BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states " I have the right to PRIVACY '' 15 U.S.C 1681 section 604 A. section 2 : It also states " a consumer reporting agency can not furnish an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2023-04-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 Dear XXXX XXXX I am writing to request the removal of a late payment from my credit report in regards to XXXX XXXX XXXX. I understand that a late payment can have a negative impact on my credit score, and I am eager to improve my creditworthiness. I am a XXXX veteran and run a charitable 501c3 organization XXXX I am asking that credit one remove the late payments and I am attaching actual screenshots from my bank account which demonstrates that the payment was indeed not late.

I have made multiple attempts to rectify this late payment, but it remains on my credit report despite my efforts. I am now reaching out to Department of Veteran Affairs for legal assistance in this manner.

I have been a responsible borrower many years and have always made timely payments on all my other credit accounts. I believe that removing this late payment from my credit report will better reflect my creditworthiness and demonstrate my commitment to financial responsibility.

I again, respectfully request that you remove this late payment from my credit report. I understand that this is not an easy process and may require additional documentation from me. Please let me know what steps I need to take to make this happen. I can provide more documentation in addition the documents I am currently providing with this letter.

Thank you for your time and consideration. I look forward to resolving this matter and improving my credit score. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: TX
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 with product or service terms changing

Complaint:
Ive tried contacting Experian since my Experian account was canceled on XXXX XX/XX/2022 and finally got to speak with someone today. Two reps told my that my credit card didnt go through in which Im currently using so thats incorrect. Experian cancelled my {$19.00} membership and is now trying to make me pay more. Spoke with the first rep that put me on hold and hung up on me after she couldnt get help so I called back and spoke with another rep that was unwilling to help me so I asked for the supervisor. XXXX XXXX of membership told me there was nothing she could do and was very rude. Its amazing that these companies are not teaching Supervisors customer service. I would like to file a complaint against Experian.

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 2023-04-28
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: Account status incorrect

Complaint:
I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX, experian, and XXXX by phone and have received no 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 2023-04-28
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:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report contains inaccuracies. The documents I provided have been attached. The accounts on my report are 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 2023-04-28
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, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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. 

The dates and companies listed below have violated my rights on the dates listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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:
This account XXXX XXXX XXXX XXXX XXXX has violated my rights and section 15 USC 166B

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 2023-04-28
Company: Experian Information Solutions Inc.
State: CT
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: Didn't receive services that were advertised

Complaint:
During the Covid-19 Pandemic CRAs were suppose to assist consumers during the crises with free credit reporting. On XX/XX/2021, Experian had my credit score at XXXX, that following month, XX/XX/2021, I cancelled my Premium account but kept the Free Basic plan. 
I am a XXXX XXXX female American XXXX  veteran. 
Thank you!

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 2023-04-28
Company: Experian Information Solutions Inc.
State: NY
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:
As of XX/XX/28 this account continues to report inaccurate information such as account rating, closed date, highest balance, after a factual dispute investigation was requested and information came back as verified but all three bureaus are reporting inaccurate information from this company

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Un Authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a message from this number. 
XXXX XX/XX/2021 @ XXXX XXXX ( 2 ) hours to confirm your phone. ( XXXX XXXX XXXX ) [ XXXX ] [ XXXX ] Thats the message I received and I immediately knew its a scammer and so I did not open the link or anything so I blocked that number and want to report to you right away

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: REGIONS FINANCIAL CORPORATION
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had work done on my house and got a 'Same As Cash ' loan of {$16000.00} from Enerbank on XX/XX/XXXX. The terms of the loan were that I would pay no interest if I repaid it in full before XX/XX/XXXX. 

I arranged with my bank ( XXXX XXXX ) via 'Bill Pay ' for the loan to be repaid on XX/XX/XXXX. 

My XXXX XXXX send the funds via paper check ( I was expecting an EFT transfer, which, in my experience, is normal for Bank to Bank transactions ). 

On XX/XX/XXXX I received a letter from Enerbank stating that since I had not repaid my loan in full by the XX/XX/XXXX due date, I now owed the principal plus a year of 17.99 % interest ( {$2900.00} interest ). 

I called Enerbank that same day and, after waiting on hold for 55 minutes, I was told that Enerbank had not received my payment. I was also told that Enerbank does not accept ACH payments. 

I called XXXX XXXX where they confirmed that the payment had been sent, on time, but that it had not been cashed. 

I attempted to call Enerbank again, but they were closed. 

On XX/XX/XXXX I called XXXX XXXX and told them to cancel the payment. They agreed to send me a letter verifying that I had paid on time. 
On XX/XX/XXXX I attempted to call Enerbank, but they were closed for the weekend. 
On XX/XX/XXXX I attempted to pay via their payment website ( listed on the Enerbank statement as payments.enerbank.com, but their payment site would not accept the amount of the full loan, only {$330.00} monthly payment. 

On XX/XX/XXXX I called Enerbank. I was on hold for 1 hour and 20 minutes. At first, they insisted that I needed to pay the principal plus {$2900.00} in interest. I told them about the 'Good Faith Letter ' from XXXX XXXX and finally a manager approved canceling the debt if I paid the principal plus interest from XX/XX/XXXX to XX/XX/XXXX of {$110.00}. With regards to their website not accepting my payment they said that their system had recently changed and perhaps I had the wrong website. 

I paid, but I don't think that I should have had to pay the interest. I suspect that they deliberately make it difficult to make payments and make it difficult to contact the company and perhaps 'lose ' checks in order to force clients to pay their usurious interest rates.

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 2022-11-03
Company: EQUIFAX, 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:
My credit report contains inaccuracies. The documents I provided have been attached. The accounts on my report are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX unlawfully charged me {$300.00} for insurance I did not need or ask for, I refused to pay because I already had insurance and now theyve reported it to the bureaus and my credit is 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 2023-04-29
Company: Experian Information Solutions Inc.
State: PA
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 : Dept of EdXXXX XXXX Account name : # XXXX ; XXXX ( XXXX ) Account name : XXXX XXXX XXXX Account name : # XXXX, Account name : US Bankruptcy Court XXXX Account # XXXX ( Experian ), Account name : US Bankruptcy Court XXXX XXXX XXXX & XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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: Old information reappears or never goes away

Complaint:
In total, fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent which is significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Included is documentation I've from the XXXX XXXX XXXX which confirms that these debts have been consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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: Their investigation did not fix an error on your report

Complaint:
Accounts not removed and still showing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$220.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Account information incorrect

Complaint:
There are several inaccurate late payments from XXXX XXXX on my consumer report which violate 15 usc 1681c2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: BETHPAGE FEDERAL CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received 4 late mortgage payment charges in the last 12 months. My monthly mortgage statement says that if payment is received after the XXXX of the month I will be charged a late fee of {$36.00}. My mortgage payments are sent electronically from my bank ( XXXX XXXX Bill Pay service ). I never choose a date for delivery that can not be confirmed for delivery by bank and never choose a date past the XXXX of the month. My bank delivers payments electronically 1 day before scheduled payment date and issues a confirmation number. 

Of the 4 late fees in question, XXXX XXXX  has confirmed electronic delivery to Bethpage Mortgage Company no later than the XXXX of month of all 4 payments. 

If the late fee date is other than after the XXXX of month then mortgage statement should reflect it.

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 2023-05-01
Company: EQUIFAX, INC.
State: TN
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, has violated my rights. 

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

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

Company response to consumer: Closed with explanation