BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
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:
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 non-monetary relief
Consumer complaint received 2020-06-06
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$840.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 explanation
Consumer complaint received 2021-06-01
Company: JPMORGAN CHASE & CO.
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:
Chase is cross referencing my name with a XXXX XXXX formerly XXXX. I have a Chase credit card with them and the other XXXX XXXX has an auto loan. On the Chase application I see her auto loan along with my credit card account and the account name references XXXX XXXX not XXXX XXXX XXXX. Ive reached them multiple times and have done nothing. This has caused other of XXXX XXXX debt to come to my credit reports. I was able to dispute that with credit bureaus but I am afraid that they will keep associating me with this person. Please have Chase and credit bureau from cross-referencing me with this XXXX XXXX. Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures.

This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by XXXX XXXX XXXX XXXX XXXX someone accessed my info it was stopped the the Black market Website Surveillance from my Bank. 

I also filed a FTC Report. Transunion File # XXXX The XXXX unauthorized Hard Inquiries are listed below. 

I even have freezes and fraud alerts on there and not sure how it still got on there. As i will show u documentation that it was blocked originally Duplicate Hard Inquiries : 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 2020-06-12
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A collection ageny continues to call my phone to reach my husband, XXXX XXXX. 
I have called them back several times and asked what company they are with and they told me that they are XXXX XXXX XXXX, a freelance company. 
I explained to them that my husband is in the hospital  due to a XXXX XXXX  and is unable to communicate at this time. 
They told me that the debt is owed to CashNet USA and in the amount of {$3000.00}. 
I let them know that I would have to verify the debt with my husband ( I currently communicate with him on a dry erase board, I explained this to them as well ). 
After I told them this, the lady I was speaking to named XXXX XXXX told me that was OK and she would make a note on the account and they would possibly have hardship options available. 
I received XXXX more calls and voicemails the following day threatening legal action and that they had a locate placed on my husband. 
I called them back and explained to them that I just spoke to someone the previous day regarding the debt and wanted to find out about getting on a payment arrangement since I am the only one working at this time. 
I let them know that I could pay {$85.00} per month on the balance until paid in full.. 
The gentleman I was talking to put me on hold so he could reach out to his " finance manager '' and he came back to the line and said that will not be an acceptable amount and refused to set me up on a pay arrangement after I asked twice. 
I told him I was going to explore other options since they are refusing payment and I let him know I would be disconnecting the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: VA
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 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 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hi, I am currently on unemployment. I received my benefit for 2 weeks yesterday. Somehow someone up in XXXX XXXX withdrew {$760.00} from my EDD card at an ATM, which means there is a duplicate card. I made the report and they are doing an investigation, however the {$760.00} that was stolen will not be replaced for 45-90 days. My rent is due XX/XX/XXXX, as I tried to explain. Bank of America said there was nothing they can do. I am trying to secure a loan to pay for my room, but there is a good chance I will be homeless, through no fault of my own, because EDD and Bank of America have been compromised. It dose make a lot of sense to me why they cant do direct deposit is beyond me, it would have ensured this problem and a {$760.00} loss would have never occurred. If there is anything you can do to help expedite the replacement of my unemployment benefit it would be greatly appreciated. Best Regards. The date of the withdrawal was 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 2020-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These are misinformation that you guys keep on reporting to my credit report. I am tired and sick of it. I've contact you guys multiple times about the same issue and no change.

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 2023-05-30
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from LightStream on XX/XX/2023 and also from XXXX on XX/XX/2023. On my XXXX credit report, there is a hard inquiry from XXXX XXXX XXXX, on XX/XX/2023. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/2023. I called the company on my XXXX report on XX/XX/2023 to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 a letter was sent disputing the inaccurate and incomplete information on my consumer report i was never notified about the investigation SEE attachment

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 2020-06-12
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: Account status incorrect

Complaint:
Early in XXXX I received a notification from XXXX XXXX   asking if I had closed a account with XXXX XXXXXXXX, I had not. They filed for bankruptcy and they are having to close most of their stores. I disputed it and after " resolution '' I am still down XXXX points on my credit score from this, which took me from a good standing to a mediocre XXXX. I have now been in contact with XXXX XXXX the past few days and they are giving me the run around. On their website it shows no where that my account is closed and would still let me change my credit limit on it if I wanted to. They could not verify that my account was closed or why it would be closed or literally tell me anything. Each time a different no name person responds with answers that do not answer anything. I asked them why my account was closed and inquired as to why I never received anything in the mail, any notification on their website in their notification center, or received anything to my email ( which they are still currently sending me emails for their huge sales on clothes they are trying to get rid of ). When i opened this card it never had to be continuously used, I did not have a outstanding balance, I never payed late, I never had a single negative mark on that 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 explanation
Consumer complaint received 2023-03-12
Company: Commercial Acceptance Company
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I submitted the original complaint against Commercial acceptance company, they admitted fault and agreed to remove the erroneous, unvalidated debt which had violated my rights, and sent a letter to remove the listings from all of my credit files. On XXXX!! XXXX, I was notified that the debt was placed on my XXXX XXXX, and reinserted on my XXXX which they failed to notify me of the reinseration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent " MERCHANTS CREDIT GUIDE '' collection company a Debt Validation letter under section 809 under the FCRA. They responded by sending me my personal medical information from three different alleged bills. This information included my personal medical information which makes this is a HIPPA violation, and I intended to sue for every dime if these 3 accounts aren't removed from my credit report ASAP! I have well documented all of my correspondence ; the letter I've sent to Merchants Credit Guide Co, received response from Merchants Credit Guide Co, I have everything to prove in court without a reasonable doubt proving that my rights have under the FCRA have been violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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:
Late payments are being reported on my credit report which is illegal. I am unable to get a home loan because of this, remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I think you're company have violated the FCRA law for not handling my situations properly, I sent you a dispute letter regarding the inaccuracies and errors on my report but its been over a month, and those accounts are still on my report pulling down my scores. I'm filing a complaint not only on CFPB but only with Atty General this time

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 2023-03-16
Company: DISCOVER BANK
State: GA
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:
In XX/XX/XXXX I lost my job due to the pandemic and was unable to make payments to my credit card. My credit card was never late until XXXXXXXX XXXX XXXX and it was late for 3 consecutive months. My credit card was closed out XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one thirty day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX ( letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it ( XXXX  XXXX XXXX ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.

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 2020-06-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
due to the fact that i have limited internet connection and access to a computer i am asking Bayview and XXXX to send copies of their responses via US mail. i included an email address in my complaint thinking it would make it easier, if Bayview and XXXX can make a note to send a hard copy in their file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information that is being reported on my credit report. I am specifically referring to the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX CXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX Collection Account 8. U.S. Bankruptcy Court XXXX 9. U.S. Bankruptcy Court XXXX  10. US DIST CT XXXX 11. US DIST CT 1XXXX  I believe that the information being reported on my credit report is inaccurate and is damaging my credit score. I have reviewed my records and have found that there are discrepancies in the information being reported by the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am therefore requesting that you investigate the information being reported by the credit bureaus and correct any errors that you find. 

I would also like to remind you that under the FCRA, you have 30 days to investigate and respond to my dispute. If you do not respond within 30 days, I will assume that you have accepted my dispute and have made the necessary corrections. 

I am very concerned about the impact that this negative information is having on my credit score. It has made it difficult for me to obtain credit and has caused me a great deal of stress and anxiety. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, 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