BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
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: Old information reappears or never goes away

Complaint:
I called XXXX  to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few XXXX bucks ( from the high 700 to the high 600 at the time, low 700 these days ). 
The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size.

From a logical point of view, this would push the cost of ( fewer ) large sums unpaid, on the ( larger number of ) small sums unpaid. 
Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day

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 2023-05-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I could not select the proper option from the list, so I apologize for that. There was not a category that addressed this issue. 

I have struggled over the years to get inaccurate information removed, but that is a conversation for another day. My main issue right now is that a few weeks ago I paid off my home mortgage with a lump sum payment. 
As a result of this lump sum payment, my credit score decreased significantly. I believe the scoring systems to be completely fraudulent for punishing a person for paying off a loan early. This is counterintuitive. Paying off an item early should should responsibility, discipline, and high creditworthiness. Punishing for paying off early due to the " longest credit line '' scoring factor is abuse of power. 

In addition, if someone pays off credit cards every month and does not maintain a balance, this should not have a negative impact on their credit score. Currently, It does. People are given higher scores if they keep a small balance on their credit card and just make minimum payments. This is another counterintuitive scoring technique. Isn't the person who pays off their balances every month more credit worthy than those who do not? Leaving a balance and just paying the minimum payment costs the public a tremendous amount of money every year as they are trying to get better credit scores. 

I believe these two items, along with many others is unjust and preys on individuals by lowering scores and making it difficult to obtain credit at good rates when they should be considered highly credit worthy.

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 2022-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is my 3rd attempt at resolution with Chase Bank. PLEASE DO NOT MARK THIS A DUPLICATE! Its not a duplicate, it is a response to the lies in Chase banks response! 
I have never heard of XXXX XXXX nor is she my attorney. I could not find her to reach this illusive response letter they sent out. From what I can tell WE THE PEOPLE are preyed upon by large corporations like Chase, XXXX XXXX, and the 3 credit bureaus who have this unlimited power over our lives and they have no regard for who they trample over. Who they destroy! Im living in sheer XXXX, my identity was stolen thanks to the XXXX data breach and did I get compensated or relief NO! In fact all 3 agencies have refused to delete the fraudulent accounts just like Chase bank refusing to refund OBVIOUS FRAUD!!! I have been financially devastated and its difficult for me to get up every day and continue to fight this. My credit has been destroyed and I cant get an apartment or a car! This is absolutely an unjust system. The banks get bailed out but not us!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}.

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 2023-06-30
Company: CORELOGIC 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, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Inquires provided below are all unauthorized and are the result of identity theft XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 TXXXX XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXXXXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX   Inquired on XX/XX/2018

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 2022-12-29
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance {$9000.00} ; XXXX XXXX XXXX XXXX  Balance {$25000.00} ; XXXX XXXX  Balance {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$24000.00} ; XXXX 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 explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am intrested in disputing all incorrect information on my credit report with Experian. checking my file ive noticed alot of invalid information. It is hindering my report an causing alot of details. please update the information requested to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Halstead Financial Services. It said I owed {$540.00}. There was no explanation. It also said XXXX XXXX XXXX had purchased my XXXX account from XXXX XXXX. When I called the phone number on the letter a woman said I had purchased an oil filter on XX/XX/XXXX for {$120.00}. I never made this purchase. She said it was through XXXX and that I had used XXXX. I have never used XXXX. She said letters were continually sent to XXXX XXXX XXXX XXXX in XXXX, CA to get me to pay the bill. I never lived at this address. She said interest had accrued from XX/XX/XXXX to XX/XX/XXXX and that now I must pay {$540.00}. She said to resolve this issue she would send me documentation to fill out. I received this documentation today. It asked for my Social Security #, Driver License #, my current address and how long I lived there. This second documentation used the letterhead XXXX XXXX XXXX. Both XXXX and XXXX had XXXX. XXXX numbers. There was no signature on either letter. They gave a phone # XXXX. I did not use their email address to contact them. I am sure this is fraud. I will contact the police and ask their advice. Please tell me your opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXXXXXX ACCT # XXXX XXXX ACCT # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deleted late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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:
In accordance with Fair Credit Reporting act XXXX Account, 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 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U S C 166b A Creditor may not treat a payment on credit card accounts open end consumer credit plan as a late for any reason.

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 2022-12-29
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 information incorrect

Complaint:
XXXX XXXX XXXX is not reporting the Balance and Amount owed every XXXX XXXX XXXX and that is creating issues with my XXXX XXXX not increasing and the Balance shown is Greater than what I owe. Contacted the Company XXXX times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. 

Spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX 

She informed that the matter has been reported to the XXXXXXXX XXXX and she would call me back when she hears back from them, approx. in XXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXXXXXX XXXX  but never received any response till date. 

Even called them again and have the XXXX recording made on XX/XX/2022 at around XXXXXXXX XXXX 

Call was transferred to the XXXXXXXX XXXX and they assured that the Correct Balance would be reflected in the Credit Bureaus by XX/XX/2022 but as of XX/XX/2022 they still not reported the correct amount.

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 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i disputed a collection that is not valid and is duplicated on my credit report on XX/XX/2019, the collection is listed as XXXX XXXX and for {$310.00} on both listings. Transunion sent back verified as accurate but did not give me proof of these account reporting as accurate. No files were sent showing that this collection belongs to me.

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 2023-09-27
Company: JPMORGAN CHASE & CO.
State: UT
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:
My credit reports are inaccurate, incomplete and the JP Morgan Chase accounts have not be validated as mine. All have been unverifiable by this creditor. 

JP Morgan Chase has failed to properly investigate the alleged derogatory accounts listed as charge-offs in the amount of {$15000.00} and {$10000.00} on my XXXX and XXXX credit reports. In addition, mark my account as disputed within the 30-day time-frame which is required by law. I requested information of the original contract I allegedly physically signed and supposedly agreeing to their payment terms when I supposedly opened the account. This is a violation of the FDCPA and FCRA. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). To this date, no information has been provided to me by JP Morgan Chase regarding these accounts nor action to remove these accounts from my credit reports. This information has a large negative impact on my credit score.

I have sent certified letters ( with tracking info ) to JP Morgan Chase on the following dates. 
XX/XX/23 XX/XX/23 I have also sent certified letters ( with tracking info ) letter to XXXX and XXXX regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both disputed derogatory JP Morgan Chase accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are repaired immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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