BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
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: Problem with personal statement of dispute

Complaint:
I have a lease with XXXX XXXX and they are destroying my credit. 

My payment information is incorrect. My name is mis-spelled. I have tried to correct it numerous times with the company. This has led to endless confusion. 

They have reported that I have been delinquent on payments. 

I am attaching an excerpt from my billing statement from XX/XX/2022, which was a month where they claim I was delinquent past 30 days. I can supply the full statement if necessary. 

At the bottom, it shows that the total amount due as of that statement is {$0.00}. Yet that same month they reported me for being delinquent. 

I've called them and spoken to senior managers who claim they " are not able to access my statements '' due to " system issues ''. Multiple times.

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 2017-05-09
Company: CREDIT ACCEPTANCE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help 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 2023-01-24
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter through XXXX  yesterday from midland credit management saying they were going to obtain a judgement against me. The debt is from a stage credit card. XXXX  has closed their stores for about three to four years and has filed bankruptcy. The credit debt was charged off at that time. I called the XXXX  number provided and the person did not speak good English and could not find any account that match my name or date of birth. He then ask me for my address so he could take me off the list for future mailings. I called the XXXX XXXX XXXX and they gave me information that this company has a legal complaint and has to pay consumers back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12
Company: Global Recovery Group
State: DC
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Global Recovery Group continues to call my phone number. They continually threaten to sue or send my " case '' to court. They threaten that I will be " served '' court papers at my place of work. They refuse to send me any information or a validation notice, which is required by law. I have spoken with XXXX and XXXX, the company that Global Recovery Group claims to be collecting for, multiple times. My debt to XXXX was paid back in 2014. I have record that the debt was paid and satisfied. XXXX also informed me that they do not use third-party debt collectors and have told me over and over not to pay this group and that it is a scam. The scammers have called under two different phone numbers and names : Global Recovery Group at XXXX and XXXX at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money was taken from acct XXXX I was not notified from bank that card was being charged {$2000.00} until I went into my app to see my acct was at {$0.00}. So I reached out to Bank of America they asked I go to the bank to speak to someone so I did. Specifically spoke to someone who stated I was the XXXX person that was there to speak to someone because of fraudulent activities on their bank accts. Co workers with Bank of America even had these suspicious activities that same week. After I spoke to the the rep at the bank they stated it would take 45 days for the acct to be reviewed and investigated. I had not received any type of notice until I called BofA. She stated they needed to close my whole acct and make a new one. Never received any new bank information or a call to have something set up or have me come in to get a new bank acct. A few days later I had received a letter basically stating they reviewed account and no further action was needed. This was my mortgage payment and has now put me behind.

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 2017-05-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Synchrony Bank took {$3000.00} out of my checking account which caused {$81.00} in overdraft fees. They promised I would receive credit for those fees. I had to wait  almost 4 WEEKS to get my money back. ( They did n't care and lied MANY times about the return of my money ) I got a letter from them stating that I would get the {$81.00} and so far that has not happened. I do n't know who is in charge at Synchrony but they have some major problems.

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 2022-03-18
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 accounts XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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 2018-10-24
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: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX removed bankruptcy from my credit file for XX/XX/2015 bk XXXX Al. Experian is stating when they verify with XXXX it shows accurate. I need them to communicate and get resolved

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 2023-08-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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:
I reported the unauthorized charges all of them, I did not at any point of my first calls or any other calls I let out any charges to report as fraud as they are saying now, every call that I made chase fraud agents change subjects and history of the " investigation '' and provided weak detailed information about the transactions and the suppose investigation, including the transaction reference numbers and the corresponding amounts. Despite raising this issue and requesting an investigation, I have not received any communication or updates regarding the progress of the investigation, or any steps taken to rectify the situation. all that I received are automatic emails, I send every evidence requested by them when I CALL not when they called, and I do not receive any UPDATE, when I decide to call again their response are NOW : you never send anything, we do not receive any support documentations, we know who send you an email we can't proceed process the request, please send all documents again to this email now, please resend all emails that you received from us, this answer is very clear their lack of knowledge and investigation they are not doing. 

I emphasize that these fraudulent charges not only compromise the security of my account but also erode the trust I have in CHASE 's ability to address such matters promptly and effectively. As a loyal customer of CHASE, I expect a swift and thorough investigation into these unauthorized transactions. 
I kindly request the following actions to be taken immediately : Providing me with regular or daily updates on the progress and findings. 
Temporarily freeze the affected funds to prevent further unauthorized transactions while the investigation is ongoing. 
Provide me with a clear timeline for the resolution of this matter, outlining the steps that will be taken to reverse the fraudulent charges and restore the security of my account. 
I urge to treat this matter with the utmost urgency and prioritize the investigation process to restore my confidence in the security of my account. Failure to address this issue promptly will not only have financial implications for me but will also reflect poorly on the bank 's commitment to its customers. 

I request an acknowledgement of this claim immediately, along with a commitment to the investigation and provide regular updates on its progress for any further communication or clarification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I was trying to make a purchase for new eye glasses and my Care Credit card was declined. After confirming that my account was paid in full, I contacted customer service and they informed me that my account had been automatically closed by their system at the start of the month because of a low XXXX credit score. I checked with my Bank, which provides me my XXXX score every month, and my score has been over XXXX for the past year. I believe closing my account was an error in their system and customer service offered no help in resolving my situation other than to tell me to reapply for a new 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 2023-01-24
Company: EQUIFAX, 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:
This is XXXX XXXX, and I am submittign this CFPB Complaint you today to inform you I that I am a victim of identity theft. I researched on how to remove the fraudulent accounts ad information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which 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 XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} 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 XXXXXX/XX/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 an identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : ( XXXX ) XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX Bank # XXXX, has violated my rights. 
And ( XXXX ) XXXX XXXX # XXXX, has violated my rights. 

Please note : In the Fair Credit Reporting Act ; 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 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 ; and 15 U.S.C. 1681s-2 ( A ) ( 1 ) States : 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. Therefore, this issue needs to be resolved immediately. Thank you for your assistance in this matter.

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 2023-09-01
Company: EQUIFAX, INC.
State: FL
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i 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 statues. Please remove the following accounts completely from my credit reports. 

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 non-monetary relief
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, 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:
On  XXXX   XXXX ,    2017  I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to  two  requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  one  day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with XXXX and the 3 credit bureaus and it came back verified. I wrote a dispute letter to XXXX and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.

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 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I applied for a Capital One XXXX card in XXXX of this year and the card was shipped to me on XX/XX/XXXX of this year. I was approved for {$1000.00} limit. When I received the card in XXXX, Account Number XXXX XXXX XXXX XXXX, I used it for {$120.00} in purchases and then I tried to use it and it was denied. I called Capital One and they said the card was issued in error and they would send me a letter explaining what happened. 

I never got the letter. I have repeatedly called Capital One and have been told a letter was sent, it was not. I have tried repeatedly to access my account online but did not succeed until today XX/XX/2018. 

I applied for an account in good faith and an account was opened and submitted to all three credit reporting agencies. I have made a payment of {$60.00} today, which includes a late fee even though Capital One blocked my access to their online application and I could not make a payment before today. 

Capital One says the account was opened in error, it was not any error on my part and it should not be my problem. The account is now part of my credit history and it is paid, the card should be available to use, I have done nothing to deserve otherwise.

Company response to consumer: Closed with monetary relief