BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom This May Concern, I XXXX XXXX XXXX have tried two-time XXXX & XXXX to get my personal information correct but Experian refuse to remove an address that's not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have sent in information showing my correctly address where I can be reached and where I have responsibilities at. Experian just keep violating my right to have my personal showing correct ( it is not my home ) to keep identity theft down, please delete this address XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-12-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please investigate the accounts that are listed in this dispute. 

15 U.S.C 1681 section 602 A. State I have a right to privacy.

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

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

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

Please remove this information from my credit file as these accounts does not belong to me and you are hurting my credit because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
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 belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-03-08
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX credit card with Comenity bank locked me out of my account, cancelled my auto pay, then charged me {$60.00} fees on a {$30.00} balance due to my " late payment ''. I had to call the bank and wait on hold for 20 minutes to execute a payment, and the representative XXXX XXXX was EXTREMELY rude and basically confirmed the contempt the bank has for customers. This behavior ( not allowing me to pay while charging me fees ) seems predatory in the least, most likely illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-13
Company: Brelvis Consulting, LLC
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I started making payments to the XXXX XXXX XXXX XXXX for help consolidating my loans and getting out of default on XX/XX/17. I was promptly emailed several documents to fill out, along with requests to send income documentation. Despite sending all requested documentation multiple times, XXXX took no action on my loan consolidation as agreed in our contract. I received multiple emails claiming the reason they had not moved forward was because they had not recieved my income documentation; despite multiple email and snail-mail mailings of said information on my end, and an email from XXXX confirming the receipt of this information. XXXX also created an unauthorized XXXX account in my name during this process that made it very difficult for me consolidate the loans on my own after they took no action, as I was locked out of the XXXX website containing the documents I needed to apply for help with a legitimate company contracted through the education department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. 

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

Various calls and requests have been made to have them remove all these accounts per their violation of my rights with no replies and updates!

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 2020-04-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Chase Bank holds a business credit card in my name for over {$40000.00}, and I have not been with the company for 12 months. In XX/XX/2019, when I was last with the company, the credit card was only {$20000.00}. They've refused to transfer over the card to the new Partners of the business, even though I've shown them, through the Secretary of State 's website, that I am no longer a part of the business. 

With this, Chase Bank has not notified me of when the payments are due. With this, they are not allowing me to make the payment online. They are now reporting that I've missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: IN
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:
That wasnt me that took the loan out nor attended that school so how was it proven it was 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 2023-09-01
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I been dealing with a XXXX XXXX. Every time I have talked to her she was very aggressive and mean. She has threatened to take me to small claims court. I have been trying to make payments online but will not let me. And she kept saying I can pay over the phone if I give her my card information or banking information which I am not comfortable doing that because I dont know who this person is. I got a letter in mail asking to set up a payment plan. Which I already did but they only pulled two payments. Every-time I have talk to her and I asked her if I can talk to a manager and she refused and would not let me. I even asked her to email me for communication which she does have my email. But refused to do that and still tries to call me. I asked if she will stop calling me and email instead because its a lot easier when I am at work. I cant be answering personal calls when I am working.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Express recovery again has sent a debt notice they failed to send the debt back to the original creditor as I requested in XXXX complaint, instead they keep mailing debt information that isnt valid or substantiated. The debt needs to go back to the original creditor this is my second request. Additionally I never went by the name XXXX XXXX this is a former name changed legally in 2016. This may be a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a XXXX XXXX secured card on XX/XX/2019 And they did a hard credit check inquiry on me on XXXX , Equifax and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019 and they did another Hard credit check inquiry on me on XXXX , Equifax , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, Equifax, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-23
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 belongs to someone else

Complaint:
inaccurate information showing on credit reports that is not know 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 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are the 3 bureaus reporting different last payment dates, high balance and opened date.

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 2023-09-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a customer of JP Morgan Chase for over 34 years. Suddenly, I was advised that all of my accounts would be closed and no reason was provided for this closure. I contested this and they would not reverse this decision. I am an entrepreneur who does not run a cash business, isn't in an illicit industry, I have a perfect credit score, I don't deposit cash balances and I have XXXX XXXX  of any kind. 

I have no idea why my accounts were closed after decades of being a loyal customer of chase. No reason was provided and they even closed my United credit card. This has been tremendously disruptive and I don't understand what I have done to trigger such a closer. Doesn't the bank have any obligation to their loyal and good customers?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 

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

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

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 2020-04-16
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My banks executive office told me they would offer the debit card contactless this year and that they would let me know they never did I just want to know if this is available upon request because my debit card still only has a chip no XXXX symbol they told me a few months ago that they will offer it early 2020 but when I called customer service to ask they dont know what this is unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: AP
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:
Please know that I was not late sending my payemnts to ..I wonder why Experian report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix 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 2023-11-13
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans were forgiven in full and my balances reduced to {$0.00}. This occurred back in XX/XX/, and I received a letter advising of the forgiveness in full dated XX/XX/. The balances on my account page via Mohela.com reflect {$0.00}, as does the balance on the Department of Education website, however, my credit reports with all 3 major bureaus ( XXXX XXXX XXXX XXXX XXXX ) still shows the full remaining balance of over {$19000.00}. 
The letter informing of the forgiveness very clearly states " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. ", however, this remains to be seen. Per the bureaus, Mohela has not reported the balances of these loans since XX/XX/, effectively over reporting my outstanding debt to any entities pulling my credit report, resulting in a higher debt-to-income ratio, limiting available mortgage and rate options, increasing the difficulty of acquiring a much needed new home for my family. 
It has been impossible to get in touch with Mohela by phone ( I have waited hours on the line to speak to a representative to no avail. ) While on the phone, their system constantly refers one to go on their website for assistance, however, I am unable to make requests online, only referred to their " contact us '' page " due to the status of your account. '' A secure message option is displayed on their website, however, I am prohibited from using it with no options presented to proceed or send an email. 
This is unacceptable from an entity that was reporting monthly while I had a balance to go dark for over 3 months once that balance was reduced to {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation