BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase strikes again. My wife and I were at XXXX and tried to reload our XXXX cards with {$25.00} through our XXXX apps, her using the main account we have and me using our joint account. We 've been doing this for a year and a half now on these same accounts and same cards - nothing has changed. Well, the app kept giving us an error that the system was not available, so we each tried to load funds 3 times because it sounded like a connection error. We could n't get it to work and finally paid with cash. Right after we leave I check on my Chase app and we each have XXXX PENDING TRANSACTIONS FOR XXXX DOLLARS EACH, BUT THERE ARE NO FUNDS AVAILABLE TO EITHER OF US ON OUR XXXX CARD. We immediatley called Chase customer service. They feed us the bs line that it 's for our protection and convenience. How is it convenient for us to not be able to use OUR MONEY and have them DEDUCT MONEY FROM XXXX OF OUR ACCOUNTS WITHOUT US GETTING THE GOOD OR SERVICES AND HAVING TO SPEND HOURS WITH THEM ON THE PHONE WAITING FOR OUR {$150.00} IN CASH TO BE RETURNED TO US? We have had it with Chase. We 've opened another account and will empty these accounts and then never use them again. They are despicable and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have Disputed several accounts that appear on my report, but have not heard anything yet. I also need to dispute some of my personal information that appears on my credit report. My Current address, and Employment are not correct. I am not employed but on Social Security XXXX as monthly income. I would like that included on my credit report to reflect that I do have a monthly income.

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 2017-02-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote the credit reporting company to dispute that they have a bankruptcy listed on my credit file. I asked for information on how they verified this to be my account that they are reporting incorrectly. They have responded that they verified that this is my account. They stated that this was verified and no change to my report. They indicated that it was verified by US Bankruptcy Court KY XXXX so I contacted the courts and they said that they do not verify anyone 's information and all my records are frozen so I want to know where they are obtaining this information. They are boldly reporting false information and reporting their false investigation methods.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
the accounts listed are fraudulent someone use my social security number and photo id to open these fraudulent accounts in my name i have made criminal complaints with local and federal agencies I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2016-11-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX pulled my credit without my authorization and permissible purpose. 
I have attached documentation. I need this removed.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft 3 account were opened in my name. Fraud reports and ftc reports already made Experian and XXXX did not remove these accounts after proof was given from authorities XXXX  XXXX XXXX Balance {$5800.00} XX/XX/2023 XXXX  XXXX XXXX Balance {$4700.00} XX/XX/2023 XXXX XXXX XXXX Balance {$6800.00} XX/XX/2023 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 2016-06-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was under the impression that XXXX was the " official '' site to get all three credit reports for free. I was allowed to get my Experian credit report. But when I tried to get the other XXXX, I was told they were unable to process my request and instructed to send in a lot of paperwork and personal information via mail. Last year I was only able to access XXXX, not including XXXX. I 'm not sure what 's going on, but after an online search, I am finding that many other people are experiencing the exact same problem. I am trying to find work, and I think my credit is keeping that from happening, which, by the way, should n't be allowed ; it 's very discriminatory. I feel that I am not allowed to access vital credit information that is vital to my well being and self-sufficiency. Each year, it seems like we lose more and more control over our finances as banks use our credit information against us regarding housing, employment and other areas. Is there anything you can do to help? 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 2015-05-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Apparently I signed up for a 1 week trial when I viewed my credit report in XXXX. I apparently forgot to cancel the service. Some 3 months later, Experian wants to charge me for the service even though I did not use it and signed up for it 3 months ago. The representative refused to refund the charge when it is apparent I have never used the service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I 've tried on several occasions ( dating back to XXXX 2016 ) to get this debt verified and proof that it belonged to me. I have not received a response or documentation showing proof that the debt belongs to me. I 've sent several letters requesting information pertaining to this debt and I have yet received a response or information I requested.

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 2015-12-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian reporting incorrect/false information on my credit report relating to a XXXX XXXX account that is not mine. I have never had a XXXX account nor have I ever authorized the use of their services

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i am a XXXX on pension vet..i had XXXX every week that XXXX out sourced by the va ... my XXXX was sent to a local hospital by the outsourced nurse..the va paid the nurse but the nurse did not pay the hospital for XXXX done..the hospital billed me as the patient..i was told by the va to have all bills resubmitted for payment..the hospital said the va paid the bill already so instead of billing the people that submitted the XXXX they put it on my credit as a collection..i had the billed paid in full but its on my credit as if its my fault ... said it would remain on me to let others know ive had problems in hte past..its not my bill..please help..i am almost to the point of filing bankruptcy cause of it.the va paid once and the XXXX XXXX people did not pay the hospital..i hope u can understand my problem ..im not to good at explaining myself being im XXXX years old now..as i said 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 2016-03-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I own many rental properties, and nearly all have washer and dryers for the tenants. We needed a washer and dryer for a unit so I went to XXXX to buy them on XXXX XXXX, 2015. The sales clerk advised me that I could save 5 % if I immediately opened an account. I did so. Upon receipt of my bill, {$3200.00}, I paid the bill in full by sending a payment to XXXX. 
Now I see on my credit report that XXXX is claiming I failed to pay on time and that I failed to pay a late fee. I was never advised that my payment was late, and did n't know of the issue until I recently received my credit report. I want this deleted from my credit 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 2023-06-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am having issues applying for credit because of this fraud alert that is on my file. I have tried to log in to review my report to see what number is reporting to contact me and their website has changed the review report again link and it is not letting me view my report. I would just like to remove this fraud alert completely from my file. I have purchased a credit monitoring service and have guarded my report in this matter. Please remove the fraud alert from my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because EXPERIAN has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible, 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 2016-10-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have called Experian numerous times to have hard inquiries that were not mine removed off my credit report. I have requested signed applications of proof of the inquiries posted to my credit report on XXXX/XXXX/2016 and XXXX/XXXX/2016. All investigations sent back to me case closed with no signed evidence that I applied for the credit. I also spoke with an Experian representative who put a fraud alert on my report on XXXX/XXXX/2016 and I have not received a response and it is past 30 days. I have also sent a certified, notarized letter to both Experian and XXXX on XXXX/XXXX/2016 requesting proof of inquiries or they must remove the hard inquiries. The certified tracking numbers are USPS XXXX and 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 2016-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX was removed from XXXX and Experian credit reports due to the accounts being mis dated to appear new when they are over 10 years old. This company has reinserted XXXX charges to my credit and dated them XXXX 2016 I was not notified by anyone that these would be placed back on my credit.

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 2017-03-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For the past 6 months I have tried to work with Experian and have XXXX improperly placed accounts removed from my credit. I do understand mistakes happen but i am having problems with them correcting the error. 
XXXX Account Number XXXX BK Reference # 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 2016-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors University XXXX, XXXX, and XXXX. and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. 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 2015-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Ive been paying $ XXXX/month for a repossessed vehicle. I have not worked since XX/XX/XXXX due to hospitalizations and illness. I have nothing left to live on and it is very unfair. Im no longer working so there isnt anything to garnish. Im not eligible for unemployment so Im relying on others for assistance with necessities, my account has even been over drafted multiple times as a result of the $ XXXX/month. Ive contacted the number on the description, but this has been going on since XX/XX/XXXX if Im not mistaken. Someone please help me, I feel like Im drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: ACCESS GROUP INC.
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I contacted Access Group back in XXXX XXXX about several negative marks against my credit bureau. Access Group sent me a letter XXXX/XXXX/XXXX explaining the issued was the fault of Access Group and that they would contact all XXXX bureaus and request a good standing/Loan has been paid in full. 

Now we are in the XXXX and I am saving for house, well my broker runs my credit and says that I have a lot of negative marks. So I get in touch with Access Group and I get the run around for a couple of day 's. Well I have received a XXXX letter from Access Group five years later stating the same old thing. This discrepancy is our fault and we will contact the credit bureaus and make sure it is removed. It will take approximately XXXX to be removed. That Letter was dated XXXX/XXXX/XXXX and we are now in the middle of XXXX and the derogatory marks are still on my credit 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 2016-02-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
there was a fraudulent credit inquirey from one main financial. i filed a claim with you and the matter was resolved as fraudulent inquirey and was to be removed. you have the letter from one main financial in their reply to you. it is STILL on my credit report. I need it removed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation