BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a student loan account with DEPT of ED/XXXX account # XXXX. The account on my credit file incorrectly shows XXXX, XXXX and XXXX days late from XX/XX/XXXX to XXXX and XX/XX/XXXX. Under 15 USC 1666B this is a billing error. I have never been late with any payment.

What is the USC code 1666b?

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due 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 2020-08-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
InXX/XX/2020 Due to COVID-19, I requested a Mortgage forbearance to SPS ( select portfolio Servicing ), it was accepted and mortgage payments were extended to XX/XX/2020. Because my job has been affected by Covid 19. OnXX/XX/2020 I contacted SPS and requested to add the 4 months to the principal, the representative told me that I didn't have this option, my only option was a 24 month repayment plan beginningXX/XX/2020. I didn't received any documentation, my wife called the lender in XX/XX/XXXX and she was told that I was not approved yet for the repayment plan. We decided to sold one of our cars to bring the house current, we were in a lot of stress due to this situation. I paid the 4 months inXX/XX/2020, for several days I enter to SPS website and the payment was not applied. My wife called SPS in XX/XX/XXXX and the representative told her that now I was approved for the repayment plan and the payment was applied this way : 2 months for the behind balance and 2 months for the repayment plan. If I paid the full amount behind WHY the lender didn't bring my mortgage payment current???? repayment plan??? We were told I was not approved. why I was not approved??? base on what?? I checked the website today XX/XX/20 and I do not have any new mortgage statement showing how they applied my payment of {$14000.00}, because they need to apply this amount to : principal, interest and escrow and send me my XXXX mortgage statement. I felt that I didn't have any help from them at all and I am still waiting that they applied my payment, this is causing us a lot of stress. Selling a car was not a good option for us, now we will need to buy another one in the future just because our lender didn't help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, 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:
Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct 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  ] ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2023-08-10
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased gift cards from XXXX, and the product was not sold as described since they do not manage prepaid Visa gift cards. XXXX does not accept returns, so they sent me to InComm, who is the provider of the gift cards. I filed a dispute and provided all the documentation necessary to get replacements, but they are stringing along. I was advised this would be a XXXX working day process and called back after the 30 days only to be told they needed additional days. I called today XX/XX/23, and they told me to give them 48 additional hours. At this point, I am out {$400.00} total in gift cards which is not reasonable.

Incomm : Contact : XXXX XXXX Filed Initial Complaint : XX/XX/23 Sent back XXXX Requested Update : XX/XX/23 Kept Calling intermittently Last call XX/XX/23 Before I filed a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 USC 1681. 

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 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 2020-08-14
Company: AR Resources, Inc. (FL)
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX   XXXX  breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I would greatly appreciate someones assistance in this matter. I purchased a XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX XXXX, TX and it was regrettably financed through Chrysler Capital. I have made several attempts since XXXX of XXXX to make contact with Chrysler Capital in regards to the real balance of {$480.00} that they show on my account with them but yet show a balance of {$680.00} on all of the credit reporting agencies. Neither XXXX of the amounts is correct and hasnt been since at least XX/XX/XXXX when Chrysler Capital cashed a check from XXXX XXXX in the amount of {$460.00}, the documentation regarding this check payment was provided to me by XXXX XXXX and is also attached. I recently disputed the Chrysler Capital account on my credit reports again & again it stated that it was valid. I have also attached message documentation that I sent on their account website. I have contacted them several times via phone and their internal messaging system since XX/XX/XXXX, as you will see on the message information that is attached, its the same message, over & over and when I call they always say that they have opened up a ticket and it could take up to XXXX hours for them to do their research. They had me fax over the documentation for Check # XXXX in the amount of {$460.00} from XXXX XXXX that they received and cashed on XX/XX/XXXX. This amount was never applied/posted to my account, they have confirmed that received my fax documentation from XXXX XXXX on XX/XX/XXXX, I have called at least once a week ever since then to be told every week that I call that the tickets were closed and they opened and submitted another XXXX. Look at the messages that I printed, as you will notice, they never called me much less replied to the message but the status is XXXX. Also, the balance that they show on my account right before my car was totaled out in an accident was {$20000.00} but the balance according to Chrysler Capital and my XXXX XXXX XXXX XXXX shows {$20000.00}. I am not sure why but using either XXXX of those balances, they were paid exactly {$20000.00} and I owe them Nothing, I have attached a spreadsheet to show you these numbers and all of the payments that were made to Chrysler Capital. I also attached my Transaction History from my online account, please take notice that all of my payments beginning in XX/XX/XXXX were on time and never late. I will be sending this documentation to all XXXX credit reporting agencies, I also found a Consumer Complaint agency on XXXX  website along with the option to upload this documentation if I did not agree with the Dispute results. I will be sending this to the XXXX XXXX XXXX as well as contacting an Attorney about this matter, this is just flat out ridiculous and they have gotten away with this for almost XXXX years now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have multiple fraudulent and unauthorized inquiries. I have submitted certified letters of disputes and still have not been removed

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 2020-08-14
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I spoke with multiple on the phone to figure out what steps I need to take to trade in my car. They said I needed to let the dealership I was working with take it from there, I traded in vehicle on XXXX XXXX and I had a new loan open. Done deal they were paying off low bill. Next thing you know Im getting calls saying that I never sent my payment and it was Already at the end of XXXX on the XXXX I asked dealer I purchased new vehicle with and they quickly responded they sent the check on the XXXX of XXXX. I need help to resolve this negative impact on my credit which lobel promised they would resolve before closing my account, my credit had dropped to poor levels after this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit has been locked with all three credit bureaus for some time now. I placed locks or freezes on my credit individually with each of the three credit bureaus, Experian, XXXX, XXXX. 

Unfortunately, despite this my credit was accessed by a dental office during a consultation appt. Without my authorization for {$10000.00} line of credit for a XXXX XXXX XXXX  from XXXXXXXX XXXX  on or about XXXX XXXXXXXX XXXX 

This should not have been possible given freezes and/or credit locks were active and enabled with each of all three credit bureaus. Upon my investigation I discovered this had been reported to all of the three credit bureaus and listed on my subsequent credit reports. Both the hard inquiry and active account. 
I immediately initiated disputes with each of the three credit bureaus. Advising that these actions were unauthorized and should had been prevented as active credit freezes and/or credit locks were in place. 
After requesting detailed explanations for this breakdown in security and requesting detailed information related to my dispute and related investigations which lead to the credit bureaus to verify the credit information as accurate. 
All three credit bureaus failed toe provide any information related to how this how credit was accessed, account opened, and then verified as accurate after my disputes. 

This is a gross violation of my basic consumer protection rights and yet another blatant example of giant corporations seemingly ignoring consumer rights and protections. Even when those consumers take an active role to protect their credit from unauthorized use.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I tried at least 9 times to call talk to Transunion about my acct. I have new credit cards and have paid on my accounts on time. My credit scores have stayed at XXXX for the last XXXX months. Every time I call Transuion or go on line they always says there is a problem. I cant get everything done with them. I know checking all the others ones also. I have been denied Credit at my bank and my bank has been working with me trying to get my scores up and to no avail my scores sits at XXXX. Theres a problem and I want it fixed.

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 2021-02-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chase recently reviewed my credit card account and reduced the credit limit to {$2000.00} over the phone. This review was done on XX/XX/XXXX. 

Their reasoning was that my revolving credit account balances were too high based on an XXXX credit report they pulled. I logged onto my XXXX  account and pulled the latest report they have on file. On that file, it mentions that my revolving credit was at 16 % of my overall credit limits on credit card accounts. I escalated this to their management team and they refused to budge or wait for an updated report on their end. I asked them to delay this review for a month so that they could have a more up to date report on their end. In particular, balances on my XXXX XXXX ( from XXXX XXXX ) are highly overstated since they haven't reported last month 's information yet. I made a purchase with the card in XXXX that I cancelled shortly after and the balance on the card now stands at {$210.00}, which is under 30 % of the limit I have for them. 

Even with this overstatement, the credit report lists my credit usage at only 16 %. 
I find this to be predatory behavior. I have made moves to raise my credit score and Chase 's move simply serves to hurt my score based on errant information. I have attached copies of my XXXX  report ( that they used ) along with screen shots of what I see on my XXXX XXXX account ( with the other two credit bureaus ). All three credit bureaus are reporting 15-16 % usage, which is not " high revolving usage '' as Chase claims. 

The reasoning they are using to reduce my credit limit is incorrect. I dispute their assessment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
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 check my credit and i found out that someone has been using my personal information they even bough a car with 2 credit cards and the other account i have no knowledge of im am a victim of identity theft i did not authorize these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, 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:
This Is my XXXX written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX

Company response to consumer: Closed with explanation