BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit limit dropped from over XXXX to XXXX. I don't know why the limit dropped. It has dropped out of nowhere. I couldn't even make a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was looking at my consumer report before I apply for a new house and noticed inaccurate and fraudulent account on my consumer report. This is ruining my life, I am unable to apply for certain things due to the inaccurate information on my account. My identity was stolen, and it is pretty scary knowing that someone has misused my information without my knowledge or authorization. This is making my life 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 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a payment on my account but the payment was returned two days later and I was not aware of that. Nobody ever called me or told me. I didn't know about it until I logged in my account. I then submitted another payment of {$5500.00} to get it current but the late payments were never removed. I noticed that under the CARES Act I am not to be reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have attempted to make payments multiple times to Synchrony without success. Furthermore, I have been unable to contact a live person when calling multiple times, and each time I call I am disconnected after a long wait period. Additionally, I am unable to make an online payment until after my due date, at which point I am charged a late fee. This appears to be a persistent issue with Synchrony, as evidenced by the numerous complaints from customers online.

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 2019-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
. Bank of America closed my credit card account claiming that the adverse action taken is due to " bank policy '' However this is insufficient, as the CFR 1002.9 ( b ) ( 2 ) reads " Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. '' So, based on these Federal Regulations, BofA has failed to provide sufficient reasons for the adverse action taken on my account. ; and is therefore in violation of CFR 1002.9 ( b ) ( 2 ). My bank statements have absolutely nothing to do with this matter and do nothing to prove the false claims made by BofA that they have the right to violate any part of the ECOA. Don't point to my bank statements ... point to the law which is being violated, and show me where in the regulations are you entitled to deprive me of this specific information. I do not care what the bank 's contract says because it is negligible next to the law, and does absolutely nothing to support Bank of America 's faulty actions anyway. If a contract is in violation of the law then it is illegal. and if a contract is written in a way that enables the bank to violate the law, then the contract is, at the very least, unconscionable. The EOCA was established to protect consumers from various forms of discrimination. As such, banks are required to provide reasons for adverse actions. Without the specific reason why an adverse action is taken, then there is no way of knowing whether or not the bank guilty of discriminatory banking practices. If the CFPB does not take action against Bank of America for this blatant violation ; then the only implication that remains is extremely unfortunate. It is my hope and a reasonable expectation that the CFPB will demonstrate its integrity, upstanding principles, and ethical practices, as well as it's freedom from esoteric contracts and biases that are counterproductive to their mission of consumer protection.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. [ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 


Sincerely, [ 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 2023-08-04
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-04-04
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never came into a valid contract with southwest credit systems. 
At this time they are violating my consumer rights by not sending me a letter to find out how to dispute this matter. 
They are also violating my consumer rights by reporting that I owe a debt to them without first validating the debt amount of {$160.00}. 
I have sent out a debt validation letter to Southwest Credit Systems. 
XXXX XXXX the CEO of the company on XX/XX/2021. 

Southwest Credit Systems, in accord with the Fair Debt Collection Practices Act [ 15 USC 1692 et seq. ], provides verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury ; or provide a copy of a judgment, sworn by wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against claimant. 

Notice is hereby given to Southwest Credit Systems to CEASE AND DESIST from any further collection activities prior to validation of purported debt in regards to Alleged Account : XXXX, pursuant, but not limited, to the truth in lending laws of the United States Code, Title 15, Sec. 1601 et. seq., the Fair Debt Collections Practices Act laws of the United States Code, Sec. 1692 et. seq. and the conditions stipulated in this presentment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally notify TransUnion regarding the presence of inaccurate and unverified information on the consumer report of XXXX XXXX XXXX, identified by Report Number : XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to her financial standing and personal reputation.

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 2021-04-04
Company: I.C. System, 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: Was not notified of investigation status or results

Complaint:
I sent a dispute to the credit bureaus about a collection ( I.C. SYSTEM, INC ) and have not received a response back or any results

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 2021-04-04
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Due to it being over 60 days those items should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you are causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Chase Bank has violated 15 USC 1681 s-2 ( e ) 8 Responsibilities of Furnishers to consumer reporting agencies ( duty of person after receiving a dispute ) Chase has frivously closed the dispute as a " duplicate '' through the cfpb portal which is false. The previous dispute or complaint was in regards to inaccurate reporting. This complaint is relating to my privacy rights. 
After checking my credit report I found an account listed from JPMCB Card Services where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had a cryptocurrency account on binance.us for a little over 2 months, from XX/XX/20 ( XX/XX/2020 ). Then some time in XXXX, I was suddenly locked out of my binance.us account and never allowed to get back into my account. I exchanged countless emails with someone named XXXX, XXXX, XXXX, and XXXX, sending them many emails with personal information ( verifications ) attached. I provided pictures of my drivers license, passport, proof of address, my face, and a piece of paper requesting them to unlock my account, but customer support ALWAYS disappears after their first response which provides a ticket number and says they will get back to me shortly. It seems, according to XXXX, that they are stealing crypto and locking MANY accounts ( not just mine ). Someone needs to do something about these thieves so people can recover their cryptocurrencyXXXX Thanks XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
Capital One solicited me to apply for a credit card. They offered an inducement that I would receive 3 % cash back for entertainment purchases. The advertisement specifically cited " theater tickets '' as the kind of purchase that would receive the reward. I liked that offer, so I applied. I used the card at least four times to purchase theater tickets. However, I did not receive the promised reward. On XXXX spoke to XXXX ( And later XXXX, a supervisor ). She did not dispute the advertisement specified theater tickets, and she did not dispute that my purchases were for theater tickets. However, she insisted Capital One would not honor the promise. She described data processing problems that somehow caused Capital One 's system to categorize my purchases in some other way. I can accept that errors can occur in data processing, but I asked her to correct the errors. She asserted that there was nothing she could do, but that is not credible. Capital One can correct a mistake when the mistake is brought to their attention. Also, if Capital One has data processing problems so bad that four transactions in a row are mishandled, and they are unwilling to correct such mistakes when they are discovered, then it is irresponsible for them to advertise that they can identify theater ticket purchases and grant rewards. It appears to me that the truth is that Capital One advertised this offer knowing that they could not, or would not, honor it. It was just a cheap way to mislead me into applying for a credit card that was otherwise worthless to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Opportunity Financial, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have taken multiple XXXX and paid them without any issue in the past. I always pay a large amount and make payments less than what the schedule states without any issue. They gave recalculated them in the past. Until now. I was financed on or about XX/XX/XXXX of this year. I made a payments if XXXX. And payments if XXXX there after. I received the first notice that my account was past due {$0.00} with it being 11 days past due. I called they had no solution. I received another email i called the rep said oh my supervisor said its bc you have not made you full payment amount. I proceeded to tell her it doesnt makes sense the account i is paid ahead XXXX i always go paying the full amount when the XXXX clearly says {$0.00} is due makes no sense. I asked the account he looked at and recalculated just as they did before. No help was given. They wasted my time with the call bc i still got notices, i emailed them frustrated because they still didnt understand. They repeated to me the same story i made it clear this better no have any effect on my credit due to its not late. The account wasnt suppose yo he laid off until XXXX of XXXX. It is now paid off however i awoken to my credit reports showing a late payment for this company when in fact there was no amount late on the account at all. I have attacked all notices, pay schedules, payments, and emails to this complaint

Company response to consumer: Closed with explanation