BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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:
In Accordance with the fair credit reporting act convergent account : XXXX XXXX  XXXX # XXXX, & XXXX XXXX  Acc. # XXXX, & XXXX XXXX Acc. # XXXX, & XXXX XXXX Acc. # XXXX, & XXXX XXXX Acc. # XXXX & XXXX BANK Acc. # XXXX & XXXX Acc. # XXXX Has Violated my rights. 
15 U.S.C. 1681 Section 602A. : 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 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 2021-07-27
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Well what happened is during a hardship that all my creditors were notified of the former job loss on XX/XX/XXXX of XXXX and then again after that job loss that was due directly to positive XXXX test that my son and I hand and also medical concerns and while trying to work with my mortgage company to modify my home loan with the energy efficient refinance plan as I have requested for permission back in XXXX of this year from my home loan service provider to rent out my property instead of selling my home as we are moving and that rental income is needed due to this hardship I had went to Home Depot to get some paint and things to get my home ready to move into for a renter and upon purchase was told that my card did not work so I called the credit card company as I have a credit card with Home Depot which I have only used and then immediately repaid each and every time and have never left a balance on in the entire time that Ive had it and I was told by the company that they took it upon themselves to cancel 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 explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.

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 2021-09-14
Company: SYNCHRONY FINANCIAL
State: TN
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 noticed unauthorized inquiries on my credit report. I have contacted the companies and credit bureaus to have these removed.

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 2023-04-07
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2023 was a tough day finding out as I was visiting a relative with XXXX my XXXX XXXX along with my personal belongings including my Vystar Credit Card. Fortunately XXXX was understanding and completely complied requesting that I obtain a Police Report. 

I contacted the XXXX XXXX police department and an theft report along with fraudulent use of my Vystar Credit Union ( They advise 0 % Fraud Liability ). After contacting Vystar at the local office going twice because they added more transactions to dispute then required. The branch manager advised to obtain a Police Report & FTC Fraud report and within 10 days you will have a provisional credit for the loss so it not going to effect my availability. I thanked her and about a week later fax Vystar credit union back office the FTC Report & Police Report information about 5 times as the gentleman at XXXX was having trouble. Nevertheless Vystar was faxed the legal documents that I was originally requesting to send. I need to note this is around 10 days after I originally disputed the fraud.

To retaliate against me because of being victimized by fraudulent charges and because of my age and handicap ; Vystar closed the credit card and revoked my debit card charging capability. 

According to the FTC While the issuer is investigating your complaint, you can withhold payment on the disputed amount and any finance and related charges. But youre expected to pay any part of the bill not in question, including finance charges on the undisputed amount. 

The issuer may not take action against you for using your rights. The issuer can tell the three nationwide credit bureaus ( XXXX, XXXX, and XXXX ) that youre challenging your bill. 

But the issuer cant take legal action to collect the amount youve disputed ( or finance charges ) may not close or restrict your account ( THIS IS WHAT VYSTAR CREDIT UNION DID ) cant threaten your credit rating or report you as delinquent may not require you to pay your full balance immediately cant discriminate against you if, in good faith, you exercised your rights under the law to dispute a bill If your bill has a mistake, the issuer must explain to you in writing the corrections that will be made to your account and remove all finance or other charges related to the error. This plus more falls under the The federal Fair Credit Billing Act.

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 2023-10-03
Company: EQUIFAX, INC.
State: CA
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:
Last year I discovered a false account with XXXX XXXX Bank and XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX Bank and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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 this Creditor has violated my rights under 15 USC 1681 section 602 states : I have the right to privacy 15 USC 1681 section 604 a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-11
Company: Bread Financial Holdings, Inc.
State: AL
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 paid off in full XXXX XXXX, but the company Wayfair/ Comenity Bank . As of XX/XX/2023. I have received serval phone calls stating the account is delinquent. The amount I paid off was {$24.00}, now Wayfair / Comenity are stating I owe {$170.00} in late fees. This is incorrect an unjust enrichment. I pay my bills timely and correctly you can check my credit report. I refuse to be extorted for fees that don't belong to me. The account number is # XXXX, I would like this corrected on all 3 credit reporting agencies as well a letter to me stating the correction. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXXXXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-05-01
Company: Experian Information Solutions Inc.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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: Experian Information Solutions Inc.
State: CA
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:
EXPERIAN IS REPORTING A NEGATIVE ACCOUNT FROM XXXX  XXXX XXXX AND IT SHOULD NOT BE THE OTHER CREDIT BUREAUS HAVE IT REMOVED AND CORRECTED AND XXXX  XXXX XXXX NOTIFIED ALL OF THEM TO REMOVE THE ACCOUNT BUT EXPERIAN HAS NOT DONE SO AFTER NUMEROUS REQUESTA TO DO SO THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT 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 2023-04-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good morning. I got scamed over the phone and they used my XXXX  application in chase bank to transfer to their account in XXXX  XXXX XXXX using my phone number. They got in to my account and just transferred the money. I gave them code confirmation over the phone due to " block unauthorized '' transactions. Turned out it was some approval code. He manipulate me that someone got in to my account and tried to transfer the money. 
I file the claim to my chase bank but 3rd day and no results. They not sure if they will get my money back because it was XXXX  transfer so its like cash transfer. It happened on XX/XX/XXXX. 
Once i finish the call with scam, i called my bank to double check if its true and it was not. so i told them its fraud and not authorized transaction. 
And another issue is that i can not contact XXXX  XXXX XXXX over the phone, because im not the customer. And i can not contact them and remove my phone number from someone account.. because now my phone number for XXXX is XXXX to XXXX XXXX XXXXXXXX and i dont know how to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX 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 explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2020, an 30 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified

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 2021-07-27
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: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2023-06-01
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:
I reviewed my Consumer Reports and noticed that I had over 7 years of charge off reporting activity. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-10-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The amount was {$710.00} dates contacted XX/XX/XXXX, XX/XX/XXXX and another amount for {$480.00}. Both amounts still remain on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: GA
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

( 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. 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 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 resonable cause to believe 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 2018-12-26
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I originally borrowed close to {$50000.00} for graduate school. At the time, I borrowed from XXXX XXXX at the time a reasonable interest rate of 4 %. During the period of two years the rate was consistent, but then was transferred sold to a XXXX bank and had ballooned to 9 %. Now, I owe close to {$400000.00} since 1997. I have never been able to pay the monthly payment and have since enrolled in an IBR. I have also applied for the Public loan forgiveness program in Hope 's of salvaging some sort of life with this debt. I was never made a ware the loan could reach such heights with the end result of all that investment leading to a trap. It's unfortunate everyone is vulnerable to such bad lending practices. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a mortgage refinance with XXXX under a promotion that was on my American Express user dashboard upon logging in at American Express. It promised a {$2500.00} statement credit to my American Express card upon closing and funding a mortgage refinance with XXXX. I successfully closed my refinance with XXXX. Throughout the refinance process XXXX continuously sent me emails reminding me I was an Amex customer who was applying under the offer. At the end of the process, XXXX asked for my American Express card information and assured me my statement credit was on its way. After more than 12 weeks after mortgage funding, no statement credit has appeared despite reassurances from XXXX that the credit is on its way. Communication is poor and the companies are deflecting blame back and forth. I met all the terms for the promotion, as confirmed by XXXX. I want the {$2500.00} statement credit I was promised by both XXXX and American Express, posted to my American Express credit card ending in XXXX.

Company response to consumer: Closed with explanation