BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Reviewed my credit report and I disputed the XXXX  XXXX bankruptcy that was listed on my credit report. And they said that it was valid but they couldn't tell me how it was validated so its a violation of my rights it needs to be removed any any of the other accounts that are on my credit report asap I did reach out to the US bankruptcy court XXXX XXXX  of Illinois. The attached letter states the courts to not report any information to the credit bureaus so how did this information get 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 explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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

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 2020-06-04
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 fraud alerts or security freezes

Complaint:
I do not have the time or emotional energy left to list all the specific details you wnat. 
Experian 's system always gives me issues when the other two companies do not. 

I can not get their system to simply work to unfreeze my credit file and I always have to mail them a letter about it becuase the online system ALWAYS boots me to this page that says I MUST MAIL A LETTER AND COPIS OF DL, SS card, utility bill. 
I try their Credit Unlock/Lock that is suppossed to allow credit inquiries and it has no affect whatsoever, they still tell credit inquiries that my file is frozen and will give them no info. 

The phone system they have gave such limited choices last year that just trying to get to a human being for help led them to AUTOMATICALLY Reporting Fraud Attempts on my account that set all my credit bureau files on FREEZE. 

This makes the ability to freeze and unfreeze just preposterous and the lock/unlock does not even work.

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 2023-05-21
Company: Experian Information Solutions Inc.
State: VA
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 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  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 writing 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 items 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 explanation
Consumer complaint received 2021-11-22
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi Sir/Madam, In the closing statement or settlement documents, there is no where mentioned that there is a fee to closed an escrow account and I am not under PMI or anything. During the closing, the loan officer said I can call in anytime to close the escrow account if I want to. 

It is a FRAUD... ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Back In XXXX of 2021 XXXX made a collections claim on my credit report originally with XXXX XXXX XXXX XXXX mobility for {$1000.00}, I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. Now, this account is with XXXX XXXX XXXX ( XXXX ). According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 45 days since I requested you to investigate XXXX claim of a collections 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 2018-12-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had extreme difficulty with Chase Bank presenting a reasonable modification agreement for my mortgage, which had gone on for some time. I had a modification application entred in to Chase in XX/XX/2018. I had not received any updates or request for more information, but I have sent in updated pay stubs over the past months. Chase put my house up for sale and executed a sale on XX/XX/2018, but I have never received any communication directly to me about the status of my modification application. They did not call or send my any request for information or any indication of the modification decision, yet they went ahead with the sale. Also the property as sold for {$47000.00}, which indicates that they had room for a reasonable modification agreement even with principal reduction. I wish for this to be investigated as I have had this problem with Chase for some time, but time they did something different by not sending me any notification of my modification application status, and selling the property for {$47000.00} which seem to mean there was an opportunity for a modification .By not notifying me of the modification application status i had ot chance to respond or request a second review before the sale.. Kindly look into this matter as Chase has been very unreasonable throughout this loag lasting ordeal. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a mortgage loan with XXXX XXXX XXXX  with a paperless statement, online portal, and autopay. In XX/XX/2023 due to insufficient funds in my bank account, the auto-pay bounced. I haven't been notified about a bounced payment, nor about past due payment either : by phone, mail, email, text, voice-mail, or online customer portal. 

I am attaching screenshots of the website, showing that the account is in a good state. 

XXXX XXXX Bank failed to notify the client about a transaction that didn't go through. 
XXXX XXXX XXXX  displayed misleading information on its customer service portal. 

Furthermore, in XXXX, XXXX, and XX/XX/2023, I requested economic disaster assistance from the XXXX XXXX XXXX, due to being severely impacted by COVID-19. As of today, XXXX XXXX XXXX  failed to respond to my request. Instead, XXXX XXXX XXXX  reported me late for 2 more months- XXXX and XXXX, which I did my best to pay, however, the payment bounced, so I had to make another payment. XXXX XXXX XXXX, again, hasn't contacted me about the bounced payments. 

I requested XXXX XXXX XXXX  to remove the late pay reporting on credit bureaus, as they failed to properly inform the client about a payment 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX - XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX - XXXX XXXX  ACCOUNT # 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 2023-05-21
Company: Experian Information Solutions Inc.
State: AZ
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:
To whom it may concern, there has been a colection added to my consumer report which I dont recognize.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Account : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable 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 explanation
Consumer complaint received 2023-05-21
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:
On XX/XX/XXXX The Credit bureaus were sent certified letters. XXXX letter # XXXX, XXXX letter # XXXX, and Experian letter # XXXX. The credit bureaus stated that following accounts were properly investigated : XXXXAcct # XXXX, XXXX-Acct # XXXX, XXXX-Acct # XXXX, XXXX XXXX XXXX, XXXX-Acct # XXXX and XXXX XXXX- Acct # XXXX. On XX/XX/XXXX I sent another certified letter after the credit bureaus stated these accounts were accurate- XXXX letter # XXXX and XXXX letter # XXXX. But how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
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:
I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, XXXX and Experian, there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above

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 2022-12-08
Company: EQUIFAX, INC.
State: CT
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:
Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The cards I purchased had 150.00 and 50.00 and I already sent in proof of the amount on the cards and the receipts and didn't register the card and the one card has a negative balance and don't have any idea why

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Minto Financial dba Minto Money
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a pay loan for a XXXX. They said on the phone I would only have to pay XXXX back. I had to pay XXXX $ a week. I currently have paid them XXXX XXXX I go online to see my payment schedule and it says I have to pay them XXXX XXXX They did not tell me on the phone when I got the loan that I would have to pay XXXX XXXX  back. I do not have that type of money. I would of never got the loan if I knew I was gon na have to pay XXXX XXXX. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: CA
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 my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief