BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
XXXX I disputed the payment information on my XXXX account, it was not showing paid in full months after it was paid. 
The account was deleted. 
Report Number Date Generated XXXX XX/XX/XXXX I followed up with CFPB XX/XX/XXXX in regards to this account back in XXXX. Then they deleted my second account with XXXX XXXX. It was deleted by choice not chance it seems. 
Report Number Date Generated 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 2023-07-25
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have requested several times for this unauthorized inquiry to be removed from my credit report. I did not authorize anyone or any company to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Personal information incorrect

Complaint:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX, IL XXXX and needs to be deleted. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-28
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:
with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

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 2020-07-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/13 I initiated an online transfer in the amount of {$2000.00} from my checking account at Suntrust to my checking account with XXXX XXXX XXXX. The transaction posted and debited from my Suntrust account. As of XXXX I have not received the funds in my XXXX XXXX XXXX account. I contacted XXXX XXXX XXXX on XXXX and they had no pending transactions. I also contacted Sutrust and was advised that the transaction failed and the funds were stuck although they removed the funds from my interest bearing checking account on XXXX. They are basically holding my {$2000.00} for no reason. This was money from a direct deposit from my payroll that I am entitled to. I have spent over 2 hours on the phone trying to resolve this. I was advised that they are now releasing the funds.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity 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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021 I opened an account with Transunion with the need to check my credit score. I was advertised that it was a free service but after completing the account I was charged XXXX XXXX This information was not clearly presented to me during the process and although I was a little annoyed I did not take any action. Four days ago I was checking my back account and saw that they once more automatically charged XXXX $ on my card ( on XX/XX/2021 ). I did not requested for any subscription but apparently this is a tactic they use. I logged back on Transunion online account to cancel this subscription and they have no clear way to do so. Online you can find several people in the same situation trying to cancel the subscription and failing. The only way to do so is to call them, but even this results difficult due to the poor customer service.

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 2019-10-29
Company: EQUIFAX, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-09-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Chexsystems is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Chexsystems and the financial institutions reporting collections/Charge-Offs, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original InformationOverview with the Internal Revenue Service against ALL entities involved

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 2020-10-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
JPMCB CARD is reporting me as an authorized user on someone else 's account.

It is not my account. I have been disputing this with the bureaus and you keep verifying it. It is not mine and I have never signed anything. I demand you remove my name from the account and delete it from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters to the bureaus informing them that I was in fact born in XXXX, not XXXX, and i have requested over and over again to validate various accounts that are being reported incorrectly and not once have I even received 1 letter to inform me that they acknowledge my concerns.

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 2019-10-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX, I received an email stating that 'I ' had transferred money - {$1700.00} -from my account to XXXX XXXX ' . The next emails were about changes made to my account. 

I did NOT authorize or make the payment to XXXX XXXX - nor did I authorize or make the changes to my account. I caught these transactions less than 4 hours from when they occurred and immediately contacted Bluebird by American Express. My card has always been with me. 

The agent asked many many questions and said they would open a case. It was supposed to take 1-2 days before someone called for more information. No one called. I called every day after that time period. I was continually asked if I knew this person. Obviously American Express thought I did this. 

I have been told they can not guarantee I will get my money back. That they are investigating. They must be aware of this continually occurring as there are many reports online of this exact same fraud. 

It has been a week with no resolution. Surely they can trace the IP address used to make the fraudulent transaction and also see that it was not me who made it. I have never paid an individual. I have only used the card to pay American Express bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX aka XXXX has been reporting false account information on my credit report for at least 3 years. On XX/XX/XXXX they updated a closed account from XX/XX/XXXX by changing my payment history. XXXX admit to reporting false information on my credit account for 3 years. My XX/XX/XXXX payment status went from 180 days late to 120 days late. Which dropped my credit score 91 points. On XX/XX/XXXX they admit to reporting false info on my payment status from XX/XX/XXXX from 180 days late to 120 days late. Dropping my credit score 4 more points. I have court documents that remove me from the responsibility of the loan. When I asked Equifax to investigate this I did not receive any help. I would like this investigated and removed from my file for falsely reporting inaccurate info for all these years. They have no reason to go back now and change my credit score. The account is closed and settled. Equifax also needs to be in trouble for not investigating what XXXX are doing here. XXXX reports false info on your credit file BEWARE!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: PA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent account.

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 2019-10-29
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2019 I made payment in addition to my normal monthly payment. I included instructions with my payment. The instructions stated ( 1 ) the over payment was to be applied to 1, and only 1, of my several student loans ( 2 ) The payment was to be applied to outstanding interest and then principal ( 3 ) The payment due date of the loan was not to be advanced ( the entire payment was to be applied immediately and ( 4 ) if the servicer could not follow my instructions, then the payment was to be refunded. 

My payment was not applied correctly. Instead of paying down the loan, Navient advanced the payment due date, resulting in XXXX payment each month on the loan additional interest accumulating on the {$300.00} of the loan principal that was supposed to be payed down. I emailed and called Navient to try and correct the problem. Despite saying they would fix the issue, the loan due date keeps getting advanced. It is now XX/XX/XXXX and the issue is still now resolved and my money has not been returned pursuant to my instructions. 

I am afraid to make extra payments because Navient ignores my written instructions, keeping me in debt for as long as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: MO
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 to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have made several attemps by sending dispute letters to all XXXX credit bureaus regarding enquiries and negative items on my credit reports. As of today XX/XX/2023 most of these accounts and enquiries are still showing on my credit report. Please remove them asap. I am having difficulties accessing any funding or even getting a job because of this issue. 

I need these companies to remove their accounts from my credit report immediately : XXXX XXXX XXXX in the amount of {$46000.00} XXXX XXXX XXXX  XXXX the amount of {$18000.00} XXXX XXXX XXXX. closed account XXXX XXXX  XXXX XXXX XXXX  charged off XXXX XXXX XXXX. closed account XXXX All XXXX XXXX XXXX XXXX XXXX XXXX  accounts for {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} And also the enquiries on my credit report aswell, XXXX  XXXX theirs but the other XXXX bureus did not. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: CO
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:
Experian and XXXX are reporting incorrectly that I am ( 60 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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