BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-02
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I opened a XXXX XXXX XXXX credit card ( which is run by Synchrony Bank ) and  made a purchase of {$4700.00}. There was a promotion to earn 20 % back in " reward points. '' When I received my statement, they had only given me 10 % in rewards. I called and they acknowledged the problem but said it would take 1-2 billing cycles to resolve. When I received the next bill, I had been issued a " rewards certificate '' for the remaining number of points that were owed to me. However, when I went to use the certificate at XXXX XXXX XXXX, the certificate number did not work. When I called Synchrony Bank, they didn't know why it wasn't working and said it would, again, take 1-2 billing cycles to resolve. When I complained that I had already waited an additional billing cycle to get points that were owed to me, they said that there was nothing they could do. When I asked how they would be fixing this problem, they said they didn't know. 

This bank clearly has an issue with their rewards points system- it should not be that hard to get things right.

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 2023-08-09
Company: ENOVA INTERNATIONAL, INC.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I informed them that I was no longer employed as of XX/XX/XXXX. My son was ran over by a car and suffers from a XXXX XXXX XXXX. I am his caregiver and we only have his social security for income. They were not willing to offer any hardship and constantly calls and emails every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: AZ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX 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 2019-02-02
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IC System, Inc., a third part debt collector, is reporting a collection account for XXXX in the amount of {$390.00}. The state of Texas requires debt collectors to be bonded. IC System, Inc. does not possess an active bond in the state of Texas and therefore does not have the legal authority to collect debts in Texas, or report those debts to Credit Reporting Agencies. 

Accordingly, I demand that IC System, Inc. immediately cease all attempts to collect this debt from me, as well as delete the account with both XXXX and XXXX. 

Per the Texas Secretary of State 's website, Debt Collector Search tool, IC System Inc. 's surety bond in Texas was cancelled XX/XX/2004.

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 2021-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/21 I checked my credit report for the first time in a very long time and it was brought to my because my score was so low that accounts had been opened in my name without my consent. I reached out to each credit bureau and they told me that I would have to get a police report to get it removed. I had a police report filed and sent in but now they are stating that no account numbers are on the report. I have the report numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complain is to EXPERIAN. I have disputed five times with Experian the collection that XXXX XXXX XXXX XXXX placed in my credit report. Where the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) was violated and validation is requested. I never received any communication from XXXX XXXX XXXX XXXX. EXPERIAN responded that the information was VERIFIED AS ACCURATE. In other words, EXPERIAN is agree that this Act be violated by 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 2022-07-07
Company: Bread Financial 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:
Issues with CRA and Furnisher lack of cooperation in the production requested in support of the verified and ACCURATE reporting to the XXXX. Dispute my efforts of disputing directly with furnisher and failed attempts to obtain accurate reporting in trade line seeking your assistance with the enforcement of the violations committed against my consumer rights to accurate, complete, errors free reporting in my credit report. 
I have exhausted all ways of communications with furnisher, no response, giving me the run around. Most recently, exhibits attached spent over an hour on the phone with a representative from Comenity, who forced to provide my full social security # after providing the full account #. Moreover, limited and untrained, unqualified points of contacts located in XXXX and limited information from employees working from home, useless escaltions of my issue with no results. The last written correspondence sent via cert mail, was signed by an employee who is no where under the directory of the company. Last week, contacted XXXX directly and was advised that if the furnisher does not the information then they put X because they can not verified. 
Lack of cooperation from both parties. Both companies operating in concert violating my consumers rights to fair reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02
Company: JPMORGAN CHASE & CO.
State: GA
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 am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Questionable XXXX XXXX account listed on my credit report. 

XX/XX/21 Certified letter sent to XXXX requesting validation of the debt. 
XX/XX/21 Response received from XXXX, validation request not honored in correspondence. 

XX/XX/21 certified letter sent to XXXX, Equifax and XXXX to alert of failed validation and request to verify debt. Copies of all correspondence submitted. 

XX/XX/21 response received from XXXX, validation request not honored in correspondence. No response received from Equifax or XXXX. 

This is adversely affecting my credit score and in turn my quality of life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt was paid off and EQUIFAX has not removed it and it is a violation and stoping me from moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: MO
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:
Requesting the removal of all negative accounts and adverse remarks. It is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware all negative remarks found on my consumer report is a violation of the FCRA and the FDCPA when you can not furnish the validity of the remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 convergent XXXX XXXX XXXXXXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: GA
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:
Dear CFPB, I am responding to last previous dispute against Experian Credit Bureau response to you. I give the company Experian authorization to proceed with my complaint to resolve this issues on my credit report to remove the incorrect information immediately. 

I have previously submitted a compliant in regards to the company Experian Credit Bureau, that is continuing to report inaccurate account on my credit profile without mailing me proof of their method of verifying that account. I have submitted proof of letters of concerns with Experian and provided a letter from the GA Bankruptcy Courts stating they do not use third-party or do not report to any credit bureaus. This has been a stressful process dealing with Experian unethical behaviour of not investigating my request properly. 

Experian is not in compliance with reporting this inaccurate information on my credit report that is ruining my credit rating and reporting misleading information. I have been patient for several years and ask that you hold them accountable to the FTC, FCRA, FDCPA Law of my right of reporting accurate information on my credit profile. Experian has not sent me proof of any document of their method of verification and documents thats shows that my account. 

I ask that Experian mail me the documents that i requested and not an automated statement that does not prove anything. I am requesting method of verification documents with my signature that the requested account be Removed from my credit report immediately. This process has been stressful and this is my last result before I will have to take legal actions against Experian Credit Bureau. 

Thank You for helping me resolved this matter and hold Experian Credit Bureau accountable for reporting inaccurate information that's ruining my credit rating from obtaining any credit. Thank You for helping me correct and resolve this misleading information on my Experian credit profile. 

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 2023-06-20
Company: EQUIFAX, INC.
State: MD
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email from Chase saying my account was being closed and also that my number was deleted from my account. I called the next day in the afternoon trying to figure out what it all means. I have had my chase account for years, i first started with liquid then this. I asked what the reason behind it was and they told me they can not tell me. I was confused and frustrated because I use this account for everything and I also have just moved from California and thats the only bank i use in case family needs something because we all have that bank. I wish they wouldve spoken to me before just closing it without an explanation or allowing myself to provide my information or even show them i have my card. They said there was suspicious activity but i have my card and every alert and notification comes to my phone and email so I was very confused. I do not wish to go into the check system because ive heard those are hard to get out of especially since ive done nothing wrong and i dont want my credit affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE AND PROVIDE ALL INFORMATION TO MY SERVICER, THEY HAVE REPEATEDLY REQUESTED FOR MY TAXES WHICH I HAVE CONFIRMED ON EVERY CALL THAT IT HAS BEEN RECEIVED. 

I SPOKE TO A SUPERVISOR WITH THE TELLER ID # XXXX AND WENT OVER THE TAXES WHICH WAS CONFIRMED RECEIVED. I HAVE LOST MY XXXX 'S SO I HAD TO REQUEST TRANSCRIPTS FROM THE IRS WHICH CLEARLY STATES THAT I FILED XXXX TAXES WITH MY NAME AND SS #. THE SUPERVISOR I SPOKE TO DIDNT KNOW HOW TO READ TRANSCRIPTS BECAUSE I WAS TOLD MY NAME WAS NOT IN IT SO I HAD TO POINT IT OUT, THEN STATED MY SS # WAS NOT ON IT SO AGAIN HAD TO POINT IT AND LAST QUESTION SHE ASKED WAS I DONT SEE THE TYPE OF TAXES YOU FILED SO AGAIN POINTED OUT WHERE TO LOCATE IT. I CANT BELIEVE THAT A SERVICE OF MY LOAN DOES NOT KNOW HOW TO READ TRANSCRIPTS.. THIS IS MY HOME AND THEY ARE IN CHARGE OF MY LOAN, XXXX HELP US ALL. THIS IS WHY XXXX HAPPEN DUE TO CFPB AND FTC NOT REGULATING WHAT THE LENDER IS REALLY DOING. THIS IS SO ABSURD THAT I HAVE TO EXPLAIN TO THEM HOW TO READ TAXES!! I WAS NOT IN FORECLOSE UNTIL XX/XX/XXXX AND THESE TAXES HAVE BEEN CONFIRMED RECEIVED SINCE XX/XX/XXXX WHEN I FIRST APPLIED. CARRINGTON MORTGAGE HAS PLACED ME IN FORECLOSURE WHILE I HAVE BEEN IN COMPLIANCE WHICH MEANS THEY ARE NOT IN THE BUSINESS OF SERVICING THE LOAN THEY ARE IN THE BUSINESS OF TRYING TO FORECLOSE ON PROPERTIES FOR THE INVESTORS THAT HIRE THEM. 

I JUST SPOKE TO XXXX XXXX ID XXXX WHO CONFIRMED AGAIN THAT THE TAXES ARE THERE AND SHE SEES THE NOTES OF THE PREVIOUS SUPERVISOR TELLING THE INTAKE TEAM WHERE TO LOCATE LEGAL DOCUMENTS PROVIDED BY THE IRS WHICH THEY ARE IGNORING AND DOING WHAT THEY PLEASE. MY ASSIGNED POINT OF CONTACT XXXX XXXX ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is in regards to my Chase Visa amazon credit card that in XXXX which has since been canceled. 

I had a fraudulent transaction that took place on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, Washington DC. and XXXX XXXX XXXX in XXXX XXXX, MD for {$1200.00} and {$13000.00} respectively. I canceled the card and reported the fraud immediately and these charges were removed from my account. I recently saw in my last statement that these charges were rebilled back to my account. I was told that it was because there was an ID present at the transaction. 

I told the fraud specialist that my car was illegally entered into back in XXXX of this year, and I had the credit card stolen and an old expired ID was stolen as well. The thief must have used my old ID, even though it was clearly expired, to complete the transaction. He was able to do that because people can still use expired IDs due to COVID in some areas of the country. 

I have a text message from my parents on XX/XX/2021 that says that they saw on my security camera that someone illegally entered my car and took stuff out of the dashboard when they looked at my on my security footage. I also have evidence from my XXXX location service that I was in the vicinity of my home all day that day. 

Those transactions don't reflect a pattern of purchases that I make with that card. I ONLY use that card to make purchases off of amazon and they are never that large. It should be obvious that I didn't make those purchases What is worse, is that when I called XXXX XXXX in XXXX XXXX they have no record of the supposed transaction taking place on that day. That means the credit card company is lying when they say that I made the purchase in-person to avoid refunding me. That is unconscionable and why I am making this complaint. I have evidence from XXXX XXXX that I only made one purchase in XXXX, and it was not on that day. XXXX XXXX has no record of me making a purchase on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation