BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: IL
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:
Fraudulent credit card accounts were open in my name at XXXX XXXX XXXX XXXX in XXXX of XXXX. My wallet was stolen in XXXX of XXXX  since then I have been suffering from idenity theft. I Am not responsible for any XXXX XXXX XXXX XXXX debt, and I am demanding a proper investigation into the Fraudulent account and immediately deletion from my consumer profile as the account Is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
on XX/XX/2018 i made a minimum payment to my XXXX   XXXX XXXX credit card for my XXXX payment of XXXX. on XX/XX/XXXX i made another payment to the same account for XXXX payment of XXXX. on XX/XX/XXXX i went to make a payment and they stated i was passed due for XXXX. they took both previous payments that where made and applied them as one payment for XXXX even though they were made 24 days apart. They then stated i never made a XXXX payment and hit me with late fees and possibly reported this to my credit. i made multiple calls and the customer service department continued to hang up on me and put me to collections department. This department told me if i did not make a payment then i was not able to speak with customer service at all. i then made yet another payment to try to get some resolution with customer service who continued to disconnect the phone call.agents i spoke with XXXX # XXXX XXXX # XXXX and 3 more who just hung the phone up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NY
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:
XXXX : * Ive began to look to obtain a house XXXX in did a Cerdit review report in notice the there has been some fraudulent accounts in activity on my reports my company I use to work for. also a victim of a data breach within that year for the one off the account in questions this were i believe my information was stolen i. misuse due to the breach description with snap on XXXX

Company response to consumer: In progress
Consumer complaint received 2023-02-21
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, I opened a " Miles and More '' credit card with Barclays bank. They told me that if I spent {$3000.00} in the first 3 months, I would get XXXX XXXX miles with XXXX. That is the ONLY reason I opened the card. I was on target to meet the minimum required spend and spoke with them several times about this. I called them on XX/XX/XXXX because my records indicated I spent over {$3000.00} and I wanted to confirm this with Barclays. They told me that I did indeed meet the requirement and that I would see the XXXX XXXX XXXX in my account the next day. I was excited! Well over a month went by and I never saw anything. I called them again on XX/XX/XXXX and they told me that I did not meet the minimum {$3000.00} spend. I was so upset. They had no record of the call that I made to them on XX/XX/XXXX! They created case # XXXX for me and told me that someone would follow up. No one ever did. I called back on XXXX and they told me they had no record of this case number. I am furious. I feel like I was mislead from the start and lied to along the way. I can't believe Barclay 's has no records of my calls to them. I know that I met the minimum spend and I feel I deserve the XXXX XXXX. I don't even want this card anymore and they've charged me an annual fee..

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 2019-06-26
Company: SYNCHRONY FINANCIAL
State: MD
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 had an account with Synchrony Bank for an HVAC system. I was paying on time no problem. My mom was diagnosed with XXXX and moved in with me. I was paying her bills and mine. She died. I started fixing everything. Synchrony closed and sold my account to XXXX XXXX and XXXX XXXX XXXX worked with me to pay this debt off ( they were both kind and helpful ). They told me once it was paid off they would remove anything pertaining to this debt from all three credit bureaus under " Collection Accts '' & " Negative Accts ''. The account is still listed under " Negative Accounts ''. It says closed and balance XXXX  but it is still hurting my credit and I am desperately trying to obtain a loan for my daughters college tuition. I reached out to Synchrony Bank several times and been told that it is closed with a XXXX balance but they are keeping it on there for 7 years. I was told to dispute it - I did - nothing. I was told they don't own the loan anymore so they can not take it off. I don't know what to do. I am a hard working honest person who had a really bad situation. I work in XXXX XXXX and that is why my mom came to live with me so I could care for her until she passed. I had to cut back on shifts at work and fell behind. This wasn't a malicious event where I just didn't want to pay. I will attach all the documents.

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 2023-11-18
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit 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:
On XX/XX/2023 I got a credit card charge for XXXX XXXX XXXX XXXX XXXX in XXXX Ca for {$15.00}, on this day I was not in XXXX as I live in XXXX XXXX. 
On XX/XX/2023 there was another charge at a XXXX for {$130.00} On XX/XX/2023 there was a charge again at a XXXX for {$41.00} On XX/XX/2023 there was another charge at a XXXX XXXX for {$110.00} I contacted Golden One to inform them that these charges were not me and I wanted to file a credit card theft claim, they filed the claim and said they would open an investigation. 
As I was recently looking at my credit card statement I see the reversed the money they put into my account and took it back. 
I called and spoke to two customer service agents, the first one told me that I was basically out of luck because they claim my chip in my card was used and since the card was still in my possession that they do not believe it is fraud. This however again is impossible as I was not in XXXX on these dates I was in XXXX XXXX using my Debit card. 
Golden one rep said he would request for my case to be reopened, but due to it being a weekend I could not speak to someone in their fraud department.

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 2023-11-19
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am currently enrolled in school, so interest should not be accruing on my loans since they are all subsidized and I should not need to make any payments. However, my autopayments began on XX/XX/23. I contacted Aidvantage about this on XX/XX/23. Their automated reply promised a response within 2 business days. I am afraid to stop paying in case this affects my credit score. It is now XX/XX/23, and I have received no response from Aidvantage at all. My loans were previously managed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: TX
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 : 1. Account name : XXXX, Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX, Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX, Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX. XXXX, XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX  XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX IN Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX IN Account ID : XXXX XXXX. Account name : XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX IN Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX  Account ID : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Today, XX/XX/2023, I received a debit XXXX in the mail from Chime. It was not an account that I opened. I have contacted Chime twice over the last year when this has happened. This is the third account opened over the last year. I've reported this to Chime each time. This continues to happen. I have blocks set up with the FTC and all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: VA
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:
Dear Sir/Madam : I have attached an Equifax report where Equifax has 2 Hard Inquiries from XXXX XXXX XXXX  showing negatively on my credit history. I have been issued a Credit Card by XXXX XXXX XXXX by my Hard Inquiry [ Item no. 1 ] in XX/XX/XXXX, while other two records of XX/XX/XXXX & XX/XX/XXXX are  showing wrongfully and were Not done by me at all. 

XXXX XXXX XXXX has cleared those two information from their record upon making a phone call to them. Equifax resented to clear them off of my credit record despite my request and also calling several times. Equifax employees were been rude and didn't help to escalate this to proper authority to review this. This is an usual practice by Equifax. They have call centers offshored to other countries and always act arbitrarily without checking with proper protocol or decline even to help settle wrong information containing in credit history for remediation. 

1. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks 2.XXXX  XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks 3.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX At this point I observed Equifax is practicing extreme unfair and also retaining some records that are inaccurate and past the statutory of time record retention guidelines for credit reporting or for proper reflection of some one 's credit report. 

They are always holding wrong address, outdated and information that shouldn't have been in the credit record. Their dispute department do not cooperate to take requests as well. 

I have observed news in Social Media and News of their data breach and other wrongful practice on credit record retention policy from FCRA and other regulatory agencies. 

Please review and reply your course of action toward Equifax malpracticing of credit record publishing to inquiries. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. Please fix these, ASAP. Thank you. 
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 explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: NJ
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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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 XXXX  XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: TX
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 explanation
Consumer complaint received 2022-05-25
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 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 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given my attempt to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Late Dates 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 2016-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Friday XXXX XXXX, 2016 I suffered double discrimination at Chase Bank when my wife and I tried to open a joint checking account. I presented my driver 's license and an ATM from another bank for ID 's. My wife presented her driver 's license, but she did n't have an ATM. The bank officer requested a passport which my wife did n't have. We asked him if we could present other documents, but we did n't have those. I asked again and he was rude and insisted and insisted on paystubs, passport even an alien card? We are Americans ( XXXX ). My wife got really upset ( crying ). This person was talking to us like we were criminals. I 'm also a XXXX person. I asked for a supervisor who instead of apologizing for his worker 's actions he made things worst. Then, I suggested if we could present social security cards and both looked at me with surprise like I never had one. Then, the manager said we could be use the social security cards as IDs. I asked why the bank officer did not mention that at first place and avoid all that trouble? The manager 's answer was that his worker did n't have that in his mind in first place. I told the manager why does he give a job to a person with very poor customer services skills, arrogant and disrespectful. It 's like they did n't want me to open an account or do business there based on my appearance and my economy. I do n't make millions. Neither the bank worker or the manager apologized for that horrible experience. This an act of discrimination in plain view light in the 21st century. It seems this has happened before, otherwise, they would n't do it. Of course they will deny everything, but these actions of ignorance need to stop now.

Company response to consumer: Closed with explanation