BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: Experian Information Solutions 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 have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( I have no clue what this is ) 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 2020-08-21
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: Account information incorrect

Complaint:
Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my XXXXREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at XXXX unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and wallet nerd that I see I am not alone ... ..

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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I am on the phone with XXXX. After providing them with the correct information and other important information about myself on unsecured phone lines XXXX  refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to  protect Citizens. XXXX must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. XXXX also refuses to provide me with my correct and current Credit Report and Credit Score. XXXX has put me on hold for more then 10 minutes and just returned to the line. XXXX still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXXXXXX XXXX and XXXX I discovered that XXXX  lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A XXXX loan not reported to XXXX and VA  loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!

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 2018-05-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
About two years ago an American Express Card was opened in my name after I lost my wallet, and my identity was stolen. I only found this out recently, due to the fact I was checking my credit report and it shows closed by credit grantor. Why did I not ever receive this card? The address you have on file per your customer service I have not ever lived at in my life. I would like to request this account to be removed from my credit file. Per your agent American Express has me in their internal reporting as a bad customer for disputes. I never filed a dispute because I never got the card or billing statements. I want this internal reporting removed and the account removed from my credit report as I cant apply for an American Express because of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regarding : XXXX XXXX and XXXX XXXX 's Freedom Mortgage Home Loan Acct # XXXX Today, I am writing on another matter. I am in the process of obtaining a security clearance with my job and they pulled my credit report. Your company is listed, as items ( late payment ) that are preventing me from obtaining my clearance. I know we just resolved this account in XX/XX/2017, and it has already been updated to Paid in Full, however, I am asking if the account can be completely removed off my credit report for XXXX XXXX and XXXX XXXX 's Freedom Mortgage Home Loan Acct # XXXX. 
Obviously, I need my job, especially since I am just starting to bounce back on my feet after my health issues that prompted our financial relationship in the first place. I would be absolutely elated if this would be possible. 
Sincerely, XXXX XXXX and 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 2020-01-21
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: Information belongs to someone else

Complaint:
Requested for the credit bureaus to investigate into this account that I had no knowledge of. Multiple account errors and personal information also listed on my credit report. Sent certified mail. 

Experian didnt investigate thoroughly and verified as accurate. I contacted FTC. This item isnt verified as accurate and I know for a fact I do not have validation for this item. This item must be promptly deleted per Section 611. It's been deleted by the other credit bureaus. 

I will be pursuing litigation for inaccurate information thats not been verified and distress this has caused!

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 2023-04-14
Company: EQUIFAX, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: FC HoldCo LLC
State: PA
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:
XXXX XXXX  is showing on Supplemental Public Records & Residential Information is  showing I did not apply or sign any documents applying for credit in any way as showing on my credit File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXXon promotional and information.

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 2018-05-09
Company: JPMORGAN CHASE & CO.
State: CA
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:
Hello, I applied for the XXXX credit card with Chase Bank about 6 months ago and I got approved and received my card and start using it. 

I also applied for the XXXX XXXX credit card with Chase Bank about a few months ago. I got approved, received the card and start using it. 

The other day when I called XXXX XXXX credit card to see why I have not been able to use the card past few days, they told me that my account is closed. I asked why they said they do not take closing an account lightly. That was their answer. 

To my surprise also found out later that day that the XXXX credit card was also closed. I asked them why and they said the same exact answer : they do not take closing an account lightly. 

Chase Bank did close my checking and savings account 3 or 4 years ago for no reason explained to me. But why would they give me credit cards and close it? This is hurting my credit score. 

Can you please look into this and let me know? 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 name XXXX, XXXX XXXX and address XXXX XXXX XXXX XXXX, NC XXXX does not belong to me.

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 2019-09-15
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stop communicating with me vis mail, you say your not harassing me. Continuously sending male is harassing me. Stop enough You seem to think i am someone you can push around with all your lawyer talk sorry nope. 
According to the Fair Debt Collections Act this communication is supposed to stop after the time barred debt. It has not even through mail that is a type of communication. This wad passed this year XX/XX/2019. 
As you can tell by this website I have tried to fix this numerous times, it continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During the summer time after I completed my XXXX degree and was transferring to another university. Navient did not allow me the courtesy of the 6 month period to start repaying on my loans. Instead they charged me interest for the three months before I started at the university. These fees and excess interest was never refunded to me. Instead I was told that I needed to make the payments anyway and that the payments that I had already made can't be reversed but the interest that was being charged they would drop after I had already made payments frantically. As of this moment I am unaware of the total dollar value of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: MS
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:
The problem is. XXXX, Experian and XXXX are report inaccurate information on my credit report, which is affecting my ability to get approved a home. I have tried to fix this issue and have wrote them several times alerting this of the inaccurate and the violations that they are making to 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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion was provided court documentation showing the information on my credit report from XXXX XXXX XXXX was inaccurate, yet they continue to keep this inaccurate information on my credit report. This is absurd. Please direct Transunion to remove this false information.

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/20 I received a credit report from XXXX and transunion stating verified of inaccurate accounts still being reported on my file. I received a summary of credit scores from XXXX. 
They all failed to send me a copy of a signed contract I have requested the have violated my rights as a consumer. 
I am asking it be removed from my credit file

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 2020-01-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Midland Funding putt my account in collection status as of XX/XX/XXXX. I did not open an account with Midland funding and nor do they have my consent to report anything on my credit or any public record. 

I had an account with XXXX, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by Midland stating you can start paying and paying XXXX account, without explaining that XXXX has already reported this account as charged off in XXXX and no matter what i do Midland can not remove that derogatory remark from my credit. 

When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with XXXX, I explained the whole situation again to then and asked them for my original contract with XXXX to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with Midland and the XXXX account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections. 
How can one account be reported negatively twice on the credit report. I do not acknowledge Midland as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
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 information incorrect

Complaint:
XX/XX/2018 payment shows late but it was never late. Called the customer service to report, but they said I have to dispute it with credit bureau they can't fix it automatic.

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 2018-12-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My dispute XXXX for {$110.00} has been open since XX/XX/2018 without an update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The debt agency Professional Debt Mediation , Inc is being unprofessional and using language or terminology that I find offensive especially coming from a professional. The reason for the sarcastic behavior is because of me attempting to utilize the law to dispute a debt. A debt that was utilized to hinder my future and any other chance of receiving funding for my business or any other essential expenses in life. 

I have given nothing but respect.. I can not allow someone to misinterpret my character in a manner that it clearly needs addressing. 

Professional Debt Mediation , Inc Has refused to negotiate the debt and not destroy my credit report.. by law the debt falls off in 2 years roughly.. I am offering the initiative to payoff the debt in exchange of the debt collection agency removing the account and allowing me to seek funding from banks or lenders to assist with debt consolidation.. 

Consumers have the right to sue and seek damages from credit bureaus, users of consumer reports, and information furnishers that act in violation of the FCRA. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Professional Debt Mediation , Inc Has caused significant damage to the patent that I have. The credit report has remarks that lenders and banks are not lending until my credit report improves.. 

Instead of receiving the debt paid back with interest.. for example if the debt agency will agree to recycle the debt and turn it into a positive remark on the credit report that I can start paying on similar to a loan.. therefore it will reflect a positive credit score with every payment.. this will allow banks and lenders to see a positive impact on the credit score. Instead the company chose to frustrate me with their choice of words. 

Im asking for assistance because I did not give this company consent to furnish my credit report in the first place. 

I demand that the credit report company accept the offer that both parties can agree to instead of attempting to destroy my credit report and preventing me from utilizing my credit to fund a business or to help with essential expenses in life. 

Or I will be forced to sue for abuse based on the unprofessional conduct. 

I attached copies of my evidence..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The 3 credit bureaus, TransUnion, XXXX, & XXXX are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.

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 2023-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I respectfully ask your organization to consider my points, given your personal and company wide obligation to provide a fair and reasonable investigation into the complaint. 

The details of my complaint are shown in the attachment. 

I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. 


XXXX XXXX

Company response to consumer: Closed with explanation