BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account number 's listed below have violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-05
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Was denied credit two times. Went online and ordered credit report. Did not get report. Went online and opened acct to view. The information that Experian had was all old info and all was closed XXXX. I have numerous accounts open now including mortgage, vehicle pmt, tractor pmt, several credit cards. Nothing current shows on my report. Tried to contact Experian several times.Most current today, XX/XX/XXXX. Recordings are not conducive to getting things done.Tried dispute section online.Did not present relevant choices. My spouses credit report is fairly accurate.I would like to talk with a person at Experian but seems impossible!

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 2023-11-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit 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:
Had the parking garage wrongly that charge my card for parking that was supposed included in the rent. The leasing office confirmed this was the case but had to deal with the charge myself because it was a 3rd party. They never responded to a single email and dont answer the phone. I dispute the charge and explained the situation and that I need the charge disputed.

Then I get a call 4 weeks later saying they didnt start investing and that they refuse to contact the merchant because they felt my proof my insufficient. They want a receipt. A receipt for what? A transaction that didnt place. The entire they tried to transfer me to someone else before just hanging up me outright. This is the last time I used chase for anything. They offer no purchase protection. Their dispute department is intentionally rude and that dont care at all about the customers. 

Last time I made a report some guy with a staticky phone, probbally intentionally, asked me to email documents to an email that didnt exist before never following up on it again and no way to call them back. I expect this to be the same. Ive banked with chase since XXXX. XXXX never using their services again. 

If you have a chase on file with someone be careful they dont accidentally charge you for something because their dispute team will do nothing but waste your time before hanging up on you.

Company response to consumer: In progress
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive sent my correct and current name address and employment. To the consumer reporting agencies. Ive provided proper copies of my drivers license. My social security card. And utilities bills. Last year. They still havent corrected my information. Which is violating my consumer law rights.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Inaccurate information is reporting on my credit. XXXX, XXXX and Experian are reporting different information about the same account According the FCRA and account should report accurate information like payment status, last day of activity. 

I have disputed several times with the credit bureaus the FCRA VIOLATIONS but they do not update ANYTHING

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 2023-09-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up an account at Regions and was told they have early pay. I have never received my payroll early. They are able to see it at least two days earlier than the payday but are not able to tell me why its not going in early. Also they are not honoring a credit when opening a new account. I asked about it and was told I have to open account online or in branch. However I did try online but was told so have to call to finish opening account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
THIS COMPANY IS PREDATORY! THE INTEREST RATE IS OVER 300 %! I SUBMITTED AN APPLICATION THAT WAS APPROVED PENDING VERIFICATION. I CALLED AND SPOKE WITH A REP AFTER SUBMITTING A PAYSTUB AND WAS ADVISED TO SEND ANOTHER XXXX. I PROVIDED ANOTHER REFERENCE ALSO. I SENT ANOTHER PAYSTUB AND CALLED BACK. THIS NEW REP ADVISED ME THEY HAVE MY DOCUMENTS BUT THE APPLICATION WAS CANCELED. THEY TRIED TO CONVINCE ME TO SUBMIT AN IN STORE APPLICATION. I DECIDED TO CALL THE STORE AND WAS TOLD THEY HAVE NOTHING TO DO WITH THE ONLINE APPLICATIONS. I ASKED TO BE REMOVED FROM THE MAILING LIST. SHORTLY AFTER THAT, I RECEIVED A DENIAL EMAIL. I FEEL I WAS GIVING AWAY MY PERSONAL INFORMATION FOR NOTHING. I HOPE THEY DONT SELL IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Amazon wants a payment of {$110.00} based on fees with out purchase. They own me {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
1. Bankruptcy Statutes : 15 U.S.C. 1681g section 609 states every consumer reporting agency shall, upon request ..., clearly and accurately disclose to the consumer the sources of information reported. The US Bankruptcy Court of Texas does not, as a rule, furnish or disclose any information regarding filings to credit reporting agencies. XXXX XXXX is the reporting agency making this record false and inaccurate. Not only that, In accordance with 15 U. S. C. 1681c section a1, which states, No consumer reporting agency may make any consumer report containing information regarding bankruptcy from the entry of order or relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The law only provides for a maximum length of time, provided the information is true and accurate, not a minimum length of time. Therefore, this reporting is in violation of the Fair Reporting Act and must be removed immediately. The continued reporting of this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.

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 2022-05-04
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a notification that I was being sued by Klima, Peters & Daly P.A. for a debt they claim is owed to XXXX XXXX supposedly on the behalf of XXXX XXXX XXXX. The hearing is scheduled for XX/XX/2022. On three separate occasions, I requested the documents listed below but the attorneys have failed to send them. I sent XXXX 's attorneys three written requests for this information ( one on XX/XX/XXXX, XXXX on XX/XX/XXXX, and one on XX/XX/XXXX ). I have the right as a consumer to request proof of the debts they say I owe to them or their client and proof that there is some contractual obligation that is binding me to pay these alleged debts to XXXX Funding and the right to defend myself when being wrongfully sued. 


1. Copy of the original signed credit application between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

2. Copies of all statements and correspondence sent from XXXX XXXX XXXX  XXXX. to XXXX XXXX unredacted. 

3. A signed Contract between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

4. Copy of the check that was cashed for purchase of this particular debt and this debt only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  XXXX XXXX XXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have attached the discrepancies with these accounts from my credit report. The information is inconsistent and illegal. These accounts should be deleted 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
TransUnion Account : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account because child has reached age majority in XX/XX/2014. See attached court decree.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is the continuation of complaint XXXX, as American Express told that CFPB they are going to correct the mistake, fraud and issue me {$200.00} credit, not only I did not see the credit, but also, they USPS mailed me another letter dated XX/XX/XXXX from American Express fraud department XXXX I just received it today ; saying that They are not able to find the fraud charge and American Express wants to lie and play game with customer all over again. Please see the attached letter I just received. American Express lied to CFPB. American Express is fraud financial company itself. Please resolve the strange response I received today after they told CFPB they have fraud charge, they credited {$200.00} in my account?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We just realized that we should check our daughter 's credit report ( XXXX is XXXX ) as well as place a freeze to her credit for her own protection against fraud and identity theft. However, we attempting to do so, Equifax ( you know the company responsible for the Data breach that made freezes free to everyone ) wants us to mail in copies ( adults and child 's ) of our Social Secuity cards along with driver 's license, and birth certificate cards, with their form. If this gets lost in the mail or stolen, there goes all our most vulnerable information for someone to steal all our identities. How is this the correct course of action and what can be done about it? 

While I am here, why is XXXX allowed to charge you for their XXXX boost services. You mean to tell me that I don't actually have to be a good consumer, all I have to do is pay you money and you'll raise my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I do not know who this company is. they are fraudulently reporting a medical collection on my credit report, and I never gave them permissible purpose to report any of my information. Collection Bureau of Hudson Valley Inc are in violation of USC 1681b and I want them to be held accountable for their wrongful actions taken against me. I already sent them a letter in writing to requesting to remove it and they blatantly ignoreded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: LendingPoint Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with LendingPoint/ XXXX XXXX on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX XXXX/ Lending Point took cash and monthly cash payment which is equivalent to a comparable cash transaction. 

Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit. 

15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction. 

Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A is in fact false and misleading because It is suppose to be included in the finance charge. 

XXXX LendingPoint also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Multiple out-of-state calls from Navient regarding payment of student loan my deceased wife co-signed for her neice. Counted 20 automated robo-calls in last 5 days.Previously spoke to financial rep who explained the only way to have my name removed from loan was to make 6 continuous monthly on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX  XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$410.00} XXXX  XXXX {$300.00} XXXX  XXXX {$870.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$160.00}

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 explanation
Consumer complaint received 2018-03-07
Company: NAVY FEDERAL CREDIT UNION
State: AL
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 and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a credit card as well as a checking line of credit with NFCU. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the fraudulent charges be erased from my NFCU Accounts so I can have an accurate balance. So I explained to a representative at NFCU that all they could do was dispute the transactions. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. 

I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. I say this because I have had past fraud claims with NFCU that ended the same way, with them taking the side of the merchant. This is why I filed the ID theft affadavit in the first place this time. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. I would certainly not risk perjury, imprisonment, fines etc by lying to the police department, the FTC and a MILITARY based credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
On XX/XX/XXXX, XX/XX/XXXX I sent letters to Experian, XXXX XXXX XXXX XXXX ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX 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