BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-07-27
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:
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had accounts included in bankruptcy. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. the accounts must be fixed for their erroneous status : XXXX XXXX XXXX  Balance : {$0.00} CXXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have unknown and unauthorized inquiries 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed my account with Transunion for XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX They are reporting a charge off which is income. You can not have ordinary income on a credit report. They are defaming my reputation and falsely reporting misleading information on my credit report. I sent a dispute to XXXX XXXX but they sent me a stall letter saying i was using a credit repair company but i am not. But i have right use a credit repair company to help if i desired. I will XXXX the attorney general and the XXXX XXXX XXXX I gave no permissible purpose to report my information. All information on my credit report should be 100 percent accurate

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 2022-11-21
Company: JPMORGAN CHASE & CO.
State: WA
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:
XX/XX/2021 - Two charges, each of {$2800.00}, made to our Southwest Rapid Rewards credit card. Charges were for booking cruise with XXXX XXXX XXXX. 
XX/XX/2021 - Received email from XXXX XXXX XXXX that cruise was cancelled. 
Around XX/XX/2021 - Placed disputes on charges of {$2800.00} and {$2800.00} as XXXX XXXX communicated that refunds would not be given until 4-8 weeks later. 
XX/XX/2021 - Removed disputes on both charges in hopes of utilizing monies towards future cruise, received credits, etc. ( see attached XXXX XXXX cancellation email ). 
XX/XX/2021 - Booked NEW cruise with XXXX and was told that amounts for cancelled cruise could NOT be used as the dispute transactions were received. 

Asked Southwest Rapid Rewards to again apply disputes, but was told they were not able to, once they were released on XX/XX/XXXX. Chase Disputes team communicated that we must request refund from XXXX XXXX XXXX. 

For several months I have been in communication with XXXX XXXX XXXX and have asked for a refund on {$5600.00} ( two payments of {$2800.00} ). Each time the finance department researches my request and they come back saying that those payments were never received ( see attached email from XXXX saying no payment received ). 

On the other side, Chase Disputes team ( on behalf of Southwest Rapid Rewards ), say they have also researched the issue, and they say that they have received confirmation from the merchant bank for XXXX XXXX that both payments of {$2800.00} were received on XX/XX/2021. 

On one hand XXXX XXXX  XXXX  XXXX  says no payments were received, thus there are no amounts to refund. On the other hand, we have two Re-Bill charges of {$2800.00} that show on our XX/XX/2021 credit card stamenet from Southwest and Chase Disputes team saying they have received confirmation from XXXX XXXX ' merchant bank that funds WERE received. Both of these statements can not be true. Neither party will provide us tangible/physical evidence to their analysis and conclusion so that we could then go to the 'other party ' with actual proof. 

Either way, we are not liable to pay Southwest Rapid Rewards {$5600.00}. Mainly because XXXX  XXXX  say they have not received those funds, and second, Southwest/Chase will not help us in resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: 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 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, 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ] ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit score is being affected by a charge made by XXXX XXXX XXXX  XXXX after the fact I paid all my debt with them and made a payment XX/XX/XXXX. I was told I would receive a letter stating I paid off the debt. I never received a letter or notification about this or any other payment that needed to be made. After contacting the consumer financial protection bureau, the head of the total loss department XXXX XXXX XXXX XXXX, XXXX spoke to me over the phone on a recorded line and also mailed me saying that the credit situation was fixed, that after further investigation the account had been fixed, closed and the balance was paid in full yet I am still seeing a month or two later a late payment once again being reported from them. My credit continues to be affected and they continue to say I owe them money, which I dont

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 2023-02-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first learned of the ARS collections accounts associated with me when I received my credit report from a home mortgage lender on XXXX XX/XX/XXXX. There were XXXX open accounts with a total balance of {$2300.00}. These accounts were first opened in XX/XX/XXXX. I first contacted the collections agency Account Resolution Services ( ARS ) on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I learned from ARS that the address associated with the account, the name, and the date of birth of the person on the account did not match mine -- only the Social Security number matched mine. 

On the advice of ARS I contacted the medical billing firm from which ARS acquired the debt, XXXX, on XXXX XX/XX/XXXX. XXXX did not have any records of charges associated with my name, date of birth, or Social Security number. 

After this, I called ARS to dispute the debt associated with my Social Security number. They instructed me to formally dispute the debt and email them a copy of my driver 's license and SSN card to XXXX. I sent a dispute letter via email on XXXX XX/XX/XXXX. 

I called ARS back on XXXX XX/XX/XXXX to check the status of the dispute. I was told that there was no record of having received my dispute email which I sent on XXXX XX/XX/XXXX, and that there was no one " at their desk '' in the ARS clerical department who could confirm receipt of the email. The agent with whom I spoke relayed advice from their supervisor and told me to call back in a week. I asked to speak to a supervisor and was transferred to an automated answering machine, where I left a message explaining the situation. 

After all of this, I feel that ARS has no intention of reviewing my dispute claim, let alone in a timely manner. The affect of these erroneous, and before now unknown debts has significantly damaged my credit score which has halted my home buying process. The negligence of ARS in this matter has significantly altered my day-to-day life and my ability to reasonably plan for the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 


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

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish a account 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 non-monetary relief
Consumer complaint received 2022-09-28
Company: EdFinancial Services
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Called EdFinancial to refund my student loan payments made during COVID on XX/XX/XXXX, I was told I should have an update to my loan amount owed within an unreasonable amount of time. I see others who called AFTER me have updates, but none for me. No updates have been made to my loan amount nor have I received my refund amount of {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account opened on my credit report from XXXXXXXX XXXX XXXXXXXX! The account is XXXX XXXX XXXX the account number is XXXX. This is not my account and it is fraudulent. Its also defamation to my character by having this reporting to my credit report. I have reached out to the company but havent heard anything.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've been attempting to close my Bank of America account since XX/XX/XXXX. Despite reaching out to the automated service XXXX times ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), each instance was met with claims of system issues hindering the closure process. The company 's proposed solution was for me to visit a local branch. However, residing outside the U.S. makes this suggestion logistically unfeasible. In the meantime, monthly account maintenance fees continue to be charged, exacerbating the frustration of this ongoing situation.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 according to the fair credit act XXXX  accounts XXXX for XXXX by XXXX XXXX XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX Has violated my rights.15 usc 1681 section A states i hava a rights to privacy.Also 15 usc 601 section 604 section A 2 it also states a concomer reporter agency can not furnish a account without my written instruction

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 2023-10-24
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In fall of 2021 I paid off the balance of the account, attempted to close the account and they told me they would pause it. I only agreed if they guaranteed there would be no further charges made. 

In the ensuing months, the company decided that they would accept a charge from XXXX despite the fact that I told them I did not want any charges authorized. The account was frozen with no charges to be made. 

I complained about the charge, I told them I didn't want them to pay XXXX, and they reversed that charge. At that time I told them multiple times I wanted the account closed as they violated their promise and charged me without my consent. 

They continue asking for late fees on a charge I never authorized. I never wanted them to charge that amount, have called multiple times to tell them I will not be paying since they broke their verbal contract with me and that I wanted the account closed. They are continuing to send collection emails despite the fact that they are the ones who broke an agreement with their customer.

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 2023-07-13
Company: ClearPath Lending
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a flyer to participate in the VA IRRRL program from Clearpath Lending in XXXX of XXXX. I began the process to use the IRRRL program in XXXX of XXXX  to decrease our interest rate from 6.7 % to 4.99 %. Because we closed on our current loan in XXXX of XXXX, we were told that we would need to wait until our 7th payment posted on our current mortgage which ocurred in XXXX of XXXX 

Starting in XXXX, I requested a rate lock multiple times with our lender. I was repeatedly told that upper management was refusing our request. 

The lender called me today and told me that they had successfully locked our rate at 5.6 %, over a half percent higher than we were initially told. This bait and switch is massively detrimental to my household and our financial plans. 

The lender has also repeatedly told us that we could skip up to 2 mortgage payments to help us get cash back in our pocket, which is specifically disallowed according to the VA.gov website.

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