BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 20 accounts on my credit report that do not belong to me I have tried reaching out to the bureaus as well as the furnishers and they are nopt helping me out I need this taken care of asap!!! I need to know who is using my name or opening accounts what is this,. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - BANKCARD Account Number : XXXX Reason : This is not my account Account Name : XXXX PERSONAL MA Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX CARD SER Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my 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 explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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

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 2020-03-13
Company: Bread Financial Holdings, Inc.
State: OH
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:
Commenity Bank I was always pd ahead but had a setback spoke with commenity worked out a payment arrangement. They were to take funds from my checking account if I agreed then balance would remain stopped no late fees account would remain open and show in good standing. They would review account show in good standing as long as I stayed on plan. I have remained and held up my deal but they closed my account, increased my balance, charged fees and interest and the status is showing account closed by them and derogatory status. They continue to withdraw the agreed amount from the checking account. They also sent me deals to purchase which I have not done I have continued to pay as agreed but they have never followed their agreement. They need to either go back to last XXXX when this agreement was made show acct current quit doubling my previous balance and show acct in good standing paid as agreed OR quit withdrawing from the checking account and not applying to my credit card acct. thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: MARINER FINANCE, LLC
State: IL
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:
I refinanced my only loan with Mariner Finance last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXXXXXX XXXX XXXXXXXX and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX XXXX  and XXXX all three to update and close this old loan and add the new loan. They can contact Mariner Finance to take care of this it is their job to do so! Also XXXX website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and Mariner to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2023. I lost my job due to contracting COVID-19 since then I have been unemployed. I have no source of income currently. I informed AVANT of this information back in XXXX. The representative that I spoke with submitted a The representative that I spoke with submitted a waiver for the late fees, and a request for me to be on a hardship plan. On XX/XX/XXXX I received an email from AVANT stating that my late fee waiver request has been denied. Not only did they not waive my late fee, they also reported the late payments to my credit bureau. My credit score has dropped over 100 points. There's nothing that I can do about losing my job due to contracting COVID-19, this company is moving unethical and I would like this situation to be handled immediately my credit report needs to be fixed being that the law was passed specifically for consumers to protect us and that is my right I am protected from the cares act and 15 U.S. code 16812 ( F )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: NC
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:
Ive not been contacted by the creditor, when I saw the issue on the report I contacted the company XXXX  XXXX, when I called them they couldnt talk to me as they stated my social security number did not match, Being the personal information does not match and Im not XXXX years old this is not my account. This should be removed from all the credit bureaus immediately. 
I will look at civil action against the bureaus and or creditors if this is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, I XXXX XXXX attest that I do not owe any money for a medical services rendered at XXXX XXXX XXXX hospital. I am enclosing receipts of payments made to XXXX XXXX hospital. Based on aforementioned federal statues I'm asking this company XXXX XXXX XXXX to immediately cease and desist and correct my credit report with all credit bureaus. I am requesting that this company be fined for being negligent in their reporting of a debt that is not owed. if my credit is not fixed within 5 business days, this company should be reported to the department of justice for fraud and harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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:
On the XXXX I sent letter regarding inaccurate and unknown things on my credit report to this day over 60 days, later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that failure to investigate their items within 30 days gives a reason to immediately remove those, items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The charge of {$570.00} on XX/XX/XXXX, was authorized by me and done illegally. I contacted the Chase customer service and put the transaction in dispute, and changed the card at the same time.The dispute was rejected based on the fact that I had a business with XXXX XXXX  IN month ago, That is true, but the XXXX XXXX  tried to fix my stove months before and destroyed it and I paid {$600.00} for that. I did authorize the first transaction, but never authorized the second. I never let them charge my account the second time and I never let XXXX XXXX XXXX to store my card info.They never invoice me. They just charged second because they illegally store my card info. Chase dispute representatives explain they paid based on the fact that I had business with XXXX XXXX  before, which is ridiculous and illegal. The repas advised me to put the first charge in dispute. I did, sended all docs through the chase reps at XXXX XXXX XXXX, but the dispute center never received the paperwork. Pls refund the charge, which was done illegally on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Credit determination

Complaint:
Several days before our vacation, I used some of my work bonus to pay a large portion of my Wal-Mart MasterCard balance. The amount I paid was {$3000.00}. This card was to be used for the hotel and other misc. charges while on vacation. 

We arrived on Saturday XXXX/XXXX/16 and the MasterCard was declined at the hotel front office. I immediately call customer support. I was told that the {$3000.00} payment was on hold for an unknown reason. I was told, possibly because it was too large of a payment I explained the situation and also informed the agent that this was an electronic transfer from my bank and not a check. After explaining what the card and money transfer was to be used for, the agent was able to resolve the situation and I was told that {$3800.00} was available for credit. The card was subsequently accepted at the hotel front office. 

I made a purchase on Friday XXXX/XXXX/16 at the local grocery store and the Wal-Mart MasterCard was again declined. After using my debit card, I again called customer service. This is when I was told that my credit limit was changed from {$4500.00} to {$900.00}. I explained the situation for a second time. The agent was unable to help and I requested her supervisor. I explained to the supervisor the situation for a third time. I also explained that it seemed more that coincidental that after the credit card company received my {$3000.00} payment, they then decided to limit my credit. The supervisor offered a temporary increase of {$250.00}. I disinclined as this would do nothing to pay the {$1600.00} hotel bill. I did request my {$3000.00} payment back minus the monthly due. He indicated that he did process the request. 

Note that we have not defaulted on this card or any other card. the fact that the credit card company decided to change my limit after they safely received the balance of what was over the new limit seems unethical. I understand that I had medical issues and some bills went to collection. This would seem consistent with a limit change and I 'm not implying this was wrong or unfair. What I am implying is the underhanded way business was conducted on this matter. The credit card company put me in a very bad situation, while the whole purpose of having the card was to provide a safe way of traveling with the security of having funds available. 

I am asking that the credit card company return my {$3000.00} payment minus the monthly payment due. The payment I made which I succinctly communicated to them was to be used as available credit for my vacation. I also ask that the credit card company be investigated for unethical practices for changing my limit after I paid the balance. I believe this would not have been done had I not paid the balance.

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 2023-11-17
Company: SYNCHRONY FINANCIAL
State: OR
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX company has come to my attention that you illegally reported my information to unaffiliated 3d parties without giving me my disclosures Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL financial institution may not disclose nonpublic personal Information on for a nonaffiliated third party unless.

( A ) such financial institution clear and conspicuous discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this file, that such information may be disclosed to such third party. The consumer is given the opportunity. before the time that such information is inifially disclosed, fo direct that sun information not be disclosed fo such third party : and ( C ) the consumer Is given an explanalion or now the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by federal. 
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 explanation
Consumer complaint received 2023-08-07
Company: SYNCHRONY FINANCIAL
State: DE
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: Problem with personal statement of dispute

Complaint:
Snchrony Bank has singlehandedly and intentionally sabotaged my credit with their false credit reporting. I hold 3 different accounts. One with paypal mastercard, one with paypal credit, and one with Lowes credit. As of today they have closed all three current non delinquent accounts based on a retaliatory act. They claim that based on their information I am considered a high risk of failure to pay. Mind you I have never defaulted on any existing creditor or have been late with any existing creditor for over 7 years. I have waited 7 years to establish new credit after I was forced to file for bankruptcy 7 years ago due to outstanding medical bills. But when I hit my 7th year Snchrony has been nothing but disrespectful towards me treating me like an immigrant that has no credit.. This complaint has to do with my Lowes account. I have paid down this project monthly as agreed with the contract. But thats not good enough! I have paid more than the minimum payment for several years not once missing a payment and the thank you I get for being a great customer is " we are closing your account because you are a risk of not paying. '' On my credit bureau, Again there are no indications of defaulting on any of my creditors, on the contrary I have an outstanding payback history Any negative reporting has been caused by Snchrony bank and their false claims that I went over my credit limit by 300 percent due to their retaliatory act of reducing my credit line because I retracted a payoff to the paypal mastercard account, this after they froze my account for a suspicious large payment. Since XXXX of XXXX they have been claiming i became a high risk of not paying and have reported incorrectly to my bureau ruining my credit score. Something needs to be done. No other creditor does this lunacy to good customers.

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX, and TRANSUNION. 
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ".

..promptly DELETE all information which can not be verified. '' 1. XXXX XXXX XXXX violated my rights according to FCRA, listed above.

Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.

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 2023-08-07
Company: Firstsource Business Process Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date - XXXX / Amount - {$400.00} / Violations of U.S.Code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S.Code 1681 ( b ) permissible purpose / 15 U.S. Code 1681 C-2 /! 5 U.S. Code for reinsertions/ Legal documents letters of Cease and Desist / Harassment / Trademark & Copyright Infringement / were sent, issued to company, agency / owner, consumer alleged fraudulent debt was sent as negative debt, late payment, hard inquiry unauthorized as authorize user without the permission of consumer consent to all three credit beaururs XXXX, XXXX, XXXX, causing XXXX, unfair housing and employment opportunities.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation