BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had autopay set up on my Lowe 's credit card through Synchrony Bank, and it had been paying itself when I used it periodically since opening it in XXXX, but since XXXX, the payments have stopped going through, and I wasn't notified of it until I manually checked in on the account and found that the XXXX 's app that I had been using to pay was not letting me log into my account, so I tried to log in a browser on my laptop instead, and found that I had to set up an account directly with Synchrony to manage my account, and upon doing so, I found it delinquent. I called Synchrony, and they told me that they no longer process payments through the payment center in the XXXX 's app where I had been managing the account and that they don't have any control over the payment center on the XXXX 's app or whether it actually takes payments. The amount due was less than {$20.00}, which I had already submitted a payment for before calling Synchrony. While on the phone with Synchrony, the rep said that due to the confusion and inconvenience of the situation, they would clear the charges and retroactively remove the missed payment status on my account so that my credit would not be harmed. However, my score has since been updated and now reflects that the account is delinquent and 30 days late. Maybe this will be fixed in another 30 days after another statement is posted, but if you have to retroactively correct your own records, it needs to happen immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was completely unaware this account was even opened. The collection is LVNV Funding, originally from XXXX XXXX XXXX This debt is not mine, this account was a result of identity theft. I had not noticed this account until I began trying to repair my credit. This is one of many fraudulent accounts opened using my information. I have notified the bureaus and filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello - In XXXX of this year I opened a Checking and Savings Account with JP Morgan Chase ( Chase ) under a {$600.00} promotion offer. The terms of the offer clearly stated the following : " Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance. '' I did not have existing accounts and I did not close accounts within the 90 days. Hence I went ahead opened the accounts, transferred {$15000.00} in my savings account, established direct deposit in my checking account and met all the terms of the promotion. It has now been several months since I have met all the terms of the promotion. However Chase has not credited the {$600.00} promotion credit to my account. After several secure messages, and calls to the Customer Service Department they are telling me that my accounts are ineligible for the {$600.00} promotion credit because of an " internal policy '' at the bank indicating that promotion credit can be obtained only once every two years.

However such " internal policy '' requirement was not disclosed to me when the Bank cheated me and took my hard earned {$15000.00} funds from me. Attached are the terms and condition of the promo code with all the published eligibility requirements and you will see for yourself that the Bank has not disclosed this ficticious " internal policy '' before accepting funds from a customer. On the contrary the Bank has knowlingly and deliberately lied to customers indicating they will be eligible for the bonus provided they did not close accounts in the past 90 days.

To say one thing in writing and openly to defraud a customer of their money and then turnaround and present another set of eligibility requirements based on undisclosed and fictitious " internal policies '' is out right cheating, daylight robbery, unethical, illegal, immoral and utterly shameful and shameless behavior!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX showed a late payment I have never been late

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 2019-01-19
Company: BOK FINANCIAL CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Took XXXX to the XXXX XXXX XXXX atm to do a cash deposit. The atm took the money and then said their was an error returning the funds and printed a receipt that said that. The XXXX XXXX XXXX atm was on XXXX XXXX ATM number XXXX Date XX/XX/19 Time XXXX Called the bank and they said that the atm doesnt show an error but I have the receipt that says it had an error. Said they would attempt to investigate it.

Said they could only do a previsanial credit while they looked into it. But I was advised to make a complaint about the atm

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Was the original complaint filed on approximately XX/XX/XXXX. I sent a certified debt validation letter to Jefferson Capital asking for a completed signed application of the alleged debt owed plus dates within the timeframe of 30 days. This alleged debt was from 2018. I never received anythingThey tried to ruin my credit. I filed a complaint on XX/XX/XXXX and thought it was settled on XX/XX/XXXX with their response to stop collecting and remove this alleged debt from all 3 credit reports. This collection remains on my XXXX credit report. I had considered this matter closed only to find they did not keep up their end of the bargain. I want This remedied immediately. I have attached the XXXX report showing it still remains along with the teosinte form Jefferson Capital stating they would remove and stop collection efforts. I should not have to be dealing with this again. I trust when someone says they are going to to something they keep their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: CT
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:
Experian Credit bureau has wrong address Experian has 3 same address and 2 old address that should have been removed and updated I have spoken with numerous customer services specialist to no avail Experian still have closed account from 5 years ago on my credit report 3of them are from  XXXX XXXX 2 are from the XXXX XXXX XXXX I have disputed and ask them personally to delete it is still current on my credit report I have been giving the run around from the company for the past six months my report number is as follows XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Transunion is willfully damaging my credit score by double reporting accounts and refusing to remove an account that was requested for deletion by the reporting company. I've attached email conversations from XXXX XXXX that show Transunion is aware that they are reporting my XXXX XXXX accounts in duplicate but have not fixed the issue yet. I've also attached an email from XXXX XXXX that details how they've asked Transunion to delete the reporting of their tradeline from my credit report but they have failed to do so. The other CRA 's have already removed this account as requested. There are also several inquiries on my credit report that I've reported as being fraudulent and not made by me and they refuse to remove them. If Transunion continues to refuse to comply, I will be filing suit for willful non-compliance and negligence. 


The following inquiries are fraudulent and were not made by me : 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 Please remove them from my report immediately in addition to the double reported accounts from XXXX XXXX and the account from XXXX XXXX which was requested by them to be 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 2022-04-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/2022 I filled out a Identity Theft Report about this issue and sent it to the three credit bureau 's with an explanation. I did not open this account. A friend of a friend gained access to all of my information and opened varios accounts in my name. XXXX acknowledged that this was correct and removed it from my credit report, but Experian did not. The letter I sent Experian was also in XXXX XXXX XXXX I need this bad information that is on my Experian credit report eliminated.

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 2022-04-12
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:
Says I have a delinquent account when it was paid off

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 2022-09-09
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive comtacted the company several times some items where removed but not all

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 2022-11-20
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I currently have 100 payments counted toward PSLF forgiveness of my Federal Student Loans per my servicer MOHELA as a result of submitting a TEPSLF form to my former servicer XXXX  on XX/XX/XXXX. I have submitted an additional employment verification form to MOHELA on XX/XX/XXXX for this year hat would add 11 additional payments toward PSLF loan forgiveness. It has not been processed as of yet. 

Additionally, the US Department of Education also announced that Forbearance periods now count toward PSLF forgiveness as well & that a one time recalculation of past payment history is to be done by the Department of Education that will include forbearance periods as qualifying payments toward PSLF forgiveness. 

I have tried calling MOHELA to get them to process my most current XXXX employer verification form 3 times last week and to explain that my loans were effectively paid up because of the forbearance change and demand that my loans be forgiven, but the wait times exceeded 5 hours - effectively not taking the call. 

I also submitted a complaint to the Federal Student Aid Ombudsman asking for them to intervene and get the US Department of Education to update my payment history with qualifying payments during forbearance periods and get MOHELA to process my XXXX employee verification form and forgive my loans as I have more than 120 payments. They responded by sending me an email stating that PSLF is eligible to direct loan borrowers only - which did address my complaint at and offered no resolution. 

I am entitled to forgiveness of my student loans as I have 100 payments counted already, 11 to be counted as part of my XXXX employer verification form and an additional 24+ payments that should be counted as I was in an administrative forbearance since XXXX as I have a Borrower defense to repayment claim pending at the XXXX Department of Education that has still not been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
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:
This is an attempt to correct my EQUIFAX, XXXX and XXXX credit report ( s ). I have identified fraudulent accounts. Please block the accounts listed below : XXXX XXXX : XXXX - {$190.00} XXXX XXXX XXXX XXXX : XXXX - {$560.00} These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. These accounts are unverifiable and violate my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ad Astra Recovery is still reporting and trying to collect a debt amount of {$290.00} for a payday loan from XXXX XXXX who already was paid in full directly. Ad Astra needs to be removed from my credit file immediately upon this information. I do not owe Ad Astra any money at all and it is invalid and fraud for them to continue to attempt to collect money for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to first say this complaint is done by me and for me without the help of any additional party. I have been in contact with the credit reporting agencies XXXX, Transunion, and XXXX in regards to errors on my consumer report. I am requesting that they not only remove the listed accounts or inquiries but to permanently keep them removed. They have ignored my written instructions mailed to them on XXXX. Pursuant 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the following be removed and corrected... 
remove late payments from XXXXXXXX XXXX XXXX XXXXXXXX, remove invalid account XXXX XXXX and XXXX XXXX. Delete from my consumer report address listed as XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
On XX/XX/XXXX I sent out a USPS-certified Notice of Dispute letter to Synchrony Bank . Here is the tracking number XXXX. With my credit report cause I notice there was inaccurate and missing information being reported on my credit report. I received a letter back from Synchrony Bank on XX/XX/XXXX reinsuring me that they reviewed my account and verified it is accurately being reported. 

On XX/XX/XXXX I pulled my credit report again to see if there is still inaccurate and missing information being reported on my credit report. The account number is not being reported accurately. On Account Type - Details they are reporting on XXXX as a charge off but on XXXX it's reporting as incomplete. On Account Status it's being reported on both credit bureaus as " Paid '' but still reporting as a charge-off. The date opened is inconsistent between both bureaus. High Credit is being reported as inconsistent. The credit limit is being reported as inconsistent. On XXXX, it is being reported as " Last Reported " on XX/XX/XXXX, and on XXXX is being reported as XX/XX/XXXX even though I sent a certified Notice of Dispute on XX/XX/XXXX. The last day active and the date of the last payment are inconsistent across both credit bureaus. Payment history is being shown as incomplete and inconsistent.

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