BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: LA
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:
On XXXX and XX/XX/2022, In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. 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.

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 2023-07-22
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:
Dear CFPB, I hope this message finds you well. I am reaching out to you again to inform you about a situation I have been facing with my Experian credit report and to request your assistance in resolving this issue. 

On XX/XX/2023, I filed a complaint with the number XXXX, expressing my concern about the sudden drop in my credit score during that month. Upon careful review of my Experian credit report, I noticed that two XXXX credit card accounts were added, which do not belong to me and are not related to my financial history in any way. The names and addresses associated with these accounts do not match mine, leading me to suspect that this may be a case of identity theft or an error in my Experian credit report. 

To support my suspicion, I attached an identity theft report to the complaint I submitted to you. However, to date, Experian has only removed one of the two accounts I reported as unrecognized and not belonging to me. The account that remains on my report is as follows : Account Name : XXXX XXXX Account Number : XXXX Balance : {$10000.00} I am writing to you because this situation is having a negative impact on my financial standing. I am planning to apply for a mortgage loan to purchase my primary residence, and this erroneous information on my Experian report is hindering my ability to secure the loan I need. I would like to emphasize that I have always been financially responsible, and both XXXX and XXXX can verify my history of timely payments and good credit reputation. 

Therefore, I request the removal of this inaccurate account from my Experian credit report. According to the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC Section 1681i, I have the right to request the correction and removal of these errors from my credit report to ensure the accuracy and truthfulness of the information provided by credit reporting agencies. 

That is why I am reaching out to the Consumer Financial Protection Bureau, hoping that you can investigate and mediate in this matter to ensure my credit report is corrected promptly and accurately. I sincerely appreciate your prompt intervention in this matter and your support in ensuring that my credit history is restored with the correct information. 

Enclosed with this letter, you will find copies of relevant documents supporting my complaint, including the identity theft report I submitted. 

Thank you for your attention to this matter, and I trust that, with the assistance of CFPB, a fair and satisfactory resolution will be achieved.

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 2023-08-24
Company: EQUIFAX, INC.
State: NY
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.3K open end consumer credit plan as late for a purpose.

Please remove before this is illegal and I feel my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and recognized an unauthorized inquiry reporting

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct erroneous reporting in the file listed on my credit reports. 
XXXX XXXX XXXX Balance Owed : {$15000.00}.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00}

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-20
Company: JPMORGAN CHASE & CO.
State: FL
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:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Upon arriving home after a month of traveling, I found a notice from the XXXX XXXX XXXX XXXX congratulating me on the {$27000.00} loan I took out. I thought it a joke or some marketing scam and threw out the notice. A few days later I received a " Payment Book '' from XXXX for 36 months of payments at {$890.00}. This was surprising and I called the company to find out what they were doing and why this was happening. I DID NOT take out such a loan. They claimed they understood there had been a fraud situation and I received the only digital communication they have so far offered acknowledging our communication ( this was on XX/XX/XXXX ). Somewhere in the phone conversation I had a representative acknowledged that they had caught and stopped this transaction prior to my communication with them. It seemed the problem would be resolved shortly. 

It wasn't. I began receiving late payment notices 6 weeks later and continue to receive them. Needless to say this is having an impact on my credit rating. I spoke to company representatives nearly a month ago and they acknowledged my past communications and claimed their fraud unit would get things taken care of in 30 days. I noted that I was told that nearly two months prior and asked to speak to fraud staff. I got the run around on several requests. Furthermore, I asked why I could not receive something in writing regarding the problem and an acknowledgement and apology from the company for their error in issuing a loan under my name fraudulently. I also asked specifically for an explanation of how all of this transpired since I was never contacted about said loan. They gave me no satisfactory explanation, nor did they issue an email or letter acknowledging the problem they had created for me. I know nothing about the legitimacy of the XXXX XXXX XXXX XXXX, however, they have not been forthcoming or communicative about a problem they created due lack of checks and balances in their system and it is now a problem for me that I have spent far too much time trying to handle.

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 2023-09-08
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing to file a formal complaint against American Express National Bank ( hereinafter referred to as " American Express '' or " the Bank '' ) regarding their continuous and deliberate breach of our arbitration agreement over the past ten months. Despite our clear contractual agreement to resolve disputes through arbitration, American Express has failed to participate in or pay for the arbitration process, thereby violating the terms we mutually accepted. 

The arbitration agreement in question is detailed in our contract and it explicitly mandates that any disputes or claims between the parties should be resolved through arbitration as the exclusive method of dispute resolution. The agreement also specifies that American Express is responsible for covering the costs associated with the arbitration process. I paid my share of the filing fee and complied with my duties under the arbitration agreement. 

However, since XXXX of 2023 when I initiated the arbitration process to address a dispute, American Express has consistently neglected its obligations. To outline the chronology of events : In XXXX of 2023, I formally initiated the arbitration process via JAMS in accordance with our agreement. 
Despite multiple reminders and requests for American Express to participate, they have neither engaged in the arbitration proceedings nor fulfilled their financial obligations for the process. 
This situation has persisted for the past ten months, during which time American Express has failed to cooperate or make any effort to resolve the dispute through arbitration. 
This breach of our arbitration agreement by American Express is not only in direct violation of our contractual arrangement but also undermines the principle of fair and efficient dispute resolution. I have made every attempt to engage with American Express and seek a resolution through the agreed-upon arbitration process, but their persistent non-compliance has left me with no other recourse but to seek your intervention. 

I kindly request that the regulatory body investigate this matter thoroughly and take appropriate action to compel American Express to comply with our arbitration agreement. Additionally, I seek your assistance in ensuring that American Express reimburses me for any expenses incurred as a result of their non-compliance with the arbitration process. 

I understand the importance of regulatory bodies in ensuring that financial institutions adhere to their contractual obligations and the laws that govern their conduct. I trust that your intervention will help resolve this matter promptly and fairly. 

Please let me know the steps I should take to assist in your investigation and provide any additional information required to facilitate a resolution. 

Thank you for your attention to this matter, and I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: JPMORGAN CHASE & CO.
State: NY
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 DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. JPMCB - AUTO FINANCE XXXX has been reporting late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB - AUTO FINANCE customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXXXXXX XXXX have notice some unauthorized increase appearing on my credit reports. 


I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXin Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/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 2023-09-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX  sent me a statement that my mortgage was going from XXXX to XXXX due to my escrow being short XXXX ( my loan payment per the contact is XXXX ) they have already collect that amount and still want XXXX and will not return my payment to normal which is the original letter they sent me stated. They are being unethical and i just want them collect my money and return my payment to normal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I can't tell you how many times I've called chime it's just about every other day I looked at my phone today I got 147 phone calls to chime in two and a half months I mean I shouldn't have to call a company that much to help me and they don't ever almost almost never help me something's got to be done about this company and the management and protocols and their IT system everything is messed up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: MI
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:
Equifax ; has the same car loan posted twice, from XXXX XXXX XXXX, the Credit Union posted the same loan twice with different dates and amounts owed. Both loan posting for the same car are over XXXX XXXX XXXX, the Credit Union changed the date and amounts and reporting times to keep loans posted on my report and Equifax after 4 disputes still has not removed both posting from my credit report. 

( XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Michigan XXXX - XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I submitted a dispute into Equifax reporting unreported/unverified information on my public record on XX/XX/XXXX  meaning that Equifax 's deadline to respond was XX/XX/XXXX  but Equifax did not respond until XX/XX/. This is a violation and as a result these items must be removed per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have sent 2 certified letters to this company disputing there there claim that I owe {$580.00} to XXXX. I have asked for validation in this matter and have not received or been provided any proof or validation to their claim1 They have unlawfully reported this to the credit bureau 's which has significantly impacted my credit score. They have violated the Fair Debt Collection Practices Act. I am demanding that this fraudulent act be handled by your agency as soon as possible! 
Thank You, 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