BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea about this debt. I almost paid the collector, however upon requesting paperwork from the original debt, the company stated that I wasnt able to access that paperwork until I see a judge, that it would be made available in the discovery packet. I have contacted the company they state I owed money to, and this company stated I have never had an account with them ( I used the social, account number, and name provided to me by the debt collector ). XXXX XXXX XXXX ( XXXX XXXX ) is the company. I requested all transaction and signed paperwork ( that they claim they have ) again today, and was denied until litigation begins. Theyve told me if I pay today, itll be {$1100.00}, but if I dont and request the papers, they wont settle and will request the fill {$6000.00}. I have never even heard of the company theyre stating I owe money to. 

I have requested that the company stop all collection efforts for a reasonable timeframe ( 30 days ) until the requested paperwork has been received and ample time permitted to review and validate the legitimacy of the debt. The company refused, and actually laughed at my request. They will NOT give me any proof of this debt ( other than a paper from the collection company ) unless I agree to go to litigation for the full amount and all associated court and legal costs.

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 2019-01-25
Company: JPMORGAN CHASE & CO.
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:
Chase Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter out XX/XX/XXXX to XXXX, Transunion, and XXXX. However its been more than XXXX  days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2020-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXX opened XX/XX/2017 Acc # XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 federal protected rights to privacy and confidentiality under USC1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 u.s.C section 604 A section 2 : states consumer reporting agency can not furnish a account without my written instructions. Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual funishers of information.The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Personal Information Address, Personal Information Also Known As, 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 accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2022-03-04
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I was inaccurately reported to XXXX Credit Bureau for a debt that is o {$510.00} from IC Systems Inc for an account with XXXX XXXX XXXX original creditor. The account being reported has a different last name than mine, yet when I disputed the account with XXXX they return results as verified and accurate. I have disputed the account three times with every result stating verified which is inaccurate XXXX has not provided me any information on how the accuracy of the account was verified despite my request.

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 2022-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
( XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) are reporting on my personal credit file with ( EquifaxXXXX ) credit reporting agency. This account, and addresses were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: STATE FARM BANK, FSB
State: MN
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:
State Farm Bank has reported to all three credit reporting agencies that I had exceeded my credit limit, overspent ( maxed out XXXX my card specifically on a {$2000.00} credit limit and that I had a high balance of {$2200.00} from XX/XX/XXXX to XXXX/2020. I called in XX/XX/XXXX2020 and an State Farm bank account executive confirmed the info was false. I was told regardless to file a dispute with the credit reporting agencies which I did. The decision came back from State Farm Bank XXXX stating the info was accurate and would remain on my record. 
The credit reports clearly in the boxes report every balance I had during that period, the highest I have ever been was {$1900.00}. I called State Farm and spoke to account executive again and she also reported I never had the high balance being reported and in fact had never maxed out my card and confirmed the highest balance I had during the specified period was {$1900.00}. I disputed it with all 3 credit reporting agencies. XXXX returned a decision to me stating State Farm would not change this discrepancy. I was then told by State Farm to file a formal report with them, sending them a letter outlining the specifics of my complaint and producing all statements from this time frame and they would look at my claim and return a verdict in 60 days ( after already waiting for 60 days with formal disputes with the three agencies would should have easily remedied this ). The evidence they need is directly on my report, their own staff report this is a false claim on my record. XXXX  tells me there is nothing they can do my dispute was sent in and State Farm has declined to intervene on a clearly inaccurate reporting of my history. Why is their a dispute process with the agencies if the company can disregard the complaint despite clear evidence and support to the contrary. I have been told that as long as this dispute is on my record I can not move forward with refinance of my home. I have now waited longer than 60 days and am being asked to go through a process again despite clear irrefutable evidence on my own credit report articulated month by month for every time frame within the reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Atlanticus Services Corporation
State: FL
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:
Hard inquires XXXX. XX/XX/XXXX- XXXX XXXX XXXX  - Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. 
XXXX. XX/XX/XXXX- XXXX XXXX XXXX  - Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. 
XXXX. XX/XX/XXXX XXXX XXXX XXXX  XXXX Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. 
XXXX XXXX, XXXX XXXX XXXX XXXX  - Im the victim of identity theft and I dont recognize this hard inquiry and I didn't authorize this hard inquiry. 
XXXX - XX/XX/XXXX - I DIDNT GIVE THIS COMPANY PERMISSON TO OBTAIN CREDIT RERPORT I HAVE NO KNOWLEDG OF THIS HARD INQUIRY. 
XXXX. XXXX XXXX - XXXX XXXX, XXXX Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this or have a credit card by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: NJ
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 called & mailed letters to XXXX XXXX Experian about XXXX accounts ( XXXX & XXXX ) that is being reported on my credit file that I have late payments on a charge off account. Both the " charge off '' and the " late payments '' reporting are inaccurate and have caused me extreme difficulties my everyday life. I have made several attempts to remind them of their duty of code 15 USC 1681a ( d ) which states as a consumer I am due, promised accuracy & fairness on my credit report based on federal law. per 15 USC 1666b late payments are illegal so are late payments. Per the IRS publication XXXX of debt are to be reported as income on on form 1099C. So why is income being reported on my credit report. a company can not report both income and a debt, I request them to remove these 2 accounts or update good standing as it is still reporting inaccurately. Plus all remove all old address my one and only address is XXXX XXXX XXXX, XXXX, NJ XXXX also to remove from my file any inquiry that is not attached to an open account.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many bankruptcies. My identity has been compromised and it is very upsetting to see the amount of accounts that were open under my name. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX/XXXX XXXX {$670.00} XXXX/XXXX XXXX {$510.00} XXXX/XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY XXXX DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2023-04-12
Company: College Ave Student Loan Servicing, LLC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am being billed for a loan that I was rejected because of no Social Security card. Months later I received a statement in the mail owing {$10000.00} under my name XXXX XXXX, XXXX XXXX, XXXX, MI XXXX from College Ave, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Dept # XXXX, XXXX, PA XXXX. Document ID # XXXX. I did not sign a contract for this loan or any loans. 

I called and e-mailed College Ave to send me a copy of the contract to see signature. Which they refused to send. I filed a police report to a policeman from XXXX XXXX at my home XXXX years ago and was told I may have to take College Ave to court. 

This student Loan I later found out was indeed paid to my XXXX XXXX XXXX without my permission or signature. I am XXXX years old and can not afford to pay on this fraudulent account, as a maker or co-maker. She has XXXX parents. Bill them. 

I am XXXX as well with XXXX XXXX XXXX  years and deep in debt. I want to see proof of my signature. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello dear CFPB I am writing to inform you that CHASE is in my opinion VERY Biased XXXX financial institution, the reason i am stating it because i am banking with CHASE many years and I have done nothing wrong but today i have received letter they are closing my personal and business checking accounts, most importantly they are not disclosing why just stating generically 'unexpected activity ' which is 100 % false accusation, Please be aware that CHASE company is discriminating minorities here in Southern California and Closes account for no reason. Please Ask chase to either halt closing my account or give me why you closing and damaging my financial record with cheq system. Please see attached letters i have receive from CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   {$18000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. Maybe even my dad since we have the same first and last name. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : 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 explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit card company charged me for a yearly subscription fee without my authorization or knowledge. Over time, they started reporting to the credit bureaus that the account was delinquent, increasing the past due days every 30 days. This situation has reduced my credit score by XXXX points, and it has been ongoing for over 6 months. 

Furthermore, I disputed the information with the credit bureaus, and the credit card company confirmed the erroneous information. Every time I call, the company assures me that it is corrected, but the information continues to be reported inaccurately, continuing to impact my 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 monetary relief
Consumer complaint received 2021-03-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied in XXXX, XXXX to Wells Fargo Home Mortgage to refinance on the existing mortgage on our residence. We are currently paying 4.875 % on the existing mortgage and would be refinancing to a lower rate of 3.00 %. As my husband is self-employed and we owe 2 rental properties in New Jersey, we have had to provide XXXX and XXXX income tax returns for both businesses, as well as our personal income tax returns. We have also had to provide paystubs, bank statements, and profit & loss statements as of XX/XX/XXXX for both businesses, as well as balance sheets as of XX/XX/XXXX. All of the above items were provided in XXXX, XXXX. As of yesterday, XX/XX/XXXX, I spoke with the loan processor who advised that there was only one item needed to move our mortgage application to conditional approval. We are more than qualified for this mortgage refinance. The mortgage refinance would lower our existing mortgage payment every month by approximately {$300.00} to {$400.00}. 

Today, when I logged onto Wells Fargo 's online Loan Tracker, I was asked to provided 14 additional documents. I e-mailed and called the loan processor and left a voicemail message. 

My husband and I feel that Wells Fargo is going to continue to ask us to provide additional information in the hopes that we will just give up with this mortgage refinance application.

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