BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
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:
I previously disputed a tradeline held by the collection agency XXXX for the creditor XXXX/XXXX in the amount of {$300.00} on my Experian report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX/XXXX  account was transferred to XXXX XXXX XXXX who reported the same XXXX/XXXX  collection account for {$300.00} on my Experian report, which I disputed. However, Experian refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. Pursuant to XXXX U.S.C. XXXX of the FCRA, Experian is required to immediately remove the tradeline or face civil liability for willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX XXXX Account number : XXXX USDOE/XXXX  Account number : XXXX USDOE/XXXX  Account number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currently past due on my mortgage, which is serviced by Specialized Loan Servicing. When I tried to make a payment online ( XX/XX/19 ), I was unable to do so because of the delinquency, and was directed to call its service center. When calling the service center, the representative said that I would need to pay a fee to make the payment over the phone. I asked to speak with a supervisor, and was placed on a lengthy hold. When the agent returned, she said that the supervisor would call me back, which did not occur. 

I called back the next day, and had a similiar experience. The agent spoke with her supervisor, and still refused to waive the fee. 

It seems a bit unfair and abusive to restrict usage of the website, and still require someone to pay a fee, making it more difficult and expense to try to pay one 's mortgage. 

I asked the representative to file a complaint, but she said she could only log my " dissatisfaction. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act XX/XX/XXXX, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XX/XX/XXXX, I never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.

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 2022-09-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I believe that American Express may be discriminating against me due to my age. Taking into consideration my history of payment with them, my income ( which they are aware of. ) I see no other reason why the application could have been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called on XX/XX/2018 to dispute a {$3.00} transaction I have with Chase. I had tried to purchase a XXXX train ticket but the machine had told me that the transaction has failed. I received no ticket from the card and thus I assumed the pending transaction of {$3.00} would be dropped from my account. It was not so I called Chase to dispute the transaction and the representative refused to help me investigate the transaction unless I had my receipt for the XXXX train ticket that I was not able to purchase. I do not understand how such a large company would be unable to contact XXXX to dispute the transaction for me but would require a loyal customer to have proof, insinuating that I was lying about a {$3.00} charge. I would understand if the charge was an insane amount but {$3.00}? Come on Chase. Do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
talked with bank on auto loan that was paid off as of XX/XX/2017 but the bank is saying that i still owe on the vehicle, plus showing late payments on credit reports. However i have vehicle title and letter from bank that show that the car is paid in full. I have contacted the bank and all three credit reporting agencies, and have send this proof to the the credit reporting agencies to correct this error. But they are siding with the bank and reuse to remove the negative info. They are still reporting incorrect information and will only listen to the bank while i have sent the info via the credit reporting agency web site or via fax to them. They will not remove it and will not allow me to file another dispute to have them correct this data.

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 2019-04-17
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
SENT IN A PAYMENT ON MY AMERICAN EXPRESS INSTALLMENT # XXXX LOAN AND AMERICAN EXPRESS POSTED MY PAYMENT XX/XX/2019 WHAT WAS DESIGNATED AS THE XX/XX/XXXX PAYMENT .AMERICAN EXPRESS DID NOT ADVANCE DUE DATE TO XX/XX/XXXX.THEY TOOK MY PAYMENT AND DID NOT ADVANCE THE DUE DATE ALSO I HAVE REQUESTED IN THE PAST FOR AMERICAN EXPRESS TO PROVIDE MONTHLY STATEMENTS BY MAIL AND THEY HAVE NOT COMPLIED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am not clear as to why there is a balance for this account and why  XXXX  can not give me a clear explanation for this 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 2022-09-01
Company: Experian Information Solutions Inc.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$3500.00}

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 2019-07-18
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an account with XXXX XXXX and something happened on their end where I had previously bought something and paid it off but the balance never got XXXX  out so for whatever reason something happened to the payments and I stopped receiving statements and I forgot about the account until my fiance bought me a bracelet from there for my birthday in XXXX. So when he went to make the payment in XX/XX/XXXX. I asked him to check what was going on with my account well there was still a balance so he paid {$60.00} and again XXXX made another payment little did I know the account got sent to collections in XXXX. They didn't tell us that when the payment was made not did I receive notice until after those payments were made so I thought I was current then I got a collection letter not only that but the payments we made didn't even get applied luckily I had my receipts so I disputed the letter and sent my receipts and I heard nothing from that company so once I got my taxes I asked what my new amount was so I could pay it off and they gave me the same price without my 2 payments we made at XXXX XXXX personally before knowing that account was sent to collections and I said no I want my money that I paid applied and then I was my payoff they told me they could not do that and the case was under investigation so I called every week on my day off for a few months and it was still pending investigation so I they told me I would receive something once the investigation was concluded so I stopped calling and I never got any notice the investigation was even over and I went to check my credit report and they put negative marks on my credit bad been charging me and adding interest for months and I have never got a call or a letter since the original letter notifying me that my account was in collections. And every time I did call and every person at that company was super rude I just wanted to pay my debt and get credit for what I already paid and they treated me like I was a criminal on trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of 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 has reasonable cause to believe that the 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 non-monetary relief
Consumer complaint received 2017-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As of   XXXX      XXXX  has sent the attached updated information to Equifax. This information was given to Equifax several times by myself and  XXXX  to update my account. And   XXXX   XXXX   XXXX   is still showing as well as unverfied inquiries as originally reported. As of today, Equifax has not done so along with the other complaints I have filed. A lawsuit will be appropriate according to my attorney for Equifax 's negligance on updating and removing wrong inaccurate information from an consumer 's report causing a negative impact on there credit worthiness and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
ONEMAIN  XXXX   XXXX   XXXX   XXXX , TX  XXXX  This address sent me an email stating I was denied a loan. I did not apply for any type of loan. Someone else has used my personal information to apply for a loan. I did not provide my personal information nor did I give permission to use my personal information to  any one. I 'm in the process in repairing my credit. I have a very low credit score and I know myself I can not get a loan any where, so I do not apply for any types of loans until I get my credit score higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
XXXX Transunion and XXXX are reporting bad addresses fir my 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 2022-09-01
Company: Experian Information Solutions Inc.
State: NV
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 investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX ...... Date Opened XXXX XXXX XXXX Balance {$1900.00}

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below XXXX XXXX XXXX XXXX XXXX XXXX ...... Date Opened XXXX XXXX XXXX Balance {$1900.00}

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 2022-01-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I demand that the following account be removed immediately : XXXX XXXX XXXX  Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.

Company response to consumer: Closed with explanation