BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have reached out several times to try and get this matter resolved. There is an account from XXXX XXXX and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from 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 explanation
Consumer complaint received 2023-11-08
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
As a follow-up to complaint XXXX, on XX/XX/2023, Mr. Cooper made an unscheduled XXXX unapproved debit of my ( and I assume thousands of others ) linked checking account without notification. My monthly payment is scheduled to be completed on the first of the month, as has always been the case for the duration of this loan. The lack of information flow and poor management of the cybersecurity incident affecting Mr. Cooper has left me without a sense of what PII may have been released, when future payments will or will not be debited, and severe lack of confidence in the ability of Mr. Cooper to service my loan competently.

Furthermore, payments are not being recorded on Mr. Coopers website, despite clearly being recorded by the bank ( see attachments ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has refused to remove an erroneous entry on my credit report. The debt is under legal dispute and between my attorneys and me 8 letters have been sent to Experian dating back several months. We began by sending this to all three bureaus and Experian is the one bureau that simply refuses to remove the entry. We have cited which violation the creditor is guilty of violating and they still refuse to remove it. As a matter of fact, within the receipt of the letters, they sent me a letter confirming that they refuse to even investigate the matter further. The letter stated that they refuse to investigate a dispute they already investigated. In one of my many letters, I even asked for them to provide exact details for how they confirmed the entry considering the other two bureaus never gave me this type of trouble. At this point, it appears they are more interested in hurting my credit than making sure they are reporting it accurately.

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 2021-10-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The addresses that are listened are not mine. I've never lived in any of those addresses before. Please delete them or be fined {$1000.00} per minute for fraudulent information, identification and bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express gift card for {$200.00} from a friend. The card had trouble activating and always shows an unknown error when checking the balance, and it is always declined. Ive contacted support several times, each time telling me to wait XXXX  days after they request some information. Ive given them all necessary documents on XX/XX/XXXX, heard a reply asking for the same information on XX/XX/XXXX, and recently contacted support telling me to wait 30 days again. It doesnt seem like they want to address the issue and they are just stealing the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account below, 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 Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2018-05-11
Company: AES/PHEAA
State: NH
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 paid four of my five student loans in full with a refinance through XXXX. I left one student loan open because the interest rate was lower than my refinance. I owed a very small amount on " loan sequence 2 '' and had pre-paid a couple of years of payments on that loan. XX/XX/XXXX I decided to start re-paying the debt that was pre-paid through at least XX/XX/XXXX because I would like to start a family and thought I should get rid of that loan first. When I made the {$92.00} payment, all four of the closed loans re-opened. I called onXX/XX/XXXX to complain to XXXX as the 4 loans should have been paid in full. I told XXXX XXXX that I wanted the loans which re-opened with credit to be reapplied to the total debt owed and DID NOT WANT checks sent to me. I was told no little checks would be sent. I received two checks for about {$2.00} each about one week later. After two calls and multiple escalations I was told my loan would be entered into a " lead review '' which would take two weeks maximum. After two weeks, I called again and I was told the process could take up to 30 days. Meanwhile, the amount owed increased. I continue to call XXXX and the problem is not fixed. XXXX is now reporting my credit as OVER 260 DAYS PAST DUE which is a LIE and IS Seriously affecting my credit. I had to buy a new car and was not able to get the promotional rate. MY LOANS ARE REPORTING AS ALMOST IN DEFAULT WHICH IS A LIE. MY CREDIT IS REPORTING AS HAVING SERIOUS DELINQUENCY WHICH IS A LIE. EVERY TIME I CALL XXXX they demonstrate a complete inability to assist me. The first person who answers informs me my loans are significantly past due and in risk of default after multiple escalations I finally reach someone who has a clue and says it normally does not take this long to correct. It has been a month and a half and my credit is messed up. 

Additionally, XXXX never explained to me the consequence of paying the income based repayment. My loans therefore capitalized as follows : on XX/XX/XXXX - {$10000.00} and on XX/XX/XXXX -  {$550.00} ( despite on time regular payments since the first due date XX/XX/XXXX. I made regular on time payments until XX/XX/XXXX. On XX/XX/XXXX my interest capitalized {$17000.00}. This added a total {$28000.00} to my amount owed. I then made on time payments until XX/XX/XXXX and I paid 4 of my loans in full in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently send a letter to Equifax regarding my name. Equifax has my name as XXXX XXXX XXXX XXXX, Im not a XXXX  I have send in my Drivers License so they can correct it but they still refuse to. And, they keep telling me that a bankruptcy on my court report came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 XXXXXX/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 2023-01-17
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Getting inquiries I didnt apply for it

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 2022-05-22
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account below, 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 Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX First XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Credito XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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.

has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
All of the auto requests on my report from May have been falsely applied for on my credit reports. There are many. There are also credit cards. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX BXXXX 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 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 2020-12-16
Company: TRUIST FINANCIAL CORPORATION
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX, on XXXX XXXX, 2019, XXXX XXXX XXXX XXXX and on XXXX. XXXX, 2019, XXXX XXXX  XXXX  add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-07-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a message via XXXX from a friend/comadre asking me to borrow money for an emergency and that she would pay me back later. She is a very trustworthy friend and we always communicate through this medium and that is why I did not hesitate to send her money through XXXX, I thought it was her and half an hour later I realized that it was not her that someone had hacked her account and they were asking for money on his behalf. 
My Chase bank detected that it was fraud and put this amount of {$500.00} dollars on review and they told me in customer service that I had to call the fraud department of Chase bank to authorize this amount. 
I called Chase bank several times and they have their notes from my call where I clearly said that the transfer by XXXX was a fraud and that requested that they stop the transaction. 
In one of the calls, a customer service operator told me not to worry because the money had not left my account since I had not made the call to authorize the money, which is why Chase bank had it under review. 
I never called the fraud department to authorize the transaction that according to them needed to be done in order to ship through XXXX. 
And about 5 or 6 hours later Chase and XXXX send me a message saying that they had transferred the money to the person who was stealing from me. 
Right now I believe that my Chase bank and this XXXX company were complicit in this robbery because my Chase bank decided in a letter that it sent me that it was not going to do anything and that it closed my dispute request to return money to my account.. 
I think they didn't do any research because they had my account in her direct access and didn't cancel XXXX 's shipment. 
Because there is no way to cancel the shipping money, because they protect this company so much that it has defrauded and deceived millions of people. 
I make the call with the Chase bank and follow all their shipping cancellation steps and why because they decided to make this shipment to this person who was deceiving me by pretending to be someone else, that is, my friend/comadre. 
The next day tuesday XX/XX/XXXX. I make the reclamation and complaint about this case. 
I do not understand why XXXX did not make any request to this person who deceived me to return my money XXXX XXXX with phone number XXXX since XXXX has to know his information about him and his bank where it was sent the money. 
This situation make me really sick and nervous every day. 
Thank you and I hope that you can help me recover the money that was stolen from me. 
My name is : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Entrata Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I partially filled out an application for an apartment but never submitted it. They decided as a sales tactic to approve my application and do a hard pull of my credit that I never consented to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I referred four family members in total to the chase sapphire preferred card. they all used my promo code/link to sign up and were approved. Unfortunately for the my XXXX XX/XX/XXXX referrals the refer-a-friend bonus points of XXXX each did not post on my statement. i reached out to chase 11 times via secure message and they kept advising to wait and wait. I waited after the 8 week period the date of approval and no bonus point have posted. they continually try to stall and say someone will advise in 5 days but the time period goes and no one advises on the issue. i reach out again and they provide the same response " someone will get back to you in five days ''. I've messaged and tried to speak to 4 different people with chase card services and benefits. I even provided the two peoples name with their information as was requested, but no one got back to me.

only 2 of 4 refer a friend bonuses posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act these accounts have violated my Rights. 

XXXX XXXX  # XXXX XXXX Auto # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX 15 U. S. C. 1681 section 602A -- -- states I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 -- -- 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