BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: In progress
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
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

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 2023-08-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent Inquiries are on my credit report. This is due to identity theft I believe. 

I have already created case at Equifax which is # XXXX for below 5 inquiries. 

XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX - XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX also, there is wrongful Collection account being reported. 
XXXX XXXX XXXX ( XXXX XXXX ) ACCT # XXXX opened on XX/XX/XXXX for {$130.00} Bal.. I don't know of this issue either. 

I am attaching FTC Report, ID, SSN, and utility bill to show current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
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:
OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX Last 4 ssn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/2023 Experian XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Whom It May Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( XXXX, or Experian ) through arbitration. 
Again, I reject the arbitration clause in the ( XXXX, Experian ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions 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 urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress.

Company response to consumer: In progress
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: NY
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 am writing to submit a formal complaint and dispute regarding the inaccurate information reported on my credit report by Experian. I contacted Experian on XX/XX/XXXX to address the following issue, but to date, I have not received any response. I kindly request your intervention and assistance in resolving this credit reporting error. The details of the inaccuracy and the required correction are as follows : Account : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account listed as XXXX  XXXX XXXX does not belong to me. I request that Experian remove this account from my credit report as it is not associated with my financial history or activities.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX  XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

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

Someone needs to hold them accountable for this

Company response to consumer: In progress
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a email from Bank of America about I wasnt approved for a credit card that I never applied for. I then checked my credit report and saw on XX/XX/2023 someone fraudulently took out a card in my name using my SS. I would like to have this looked into because this will affect my credit and I just got off bankruptcy. I want to press charges. Please and thank you. Im afraid that this will happen again since my SS is compromised.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. 

Ive also noticed a list of credit inquiries that I did not authorize and should be blocked from being reported due to it being identity theft, per 15 US 1681C-2. The inquiries are : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally dispute inaccuracies in my credit report related to four closed accounts with DEPT OF ED/XXXX Upon reviewing my credit history, I have identified discrepancies between the reports of XXXX and those of XXXX and Experian. 

XXXX accurately reflects that I was " paid as agreed '' in XX/XX/2017 for the mentioned accounts. However, both XXXX and Experian incorrectly report a 90-day past due status for the same period, which I believe constitutes a significant error and a violation of the Fair Credit Reporting Act ( FCRA ). 

To substantiate my claim, I have enclosed a PDF document containing five pages. These pages highlight pertinent information such as account numbers, open dates, high balances, and detailed payment histories. The mentioned accounts are clearly outlined in the enclosed PDF for your reference. 

Additionally, I have included instructions to facilitate a clear understanding of the reported mistakes. I kindly request an immediate update of the four closed accounts with DEPT OF ED/XXXX on XXXX and Experian to reflect the accurate status of " paid as agreed '' for XX/XX/2017. 

Per the FCRA, I understand that credit reporting agencies are obligated to conduct a thorough investigation within 30 days of receiving a dispute. I anticipate your prompt attention to this matter and request written confirmation of the resolution, along with an updated credit report reflecting the corrections. 

Should you encounter any difficulties verifying the inaccuracy of the reported late payments, I insist on the removal of all four closed accounts from my credit report. 

Thank you for your prompt attention to this matter. I trust that you will address this dispute with the requisite diligence and adherence to the FCRA guidelines.

Company response to consumer: In progress
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I paid in full my statement balance of {$36.00} and then called Chase Customer Service Representative ( CSR ) to close my account. This closed account in XX/XX/XXXX was verified by XXXX credit report. XXXX months later, In XX/XX/XXXX, my already CLOSED Chase credit card account was charged with {$110.00} for XXXX XXXX XXXX XXXX XXXX that I did NOT purchase. Chase processed the {$110.00} to my already closed account. 

My husband who is an XXXX XXXX XXXX asked me to apply for XXXX XXXX XXXX XXXX account as it gives better benefits and services to XXXX XXXX and their dependents. As soon as I closed my Chase credit card account, I placed the Chase credit card in our shredder and got it shredded. Please be advised that the Chase representative confirmed my account has XXXX balance and has been closed. Again, this was documented in XXXX credit history. 

