BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: SYNCHRONY FINANCIAL
State: TX
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: Problem with personal statement of dispute

Complaint:
To Whom it may concern : Thank you for taking the time to read this letter. I'm writing because my credit reports contains late payments for my CareCredit/Synchrony credit card for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. 
I called CareCredit in XX/XX/XXXX to ask for assistance to reduce my monthly payments because of the coronavirus epidemic and my hours at work were reduce. I had an excellent payment history and account was current with no late payments. CareCredit enrolled me into the customer assistance plan in XX/XX/XXXX. The representative explained to me that if I accept the plan that my CareCredit credit card would automatically you be closed, and I would pay XXXX a month and 0 % interest until the account is paid in full. I agree to the term and the agreement was set up. 
I want you to know that I understand my financial obligations, and it weren't coronavirus epidemic, and my hours reduce at work, I would have been able to pay my account. 
I spoke with a CareCredit representative in XXXX and XX/XX/XXXX, and they did a dispute online for me and I received a response stating that the information that was reported is accurate.

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 2022-02-25
Company: SYNCHRONY FINANCIAL
State: PA
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:
Several inquiries were placed without my knowledge.

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 2022-11-20
Company: Home Loan Center, 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: Credit inquiries on your report that you don't recognize

Complaint:
there was a credit inquiry alert on XXXX XXXX from XXXX Lending Tree that i didnt recognize. I didnt know this company and this was not authorize i wonder how they get my information. I tried to search for the number on XXXX Lending Tree but i couldnt find any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2022-02-25
Company: Marlette Funding, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : XXXX XXXX XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX/MARLETTE XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid 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:
My card with Chase Bank has an official credit limit of {$500.00}, yet Chase has been letting me charge more than double over the credit limit for over a year. I seriously thought my credit had been increased already because for the past year my transactions have not been declined at the {$500.00} threshold, and are allowed to go up to well over {$1000.00}. Basically, they still get the benefit of their merchant fees for the hundreds of dollars in purchases I make ( and pay off in full ) every single month, yet tank my credit by reporting my limit as half the amount they are actually allow me to charge. 

Today, I called them to discuss reconsideration on my account for a limit increase and it was a lengthy phone call pretending to go over all these things, yet ended in them saying no. They claim all these excuses about why they can't increase it my limit, but those same reasons are not a concern when letting me charge up to more than double my limit? This seems like discriminatory banking geared towards minorities. They are actively destroying my credit with a reduced limit " on paper '' while it is clear the don't think I'm a risk or they wouldn't be allowing charges of more than twice the limit FOR THE PAST YEAR. If they really don't think I'm worth the {$1000.00} limit, then they are allowing charges banking on me going into default so they can charge exorbitant fees! That's predatory lending! 

So which is it, Chase? Do you intentionally target minorities to destroy their credit ( the new redlining ), or are you predators allowing charges beyond the risk point betting on customers to default so you can swoop in and collect your scavenger fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to call didnt open no account with them maybe could of been somebody who used my info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Day, Thank you for allowing me to file a complaint against this company regarding this matter. 

I have requested this company, FIRST POINT COLLECTION RESOURCES, INC. to immediately stop reporting this alleged medical debt. 

I have requested complete verification and validation along with a signed contract between FIRST POINT COLLECTION RESOURCES, INC, and myself that would authorize this company to gain access to my personal medical data, as they have not, this is a violation of my HIPPA protected data.

They have not provided me with this and are violating my rights and engaging in character assassination.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: LendingPoint Holdings LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To whom it may concern my name is XXXX XXXX.My complaint is about being denied for personal loan in the amont of $ XXXX.From a company called LendingPoint .Date of the loan application XX/XX/2018.I sent personal information such as copies of my drivers license,2 months of bank statements, verification of employment and income and a voided check.This company told me there was and error on appication for my income which is {$36000.00} a year they told me that I needed an income of {$400000.00} a year to be considered for a loan for {$4000.00} at 2 year payment term.This company was inquire to me through XXXX for credit repair and debt consolidation. My credit score has dropped 50 points since this application process.I feel that this may possibly credit discrimination against myself.Date denied XX/XX/2018 no copy credit or income disclousure.My lending contact name was XXXX XXXX for Lendingpoint. Phone # XXXXXXXX.Thankyou sincerally XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is showing discrepancies from what XXXX is providing me. These errors are misleading and affecting me. I depend on my credit and because of this false reporting I am getting denied by banks. This account needs to be deleted.

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 2023-07-12
Company: EQUIFAX, 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. The List of accounts 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, 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.

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 non-monetary relief
Consumer complaint received 2022-02-25
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In response to the economic recession of XXXX, CitiBank increased my balance of {$10000.00} to {$30000.00}. 

Since then I have tried to speak to someone at Citi via written letters and phone calls to discuss and have gotten no response. 

This increase was not of my making but a result of the tax payer bailout. Since then I have been trying to pay this balance down. Even though I didnt create this balance. I can not keep bailing out Citi. I tried calling Citi again today and was bounced around customer service and the Rep left me on the call not responding and wouldn't give his name. 

This wrong needs to be made a right and pay me back this stealing and end this balance or I will contact the Consumer Financial Protection Bureau on Monday. 

Citi needs to provide you with the statements as it goes back years.

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 2021-08-16
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been reaching out to XXXX  and XXXX  concerning to previous complaint about the inaccuracy being reported on my report. However, XXXX  and XXXX  have failed to provide me any feedback and updates with regards to my concerns. That means XXXX  and XXXX  has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see this inaccuracy I found on my report : XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXXBalance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XXXX I submitted an online request to redeem rewards {$210.00} to personal checking account. the online system stated " Congratulations! Your rewards have been redeemed to your account. '' No other information provided. No delay or timeframe stated. 

I checked again XXXX, but same result. {$210.00} not credited to account. 

This appears to be yet another exampe of well fargo systems not accurately disclosing facts and details of results ( I have submitted many internal reports to wells fargo of system problems, glitches, and misrepresentations ). 

I called rewards department and they immediately disclosed that online redeeming can take 5 to 7 days ( business days? ) I requested several details including a ) why system shows as processed on the rewards site and available ( very opposite of what rep told me ), b ) why delayed, why not automated, why not staffed properly? 

As usual I received no useful answers to any of my questions. I explained I was filing a complaint and they offered to transfer me to file a complain, but that transfer simply took me back to the same queue ( which happens most of the time ). 

I find wells fargo lack of attention to detail and having their online systems glitch and totally misrepresent what I am told on the phone, unacceptable. They need to seriously hire a competent group to go through the website and these types of complaints and investigate glitches and disclosures and correct. It is concerning a bank can get so much wrong on the their systems. 

Another example is online balance tranfser request for new credit card. I was misinformed via phone I could initiate balance transfer while new card was in transit ( in XXXX ). when system would not allow and they could not due via phone, I escalated. Supervisor informed me it is NOT possible until card received, and rep totally mis-informed me. In XXXX, i did to 1 balance transfer online, but several follow-up attempts to do another transfer failed over the next week. Phone support couldn't explain why system locked out online balance transfers even days after earlier transfer was processed. I filed wells fargo complaint via phone, and system finally unlocked days later, but follow-up on details could not be explained by Wells Fargo XXXX I have the impression Wells Fargo doesn't follow-up or track these system problems due to lack of information I could obtain on the types of problems with follow-ups days and weeks later.

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 2022-02-25
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I go to bank every week usually have to stand in line 45 minutes why is this happening when 5 clerks working in bank? But only one person at the counter waiting on people I asked why and they said this is their policy this US Bank in XXXX XXXX XXXX Ohio needs customer services training!

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 2023-08-28
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Last year, XX/XX/XXXX, my Citibank credit card was hacked. So I immediately called Citibank to report and investigate about it. They told me to pay the balance on the account first, then theyd look into the problem, told me to wait 3 months, and then would give me a call so I paid the payment. But after I waited 3 months, I didnt receive any call, so I called the Citibank again and another different representative picked up my call and told me to pay minimum payment first again and theyd investigate the fraudulent transactions. And also said that the credit card was changed but I didnt received any new card. And after 3 months I called the bank again but this time they said they have changed another new card for me and that theyd give me credits but I didnt get a new card and any credits. Again told me to wait 3 months. Between then I made calls about the case but I didnt get any certain answers from Citibank . XX/XX/XXXX, 2 weeks ago I called the bank again, told me to wait 14 days but it has been more than 2 weeks, didnt receive any response from the bank.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2023, I sent letters to the credit bureaus requesting that accounts on my credit file be investigated. USPS Tracking numbers for the letters are as followed : ( XXXX, XXXX, XXXX ). After waiting and finally receiving the results of the investigation I noticed that on an updated credit report these accounts were still showing inaccurate information. The credit bureaus stated they did complete investigations, but how is this possible when information on the same account is different amongst the three bureaus? 

XXXX XXXX # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Balance Owed, Closed Date, Account Rating, Last Payment, and Past Due Amount are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX XXXX  XXXX The credit bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instruction. 

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate of can not be verified, the consumer reporting agency shall promptly delete the information from the file of the consumer. 

Attached will be the certified mail receipts, proof of purchase, the letter, XXXX Credit Report, investigation results, XXXX 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 2023-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency, Portfolio Recovery Associates, has engaged in false and misleading practices violating FDCPA 807, and provided misleading forms violating FDCPA 812. 

Portfolio Recovery Associates are reporting 3 Accounts which have violated the FDCPA Account Number XXXX XXXX  XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX # XXXXXXXX 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 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 non-monetary relief