BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been having issues using my Experian account to review my 3 credit bureaus. I pay a fee monthly for the service. Every time I try to refresh my information, I get the message it is unable to verify information with XXXX because it may have different information.

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 2022-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Bank of America Credit Card with a balance of {$2500.00} and a monthly payment of {$89.00}. I have had to call 4 times in the past 4 months because of higher interest fees being charged. 
For example, I have been making at least two payments each month which equals to more than twice of my payment. In XX/XX/2023 I made a payment of {$250.00}, then another payment of {$100.00}, both in the same month. When I received my statement the {$250.00} payment was not acknowledged, I had to call and then I was told by the clerk that yes, he is seeing the payment but he thinks the previous clerk made a mistake and he would correct it, then in XX/XX/2023, I made a {$100.00} on the XXXX and on the XXXX I made another {$100.00} payment, yet I checked my account today and was charged {$63.00} in interest. 

I had to call again, the first clerk that responded to my call indicated to that she does not know why I was charged interest for 2 months when I paid over the above required payment and that the payments were made on time and before the due date. She then said that she could not refunded me the extra interest charge immediately but will contact a supervisor. The Supervisor came on the phone after 25 minutes and said to me that as long as I do not pay the loan in full, they will continue to charge me the high interest even if I am paying more than the required amount and on time. 
I explained to her ( XXXX ) that I was frustrated that I was being taken advantage of and was going to contact your office.

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 2022-10-05
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: OH
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:
Every year something was reported on my credit and not having my consent. I never instructed them to furnish this report, to create this report in the first place. 15usc1681a ( 3 ) 15usc1681a ( 4 ) 15usc1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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: Information belongs to someone else

Complaint:
FTC Violations Never lived at the following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX OAK XXXX XXXX XXXX, TX XXXX XXXX {$920.00} XXXX {$460.00} XXXX {$2200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3200.00} XXXX CARD {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$740.00} Inquiries : XXXX XXXX BANK XXXX XXXX RENT

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 2021-07-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a updated request on a dispute I filed with my credit bureau XXXX XXXX  XXXX in regards to a debt collection from XXXX. I attested that the debt was not correct and the information provided could not be verified due to multiple reasons. I have made several attempts to contact the debt collector entity ( ARS Acc Resolutions ) to provide more detail in regards to the case and unfortunately all attempts were unsuccessful. On XX/XX/XXXX XXXX has decided to closed the dispute and claims that the debt has been verified and accurate. As stated in the recommendations in the following of the dispute. I have made an additional two attempts to contact ARS solutions and on both attempts the representative disconnected the call and placed me on hold for the third attempt. I am completely unsure of how to get any additional information in regards to the status of this case and would just like any further information before submitting any payments.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX  Inquired on XX/XX/2023 2023

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 2023-09-04
Company: Experian Information Solutions Inc.
State: NJ
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 am writing to file a complaint regarding Experian 's handling of incorrect information on my credit report. On XX/XX/XXXX, I initially contacted Experian to address the following inaccuracies on my credit report. Despite my initial contact, Experian has not responded to date. Below, you will find the details of the inaccurate information and the necessary corrections : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$7000.00} The account listed above was never late. Please correct/update this inaccurate information on my credit report. 


Account Information : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$89000.00} The account listed above was never late. Please correct/update this inaccurate information on my credit report.

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 2020-03-15
Company: ERC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted ERC XX/XX/XXXX for debt verification after inaccurate information appeared on my XXXX  credit report. I informed them that I lived in XXXX and that I was unaware of the debt nor had I received written communication regarding the debt. I informed ERC that I was willing to pay the debt if the item was deleted from my credit report to which they refused several times. I spoke with 3 different supervisors XX/XX/XXXX and XX/XX/XXXX all of which refused to remove the inaccurate information from my credit report. 

I contacted the original creditor XXXX XXXX XXXX to inquire about the debt. I was informed of the balance owed and date of first delinquency. The information reported on my XXXX report from ERC is time barred since the date of first delinquency with the original creditor is XX/XX/XXXX. ERC is reporting a date of first delinquency of XX/XX/XXXX and a removal date of XX/XX/XXXX which is inaccurate. Furthermore I never received written communication from XXXX XXXX XXXX nor ERC that a debt was owed and thus was unable to rectify nor dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NATIONAL CREDIT SYSTEMS is attempting to collect a debt from us of {$28000.00} on behalf of XXXX XXXX XXXX. XXXX lost several attempts to sue us in court and is attempting to use NCS to try and damage my credit report. I disputed the collection which is now on my credit report. I had my attorneys send them letters to not place a collection until fully verified that they had the authority to do so, which they never provided truthful and accurate information. XXXX XXXX   XXXX  is providing them false records. We do not owe XXXX XXXX to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I've currently reached out to Transunion multiple times about my report and inquiries that weren't made by me. I've spoken to them more than XXXX times to get the issues resolved. I've mailed the police report at least 6 times and every time I've spoken to them, they've never received it. I sent by usps mail with tracking number. 

XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX 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 2023-09-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was told by credit acceptance that my auto loan didn't report on my credit due to a dispute they received from Experian on XX/XX/2022 in allegations of fraud which has not been proven legally be either parties and by law credit acceptance is legally required to report my paid in full auto loan on my report

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 2019-01-07
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
MY HUSBAND AND I HAVE MADE PAYMENT ARRANGEMENTS WITH CREDIT ACCEPTANCE REGARDING OUR CAR LOAN ON XX/XX/XXXX. WE SPOKE WITH A SUPERVISOR AND EXPLAINED THAT DUE TO UNEXPECTED MEDICAL EXPENSES WE FELL BEHIND IN PAYMENTS. WE ARRANGED TO PAY {$470.00} ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. PAYMENTS FOR XX/XX/XXXX AND XX/XX/XXXX HAVE BEEN PAID. THE XX/XX/XXXX PAYMENT IS SCHEDULED. WE HAVE FOLLOWED THROUGH WITH OUR PROMISE TO PAY. WE ARE BOTH ON SOCIAL SECURITY XXXX AND PAYMENTS WERE SCHEDULED FOR THE DATES OF OUR CHECKS. WE HAVE CONTACTED CREDIT ACCEPTANCE AND SENT IN WRITING AND EMAIL TO CEASE AND DESIST FROM THEIR EXCESSIVE CALLING. IN 3 HOURS WE RECEIVED 11 CALLS. WE WERE TOLD THAT THERE ARE NO NOTES ON OUR ACCOUNT RE : PAYMENT ARRANGEMENTS. WE GAVE THE CUSTOMER SERVICE REP. THE CONFIRMATION # WE WERE GIVEN BY THE INITIAL SUPERVISOR WE MADE THE ARRANGEMENTS WITH. I FULLY UNDERSTAND THAT IF THE PAYMENTS WEREN'T MADE-THEY HAVE A RIGHT TO CALL US, BUT WE WERE TOLD THAT THE HARASSING CALLS WOULD STOP. THEY HAVEN'T. THEY CONTINUE TO CALL. PLEASE HELP.

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 2021-07-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XX/XX/XXXXPlease delete these accounts ASAP.

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 2022-03-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX. Chase fraud prevent contacted me by text message indicating a suspicious charge to XXXX XXXX in the amount of {$870.00} and asked if I made the charge. I replied that I did not. This indicated that they would not charge me and that they would cancel the card and send me a new one. They did cancel the card and send me a new one, but the charge still appeared on my next ( XXXX ) statement. I called customer service and they said they would remove the charge. It was credited on the XXXX statement. XX/XX/XXXX I got a letter from the fraud department indicating that my claim was denied because I had " received benefit from this transaction ''. I called the fraud line again to dispute it and they said they would reopen the case. They also indicated that XXXX XXXX had provided evidence that someone had provided sufficient information to validate the charge. I don't have their exact working on that. They did reopen the case, but a few weeks later ( XX/XX/XXXX ) I received another letter that the fraud case was denied for the same reason and that I would be charged the {$870.00}. 

Here is the complete text message exchange from XX/XX/XXXX. 

Chase XXXX  : We declined {$870.00} with card ending XXXX at XXXX XXXX XXXX XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your card and send you a new one. Msg & data rates may apply. 

Reply : No Response : Thank you. We will close your card and send you a new one. If you recognize all other charges, you don't need to do anything else. If you see other charges that aren't yours, please call us using the number on the back of your card from XXXX to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Nelnet, 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:
XXXX XXXX XXXX has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX and XXXX has not ceased in their action to report factual information on my credit report. 
Experian, XXXX and XXXX, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With Experian XXXX and XXXX These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Experian XXXX and XXXX, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed 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 explanation