BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: SYNCHRONY FINANCIAL
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:
Syncb / Car Care XXXX continuously report inaccurate information to the credit bureaus for a credit card that I am joint owner on. I have disputed this account with all three credit bureaus, and while two of the three bureaus deleted the account from my report, XXXX  continue to report this inaccurate  information. I disputed this account twice with XXXX, and they failed to do their due diligence to ensure the legitimacy of the information reported. They reported back that the information is accurate as report, but that is NOT true! 

According to XXXX  and Synchrony, 60 % of the payments were 30-59 days past due with the first past due payment being reported in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The card was charged in XX/XX/XXXX. The first bill was due in XX/XX/XXXX. Someone please explain to me how the account could be 30-59 days past due on the first bill? 

Below is a payment history the life of the card ( bank statements verification available upon request ) : XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$440.00} XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$200.00} As you can see, regular monthly payments have been made since this account was opened ; however, XXXX  shows the account was 30-59 days delinquent in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Likewise, as of today, XX/XX/XXXX, Transunion shows the account is currently 30 days past due. Needless to say, that is inaccurate! 

The joint owner on the card called Synchrony repeatedly for failure to apply payments to the account. When this first came to my attention the account was reporting to the credit bureaus as being over 90 days delinquent. After calling the company, it was discovered they were not applying the payments correctly, although the funds were being drafted from our bank account. 

Both XXXX  and Syncb/XXXX  are providing false information that is having a negative impact to my credit score. I have tried to resolve this with both Synchrony and XXXX  but have not gotten anywhere with either company. The joint owner on this account was successful with getting the account updated with XXXX ; however, they refuse to update mine. This is unacceptable!

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 2022-11-07
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 chime which is XXXX XXXX  suddenly closed my account without any prior notice soon after I deposited XXXX at a loves truck stop which I would use often to load my account. After funds were loaded I made an online purchase of XXXX and a few minutes later I received emails containing information that my account had been closed with not a single reason why. I went back and forth for days with both chime and XXXX and neither could give me any kind of reason as to why my account had been closed. Here I am XX/XX/2022 and still haven't received the balance that remained in the account, please help I feel I have been robbed to say the least.I have all the emails and documentation to prove my case thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a fraudulent Capital One credit card that still appears on my account. I repeatedly told Capital One that this credit card is not mine and fraudulent charges were made to it. Capital One did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with Capital One again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: MI
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 Report act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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.

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 conviction of crimes which antedates the report by more than 7 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 2021-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2021, I mailed certified letters out to XXXX, XXXX XXXX, XXXX, and Experian requesting them to remove Dept of EdXXXX XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from Experian but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2023-08-29
Company: Ocwen Financial Corporation
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Account # XXXX To whom it may concern at the CFPB office, I can prove the Predatory Lending Fraud, Mortgage Fraud, Foreclosure Fraud, and Evictiction Fraud. As well as the Fraud at the XXXX. District Court, The XXXX Police XXXX. and XXXX XXXX. 
Predatory Lending. A $ XXXX mortgage on a house that appraised at $ XXXX in XXXX. Even now the house appraised value is $ XXXX XXXX reply is also an admission to Mortgage Fraud. with the reference to the balance of {$2500.00}. XXXX then decided to add an amount on top of the balance enacting a HAMP program that has no approval from XXXX or XXXX XXXX. Especially in XXXX I also feel this XXXX 's admission to Foreclosure Fraud. XXXX had a copy of the death certificates. Sending back the {$2500.00} pay off check, letting me assume the mortgage. but foreclosing on my dead parents for $ XXXX on a $ XXXX house. 
And finally, I believe now I can also prove the Eviction Fraud, The fraud at the XXXX District court, the fraud at the XXXX Police and the fraud at XXXX XXXX. 
On XX/XX/XXXX I was mowing the lawn on my home and side lot that I inherited from my deceased father and stepmother. The estate went through probate, I was awarded the estate and registered it withThe Registrar of Deeds in XXXX. 



A few XXXX police officers showed up to my house around XXXX am as I was inside my side lot. they told me they had a call from the balliff that they had said I threatened the bailiff. I said what do you mean I am mowing the lawn. The police then wanted me to come out of my fenced side lot .I asked them if they have an arrest warrant? What is your probable cause? The police didnt answer. 



More police started to appear all around my home and side lot stating they wanted to talk to me about the threats I made to the bailiff. I told them I didnt know of any bailiff Im mowing the lawn. If you dont have an arrest warrant I dont have anything to say and get off my property, At this time more XXXX police officers started showing up outside my fenced yard. 

The on duty Sgt.? came with bolt cutters, He cut the lock off the gate to the side lot XXXX XXXX. I have pictures and videos of him. 

The Sgt and a few other uniformed police officers attacked me and put handcuffs on me and dragged me to the police car. 

The police then broke into my home of 10 years and had animal control take my dogs and impounded my car out of the driveway. 

I was then lodged into the XXXX XXXX XXXX for XXXX hours as I was at the XXXX XXXX XXXX the police supervised while all my possessions were loaded into 3 dumpsters and locked me out of my house. 

During the finger print process. The officer that rolls my finger across the scanner. Rolled it on a sharp edge of the reader. And caused a very serious XXXX. I went to the XXXX. 3 times and finally had to have XXXX to remove the XXXX from my thumb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for home insurance with XXXX and was denied based on information LexisNexis Risk Solutions XXXX XXXX provided them on a file they maintain on me. I have on XXXX occasions requested a copy of the file/information supplied to XXXX by LexisNexis, and all three times, they have denied my request. I have written them twice and completed their online application. As requested, I have provided them with my Texas driver 's license, social security information, full name, and date of birth. 

" LexisNexis response : Unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' The information I submitted to XXXX for the home insurance is what I provided LexisNexis. How can they respond to XXXX and give a report but can not provide me, the consumer, with a copy of that information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.

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 2022-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company violated my rights as per as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 18 U.S.C 1666B

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 2020-07-28
Company: EQUIFAX, INC.
State: NC
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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: TN
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  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 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 explanation
Consumer complaint received 2023-04-21
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: MA
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 you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Update my personal info and delete the accounts violating the FCRA

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 2022-11-01
Company: DISCOVER BANK
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Violations of 15 USC 1621. Discover has deceived the integrity of the banking system and credit reporting system. Discover stated a pause in any reporting but Discover failed to honor what was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: LA
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 is XXXX XXXX XXXX please 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 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 2023-04-21
Company: Experian Information Solutions Inc.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-05-13
Company: Experian Information Solutions 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 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 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 2023-04-21
Company: EQUIFAX, INC.
State: MO
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2020-04-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I went to a shop to get my car repaired. I used my chase debit card to pay for the {$200.00} repairs. The mechanic did not repair my car buy did more damage to my car. 

I wanted to get replacement brake pads and the mechanic messed up my power steering rack and pinion making my car very dangerous to drive as my steering wheel rack and pinion was un steerable. 

I called chase bank on XX/XX/XXXX and filled a dispute claim. Chase granted me provisional credit of {$200.00}.

After 90 days chase back sent me a email stating that I owe the them {$200.00}.

Chase claims that I did make the transaction, Yes I did make the transaction for my car to be repaired correctly and not for my car to be Sabotaged.

Chase is in the wrong for not protecting me as a customer.

I do not owe chase and will not pay chase my {$200.00} of which was stolen from me by way of a untrustworthy crooked mechanic who was out to destroy my car.

Chase needs to be under severe investigation for not following the guidelines of customer financial protection.

Chase was against me as a customer in regards to my {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, 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 did not give any kind of Consent to anyone to open these fraudulent Accounts I'm a victim of Identity Theft and now these Accounts are being sold to Creditor which is totally Wrong. This is not right!!!

Company response to consumer: Closed with explanation