BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: SYNCHRONY FINANCIAL
State: IN
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:
Care Credit closed my credit card account due to my credit score/history. I did not authorize the company to pull my credit. Also, I have never been late making payments to this credit card. In fact, I often pay it off soon after a charge. A few months ago, I could not keep up with some of my payments due to having COVID and was off work for approximately one month. I am an XXXX  XXXX  and have been caring for patients in serious conditions due to COVID. Also, I, unfortunately, started a program back in XX/XX/2021 with XXXX XXXX in order to get control of my credit card and student loan debt. They pushed me to not make payments to a number of my accounts which has made my credit score drop significantly. I am now working over 60 hours a week to make all my payments and have not been late since I have quit the program with XXXX XXXX. I really don't see how a company can treat its customers this way, especially during a pandemic. It's a struggle for everyone, and they are making it worse. I have been a loyal customer to Care Credit and as I said earlier NEVER late making payments on my credit card.

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 2023-08-16
Company: EQUIFAX, INC.
State: NY
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: JPMORGAN CHASE & CO.
State: SC
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:
On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.Not letting me access my equity/interest which is an indication of violation of securities, breach of contract, and security fraud. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still account is not credit as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez LLC failed to release the lien on my home. NewRez LLC told me there was no lien to release in XX/XX/XXXX after I paid off my mortgage. However, NewRez LLC recorded a lien on my home in XX/XX/XXXX for the mortgage I paid off. I mailed a Notice of Error to NewRez LLC in XX/XX/XXXX asking NewRez LLC to release the lien, but NewRez LLC has not released the lien.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Citibank closed my account stating I filed a fraud claim and non payment of account! Both accusations are lies made by Citibank employees who been XXXX XXXX me and harassing me since XXXX, XXXX. 

I filed a lawsuit dispute in regards to merchandise I purchased that the order was not fulfilled by the merchant. The merchant took 3  months but finally placed all the credits on my Citibank credit card account. Citibank employees then opened a fraud claim for transactions that I never disputed. 

Citibank employees then closed my account saying it was due to non-payment of fraud claim! 

Citibank has cut all communication with me and still have my account closed for no valid reason! 

I am saying 100 % all the actions taken again me by Citibank is 100 % XXXX  motivated and the harassment  has caused me financial harm. 

Citibank jeopardized my life and family life by allowing the same group of employees to harass me and send Police to my home based on their XXXX  and ongoing discrimination and harassment. 

To date I have no answers from Citibank stating the reason they sent Police to my home! Why they opened up fraud claims that I never requested, why my account is filled with notes by the same XXXX employees who created this problem, and why my account is closed! 

I have done NOTHING to justify all the bad things CitiBank has done to 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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX contacting. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the XXXX and TransUnion Credit Bureaus and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: NY
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:
This is the last warning for Experian to remove this XXXX account and the others that are IN pending status in the process from my consumer report. I have attached correspondence between XXXX. of education and me, where I demanded them to cease and desist this account. XXXX is fully aware of the cease and desist, during the transparency between XXXX and I, I also cc 'd Experian letting them know that I demanded a cease and desist on all medium so XXXX corresponding through consumer report is also communication indirectly THATS A VIOLATION. I also demanded FROM Experian through multiple mediums that I wanted them to remove XXXX and the rest of the accounts that are in pending status from my consumer report. When I corresponded with Experian via telephone I made them fully aware of my rights as a federally protected CONSUMER, as pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes, that I never gave written permission/instructions to furnish anything on my consumer report. AS IT STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They argued with me using abusive PRACTICES stating that whatever the creditor furnishes to them they have to keep it there. I let EXPERIAN know THAT they are not honoring the FCRA. They are in violation. I just got another update XX/XX/2022 ON MY EXPERIAN REPORT after I DEMANDED them to remove THESE from MY report. I also have a right to privacy as a CONSUMER AS PURSUANT TO 15 USC 1681 ( A ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I DONT WANT ANYMORE STALL TACTICS REMOVE IMMEDIATELY. THERE IS NO NEED FOR EXPERIAN TO GET PERMISSION FROM A FURNISHER WHEN ACCORDING TO THE LAW IT STATES I HAVE ALL RIGHTS AS A CONSUMER TO HAVE THESE ACCOUNTS REMOVE WITH MY INSTRUCTIONS AND I WANT THEM TO BE REMOVED IMMEDIATELY.

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 2023-05-16
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I've recently had my card stolen and some unauthorized charges to my Chime debit card. After receiving a deposit in XXXX, i saw a XXXX  charge for {$370.00}. I turned the card off immediately and saw later they were declined charges for for things.i tried disputing the XXXX charge to no avail. I had to use the card in XXXX, and turned it on and forgot to turn it off. Later I saw unauthorized charges at XXXX. The XXXX and XXXX charges are in addition to other smaller unauthorized charges that went through. After disputing the smaller charges and getting resolution for those, I was able to dispute the XXXX charge ( {$370.00} ) and XXXX charges $ ( XXXX & {$200.00} ) on XX/XX/XXXX. The money deducted has greatly inconvenienced me. I had to explain this to manager at the apartment complex I live at. They have given me until tomorrow XXXX XXXX to pay rent or the eviction process will begin. I explained this to Chime and asked for at least provisional credit while they investigate, so I will not be evicted. Chime says I have to wait until XXXX, XXXX but I do not have that long. I've called various times with no help. Provisional credit can be provided within 10days which can be before 10 days. I asked Chime for provisional credit which can be provided before the maximum 10days and they said I'm eligible to receive it but still have to wait until XX/XX/XXXX. I'll be evicted by XX/XX/XXXX ( tomorrow ) I'm requesting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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:
Dear Sir, I have filed a police report for fraudulent remarks on my XXXX, XXXX, and TransUnion Credit Reports. I have also sent them two letters, demanding proof that these accounts are mine. I requested to see proof of my signature, that ties me too these negative remarks. These accounts are as follows ; XXXX : XXXX, XXXX XXXX and XXXX XXXX  accounts. XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion : XXXX XXXX, and XXXX XXXX. They continue to state that these accounts, have been verified. Yet, the have not supplied me with any supporting information containing my signature. I am asking for assistance with the CFPB, in resolving this matter. I thank you in advance! 
XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NY
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:
This lettely is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: MD
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:
We had phone service since XXXX and were never late with a payment. Around XX/XX/XXXX our service stopped working. We called XXXX and told them we didn't have service but instead of fixing service we want to cancel. The next month we received a bill for service we did not have. We called again and were unable to get the issue resolved. The following month another bill arrived for service we did not have. After several months we finally got the point across but XXXX insisted we pay for all the back months for service we reported as non-operational. We said no, explained why so the bill ( {$110.00} ) went to a collection agency. When the agency called we agreed to pay for 1 month sent a check and the matter was closed. Experian only had XXXX and XXXX on our credit report so it looks like we got servc ie and NEVER paid a single bill. We had phone service since XXXX, paid every bill ON TIME until the dispute. Experian only showed our XXXX account XXXX - XXXX when we had the dispute.

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 2023-08-02
Company: JPMORGAN CHASE & CO.
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:
JP Morgan Chase Bank has refused to provide all credit card statements for this account, which has inhibited my ability to dispute charges and late fees assessed on the account. On numerous occasions I submitted payments above the amount due and the bank refused to move the due date and the payment amount for making an advance payment. XXXX XXXX  would assess late fees even though I submitted large payments on multiple occasions in previous months, which made it very difficult to maintain a relationship with the financial institution. In addition, they would charge interest that was grossly unfair to a XXXX XXXX Veteran. JP Morgan Chase continues to report unsubstantiated ( incorrect ) amount to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
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:
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.

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 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 2021-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX refuses to remove this account from my credit bureau. This account first was a total loss and was paid but I just let it stand because I knew that it should be removed this year. It still is appearing on my credit as a negative and it has been over 7 years old. I have reached out to the CEO of XXXX XXXX in writing with a complaint and they still have yet removed it from my credit causing my score to be very low.

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 2020-03-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I will say approximately every other week for the past year that is the most straightforward answer I could give I have called XXXX XXXX signed up sign back out upgraded downgraded file class action wrote letters called received letters verified myself have gone to the XXXX had gone to social security my experience account is fake and so is my life lock that all I can say I know this is not a very professional DE briefing but I don't know what else to say I'm sitting outside of Social Security Administration in XXXX md and right now the office is closed.I had an appointment and I find myself here on this page now- I have also called the phone number listed on the door am I getting ported out to fraudulent individuals because other people next to me were calling? and only on my phone representatives were asking questions they should not be asking me such as where I was born after I already verified name date of birth and social- my Experian history of debt balance due drops to XXXX twice in the 6 months. There are over 60 credit inquires I do not recognize- and I had XXXX in 2017. Someone took over my identity without a doubt- I just need to reschedule this appointment ... please

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 2023-08-02
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I cosigned the lease with husband for Hyundai XX/XX/XXXX and they took car back XX/XX/XXXX, because we couldn't make payment. 
He filed bankruptcy, I didn't. 
My credit is bad and have problem to get a loan and a credit card. 
I called the Hyundai finance they asked me to pay {$5000.00}. 
If I have that much money on hand I wouldn't suffer like now. 

Please help 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