BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: NE
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 Believe I am a victim of identity theft or mistaken identity. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. 

XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXXXXXX XXXX ; Date : XX/XX/XXXX XXXXXXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXXXXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/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 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is reporting late payments on my credit profile without my permission. It is hurting my ability to get approved for anything and is defamation of my character.

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 2021-03-30
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
Hello, I filed a complaint against XXXX XXXX XXXX about how they are discriminating against low credit users and charging them higher interest putting their loans in default and then I also ran across an article from the CFPB regarding their credit reporting. They reported me late twice after catching up with my payments lying saying i was XXXX  days late even though I was current on my payments. I filed with XXXX to get it disputed but it took a hit in my credit report and i am trying to repair my credit report to get out of a loan that i will never be able to pay off due to their practices of charging low credit users 28 % interest. i am already paying XXXX dollars more than what the car is actually worth! whats the point of having a monthly payment of 90 % of it goes to interest and none of it goes to the premium. THIS COMPANY NEEDS TO BE STOPPED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: MD
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-07-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
hi we have been american express customers since XX/XX/XXXX having owned a centurion, platinum, gold, blue business plus, business platinum, simply cash and business gold i was an amazing customer never made a late payment always paid in full spent about XXXX XXXX dollars a year! i truly loved my cards and amex!! but now i am mad at amex they cancelled all my business and personal cards without notifying me .... they blaimed it on the bankruptcy basically, one of our old companies that we used to do business with, filed chapter XXXX bankruptcy under its tax id i have a perfect almost 800 credit score as i did not file bankrupcy and even thought the company we have not done business with for many years, went bankrupt they went and cancelled all my cards even my personal centurion   and platinum and gold,,,,, i am horrified at them i think everyone has american express cards should cancel them and run away as fast they can and go to XXXX XXXX or XXXX  i have other cards like XXXX  XXXX and XXXX and they ofcourse did not cancel any of my cards only amex can do such a terrible thing not only that it gets even worse can you imagine they refuse to refund any annual fees i just paid or even the {$7500.00} initiation fee i spent to open the centurion card that is true stealing its like buying something and not receiving it and then the seller refused to refund you complete robbery ... and this is american express run fast lets see what american express will do on my behalf and if they WILL refund any fees will keep you all posted on what happens

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. 

At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. 

Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. 

I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. 

I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation.

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 2023-06-08
Company: CITIBANK, N.A.
State: OK
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 recently had my credit report pulled for a potential mortgage loan. On my XXXX credit report, it shows that I am an authorized user on a CitiBank CBNA credit card that is open and active. This card was opened XX/XX/2012. At the time I was a XXXX, XXXX XXXX XXXX and a XXXX  of the State of California, in the XXXX XXXX XXXX. I have never authorized my information to be used with Citibank credit cards. The credit card currently has a {$9900.00} balance which is severely damaging my credit and ability to buy a home. I repeatedly called CitiBank to resolve the issue, however they are unwilling to help me without a full account number, or full name and social security number of the primary account number. I have no access to that information since my name was used fraudulently on this account. CitiBank refused to help me or remove this fraud even though it shows 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 2019-03-26
Company: PLANET HOME LENDING, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been threatened by my mortgage company of foreclosure. I have called them several times but get a different response every time. I fell behind due to problems with my personal checking account. I found erroneous charges on my account which cause my mortgage payments to bounce. Once that was settled I have made my payments from a new account for the past 5 moths. Out of those five moths, 3 months of payments were returned to me with no explanation. When I called to find out what was going on, I was given different answers every time. At this point I do not know if I still own my home & have to move. I have not received anything in writing & I'm terrified that I will be evicted with no advance notice. My main concern are my XXXX dogs which are my " kids '' or babies. I XX/XX/2018, I signed an agreement with the company to make elevated mortgage payments to get caught up. My last three payments were returned with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number XXXX XXXX Delete this account.

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 2022-06-14
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:
I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated " In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. 
I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. 
Remove all late payments from my consumer report effective immediately. You are in violation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: LEXISNEXIS
State: IL
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. 

The letters are stated with items and issues. 

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 2023-06-09
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As of yesterday I received my direct deposit through work as of today my account was closed. I've received several different letters stating why my account was closed but none of them are legit. Chime also says that it's gon na take 30 days for me to receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Dear Sir or Madam, This letter is a sincere request for your help and consideration. Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains two late payments reported on XXXX and XXXX for my Account. 

I want to sincerely apologize for the delay. Unfortunately, my family and I have faced an extraordinarily challenging time. My wife and XXXX of our XXXX children fell severely ill, requiring my full attention and care. This unforeseen situation caused a significant disruption in my income, making it difficult to meet my financial obligations. 

I assure you that this was an isolated incident, and I have learned valuable lessons from this difficult experience. I am now in a more stable situation, and I have taken the necessary steps to address my financial obligations. I have resumed regular income, and I am committed to making timely payments on my loan moving forward. 

I genuinely value the relationship I have with Bank of America since 2016 and have always strived to meet my financial responsibilities promptly. However, the circumstances surrounding my family 's health crisis placed an enormous burden on me, both emotionally and financially. I am hopeful that you will consider my request for goodwill consideration and help me restore my financial standing. I believe in your commitment to customer satisfaction. 

Thank you for taking the time to read my letter and for your understanding. I eagerly await your response and look forward to resolving this matter amicably. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Selected category is not exactly the issue but none matched any better. Chase is looking into a fraudulent credit card application submitted in my name. I spoke with their fraud staff and shortly after the conversation received another email saying " Thanks for requesting a new credit card. '' Thinking it was another fraudulent application, I called again to check. Fraud staff advised there was only the one application - their reference number XXXX. After the call, we received another email saying, " Thanks for requesting a new credit card. '' Apparently, every time you talk to them this email is generated? This is very confusing. Once the application has been denied ( which they confirmed several times ), this should stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been a victim of XXXX XXXX and therefore have been in a forbearance. I had requested a loan modification on two occasions- XX/XX/XXXX and XX/XX/XXXX. I was told in XXXX to continue the forbearance since my financial situation had not improved. In XXXX, I explained the same and 53 bank told me they would lower the interest to the Fannie Mae current rate and extend my mortgage by 10 years. Sounded great - however when I received the paperwork my payment INCREASED!!! I called and called and sent messages in the portal system- to no avail! The only thing I was told was we dont know I guess your loan is too new I pointed out to several people during this time in XXXX that the interest rate was NOT lowered. Nothing .... no help! 
So I am again in forbearance. 
I have since received multiple statements - all with different amounts including the change to my escrow due to forbearance- and all of them are different and conflicting. 
I have asked for help to explain- once again NOTHING. 
I keep getting told someone will contact me in XXXX to review my options and a deferment will move all the amounts to the end - once again THIS IS NOT HELPFUL!!!! 
I cant afford my payment- I need a lower payment!!! I need a modification- I cant afford for myself and my XXXX children to be on the streets! I have a ton of equity in my home and none of this was my fault!! Ive asked time and time again why arent they trying to help people not lose their homes!! 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts.

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights.

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated.

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.

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