BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called Experian and they stated that they can not investigate negative accounts on my credit report because they needed additional information. First of all this is a violation of the FCRA to deny me an investigation of these accounts. Second, I am not merely disputing certain aspects of these accounts as before. But, now I am disputing everything possible imaginable that is reporting on my credit regarding these accounts as well as notations. I also sent letters to each of the collectors and collectors to verify this information that they claim they have verified. 
I sent the following letters to verify accounts with the certified tracking numbers below : 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 2015-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a credit card with XXXX XXXX and I am an active duty service member. Under the SCRA, XXXX XXXX does not assess Annual fees on credit cards. The card in question was originally issued by XXXX Bank which was later absorbed by XXXX XXXX. On XXXX XXXX XXXX, I called the credit card company and paid the balance down to zero, then stated that I was leaving for deployment and that I did n't want a balance remaining due to the limited access to the internet and phone to make any payments should I use my card, I also updated my address so that I could receive correspondence. I left for deployment XXXX XXXX XXXX. On XXXX XXXX XXXX, an annual fee of {$59.00} was placed on my account. I never received a statement for this. On XXXX XXXX XXXX, I received a credit alert at my .mil email address stating that my account was 60 days past due. Immediately I paid the account because I happened to be in an area where phones were available. I returned from that deployment XXXX XXXX XXXX. The only time the account has ever been late since it was opened in XXXX XXXX was after this fee was assessed. It is not fair that I was charged an annual fee and keep getting charged an annual fee, especially since it is stated on XXXX XXXX 's website that they do not assess fees against active duty XXXX under the Servicemember 's Civil Relief Act. On XXXX XXXX XXXX, I talked to a representative at XXXX XXXX explaining my situation. I was told by the rep that they would send out letters to all of the Credit Agencies, and one to myself, to remove the 30 and 60 day late account status from my credit report. That never happened. I would like these negative remarks removed from my credit, it is wrong that they are still there after three years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed items that do not belong to me because I am a victim of ID theft and the credit reporting agencies still have items showing on my credit report as negative.This is effecting me with me getting life insurance and employment. I have also contacted each creditor and I sent supporting documents as proof that my personal information was used in a tax fraud scam.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting AcXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX have 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.

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 2016-01-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Had a foreclosure on a property in XX/XX/XXXX which included my XXXX and XXXX with XXXX XXXX XXXX. We were released from any further action or collection at that time from the relief issued at that time to mortgage holders. The house was sold and they recouped almost all of their money. Either way the accounts should have been marked as foreclosure and stopped reporting. Then XXXX XXXX XXXX started trying to collect on the XXXX mortgage even though the lien was released and they were done collecting supposedly. To date they are still reporting on credit, as a Mortgage account which it can not be because the house was given XX/XX/XXXX yet Experian is still showing it as 120 days late as of XX/XX/XXXX and has been reporting it this way and ruining my credit since XX/XX/XXXX. I have challenged it with Experian and they have verified that is reporting properly, I have asked for the note that shows I still owe it if the property is foreclosed on and they will not respond or produce any validation information. Then they transfered it to a company name XXXX that has also been trying to collect it from me and we have even tried to pay them to get it to go away. Either way the are both reporting at the same time n my credit, I dont owe and shouldnt owe either of them and they are hurting my credit and I am unable to get any relief after disputing the misreporting with Experian and XXXX for XXXX and then again Experian for XXXX XXXX XXXX. I have read about my rights and this is a clear violation of FCRA and they are liable for hurting my credit and keeping me from reestablishing my credit and buying a home. Please help enforce this and keep them from hurting my credit any longer. I have uploaded the most recent credit report from the mortgage company that said I dont qualify and only because of these reporting accounts. I have also attached the response from Experian. I tried to challenge them again asking for validation and they sent me a notice saying I can dispute any longer as well. I have attached that as well. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've been receiving late fees from Infiniti Financial Services for well over a year without my knowledge. Since I financed this car on XX/XX/21, my loan account has been set up with an automatic payment of {$590.00}. An XXXX agent recently informed me that I'm almost {$1500.00} in arrears. When I pressed him for further information, he said that although they had been collecting monthly payments, they had been applying them to the prior month and charging late fees because my first payment had been rejected. I questioned why they didn't simply notify me of these difficulties back then via phone, email, or mail so I could confirm the payment as opposed to allowing fees to accumulate over a year. What dates did you, XXXX, send any late correspondence, I then asked? Who gave you, IXXXX permission to simply use my monthly payments for the prior month without notifying me? XXXX 's representative accused me of neglecting to check my online account more frequently. Why would I research something when I already know I'm making monthly payments through my bank? 

As it turns out, my bank account balance was more than sufficient to make the first payment and wasn't in default back then and still in current. Attached is my XXXX statements that shows I paid the initial XXXX payment early on XX/XX/21. ( I wasnt sure of the exact amount so I rounded it off to {$590.00} ) Then paid XXXX shortly thereafter on XX/XX/21, in the exact amount of {$590.00}, still with ample enough money in account to cover the full amount. 

With so many unfair, fraudulent late fees, my credit score has plummeted, and XXXX isn't doing anything to help me resolve the problem that they deliberately caused. Due to their lack of accountability and communication, my credit is severely damaged with the three ( 3 ) bureaus and now, I no longer want this vehicle. Please assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Currently on 3rd dispute with Experian ( not on any other CR ) XXXX account number per CR XXXX 1st disputed as not mine and supplied police report, ftc, and statement. 
Experian response will take 30 days. When I called up they said 605b request to block must name XXXX specifically. 

2nd dispute, supplied police report with XXXX named as fraudulent. 
Response from Experian wait 30 days request for block denied with no reason. 
30 days passed account changed from charge off with balance to charge off XXXX balance? 
I recived a letter from XXXX stating I am no longer liable for the debt. I uploaded document to Experian and called in. 
On XX/XX/XXXX Experian employee XXXX XXXX ( Super helpful ) actually called WFDS with me on the line. 
XXXX - we do n't have that account number. 
Can we try your Ssn. 
We found that account, charge off with ( name edited ) account included in bankruptcy with ( name edited ). 

Me- this is a fraudulent account, I did n't do-sign with her. 

XXXX would you like to open up an investigation? 

Me -yes. I also have a letter releasing me from liability of this account! 

XXXX correct you are no longer liable. 

Experian - response, we ca n't remove it as XXXX did n't verify it as fraudulent. Open up a case with them and then re-dispute. 

So how did they ( Experian ) investigate this the last 2 times if XXXX has no inclination that I was claiming it as fraudulent. 
I need ( Experian ) to follow FCRA 605b Block fraudulent information and or conduct an adequate investigation! 
The account number it self is n't even correct! 
Maybe start off by telling the creditor that it is claimed as a fraudulent 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 non-monetary relief
Consumer complaint received 2016-11-04
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Bought XXXX XXXX XXXX cards ( XXXX transactions back to back {$1000.00} each for XXXX {$500.00} cards ) at a XXXX on XXXX. Used XXXX. Have done this many times in the past. Charge posted to XXXX. XXXX of XXXX cards failed to activate. XXXX card, although not used as of this time, appears active with access to the full {$500.00}. Called XXXX/Incomm cust service immediately, within one hour of purchase -- usually activated within ten minutes. 

After a very long hold to reach a human, got the run-around saying system error, problem will be fixed in 2 hours, we can not even access your card information. 

It has been three business days and again, only XXXX card shows a balance, the other XXXX are not recognized by their system. 

Their incident process is intolerable. 
I have notified the General Manager at the XXXX store before doing an XXXX charge back so she is aware this is not any attempt on my part at fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX 2015 @ approx. XXXX pst, I went to the XXXX located on XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX for an ATM withdrawal. The ATM gave me an error message of " unable to process request '' and gave me XXXX options- try new transaction or give back card, knowing what my true balance was I knew this was a mistake so I opted to try new transaction and received the same message " unable to process request '', so I decided to press the " give back card '' option and go to the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX , NV ( Note : My Bluebird American Express Prepaid Credit Card is through XXXX ). I went to the ATM machine at the XXXX XXXX and it was out of service so I then asked a XXXX employee if the Bluebird card allows me to do cash withdrawals at the XXXX XXXX, the XXXX employee stated yes, so I swiped my bluebird card on the keypad at the register and the XXXX employee asked how much I would like, I stated " XXXX '', the XXXX associate received an error message of unable to process transaction error message, so she asked me to swipe my card again, so I swiped my card per the XXXX associate request and received the same error message " unable to process the request '' so I asked can we do a balance inquiry, she said yes and balance inquiry stated I had XXXX, prior to going to the ATM I had just checked my account and had a balance of XXXX, so I went back to work since I was on my lunch hour, logged into my account and it showed I had a ATM withdrawal of XXXX on XXXX XXXX 2015 Transaction ID # XXXX, I grew very concerned with this information since I cane to work at XXXX and work nights and sleep during the day and I am VERY detailed and diligent with my finances, I contacted American Express at their Customer Service # ( XXXX ) and spoke with " XXXX '' at approx. XXXX PST on Tuesday XXXX XXXX 2015 who confirmed that they had showed in their system that the ATM did NOT give me the funds and that " I '' the customer would need to to write a letter to an address that she was going to provide ( which is also can be found at bluebird.com ) and American Express would investigate further. I then requested to speak with a supervisor who left me on hold for an obnoxious period of time which at that point I disconnected the call because I was at work and decided to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There were a credit inquiry placed by XXXX XXXX of Delaware on XX/XX/XXXX. This should have been a " account review inquiry " and not a HARD INQUIRY placed on my credit report. I recently opened this account in XX/XX/XXXX so why would I purposely apply in less than 30 days?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Global Portfolio Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not positive of dates but I have submitted multiple disputes specifying the information was inaccurate and that the accounts were opened fraudulently ; but each time my credit score has only been negatively impacted by my pursuits. The results to each dispute continues to come back as accurate. The agency continues to deny my claims repeatedly, claiming that an investigation was completed.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-22
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I made a complaint with you about it.The complaint reference Is OMB # XXXX. 
The internet information that I depended on does not support their stand. 
I called XXXX XXXX, the lady who wrote a reply.But she Ins not calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XXXXThis complaint is a supplement to the Office of the Comptroller of the Currency case # XXXX. According to that complaint, Chase bank claims a factual dispute between myself and the bank employee who entered the errant address XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx. XXXX, based on my instructions. And of course, I dispute their claim. In addition, this subsequent complaint seeks answers to the following questions and request documents that Chase failed to address in their previous response dated XX/XX/XXXX : a ) Is their bill pay envelopes required to have a return address ;, b ) if so, provide proof that the XXXX, XX/XX/XXXX and XX/XX/XXXX carried a return address, tracking code, or mail meter stamp ; c ) provide copies of the front and back of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX signed checks by Bank Manager . Based on the bias assumption held by the bank manager that XXXX XXXX provided errant information, did that perverse assumption interfere with her doing her job of monitoring the paper checks for accuracy before signing them? The only way for us to find out what the bank manager 's actions were is to have the bank produce these checks. The original scenario suggested by XXXX XXXX is more fitting as to what happen then the prevarication offer by the Bank. XXXX XXXX suggested that the clerk entered the wrong information and that when the Bank Manager realized that she signed the paper check with the wrong address, she and her employee colluded and manufactured a bogus story. I am requesting that your agency have Chase bank show proof that the XX/XX/XXXX and XX/XX/XXXX were mailed out and given to the mail man for delivery. Also, state the names of the employees who mailed out these payments. Please explain how both the XX/XX/XXXX and XX/XX/XXXX became available in my account at once after I notified the bank of 55 day car default notice. It appeared that no one noticed the fictitious address until after the delinquencies occurred. I ca n't believe a bank customer service rep entered a wrong address, a bank manager signed the check with the errant address, a postal worker, and a financial company accountant failed to notice a city called XXXX, Tx. each time they processed these checks. Finally, I am requesting that Chase explain why I was mailed a fraudulent letter on XX/XX/XXXX signed by a non-existing employee, XXXX XXXX, who did n't work in that capacity reflected in the letter. Please identify the employee by name and the reason they generated the letter which implies that the bank committed an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion has an account I have with XXXX on my credit report that should not be still listed. From their own records, they state that the account was closed on XX/XX/XXXX, yet say the last payment was on XX/XX/XXXX ... which is not only inaccurate, but impossible. If the account was closed on XX/XX/XXXX, then the first date of deliquency has to be months earlier ... thus over seven years ago and should be deleted by now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in disputes to 3 credit bureaus on XX/XX/2020 due to a medical company breaking HIPAA which states " national standards to protect individuals ' medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically ''. It has also, come to my attention that the credit bureaus have taken longer than 30 days to respond to my disputes. I demand that these accounts be deemed 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 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Paid off all open collections on my reports. But they still show as open. I have provided a screenshot of the XXXX account I was able to pay online the others I believe are sending me letters

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