BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has been providing inaccurate credit report data to lenders upon request, that contain data that does NOT actually exist on my credit report, but HAS GREATLY AFFECTED APPROVAL ODDS ; Such as, ( FALSE REPORTING - " BANKRUPTCY/PUBLIC RECORD '' ) when neither exist on my credit report! 


XX/XX/2023, JPMCP pulled my report and I did NOT receive any alert or reference number. An error message of " can not process, try again later '' appeared after my request. 
I was not aware this inquiry had been actually processed due to the error message and lack of notification, reference number nor alert from JPMCP nor XXXX, and it's being hidden in Plain sight. 

The inquiries on my file are listed in chronological order EXCEPT JPMCP which should have been the first inquiry listed, but instead it is listed between the months of XXXX. Although, it's XXXX and the last inquiry requested this year. 

Upon calling JMPCP for further information about this inquiry, I was then informed the request had been DECLINED for several reasons such as : Too many inquiries, PUBLIC RECORD / BANKRUPTCY and several other adverse reasons that are NOT RELEVEANT OR INCLUSIVE TO CREDIT APPROVAL. 

XXXX is also screening my calls. Unable to speak with a live agent. Automated system claims my information ( ssn and zip code ) does not match, although it does. 

XXXX claims their company only provides reports to lenders, but actually seems to be playing the initial hand in my applications being DECLINED/DENIED, by using subtle DISCRIMINATION through the forms of REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT and CONTINOUSLY denying me CREDIT, DESPITE having NO ADVERSE INFORMATION AND AN AVERAGE CREDIT SCORE in the upper 600s, based on INCONSISTENT BASIS OF APPROVAL. 

Violation of FAIR LENDING LAWS, FCRA, ECOA TITLE VII OF CFPB and the CIVIL RIGHTS ACT of 1866.

My score, TAMPERED WITH, also dropped XXXX XXXX from this " hidden JMPCB inquiry '' resulting in a DECLINED NOT DENIED APPLICATION.

I HAVE VERY GOOD REPORTING HISTORY AS FAR AS PAYMENTS, AND CLOSED BALANCES FROM OVER 6 YEARS AGO TOTALING LESS THAN {$900.00}.

I WOULD NOT HAVE SO MANY INQUIRIES IF I were NOT targeted and profiled through UNFAIR LENDING PRACTICES such as, REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT by XXXX. 
EACH TIME I submit a request FOR CREDIT. 

FOR THE LAST 6 MONTHS I HAVE BEEN DEALING WITH UNFAIR/DECEPTIVE PRACTICES by XXXX and others to the point of exhaustion!

Bureaus should be REQUIRED to have more EFFECTIVE laws governing the practice and USE/DISTRIBUTION OF CONSUMER REPORTS with TRANSPARENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
My Application was denied, because of a problem with verifying my identification and I would like to verfiy it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2022-11-26
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, my XXXX credit card was switched from XXXX XXXX XXXXXXXX to Comenity Bank without my knowledge. This involved new account number and cards even though I had several years left before expiration. At least XXXX of my automatic payments were not paid as a result. I called and was told I would receive a new card within a week. On about XX/XX/XXXX, I called again and was told I would receive the card the next day. I did not. On XX/XX/XXXX I received a bill by mail for {$190.00} which upon review accurately reflected some charges made before the new card was issued. On XX/XX/XXXX I sent in my payment. On XX/XX/XXXX, having still not received the card I called to cancel the account. I asked if they had received my payment, they said yes and verified the amount. I asked, " Do I now have a XXXX balance? '' and was told yes. I said, " Please cancel the account. '' She said yes, no problem. The next day I finally received the cards and shredded them. The new number was never activated. On XXXX XXXX I received an email bill from Comenity for {$25.00}. Upon calling I was told this was for a late payment. The due date was XX/XX/XXXX, I sent it in via XXXX mail on XXXX. Recall that the XX/XX/XXXX call confirmed their receipt and that I had a XXXX balance. The XX/XX/XXXX call claimed the payment was not received until XX/XX/XXXX. They promised to remove the late charge. I tried again to close the account and was told I would receive a mailed confirmation of the closure in XXXX week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments  showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report I did not authorize this inquiry. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2020-10-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed chapter XXXX bankruptcy on XX/XX/2019 and included Discover card into the debt on XX/XX/2019 discover debited {$130.00} from my account and shouldnt have because of the pending bankruptcy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: MI
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:
Theres two XXXX XXXX. I HAD ONE. Its impossible to have two. The dates dont add up. The open date on one and late payments on other at the same time. I dont know whos is in my report but its unacceptable. This is a major violation. Ive filed MULTIPLE complaints and disputes. They will not listen. XXXX  deleted it! Please these are not both mine. I had ONE! Im taking legal recourse if this isnt resolved in 30 days.

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 2023-10-19
Company: EQUIFAX, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: Conn's, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account with conns home plus and I try making my payments on time but my pay check dont all ways line up with the due date. I have informed them of this many of times but all that I am told is to sign up for auto which still would not help and could probably make my account go negative. I have call and have told them I will make a payment on a set day and to please dont call me. They will continue to call 4-6 times a day from multiple numbers. They will sent me text messages saying Good credit is important. Your account is 9 days past due. Please call Conn 's @ XXXX and pay {$130.00} or for assistance. 
I also will receive emails saying we are here to help or I can help you with your account. Both of these statements dont live up. I even have had trouble making a arrangement on my payment. I would say that I would be maybe 12 days late and thats when my next paycheck comes in, they have to get permission from a Supervisor to let the payment go though. At the time of XXXX they were running a promotion for 0 % Interest for 12 months. I put {$500.00} down on my account to open it on a XXXX computer and they said that I did get the interest free period even though the purchase amount as well above the minimum amount. I will not use this company once this account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: CT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scammer on XXXX XXXX  who send fake emails pretending to be Zelle on XX/XX/16 that they as a buyer has send too much money via Zelle and needed the difference send back. Send emails with Zelle logo with fake confirmation they had zelled too much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a Capital One 360 Money Market account XXXX, with the offer code XXXX attached. I was able to confirm I had the offer code attached to my account ( please see chat transcript ). The terms of the offer stated " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXXXXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX  ET on XX/XX/XXXX. '' I did cumulative deposits of {$50000.00} between XX/XX/XXXX and XX/XX/XXXX. That should have triggered the bonus. 

According to the terms, " Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. '' Now, 60 days after the last deposit, I contacted Capital One to inquire about the bonus. On XX/XX/XXXX, I contacted them both via chat and phone. They are now saying that a balance over {$50000.00} was supposed to be maintained, but that was never indicated in the terms of the offer when I signed up. They are saying that was the intent of the offer, but was not indicated in the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: GA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XX/XX/2022.

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 2022-09-16
Company: SYNCHRONY FINANCIAL
State: MT
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 just learned a Paypal credit account was established in my name and using my personal information through Synchrony Bank. The balance being reported on my credit report is {$4100.00}. I have never applied for or held a Paypal credit card. 

On XX/XX/2022, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX. I advised her of the situation over the phone. The Case Number is XXXX. 

In addition, I sent an email to XXXX advising that my identity had been stolen for the purpose of obtaining the Paypal credit card and requesting that they request the credit agencies remove this alleged debt from my credit report. 

On XX/XX/2022, I also contacted the card issuer, Synchrony Bank. I was unable to speak with a representative and will be following up with the bank as soon as possible.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: WA
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 two collections in my credit report both from the same company XXXXXXXX XXXX XXXX  I have no idea where this even came from I have already filed a identity theft report I want this off my credit report its preventing me from getting any findings needed to further build my business and my financial wellbeing please and 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: Nelnet, Inc.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It has come to my attention that my student loans with Nelnet are past due. I have been receiving emails from them monthly stating my account balance is {$0.00} and in good standing. I then received a credit alert that the nelnet account is past due. I tried to login to their website on a daily basis for two weeks to see where the discrepancy is coming from. Im finally on the phone with the representative and they are telling me Im not even setup to receive electronic statements but as explained I do receive monthly statements from them. Unknown to me, they have only been sending statements for two out of the five accounts I have with them. I believe this is unfair because I rely on those statements monthly to make sure Im in good standing with nelnet. My credit has now been negatively affected because of this. The solution that the nelnet representative suggested is for me to opt out of paperless and then opt back in to paperless and hopefully that will correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CURO Intermediate Holdings
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 am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the AD ASTRA RECOVERY SERV ( Original creditor XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company response to consumer: Closed with explanation