BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting late payment for XXXX, Transunion, And XXXX! Multiple disputes have been sent in to them with no update - no investigation and no replies back from company XXXX credit bureau. Inaccurate information is affecting my ability to obtain credit! Violation of 15 U.S.C 1681G XXXX XXXX  Bankruptcy with XXXX XXXX XXXX - Inaccurate reporting! This account is showing two different dates that a bankruptcy was filed/reported. It is also showing inaccurate reporting with the court it was " filed with ''. Bankruptcy on a persons consumers report is a Violation of title 15 USC 168 - right to privacy. Despite 9 written letters to the credit Bureau 's - this account is still reporting inaccurately affecting my ability to obtain credit. 

XXXX XXXX XXXX XXXX Reporting for XXXX XXXX XXXX- was included in bankruptcy - reporting inaccurate information - open date is wrong - credit limit is wrong - payment status is incorrect - reporting date is wrong - active date is wrong - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. I've sent out 9 Dispute letters with nothing resolved! 

XXXX XXXX - XXXX & XXXX - Reporting incorrect information! Open date = wrong. Account type is showing different details for both credit Bureau 's. High credit is incorrect and has two different numbers. Credit limit is inaccurate and showing two different numberes. No proof of investigation despite 9 letters to credit Bureau 's. This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX - XXXX XXXX XXXX - This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. On top of that - Credit limit is inaccurate - payment status is inaccurate - and active date is inaccurate. 

XXXX - XXXX - This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX XXXX - XXXX & XXXX XXXX account showing closed, paid and open - account is also showing one missed payment when there wasn't any missed payments. Despite 9 written letters - no change - no reply - and no update.

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 2022-04-26
Company: I.C. System, Inc.
State: AR
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 Accounts has violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy. 


15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS XXXX XXXX XXXX XXXX 
{$750.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX L Account # XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XXXX XXXX, 2022 I.C. SYSTEM, INC Account # XXXX Original creditor : XXXX XXXXXXXX {$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$2100.00} Balance updated XXXX XXXX, 2022 MXXXX XXXX XXXXL Account # XXXX Original creditor : XXXX XXXX XXXX XXXXXXXXI {$540.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Account # XXXX Original creditor : XXXX {$1200.00} Balance updated XX/XX/2022 2022

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: 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 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 explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: GA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-06-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an HSBC Premier account in XX/XX/XXXX. 
HSBC agent called me and told me this morning ( XX/XX/XXXX ) that I'm not qualified for HSBC {$600.00} Bonus because I had a savings account in XXXX. HSBC policy for the {$600.00} is : Customers who held an HSBC consumer deposit or investment account from XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. In my opinion, a savings account is not considered to be a deposit account, but a checking account is a deposit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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'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 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 2023-05-20
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When viewing my   XXXX       XXXX   XXXX  , 20 17 cr edit report under : report-summary > account-summary >    XXXX   I s ee I have a total  :   XXXX    open account  XXXX  collection accounts Time since negative : Never This I found very misleading as it says, the time since the last late payment or other negative event was posted to my credit report is " Never '' I continue to Accounts > Open-accounts > pg.3 to se e my CapitalOne account Status : " Negative '' The same page also states "  XXXX  has no closed accounts on file for you as  of   XXXX   XXXX   2017 ''  Finally I reach the Account-details Tab Where my Capit  al One account is reflecting a 60 day past due payment ; so now I 'm really confused!
CapitalOne never reported any missed or late payments previously yet my account Status is negative showing late payments and in the same report  XXXX  reported that " The amount of time that has passed since the last late payment or other negative event was posted to your credit report '' is " Never '' I feel the information being provided to me as a consumer in regards to my credit report are false and misleading.
I 'm providing a copy of my Capital One payment history. Along with my credit report, as I have viewed at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got an online job through XXXX on XXXX XXXX, 2017. The person I got hired by claimed to have the name of XXXX XXXX. He sent me a check from a " customer '' for {$840.00}. I was to keep {$400.00} as I had already worked for him for over a week, and {$440.00} of it was to go to his " printer '' who would print his paintings on canvases. ( He says he 's an artist and that 's what he said I was going to be doing for him -- setting up invoices, creating a website for his company, etc. ) I waited 4 business days, and by the looks of it, my check had cleared that he sent me, so I sent his " printer '' ( whose name was XXXX XXXX - I also have his XXXX XXXX XXXX account # to verify him : XXXX. I suspect this is actually who " XXXX XXXX '' is since this is who I was told to send the money to ) {$200.00} on XX/XX/XXXX, then {$240.00} the next, XX/XX/XXXX. The following day, Chase Bank returned my check saying the Payor stopped payment. He then said he would transfer the funds into my account and that there had been some kind of mistake. He sent me another check from a " customer '' to deposit -- fortunately I was on to him at that point. He has now blocked me from XXXX XXXX -- our main form of communication. HELP!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been on the income based repayment plan since 2010. I have re-certified on time when information was requested. Recently you are able to log into the student aid portal. There was an issue with the IRS site and it allowed me to complete the re-certification. On XX/XX/XXXX, I received an email stating that my request was incomplete so I sent my income tax return to them. This is not the first time that I have had trouble with AES removing me from my IBR and I want them to verify the start date of my plan, and if the terms are 20 or 20 years. How many years that I have remaining. 

They have sent my information to a collection agency, which I want this information removed, and any negative credit reporting corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
TRANS UNION XX/XX/XXXX TransUnion TRANS UNION XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2023-08-07
Company: EQUIFAX, INC.
State: SC
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'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 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

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

I've complained several times and get auto verified by there systems every time

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 2023-01-24
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting late payment for XXXX, XXXX, And Experian! Multiple disputes have been sent in to them with no update - no investigation and no replies back from company & credit bureau. Inaccurate information is affecting my ability to obtain credit! Violation of 15 U.S.C 1681G XXXX XXXX  Bankruptcy with Experian XXXX XXXX - Inaccurate reporting! This account is showing two different dates that a bankruptcy was filed/reported. It is also showing inaccurate reporting with the court it was " filed with ''. Bankruptcy on a persons consumers report is a Violation of title 15 USC 168 - right to privacy. Despite 9 written letters to the credit Bureau 's - this account is still reporting inaccurately affecting my ability to obtain credit. 

XXXX XXXXXXXX XXXX XXXX Reporting for Experian XXXX XXXX- was included in bankruptcy - reporting inaccurate information - open date is wrong - credit limit is wrong - payment status is incorrect - reporting date is wrong - active date is wrong - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. I've sent out 9 Dispute letters with nothing resolved! 

XXXX XXXX - Experian & XXXX - Reporting incorrect information! Open date = wrong. Account type is showing different details for both credit Bureau 's. High credit is incorrect and has two different numbers. Credit limit is inaccurate and showing two different numberes. No proof of investigation despite 9 letters to credit Bureau 's. This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX - Experian XXXX XXXX - This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. On top of that - Credit limit is inaccurate - payment status is inaccurate - and active date is inaccurate. 

XXXX - XXXX - This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX XXXX - Experian & XXXX XXXX account showing closed, paid and open - account is also showing one missed payment when there wasn't any missed payments. Despite 9 written letters - no change - no reply - and no update.

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 2023-08-24
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:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights. Account Number started in 604419. 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 instruction. under 15 U.S.C 1666 B 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 2023-05-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I obtained a credit card from XXXX XXXX via Synchrony Bank. At No Time was I told I had a Specific Time to pay off the debt or I would have a Balloon Payment. I made a XXXX dollar payment onXXXX on a balance of XXXX dollars. That should have given me a XXXX dollar balance. With an interest rate of 29.99 %, that is XXXX dollar charge! I just received the bill for XX/XX/2023 and they are charging me a XXXX interest charge. I called and talked to a representative ( XXXX ) and he says it was part of the deal. 
At no time during my visit to XXXX XXXX was I informed by the salesman OR the credit representative. I would have Never agreed to it and I would have just used one of my established credit cards. They were very sneaky in getting me to acquire their card. I just made a XXXX payment and that is All they should expect and then cancel my business with them. Thank you

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 2017-05-11
Company: St.John Cobb Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : St John Cobb Inc. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX Phone # XXXX I received a letter from them claiming that I owed them {$36.00} for False Alarm fees that I had not paid. They said my case had been referred to them for collection, and I had 5 days to pay them. I went to the City of XXXX utility billing office and they said they never heard of this company. I also went to XXXX Police dept and they had never heard of this company. I called XXXX XXXX XXXX, and they said they were not showing any false alarms or late payments on my account. I therefore believe this is a scam, and I am not paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation