BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
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:
XXXX has consistently been incorrectly reporting to Experian credit bureau that I have a {$1000.00} credit limit for my Rewards Visa. This is incorrect. I have a {$2000.00} credit limit for my Rewards Visa and this incorrect reporting by XXXX has unfairly negatively impacted my credit utilization on my credit report and has significantly decreased my credit score. At times, this incorrect credit reporting by XXXX has caused it to appear that I was over the limit, which I was not and this has significantly decreased my credit score. By reporting that my credit limit is {$1000.00} when it is actually {$2000.00} credit limit, when my card reaches a balance of {$1200.00}, it is incorrectly reported on my credit report that I am over the limit which significantly decreases my credit score. I am unfairly suffering due to this incorrect credit reporting by XXXX. I have attached credit reports showing this on my Experian credit report and there is an incorrect balance showing on the attached XXXX reports. I have also attached proof that I have a {$2000.00} credit limit on my Rewards Visa. 

Also an inactive credit card account is consistently showing on my credit report as 'No Status '. this card account should report as Closed. 

I have filed disputes with the credit bureaus and attempted to resolve with GeorgiasOWN to no avail. I ask these issues are promptly and seriously addressed for this violate Fair Credit Reporting Act.

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 2023-03-15
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2020-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
XXXX/XXXX  XXXX  1 late payment
$XXXX  Balance updatedXX/XX/XXXXXX/XX/XXXX
Account number
XXXX  Account status
Open
Date opened
XX/XX/XXXX
 XXXX  XXXX  XXXX
XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Mr. Cooper Group Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Mr. Cooper Mortgage, Loan Number XXXX We are in the process of a load modification and we were asked not to pay until we get a new bill with the refinanced amount as part of our agreement. The company has not been able to reflect this agreement in the system, and they called my husband 's place of employment 3 times the week of XX/XX/XXXX to collect on a balance that was not owed. I called Mr. Cooper on XXXX and XX/XX/11 and provided my phone number and advised not to call work. 
Mr Cooper called my hsuband 's place of employment again on XXXX and left a message on XXXX specifying the balance past due and sensitive information for my husband 's place of employment to hear on the main line on speaker. 
The recorded message where Mr. Cooper left a message clearly states that it was a business by the name of XXXX XXXX of XXXX that they were contacting and it was a general line. Mr Cooper proceeded to leave a message and at this point it is harassment and a very embarrassing position to be in. 
This is against FTC laws. Please help us with getting this terrible practice removed from this firms ways of working. 

Regards XXXX XXXX XXXX

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 2022-03-16
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am maintaining checking account with Comerica Bank jointly with my wife. I have sufficient balance amount in my account as required by the bank. I am also having one account jointly with my daughter in XXXX with her name as first name and mine as joint holder. My daughter is not operating her account and not keeping the sufficient balance as required by bank. On XX/XX/2022 the bank debited {$46.00} from my account and transferred to my daughter 's account being negative balance for not keeping proper balance. Instead of closing her account or contacting her the bank started debiting {$11.00} for every month. This debit balance is being charged for the last 5 months. This does not make any sense to penalize me for the low balance in my daughter 's account. By doing this the bank is treating me as a defaulter. I request to intervene in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: AMERICAN EXPRESS COMPANY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: TN
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've been in an ongoing dispute with Experian over the past 12 months. They have have left MANY unverified accounts on my credit profile which is tarnishing my credit worthiness. I have asked them specifically to tell me 3 things. 1- What is the name of the person in their company that verified the accounts? 2- What documents did he/she use to verify them and where are they? 3- What is that person 's business address and telephone number? I have a right to know what they used in their supposed investigation to verify these erroneous accounts and they have not once provided me with this information. I've attached a copy of page 2 that I sent them on several occasions.

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 2022-03-16
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer sent me the final modification agreement with the trial payment note and other documents. These documents were signed, notarized and XXXX back to PHH. The required trial payment was also made. I called my mortgage servicer customer service dept to verify they received the documents. I was told by XXXX ID # PDE there was an FHA Covid 19 that was better than the modification we had. 
He also told me they had canceled the modification I had and was working on another modification. I received by mail a denial for my previous modification that we returned to our servicer. Today XX/XX/2022 I was told I was denied, and it was to late for the modification. PHH has canceled my modification, PHH has bad servicing practices and I feel they are trying to set me up for a foreclosure on home. I have done what I needed to do to get my mortgage back on track but the servicer is giving incorrect information and not keeping up with my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2021-03-10
Company: Experian Information Solutions 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
To Whom it may concern, I received a letter from Penfed stating that they will be changing me interest rate from 3.99 % as agreed upon in the contract to 14 % which I don't see in the truth in lending disclosure document that was signed. There changing the payments from {$770.00} to {$980.00}. Which is an {$11000.00} increase in finance charges to the life of the remaining 5 year loan. Mind you none of this stated on the truth in lending disclosure statement. There claim to this abusive charge is that I failed provide a title for the collateral. In Florida the title is electronic as stated on the Application for Vehicle Certificate of Title. Which was included in the paper work sent to Penfed. Upon the purchase on the registration of the vehicle I had Penfed Credit Union as the Lean holder which is stated on the Application for Vehicle Certification. I don't feel this fair nor even legal. I have attached all the paperwork that has been referenced. You may also contact the State of Florida to verify what is on the title. Penfed is acting in bad faith by attempting to add {$11000.00} in financing charges for something that they do already have as collateral as stated by the State of Florida. I look forward in your help to this matter. 

Best Regards, 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 monetary relief
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Received XXXX XXXX notification of hard inquiry made on XXXX by JPMCB Card Services. Change in credit score was lowered by XXXX. 

I have not applied for any type of credit recently either through cards, loans, etc. 


Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are reporting this information in the credit that is not mine. I ask that this be removed from your records and credit. 
XXXX XXXX ACCOUNT NUMBER : XXXX MIDLAND FUNDING ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: SYNCHRONY FINANCIAL
State: NC
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:
Mid XXXX I had checked my XXXXredit score because I was planning on buying a second house in a few months. I noticed my credit has dropped from high 700 's to XXXX. It was showing a credit card that had a balance around {$150.00} and never paid then accumulated late fees. It missed payments then the account was closed back last XXXX. I called the contact that was on the credit report for the card. SYNCB/PPC was the account that was showing on my credit. Its a paypal credit card. They explained to me that the account was opened in XXXX and never used till XX/XX/XXXX where a {$150.00} purchase was to a seller named XXXX. I asked them why I wasn't notified and they said all mailed sent was returned. After investigated with the lady on the phone, we found that only my social security and name was correct, all other information was false. The mailing address, email address, phone number, XXXX account were all incorrect. The mailing address was in a completely different state. I asked them how could Iv even used the credit card if it was sent to another state. I told them I've never opened this account or made that purchase. They sent the file to the fraud department to investigate, then denied my case as fraud and refuse to remove the fraud account off my credit. I called them back and ask why, and all they said cause I didn't report sooner I had a year to report. How would I have even know if all my information on the account was false. I have called back multiple times to work this out with them, and they refuse to give me any solution. We are now in its 5th month and I'm still not getting straight answers. 

My name is XXXX XXXX Phone number is XXXX Since I obviously never recieved the card or was the person that opened it, I can not supply a card number.

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 2022-02-11
Company: SYNCHRONY FINANCIAL
State: FL
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:
Upon applying for a apartment I was advised to check my credit report. When I requested a full credit report through XXXX XXXX I noticed a collections and, balance owed. 
There was a credit card opened in my name with some of my info for a Synchrony Car Care credit card. It stated I was in collections for a balance that I supposedly owed. I then contacted Synchrony Bank, gave them my info, and was told the card was opened in XX/XX/XXXX, and there was a balance of {$2300.00}. I informed then that I did not open said credit card, that I did not get my first car until XXXX. They said they would open a investigation. It would take XXXX I believe, maybe 45 days. I later received a letter stating case was denied. For a Synchrony XXXX credit card. I contacted them again, and informed them the XXXX card was paid in full, and gave them Car Care card through them. After waiting my mother contacted XXXX and gave them all the info that we had. My mother got involved because she had accounts from XXXX on herself, my younger brother, and myself, and at the time this happened I was a minor and that they never contacted my mother to alert her this was happening. Moving forward my mother, myself, XXXX with XXXX XXXX, and Synchrony Bank have had NUMEROUS contacts re ; this issue. today XXXX, my mother, and XXXX all got on the phone with XXXX with Synchrony Bank who informed us that it was denied again XX/XX/XXXX. XXXX did let us know he will submit another XXXX form and advised us to contact 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 explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NM
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$350.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3800.00}, XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2022-03-16
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The American Express team cancelled my card for no apparent reason. Someone made a fradulent charge in the amount of {$1000.00} last month. I contacted the police and I have a complaint number.Someone in XXXX, NJ used my card fraudulently. I was in the process of setting up a new checking account to make the regular {$40.00} payment to American Express. They cancelled my cards and I would like to re instate the account. I never have a problem with making payments. I think that someone is hacking my cellular phone and personal information. They caused me to ruin my accounts. I never had a problem like this previously. I had this card since I graduated from college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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:
XXXX between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation