BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has come to my attention that your organization has, in a manner that can only be described as gross negligence, failed to block a fraudulent account on my credit report despite ample evidence and repeated attempts to rectify this situation. Frankly, I am appalled by the incompetence displayed by your organization in handling this matter. 
XXXX XXXX XXXX XXXX I have been a victim of identity theft, and it is well-documented that this fraudulent account is causing severe damage to my creditworthiness. I have repeatedly submitted the necessary documentation to prove the fraudulent nature of this account, yet your investigation has been nothing short of lethargic and agonizingly slow. 
This is not a matter that can be brushed aside or treated with indifference. The presence of this fraudulent account on my credit report is jeopardizing my ability to secure loans, obtain credit, or even access essential services. It is causing me unnecessary stress, anxiety, and financial hardship, all of which are entirely your fault due to your inexcusable delays in resolving this issue.

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 2019-09-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Freedom card was advertised to give {$150.00} cash back after 3 months of a total of {$500.00} spent. I clicked on the promotion that was online and that page took me to a application form which I filled out for the card XX/XX/2019. Discussion of this promotion is still active on the web by 3rd party credit card reviewers, so I know it's legitimate. 

I called Chase customer service today XX/XX/2019 to ask when I should be receiving my {$150.00} sign up bonus since it's been 4 months and I met all their requirements listed on the web site. I was told by a customer service rep. they had eliminated the sign up bonus sometime in XX/XX/XXXX/XX/XX/2019 and that my card didn't qualify since I had missed the cut off. I was not informed of an offer expiration date or cut off during my account application nor the promotional web site. 

My complaint is their misleading and fraudulent use of " old '' promotional web pages to rake applicants in, just to claim later that the promotion had been eliminated a month before. Since I can not access the original web site anymore ( unless I knew it was already going to be fraudulent ) I do not have any hard proof or screen shot. 

This is the classic bait and switch advertising that is skillfully used to reign in unaware customers, since the company can blame " the internet '' or " cookies '' or " the browser '' of not being up to date. 

I would not give Chase any credit card business and have discontinued doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureau stated the listed accounts and account numbers below was properly investigated but how is that even possible if the open dates is inaccurate, the date last reported is inaccurate, the date last active is inaccurate and the account status is inaccurate. This is destined for removal. They violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 ; It says a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my report as well. 

List of Inaccurate Credit accounts that needs to be removed : XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Number : XXXX I would like these inaccurate credit accounts removed permanently from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly that I am 90 days past due on XXXX   XXXX - partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-12-30
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX of 2020, I made 12 orders for coins advertised as " XXXX XXXX  XXXX XXXX '', and a couple other American currency coins. When i recieved the first order it was immediatly apparent that the coins were counterfeit. Some were magnetic and none weighed properly. All the rest of the orders were also counterfiet American currency, illegal to buy. sell or own in the USA..i immediatly informed PayPal inc. of the problem and requested that they refund my money, which they have refused to do for the bulk of the orders. PayPal profited from illegal sales and Now with full knowledge of the laws against the sale..specifically 16 CFR part 304 and HR2754. The hobbys protection act and subsequent addition to it, prohibiting anyone from significantly assisting in the sale of counterfiet currency. PayPal inc. Did refund one order and my credit card company refunded 3 orders. That leaves 8 orders totaling ... $ XXXX.I have complained to many agencies about this rip off and in more than one written response PayPal has not addressed the issue of the illegally of these sales in any way..only policy..significantly assisting these XXXX companys in counterfeiting american currency. ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
For bankruptcy public records collected through XX/XX/XXXX, XXXX obtained information about bankruptcies from a third-party vendor, LexisNexis. Due to an error on my credit report, the bankruptcy was found to not belong to me and someone of a similar name. On XX/XX/XXXX, I filed a dispute to omit the erroneous bankruptcy of my credit report. The bankruptcy came back on XX/XX/XXXX as " Verified '' although there is no Bankruptcy on my Lexis Nexis Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ).

After providing sufficient evidence that the Bankruptcy is not mine through Court Sealed documents and my Lexis Nexis Consumer report on XX/XX/XXXX via USPS postal mail via tracking number XXXX showing no Bankruptcy on my Lexis Nexis Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ). XXXX verified the Bankruptcy as Verified from Lexis Nexis on XX/XX/XXXX despite no Bankruptcy ever being on my Lexis Nexis Consumer Report. 

As well, they did not state who they verified who they sourced this public information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Information belongs to someone else

Complaint:
My personal information was misappropriated by someone I didn't know, and many overdue bills were recorded on my credit report, resulting in a negative credit report for me. 
The creditor and collection agencies, instead of showing me the original data package when the bill was created, only showed me the debt bill in the person 's name. 
I sent a statement to the creditor 's rights company and the debt collection company to investigate, but it was not resolved. The creditor 's rights company continued to accept the business handled by the embezzler, and the overdue result was recorded in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2022-10-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
A business partner in XXXX sent XXXX to the wrong account at Chase Bank on XX/XX/2002 We have tried to have the wire recalled but Chase has not confirmed with the recieivng party the mistake. I have taked to XXXX people at chase who offer no solution. the bank in XXXX ahs tried to recall the money but Chase does not respond. Can you help me straighten this mess out. Have hire an attorney to help Identify the receiving party so we can conact them I have all the trannsfer information and chase ahs a record of all the secure mesage we exchanged thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-09-18
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First Of All, I want it known that I've Never been Late With Any Payments To Any Of My Credit Cards. On XXXX, I Purchased 3 Money Orders in the amounts of {$500.00} + {$500.00} + {$290.00}, which= {$1200.00} Altogether in order to Pay Barclays Credit Card Company in Full , which was my Balance Owed, & was Due XXXX. I submitted all 3 Money Orders in the Barclays Envelope provided with their Address Showing. Approximately10 days after I mailed my payment I began calling Barclays to Check on my payment. On XXXX They said The Pymt Still hadn't registered. After I Spoke to Money Order Provider, XXXX XXXX, I Realized Barclays was giving me the Runaround, As They instructed Me To Do Many Tasks in which I Followed Every Instruction Carefully. The Excruciating Painful Mental Anguish that Barclays caused me to suffer when my pymt was Submitted Very Early. To add Insult To Injury, After I made the {$1200.00} payment in full a 2nd time Barclays began to falsely & negatively report on my Credit. This Caused my Credit Score To Plummet more than XXXX Points. My XXXX Credit Score was lost due to LIES REPORTED BY Barclays, & I'm Still Working To Rebuild My Credit Score Unfairly. I have attached Proof Of Injuries, Tasks, All Money Orders from XXXX pymt. & XXXX set of Money Orders Sent. 
It took up to 4 months For Them to Finally Get the Situation Resolved. It was A Long Nightmare & Im Still Suffering every time I Think about all of That.

Im Still NEVER LATE PAYING MY CREDIT CARD BILLS!!! Im ALWAYS, ALWAYS EARLY PAYING EVERYTHING!

Check my Credit Records!!! The

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 2022-04-07
Company: Experian Information Solutions Inc.
State: CA
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 Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX # XXXX, XXXX  Acct # XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX  Acct # XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX 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 2023-09-24
Company: Experian Information Solutions 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:
Consumer has requested several times for Experian to remove XXXX XXXX account from consumer report. They're in violation of FCRA, FDCPA, CCPA, IRS and ECOA. This account XXXX XXXX XXXX # XXXX is illegally listed on consumer report. This account is being reported with a balance as a closed charge off. According to the IRS Publication these cancelled debt is to be considered income. Experian continues to list this multiple time disputed account as a negative account reported as debt owed. The consumer must balance it's books with the IRS correctly by claiming this account as income but it is in conflict with how Experian is reporting my book keeping records. Income is not reported on consumer credit report, therefore this income considered account must be deleted immediately. CFPB must fulfill its duties and obligations by demanding the consumer reporting agencies not only investigate according to 15 USC 1681a ( e ) meaning of investigative report but also 15 U.S. Code 1681b - Permissible purposes of consumer reports-any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. CONSUMER DOES NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY DISPUTED, NEGATIVE, WRONGFUL, OR ILLEGAL INFORMATION. also Under 15 USC 1681a ( d ) 2 the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT. 
15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under California Consumer Privacy Act- Consumer have the right to have Experian penalized {$2500.00} or {$7500.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a notice the first week of XX/XX/2021 that I had applied for unemployement insurance ( which I had not ). Then on XX/XX/2021 I received a US Bank ReliaCard debit card. I am NOT unemployed and have NOT filed for an unemployment insurance claim. Someone is committing fraud in my name.

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 2022-04-07
Company: EQUIFAX, INC.
State: NC
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 reported a late payment of 30 days on XX/XX/XXXX in the amount of XXXX dollars, and XXXX XXXX XXXX XXXX reference # XXXX on XX/XX/XXXX reported a XXXX XXXXXXXX and in doing so 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 information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 information incorrect

Complaint:
Account # XXXX Source of dispute information : XXXX XXXX XXXX XXXX XXXX with Late Payment : XX/XX/2020 This account is now closed. However I noticed one late payment that is erroneous. 

This item is innaccurate because the CARES Act provided protection to consumers who were negatively affected during the COVID-19 pandemic. The one late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is trying to collect a debt i do not own, As I was checking my credit i have found this collection which is affecting my credit granting.

Company response to consumer: Closed with explanation