BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
2nd req to you, 4tth req to Transunion ... 
Duplicate hard inquiries appear on my credit report in error by XXXX on XX/XX/19 reducing my credit score. XXXX sent a letter TWICE to all 3 agencies indicating it was an error asking for both inquiries to be removed. ALL EXCEPT TransUnion removed the inquiries & kept them removed. This seems to have happened because TansUnion can't handle how they log inquiries when a customer has a FRAUD WARNING which I did. I had the same thing happen with a different creditor and TransUnion a year later. I TRIED THEIR ONLINE REMOVAL PROCESS which failed, resulting in a form letter telling me it was a valid inquery even though I attached the letter from XXXX telling them to remove. 

You investigated this previously, Transunion said they fixed it but they never did. NEITHER INQUIRY WAS REMOVED. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting 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:
Unauthorized hard inquiries from: 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: JPMORGAN CHASE & CO.
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:
Credit reporting shows I have a balance due. This always paid off every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: LEXISNEXIS
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: AZ
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:
This is the third time I've reported Experian for incorrect information on my credit report. Does your company do anything about it, or just send my complaint to them? Does the CFPB have any teeth or are you all bark?! 
I have an account on file with them from XXXX XXXX Bank that shows an outstanding balance of over {$800.00} dollars. 
XXXX has closed this and sent several AUD 's to Experian. However, it still exists on file and has now screwed me over when I tried to lease an apartment. This is absolute garbage. I called Experian several times and they keep telling me that because I already disputed it, they can't do anything about it. However, they never fixed it. So now when I try to tell them it's not correct, they dismiss it. XXXX has also contacted them and they've done nothing. I'll be filing against someone and would like to know who is responsible for this mess.

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 2023-03-16
Company: EQUIFAX, INC.
State: NJ
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:
The account with XXXX XXXX XXXX for repossession is reporting inaccurate information. I have a right to an accurate credit report by law.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$4600.00}

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 2022-09-07
Company: Experian Information Solutions Inc.
State: NC
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:
Account XXXX I noticed on my credit report with Experian that XXXX XXXX XXXX still reporting an account with terms being one month inaccurately. 

There were no terms agreed Upon and I never agreed to any terms for this account. Please validate this entry. 

I have disputed several irregularities with this account and still continue to find improper reporting. 

This is damaging me in a daily basis and fear this is causing my credit score to drop significantly. XXXX is knowingly, willfully and maliciously reporting an active payment history as you will see on 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 explanation
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I remitted a payment to my JP Morgan Chase credit card moments ago via the company 's mobile application on XXXX XXXX, 2016. The due date on via the app is XXXX XXXX ; however, in checking my recent charges/expenses, it showed that JP Morgan changed me a {$37.00} late, which was imposed on XXXX/XXXX/16, which happens to be the date of my payment. I spoke with a rep, who in a condescending tone, stated that any payments made online after XXXX would be considered late, despite the fact that it is XXXX. JP Morgan should not be imposing late fees base on the limitations or capabilities of its system ; instead, based on the agreed upon due date. JP Morgan has repeatedly charged me with, and thus reduced my available balance based upon faulty due dates and limitations on their system. This abrupt reduction in my available balance has also impacted my credit score. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 a fraudulent charge was made on my Bank of America VISA card in the amount of {$530.00}. 

I contacted Bank of America about this fraudulent charge and was told the charge would be taken care of in 3-5 days. Nothing happened, so a week later I contacted Bank of America again and was again told the matter would be resolved in 3-5 days. It's been over 3 weeks now and the charge remains on my credit card and I've heard nothing from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
Citibank NA had been performing a series of unfair practices strictly regulated by your agency. The most recent one was a NOT authorized hard credit pull on my XXXX on XX/XX/2019. I disputed with XXXX XXXX this info to ask them to show my written authorization which they failed to do so since I DID NOT authorize in any form to Citibank to request a hard copy of my report to XXXX XXXX  or XXXX never did that since Citi also lowered my max amount allowed on credit card ending in # XXXX making to drop my score from the XXXX to low XXXX. Citi has continually arbitrary practicing this unilateral practices and this one most recent on XX/XX/XXXX pulling credit making to appear a hard inquire instead a soft when they have the authority to do Citi took the wrong path and with no written or verbal authorization did this inquire that will be -for non sense- in my report for 2 years affecting credit for my future. With the hope Citi may follow regulations by Consumer Financial Bureau I'm reaching out to you. Looking to solve this issue soon.

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 2023-08-19
Company: Fidelity National Information Services, Inc. (FNIS)
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'm frustrated because my consumer report still contains incorrect names and addresses, even after I submitted my driver 's license and disputed the wrong information about a month ago. The company already has my accurate details, so it seems like they're not making the effort to do their part. They should be following the rules outlined in the FCRA to ensure they delete information that's wrong, incomplete, or unverifiable. While they did remove one inaccurate entry from my report, they haven't fixed all the mistakes, which I consider lazy on their part. This should be the last time I have to dispute these incorrect names and addresses. They already have the right information from my driver 's license, so it's frustrating that they're not being fair and doing their job properly. It shouldn't be difficult for them to review a report and remove information that doesn't match what I provided to them.

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 2022-09-07
Company: EQUIFAX, INC.
State: VA
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 am a natural person, I am a living human being. I have rights under 15 U.S.C. 1681 Equifax is governed by 15 U.S.C 1681 and they have violated my rights numerous times. I demand that the accounts listed below be removed. Because according to 15 U.S.C 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX No name account number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of the credit inquiry problem where the bureau deleted the inquiries then added them.back illegally and they will not delete my transunion inquiries

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 2017-08-22
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:
I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called NewRez LLC numerous times in regards to a credit dispute of a missed payment. The first inbound phone call, XX/XX/2022, call ended with a NewRez employee that incorrectly entered my account information for an ACH transfer causing a payment to not go through and become late. The second phone call XX/XX/2022 from NewRez to collect again ( due to the first ACH wire transfer not going through ) failed because they again used the incorrect account information entered by the first employee. The XXXX key on the original employees keyboard was not registering and the error was not caught by her or the second employee The account number was missing both XXXX. I was told that XXXX XXXX would listen to the recording, remove the late payment fee and wipe the credit score report. This never happened, the email was never responded to and I was left with impacted credit and late fees. From this point on all contacts were initiated by me, hours of my time spent waiting on hold only to get a different story after each phone call. They weren't even sure what month was actually late at that point. 

I have now paid 2 late fees and suffered a credit drop impacting my ability to do business. The communication from NewRez is non existent and phone calls usually end with the employee telling me to log in to their website and self service my loan. I have now requested a paperless account numerous times both over the phone and on the companies website due to our mail being un-reliable. It has never gone through, this entire situation could have been avoided if my requests for email servicing would have been taken seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: AMERICAN EXPRESS COMPANY
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express - I'm being charged way too much interest on my American Express Blue Card - the rate is 24 %. 

My credit score is above 740. 

I make all my payments on time. 

I use the card and pay it off in full each month. 


I have made repeated requests via phone and chat to have my interest rate lowered and I'm denied each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: YKS Acceptance, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We purchased a vehicle from XXXX XXXX ( YKS Acceptance Inc ) in XX/XX/2014 only to have it written as a lease rather than finance. We are very near the end of payments and can not get a straight answer on payoff amount. They have been in trouble for failing to disclose and fraudulent practices in the same time frame as our purchase. I asked for a complete statement of our account with all payments, fees, interest so I can see what exactly we were charged ( 60 % over the sale price ) for. They sent me a payment record showing dates of payments but with no other information. I emailed them asking for a detailed record of our account and they have gone completely silent. This all started because I went to make an online payment in XXXX only to find their website gone and that the company doesn't exist. They were bought out by another dealer but have largely the same staff there. We were not informed about any change and when we looked to find what was going on found how much trouble they had gotten in. When asked about it they blew it off as a " misinterpretation '' of the laws. But now they are refusing to send me information to verify that my account has been handled according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
I scheduled my second loan to paid off on XX/XX/2023. The loan was {$3500.00}. The payment was reversed but I never received an email or any other notification stating that there was an issue. Had I not logged into my account then I wouldnt have known that it had been reversed. The bank information I entered was correct because it was the same information I used to pay off the other loan on the account on XX/XX/2023. I specifically wanted to take advantage of not paying any interest on my loan, but since they reversed the payment I have to pay interest. I resubmitted my payment in full including the interest because I want to avoid more interest being added on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: IL
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 U.S.C 1681. 
Account Name : XXXX XXXX XXXX XXXX : {$2000.00} 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 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 fallowing items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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 information to be 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 2021-11-05
Company: Experian Information Solutions Inc.
State: NJ
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:
The aformentioned credit reporting agencies received information regarding identity theft related to the account they are reporting, XXXX XXXX  XXXX XXXX, XXXX and Experian received the identity theft report on XX/XX/XXXX, along with my identifying credentials ( social security card/State ID ). Pursuant to FCRA 15USC 1681c-2 ( a ) these agencies are in violation as they have not blocked this information from my credit report and have continued reporting the information. Additionally, they have not provided me with any documentation as to further investigation into this matter and the dispute has been deemed as resolved on both XXXX and Experian dispute centers located on their websites. I have filed additional complaints regarding the way this situation has been handled with my state 's Attorney General 's office. I am requesting all documentation regarding the method of verification, all information provided by the furnisher regarding this account as I need to ensure that a thorough investigation has been performed pursuant to my rights under FCRA, section 611. As of yesterday, I was notified by credit monitoring that XXXX is allowing manipulation of the payment history on this account. According to their own records, this account was closed and sold in XXXX. Attached, you will see where the payment history has been changed to reflect payments in XXXX and in XXXX, this gross misrepresentation on the account is displaying late payments were made between XX/XX/XXXX through XX/XX/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