BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: NY
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:
Due respect after unknown about this XX/XX/XXXXAccount XXXX in my name after I try to get a loan from a banking institution I called the above said mentioned company to have their allegation sent to me there is a card was open in my name on the XX/XX/XXXX which I know nothing about in the sum of {$1.00} I contacted the XXXX major bureau with all the credentials the asked for Experian is still reporting this adverse on my credit report which give me a negative impact to my small business which I am trying to buy I send copies of letters with the fraudulent signature for this action XXXX XXXX as remove it XX/XX/XXXX as remove it in XX/XX/XXXX Experian had reinvestigate their finding is unchanged as a crime victim my information my PII is still compromised after every thing i tried with this credit bureau I have so many hard inquiry trying to get resources for my business I have proof that I did do this the only thing should be showing on my credit report is my equity loan on my home, XXXX XXXX, XX/XX/XXXX d,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX all my other account are paid in full am only usingXX/XX/XXXX percent of my cards yet still because of this act I am so confused I need to get some help to advance in getting resource to help me get my foster parenting home Thank you for my concerns

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 2022-12-20
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} XXXXXXXX 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 2021-05-15
Company: EQUIFAX, INC.
State: PA
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:
As a review of my account there are a few accounts that are not mine Two from XXXX XXXX and 3 From XXXX XXXX {$480.00}, {$590.00}, {$350.00} And one from XXXX XXXX for {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-04-01
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I walked inside US Bank and spoke with the banking employee about opening a business checking account. I opened it with her and supplied the code for the {$300.00} bonus being offered. You had to make {$3000.00} in new deposits and keep the account open for 90 days to qualify. I deposited {$100.00} that day and ACHed the remaining {$2900.00} within the 30 days just as the employee instructed. I received an e-mail from US Bank saying I didn't qualify.??? Other people/businesses that I've been in contact with have received their bonuses with similar deposits.

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 2021-03-31
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In early XXXX of XXXX, I applied for a XXXX credit card and was approved for approximately {$1200.00}. I charged on the card and paid the balance in full when the bill was received. A few months later, I received a letter from Synchrony Bank stating that based on my credit score my limit was reduced to {$250.00}. As a result of the decreased credit limit, my FICO and credit scores were negatively affected. Although I did make additional purchases from XXXX, I did not charge them to my XXXX XXXX. I knew it would decrease my credit score further because of the reduced limit. 

On XX/XX/XXXX, I received a notice from the Credit Bureau stating that Synchrony Bank has closed my account. Again, this negatively affected my credit and FICO scores. I called Synchrony and the representative I spoke with couldn't give me any information as to why the account was closed. He informed me a letter was mailed on XX/XX/XXXX and he read the letter to me. Consequently, it is the exact letter I received when my limit was reduced to {$250.00}. 

I have been working hard to get it at a good credit rating. Ironically, Synchrony closed an account due to a credit score they are responsible for lowering.

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 2023-03-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried to correct a error on my credit report. Equifax continue to mail information with the name XXXX XXXX XXXX and my complaint is my name is XXXX XXXX no initial. I am wanting this issue resolved with my credit report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
CFPB Ref # XXXX AMEX had billed me {$590.00} ( annual renewal fee ) for a card that I do not utilize after the pandemic. Most vendors that I utilize, stopped accepting AMEX. 

AMEX purportedly is owed approx {$200.00} ( fees ) for some late payments in XXXX. I tried to explain that I had family medical issues that started in XX/XX/XXXX, after the pandemic and this occurred again in XX/XX/XXXX and has created continuous problems with family 's circumstances. 

AMEX most recently, has offered a pay to settle for approx {$330.00} on or before XX/XX/XXXX. I am trying to resolve this matter. I called the toll free number and asked for a pay for delete. The individual I spoke with at AMEX ( XXXX ). works in XXXX and said that there is no such thing as pay for delete with AMEX. When I questioned her, she said she wasn't sure and I would have to speak to another representative within AMEX ( again in XXXX ). Another representative came on the line and wanted to me go through the card number, DOB, social security number, etc.. I am being told that I'm being transferred to a supervisor, yet it seems odd that I'm reiterating my info again. Something is wrong! 

