BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, 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:
On XX/XX/2022 XXXX Credit Report Agency sent an alert " someone requested access to your XXXX credit report, the requester has been identified as : SYNCB/PAYPAL XXXX XXXX XXXX XXXX, MD 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 2022-07-07
Company: Experian Information Solutions Inc.
State: FL
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:
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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX ( Original Creditor : FLORIDA XXXX ) XXXX Balance : {$750.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The apartment I rented charged me {$300.00} of trash dumping fees that I believe is wrong. I did not dump anything when I left. I have requested surveillance footage proof of me dumping furniture in the dumpster, as well as an itemized bill for the trash dumping. This is information the apartment management has previously claimed they have, but none of which they were able to provide in the 5+ times that I contacted them in the past, neither did the collection agency. Additionally, I requested that the debt not be reported to credit reporting agencies until the matter is resolved but they didn't agree to it. The debt was originally reported to me on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This account has been previously disputed multiple times and complaints filed with the CFPB with no resolution. The XXXX XXXX card account continues to provide different account information year after year. The various attachments to this complaint are provided by various credit bureaus to show how the payment history and account closure date and status change every year even when I dispute the information with XXXX and Equifax with provided documentation. This account was paid and closed XX/XX/2021. It has continued to report different information between various credit bureaus ( Equifax, XXXX, XXXX ) which has had a severe negative effect on my ability to obtain personal loans for the continuance of my education. It has been stated on a recorded line by Equifax that it can be visually seen that the information is reporting incorrectly, but nothing will be done. This is in violation of consumer laws with the FCRA for " Treatment of inaccurate or unverifiable information. '' It states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have requested XXXX to correct the account, but that has failed. At this point, the account should be removed. I paid the account in full and was informed that the account would be closed after the last payment, but it was not. There was a random {$0.00} applied to the account from XXXX months later which further delayed the closure of the account and the continuation of reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I tried to buy a XXXX XXXX online in XXXX. Repeatedly after being told a car was available, I applied for credit with Mazda 's financial arm, and then shortly after, the car was no longer available. This happened multiple times. I even waited for a sales rep to explicitly tell me when to come in. Then I went in, but they had no one on hand to actually sell me the car.

Yes, I filled in the applications, but with the express understanding that the car ( s ) were available. They induced me to run two credit checks in the same week and I came away with nothing for it because they weren't available for sale. It's hurt my credit score and I want these inquiries removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: LA
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:
In XXXX I received a letter from Chase Bank stating that my credit card account that was not delinquent and had always been paid on time since opening 8 years ago, would be closed. The reason given was that it was associated with an account that was closed. I am not and have never been the primary account holder of any other accounts at Chase, but my mom did add me onto her checking and savings accounts years ago in case of an emergency. When I reached out to Chase about this, I was transferred XXXX  times. The XXXX  person I spoke with told me that my credit card account would be reinstated and no further action was required by me. A few days later, my mother received a letter similar to mine, but it only stated her checking and savings accounts would be closed. Not her investment accounts OR her credit card account. To date, her Chase credit card is still active. Today, XX/XX/XXXX, I discovered that my credit card account has indeed been closed. I reached out to Chase and was told that the person I spoke with last month lied, that my account is closed and there is nothing I can do about it except apply for a new credit card with them. They would not give me any reason as to why my account was closed. I am frustrated that not only was my account closed after I was told it would not be, but also because I am left wondering why this happened in the first place. I travel frequently for work and had this happened to me XXXX weeks from now, I would have been in another state without a credit card to make purchases with. Speaking for all Chase customers, I feel like we are owed an explanation as to why our accounts are selected to be closed for what seems to us to be random reasons, and they need to work with their representatives about telling the truth when it comes to account status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$11000.00} ), XXXX BANK ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The EXPERIAN Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}

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 2021-06-01
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Mortgage account with Ameris Bank has been reported negatively on our credit report for the last three months ( XXXX, XXXX, XXXX ) last report to Credit Bureau on XX/XX/XXXX showing missed payment. After speaking with the loss mitigation department with Ameris Bank I was directed to send this email, requesting for a correction on my Account and our Credit Report. This payment arrangement was due to a Unexpected Natural Disaster, and should not have been reported negatively on our Account or our Credit Report. We are in the process of purchasing a vehicle due to a total loss accident, and the missed payments showing on my credit report is impacting my Credit Score tremendously. This was a payment arrangement, which I have for filled my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have boa credit card - XXXX XXXX XXXX XXXX - i consolidated credit from another credit card in XXXX by paying full as it has higher interest and credit limit was transferred to this credit card. My credit limit was XXXX - and i have been making minimum payments and using this credit card from past 1 year. This acct has been open since 15 years. BOA reduced my credit to XXXX as it is lower fixed interest rate credit card. Also they did not pay me the better rewards balance on all of my 4 credit cards that I have. I am supposed to get XXXX $ for all 4 of them after they forcibly transferred to another unlimited cash back rewards credit cards without my consent.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/XXXX, Trans Union reported that I had a hard inquiry from XXXX XXXX, a company based in XXXX, Kentucky. I did not apply for any loan or credit card from this company. This is fraudulent activity and I need this to be removed from my credit report.

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 2023-10-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-05-17
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a loan for a diamond ring from Jared Galleria for a little over {$9000.00} and was told I could return it within 30 days. I did return it within 30 days and they said everything was fine. Next thing you know it shows up on my credit report as a late payment. I never made one single payment, yet the history shows I paid for 1 year 3 months, then missed a month, then paid two months and then was 120 days past due 5 months later ( then charged off ). This is all entirely bogus, not a single payment was ever made and it was returned within 30 days as stated earlier. 

Following this they sold the debt to XXXX XXXX as a collection, which as I've been told still reports after 7 years... so this bogus situation is really hurting me. It will continue to affect me until something is done to remove not only the falsehood of the entire Jared Galleria listing in my credit report, but also the collection account from XXXX XXXX 

( By the way, the XXXX balance was around {$270.00}, which wouldn't even make since balance wise with the payments they claimed I made ) I have tried numerous times to dispute this with Jared Galleria, XXXX XXXX and all 3 credit bureaus. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I did NOT opt in to overdraft protection yet US Bank claims I did. They made payments and charged me {$36.00} every time. That is not the really bad part. They then went on to take the money back from the merchants and charge ANOTHER {$36.00} fee each time. Thats an overdraft fee for paying a merchant, and then another equal fee for taking the money back from said merchant!! Its up to thousands of dollars in overdraft fees now! How can they pay something and charge a fee for it, only to reimburse themselves with my money, and then charge me ANOTHER fee for reimbursing themselves??? Customer service was rude and unhelpful.

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 2022-05-17
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:
Experian and XXXX are reporting a collection account on me that is inaccurate. I have disputed with the m and they never responded to my dispute but however they did update the comments on my credit report that the account was disputed. There is no way they investigated this because if they had they would have deleted this. 
This account information that they are reporting is wrong and fraudulent. Please have them do the right thing and remove this. 

Disputed account listed below : XXXX XXXX ( Original Creditor : XXXX AT XXXX ) Account # : 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 2022-01-20
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with Mutual of Omaha with the first payment due XX/XX/XXXX. My escrow is in my mortgage. The end of XX/XX/XXXX I received a letter my escrow was short. Since I had been with them for only 6 month and the funds were still being collected into my escrow. I had to send them a check for {$1200.00} with is more than my insurance, {$1000.00} or more than one year of taxes $ XXXXPlus they increased by payment by {$20.00} for an additional {$240.00} I contacted them and explained based on the current escrow about and they remaining payments I was covered. I have not been with them a year and how can they determine is XXXX short. The taxes have been paid but insurance is due XX/XX/XXXX which basically I paid when I sent them the check. My current balance is {$970.00} with insurance due XX/XX/XXXX and taxes XX/XX/XXXX. So taxes and insurance total {$2500.00} and I sent them {$1200.00} and the increase of my payment is an additional {$240.00} totaling {$1400.00}. Just doesn't seem correct. I have owned other homes and have never had this issue. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Adjusters appeared recently on my credit reports. I did not have an account with XXXX as reported as opened in XXXX of XXXX. 
No validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 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 2018-10-31
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX  Account 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-09-10
Company: EQUIFAX, 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:
Creditor is reporting inaccurate and fraudulent information on my XXXX  credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX  of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX  promptly.

Company response to consumer: Closed with explanation