BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: MD
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 XXXXXXXX XXXX XXXX XXXX is reporting one credit card under two different accounts. Both reported accounts, reflect the exact same - credit limit, highest balance, payment history, etc. 

This violates FCRA. 

I have only ever had one credit card with them, so for them to reflect duplicate balances, highest balance, and the exact same delinquent payment history is ridiculous. 

Experian refuses to acknowledge the obvious and are also in clear violation of FCRA.

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 2021-08-18
Company: JPMORGAN CHASE & CO.
State: MS
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:
XXXX Received multiple alerts from My credit monitoring agencies showing a fraudulent Credit card application from XXXX XXXX/chase bank for a new account. XXXX XXXX reported that the application contained nothing correct but ssn. XXXX contacted chase bank to report this fraud and found that they had not verified any information from the application but had already run a credit report from XXXX XXXX ( causing a hit to my credit score ) and were at the point of issuing a physical card. When asked how they had verified the application, I requested the information used. Much to my disgust, they then refused to divulge the information they had used to verify this application. This is why Identity theft is rampant. Where is their responsibility to be responsible lenders and monitors of this type of behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called me last week and when I answered, I told them to do not call me anymore and to send something in the mail. I have yet to receive anything and they keep calling from multiple numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive had a CHIME account for over a year now with no problems. Two weeks ago, they requested my driver 's license and a w-9 because the IRS couldn't verify my information. I gave it to them. They sent me this email 4 times. I complied. I then called CHIME to verify. I was told the emails didn't come from them. Two days ago, I got a notification that there was suspicious activity on my account, and to check my email for further action. It was the same email asking for my driver 's license and w-9. I have called five times, and they say i will get another email. All of the emails are the same. I have them all saved and can provide them if neccessary. I also let them know that i was recording the phone calls for my own purposes. I have a gentleman saying that they actually DID verify my information, and the reason they haven't unlocked my account is because the company is dealing with heavy workloads right now. I got notifications from XXXX and XXXX that my CHIME has been disconnected from both. I lost over XXXX dollars. This isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I received my credit report then I called Experian, XXXX XXXX XXXX in regards to Inquiries and addresses that were being reported on my consumer credit report and I was on wait for a very long time for each consumer reporting agencies before getting the fraud department. After getting through and telling them the situation they would not remove them from my report ( s ). Experian reporting 55 Inquiries & 2 Addresses, XXXX reporting 35 Inquiries & 7 Addresses, XXXX reporting 25 Inquiries. Under US 1681 and 1681n It is my legal write to seek damages moving forward because it has damaged my credit scores tremendously for me and my family. I have uploaded the Inquiry & Addresses parts of my credit report from each Credit Reporting Agencies and pointed & highlighted each one on each 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 2023-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-04-10
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an Amazon store card through Synchrony Bank. It has charged me something called " XXXX XXXX XXXX '' since my XX/XX/XXXX statement. However, I didn't notice before because the charge was small, and I didn't check my statements. I don't recall ever being notified or agreeing to this charge. On XX/XX/XXXX, I called the number listed on the charge ( my statements have it listed as a fee ), and I initially thought it was fraud. I called the Amazon store card customer service number 3 times to try and report it as fraud. They told me it wasn't fraud and I had to call the number again. I believed it was in fact fraud, so I closed my account. I closed it on XX/XX/XXXX. However, my XXXX statements show I was charged {$19.00} on XX/XX/XXXX, even though my account is now closed. I called the number on the charge today and entered my account information that I verified is correct and was told it is wrong. Then I called the Amazon store card support and was told I need to call the number on the charge to cancel. The Synchrony Agent also couldn't tell me how my account is still being charged when it is closed. Since XX/XX/XXXX this fee has charged me a total of {$180.00}. I just found out this XX/XX/XXXX, but the ordeal since then has been very stressful. I definitely think this business needs to be investigated. I have since searched for similar stories with Synchrony to my own and found quite a few. Though I seem to be the first they continue to charge once the account is closed.

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 2023-11-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ww had an ordeal where the property manager damaged the apartment we left even though we took pictures and etc beforehand tried to collect XXXX dollars for this damage she created with her employee, she denied all accusations and even stole my sons xbox we contacted the credit departments and told them what happened and it was suppose to be removed and so it wasn't on my credit list now fair collections and out has bought it and is trying to claim its their debt after telling us it was purchased by them ... they also called when my wife 2 be was XXXX XXXX XXXX with me due to an XXXX  and threatened us and then told me well this is more important than your wife life so you need to stfu and listen ......

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 2023-08-11
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-10
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I have sent a letter to this company letting on XX/XX/2022. I have sent dispute letters along with ftc report letting them I have been victim of id theft and they are refusing to remove I have sent disputes on XXXX to no avail they are refusing to remove this despite me sending eligible documents for it to removed from credit report The amounts the collections {$460.00} {$850.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit 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 ordered a XXXX extended carseat during XXXX prime day in XXXX and i received a toddler booster seat instead. I reached out multiple times to XXXX and XXXX and no help. I disputed charge with apple XXXX for the {$150.00} was denied. Sent proof of direct email from XXXX stating they apologize for the mishap and prime days are always overwhelming and credit card can refund me but graco cant since bought on XXXX. I have not received refund just lots of frustration. Item i got was {$50.00} and i ordered a {$150.00} carseat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NY
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:
These accounts are not mine, they have incorrect information and greatly affect 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 non-monetary relief
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
Equifax does not deliver credit reports via XXXX. The request always crashes and the consumer gets a message that the report can not be delivered online and must be delivered by mail. This is designed by Equifax to make the consumer endure the hassle and time delay of requesting the report by mail or forcing the consumer to BUY the report online. This is by design. Yes, it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello team, Can I raise a request with you to send me in PDF format bank statements for the year 2022 from XXXX till when you closed my account. 
I need them for bookkeeping purposes. 
Account Name : XXXX Type : XXXX  Checking ACH/Bank Routing Number : XXXX Account number : 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 2021-04-01
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank closed my account without my knowledge. They send frequent emails regarding sales, so communication obviously isn't an issue. 

To my shock and horror, I received an update that my credit score dropped, putting me in the red. I worked so hard to build my credit and they destroyed it. All the company had to do was send an email notifying that the account would be closed due to inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: S&S Physician Services, Inc.
State: TX
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 have been disputing this inaccurate account with Harvest Associates for sometime now. I sent them a letter on XX/XX/2022 and here is the tracking to prove it XXXX XXXX XXXX XXXX XXXX. I asked them to validate this account and provide sufficient documents and proof as to where this debt came from and all I received was a letter stating that they feel the account is verified with the balance they say I owe and the name of the creditor. This is not validation of debt and if they are not able to provide valid proof this account should be deleted from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: SCA Collections, 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:
SCA Collection XXXX acct # XXXX Violated my rights on XXXX/XXXX/2022. 

The violation these laws 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

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 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im writing in regards to my letters I sent on XX/XX/2020 regarding unauthorized inquires that are being reported on my credit report. Up to this day 47 days later I have not heard anything back from any of the bureaus regarding their investigation. My dispute regarding this matter has gone unanswered and I feel as if I'm being ignored. It has been well over 30 days and to my understanding of the FCRA Section 611 ( A ) the bureaus have 30 days from receiving the notice to investigate these items and if not verified remove them from my credit report. I want these unauthorized inquires removed from my report promptly. These items are affecting my credit and I want these inquires deleted or I will file for litigation due to the stress that I have been put through. My information was compromised by the data breach from XXXX and has gotten into the hands of the wrong people.

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 2022-04-10
Company: CrossCountry Mortgage LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I would like an independent review of the loan. All email chains, texts and any other communications between the loan officer the underwriter, title company, real estate agents and customer. I applied for a loan on a XXXX XXXX at CrossCountry Mortgage. The loan was for XXXX XXXX dollar home. I put XXXX XXXX dollars down and terms were 50 % payment by cusomer at time of closing. The loan was for the other 50 %. Most of the information requested was gathered between XX/XX/XXXX and XX/XX/XXXX XXXX. It was sent by myself or gathered by XXXX and XXXX at Crosscountry Mortgage. Communications were frequent by text and email. The contract for the purchase was to be completed before or on XXXX XXXX. I was told several times during the process that everything was just great and would close early even as early as XX/XX/XXXX. I asked for a closing on XX/XX/XXXX and explained that I would be out of town. The loan was delayed because of the underwriter constanly. They did not close the loan on XX/XX/XXXX and requested a week extension until XX/XX/XXXX. Last minute request started to come to me until the last request on XX/XX/XXXX. I was not available to gather the information requested becuase I was in meetings until XXXX that day. the comditions os the extension expired at XXXX that day. The requested was not reasonable or timely. I asked several times throughout the process in XXXX if they needed any more information. None of the last minute requests were mentioned earlier in the process. I asked my bank to givie them any information needed two separate times.

The Loan was not Approved becuase of constant delays and unreasonable timely requests. I lost my {$42.00} thousand dollar down payment to seller and XXXX fixed interest rate loan because of the lack of competence and managment of the loan. 
Thank You for your time and please reach out if you need copies of texts and other communications. KEEP ME INFORMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: MA
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 filed bankruptcy and was awarded a discharge in XX/XX/2016 and it says discharge was XX/XX/XXXX I called the office and says they dont speak to consumer companies so how did they verify wrong information. I ask to have the contact person information and never got answer just court general phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Months ago I received your correspondence on this alleged account stating you verified/ updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely 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 2021-09-22
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: Investigation took more than 30 days

Complaint:
Months ago I received your correspondence on this alleged account stating you verified/ updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely XXXX off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 has the following information on my credit report and it is not correct : Shows a late payment account from : XXXX XXXX  This has never been late. 

XXXX XXXX XXXX This is not my account. 

XXXX XXXX This account was never late. It shows charged off. {$57.00} XXXX XXXX This account was never late. It shows charged off. {$4000.00} XXXX  This account was never late. 

XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.

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