BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( XXXX ) and a serious breach of my privacy rights.

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 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CAPITAL ONE is reporting inaccurate information to all three credit bureaus XXXX, XXXX and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received an email alert from the credit bureaus reflecting that my credit score had dramatically decreased due to an account status change on my XXXX credit card. 
to my astonishment my credit report was suddenly reflecting 30 day late payment history for 5 months in a row. I sent XXXX a certified letter on XX/XX/XXXX to request that they investigate the situation. I was told that my payments were considered late when I was enrolled in a workout program the year prior. I was offered to enroll in this program to reduce the monthly minimum payments for of 5 months to stay on track I was diligent in adhering to my agreement and always paid all my payments on time since my credit card was opened back in XXXX. .I was never informed or provided with any type of notice or disclosure concerning this matter. this is simply unfair business practices. I have requested that XXXX remove the late payment history as a courtesy and they declined. 
there needs to be accountability with creditors. consumers are being damaged by their actions. I affirm I was never late on my payments so my account history should be adjusted to reflect on time payments.

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: FIFTH THIRD FINANCIAL CORPORATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
They will not release my tax refund I been waiting days on them to release my money its always something this bank card I hate it and will never refer no one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: GA
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 filing a complaint against The credit bureaus as well as the creditor for inaccurate and unjust reporting. This 3 years has been this company XXXX COMMUNITIES WITH THE COMPLEX NAME XXXX XXXX REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND REPORTING DIFFERENTLY TO THE COURTS. I REACHED OUT TO HAVE THIS DEBT REMOVED BECAUSE THE CREDITOR CANT PROVIDE DOCUMENTATION OF THIS DEBT SO IT SHOULD BE REMOVED. I reached out to the creditor to find put how it was investigated and what was provided to show accuracy and they couldnt provide any information nor would they remove it so Im complaining on both companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: GA
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'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, GA  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX GA  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA  XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX   ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX/XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I called Chase multiple times regarding a charge on my account from a merchant that I should have been protected from - that's a separate complaint. During two separate phone calls, I communicated clearly that I wanted to close my Chase Sapphire card as a result of their inability to fix the situation mentioned above. They did not close the account and charged me the annual membership fee of {$550.00} on XX/XX/XXXX ( of which they deducted {$100.00} ). I did not notice this charge because I set up automatic payments for the card and have not used it since my conversation about closing the account on XX/XX/XXXX and XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I wanted to use my IRS stimulus check to pay off a portion of my card, but was not able to log in to the online portal to do so. I didn't have my credit card number ( because I had understood that the account was closed ) and thus couldn't reset my password. I was told during this call that my account was not closed, and that I had been charged the membership fee this year, and that I could not get that fee refunded even though their failure to close my account was not on me. 

I was told that the call was being recorded for quality assurance purposes, and at this point I said I was also recording the call. When I said this, the supervisor on the phone said I did not have permission to do so and I told him that I would then delete the recording ( and did ). However, all calls I have made to Chase have been recorded for quality assurance purposes ( although based on previous issues with the card, they seem to be unable to locate those recordings quite often ), so I believe that it should be possible to obtain recordings of these phone calls on XX/XX/XXXX and XX/XX/XXXX in which I clearly stated that I wanted to close my account and cancel my card. You can verify that I have not attempted to use the card for any purchases since prior to XX/XX/XXXX, which I hope will corroborate my story in case Chase is unable to locate the records of these phone calls. 

As of today ( XXXX ), Chase confirmed XXXX finally ) that all accounts I have with them are closed, but as stated, they refused to refund me the membership fee. Attached is a document from XX/XX/XXXX proving that we spoke on that day ( thus recordings should be available ), my XX/XX/XXXX statement with the aforementioned {$550.00} fee ( readjusted to {$450.00} ), and a summary of account activity since XX/XX/XXXX. 

I am reaching out to the CFPB in the hopes of getting that membership fee refunded. I feel very completely taken advantage of by Chase Sapphire ( and not for the first time ). I have strong credit, make my payments on time every month, and have generally been a good customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opted out of marketing messages. Synchrony is sending me multiple marketing messages and disguising them as account information. the information contained is clearly marketing for their product. I emailed and called them to ask them to stop the marketing messages and they did not respond. This is an attempt to get around consumer laws. 

Email XXXX XXXX  : XXXX XXXX For your account ending in : XXXX Dear XXXX XXXX : We wanted to let you know about everyday financing options available on your Amazon.com Store Card or XXXX XXXX XXXX Card account. As a cardholder, you are eligible for one of the following deferred interest financing options when you make a qualifying purchase with your store card : No Interest if Paid in Full Within 6, 12 or 24 Months. 

For the financing offers described above, if the balance ( which includes the financing offer purchase amount and related optional debt cancellation charges ) is not paid in full within the offer period, interest will be imposed from the date of purchase at the variable APR that applies to new purchases made on your account when the financing offer purchase is made, which as of XX/XX/2021, is the variable APR of 25.99 %.

Minimum monthly payments are required. Regular account terms apply to non-financing offer purchases and to financing offer purchases after offer period ends. Offers are subject to credit approval. This is only a summary of key terms. Please see any financing offer advertising or other disclosures provided to you for the full terms of any financing options offered and keep this notice for your records. 

To learn more about everyday financing offer benefits with the Amazon.com Store Card, including special financing and Equal Pay financing, please visit www.amazon.com/financing.

We look forward to continuing to service your Amazon.com Store Card or XXXX XXXX XXXX Card account. 

Thank you for your business. 

Synchrony 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 non-monetary relief
Consumer complaint received 2021-03-17
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:
I have tried to fix the names and addresses on my credit. XXXX  and XXXX  and Experian won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my 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 explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried to fix the names and addresses on my credit. Transunion and XXXX and XXXX won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my 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 explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, Equifax MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: FIRST MORTGAGE COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage is with 1st mortgage company in XXXX. XXXX XXXX is being sued now for fraud. He is or was the owner. Hes stolen our escrow and now hes used our money for county taxes else where. Im also finding out hes marked our account unpaid yet hes provided us with countless letter signed by him saying we are current. These items are on my credit report saying Im late on payments. After reading all the lawsuit articles I dont know what to do. Im scared for my home and what this may cost me. I made my payments and did my part but now that hes committed fraud to so many people Im scared something will happen to our home.

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 2021-03-18
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXXXXXX 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, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: IL
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 U.S.C XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 7years. 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 know or has reasonable cause to believe that the information 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 2021-03-18
Company: I.C. System, Inc.
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation 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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2021-03-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 a tree fell through my house a total loss. I have since decided to leave the house pay off the mortgage and donate the lot. On XX/XX/XXXX the insurance company mailed me the check for XXXX. I sent it and due to weather it did not make it to Carrington Mortgage in Texas until later XXXX. On the XXXX site it states the check made it on XX/XX/2021. On the Carrington mortgage website it states payment received of XXXX on XXXX XXXX. My payoff amount is XXXX. My file owner is XXXX who told me to expect my disbursement in 15 business days which puts them as currently late. They continue to call me asking me for payment on my late mortgage, and have reported me as late on all three credit reporting agencies. it shows on the website at Carrington mortgage as funds received but as XXXX credited for principal, interest, escrow or late fees. Every day I check and it never change it. I called my file owner yesterday she has not called back. I don't want to have to pay my mortgage I just want to close out this chapter of my life and move on. It is Carrington Mortgage and my loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: AVANTE
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation