BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: VA
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-02
Company: LEXISNEXIS
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:
I was at an auto dealer and the dealer was interested in my credit reports. I unlocked my XXXX and XXXX reports ( as requested ). Instead of using these reports which showed my credit score in the XXXX 's, they requested funding from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This bank got a credit report from a company called XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The score given by XXXX XXXX was XXXX. The reasons given for this ( low ) SCORE were the following ; Limited history for consumer at this phone. I have had this phone number since XXXX. 
Length of residence short. I have lived here witha mortgage since XXXX. 
Too few active accounts, actually more accounts ( all in good standing ) than I have space for here. 
Limited credit history. I'm XXXX y/o. started paying into SS at age XXXX. My question : How can this company ( now associated with XXXX ) Give an important credit score without doing their homework? Basically they are lying to XXXXXXXX XXXX by misrepresenting my credit history. Did they check with XXXX of the XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$22000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; XXXX XXXX XXXX XXXX {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: FISERV INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filled out a dispute form and both emailed and faxed to this company back on XX/XX/2022, for a fraud claim I had filed with them shortly before over the phone. They only resolved one measly charge, out of the 13 that I reported fraudulent. They completely eluded about 90 percent of my fraud claim...

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 2023-07-23
Company: BLINCLOANS, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I fell behind in my loan due to personal issues and me being a XXXX  mom of XXXX I was notified by the company that I can renegotiate my loan which is XXXX and they will take XXXX XXXX my loan which would be about XXXX I went to apply for the renegotiate and tit still showed my current loan of XXXX without the XXXX XXXX and they were charging me XXXX in Finiance charges which brought the total to XXXX to pay off I called the company to explain to them my calculations how was it that much when my annual rate is XXXX XXXX she didnt say anything until I acknowledged that it was predatory lending and I will be reaching out to file a complaint she then said dont do that it was just a system glitch and that my loan will be XXXX I asked her what the financie charge will be she wouldnt give me an answer said a supervisor would be calling me no one ever reached out I received an email saying my account was past due XXXX which its not only XXXX and wanted me to pay immediately they have now been sending me invoices telling me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to contact Experian to reset my log-in and password and have not been successful. I have called 6 different phone numbers in that company and all have the same voice mail message and prompts. Not one option is to reset log-in and password. There is no option to talk with a live person. I want to reset my log-in and password so i can unfreeze my report. I have sent them a letter 4 weeks ago and have not heard from them.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have accounts and inquiries on my report that are unauthorized and inaccurate and want them removed asap.

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 2021-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Respected XXXX XXXX XXXX XXXX XXXX XXXX citizen and I have experienced serious health issues during the pst several months including XXXX and other XXXX and XXXX problems. Im on bed rest and in critical situation however these people of capital one are harassing me as Im a XXXX XXXX  citizen and ive no financial means at all. My payment history and everything is excellent as I couldnt no longer monitor and handle my accounts so I had to close then all and I dont know if i will stay alive. I sincerely urge that this financial institution waives my balance or whatever is owed XXXX $ or something which they are saying as i paid everything and they harshly accumulated interest on me as account was closed. Please waive this capital one account with XXXX balance as I cant do anything. I appreciate as Im a XXXX XXXX  citizen and in a really unhealthy XXXX condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: JPMORGAN CHASE & CO.
State: MD
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:
As a Chase card holder, there is this new " benefit '' called stored cards. This is where Chase somehow decides which vendors should be updated when a cardmember has had to change credit card accounts due to fraud, theft or loss. Mind you, the customer has no input into which vendors are on this list - there are vendors on my stored cards list I have only ever transacted with XXXX time. The issue is there is no path or recourse to the customer to REMOVE a vendor which Chase has decided to place on the list. So not only can I not indicate who I would want on this list- if indeed I actually wanted a list of vendors updated about my having to change cards- but there is no XXXX way for me to initiate having XXXX of the vendors removed. I have no idea what criteria Chase used to decide on the vendors, if the vendors were vetted ... no one even asked me if I wanted this XXXX service, but I am forced to have it and am stuck with it and the vendors that Chase decided should be kept aprised of my financial account changes. I not only don't need Chase making these decisions for me, I don't want it but am told there is no way to remove this " benefit ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I lost one of my jobs during co-vid and because of that I wasn't able to pay off my credit card in full. Therefore interest has been collecting. I called many months back and the rep that picked up the phone has promised to waive all my fee 's if I am to pay the card in full, but this isn't something they usually do. 
At the time, I couldn't afford to pay everything in full. I was only working 1 job.

Present day - I'm finally back up on my feet and I have a job that can pay this debt in full. But, I'd like if Chase could waive ALL the interest fee 's. This would really help me get back on my feet, but they told me no. Not only just " no, '' there's no explanation. 

I've been with Chase for over XXXX  years and this is how they treat their customers. My family and I will be pulling out of Chase Banking because this is pathetic if they don't even have any empathy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ive been applying for a loan modification with Homebridge since XX/XX/XXXX. Ive had to submit multiple complaints to them in order to try and receive any help but still none. They finally approve me for a loan modification XX/XX/XXXX. I sign My agreement and send it back to them via XXXX certified mail. Tracking # XXXX. This shows signed for my Homebridge on XX/XX/XXXX at XXXX. I just Received a letter in the mail with my trial payment returned and them stating they never received my agreement signed. This process is very frustrating and this company does not know what they are doing. Im on the phone with an associate now saying my modification is denied. This is complete and utter nonsense!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company, Phoenix Financial Services, sent me correspondence regarding resolving a debt. I called them, they offered a settlement amount to resolve the entire debt owed, and I paid that amount to them. I have a picture of the transaction of the payment I made to them. This payment was made on XX/XX/2019. I recently checked my credit report, and the same debt they agreed would be resolved had not been cleared off my credit report, and worse the balance was still the original balance, so the money I paid Phoenix was not even taken off my balance at the very least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX. I recently received a check in the mail from the U.S Department of Treasury in the amount of XXXX. It was a Federal Student Loan Refund from the Department of Education. I deposited the check in my Chime acount on Wednesday XX/XX/2023. On Thursday XX/XX/2023 I check my Chime app and noticed that I have been locked out of my account. I received an email from Chime stating that unusal activity of a recenty check deposit requires necessary document requsted from me to be reviewed to unlock my account. I immediately uploaded all requested documents to Chime on XX/XX/2023 after I camed back from a family reunion vacation in Florida. I even took an extra step and Called the Department of Education to verify that the check was intended for me as the recipient. They said YES the check was for me. They sent me an invoice/letter via email for record of confirmation. I forward that email to Chime as well. Everyday I called Chime and no response on how long it will take for them to released my funds back to me. I have a total off {$8000.00} in that account and no way to pay my bills. I am behind on bills and on the verge of being homeless. I filed a compliant with California Financial Protection and Innovation on XXXX XX/XX/2023. My complaint # XXXX. I reached out to the local news and emailed them my situation to see if i can get some help on how to resolve my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Equifax is not properly reporting my credit cards to my report..I have a higher total credit card limit but they are not showing properly on my report causing me to have a higher usage percentage..They say I have a 4800 limit throughout all my cards and the limit is actually higher than that..And I see that they are not even listing one of my card accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I have only disputed this with the credit bureaus. I do plan on reaching out to the company ( LVNV Funding LLC ) as well but also thought to go on ahead and file a complaint because : this account keeps changing dates constantly and consistently reporting over and over again as a " new '' collection, a recent collection, a just now occurring collection ( dragging down my XXXX XXXX ) and I don't know how or why they can keep doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Re : TJX RewardsMasterCard AccountNumber : XXXX Account Balance at Time of Sale : {$220.00} Date : XX/XX/23 Dear Synchrony Bank, ( A Dispute Complaint ) This letter is to inform you that the above amount is not my bill. So, I am dispute it. 
I personal visit the store and spoke to the manager and gave her a written statement OVER TEN YEARS AGO. 
The above is not my account of my bill. So, please leave me alone... .This is totally unlawful for you to continue over several years bothering me on an account that not legal my from the start. THANK YOU!

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 2023-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to express my extreme disappointment and frustration with the way my recent dispute was handled by your supervisor XXXX with Employee ID XXXX on XX/XX/2023. Not only was the dispute mishandled, but the supervisor went so far as to close my credit card account without my authorization. 

I had submitted a dispute against a merchant for over charging me. However, the supervisor assigned to my case failed to properly investigate the matter and completely botched my dispute. Instead of helping me resolve the issue, the supervisor closed my account without any warning or authorization, leaving me without access to my credit line. I have recurring charges that need to post by XX/XX/2023 that won't be able to. 

This is completely unacceptable and has caused me a great deal of inconvenience and stress. Not only did the supervisor fail to help me resolve my dispute, but they took it upon themselves to make a decision that directly impacted my credit score and financial standing. 

I expect better from Capital One and its employees. I request that my account be reopened immediately and that the issue with the merchant be properly investigated and resolved. Additionally, I expect compensation for the inconvenience and stress caused by the incompetence of the supervisor assigned to my dispute. 

I appreciate your prompt attention to this matter and expect a timely resolution. 

This mistreatment is unlawful and financially harms consumers. I hope CFPB can help remedy this situation and hold Capital One accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion, XXXX  and XXXX have received the proper court ordered documentation that was signed by the Judge of the Federal Bankruptcy Court, Distric of Minnesota, saying that the accounts in question connected to XXXX have been discharged and are no longer available to claim any debt. XXXX was given 90 days to appear in court or write a letter proving their " supposed '' lender that they service was original owner of the dept in question. XXXX never showed up within the 90 day timeline. XXXX XXXX XXXX XXXX gave an additional 30 days for them to come forward and they still never responded. Due to these actions, and the mass amount of evidence brought forth, the judge dismissed any further collection of XXXX. Transunion, XXXX and XXXX have received these courts orders proving this information along with disputes to lawfully report correct and accurate information. According to the Fair Credit Reporting Act these 3 companies are obligated to correctly report information. At this point they keep reporting false and innacurate information even though they have received the court orders verifying the correct information, that proves these accounts are no longer open. XXXX keeps closing and reopening the same accounts that are in the court ordered documentation. The constant changes are damaging 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 2023-07-22
Company: BetterNOI, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for an apartment at XXXX XXXX  in XXXX, GA, and was advised that my app was denied due to Screenin Reports, Inc. 's information claiming I was evicted in XXXX of XXXX. This is not correct. I was not evicted in 2023 from XXXX XXXX XXXX XXXX nor were any legal proceedings brought against me at that time. I just had a court appearance this month in which I am voluntarily moving on the XXXX of XXXX thud no writ of possession has been ordered and any funds I still owe the landlord has been agreed to be paid monthly between the landlord and myself starting in XXXX. The landlord is not renewing my lease because due to unfortunate circumstances my son had to move in with me so he would not be homeless. Since this is a senior citizen development and I knly have a XXXX bedroom apartment the XXXX will not renew my lease whether I owed rent or not ; but I was not evicted in XXXX, and no proceedings were filed in XXXX, thus the information that Screening Reports Inc. is reporting is inaccurate and should be removed immediately so that I can be approved for another apartment asap. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: DC
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:
Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX

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