BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: DC
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:
Experian routinely accepts a report of a missed payment on an account with a XXXX balance from XXXX  XXXX XXXX, Experian does not investigate the matter thoroughly. They continually accept a reported late payment from XXXX XXXX XXXX on an account that was closed and written off years ago. A previous complaint filed with CFPB finally showed the balance on the account as XXXX ( {$0.00} ), but Experian still accepts as accurate a late payment on that XXXX balance every month, thereby indicating habitual late payments on an account with a XXXX balance. FURTHER, Experian will not perrmit me to file a dispute, claiming the matter has already been investigated. Further, XXXX XXXX XXXX first made this adverse report on XX/XX/XXXX. The seven year period has run and this account should be dropped from this report, but still appears on the XX/XX/XXXX credit report. Experian will not permit me to dispute this either, saying the information reported is accurate. MONTARY RELIEF should be awarded for failing to provide a method to dispute a subsequent, but incorrectly reported, late payment and for failing to exercise diligence in watching the seven year period.

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 2021-05-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX : I paid the remaining balance IN FULL via my online XXXX XXXX XXXX  XXXX in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

XXXX XXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called XXXX to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the XXXX  website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by XXXX after this call and the late is still 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 2019-12-09
Company:  Lippman Recupero, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/19 - I received a letter from Lippman Recupero stating that an amount of {$3700.00} is owed to creditor XXXX XXXX XXXX XX/XX/19 - Certified mail received by Lippman Recupero requesting the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

XX/XX/19 - I received a list of charges on a move out statement. No additional information was provided XX/XX/19 - Certified letter delivered requesting additional information as no questions asked were addressed XX/XX/19 - I received the same statements of move out charges. No additional information was provided

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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:
XXXX XXXX has been told that this 5othe XXXX   XXXX on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Trans Union wrongly charged {$29.00} and even did not provide any Credit Report. I requested then that it is usually free and Trans Union charged me and one in Chat asked we will refund you. And then referred me to another Chat representative and they denied to give me back my money. Unfortunately I even did not get any Credit Report either. There is no link to print or save Credit Report. So I got my report from another website annualcreditreport.com. 
Trans Union 's way of business is white collar crime type. Unfortunately around 13 years earlier they charged me wrongly the same way but at time I was not aware to where to complaint. I request your good-self to bound Trans Union to make much clear to their website so people could avoid from such kind of malpractice of Trans Union 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 monetary relief
Consumer complaint received 2021-11-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC
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:
Nissan Motor Acceptance refuses to remove this fraudulent account from my credit reportI have been a victim of fraud and identity theft and the account needs to be deleted from my reportIve sent numerous letter to have the information removed but they continue to verify that the fraudulent account belongs to meThey can not produce a contract with a wet ink signature to prove there was a mutual agreement between two or more partiesThis account is ruining my reputation as a consumer and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Second Alliance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX Collector contacted by place of work. I am unable to receive personal calls at work and was in the middle of a meeting with my boss when the second call was answered. I did get reprimanded for the second call being that it was personal and my boss was present when it was answered. The person on the phone stated that he called this number because I didnt answer my personal cell phone number. He was never given permission to call my office phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
I have begun my dispute with all of the credit agencies since XX/XX/XXXX. I have sent to Experian my dispute letter along with my Identity Theft report. XXXX and XXXX have removed it from my file however, Experian refuses to remove it. I have spoken to XXXX, XXXX, XXXX and XXXX. They are telling me that it can't be removed. I told them that this account isn't mine and that I have filed a dispute since XX/XX/XXXX. I also told them that by law they weren't supposed to report anything on my credit without my consent and I haven't given them my consent to do so. XXXX told me she didn't need my consent and that XXXX XXXX has given it to them. She told me to go to them and dispute it. I told her that her agency was reporting it. She said that it was verified. I asked her to tell me how it was verified? What number did they call? Who did they talk to? and when was it verified? XXXX says she didn't know. I demanded that it be removed. She said she can't and if I needed to start a dispute, she can assist me. I asked to speak to a supervisor. XXXX was the supervisor who told me that the documentation that was sent was incomplete. I asked how can it be incomplete I followed the instructions on their site? I told also told them that the other agencies had it removed with the same documentation that I provided to them. I told him his agency had a obligation to furnish accurate information in which they are not. He said what XXXX and XXXX does has nothing to do with him. Isn't my consumer report is supposed to be 100 % accurate according to the law? Well, it's not. At this point I am demanding that XXXX XXXX be removed. I was denied a loan for $ XXXX because of inaccurate reporting. In spite of my many letters sent to this agency, I am still having a hard time removing this item from my consumer 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 2017-01-17
Company: Integrated Recovery Services
State: SC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This person has called me and my family numerous times threatening to come to my place of employment and to take me to jail if I did not comply with their debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: MD
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 have fraudulent credit cards opened in my name which needs to be removed from my credit file. I am still a student graduating soon and had no idea there were fraudulent credit cards opened in my name.

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 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
TransUnion is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.

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 2020-01-28
Company: ONLINE Information Services, 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:
For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today XX/XX/XXXX the financial business check my credit score without my permission and XXXX XXXX XXXX XXXX  do the same two times without my permission and this was affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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:
This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Balance {$0.00} MEDICAL XXXX Balance {$140.00} XXXX XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Chase mortgage is reporting paid, 30days late on my credit report. the late payment was in XX/XX/XXXX. I have a court signed judgement that my exhusband XXXX XXXX is responsible for the debts of the former XXXX home located at XXXX XXXX XXXX XXXX, La. I have a judgement dated XX/XX/XXXX and XX/XX/XXXX stating this, I was not even living in the home. Please remove this late payment from my credit report and leave it on XXXX XXXX since he was responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today XX/XX/XXXX the financial business check my credit score without my permission and XXXX XXXX XXXX XXXX  do the same two times without my permission and this was affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had asked them to waive the over draft fee caused on a holiday XXXX XXXX, they continue to tell me theyre unable too, knowing i get paid friday the over draft fees get taken care off they keep refusing to refund me the XXXX $ of over draft fee they charged on Items that were XXXX $

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-08
Company: EQUIFAX, INC.
State: CO
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:
Equifax, is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Applied for a Sears Mastercard and inquired about balance transfers, was told by the representative that there was a 0 % interest charge for 1 year on all purchases and balance transfers. Got the card, made a balance transfer and immediately began being charged interest on the transfer. To date, the interest totals more than XXXX and has my account listed as over the limit. When I first notice the charges back in XX/XX/XXXXof this year I called Sears and the rep said they'd reverse the charges, they never did, and I shouldn't see anymore interest charges. My statement 's have high $ interest charges each month. I made XXXX in purchases and got XXXX in interest charges ... .I asked about this and was told it was because of the balance amount which included the balance tranfer. I told Sears to close the account and I was disputin the charges based on false representation by their representative

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America keeps paying and allowing payment to process when I have no funds in my account then charge me NSF fees?! I have called before to tell them to not let any payment go through if I have no money because I do not have overdraft protection. I can not afford to keep paying these nsf fees, obviously. I will be filing a complaint. Stop all transactions when I do not have any money in my account to repeatedly keep trying, causing my account to be overdrawn and accumulate fees. I am currently on state XXXX since XX/XX/2023 and still until this day have not gotten my XXXX money. I have no money to pay for my groceries, let alone these fees theyre attempting to charge me causing me more stress and XXXX as it is. I have no money right now to even buy groceries. My Bank of America EDD account has no funds for me to even use and my anxiety has sky rocketed.

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 2019-12-08
Company: CORELOGIC INC
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )

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 2023-09-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Chase Sapphire reserve credit card The balance for which was paid in full over a week prior to the statement closing date. However I was charged {$390.00} dollars for interest on a balance that was paid In full on the following statement. Chase refunded {$300.00} of interest but refused to refun the remainder.

Company response to consumer: Closed with explanation