint:
I have repeatedly sent letters to this consumer reporting agency to correct my personal information, My legal name is XXXX XXXX XXXX. I am not a criminal Therefore, I do not have any aliases. 
As far as my address goes, I only have one. And it is as follows, XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX. 
. Transunion is presenting false statement as fact. And it is causing significant damage to my reputation. I need this information corrected 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 non-monetary relief