BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX has deleted mentioned account. Experian is reporting date filed on XX/XX/2015, while XXXX is reporting the date filed as XX/XX/2015. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, Experian reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. I received a notice from the US Bankruptcy Court ( XXXX New York ) stating " the court is not associated with credit reporting agencies. What is included or expunge from a credit report is determined by the consumer reporting agency itself, not the Court. '' See attached documents. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well. Certified mail Tracking number XXXX mailed to US Bankruptcy XXXX New York 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
The the company XXXX XXXX was removed from my account all of a sudden its back on my account this company is totally a scam they put Negative information on my account Made up two different contracts one which wasnt signed by me they need to be deleted from my credit history and all the negative removed Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: NY
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, US DEPT ED # XXXX, 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 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 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 non-monetary relief
Consumer complaint received 2020-03-18
Company: EMBRACE HOME LOANS
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About a year ago, my Credit Score was about 720. Pretty good. I had a VA Loan and several credit cards. I've been doing well on those payments. I THEN refinanced my loan in XXXX to save myself around $ XXXX/month on mortgage payments. I expected the hard look at my credit to drop it a few points ( although I TOTALLY disagree with a credit check dropping the score ANY ). It dropped more than 50 points. THEN when the re-fi went thru, it dropped an ADDITIONAL 40 points because my credit report LOOKED like I had defaulted on my home loan -- still haven't missed a payment, on credit cards or mortgage, mind you. It's been hovering around XXXX for months. RIDICULOUS! OK. Last month, my mortgage got bundled and sold to another lender. AND IT HAPPENED AGAIN! My credit is NOW XXXX and I am being DENIED JOB INTERVIEWS because of my credit score! THIS SHOULD BE CRIMINAL! I HAVE NOT MISSED A ) @ $ % @ PAYMENT! 

I have since gotten offers to re-fi that would save my family an additional $ XXXX/month. I am DEATHLY afraid to even consider them. 
Why would they do this? I DO NOT UNDERSTAND!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was locked in with an interest rate of 2.5 percent for a 30-year term for 45 days on XX/XX/2021. Upon receiving my closing disclosure on XX/XX/2021, my interest rate now reflects 2.875. I paid {$500.00} to lock in this rate and was at the point of closing until I was told the rate went up during the lock period and was not notified of such without acknowledging the Closing Disclosures first. This is a clear bait-and-switch scheme.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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:
The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

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

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 2022-02-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed unrecognized inquiries on my consumer credit report provided by equifax through a mail sent to equfax by mail on the XXXX of XX/XX/2022. Till today equifax has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: WI
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 Name, U S DEPT OF ED/XXXX Account XXXX XXXX, Account Name, U S DEPT OF EDXXXX Account # XXXX Account Name XXXX DEPT OF ED/NELNET Account # 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

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 2022-02-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2018-02-16
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase.com recently had an 'technical error ' resulting in many users having their personal bank accounts that are tied as a payment method to Coinbase deducted in amounts varying from person to person. 

The charges are all posted on XX/XX/2018 Time/amount XXXX - {$50.00} XXXX - {$100.00} XXXX - {$140.00} XXXX - {$220.00} XXXX - {$300.00} As of this report I am now subject to five {$35.00} overdraft fees per day and I'm attempting to work something out with my bank, as these charges will continue daily. 
These charges mirror some of my Coinbase purchases that I previously made. 

Coinbase costumer service has not responded to my inquiry on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute certain accounts that are held by your company. The accounts in question are as follows : XXXX XXXXXXXX XXXX XXXXXXXX : late payment account XXXX XXXX XXXX XXXX : charge off account XXXX XXXX  XXXX : inquiries on XX/XX/XXXX I believe that your company has violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and/or the Fair Credit Billing Act ( FCBA ). 

The specific violations that I believe have occurred are as follows : With respect to the XXXX XXXXXXXX XXXX account, I believe that your company has violated the FCRA by reporting a late payment on my credit report when the payment was made on time. This has caused my credit score to decrease and has made it more difficult for me to obtain credit in the future. 
With respect to the XXXX XXXX  XXXX account, I believe that your company has violated the FCRA by reporting a charge off on my credit report without providing me with proper notification and an opportunity to dispute the debt. This has caused significant harm to my credit score and has prevented me from obtaining credit. 
With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by making unauthorized inquiries on my credit report. These inquiries were made without my permission and have caused my credit score to decrease. 
As a result of these violations, I have suffered financial harm and/or other damages, including being denied credit and having my credit score decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX XXXX XXXX {$3000.00} XXXX   XXXX {$560.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX XXXX {$520.00} XXXX  XXXX {$120.00} XXXX   XXXX {$82.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX   XXXX {$310.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC Report and the Louisiana DMV Data Breech that made global news and impacted me as a Louisiana resident. I don't have an account with the companies mentioned, these are a result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reporting on my credit profile.

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 2023-04-24
Company: EQUIFAX, INC.
State: OR
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:
Inquiries that I know nothing about, never done or used. Do not belong to me XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX & XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX XXXX XXXX XXXX XXXX. DATE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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: Credit inquiries on your report that you don't recognize

Complaint:
After careful review and consideration of my annual consumer credit report, I noticed there were hard inquires from companies in which I never authorized to obtain my credit report from the credit reporting agency. The following inquiries are unfamiliar to me : 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 2022-10-10
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:
Ive contacted the credit companies stating that the information on my credit report is incorrect they did an investigation and it is still incorrect the accounts are XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act those accounts have violated my rights. 
15 U.S.C 1681 section 602 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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 # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, 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.

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.

I SENT IN LETTERS TO DISPUTE THE CLAIMS TO THE CREDIT BUREAUS. THE CERTIFIED MAIL RECEIPT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. I AM INCLUDING THE CERTIFIED RECEIPT NUMBERS BELOW FOR ALL CREDIT BUREAUS I SENT THE INFORMATION FOR DELETION TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: GA
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 filed a ftc identity theft report because XXXX, has put my information on the dark web, I am disputing XXXX  XXXX and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX  XXXX, this information is fraud I want it removed from my credit report and blocked, my information is being used I have hired an attorney to sue XXXX for leaking my personal information, my social security number and my drivers license number and other personal information, Ive had to dispute accounts on my reports I have not open, the information does match my information because all my information has been exposed by XXXX in a data breach, XXXX and experian please remove this information and block it from my file, this information and accounts are fraud, please no fraud alert

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 2018-08-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2018, I made an online payment from my Chase account to my XXXX XXXX ( a transaction that I've made monthly for over a year ) for the amount of {$3600.00}. After several days of not posting on my XXXX XXXX account, I contacted Chase and XXXX to determine what was happening. Chase informed me that they have proof of payment, the funds were electronically withdrawn from my account, transferred electronically to XXXX XXXX and were withdrawn by XXXX XXXX. I also went online and saw the proof of payment document confirming what Chase reported. 
However, XXXX XXXX states that they have no evidence of the electronic payment and that they do not accept electronic payments, Chase is supposed to send XXXX XXXX a paper check for the amount. This was news to Chase when I informed them of this ( XXXX XXXX has never informed them of this and if it was the case, XXXX XXXX should have rejected the payment ), and they noted that all of my payment electronic transaction from Chase to XXXX XXXX in the past were made via electronic transfer. 
Chase is in the process of mailing the proof of payment document to XXXX XXXX to show that XXXX XXXX in fact did accept and withdraw the funds. 
I am very concerned that this is going to become an issue with neither institution accepting responsibility. 
Also, I made a second payment to completely pay off my card for {$17.00} and it is having the same issues. Chase is also in the process of mailing this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: OPTUM BANK, INC.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XX/XX/XXXX I closed my HSA account with Optum Financial. I received a check, in the amount of {$3500.00} on XX/XX/XXXX. I tried to cash my check and it was declined. I called Optum Financial on XX/XX/XXXX to tell them I could not cash my check. They said they could reissue me a replacement check. On XX/XX/XXXX I received a replacement check. Check number XXXX. I tried to cash the replacement check and it was also declined. I reached out to Optum Financial customer service again and they informed me that the first check, check number XXXX had been cashed. Which was news to me because I did not cash the check. I would like to. I have since opened 10 cases with Optum Financial regarding my check. I have reached out to XXXX XXXX the president of Optum Financial Bank. I was corresponding with XXXX XXXX via email. I have completed and returned 2 forged check affidavits one in XXXX of XXXX and another XX/XX/XXXX. I have contacted XXXX XXXX via email to see when I can expect a check or to get a status update on my check and he will not reply to my emails.

Company response to consumer: Closed with explanation