BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 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 an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MD
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 account below have violated my Federally protected consumer rights privately and confidentially 15 USC 1681.

account name & # has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency connot furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions and 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 have reasonable cause to believe that the information is inaccurate. 
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 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am getting very frustrated in regards to my dealing with the stated companies. I have stated my truth about alleged accounts that are being furnished on my consumer report and i feel as though these companies have not done their due diligence in investigating the matter and have failed to give me proper documentation on why and how they came to there conclusion. i believe i have my rights as a consumer and i will like for those rights to be respected by the companies who pledge to respect them.

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 2022-12-18
Company: Experian Information Solutions Inc.
State: KY
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:
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 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 2022-10-20
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-06-20
Company: Experian Information Solutions Inc.
State: NC
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:
After reviewing my credit report I noticed numerous names and address that don't belong to me and after trying to correct this issue the credit bureaus haven't resolved this complaint.

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 2022-10-20
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 have called Transunion several times to remove the unauthorized inquiries from my report. The attached credit report shows the inaccuracies and that in the last 2 years i only have 4 authorized inquiries with XXXX  and 0 with XXXX How is it possible to have 14 with XXXX  alone if the consumers run all 3 reports. This violates the FCRA by having this inaccurate unauthorized inquiries on my 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 2021-11-17
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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.

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 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
We want to add documents as evidence in the inaccuracies and incorrect addresses. 
COMPLAINT ID XXXX To Transunion 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 2021-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Nelson, Watson & Associates, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX, NELSON , WATSON & ASSOCIATES , LLC AREVIOLATING THE " DODD-FRANK ACT BY COVERING UO FOR XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, AND OTHERS, RESPECTIVELY!

Company response to consumer: Untimely response
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on 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 2023-04-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 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. 

I have sent several certified letters to these companies, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, and Equifax. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw a medical bill from CHOICE RECOVERY for XXXX XXXX XXXX  totaling $XXXX. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX with no physical address to receive any forwarded mail. I also let the hospital know I was an XXXX XXXX and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by CHOICE RECOVERY or XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
State: IA
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:
Received notification " JPMCB CARD SERVICES made a Bank / Credit Card Inquiry by checking your XXXX  Credit File. '' on XX/XX/23. Called ( XXXX ) XXXX to get more information about hard inquiry, wasn't able to provide me with any more information. Inquiry is due to fraud. Already froze credit and placed fraud alerts on all 3 credit bureaus. Also disputed hard inquiry with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX, I applied for and received the XXXX credit card after viewing a website advertisement claiming you can get 3 % on your top spend category, 2 % on your second, and 1 % on everything else. I thought WOW, that is nice. What's the catch? I clicked on " learn more '' and found that it seems legit. However, I later found it is misleading and deceptive as you can not earn 3 % on your top spend category if it is " other '' category. This is not made clear to someone who is interested even when they click on the " learn more '' link. " Other '' is clearly listed as a category you can earn rewards on without further disclosure that you can only earn 1 %, and that it is treated differently than every other category listed. 

After I found in the XXXX app that I would not earn 3 % on the " other '' category I went back to the website to do the research. I found that once you click on " learn more '' you are taken to the following link XXXX XXXX XXXX XXXX On that page it shows " other '' as a category you can earn rewards on. Right below, there is a heading saying " Rake in the rewards ''. Underneath the heading it states, " The XXXX Credit Card gives you custom cash back* rewards maximized to what you spend the most on. Well track your spend categories as they change, so you can just sit back and cash in. '' I scrolled to the bottom of the page to read the asterisk, which states, " * Use of cash back is subject to the terms of the XXXX account. Review the XXXX Credit Card Rewards Program Terms for more information. '' I then clicked on the link to the " rewards program terms '' taking me to this page : hXXXX XXXX XXXX This link has no information at all on the 3 %, 2 %, or 1 % rewards and how they work. It only describes how the credit card works and things like interest. 

To me, and probably a lot of other customers, this appears that XXXX is trying to hide the facts.

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 2023-10-27
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have three complaints with American Express. Their Customer Service Department failed to ( 1 ) eliminate a {$29.00} Late Fee, ( 2 ) reverse {$6.00} in Interest charges, and ( 3 ) was either unable or unwilling to inform me whether any Delta Miles were added to my account from my XX/XX/ use of the American Express charges for the multiple services I used the credit card as payment for in the billing cycle ended XX/XX/. I paid American Express {$1300.00} on XX/XX/ which was indicated as being posted onXX/XX/XXXXon my next statement, as payment in full for the {$1300.00} balance on my XXXX XXXX statement. I have never been late with any previous payments, always paying my bill " In Full '' each month. 
Their XXXX statement for the following month showed my payment received, but charged me the above fees and indicated I would have to pay {$35.00} to reinstate my " earned '' mileage. This XXXX statement, which indicated an XXXX XXXX close date, was not sent to me. American Express emailed me on XXXX XXXX that the statement was available for me to LogIn to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: SIERRA PACIFIC MORTGAGE
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a property tax bill from the county. Contacted the local mortgage office ( XXXX XXXX XXXX ) on XX/XX/2021 via email and they replied they were looking at it. Took a couple of days and they advised me that the servicer didn't pay the tax and that they have issued an overage refund from the escrow. I asked some follow up questions about when the taxes will be paid, what happens if some of the overage funding was used, what is the new escrow balance, etc. and I was left out of the dark waiting for a response. It took some follow-up email on my end and also contacted the main customer number for the lender - Sierra Pacific Mortgage. First phone call I made was in early XXXX and the customer service individual I spoke to didn't know what was going on. Apparently, they don't take notes or write down any meaningful history. The person didn't know the status of my property tax payment. I finally got a respond from local office that they will pay the penalty fee for the late payment of the property tax, but never addressed my other inquiries. Another called made late last week ( 1st week of XX/XX/2021 ) to the main number and the customer service manager said that I will need to find the check they sent back in late XX/XX/XXXX/early XXXX, deposit it to my account and fund the escrow for the shortage. On top of all this, I've been feeling up with the county, until the property tax was finally paid. I feel left to deal with the mess and have to figure things on my own with the other inquiries I have, that still don't have a clear answer. No apologies or acknowledgement of their incompetence. A total failure on their end and now a cleanup and funding on my end. Not to mention any tax reporting issue I have yet to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TransferWise Ltd
State: IN
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:
On XX/XX/2022, I used my Wise Debit/Credit card to purchase gas. The gas station, XXXX XXXX, put a temporary {$100.00} hold on my card at XXXX. After I pumped my gas {$21.00} was charged to my Wise card and at XXXX the {$100.00} hold was released by XXXX XXXX XXXX On XX/XX/2022 I spoke with a representative at Wise, XXXX, and I have emailed Wise a letter from XXXX XXXX to verify they released the funds and a copy of my receipt for the charge of {$21.00}. As of XX/XX/2022, Wise still has not released my {$100.00} funds. I desperately need that money to purchase food and pay bills. Wise is holding my money illegally!

Company response to consumer: Closed with explanation