BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, SC XXXX I am also showing an incorrect EMPLOYER of XXXX XXXX that needs to be deleted. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good afternoon Ive reached out to each bureau directly to inform them of Mis information on my credit report. I have requested the original contracts fr the debt collector but they are refusing to follow the guidelines of the fcra accounts XXXX, XXXX, XXXX, XXXX these accounts are not mines and belong tho another consumer I have been affected by the XXXX XXXX breach, I have reached out several times and feel Im being ignored can you please help these inaccuracies are affecting my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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 fraud alerts or security freezes

Complaint:
I have disputed XXXX XXXXXXXX credit card of the maxed out balance XXXX $ and interest it was put on my credit report then TransUnion said they agreed to take it off and I got another notice saying that now it's accurate I talked to XXXX  XXXX it's been in dispute XXXX XXXX 90 days now when I call they say that the credit report will work itself out since when they mailed the card out I notified them I never got it and they clarified to me it had a balance on it I told them someone must have stolen my mail to hen they put it in dispute since I have had XXXX 's and points deducted from my score and when I call I get no answers they act as if they don't even know what I am talking about not I had them admit it was fraud then now it changed up and I'm paying for someone's criminal acts

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 2023-06-28
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:
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX # : XXXX XXXX XXXX  XXXX XXXX : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-26
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  reporting should be removed an block

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XXXX XXXX, 2023, XXXX contacted me stating that someone ( JPMCB ) had looked at my credit report. At the same time, we received an email stating that someone had completed a request for a credit card in my name from the same company. I did not initiate any of this. 

XXXX put us into contact with people from JPMCB. They needed a social security number to find the credit card application, which was filed online. When this was located, they canceled the application. 

XXXX then put an alert on my credit report through XXXX. 

At this time, I do not believe I lost any money. However, it appears my personal info was compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to a Wells Fargo autograph credit card ref XXXX XXXXXXXX XX/XX/2023 I was denied but according to Section 15 of the United States Code ( 15 U.S.C. ) Section 1691 within this title is part of the Equal Credit Opportunity Act ( ECOA ), which aims to prevent discrimination by lenders against credit applicants based on race, color, religion, national origin, sex, marital status, age, or because the receive income from a public assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The only notifications Ive received in the past month about my account with Chase is that theyve gone through my claims individually and have sent me confirmation that they were claimed correctly and the credit given would be permanent. I have received another email from chase executive office on XXXX giving me a case number but I have yet to hear anything after that and they havent responded or answer questions on the phone. This company refuses to treat their customers with any common decency and continue to put my calls on hold and transfer me with no notice and force me to hang up after hours wasted waiting for another agent to answer after being transferred. I just want to know whats going on with my account, when can we close the account, and regain access to the money in the account that was deposited after they restricted/closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of {$900.00} on XX/XX/2023. It was two transactions of {$450.00}. I have requested copies of information that Citibank used to do the investigation and they have not provided me with any. They have sent me a letter that does not pertain to anything that I have requested from them. I contacted citibank on XX/XX/2023 to send me copies of documents they used for my investigation. Instead of doing what I asked for, for the 5th time, the employee had opened another case without my knowledge. Citibank has not been able to provide me with any proof of the investigation because nobody is actually doing their job properly. They refuse to give my money back. I have filed police reports and taken every step to prove that I was scammed but Citibank has continued to be as unhelpful as possible. They have not provided any proof of any investigation. The letter they keep sending ( attached ) even states that I am entitled to that information. They have truly been such a continuous failure as a company. I ask them to send copies of the information used in the investigation and they keep opening a case. I want this issue resolved by people who can actually do their job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: TX
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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: OpenRoad Lending
State: TX
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:
Approx XX/XX/XXXX, I received emails with denials for an application of credit for a vehicle or refinancing a vehicle. One after another they kept coming. I had not applied for credit, so this throw a red flag. Then I start receiving letters for the denial seeing my credit score falls below XXXX based on these inquiries and denials. So, I called XXXX first, they told me they had an credit application for financing or refinancing, whoever they informed me that they received my information from Open Road Lending, not knowing why when I have never given them either permission to nor have I applied for anything dealing with a vehicle or refinancing. Both companies pushed the blame on each other and then finally said they received the information from XXXXXXXX XXXX, which I never gave them either permission or authorization to run or share my credit information and adverse effect my credit score. XXXX XXXX was not willing to provide me any information on how they received my approval to run my credit and why it was shared with XXXX, Open Lending, XXXX XXXX XXXX  without my knowledge. I spoke with a Rep at XXXX XXXX, who was passing on my request or email with the application of this alleged credit application, she said her supervisor 's name was XXXX was going to be the one to provide a email with that requested proof of an application as of XX/XX/XXXX XXXX I still have not received anything from XXXX XXXX XXXX XXXX Open Road Lending or XXXX XXXX giving them approval to access my credit file. They all seem to point to finger at XXXX XXXX who I never gave permission to access my personal information and if so please provide that proof, this is a pure sign of fraud and I would like ALL credit inquiries from each of the companies that illegally obtain my credit information to be REMOVED from ALL three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: AMERICAN EXPRESS COMPANY
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:
your company violate15 USC 1681c-2 : Block of information resulting from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
Under the fair debt collection practices act 15 us 1692 ( b ) ( c ) ( g ) by laws I did not give this collection agency the right to place/furnish anything on my credit report. They are in FDCPA violations, I have a right of protection from disclosing my debt/information to others by law it is the consumer reporting agency resposibility to protect my rights from furnishing my credit report with the following documentation such as Public records, consumer reports, and mainly Fraud Alerts, Consumer Statements, personal statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Exeter Finance Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I financed a car through Exeter finance company XXXX XXXX XXXX XXXX miles Percentage rate 23.11 % Finance charge amount XXXX Amount financed XXXX Amount of at end of term XXXX The itemized account statement shows 4 months of XXXX going toward the principal Each amount going to principal is different XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At some point they said I pd XXXX NEVER did they alert me via Mail or phone they have charged me 5 months with late fees of XXXX I called to get an explanation of this and they talked in circles I asked for management to call me and yet no call ever received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-09
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXXXXXX  Credit Acceptance reported to XXXX that a closed account was opened. This account has been closed since XXXX. They are constantly misreporting facts on payment dates, account status, late status, and my signature was not on the disclosure form. Someone signed a form that wasnt me. Ive reached out to them for accuracy and they have given me a hard time. Constantly on my XXXX and XXXX they willfully and knowingly violate the CFPB and FDCP ACT. They also use XXXX XXXX to report without my consent or disclosure. Credit Acceptance have consistently harassed me through inaccurate consumer reporting Im constantly disputing. After this I will have a attorney take this to court without 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 monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 to the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 



USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.

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 2023-10-18
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Every month I have my loan payments and make them on time. I have already resolved one delinquency because of UAS XXXX. I am on automatic eft for my payments and every month it says I haven't payed one of my loans even though I have payed them on time. Then they try to charge me for two payments the next month. I have emailed them every single month to fix this and they haven't for almost a year. I am also being charged late fees with this transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wrongful charges and overdraft fees

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