I believe that I am a victim of fraud in this situation and I am not sure and confused as to why Chase processed this fraudulent charge. Then, In XX/XX/XXXX, after the account closure for over two years, I was shocked to receive a collection letter from the XXXX XXXX. I spoke to many Chase CSRs ( ID # XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX but they all failed to help me. CSR ID # XXXX divulged the charge was made in XX/XX/XXXX and provided me with the merchant name and telephone number. To my due diligence, I called the number XXXX provided by the Chase CSR, which was XXXX XXXX XXXX XXXX XXXX. I spoke to an XXXX XXXX XXXX XXXX XXXX representative named XXXX and her investigation revealed there was no record of the charge in XXXX XXXX XXXX XXXX XXXX. Additionally, I also filed a complaint to Federal Trade Commission XXXX with report # XXXX. 

There was no way for me to dispute the fraudulent charge then as it happened since I learned this fraudulent charge two ( 2 ) years passed after I received the collection letter. Chase did not provide me any statement/s ( they have my physical address ) so I am not sure how Chase expected me to know about the charge I did not make. I never visited the online site XX/XX/XXXX, the official closure of my account ( reflected in my XXXX report ). 

I really do appreciate your time and please give me guidance on how to proceed with this fraudulent charge. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: In progress
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent in a request to remove a bankruptcy placed on my account that was not provided by the company. I provided proof from the courts stating they don't report this and still verified it as accurate with no proof of who is saying this is valid by the company.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I have already disputed these items with the bureaus, but they did not remove them, In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. nor prove validation. 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 response to consumer: In progress
Consumer complaint received 2015-09-10
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage bought my loan from XXXX XXXX XXXX in XXXX # XXXX First Mortgage in the amount of Approx. {$460000.00} I had obtained this loan directly from XXXX in XXXX. I have been in a Chapter XXXX Bankruptcy since XXXX. case # XXXX XXXX XXXX, CA. In order to get a discharge in XXXX I obtained a 2nd Mortgage in XXXX and paid off all my creditors. As a part of my discharge I paid Nationstar Mortgage XXXX advance Mortgage payments of {$1700.00} which were the remaining XXXX payments in the Plan. I duly obtained the discharge and it was entered on XXXX/XXXX/XXXX as there was a XXXX day wait per the Trustee 's lawyer. 
I have since written to NationStar Mortgage, Called them several time and asked for a receipt of these payments, a mortgage statement showing the next due date of XXXX/XXXX/XXXX. They have not complied in ANY WAY, instead they sent me a copy of the note and collateral agreement showing that they own the loan. Every time I call I get a different and more confused phone representative, I was told that by XXXX/XXXX/XXXX my loan would be removed from the BK Department and would be put back into a normal loan servicing mode as it should be. I was also advised on XXXX/XXXX/XXXX that a Mortgage Statement was forthcoming and the excess amount of {$1700.00} ( Suspense ) in my account will be applied to my XXXX/XXXX/XXXX payment. The excess is due to the Trustee making an extra payment during the XXXX months that they handled my case. 
I contacted XXXX XXXX attorney at XXXX XXXX who claims to represent NationStar Mortgage and told him that I was not getting any cooperation or compliance from his client NationStar Mortgage, he said he would contact them, correspondence is attached. Today I called and spoke with another Customer Service Rep at NationStar Mortgage- XXXX in XXXX , AZ . She said all that I was told was incorrect- she said once an account is put in BK it is never removed and all correspondence is stopped to the borrower, so, I will never get a receipt or anything that I have asked for, when I told her that was incorrect she said " you want to speak with a manager? " I said yes, she transferred me to someone 's Voice Mail and I did not even get their name- just a message stating- Have a Good Day. As you can see despite paying them {$8600.00} and having {$1700.00} in my suspense account, they will not cooperate and hence my complaint. 
I have another issue that I will file a separate complaint on- NationStar Mortgage has sent me XXXX different Form 1098 showing the Mortgage Interest paid for XXXX, all of them are wrong. They have refused to correct that document by telling me that it is correct already.

Company response to consumer: Closed
Consumer complaint received 2021-05-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am back a few hundred dollars on my American Express bill. Like XXXX bucks. I make payments every month just not the minimum. They have called and harassed me daily and have called 4 other members of my family for whom no information has been given to them on their numbers. They called landlines and cellphones of these family members stating why they were looking for and giving up personal information about my account. No one else is on that account but me. The supervisor apologized and claimed they had no idea they have 15 people on one account. Then called me and said they couldn't tell me anything until I varified my name..but have called other members in my family to talk about my business. It's happened now multiple times for each person. Not once, like 3 or 4 times each person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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