BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
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: Their investigation did not fix an error on your report

Complaint:
I have submitted a few disputes to XXXX XXXX XXXX XXXX 2 accounts in reference to the erroneous, inaccurate and Non-Compliant information that is being reported on my credit report. I have sent in a copy of the credit report showing all the inaccurate information that is being reported and it is still being verified. So, this just let me know that no investigation is being done. The last dispute that was sent in is when I noticed that the account was closed and they are still reporting CO in the 2year payment history. One account is charged off in the amount of {$10000.00} and the other is 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 2021-06-22
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 is missing that should be on the report

Complaint:
EXPERIAN TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX  XXXX XXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXXBOTH OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS PHYSICALLY MENTALLY AND EMOTIONALLY XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX  EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT DISABILTY PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: Continental Finance Company, LLC
State: PA
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:
XXXX  mastercard is charging me for an amount that they already refunded to to a charge made on my account that was not made by me. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was charged {$10.00} each month for XXXX which I did not purchase. I called and disputed these charges and XXXX refunded my account. I closed this account afterwards due to the annual fee and they reinstated these charges. I've called several times to resolve this and the last call I was informed that a supervisor would call me back ... This has not happened. I would like to file a complaint and know what my rights are as they are trying to extort money out of me because I simply closed the account. I have the letter of dispute and the final statement that shows a XXXX  balance which should have been enough, but XXXX told me that it doesn't matter and the charges are valid. All files are electronic and now I can only access back to XX/XX/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 2023-12-01
Company: WELLS FARGO & COMPANY
State: TX
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:
On XX/XX/ i discovered that someone submitted a XXXX postal change of address for a XXXX XXXX XXXX XXXX business card I applied for. I called XXXX and they immediately cancelled the card and sent a new one. Few months later I reviewed my credit report and discovered an address not associated with me XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX. After doing a XXXX search I found the Address belongs to lawyers at XXXX XXXX XXXX. I have never been affiliated with this address or group and would like this to be investigated. Also, I received a random call from Wells Fargo stating they wanted to verify that I opened an account. I said no I have never opened an account with Wells Fargo. The person said that someone has opened several business accounts across the 50 states using my business XXXX and personal information. I have no idea how this information was leaked. However, I want to report it and have this issue investigated and 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 2023-06-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: Nelnet, 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:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: CITIBANK, N.A.
State: IN
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:
Account was paid XX/XX/2022. Best Buy/Cbna XXXX Citibank ) reports negative payment history until XX/XX/2022. 

Account was paid XX/XX/2022. Best Buy/ CBNA ( Citibank ) reports it as a charge off in the payment status section. 

I disputed this with them 3 times and they said that they will not change the charge-off because its a charged off account but the correct place to indicate the account is a charged off account is in the ACCOUNT TYPE section which it currently does. But they want it also in the the PAYMENT STATUS section which is what Im disputing because since the account is paid it should show PAID. To have charge off in the payment status indicates that this account was never paid off and it is a violation of my FCRA rights to report it this way. BEST BUY/CBNA ( Citibank ) tried to get around this by putting paid in the notes section of the account but I lost 40+ points due to them updating the payment status and payment history with incorrect information. So just like they changed those sections to report NEGATIVELY, they should be able to go in and undo the inaccurate NEGATIVE information so it can have a positive effect on my score. PAYMENT STATUS SHOULD SHOW PAID! And PAYMENT HISTORY SHOULD NOT SHOW NEGATIVE HISTORY PAST XX/XX/2022 since I paid it XX/XX/2022. Best Buy/CBNA ( Citibank ) has to update the actual report not just add notes onto the account because i lose points based on whats in the payment history and payment status section NOT whats in the notes section on the account. They are being lazy and are not doing bc the due diligence to correct this. They have sent me correspondence that verifies everything Im saying but when they resolve the matter all they do is add a note to the account they do not change the inaccurate information. 

If they are reporting the right information then XXXX is not up updating it correctly but I dont think thats the case.

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 2021-06-23
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a Fortiva Credit Card with a {$500.00} limit. The card has not been working due to unannounced freezes in which I never received any sort of heads up. Currently, XX/XX/2021 when you call the number XXXX XXXX XXXX it says that there is some sort of update in progress. I have not received any emails or literature about the update and received no notices about updates via WEB portal or mail. I believe it is a scam so I wanted to close my account because I have a card that I can not unfreeze or close. 

I have been trying to close my account now for 3 days and have been placed on hold excessively ( +15 minutes ) multiple times throughout the last 3 days. Each of the 9 different people I have spoken to have said different things about my account and why it is frozen, or why they cant help. I even tried texting them and chatting with them about closing my account and they do not respond after I say I want my account closed ( they ask for my email but never respond and I received no emails ).

At this point, they are stalling to earn interest and charging monthly maintenance fees and yearly fees for an unusable credit card account. They make it virtually impossible to close accounts. Impossible to use the card while they charge fees and accrues interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: DE
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX, XXXX, AND EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
My vehicle loan with XXXX XXXX XXXX became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. XXXX  reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if XXXX took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.

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 2021-06-22
Company: ENCORE CAPITAL GROUP INC.
State: NY
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. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony closed card account on XX/XX/XXXX. Didn't receive any notices or account closure letters until my credit report notified me of the closure. Reached out to Synchrony on XXXX on XX/XX/XXXX, called customer service on XX/XX/XXXX to attempt to resolve this quickly. 

XXXX  support was generally unhelpful, and never looked at the account. They only issued general info about account closures. 

On the phone service line, XXXX ( ID XXXX ) was helpful, but couldn't do anything at his level. He transferred me to XXXX ( ID XXXX ) who was unwilling to help with the issue, and only told me to apply for a new credit card. Since that involved another credit pull, I didn't want to go that route. After asking for other solutions repeatedly, he finally allowed me to put in a request to have someone above him call me back. Still have not received a resolution.

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 2021-06-22
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened three business credit cards with Chase. The credit card that is the subject of this complaint had a minimum spend requirement, which I satisfied, in exchange for XXXX Chase Ultimate Rewards Points. The credit card referenced ends in the four digits of XXXX. 

On or around XX/XX/2021, I logged into my Chase account and discovered that the account had been terminated, and that the XXXX bonus points attributable to the account had been forfeited. I never received any phone call, written correspondence or email about the account cancellation or forfeiture of bonus points. 

I work a busy full-time job, but set aside time to attempt to resolve the issue with Chase. On each call, I was referred by a Chase employee to a supervisor to request that the points be reinstated given that I had received no notice of the account closure or points forfeiture. The supervisor said that Chase had sent a notice by mail that was not returned, and therefore I had been deemed to have received notice of the account closure and points forfeiture. Apparently, if I had transferred my points to another of my two accounts within a certain period following the closure date, I could have retained my points. I would have absolutely done so had I received adequate notice from Chase, but I did not. 

On the first call, the supervisor told me there was nothing she could do. One the second call, the supervisor told me that she would initiate a " formal complaint '' to see if I could have the points reinstated, and that I would receive a written response from Chase within 5 to 7 business days. 

I then learned about my right to file a complaint with the CFPB, and called Chase once final time to see if they could reinstate the points without a CFPB complaint filed. On this third call, I was again connected to a supervisor who told me that the supervisor from my second call had NOT filed a formal complaint despite her telling me that she had done so, and that there was nothing they could do. 

I believe that my points were unfairly forfeited given Chase 's failure to provide adequate notice. I regularly receive notices about my credit cards via email, text and mail. Apparently only one piece of mail was sent to me about this matter of real value, and I never received it. Please see my request for relief below - I am simply asking for a reinstatement of the points that I earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: SF VAGO, LLC
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 status incorrect

Complaint:
I HAVE CALLED XXXX XXXX AND THE COMPANY EMVLP LLC ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY XXXX, XXXX, AND XXXX.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Malen & Associates, p.c.
State: NY
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:
Debt collection agency attempting to collect on a debt from 2010. They filed legal actions on me. Was notified by a company that I was seeking credit through that they could not give me approval due to pending legal actions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a victim of identity theft and numerous charges showed up on my Barclay 's Gap Good Rewards Mastercard and I filed a dispute with them for many transactions. The fraudulent charges were {$20000.00} and I have documentation showing that my credit limit was only XXXX XXXXXXXX. Barclay 's shouldn't have allowed anything over this $ XXXX credit limit. I never authorized an increase in my credit limit. I have contacted Barclays ' numerous times to resolve this, and they credited me one of the fraudulent amounts, but they were unable to resolve the other transactions that were identical in nature. Barclay 's never explained why my balance was allowed to extend {$10000.00} over my credit limit. I faxed them a dispute letter on XX/XX/XXXX  discussing all the fraudulent transactions along with information showing the identity theft. I have reached out countless times to get an update on my dispute, but I have never gotten an answer as to why they allowed the credit limit to be exceeded so significantly. 

My hope was that Barclay 's would credit my account for all the fraudulent charges. It doesn't appear that is going to happen. I have repeatedly submitted disputes and they continue to say the charges are valid with no explanation. I don't feel like they reviewed any of my identity theft documentation. I filed a police report for my identity theft because many charges were made on different cards and other cards were opened in my name that I did not authorize. Barclay 's is the only company that has not resolved fraudulent charges on my 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 2022-12-13
Company: EQUIFAX, INC.
State: IN
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:
Account Name on XXXX is XXXX XXXX XXXX XXXX, Account Name on XXXX is XXXX XXXX XXXX , Account Name on Equifax is XXXX XXXX XXXX ... . Account Number on XXXX is XXXX, Account Number on XXXX is XXXX, and Account Number on Equifax is XXXX ... .. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation