BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: AR
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 Account number XXXX, XXXXXXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX, US DEPT OF EDXXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, has violated my rights as follows 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 which I have NOT provided. 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 explanation
Consumer complaint received 2022-07-05
Company: MORTGAGE SOLUTIONS OF COLORADO
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to XXXX XXXX by mortgage solutions of Colorado. However we werent told who to make payments too until XXXX and the loan was sold in XXXX. As soon as I found out who to make the payments too I sent both payments at one time to catch it up. Now it is showing on my credit as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: CA
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 was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: BMW Financial Services NA, LLC
State: TX
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:
On XX/XX/2022 I was looking to buy a car from BMW XXXX XXXX XXXX. I had already had a pre-approval through my bank XXXX XXXX. I was told all I had to do was give the dealership my reference number from my pre-approval and everything should go smoothly. For the car I was buying Sales XXXX XXXX XXXX assisting me and I told him that everything is all set and ready to go all he had to do was call XXXX XXXX and give them my reference number and I told him I was approved for up to {$47000.00}. He asked me to file out the application I said okay but please only send to XXXX XXXX Only. He asked if it was possible that they could get me a better deal was okay and I told him no I only wanted my credit ran through my bank since I am already pre-approved. My mother was in attendance on the call and heard me say that. I also have text messages and email to back this up. Later that day XXXX XXXX XXXX gave me a call stating they where still trying to work things out with XXXX XXXXXXXX and I asked for clarification and what they approved me for and all he replied was well thats what I am working on. Then hung the phone up after. The very next day I wake up to credit alerts from XXXX XXXX stating that my credit in total have been pulled more then XXXX times from different lenders I never asked for loans from. I called back up to BMW and sent a email stating I would like to know what on Earth happened as I did not authorize or approved them to reach out to these other lenders. I only want to use XXXX XXXX. Once I finally got in contact with XXXX XXXX XXXX he begin to talk to me rude and down on me stating Well Capital One said they will not approve you for {$47000.00}. I asked well what did they approve me for and he told me {$40000.00} and well if you want the car, youll have to put XXXX down. Do you have XXXX to put down?. I ignored his comment and asked why do you have my credit pulled with other lenders I never gave you permission to send to and he said well you werent approved with XXXX XXXX. So I called XXXX XXXX and spoke with them and I turns out BMW never used my reference number and just sent XXXX XXXXXXXX a new application instead. They denied the new application because I was already approved for XXXX. When I called the other lenders to get them to dispute their inquiries and file a complaint about BMW I was told I would have to call back the dealership since they are the ones that requested it. I called XXXX XXXX XXXX and told him I have proof and a paper trail that I never asked him to send my information to those other lenders he said no we can not do that its already done oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: AMERICAN EXPRESS COMPANY
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I recently filed a chapter XXXX Bankruptcy on X/XX/2017. After American Express was informed of the filing they disputed all the charges that I have made 6 months leading up to the filing. These charges range from gas station purchases, dining, utilities etc. I called and tried to speak to AMEX about the issue and no one wants to assist or help me. This practice is unlawful and I need to know what to do in order to resolve this matter ASAP. My internet, cable, and cellphone have been disconnected and the accounts are pending disconnection. Can someone reach out to American Express on my behalf and have them retract these disputed charges that has been wrongfully executed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX By : Senators XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX and others AS PASSED SENATE A BILL TO BE 7 BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA : 1 To amend Chapter 1 of Title 10 of the Official Code of Georgia Annotated, relating to selling 2 and other trade practices, so as to provide for certain disclosures by third-party high-volume 3 sellers of consumer products on online marketplaces ; to provide for definitions ; to require 4 online marketplaces to provide certain notifications and a consumer reporting mechanism ; 5 to provide for civil remedies ; to provide for a short title ; to provide for related matters ; to 6 provide for an effective date ; to repeal conflicting laws ; and for other purposes. I have never acquired debt with the following/ Have never received a call or letter from agency @ this time they are presented violation of the bill passed and FDCPA OF 1973 XXXX XXXX-XXXX XXXX XXXX {$2200.00} WAS BOUGHT TO MY ATTENTION AFTER RECEIVING A FREE CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid as agreed to whom debt belongs to purchase and reported on credit without my knowledge or consent reported to credit in error SECTION 1. 9 This Act shall be known and may be cited as the " Inform Consumers Act. '' Nothing about the reporting of these accounts are FAIR and ACCURATE! I do not have faith in the vital role you have in assembling my consumer report due to your willful noncompliance and negligence.

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 2021-08-23
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
There is an account with XXXX XXXX XXXXXXXX XXXX that continuously reports on my Equifax report and it's a very old account and should not be listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
INCORRECT FRAUDULENT INFORMATION ON MY REPORT Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information Did not consent to unauthorized inquiry 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

COMPANYS IN VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-01-15
Company: Selene Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : I am writing to submit a complaint regarding Selene Finance. I do not have a mortgage through this company but I did assist a neighbor in a problem he was having. Selene has a customer service phone number ( XXXX ). When you call and press 2 for Spanish there is a prerecorded message that plays and then abruptly stops so Spanish speaking callers are not able to proceed with their calls! There is an option to press 1 if you are having financial difficulty and it will connect you with a representative, but even if you press option 1 it does not do so. And then if you continue with the call to see about other options the message ends abruptly. I alerted a customer service representative to this and she said she would 'make a note in the file ' of the consumer I was helping. This is a problem when calling from multiple different phone numbers and has not been resolved since it was brought to their attention on XX/XX/22. Please investigate immediately as this is a barrier to Spanish speaking individuals being able to access such an important service!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
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 Account # 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 an 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 non-monetary relief
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have 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 explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account # 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 an 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 non-monetary relief
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase bank has a feature that is supposed to alert you via text, email and/or push notification if your balance drops below a certain dollar amount or if overdraft your account. This is, in theory, a good feature. In practice, Chase routinely fails to send these notifications. Other times, they send them after they've collected any overdraft fees. On multiple occassions between XX/XX/XXXX I have had balances dip below a certain threshold and not receive any notifications on two different accounts. In one instance, a notification came after they charged for multiple overdrafts, that were processed after the cutoff time for new deposits.

This is not by any means a new problem, I have been dealing with this issue since at least 2019. After multiple lengthy exchanges with customer service representatives I have gotten some of these fees refunded. Other times they have steadfastly refused.

In my experience, it appears Chase is deliberately withholding or delaying notifications from customers in order to extract fees from their customers. I, as a customer, have tried to alert them to this problem on multiple occasions, but they have yet to correct it.

This is a service Chase markets and advises its customers to sign up for to avoid overdraft fees, but they are not actually sending out these notifications.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XX/XX/2023 The Credit Bureaus stated Accounts, XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is that possible if the open date is innaccurate, the date last active is inaccurate including last reported date is not accurate. I have verified the reports on these accounts and everything highlighted is not matching each credit bureaus. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: PA
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:
The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They DID NOT do this.

Also, they have violated my rights even more In accordance with Fair Credit Reporting, EVERYTHING has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and/or date last reported is not accurate. This is GROUND for removal.

They also violated the law because according to 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 an account without my written instructions I did not give anybody 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