BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: MD
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2900.00}, XXXX XXXX  XXXX XXXX Balance : {$1000.00}

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 2020-01-09
Company: JPMORGAN CHASE & CO.
State: KS
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:
Chase Credit Cards are charging me for an unauthorized hotel charge that was on file with the hotel for incidentals only. XXXX XXXX was not authorized to charge my card for anything. This was not an incidental charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2021-03-14
Company: Experian Information Solutions Inc.
State: AZ
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:
I had submitted several written disputes in regards to inquiries on my credit report I reviewed in XXXX XXXX and XXXX XXXX. I had reached out to Experian to dispute these inquiries listed below in regards to providing additional verifiable signed documentation or any hard documentations that tied me to these inquiries and when the results were sent back to me. They had informed me that they came back as accurate and verified, when I sent the written dispute I asked them if these inquires had come back as verified I wanted them to provide me the verified information and any documents that validate these specific inquiries. They were never able to provide any of these and when I called several times to their phone dispute center to speak to live agents they were very rude to me saying to go ahead and file a complaint with the Consumer Financial Protection Bureau. I kept informing the reps that without providing me with verifiable documentation this would fall under Experian reporting inaccurate information. I am asking for Experian to provide me information on how they concluded the investigation for each of these disputes and also any factual documentation and verifiable proof that connects me with these inquiries such as signed documentation, or contracts for these specific inquiries list below of the companies and dates of inquiries. 


XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2022-02-15
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX XXXX XXXX has placed an hard inquiry on my Equifax credit file. This allegedly happened on XX/XX/2020 without my consent. I contacted a manager in credit review department and I provided my social security number and reference number. The manager could not found my personal information nor the previous alledged credit card application details in their database. Since I didn't authorize to receive or apply for credit with XXXX XXXX XXXX XXXX. I am requesting them to contact Equifax and remove this inquiry from my credit report immediately. Equifax has blocked me from having access to dispute this hard inquiry. I've attached two exhibits showing that both XXXX XXXX XXXX XXXX and Equifax are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My identity was stolen.

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 2023-03-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of id theft and reported such incident to the proper authority. 
i have several accounts and inquiries that i do not recognize and asked that they be blocked, deleted. Subsection 604 in the FCRA ( which is the same as 15 USC 1681b ) I didn't authorize the reporting of that debt to the credit agencies. 

Unauthorized Inquiries need to be deleted XXXX XXXX XXXX XX/XX/2022 ON EXPERIAN CREDIT REPORT XXXX XX/XX/2022 EXPERIAN CREDIT REPORT XXXX, XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX XXXX XXXX XX/XX/2022 XXXX CREDIT REPORT CREDIT PLUS XX/XX/2022 XXXX 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 2021-03-14
Company: CONTRACT CALLERS INC
State: OH
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:
I have filed a dispute in regards to the incorrect items on your credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have XXXX child support accounts on my credit report. 

I do not owe child support and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the child support case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.

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 2022-06-10
Company: Upgrade, Inc.
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
My identity was stolen somehow. The person or persons responsible for stealing my identity set up a line of credit and a personal loan in my name with a company called UPGRADE. UPGRADE approved the loans, and a Bank named XXXX set up an account to finance the loans. I have tried to reach out to UPGRADE numerous times via phone calls to their claims department and the email address that they give on a recording. No one has ever responded to any of the emails that I or my XXXX representitive have sent them. I have been dealing with this since XXXX. I work really hard on keeping my good credit. UPGRADE and XXXX BANK really need to figure out a more secure way to get customers. Please if you can HELP ME get these two businesses to cancel the accounts and send off the proper paperwork needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with NewRez, LLC is a refinance. I had homeowner 's insurance in place before refinancing and have maintained it throughout the life of the mortgage without any lapse or missed payment. I have also made every mortgage payment in full and on time. 

On XX/XX/XXXX, the bank took {$1100.00} out of my escrow account. The notation states " XXXX XXXX XXXX ''. On XX/XX/XXXX, the bank took $ XXXX of my escrow account. The notation states " XXXX XXXX XXXX ''. In both instances, this was an improper conversion of money held in trust in an escrow account. As noted, the property has been fully insured at all times and all payments were made by me to insurance. 

I first spoke to a customer service representative about this on XX/XX/XXXX. I have talked to XXXX XXXX, Team Lead, XXXX XXXX, Team Lead Supervisor and XXXX XXXX, Supervisor. Ms. XXXX refused to let me talk to her supervisor, XXXX XXXX, XXXX and would not give me contact information for anyone so I have no option to follow up with anyone ever.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit 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:
Chase Bank took out a large amount of money over {$5000.00} between XXXX XXXX. This was more than what the statement was for which was just over {$200.00}. They returned it after contacting them on the XXXX and on the XXXX took it out again. I did ask the Rep prior to getting off the phone if they payment will all be deducted once my money was return and was told yes. This has placed my bank account in the negative which is affecting me, my family and household in a drastic way. After speaking with a supervisor XXXX XXXX about the matter, he insists that there is nothing that he can do until the XXXX in which it should fall off. My question to him was what I am to do concerning my children and the automatic deductions which will be coming out of my account? and his recommendation was raising my credit limit higher. How is this supposed to help me by adding more depth to my accounts I asked him and all he can say is sorry, but he can not do anything to help. This is ridiculous that with a push of a button a company such as Chase Bank can remove a customer 's money, leaving it in the negative, but the customer must wait days before our money can be returned to our accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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 am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: United PanAm Financial Corp.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: LA
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  XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
in XX/XX/XXXX, i owned a property located at XXXX XXXX, XXXX, OH. at the time, tenants were renting the units. all tenants had utilities put in their name. apparently in XX/XX/XXXX, 2 tenants moved out without paying their XXXX XXXX bills. when XXXX couldnt get the bills satisfied, they sent the debt to Helvey & Assoc located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX as part of XXXX collection process, they also sent two addresses that they had on file so that Helvey could reach out to me by mail to start the 45 day inquiry process. however, the addresses that Helvey has reported to me as of XX/XX/XXXX that they say were given to them by XXXX, do not match with any addresses i have ever been associated with. I NEVER RECIEVED any mail then that i was even in collections. it wanst until XX/XX/XXXX, ( when i was in the process of refinancing that I discovered the 2 collections. I promptly Helvey and paid them off. i thought at the time they would also be removed from my credit when i did pay them. additionally on the call on XX/XX/XXXX, it was also discovered that Helvey did have my correct cell phone. however, on a recorded line, i was informed that they never tried that cell to reach out to me to give me a chance to settle the debt prior to them reporting to the credit agencies. so in the end, XXXX gave Helvey 2 incorrect addresses that i have no idea about and have never been associated with. and a correct phone number that they never tried me on. so in the end, i was never given a a chance to pay this off within the 45 day period. if i would have known about this during that period, certainly would have paid it off.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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:
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 XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: LA
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:
Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

from ; XXXX XXXX XXXX ... thank youSomeone needs to hold them accountable for this ALL THESE ACCOUNT NEED TO BR REMOVED IMMEDIATELY WITH IN 14 TO 30 DAYS MAX

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 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Over the course of a month and after several phone conversations and letters with Capital One Auto Finance regarding a car loan in the amount of {$1600.00} consumer credit transaction showing on my reports have refused to XXXX balance, grant my title free and clear, close and remove transaction. Per 15 usc 1692g Validation of debt is warranted I have requested the " original Creditor '', name and address and to Cease and desist collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: NY
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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation