BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Reporting Agencies are reporting negative accounts that should be deleted, inaccurate information such as multiple addresses, charge off accounts not being removed, and still reporting delinquencies

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 2020-10-23
Company: Experian Information Solutions Inc.
State: MD
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:
EXPERION claimed that being less than 40 % of my loan is considered negative. I have succeeded in paying 40 % of my loan. Usually a situation like this would take 5 to 28 days to be corrected EXPERION has been going on 100 days from the time I pointed the glitch out And requesting for that less the 40 % Score factor to be remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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: Investigation took more than 30 days

Complaint:
These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have filed several disputes with XXXX, EQUIFAX, an XXXX  and I have received no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have filed several disputes with XXXX, XXXX, an TRANSUNION and I have received no answers.

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 2020-05-29
Company: AMERICAN EXPRESS COMPANY
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:
I am an XXXX XXXX military member, and have been since XX/XX/XXXX when I entered the United States XXXX XXXX. Under the Military Lending Act ( MLA ), American Express waives annual fees for XXXX XXXX military. Three of my American Express credit cards have waived my annual fees. The fee will appear on my account, and after I call American Express they waive it by issuing a credit that effectively wipes out the fee. Recently, I was approved for the American Express XXXX XXXX XXXX XXXX which has a {$450.00} annual fee that is waived for military members just like all the others. After calling to have the annual fee waived for this card, I was told that they would process my request and, if approved, the credit would be issued 3 to 4 weeks later. This was normal, so I had nothing to worry about. After over a month of waiting, COVID-19 had swept over the country, causing delays and shutdowns for many companies. I figured American Express was just slowed down. In XXXX, I called again and they ended up submitting another request for the fee to be waived. Now it's end of XXXX, I called again several times and have spoken to multiple customer service employees at this point. Now they're saying that they won't waive the fee this year because either I wasn't XXXX XXXX until my commissioning date on XX/XX/XXXX ( which is false ) or that their records report that I wasn't in the military until XX/XX/XXXX ( which is also false ). I've had the other cards between XXXX of XXXX and XXXX of XXXX that have waived their fees for me. I really like American Express and I also have a savings account with them so I am disappointed that they're refusing to issue me a {$450.00} credit after this misunderstanding of start dates. To be clear, I entered XXXX XXXX as an XXXX XXXX cadet in XXXX, and was only commissioned as an XXXX in XXXX of XXXX. Please help me make it clear to American Express that I have been covered under MLA since I entered the United States Armed Forces.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: MA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 16011 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

DELETE THESE LATE PAYMENTS PURSUANT TO 15 USC 1681A ( d ) ( 2 ) ( i ) XXXX XXXX XXXX XXXX From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things, XXXX XXXX XXXXXXXX XXXX XXXX 

DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Rights Reserved Without Prejudice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a mortgage forbearance in the start of the pandemic XXXX of 2020. Their should have not report me late in XXXX of 2020 because of the forbearance. This really effects my credit score, I asked them about it about it but there was a miscommunication with the representative and the forbearance program was not added / removed. Since then I got into a mortgage modification. I was understanding that the past lates where going to be removed when agreeing to the modification. Since starting the trial program and entering the mortgage modification I have been on time with all my payments. I hope they can help me removing the latest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: NV
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, Experian- XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX, 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX 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 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 and other adverse item of information, other than records of conviction 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 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 explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX I have expressed to XXXX, XXXX XXXX. EQUIFAX that they were not REPORTING my XXXX XXXX  CREDIT CARD. Date open XX/XX/XXXX Credit History 7 years 11 Months ALL 3 REMOVE this information XX/XX/XXXX. 

This has possessed a INTENTIONAL NEGATIVE AFFECT on my PERSONAL and BUSINESS! 

Each bureau, XXXX, Equifax, XXXX have COST my Business at LEAST {$10000.00}. Dollars of BUSINESS CREDIT! 

I reach out to them on 6 occasions. NO RESULTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
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:
sent dispute on XX/XX/2021 to XXXX, XXXX, XXXX and, chex system through certified mail no. ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) .with a formal dispute with instruction and a affidavit of truth and facts or notice of intent to sue for violation committed by these companies disregarding the law taking abuse on a consumers rights.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX I # XXXX Account XXXX XXXX XXXX I XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: MS
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 XXXX, XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$11000.00} US DEPT of Education, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX  XXXX XXXX XXXX, Account # XXXX 15 USC 1681 602 States " I have the right to privacy. '' 15 USC1681 604 A Section states " a consumer reporting agency can not furnish an account without my written instructions. '' 15 USC 1666B states " a creditor may not treat a payment on a credit card 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 2022-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am currently reaching out to the CFPB for help regarding an account with XXXX XXXX that hat has caused me severe health, economic and emotional problems. In XXXX I spend XXXX dollars with XXXX and paid it back without a problem, in XXXX my business was disrupted because of XXXX  and I was closed down unexpectedly. This caused me to miss 3 monthly payments with XXXX. I reached out to XXXX explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments XXXX promised to reinstate my account. 
This agreement has been breached by XXXX. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with Experian, but XXXX refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of XXXX XXXX has caused me the opportunity to qualify for a loan that would have saved my business and home. 
XXXX has shown no mercy and has refused to correct the error. XXXX has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2021-05-27
Company: EQUIFAX, INC.
State: IN
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 XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Was not notified of investigation status or results

Complaint:
Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus.

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA.

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have been treated very shabbily by Capital One Sparks Business Cards. I believe that I have been discriminated against based on my XXXX and/or my XXXX surname and as a XXXX XXXX XXXX. On or about XX/XX/2019, I made an on-line application for a Business Sparks Card. On XX/XX/XXXX, I received a correspondence that had the name of my XXXX entered incorrectly. I called back on or about XX/XX/XXXX, and spoke with a Supervisor. She explained that the application could not be accepted because the name wasn't entered correctly. She stayed on the phone while I redid the application. She made sure that the application was correct. She said also said that I would need to resubmit the Certificate of Formation XXXX XXXX XXXX. I faxed it that afternoon and then mailed a hard copy on or before XX/XX/2019. 

I called back to check on the status on or before XX/XX/2019, to check on the application and was told it was too early to check it was sent to the back office and that I would need to call back around XX/XX/XXXX. I waited and called today, and was told that my application was NOT sent to the back yet because the documents were not acceptable. I sent copies of the original sent to me by the Secretary of State of Texas,  which had my name, the name of the company and the business address all on the page. XXXX, who claimed he was a supervisor, said that the paperwork sent on XX/XX/2019, was not acceptable. I am extremely upset. I filed a complaint with the Attorney General of the State of Texas that I believed I was being discriminated against because I was a woman and a small business owner. 

He then said I needed to send the information on the back of the letter ( which I had already faxed and mailed ). He said he would resend it to the back to be evaluated. I called back 2 hours later and was told it was still pending. He said an email was sent by the Supervisor and he would send an email. I again faxed the information at XXXX EST on XX/XX/2019.

Company response to consumer: Closed with explanation