BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: SYNCHRONY FINANCIAL
State: VA
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 called a couple days ago to report my XXXX XXXX as lost/stolen. I thought the card was lost ( turns out I had just misplaced it ). XXXX, as is their practice, issued a new credit card with a new number. The next day, I received a credit monitor email from XXXX XXXX noting that my score had severely dropped with XXXX XXXX XXXX ( and presumably other bureaus, although XXXX XXXX only uses those two ). The reason for the drop was that Paypal Credit Card, issued by Synchrony Bank, had listed my account as closed with the credit bureaus, even though all I did was get a replacement card ( with a new account number ). Even though they correctly listed the reason as " lost/stolen '' card, I was severely penalized based on how they reported the lost card to the bureaus. One bureau showed a drop in my score by XXXX points, and the other by XXXX points! When I spoke with XXXX, they explained that XXXX had many options for reporting the replacement card, and they didn't have to report it as a closed account. I don't believe this is the industry practice, and I believe it may very well violate federal law to penalize someone so severely ( or at all ) on their credit score simply for reporting a lost/stolen card. Surely this can't be legal, and if it is, it definitely isn't standard practice. I hope the CFPB will help protect consumers from such actions. 

When I spoke with XXXX XXXX, they were not very helpful. They put me through to a XXXX who wouldn't even connect me with the department that handles such complaints. Instead, I was told they would investigate and send me a letter. This could take weeks or months! When I asked for someone to follow up by phone, they even told me that they would not do that. Unbelievable. 

Please note that the credit card number supplied is for the OLD credit card that was lost. I have not received the new one yet, so I do not know the new card number.

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: GA
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 very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America is not properly assisting with a recent dispute for a purchase of products and services paid thru 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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this 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 2021-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company sold loan to a debt agency in XXXX of XXXX, I made payment arrangements with the debt agency XXXX and was making monthly payments. Loan was paid off in XX/XX/XXXX and in XX/XX/XXXX XXXX loans reported the full amount of the loan on my credit report. Contacted the company and they were unwilling to do anything about the error in the report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. PLEASE SEE ATTACHED POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the following accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
1. Request that all E-mail 's include " RoundPoint and Loan number '' in subject line! 

This is MY life and my Home I brought my kids and now Grandchildren up. 
I am active in my community and have NO other DEBT. 

Home Equity Loan ( HEL ) Fixed Interest, NO Penalties, NOT a HELOC! 

I seeking the understanding how Roundpoint can charge {$4100.00} over the last 4 month if my payment is {$450.00}? 
I would still make payments or would have paid the loan off in full, if Roundpoint would not have : a ) stopped honoring my payments, and began to return them to me b ) made a counter offer to my settlement offer after they returned my payments. 

One may think Roundpoint is seeking a FREE HOUSE! 

Have I missed payments YES! Why? 
RoundPoint 's way of being helpful resulted in my case, to a 8 month of delinquency! NOT because I didn't want to pay, but because I was actively talked out making payments. After all we were in a settlement negotiation and should save the payments and apply them to the final settlement! RoundPoint reneged on the settlement.

2. Who and What would be considered a 3 party involvement? 

Several Settlement offers were send by myself or my legal council ( past council ) to Roundpoint. Mrs. XXXX XXXX ( Customer Advocate ) mentioned, in a phone conversation ( XX/XX/2019 ) that a particular settlement offer was countered by Roundpoint. 
Mrs. XXXX 's offered to forward Roundpoints counter to my E-mail address by XX/XX/2019 and after she returned from her day off! Still waiting! 

3. Request for any and all Counter offers made by Roundpoint in reference to my Settlement offers.

4. Request for

Roundpoint to show proof how each money order, mailed by certified mail to Roundpoint, was allocated. 5. Request for Roundpoint to show proof how Bankruptcy  Judges order to adjust my account by {$12000.00} in my favor. was allocated! 

6. Request for Roundpoint to show how they calculate {$4100.00} if my monthly payments are only {$450.00}?

7. Request for Roundpoint to quit stalling!!! 

I'm not inte rested in generated monthly printouts but detailed proof that Roundpoint allocated my Payments and honored a Federal ( Bankruptcy ) Judges order! 
I need RoundPoint to show me where the money I paid went! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Now faith is the assurance of things hoped for, the conviction of things not seen.

XXXX XXXX XXXX I can do all things through him who strengthens me.

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 2022-10-15
Company: Climb Credit Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the credit reporting act this creditor has violated my right under 15 USC 1681. Section 6 O 2 states I have the right to privacy. 15 USC 1681 section 6 O 4 a section 2 or also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: JPMORGAN CHASE & CO.
State: IA
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/XXXX, XXXX I put in a dispute with Chase Credit Card for a charge to XXXX XXXX XXXX XXXX the amount of {$10000.00} XX/XX/XXXX, XXXX I cancelled the dispute as the merchant stated they would refund the money and work directly with us XX/XX/XXXX, XXXX Merchant continuously communicated they did not receive the money back yet ; therefore, I submitted an additional dispute to Chase XX/XX/XXXX, XXXX Merchant 's bank accepted the dispute and agreed to let Chase keep the disputed funds XX/XX/XXXX, XXXX Chase claims to have submitted the funds back to the merchants bank ( after I submitted an additional dispute ) This dispute was not handled appropriately. Currently, both Chase and XXXX ( merchant 's bank ) state they do not have the funds, yet I am without a product and have paid {$10000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY ex XXXX XXXX has been holding my mail opening it and reading it. I finally placed a hold on my mail about a month ago He lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX HE has been in my mail since XXXX. I have gotten another report from XXXX about my lease again They are going to repossse my car again This happened to me before because of him On my hold mail I get a letter from XXXX XXXX XXXX XXXX about being in arrears with my loan and Visa card I always had a good credit rating XXXX Now I get a letter from XXXX that my credit rating is XXXX All this is because of him I complained to USPIS and they done nothing about him He pays people off to do his dirty work Legal Aid told me I cant do anything about him because he always uses third party He knew my XXXX XXXX XXXX had someone pulling it Then I learned he was sending all of my mail to his XXXX XXXX XXXX XXXX address He has ruined my credit rating And on my Experian credit report last year he was still listed as my spouse I have been divorced from him since XXXX He does not work and lives off of me He has stolen my court documents my lawsuit and his sister XXXX XXXX XXXX changes things around on the computer for him He cant read or spell

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Paypal Holdings, Inc
State: PA
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:
Lost over XXXX on Venmo due to my card and phone being used and they wont allow me access to my account for provisional credits or any dispute resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CommonBond, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Hello, I received an email entitled " Get up to {$5000.00} back when you refinance by XX/XX/XXXX! ". on Friday XX/XX/XXXX late afternoon from CommonBond. I confirmed via email with their support that this was a legitimate offer and the only requirement is that you are approved for a loan and submit documentation by midnight on XX/XX/2021. During the application process, their system did a hard credit inquiry and automatically pulled in information from my 2 existing private student loan lenders and balances. It required " verification '' of 1 of the 2, which is a loan from XXXX XXXX, serviced by XXXX. Unfortunately XXXX XXXX customer service department is closed on Saturday and Sunday, not opening back up until Monday so I was unable to retrieve the requested information and submit the application in time. This makes me both ineligible for the promotion and I now have a hard inquiry and lower credit score as a result. It seems to be a common practice for financial institutions to be closed over the weekend so it seems like it is deceptive of Common Bond to run a promotion that is only offered during a very small period where it would be difficult or impossible to finish the loan application. Not to mention, I was approved and eligible for the promotion until after my credit was pulled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
contacted company about incorrect information on report and company did not properly investigate

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I contacted XXXX to refinance my car. My new loan is through XXXX XXXX XXXX XXXX. The contract was signed in XX/XX/2021. My pay off check was received by Chase on XX/XX/2021 at XXXX XXXX, signed for by XXXX XXXX in XXXX XXXX, Texas. My car has NOT yet been paid off. It has caused a huge financial hardship for me because I am now paying on TWO active loans. Chase took {$500.00} from me on XX/XX/2021. I paid {$430.00} to my new lender on XX/XX/2021. Chase owes me so far a total of {$1000.00}. I have called Chase numerous times and my refinance company. Chase claimed it would be processed by XX/XX/2021. I called today, XX/XX/2021 and now they are claiming Monday, XX/XX/2021. My credit has also been effected.

Company response to consumer: Closed with monetary relief