BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: VA
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:
information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX XXXX XXXX XXXX  XXXX  XXXX  ( missed this on the ftc please add it ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
After the complaint against Barclay for them messing up my account, they lowered the limit on my card as retaliation. NO other card has done this. I was also supposed to receive a letter stating that my credit and so forth would not be impacted by this mess they created. None of that happened and even after an email, the office of the president didn't respond.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Well i file several complaints on XXXX credit bureaus and they blocked my account where i can only log in and cant dispute or look at my credit report I HAVE MAJOR HEALTH ISSUES INCLUDING XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX AND XXXX ISSUES THIS WHAT I DONT NEED THEM STRESSING ME OUT ABOUT MY CREDIT THAT I DIDNT MAKE I SENT THEM CERFT MAIL WITH A RETURN SIGNATURES AND THEY RETURN ONE WITH OUT A SIGNATURE THEY ARE FAILING TO FIX WHAT I DISPUTE WHAT SO HARD ABOUT TELL THESE COMPANY WHERE IS MY SIGNATURE WHERE I SIGN MY NAME AND GAVE THEM APPROVE TO OPEN THESE ACCOUNT THE CEO OF XXXX  NEED TO BE SUITED AND I WILL FILE A LAW SUIT

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: SYNCHRONY FINANCIAL
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:
To whom it may concern, I have been a victim of discrimination. I do not like to use the race card when dealing with personal or professional matters, but I had to discover for myself if this was the case. I wanted to prove that this was due to race so my co-worker and I conduct our own investigation. I have four credit cards from Synchrony Bank. Three are department store cards and one is a care credit card. Now before this investigation, I was late on my credit card bill no later than 7 days. I called the credit card company to inform them that I was sick with covid and the bill totally slipped my mind. I made a payment and I notice they had decreased my credit right away. I spoke with a credit representative at Synchrony bank and they said their policy is to run consumers ' credit whenever they are late on a payment. This is incorrect. I never received any statements in the mail as to why my credit was decreased or why they were running my credit each time I was late. I never experience this type of behavior with any other credit card company. I know that Synchrony Bank can not report late payments unless they are 30 days or later, but they are using other methods to destroy people of XXXX American race credit. I was never late more than a week. The company then said I was decreased because I had a collection on my report that was there when I applied for the card and was approved. As I mentioned I have four credit cards with Synchrony Bank and one card had a XXXX credit limit I was late they took decreased it to XXXX. My other credit card was XXXX decreased to XXXX. The last card was XXXX dollars. I tried to get a credit increase over the phone but was denied. I went into the store with the same credit card to buy a stove and XXXX  and was approved for increased credit for my purchase. My co-worker who is XXXX decided to conduct this investigation, so we proceeded. She was late on her credit card bill for 5 days and received no decrease in credit usage. I did the same and received a decrease. The world is a cruel place. I believe in equal opportunity. I will be contacting the State Attorney General and the Department of Banking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
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: 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, 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 an 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 2023-01-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase is mishandling two disputes of {$100.00} from XX/XX/2022 for a Provider [ Dentist XXXX XXXX ] that has a history of documented consumer complaints. These charges need to be removed from my Chase Freedom XXXX XXXX XXXX XXXX. There could be possibly be a conflict of interest. I submitted documents to support my dispute but Chase simply held the dispute for some time and disregarded the evidence. The disputes were made because I paid in advance for XXXX but eventually cancelled because after doing more investigation it was determined that he damaged other client 's teeth including my mother 's. The first deposit was placed on the Chase card but the rest was paid with a different card. XXXX has a policy which allows for refunds for services not rendered. In addition I am submitting evidence from XXXX showing that XXXX offered the Provider a refund as long as he issued me a refund. The Provider took advantage of XXXX 's lack of authority as they stated to enforce a refund. I also provided to Chase on prior occasions emails where I asked the Provider for a refund and I informed him of the horrible work he did on my mother 's case but he ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
They tell me my most highest loan amounts were over XXXX when infact i only borrowed or refinanced a small amount, not XXXX.i would like to see the check that was issued to me. i had been with XXXX XXXX and added money to an existing loan, however the break downs are not on the contract that Statebridge XXXX XXXX sent me. Never did they tell me this was a 15 years to pay this off. Well in XXXX i started paying up until XXXX maybe of XXXX. I have been paying XXXX a month for 15 years and still owe the same amounts. I have paid over XXXX for this loan and still have a balance of over XXXX. They have not been trulful to me nor does the numbers add up. I am seeking help on this, infact i have ask them to settle with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i also lost my job and my husband during the last 2 years I am at the mercy of anyone who will just hear me out or show me how this all played out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
For the past couple of years, I had Experian credit monitoring service at {$24.00} per month. I decided I no longer wanted the service. On XX/XX/19, I called and cancelled. I was assured I would no longer be charged. I continued to be charged in XXXX, XXXX and XXXX. In late XXXX, I disputed the XXXX and XXXX charges with my credit card, who refunded those amounts. I also called Experian to again in XXXX to confirm my previous cancellation. I spent about an hour, talking to 4 different people, who at times either told me my account was in fact cancelled, or tried to tell me that I had a " different '' Experian account. Each person I talked to, however, could not provide me with a valid, current account number or a person to actually speak with to confirm whatever account I still allegedly have open.

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 2023-10-24
Company: EQUIFAX, INC.
State: ID
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX  XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
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: Account status incorrect

Complaint:
this is my second time filling a complaint with XXXX XXXX XXXX this all stared with my mortgage payment decreasing during covid. I called and asked about the issues and was reassured that there was no issues. at the end of XXXX my mortgage payment balloons to over XXXX from the previous XXXX the issue ends up coming up to being a tax issue I guess the forgot to apply all the taxes and just threw it on top of my current payments. cool no problem I end up paying over XXXX USD to fix the tax mistake they told me it was paid in full and my payments should go back down to XXXX. not only was it a lie I'm still paying XXXX monthly with no real resolution I feel like they are just doing predatory things like marking my credit as 60 plus days delinquent for non payment. I asked for my credit report to fixed but they still left my credit in shambles. for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX still show a negative note or past due 90 days despite all the payments being paid in full. I'm asking for help because I this point I don't know how to make them fix the issue. this has caused my credit score to over 74 points just want my credit to reflect the real loan terms not over inflated 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 2023-01-31
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: Account status incorrect

Complaint:
I have contacted cfpb before on this matter with chime bank and they agreed to write it off and closed account but now I see that they have placed it back on my credit reports and not let them know that you can not report write off and in credit reports cause its considered income and according to regulations can not be reported. So why is it they resolved the issue by writing it off then go back to change it to still reporting is crazy and I want it completely removed from all credit reporting agencies

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was notified by Bank of America that there were fraudulent charges on my account. I notified them that nine charges were not mine. They are now dragging their feet and will not discharge {$1400.00} charges that I did not authorize. I met with a banker on XX/XX/XXXX  and I will meed again with the banker today XX/XX/. Their accounting seems suspect because some fraudulent charges were removed and then added back to the charges. They will not clear my 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 monetary relief
Consumer complaint received 2022-10-21
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I took out a loan during some financial difficulties back in 2016. At the time I didnt know about interest rates or the length of loan terms. I had been paying this loan for over four years and hadnt even scratched the interest. I know now that it was predatory the amount of interest I was paying on the loan. It got way too expensive so I stopped paying. Since then I received phone calls and voice mails about threatening to put it on my credit despite FCRA guidelines that protect military service members. They have since added it to my credit and it has drastically affected it. A third party is now trying to collect on it and continue to report it on my credit, which has vastly affected my credit in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: SC
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:
I recently reviewed an online updated consumer credit profile from Experian and as I was examining my consumer credit profile I notice that Experian are still reporting XXXX XXXX  corpora which is an improper name and they're six different accounts reporting all having different accounts and balances but there was only one so called loan given, that's reporting false and misleading information which is a violation of 12 CFR 1006.18 and also 15 USC 1692e ( 2 ) ( A ) all these accounts are more than 7 years old so they shouldn't even be reporting on my consumer credit profile at all and to stop reporting my personal private information without prior written consent which is a violation of 15 USC 6801, 15 USC 6802, and also 15 USC 6803

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 2023-07-03
Company: Experian Information Solutions Inc.
State: MI
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-21
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed account which i believe was reporting in error. 
XXXX  XXXX : {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NE
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:
I disputed an account which displayed its account status incorrectly, and against my wishes or knowledge Experian inserted this as " Your Statement '' **CONSUMER STATEMENT** XXXX ACCOUNT CLOSED BY CONSUMERS REQUEST. 

According to a document hosted on Experian 's own website, this payment status code indicates " Current account/Was 60 days past due date XXXX or more times '' Anyone wondering, including creditors, can easily find the same document on XXXX. 

This account was never paid late. The creditor, XXXX XXXX XXXX XXXX, to my knowledge never reported the account as late. Prior to my disputing the account on a related matter, Experian never showed the account as late during any of the reported periods. 

This account, which I am still trying to speak with a supervisor about, is currently reported wrong on the status as well for which there is a separate complaint.

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 2021-11-16
Company: Social Finance, Inc.
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:
Sofi Lending Corp and XXXX has reported defamatory information about me to XXXX on XX/XX/. I am challenging the incorrect information with the Sofi and XXXX inquiries on my credit report. Where Sofi clearly violated the law. Sofi and XXXX put on my credit report an inquiries that is not mine. The inquiry is false and the date false. Verification of claim against me ( a sworn affidavit ) Im challenging this inquiry with Sofi and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this inquiry such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove inquiry from XXXX credit report immediately.

Company response to consumer: Closed with explanation