BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
I had a XXXX  XXXX  product through XXXX  thru XXXX. Apparently, this product was discontinued and I was automatically enrolled and charged by " Equifax Consumer '' on XX/XX/2020 for {$190.00} on the credit card that was on file with XXXX. I did not authorize this charge by the new company, period. However, since I was charged I decided to give the new company a chance, but after several phone calls ( with no help ) and giving out my personal information to 4 different associates, I decided I was being given the " run-a-round '' by a fraudulent company. I did contact my credit card company who has raised a dispute on this item. I want the CFPB to remind Equifax that making unauthorized charges on a consumers credit card is " FRAUD '' and as a reporting agency they should be aware that unfair and deceptive practices are wrong, ALWAYS WRONG, even if you are the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: AMERICAN EXPRESS COMPANY
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 have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the XXXX XXXX XXXX ( FTC ) and filed fraud/identity theft reports with them along with contacted my local XXXX field agenct office in XXXX XXXX to report these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/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

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 2021-06-28
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
I checked my report and saw that Victoria secret card with comenity is reporting late. I never used the card as I was in jail since XX/XX/2020. I was just released last week. I am Reporting fraud. My wallet and belongings were stolen from my home while I was incarcerated. Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Certegy Holdings, LLC
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Following issues in linking a new bank account to target financial, I was provided an error message citing Certegy as denying my ability to use my bank routing number. It told me to request a consumer file and upon doing so would have the right to file a dispute. I contacted Certegy as instructed in the consumer file disclosure and their agent told me the decision was final, that they do not have a dispute process, and recommended that I pay XXXX in cash. I recorded the representative telling me that Certegy will not accept a dispute from me and am disturbed that they are not willing to allow consumers to fix errors such as this one. Certegy is refusing to allow me to dispute incorrect information about my account which is in use without issue at numerous other companies and for direct deposit without issue and has a balance of thousands of dollars. The recording attached showcases what I was told as a consumer after following the instructions in their disclosure letter to call a specific phone number, provide a tracking number, and request to dispute. XXXX has so far only been able to blame Certegy and is refusing my payments based on their decision. I have advised them if they are not willing to fix this I plan to close the account of 14 years as I find it offensive to be accused of fraud given my current status as a XXXX  XXXX, account holder of 14 years, and having no prior history of late/missing/bounced payments of any kind in store or online.

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 2022-11-10
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. I was denied a block of information with a outline of the procedures that were taken to verify the information and complete the investigation. 
Per 15 U.S. Code 1681d ( b ) The results of your investigation results need to be shared with me the consumer. So, in conclusion of your investigation please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
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:
Credit acceptance corp is reporting a settled and closed account as open almost 2 years after the settlement took place

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 2019-03-22
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I opened a account up with this company back in XXXX. I attempted to use the card the same day and had Promblem 's. So i called this company and they told me that they are no longer able to assist me and they closed my account and told me that i should get a refund within 2 weeks. Well 2 weeks came and i didn't get a check. I called them again and they told me it was sent. Well 2 more weeks came, I still haven't got anything. I was calling from XXXX to XXXX. finally XXXX came and i filed a complaint with XXXX and someone from customer support stated they would give me a call and he did and he told me he would resolve this issue. So i waited and i still haven't received anything. So i said enough is enough i will file a law suit when i get funds. I been kicked out my home due to them not sending my money that i was suppose to pay my rent with. My kids and i was homeless and i take that as discrimination and hardship and everything else. I'm not gone give up until i get my money back. this issue needs to be resolved and they need to be stopped. They are a complete 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 2022-12-28
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. 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.

15U.S. 1681S-2 ( A ) ) 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2022-03-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage assistance, and have been told on each call that I am in the decision process. I was even given an extension on the forbearance financial assistance I applied for back in XXXX of 2020. Still having no job due to covid and the need to attend school recertification to gain employment no payment could be made without sacrificing other items needed to get back to status quo. My request was to place the missed payments at the end of the contract, which there is no reason this could not be done. I received a call, no notice, no email, nothing to inform me this might be done and I can appeal the process or the process to appeal the process. They have immediately reported the payments as late making it almost impossible to refinance the property at a reasonable rate. I dont have any documentation to send because all I have received is a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, 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 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. 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 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX ACCOUNT # XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of 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 2022-03-17
Company: Unifin Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Receiving many collection agencies of debts done in fraud n Identy theft one is with XXXX XXXX contract changed from time of sale with XXXX XXXX on a recall vehicle n claim settlement n reposed n paid on XXXX XXXX  48 months as agreed at time of sale n resold n a first premier of a card debt n now this unifin a debt collector of XXXX this is identity theft and fraud this began with financing a car from XXXX XXXX dealership then XXXX XXXXl financing company stating no service warranty n there was was two years and five year service warranty n copies of payments mailed r not my payments n fraud n contract was changed from 48 months to 72 months n a recall n settlement claim but repossess n auto theft n resold n I paid for it n claim settlement was with XXXX XXXX  to buy back n XXXX settlement to all owners but refused to release title this Unifin collection refuses to give any info on when n where this debt was done n fraud n identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
this is follow up to complaint ID XXXX. When I looked on your site to follow up on the status of this complaint your site says Closed. Yes, Chase bank did send me a reply but, to be blunt, it was double talk and did not give me a satisfactory answer to my complaint. I have tried to contact XXXX at Chase bank as instructed in their letter but I can not seem to get through to her. If you look at their letter of XX/XX/2023 the 3rd paragraph is their answer, or excuse, for my problem. To me it is unintelligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: MD
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:
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.

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 explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
First of all, I've now opened up over XXXX CFPB complaints against XXXX. The CFPB really needs to take action because XXXX, being the WORST of the XXXX credit bureaus, has messed up significantly for years. They didn't even answer one of my CFPB complaints nor have their associates remove private information from their emails ( copies of my passport, military ID, SSN card, drivers license, policeXXXX FTC reports, etc. ). They've dragged their feet repeatedly and failed to respond to my requests appropriately ( and actually lied in writing to me and the CFPB ) and have done nothing. Why isn't the CFPB taking action against them? They removed inaccurate items from my credit report finally this week, but have also removed ACCURATE items from my credit report. One of which being my XXXX credit card that was issued in XXXX. XXXX has reported it since XXXX and my score is almost at XXXX with them. It's at a sub-par XXXX or so at XXXX because they took off this XXXX credit card that has been repeatedly asked to be added back on for almost 4 years now by both XXXX and XXXX. Yet they failed to do so. They also removed my XXXX card I had since XXXX that was closed in XX/XX/XXXX in which I was an authorized user and significantly boosted my credit. They had no right to do this. 

Also, Transunion removed the XXXX card as well ( but everything else on the report looks accurate ) so my credit score is XXXX or so with them as well when it should be almost XXXX had there been proper reporting. Asking Transunion, XXXX, and XXXX to add card back appropriately as it is showing on my XXXX account. Attaching screenshot for reference.

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 2023-03-15
Company: BARCLAYS BANK DELAWARE
State: AR
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:
we were due to cruise when covid happened. we left the monies on the account with XXXX. ruises until we discovered that we could only cruise if we had the vaccine. we then adked for a refund from XXXX XXXX line. they did the refund in 4 transactions and i spent hours and days over 2+years trying to locate the money. when i finally found that XXXX XXXX had refunded it and contacted Barclay bank and gave them dates and transaction numbers, that should have been the end of it. 3 months later and many hours of phone time later, and > I still dont have my money refunded and today alone was told that it would be the XXXX of XXXX and then the XXXX of XXXX. Good frief, they cant even get their lies straight! Can I get help getting my money and, can I charge them interest on the monies held?

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 2022-11-10
Company: Experian Information Solutions 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 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 explanation
Consumer complaint received 2021-05-04
Company: SYNCHRONY FINANCIAL
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, When I made a payment of {$290.00} available credit was {$6000.00} and I'm sure I haven't used the card since then. I never could see my statement online or in any other way so I can't speak to what is happening but I assume the card number has been stolen from some hotel in XXXX, OR, or XXXX, AK. I would like the charges removed and my card brought back to {$0.00} balance. The card is missing it's possible room cleaning took it and has been using it since the time I made {$290.00} payment. I see I have bad credit now. I'd like my credit restored I've never missed a payment. Thank you. I tried to call paypal mastercard about this but wait time was an hour.

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