BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: VA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-13
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Alaska visa credit card thru bank of America. I had this card since last Year. I made the 1st payment in full which was {$2300.00} and I thought I set up Auto pay to make the next payment but the Auto pay wasn't set up correctly. When I found out that my account was past due I right away called the bank and ask him to give a payoff the account. The customer service said because my account was past due they have blocked the card. I told her that was ok but I need the payoff. She kept me on hold for about a minute and came back and said if you want to payoff the account it's {$210.00} dollars. I made the payment right away. Yesterday I went to my bank of America account to check my balance and saw the credit card was past due. I called today to talk to customer service to see why my account was passed due. She said the customer service gave me the wrong payoff so I had to pay all the late fees, interest and additional {$150.00}. I told her I will not pay that because I was given a wrong payoff and also ruined my credit because they have reported on my credit. She refused to help me and took no accountability for what they have done and hang up the phone on me. I need help because the bank is not welling to work with me.

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: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Obtained a NetCredit loan through their website on XX/XX/21. The current balance is owed is XXXX. The payments are XXXX and they are paid every time I am paid on the XXXX and XXXX. The interest rate is 54 %. When you apply for the loan it doesnt tell you if you are approved or not. They just deposit the money in your account and expect you to pay the high interest rates. When you actually take a look at the contract the interest isnt disbursed the correct way. It will take me forever to pay off this loan. If I pay a XXXX $ payment only {$3.00} is going to the principle. Ive called them several times and attempted to have my payments lowered or interest rate lowered .They WILL NOT HELP AT ALL this is against the law. Please help me proceed further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In XXXX of XXXX due to my now ex-husbands failed business, we filed joint bankruptcy. Since bankruptcy as an individual is not an option when you are married, I had to file as well. 

In XXXX of XXXX, while in the middle of getting a divorce, I petitioned the court to be removed from the bankruptcy. I was granted a Voluntary Dismissal from the CASE in XXXX of XXXX, so that he could proceed on his own. While applying for a mortgage in XXXX, it was brought to my attention that a Bankruptcy Dismissal was reflected on my credit. HE asked to have the CASE dismissed in XXXX. The order from the judge usages the language of *his* case and *him* only. 

A dismissed party means that the I am not a part of the bankruptcy case and should not be affected by anything that happens in the case after I was dismissed from it. I called and spoke to the judges chambers, XX/XX/XXXX, and my understanding is correct. I was dismissed from the case, and therefore the case dismissal itself should not be affecting me. 

I have disputed this several times, reporting that there are multiple errors. It comes back verified as accurate every time. It in fact is not and has no less than XXXX errors.

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 2023-02-02
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 as I attempted to login to my mobile banking app I received a notice advising that the application had been locked due to suspicious activity. Prior to the application locking I had logged in a number of times as I expected a deposit from a new job that I recently started. I reached out to a customer service representative at the number provided by the app and was immediately advised that the account was being closed with the reasoning of there is not a reason the bank can close the account at any time. ON XXXX XXXX I reached back out to see if that information provided was accurate. I was now advised that my account only needs to be verified in branch with 2 forms of ID to be unlocked. Later in the evening on XX/XX/2023 I reached back out to customer service as my account balance had changed which reflected the deposit but as I attempted to use my debit card it advised that it was locked. I also received an email stating that the account was restricted and may close soon. The email prompts me to login to the application to review the letter as I have paper-less notifications setup. I brought this to the attention of the rep to see if I could get a clear answer of what the notice is advising, if I do need to verify the account and how I could obtain the funds on the account. I was advised that no information could be provided and that I would have to refer to the letter. I am very disappointed and feel that the bank has acted both without reason or concern for the customer. Im in cycle of not knowing what to do and not getting any answers. I really can not think of any reasoning that the account would be closing and why Im not allowed to know what is taking place on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: MI
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 have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the BBB and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX  acct # XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXXXXXX acct # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 crime 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 consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. Information, other than records of convictions of crimes which anledates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate please delete

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 2021-05-14
Company: EQUIFAX, INC.
State: MI
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 have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the BBB and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: LA
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Inquired XXXX XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023

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 2023-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am writing this letter in reference to XXXX & XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
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:
On XX/XX/2021, I sent correspondence highlighting the below misleading and inaccurate information. As of today over 60 days later and still no response. After finding out that my information was impacted by the Equifax data breach I feel more than ever my information was compromised. I also learned according to FDCPA Section 807 it is illegal to report inaccurate information. I look forward to an expedited deletion of these erroneous items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: FORD MOTOR CREDIT CO.
State: MN
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was incarcerated at the time of 7 credit cards opened up in my name n my car insurance fax ford credit two days after my car was smashed ( stolen ) n told them they were paying off the loan which they did n the white bear XXXX have fauld. Papers n keep my extensions warranty n said it was bad credit I lost {$17000.00} n the credit.cards on top of that n the {$2500.00} warranty n my father just passed away if cancer n u guys have my birthdate wrong n some of the XXXX spelling. What else do u guys want I please help me with this cause I dont. Have nothing beside a nice union job but XXXXm afffraid Ill loss it if they do credit check n then I have nothiimg to lisss thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At the present time I have several credit card accounts with Synchrony Bank. I have NEVER been late on any payment. 
I am however close to my limit on all cards, however I am attempting to reduce my outstanding balances while restricting my usage as much as possible. In the last few months they have closed my Chevron-Texaco card which had a XXXX balance and no usage in over a year, my XXXX XXXX XXXX credit card which had again no balance and no activity in over a year. They have reduced my credit line on my XXXX Visa Card, My Synchrony Home Card, and my Synchrony MasterCard. 
The end result is that my total available credit has been drastically reduced. That occurrence has increased my usage of available credit which in turn has caused my credit score to plummet. This has caused me extreme mental stress as I am waiting for the " other shoe to drop ''. They claim that 'serious delinquency, and 'high credit usage ' are two determining factors. I am not the only person to which this is happening. If one XXXX " Synchrony Bank Complaints '' several websites can be found with complaints similar to mine. If they continue this practice, my credit score will only decrease further and the damage will never be repairable. I did have an issue with XXXX XXXX which has been resolved and am currently working on a problem with XXXX XXXX XXXX. I am also seeking legal counsel simply because I do not know what will happen next.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have received a copy of my credit report, and Im disputing the following information that appears on my Trans Union report. 
XXXX XXXX XXXX has fraudulently reported on my Trans Union record. I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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