BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
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: Account information incorrect

Complaint:
Experian has a continuing investigation regarding my XXXX XXXX account, over which I have complained about previously. It continues to be reported inaccurately, although I have provided Experian documentation that includes the most recent statement and a recent letter from the furnisher confirming that there is no balance owed ( there is currently a credit balance owed back to me ). Separately, the furnisher represented to me that XXXX addressed the dispute request from [ me ] and from a consumer reporting agency on [ my ] behalf on XX/XX/XXXX. At that time, [ XXXX ] investigated [ my ] dispute and mailed [ me ] the enclosed letter dated XX/XX/XXXX and provided a response to the consumer reporting agency. '' As I understand the furnisher 's policies, they normally update reporting once each month. A review of my credit report history with Experian confirms this representation and I have since been patiently waiting for it to update. The reporting history indicates that this updating has taken place on or about the last day or first day of every month since I opened the account. Notwithstanding the aforementioned, my Experian report has remained without update since XX/XX/2023 ( see attached entries ). This is not only despite that both XXXX and XXXX have been updated, but that the absence of an update for XXXX is inconsistent with the furnisher 's explained policy as verified by the history of reporting on the account. Today is XX/XX/2023, and the account is not reported for XX/XX/2023. The inaccurate reporting is negatively impacting my credit scoring and I am unable to move forward with my mortgage application until it updates. I simply do not understand why this is happening.

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 2023-02-01
Company: CITIBANK, N.A.
State: OH
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: Overcharged for something you did purchase with the card

Complaint:
I am a US citizen traveling in XXXX XXXX.On XX/XX/XXXX I arrived in XXXX XXXX. Airport taxis were waiting for passengers and I mentioned that I had not exchanged funds to their monetary system yet as I had just landed and they assured me that I could use my credit card for the taxi. Upon arriving at my XXXX the driver used a portable XXXX XXXX device for the transaction. It was approximately XXXX miles from the airport to my XXXX. I did not receive a receipt since it was a taxi and I assumed that was custom. The following day I noticed that the charge was for over {$600.00} USD. I reported it directly to my city credit card they said it had to post first and then I could dispute the charge. I was shocked to find out that I was responsible for that charge even though it is clearly fraudulent. I contacted XXXX XXXX, no response and unfortunately I do not speak XXXX so I have not gotten very far in my complaint. Sincerely 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 2023-10-12
Company: DISCOVER BANK
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Im trying to find out if Discover really has an account of some type in my name. I have never opened any type of account with them but I received a letter in XX/XX/XXXX and another XXXX today dated XX/XX/XXXX about changes to a deposit agreement for an account ending in XXXX. I have no idea what this is for. I emailed them the first time saying I believe they have a fraud account open in my name using my name & address back in XXXX. I didnt get a response. I dont know what was used to possibly open anything with them or if the letters are fraudulent. I have fraud alerts on my credit reports & with XXXX. I dont know if I need alerts in some other database to keep for folks from using my info. I would like any fraudulent accounts to be closed. Over the past year or so it I have received letters from at least XXXX banks/credit companies claiming that I have an account that I dont have. The letters were sent to XXXX XXXX XXXX XXXX, XXXX Va XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Amsher Collection Services, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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: Information belongs to someone else

Complaint:
Even auto fill generates the wrong information making related fix necessary W O W.This is so ludicrous what can one say. TransUnion can not find my credit file even after having name address and Cfpb complaint! Their response report number XXXX qualifying their ineptness- opinion by years of complaints YEARS. With NO RESOLUTION OR ACTION BY THEM. Boxes of similar letters all three agencies. Opinion All A facadem

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 2023-07-11
Company: Experian Information Solutions Inc.
State: MN
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:
According to 15 U.S Code 1666B, the Federal Reserve Board is required to establish regulations to protect consumers from unfair and deceptive practices regarding credit card accounts and overdraft services. These regulations aim to promote transparency and fairness in the credit card industry, ensuring that consumers are fully informed about the terms and conditions of their credit card accounts and are not subjected to unfair or deceptive practices by credit card issuers. 

According to Section 15 U.S Code 1666B, I have been working on improving my credit and my understanding is that it takes five consecutive on-time payments for one late payment to be removed from my credit report. I have diligently made more than five consecutive payments on all my credit cards, demonstrating my commitment to paying as intended. Therefore, I am writing this letter to request a resolution that will either remove these late payments from my credit report or minimize their impact on my credit history. 

