BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: Experian Information Solutions Inc.
State: CA
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 made several attemps to obtain my credit report. Recently to obtain my yearly free credit report and again today, when I requested a copy in response to recent credit denials. I have been denied each time with no clear explanation why, or how to obtain my free copy that I'm entitled to, according to the FCRA.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2018-11-19
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for a payday loan with Oportunum a month ago or so.My loan was for $ XXXX.My payment biweekly is {$36.00}. I got behind on my payments.I have been harrass by numerous of phone calls per day.They need to stop. I know I owed {$300.00} but this is insane.Please help with this issue.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, 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:
Dear Equifax I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

XXXX XXXX XXXX | XX/XX/2022 : Account number : N/A, Account type is incorrect and not correctly displayed. I need this fixed ASAP. 30 days should be enough. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: JPMORGAN CHASE & CO.
State: NY
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:
Initiated dispute with credit card company over a purchase made for XXXX dollars. I had first contacted vendor, received no response from vendor. Contacted Chase XX/XX/XXXX to initiate dispute. Received confirmation from Chase that they were investigating the dispute. XX/XX/XXXX Chase requested more information from me. I submitted additional information to Chase in the form of a letter sent via their online dispute system, XX/XX/XXXX. I received confirmation via email from Chase that they had received the additional information I sent them. 

XX/XX/XXXX, received response from Chase that made it clear they had not read the additional information I sent them. Chase indicated they were closing the dispute. Since it was clear they had not read the information, or done any investigation whatsoever, I immediately contacted Chase to reopen the dispute and reiterate that they needed to take into account the additional information sent to them. XX/XX/XXXX, received confirmation from Chase that they had received my request and were reopening the dispute. Email said " payment of amount in dispute not required while dispute is being resolved '' To sum up, Chase reopened this dispute on XX/XX/XXXX, and then did not contact me again regarding this dispute until XX/XX/XXXX. The dispute remained unresolved for well over 60 days or two billing cycles, a clear violation of the Fair Credit Billing Act. 
When I called Chase and spent over an hour on the phone trying to explain this to XXXX XXXX, he claimed that he had never heard of the Fair Credit Billing Act. Since XXXX XXXX XXXX was the Chase employee in charge of this dispute, he was in ignorance of laws protecting consumers from unfair practices and in his ignorance, he allowed this dispute to go on well over the allotted time period. XXXX XXXX was extremely rude both on the phone and by letter, claiming ignorance of the law allowed him to ignore it. 
Obviously, since XXXX XXXX allowed this dispute to sit unresolved for a year, I can no longer attempt to follow up with the vendor -- this is why the law was enacted, so that consumers would be protected from banks like Chase allowing dispute to go on and on and then deny them when consumers no longer had any other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: MOHELA
State: ME
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 received a billing statement for my student loan on XX/XX/XXXX, backdated to XX/XX/XXXX. My borrower account on MOHELA.com indicates that my next payment is due XX/XX/XXXX, which is less than 2 weeks after I received my billing statement. This is the second time I have received a late and backdated billing statement. Also, according to XXXX, my payment due date is XX/XX/XXXX. If this is the case, then my XX/XX/XXXX billing statement would not be untimely. But it's unclear by which date Mohela expects me to pay. 

I mentioned the late/backdated statement to a Mohela representative on the phone, and she informed me that they are in the process of transferring to a new system that should fix the issue of late/backdated statements. It's my understanding that Mohela has been in this process for months. As a borrower, it is frustrating to receive billing statements so close to the apparent due date of my bill, because it doesn't give me enough notice and time to prepare to pay my bill. 

Finally, I set up auto-pay in XXXX so that I would never miss a payment. Mohela auto-debited my account on XXXX XXXX despite my accounting being in administrative forbearance. In addition, despite owing {$0.00} to the administrative forbearance as of XX/XX/XXXX, I received a notification ( before I received the corresponding billing statement ) that my autopay would be debited for the regular monthly payment amount. This is frustrating ; why doesn't autopay reflect the actual amount due? I canceled auto-pay and will submit monthly payments manually until I am confident that I am being billed the correct amount at the correct time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
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: Information belongs to someone else

Complaint:
Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, 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:
In the past year, I have written multiple letters to Equifax Information Services LLC and XXXX Credit Bureaus explaining to them that my name, address and employment is incorrect. I have sent Equifax and XXXX my Driver 's license to validate my ID, Utility Bill to validate my address, FTC Report to show that I've been a victim of Identity theft and a dispute letter to explain and show the accounts that are fraudulent. In accordance with the XXXX XXXX XXXX Acts, Equifax have not been in compliance with the FCRA laws. The equal credit opportunity act prevents creditors from discriminating against individuals. I strongly believe that Equifax and XXXX have discriminated against me. My name, address and employment has been reporting incorrectly in their system and they have yet to correct it. As a victim of Identity theft, I shall not be penalized for actions that I have not caused. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Equifax and XXXX should be penalized for not following FCRA laws. Also, including that my personal information was impacted by Equifax XXXX XXXX back in 2017. Equifax and XXXX have failed me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mohela began servicing my student loans in XXXX. They have not reported once to any credit agencies to reflect current balances which are significantly lower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NV
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 credit reporting agency is using old delinquent payment history of accounts that have been discharged in my bankruptcy to calculate my credit score. Under the bankruptcy laws accounts that have been discharged are not to be included in calculating credit scores as they have been discharged.

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 2024-01-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to Fair Credit Reporting Act, this creditor, Synchrony Care XXXX XXXX has violated my rights under 15USC1681-SECTION 602 which states that I have the right to privacy.

Under 15USC1681-604A SECTION 2, it states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666B it also states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

For these reasons, I am requesting the late payments be removed from my credit report across all XXXX bureaus.

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 2023-12-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Company : SYNCHRONY AMOUNT : XXXX $ & XXXX $ and additional NSF for ACH trying to withdrawal. 

DATES : XX/XX/2023 & XX/XX/XXXX COMPLAINTS : Around about XXXX of 2023 I got a sudden notification that my account had been closed for CARE CREDIT whom I had the debt with. Now SYNCHRONY is the parent company and arbitrarily closed the account even though my payments were on time and current. Then after they closed it, they just went into my account without permission and started taking ACH withdrawals. I did not authorized this.

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 2022-12-26
Company: EQUIFAX, INC.
State: PA
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 WILL NERVER BEEN LATE TO PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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.

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

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2024-01-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
WF CRD SVC  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear sir, I would like to ask your company, WF CRD SVC, to check whether you have provided the auto loan or home equity and mortgage. Since my family lives in the extremely old, rented apartment in XXXX XXXX near XXXX, I could not understand why I need to apply for the mortgage and other payment system. I request to investigate whether a person called, XXXX XXXX, applied to your service; therefore, whether your company asked the credit report to satisfy the financial need and assistance of this so-called XXXX XXXX from the credit report company of the United States , with which I have so much difficulty to receive the claim and dispute answers to satisfy me. Since I am a real XXXX XXXX, whose nationality is XXXX, I would like you to investigate whether there is any other XXXX XXXX, who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. If so, as far as I know, I clearly can prove that person is not XXXX XXXX with my passport and another necessary documents to prove that I am a XXXX XXXX of XXXX nationality. If your company lends some money to this impersonated XXXX XXXX, I would like you to act the necessary legal action to regain your financial loss. And I request you to work together with XXXX to remove your company from my credit report. Besides, I can clearly say I do not have any real estate in this country and other countries. 

Sincerely,

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 2024-01-06
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am uploading this showing my filing for identity theft which occurred in XX/XX/2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a newborn. I need help please

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX should be deleted off of my credit report with ALL 3 credit bureaus. I have a credit override statement from them. That they sent the reporting agencies. However, it still reminds 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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