BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-08
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:
Synchrony Bank decreased my credit limit from {$13000.00} to {$1000.00} without notice although I have never missed a payment and have a credit score in the 800s. I found out about this action when planning to use this card for a large purchase. This unfair action negatively impacted my credit utilization ratio without my knowledge, and is a harsh action to take during a pandemic. I spoke with a representative on XX/XX/2021 and requested written notice of why this significant change, resulting in a reduction of {$11000.00} of my credit limit was taken. I was told it was because I hadnt used the card for a while. I explained that my use of the card declined due to the stay- at- home order because of the public health crisis. Based on my solid credit profile, I requested my credit limit be reinstated and I not be punished for not using this card during a pandemic. I was told I would have to reapply which will generate a hard inquiry and another negative impact on my credit score. Synchrony should not be able to make such a significant change to our agreement without notifying me of this severe credit limit reduction that has negatively impacted my credit score.

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 2022-11-15
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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
Experian has willfully violated the FCRA 605b. They refuse to block fraudulent information on my credit report within the legally required 4 business day time period from the date of receiving my FTC Identity Theft Report, XXXX XXXX Police Report, and all required identity verification documents. Furthermore, the company refuses to provide any basis for declining my legally mandated blocking request. I have contacted the FTC, XXXX XXXX Police, and Consumer Financial Protection Bureau for assistance with this matter as well. This has been an ongoing issue that has devastated my life by making me ineligible for personal or business loans, credit cards, or auto loans with reasonable interest rates. In addition, Ive spent hundreds of hours in anguish and torment trying to resolve this issue. I even pay Experian for a Premium ID Theft Assistance service and they still wont help or follow the law. Just take my money and make my life miserable. As someone on the XXXX XXXX dealing with Experians criminal negligence makes me spiral into despair on a regular basis. Preventing me from living a normal happy life.

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 2018-09-10
Company: Experian Information Solutions Inc.
State: MD
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 sent out 4 different letters dating back as far XX/XX/XXXX to XXXX, XXXX and Experian the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. I wrote to XXXX, XXXX and Experian to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX  has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XX/XX/XXXX/XX/XX/XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can XXXX, Experian and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( XXXX ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police 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 2023-02-10
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent numurous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2023-05-26
Company: EQUIFAX, INC.
State: CA
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 privacy and confidentiality under 15 USC 1681. 

I told the XXXX, and Equifax to reinvestigate this account : XXXX XXXX : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I wants this account deleted ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
First I filed a fraudulent purchase with my debit card which lead to needing a new debit card. A XXXX purchase made that I did not do happened. I was told a report would be opened and I would be contacted in 5 days. Im the meantime I was told I could get a new debit card at any Webster bank location in CT or have XXXX mailed in XXXX days. I opted to go to a branch location. 3 days later I went to a Webster location and was told I could NOT get a debit card in person that one had to be ordered. It would take 7 days. So I did that and took cash for the week out. I think was told by my child care my payment tied to my checking account ( NOT debit card ) would not go through for 3 weeks. I called Webster and they dont see the transactions attempted. They also transfer me to the fraud department who I could not get to someone because I couldnt enter the debit card information. So I hung up and went to a Webster location-Now 10 days with no debit card and 7 days since debit card was ordered. They tell me 10 days for a new card. I mention my issue with child care and she goes oh your routing number changed but your checks are still good. So I now have two routing numbers. I ask how I know what transactions will go through with my old routing number and she says anything you used prior to the change if its a new account you have a new routing number. However, my mortgage company changed and that went through fine even though I made the payment after the XXXX of XXXX. So I call Webster to complain and ask why I have two routing numbers. And they say I got a letter. I tell them no my letter says that with the Webster bank change this summer both my routing and checking were staying the same but you somehow gave me a second routing number that is only needed sometimes. She tells me I have to go to Webster again and request in person a copy of the letter because I didnt get one and they cant do that from a phone request. This would be a third trip to the bank and has been the 3rd phone call. The routing number stated on Websters website is my old routing number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, 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:
XXXX credit card had XXXX balance in XXXX. XXXX fraudulently charged my account in XXXX XXXX. I had never dealt with them. XXXX investigated and agreed to remove the charges and late payment fees. The account was also closed at that time. But after numerous calls, the charges were still there. The bank was calling me daily for payment of fraudulent balance. Each of three credit reports dropped about 150 points. Filed complaints with Equifax and XXXX, but not XXXX. XXXX complaint was settled with the the balance being maintained by XXXX. Waiting for Equifax result. All credit reports are still down XXXX points.This was after XXXX promised to take care of the problem on their end two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: MAJR Financial Corp
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: MoneyLion Inc.
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My adult child fraudulently acquired some {$100.00} or XXXX loan from the company which required loan payment of XXXX ( some scheme they were overcharging and going to refund at end of loan ) with an additional {$20.00} fee per month. Called the company to resolve this issue as it was done without my consent and the company is giving me the run around

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 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-07-19
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE I.C. SYSTEM, INC Original creditor : XXXX Balance details 0 % paid off Balance {$1600.00} Balance updated XX/XX/2023 Original balance {$1300.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2018-06-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX never picked up equipment after we moved. This charge has been removed last year by XXXX and now it appears again with a new debt collector. It states in report that this has been charged off. Have them remove it immediately. Debt collector was notified but still reported this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am a XXXX XXXX XXXX female and rely heavily on XXXX to stay connected to my family. 

On XX/XX/2023, I went into my XXXX account and discovered that the account was locked. I thought the right thing to do was to XXXX and ask for assistance on how to fix the problem. An XXXX number appeared and said " Call XXXX to fix problems. I do so. After giving the Technical Support person my XXXX name, he said my account was " hacked '' and that I must " install '' a new security system which will prevent the account from ever being hacked again. 
However, in order to create a new passcode that I would have to give him access to my Checking account and XXXX XXXX so that he could guarantee the new passcode. By XXXX XXXX, I was so confused and nervous that I gave him my ATM card information. 

The next day the attached charges were debited to my account, and I call my family members who directed me to contact Chase Fraud and report.the SCAM. 

On XX/XX/XXXX ( see attached ) I received the attached Update stating that the transactions which added up to {$1300.00} ( see attached ) were not charged to my account. I breathed a sigh of relief. On XX/XX/XXXX ( see attached ) a letter was sent ( which I only received on XX/XX/XXXX stating that Chase was removing the {$1300.00} from my account, because the transaction was authorized by me. Today, they removed this amount. 
I feel Chase has a legal and ethical responsibility to refund scammed money to their customers. I hope you can help me.

Company response to consumer: Closed with explanation