BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-25
Company: Experian Information Solutions Inc.
State: AZ
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 just received my credit report and I noticed the following inquiries that are not linked to any of my accounts. 

Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX APPEAL, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX AUTO FI, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX DEALER S, Inquiry Info : HARD Inquiry : Finance - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX Creditor : XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : 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 2019-12-24
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 status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX SINCE 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 2023-02-09
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 status incorrect

Complaint:
I closed my XXXX XXXX account yet XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request if consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.

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 2022-01-20
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: Public record information inaccurate

Complaint:
There are two loan accounts reflecting on my credit report from XXXX XXXX XXXX OF, one in the amount of XXXX and the other {$6000.00}. These accounts are showing as a collection, however based on the Statute of limitations by California law these accounts are not allowed to reflect in my credit history after four years. These accounts were closed XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a victim of identity theft from XXXX XXXX breach. 

Since then I have placed a lock on my credit report and also froze my credit with all XXXX Bureaus. XXXX has also placed a statement on my credit report. Nevertheless I am still having accounts opened on my credit report that is not mine. 

The latest XXXX is from XX/XX/XXXX, XXXX XXXX XXXX  XXXX was opened and transferred to a debt collections agency. {$790.00}. XXXX XXXX XXXX. ( I have never lived nor live there ). This has caused emotional distress, and also I am unable to move to another home until this removed from my Credit. 

Please help, this continues to happen and I dont know what to do anymore.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D. XXXX XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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 2023-02-09
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 status incorrect

Complaint:
I closed my XXXX XXXX account yet representative XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request of consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.

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 2022-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow was raised this year in XXXX. It doubled my mortgage payment, in which I can not afford. I tried to get propetyy taxes roved from escrow due to the lender saying that is why it raised, in which they refused. I now see there has been a loan protection fee added to my escrow for over {$2000.00} so it raised because of that not property taxes and they refuse to remove it. I have had this loan for 15 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I entered into the XXXX  mortgage protection with Chase Bank due to lost of employment. I was told I qualified for XXXX months of protection. 
XX/XX/XXXX Chase Bank sent me documents to modify my existing mortgage changing my loan to a XXXX year loan with 6.7 % interest rate. I refuse to sign as I'm not in agreement with these terms. I have an FHA loan and I should be eligible for other repayment options. I never submitted any income so the bank doesn't even know if I'm financially able to make the new proposed payments. 
They refuse to give me other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: AMERICAN EXPRESS COMPANY
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:
American Express # XXXX is reporting lates in XX/XX/19 and XX/XX/19. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a chime account that has been locked since XXXX XXXX. I have called and emailed chime multiple times since XXXX, XXXX, XXXX, XXXX, and XXXX. Ive emailed them at support@chime.com and review@chime.com including sending the requested documents including pictures of govt. ID, Social Security, proof of address, etc. and I still havent received any response from them. When I asked them why my account has been locked they said it wasnt in compliance with chimes policy and I ask them how and they didnt give me a clear answer on how my account wasnt in compliance with their policies. We are now in XXXX of 2022 and I dont know what to do I even requested they close my account and mail my funds to my address and they even denied that so I just wan na know what I can do to get them to respond and unlock my account, I havent been able to pay my bills, my phone is off, i am now living with my mother cause I couldnt pay my rent and Im down right now so if you can help me please give me a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: ENCORE CAPITAL GROUP INC.
State: SD
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 found out that the account i paid off is not being reflected as such on my credit report so i contacted midland credit management ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from XXXX XXXX is that i need to contact midland credit in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2018-02-09
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 I received a letter from BB & T bank notifying me of a {$20.00} redeposited check that was returned for nonsufficient funds. It was noted that there was NSF/OD fees that were incurred as a result of this chargeback. I immediately called BB & T centralized operations at XXXX. They informed me that my account was assessed {$36.00} as a result of the returned check causing an overdraft. I asked to have the fee reversed, and they agreed. They informed me that I would have to take care of this at the local branch, located at XXXX XXXX XXXX, XXXX PA XXXX. The manager graciously agreed to help, however, in the meantime, the banking system updated and charged an additional fee of {$8.00} for a negative balance for over 7 days. When she tried to correct the charges, it started by reversing the {$8.00} fee that should have been assessed and prevented her from reversing the overdraft fee of {$36.00}. The system, at her level, blocked her from reversing the fees. She notified me, as per company policy, the system would only allow one complimentary reversal per 24 months. The 7 day negative balance fee should not have been assessed due to the fact that it was only day 6. She instructed me to call XXXX. They told me their system would not allow for this correction and refused to correct or escalate the matter.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I, XXXX XXXX, a Natural Person, Cardholder, rights have been violated by Capital One Bank USA NA, my credit limits was decreased without my consent and authorization. As a federally protected consumer, my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted TransUnion, XX/XX/XXXX, and XX/XX/XXXXon XX/XX/2021 by Certified Mail regarding removing unauthorized inquiries. 35 days later, these inquiries are still showing on my credit report. I sent another Certified Letter on XX/XX/2021 requesting that the inquiries be removed.

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 2019-03-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I noticed my Chase credit card account is closed when trying to use the card today. I was just able to use my card yesterday. 
I didn't receive any format of communication on the account closure prior to account being closed and caused me incredibly amount of inconvenience. 
I called to ask the reason why they closed my account and learned that they believe do not have enough credit information for me. But they approved me a card three years ago with even less information than today. So the reason doesnt make sense! 
I have a good credit score and 10 years credit history. Never late for any chase credit card payment. I found this incident very unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: EQUIFAX, INC.
State: NY
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 am filing this complaint because XXXX, XXXX  and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am filing this complaint because XXXX, transunion and XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 a victim of identity theft. I did all I can do I sent letters, made phone calls I even got a police report to prove my case.I called credit acceptance multiple times and asked them to show proof or anything that can prove that had a car or loan through them.Not once did they show any proof of any kind nor any information other then making false reports on my credit report. 


dates XX/XX/2023 for {$8800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation