BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I filed a complaint through Experian to have a 30 day late removed from my credit report ( Report Number : XXXX ) I contacted XXXX XXXXXXXX in XXXX to tell them of my hardship during the Coronavirus. 

They allowed me to defer a payment but it later showed up on my Credit Report as a 30 day late for the month of XXXX. 

In the time that I have had this card there has never been any 30 date late entries. I also have another card with XXXX XXXX that has never had any 30 day lates. 

XXXX XXXX denied the complaint but did an update to my file showed the 30 day late in XXXX and showed ND ( No Data ) for the month of XXXX on my report. What does ND mean and why is it there?

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible Purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENITITY THEFT.

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 2021-11-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint against : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Property Manager XXXX XXXX, Supervisor " XXXX '' During my stay at XXXX XXXX as a renter, complained to Manager about unsanitary and unsafe conditions. XXXX XXXX did not provided services promised in contract. We complained, and never got the services requested. Vandalism and breaking and entering to XXXX XXXX property and a neighbor occured.Felt unsafe.Ask to be relocated to another apartment and they asked for additional money. The trash container was next to our apartment. Trash was tossed to container and did not landed inside, having very frequently trash in our door step. Dogs XXXX outside our apartment. Dust with dehydreded XXXX entered our apartment, windows did not sealed our dust. We became ill. Asked to leave. Reprisals came. Vacated apartment within legal conditions. My son suffered accidet. Maintenance accepted they had misinstalled handle to use in bathroom. When vacated the apartment, we were overcharged with costs we disputed. They send one notification to my father 's house. He was in hospital, when discharged we learned our bill was sent to collections. Communicated with XXXX  and disputed. They lowered the amount due. Got several conflicting e mails threatenning legal action from XXXX XXXX. By that time I already paid half of the debt. XXXX sold my personal information to Collectors, including my father 's as well. My father after discharged got threatenning phonecalls. Got sick because of that. Question : how can they threaten me with legal action XXXX if they sold my debt and personal information ( mine, and two sins ) without authorization? When the collector started to threaten XXXX was asking for XXXX usd, but then they accepted my dispute I owed and never declined to pay, XXXX charged me XXXX usd, a totally different debt. This invalidated the previous collection. Please help. My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 currently seeking assistance in my investigation I am i victim of identity theft. When I turned XXXX I was seeking credit and was shocked to see a credit profile was already created and destroyed and now I have to out my dreams on hold of becoming a business owner because my credit is in shambles.

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 2017-07-07
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Planet Home Lending sold my loan without proper notification to XXXX XXXX. This is now the third mortgage company in less than a year. It is completely unethical and unreasonable for a mortgage company to sell my loan WITHOUT notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Dear Sir/Madam, I am writing to dispute several inaccurate items on my credit report. After reviewing my credit report, I have identified several negative items that are harming my credit score. The following items are incorrect and must be deleted from my report immediately : XXXX XXXX  Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the Fair Credit Reporting Act ( FCRA ), you are required to update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, WI XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the FCRA, you are required to update this account and delete the inaccurate information immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that you remove it from my report immediately. According to the FCRA, you are required to investigate and verify the accuracy of this inquiry. 

I request that you investigate these items and take action to correct the inaccuracies on my credit report. I expect a prompt response from you within 30 days of receiving this letter. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-08-16
Company: Experian Information Solutions Inc.
State: SC
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:
This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by XXXX and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give XXXX, XXXX nor Experian, written permission to furnish these accounts. 

XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2021-04-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX of XXXX, I opened a checking account with Chase at their XXXX XXXX branch. Mr XXXX XXXX assured me that even with a smaller initial deposit, I will not be charged banking fees cuz it will be linked to an annuity I have purchased with them years ago. Then last XX/XX/XXXX, I discovered that Chase had started charging me banking fees of $ XXXX since last XX/XX/XXXX, without notifying me. Its a small account, I could have just closed it. They refunded me {$100.00} but refused to refund me the rest XXXX {$170.00}. ) I called and talked to several people but they referred me to Mr. XXXX XXXX. When I eventually got him he promised but never calked me back. No response to my email either. Banks are required to be transparent in all their dealings with their customers. I am retired and on fixed income, I have to be careful how I spend my money especially now that everything has gone up drastically due to COVID. Thanks for your attention and help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The amount of the monthly payments that I'm supposed to pay is astronomical. I don't remember my agreement saying that much every 2 weeks because I would have never agreed to take on that much more in monthly debt because that means not being able to feed my kids, I don't know if They approved without validating my income or proof that I could repay. I had multiple overdraft fees on my l account, and it didn't maintain a positive balance for very long. My credit card usage went up dramatically in the past year, and my credit score went down drastically as well. I was desperate for income due to medical bills from my wife 's numerous medical bills and had been applying for multiple loans. Anyone could see that I was already overextended, and this is by definition, predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax Credit Bureaus 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I trust this letter finds you well. I am writing to you with regards to my recent discovery of late payments reported on my credit file, specifically related to my account with BARCLAYS BANK/OLD NAVY . Upon reviewing my credit report, I noticed that late payments were recorded during a specific period, and I believe these were a result of a unique circumstance. 

BARCLAYS BANK/OLD NAVY XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BARCLAYS BANK/OLD NAVY customer service representative XXXX 

I would like to provide context for these late payments. During the mentioned period, I did not receive my regular account statements from BARCLAYS BANK/OLD NAVY . After investigating the matter, I learned that the lack of statements was attributed to a very small balance in my account during that specific time frame. 

I fully understand the importance of maintaining a positive credit history, and I take responsibility for any oversights in managing my account. However, the late payments occurred due to circumstances beyond my control, namely the absence of statements that would have alerted me to any outstanding balances. 

I am writing to kindly request your consideration in performing a goodwill adjustment to remove or modify the reported late payments from my credit history. I believe that the unique circumstances surrounding the missing statements and the resulting late payments do not accurately reflect my usual financial behavior. 

Enclosed with this letter, please find supporting documents, including bank statements and proof of my efforts to bring the account current. I am committed to rectifying any outstanding issues and ensuring my account remains in good standing. 

I sincerely hope that BARCLAYS BANK/OLD NAVY will understand this exceptional situation and grant a goodwill adjustment, helping to rectify the impact on my credit score. I appreciate your time and understanding in this matter.

Thank you for your consideration.

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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 Myself XXXX XXXX applied for a apartment with my cousin XXXX XXXX we also had to get a money order from XXXX  to pay for the deposit, but we put the money order in my cousins name. Long story short we didn't get approved for the apartment so they gave up the money order for XXXX dollars back with their apartment name still on the money order and so was my cousin XXXX XXXX name. I thought they would have just gave us a new blank money order but they gave me the one we gave them. So the next day I take my money order and the receipt to my local chase branch in Texas because that's were we was trying to move to in XXXX Texas I ask the teller if I can scratch the apartment people name off and put mines she said no problem and didn't even take the receipt I gave her from XXXX  and these video recordings in the bank should still exist of me handing over the receipt and all. The bank teller deposit my money order it took 7 days for it to clear, then I went to the atm they said my account was frozen so I called chase and I was already in the negative XXXX something dollars but my account had a active balance of like XXXX remaining after the money order cleared. They asked when I called over the phone to take my receipt to the branch and have them upload to their Vault That's is like a chase system where they say it take 24 to 48 hr for them to see it. I did this reppeadlty for 2 weeks over 5 times and the phone conversation were recorded I would Like to get those recording from the phone and in the bank for evidence and I still have my recepit. I even called XXXX  to make sure everything was still good on they end the place were we made the purchase for the money order. They dont no if I needed those funds to apply for another apartment or what every time I call like just 2 week ago they said my check was Mailed out now today I had to most rude experience of them not trying to help me so they was not sending out my check. I want to sue for damages and more for all they put me through I was a loyal customer for over 7 years and they closed my account and have release my funds yet due to this where I did nothing wrong and have all the evidence to prove it. The lady I spoke with today wouldn't give my access to the conversations she said I had to get a lawyer to do that I really want a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: I.C. System, 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:
On XX/XX/2021 I sent a formal complaint and dispute letter notifying XXXX of an inaccurate account showing on my credit file. Under FCRA section 609 XXXX had 30 days to investigate and either verify and validate the account or remove it from my credit file. XXXX has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows : I C System XXXX XXXX XXXX XXXX XXXX, MN 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 explanation