BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Consumer Portfolio Services, Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Used vehicle loan XX/XX/2020 Consumer Portfolio Services IncXXXX {$16000.00}, 22.25 % XXXX XXXXXXXX payments totaling {$10000.00} paid to date. Principle paid $ XXXXOnly two payments were late. $ 416 monthly payment applies {$110.00} toward Principle plus a {$14.00} fee to process each payment. Attempting to sell the vehicle to a dealership. Consumer Portfolio Services , Inc. is not cooperating with attempts to obtain the pay-off amount over the past several past months. At least ten attempts were made to request a letter with compounded interest the way the buying company needed. Unable to obtain on letterhead. Unable to get quote modified according to XXXX request. XXXX said they could be reached on Saturday but no one answered the phone. They would not cooperate to do a three-way call. Another company is interested at a lower rate with the same problem of communication. XXXX is the next challenging attempt to sell the vehicle and get out from under the high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed inaccuracies to Experian, and they failed to remove an account from my credit file that does not belong to me. I sent a few letters but they were " updated '' with false unverified information. I wrote Experian regarding the account XXXX XXXX / XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-03
Company: EQUIFAX, INC.
State: TX
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 in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2023-01-18
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:
I have submitted all required documents that indicating it was mistake regarding my late credit card payment Experian report that caused my XXXX XXXX dropped more than XXXX points. The Experian refused to bring my score back to previous level after removal of that record. 

I have contacted the Experian multiple times and filed complaints with different departments of financial services for this matter. Experian intentionally delay processing my request and refused to make change. 

Today I have received the refund check from the XXXX XXXX  indicating their error in my late payment issue and I have attached it for your reference, thanks

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 2023-07-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 at approximately XXXX XXXX  I received a notice from XXXX XXXX  stating that my Lowes card through synchrony bank was closed. I did not close this account. I called synchrony bank and was told they randomly checked my credit on XX/XX/XXXX and decided my credit score wasnt high enough to their standards, and closed my account, which is in good standing, and Ive never made one late payment to them. This is unfair business practice, and they did not have my permission to run my credit on XX/XX/XXXX. Now this closed account is going to affect my overall credit score. This is unacceptable and I need 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 2022-11-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-09-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The statement didn't come in the mail, so I looked up my account and made what I thought was min payment plus some. I was waiting on statement I'm prevented from seeing my statement online since I get them in mail. Since I didn't receive my statement I made payment since every month I make payments. They charged me a XXXX dollar late fee and I didn't know it was due? I look online and always pay what I think is min payment and more but still since I didn't receive my payment I looked online and it told me I had a min payment after the fact. I paid immediately and why I can't look my statement online because I get mail statements is wrong they should let me in immediately and let all see statements online they just are punishing us who want paper statements and in the process pocketing late 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 monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Public record information inaccurate

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Duplicate reporting on all XXXX credit bureau credit report. Since XX/XX/XXXX amt {$970.00} the original creditor charge off and sold the debt to a collection agency on XX/XX/XXXX. Equifax, XXXX, XXXX are reporting the same amount of {$970.00} twice on my credit reports. This is a major issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  XXXX have violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not finish 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 2021-07-22
Company: EQUIFAX, 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:
I have disputed these accounts with the credit bureaus already, but until now I'm still seeing these inaccurate accounts being reported on my credit file and now it badly hurt my ability to obtain credit. I'm certain that my rights as a consumer protected under the law has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: I.C. System, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit score has been affected and constantly penalized by a false delinquent account that doesn't belong to me. It has been constantly reposted every 3 months since XXXX  it has been the only unfixable item affecting my credit score. I have tried to contact the company multiple times, but the only number I have never worked. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a Navy Federal Account in XXXX TX off XXXX XXXX related to personal identifying information XXXX XXXX XXXX XXXX and XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX presented a Fraud Marriage Document related to XXXX XXXX XXXX XXXX TX. and Filed illegal Powers Of Attorneys where acting power XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had my passport book committed Veterans Affairs fraud by stealing my Veterans compensation check over XXXX a month as well as a spouse XXXX and child of XXXX for each. I played no part in this and this is Bank Fraud this was on the bank i asked for the disclosures from the bank to be mailed to XXXX XXXX XXXX XXXX XXXX Tx XXXX all will be disclosed in the Taxes to my undisclosed sources the round bout figures where my net worth is XXXX XXXX dollars and they stole {$650000.00} by transfering to bank cards relating to my social and unprotected name now at the comptrollers office in TX. but i first recognized the payments in XXXX or XXXX in XXXX XXXX. but i opened it in XXXX XX/XX/2021 when i ask the bank close my account in TX it was never closed because of the powers of attorney she had over me acting fraudulently as a spouse worlds dumbest criminal they tripped the FBI by amount they stole but failed to make the most wanted list all this was Bank Fraud in TX and California as well XXXX has a property at XXXX XXXX XXXX XXXX and another down XXXX XXXX which XXXX moved out of please investigate please XXXX mail any findings for my mobile is down or a investigators number to contact for i have cyber stalking to properly keeping me from reporting the full events please take this as a formal report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've been banking with JP Morgan Chase for both Personal ( Account # XXXX ( Who gave me a Private Client Account, and numerous accounts for my two business ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX including a credit card. Other than providing a letter, they've given me no reason as to why. I visited a branch, they told my wife no reason. They have not closed my fianc 's accounts who lives at my home who also has a JP Morgan Private Client Account, however, her name is XXXX XXXX an American name. I just fell I am being discriminated and singled out which is not fair. I've been paying them interest and fees for many years and have never had one negative mark on my mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CORELOGIC INC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
CoreLogic continues to report inaccurate information on my consumer report. This inaccurate reporting is causing me to do business in food faith. 

My name is XXXX XXXX. Remove any other spelling of my name it is not mine. 

My address is XXXX XXXX XXXX XXXX, GA XXXX. Remove any other address it is not mine.

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 2023-04-10
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Account shut down due to " XXXX '' the CSR 's could not elaborate. I'm looking for answers. Where's my XXXX dollar account opening bonus, what was the XXXX reasoning ( too many new accounts, negative comment ) and lastly what will you be placing on my XXXX XXXX for closing reason. I am following up with the CFPB. The manager XXXX in the XXXX branch was the one that terminated my account, but she couldn't elaborate. She gave me the runaround and told me to contact the XXXX number in which they told me to contact the branch manager ( XXXX ). My account had been open for 4 months and I completed the bonus requirements before the date of XX/XX/XXXX when they needed to be completed by. Was locked out of my account last week, and have a letter saying it'll be " fully shutdown '' buy theXX/XX/XXXX. 

I called in today the XX/XX/XXXX This can be linked to the other CFPB dispute I sent the other day. I received new information ( letter and correspondence with a manager )

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