Additionally, it is worth noting that credit card protection was purchased for certain cards. This means that in the event of any hardships or unforeseen circumstances, the minimum balance required to be paid would be covered, and no late payments would affect the credit history during the time of these difficulties. However, during the XXXX pandemic, when many people faced financial challenges, none of the credit card companies extended their support or offered any assistance, despite the credit card protection that had been paid for. 

The accounts and creditors are listed below XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX days late For the month of XX/XX/XXXXXXXX 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 2021-07-10
Company: EQUIFAX, INC.
State: NC
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 filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: CA
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:
I, Consumer XXXX XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block any information in the consumer 's report derived from identity theft. The unauthorized inquiries are as follows : 1. XXXX XXXX XXXXXXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4 . XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX Equifax 6 . XXXXXXXX XXXX XXXX Equifax 7 .  XXXX XXXX XXXX XXXX 8 . XXXX XXXXXXXX XXXX XXXX Equifax 9 . XXXX cred- XXXX XXXX 10 . XXXX XXXX XXXX 11 . XXXX XXXX XXXXXXXX XXXX 12 XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: JPMORGAN CHASE & CO.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was double charged interest of My Chase Loan. The interest over charged in XX/XX/2023 is {$48.00}, in XX/XX/2023 is {$43.00}, in XX/XX/2023 is {$16.00}. 

First, I called chase. 2 of 5 the account manager wants to refund me but couldn't because the charge is setting by system. Other 3 did not even know the detailed terms of My Chase Loan. They just saying the amount is showing not charging. But the equation showed in statements shows the interest was charged in addition to my monthly installments. And the installments contains the interest. 

I also wrote security message to Chase through App. The representative XXXX just saying it is right without answering my questions about why I need to pay additonal interest besides monthly installment. My Chase Loan supposed to pay interest rate in monthly installment not in additional charge. He is just rudely answer it is a fee. But My Chase Loan does not have any fee except monthly installments. 

I then pointed the statement error to their mail service. I asked 3 questions : Why I need pay interest in addition to monthly installment containing interest already? 
Why the balance to calculate interest is much higher than what it should? 
If My Chase Loan is treated as cash balance transfer, why Chase did not point out in documentation? 
I just got an answer which did not answer any of the question. It is said that the balance calculated for interest is not the balance you have for the credit card, which I know for sure. 

For the 3 month and 3 way contact method, none of these is answering my questions and usually arbitraited and shows no knowledge of their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CCF Intermediate Holdings LLC
State: OK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX {$1700.00} ) has violated several of my rights. 16 U.S.C 1691 section 602 A. Clearty states that 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 an account without my written instructions. 15 U, S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: CA
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:
HARD INQUIRIES I DO NOT RECOGNIZE:
-XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report 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 2023-07-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX has violate

d 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 2022-11-05
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, about a year ago my wallet was misplaced when I attended a concert with a group of my family members. Inside of wallet Included my ID and social, along with my cards and some cash. A few months ago I viewed my credit report and noticed some things attempting to be opened in my name, things that I did not do, which lead me to believe that I am a victim of identity theft. I am very exhausted and so tired of dealing with this same issue regarding my credit report. I am needing the items to be removed off of my credit report as soon as possible to fix my credit file. As I am tired of worrying, and I am hoping these things get solved 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 2021-07-10
Company: The CMI Group, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TN XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-01-11
Company: CBC Companies, Inc.
State: GA
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 have inquiries on my report that I have disputed prior and these inquiries are with companies that I have no open accounts with. Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
my license was stolen. today i received a notification from a credit bureau stating that hard inquiries were recently posted to my credit file and also that there was a new address showing for the state of new jersey, added to my file as well. the inquires i listed are fraudulent as well as the new address that's listed. attached is a copy of my identity theft 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received a collection call from the company after XXXXXXXX XXXX. I had already made my monthly payment.

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 2023-02-09
Company: COAST PROFESSIONAL INC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A Letter from The College XXXX XXXXXXXXXXXX XXXXXXXX XXXX Student Accounts dated XX/XX/2023 mailed and addressed to me, was received in my residence mailbox on XX/XX/2023 concerning my XXXX student account. This letter is informing me that my XXXXXXXX Student account details financial aid obligations of {$6800.00} to creditors used by XXXXXXXX XXXX XXXX XXXX Coast Professional Inc. XXXXXXXX XXXX Office of Student Accounts are advising me of their action to forward my student account obligations to the New York State Attorney General 's Office , for further collection proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a XXXX account that I used to pay monthly with my XXXX XXXX credit card. I disputed an erroneous charge. I won the dispute. The XXXX XXXX dispute number for the dispute theat I won is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, illegally sent this charge to be collected by XXXX XXXX XXXX who then, without any notification placed it with Transunion as a derogatory account.

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