BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was making a payment in full to pay off the balance of my Synchrony Sam 's Club Card account. I was using the number written down on my checking account card when I first opened my credit union account ( 10 years ago ) and the number was incorrect. The payment bounced and I was charged an NSF fee. I reprocessed the payment and paid the card in full. This was the first and only payment that was an issue. I was informed that my Synchrony Sam 's Club Card was closed due to non-satisfactory payment history. I was then told that since I paid my card in full, I could have the account reopened in 7 days if there was no issue with the payment. After 7 days my account was reopened. Then I requested a credit limit increase and it was granted. In the meantime, I was unaware that my Synchrony Care Credit card was closed until I logged in to make my payment. I spent over 10 hours on the phone with representatives and nobody could help me get my account reopened. I was told to re-apply for a Synchrony Care Credit card. I applied and was denied because of unsatisfactory payment history, they were seeing the issue with the Sam 's Card. Again, this card was paid on time for many years and has had no issues. And even here, the issue was with a different account. After I was denied, I disputed the decision and sent in a credit report with proof of my satisfactory payment history. I am now being told that since I re-applied for a Care Credit card and was denied, that my Sam 's card was reviewed again, and closed once again. I had ONE problem with ONE payment and had two accounts closed. I can not believe that having ONE issue gives them the right to close down accounts I've had and have been building for over 10 years. I also have never received a sheet of paper explaining a decision and my credit report shows perfect payment history yet I am repeatedly told my payment history is unsatisfactory. This is unacceptable.

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 2022-12-30
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My credit union was rejecting my car payments so I went into bill pay and changed the acct number by adding one digit. I waited for the next payment to see if it worked XX/XX/XXXX. It showed it worked. I then realized it made two payments. I called and the first woman said lets fix that and she said she did then transfered me to file a claim. I was disconnected. I called back twice and kept getting disconnected. I called back two days later and the woman now told me it was my fault I had two payments scheduled. I said when I go into bill pay and press that payee it doesnt even have repeat checked so how could I have done two payments? I didnt! I was told by prior person it was fixed and second person wouldnt open a claim for me. Trusting my bank was wrong! For the next two months they paid it twice and this entire time repeat is not checked. I called and asked how I see a history of payments to one payee and the person told me I cant system doesnt do that. I was evicted because i couldnt pay my rent and they did it again and Im so beyond upset! I send messages in and cant get help that way either! Over {$1300.00} was paid and shouldnt have been and there response is oh well its your fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My name is  XXXX   XXXX  I have a mortgage with   XXXX   XXXX    Loan  #  XXXX .    Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.

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 2022-09-11
Company: Experian Information Solutions 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:
Tre

atment of inaccurate or unverified viable information. ( A ) In general if after every investigation under paragraph ( 1 ) Of any information disputed by consumer or item of the information is found to be in accurate or incomplete or can not be verified the consumer reporting agency shall, 1. Probably delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the and 2. Promptly notify the furniture of that information of the information has been modified or deleted from the consumers file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX To whom it may concern, I just got my credit report and its wrong I was informed I have the right to have a investigation done. Credit reporting Laws ensure that bureaus report only 100 % credit accurate Every step is taken to assure that the information reported is completely accurate and correct. The following information, Therefore, needs to be reinvestigated please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : - Payoff Disclosure - Interest Rate Disclosure - Balance History - Payment History - Credit Insurance Validate Accounts : 1. XXXX XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 2. XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 3. XXXX XXXX ACCOUNT : : XXXX, XXXX, XXXX THIS CONTRACT IS CANCELLED 4. XXXX XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 5. XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELED 6. XXXX XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELED 7. XXXX XXXX ACCOUNT XXXX THIS CONTRACT DOENSY BELONG TO ME I respectfully ask you to provide some kind of proof of these alleged items specifically the contracts notes or other instrument bearing my signature. 

Additionally please provide name, address, and phone number of each credit grantor other subscriber. 

I also heard under federal law you have 30 days to complete your reinvestigation be advised that the description of the procedure used to determine accuracy and completeness of the information is here by requested as well to be provided within 15 days of the completion of your reinvestigation. 

Respectfully, 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 2022-11-04
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX, I started working with a Credit repair company by the name of XXXX to help me remove some late payments off of some accounts on my credit report. On XX/XX/XXXX I found out when I got a call from our local bank that they had received 35 pages in a XXXX  envelope with my name and address as the sender when the credit repair is who sent it not me. My grandfather passed away on the XXXX of XXXX which I was in XXXX with him until he passed and got this call as I was heading back to XXXX where I live so during this time I didn't think of all the companies I needed to call or who had gotten a letter as well the credit repair company told me that they would not have done this and blamed it on XXXX and we all know XXXX doesn't do that! Since all of this I had to pay {$200.00} to get out of my contract with the credit repair company this has all been a nightmare for me especially after losing my grandfather in the middle of all this. All other companies that got a dispute have been so easy to work with and saw that the dispute was not accurate and mailed me a new card for my protection. But then there is Comenity Bank where I have a XXXX  & Victoria Secrets card for many years with gets the dispute Closes my account on XX/XX/XXXX with out my knowledge no letter, email or phone call at all and apparently you have 7 days to reopen the account which I found out on XX/XX/XXXX that my accounts had been closed I spoke to every person at Comenity to help me with this matter and I just kept getting told they can not reopen my account and to reapply well with what I have going on who is going to approve me NOT MY PROBLEM they should have contacted me all of the other banks did so when I never received anything in the mail or heard from Comenity I thought they either by a miracle didn't receive a dispute letter or did and saw that it wasn't relevant! They should have contacted me my accounts were in good standing who closes good standing accounts with out notifying the account holder if I would have never tried to use my XXXX account I wouldn't have known today that my accounts were closed they need to reopen my accounts this was not my fault and bad business on their end to not notify me through mail, email or by phone there is not excuse for this and now with the closed account status on my credit score will drop! I have no documents to send because comenity sent me nothing and the companies that received letters told me by law they couldn't send me what they received! please help me fix this matter I could only add one card number so I'm sending in another complaint so I can add the other credit card number!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I applied for a credit card through Citizens Bank and was denied. application ID # : XXXX. The only reason Citizens bank claims I was denied is due to " NUMBER OF ACCOUNTS WITH MAJOR DEROGATORY EVENT '' Citizens Banks claims they received this information from XXXX. However when I pulled a copy of my XXXX credit file I was unable to confirm and Derogatory accounts. 

SO that I may be able to confirm whether I am a victim of possible fraud I am asking for Citizens Bank to please provide me with two ( 2 ) simple answers.

1. What month and year is the most recent Derogatory account they found in my credit file? 
2. How many Derogatory accounts did XXXX report to Citizens banks? 

I would like to believe Citizens bank has an interest to protect consumers there is no reason to deny me this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid Amerisave {$500.00} to refinance my home. Less than 24-hours after I sent the {$500.00} to this company using my debit card, I decided to go into a Chapter XXXX Bankruptcy. No company would refinance my home. I was totally stressed because all my family is deceased. I only have my home and am retired, elderly and have health issues. 

I hope Amerisave is not trying to take advantage of an elderly widow who wants to keep her home? I sent Amerisave {$500.00} because I hoped the company could refinance my home. 

I reviewed my financial situation and knew that I was not a candidate who XXXX  XXXX XXXX ( XXXX ) would help me in any manner. XXXX  was extremely unaccommodating in trying to refinance my home under any circumstances. I know that XXXX  XXXX XXXX wanted to make my life miserable and refused to refinance a $ XXXX 2nd mortgage. 

I began trying to refinance my mortgage in XX/XX/XXXXwith XXXX. I was played, disrespected and belittled by this giant institution, XXXX. My paperwork was lost, missing or not found when I tried to determine what the status of my refinancing was with XXXX. 

After agony, grief and a hard look at my financial situation, I immediately told the representative of Amerisave of my decision to stop the drama and ill-will from every company I tried to get my home loan refinanced.

The company, Amerisave, returned the {$500.00} on XXXX to my account. Now, this company has charged the original {$500.00} again. I am XXXX-years old, widowed and have paid my bills on time. I am disturbed that Amerisave is taking advantage of the elderly. Why would Amerisave reverse these charges?

I have health issues and need my money from Amerisave. This company did no actions on my behalf. Please help me get my {$500.00}. 
These are my bank charges below : XX/XX/XXXX XXXX XXXX XXXX - AMERISAVE MORTGAGE COR Credit Reversal - {$500.00} XX/XX/XXXX XXXX  Simply Checking Card Adjustment Signature ( Credit ) AMERISAVE MORTGAGE COR XXXX XXXX Purchase + {$500.00} XX/XX/XXXX XXXX Dispute Credit - AMERISAVE MORTGAGE COR Provisional Credit + {$500.00} XX/XX/XXXX Amerisave Mortgage Purchase - {$500.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against CREDENCE RM XXXX that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request.

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: AMERICAN EXPRESS COMPANY
State: ID
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 filed a dispute in XX/XX/XXXX with American Express in the amount of {$16000.00} dtd XX/XX/XXXX. The charge was from the company, XXXX XXXX. The reason for my filing was this company had their business operations shut down by the FTC for making false claims and misleading consumers. I considered this as a scam and breach of contract. I gave American Express all of the supporting documents regarding the case and let them know that the business operations had been shut down and they denied my dispute twice because they could not contact the merchant ( of course they couldn't the FTC shut them down! ). That is the only reason I was given. Out of 7 different credit card disputes I filed for the same merchant and reason, American Express is the only one that denied my dispute. All the other companies ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) I'm not sure if this is considered a complaint you would investigate or if I have any other recourse. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I closed my XXXX credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.

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 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I never applied or benefited from these alleged accounts. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.     I am attaching ALL of my supporting documentation, lease for proof of address, ID, SS card, letters, police report, FTC ID theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have not been able to retrieve my Experian report for the last XXXX years. Experian stated that there is no freeze or fraud alert on my consumer report but I am still unable to access my credit reporting via the Experian website, and other repositories. This is hindering my livelihood. I am currently looking to purchase a car and the dealers are reporting that I have no file. Something is going on with my file and it is Experian 's duty to insure this is available so I may have credit extended to me as a consumer. This has inconvenienced me for many years with creditors relying on Experian 's data to extend credit and they have failed to do so. I have had multiple adverse action decisions due to Experian 's negligence. 

I am looking for Experian to do the right thing and compensate me for the damages. I am requesting {$25000.00} which is way below the adverse action losses I have accumulated since 2020, as well as my consumer report restored to accessibility. 

Thank you

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 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. see attach documents as proof of this information being incorrect. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting the same account multiple times thus causing my XXXX  and fico score to stay in negative. The accounts are old and closed. They are being reported.muliple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am beyond frustrated with the lack of response, action, and general understanding from the credit bureaus and the Consumer Financial Protection Bureau of my situation. I have submitted multiple disputes to the credit bureaus with no assistance. I have now submitted two claims to the Consumer Financial Protection Bureau to rectify the lack of response from the credit bureaus. Instead of doing your jobs and protecting me as the consumer you reject my claims as if Im not a real person or need assistance to draft a simple complaint. I am a XXXX  and know my rights. Something needs to be done now and I expect an actual response not a closing of my complaints because yalls lack the ability to do actual work.

Company response to consumer: Closed with explanation