I am trying to resolve this minor issue and I keep getting bounced overseas to XXXX. I want to speak to someone in the USA to resolve this. My family and I used to get various calls ( which have stopped now ), from XXXX with thick accents as well, saying they are from AMEX. It was harassment for months. he collection representatives said they are from AMEX but they are from a collection agency. The representatives would never identify themselves as being from the collection agency, but now after I contacted the CFPB initially, AMEX has provided a written response by letter ( dated XX/XX/XXXX ), that the representatives are not AMEX employees but part of XXXX XXXX XXXX, XXXX. 

This is a minor item and it can resolved with a conversation domestically here in the USA. I'd like to have AMEX provide me with a contact person to resolve this issue. You will see that AMEX sends response letters after complaints to the CFPB with an address in Florida. There is no name or contact details for a specific person to contact, rather we call various toll free numbers and get bounced around. The letter is signed by XXXX XXXX. Who is this? Why does AMEX hesitate to sign a letter with a proper first name and last name, but yet requires customers to state, verify and reverify all their personal details? 

I find it difficult that I am contacting an AMERICAN company and can not reach an AMEX employee in the USA to resolve a minor {$200.00} issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Today, XX/XX/2020, and several times by phone over the past five years, I have contacted Lowes Visa because I never received my rewards. I made sure they had my current address and phone number. Checked to see why I stopped receiving my rewards. They have never sent them. They say they'll fix it, but never do. Their rewards card is a 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 2023-07-05
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 my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CCS Financial Services, Inc.
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:
I have submitted multiple disputes for this account with credit bureau in writing and electronically beginning on XX/XX/2019. I have also sent the company that has the debt a debt validation on XX/XX/2019. Every time I dispute this or send a letter i get we validated this debt without showing the proper documents to support their case.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: PA
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$1100.00}

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 2023-03-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, Account # XXXX, ( Date XX/XX/XXXX ), XXXXXXXX XXXX XXXX  Account # XXXX ( Date XX/XX/XXXX ) and XXXX XXXX XXXX Account # XXXX ( Date XX/XX/XXXX ) which was disputed by me and 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 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Personal information incorrect

Complaint:
In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act My name, address and work is incorrect on my credit file. 

and it has violated my rights. 

correction of ( name ) should be : XXXX XXXX XXXX corrections of ( Date Of Birth ) XXXX correction of ( Social Security # ) : XXXX correction of address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction of Employer should be : XXXX XXXX 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 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 non-monetary relief
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$1100.00}

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 2023-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Carvana Group, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
More than one month after purchasing a car from Carvana, the company withdrew the deposit of {$3900.00} a second time from my bank account with little warning. After reaching customer service they agreed to return the deposit, but only after 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted each company to informed them that I've been a victim of Identity theft and they directed me to touch base with the credit bureaus.

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 2021-02-10
Company: LD Holdings Group, LLC
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 information incorrect

Complaint:
I have held a bimonthly autopayment of my mortgage on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. I retired from federal service XX/XX/XXXX and moved to XXXX, XXXX  in XX/XX/XXXX. During the 8-10 years that I held a mortgage with Loan Depot my payment record was exemplary. My house in XXXX was rented. In XXXX XXXX apparently one of the autopayment failed. Home Depot did not notify me immediately so I could correct the error in a timely manner. Instead they suspended the autopay and I was advised in XX/XX/XXXX that my payment was in arrears for 3 payments. I wrote to the customer service portal asking for the reason why the autopay was stopped and how I could reinstate it. Phone based enquiries leave me on hold for a long time and then disconnect. I chose to use the message board in order to have a trail to enable someone to help me. In fact, I realized that the messages are not reaching a billing agent but a third party call center. The problem of miscommunication, crossed messages, resulted in me submitting payments based on the most recent communication with the Loan Depot representative which were returned to be as insufficient since the time passing has increased the amount due. I tried to explain as much as possible but all I got was how in one month I was behind on payment. There was no recognition that for 8 years or more I had a spotless record of payment and I deserved the courtesy of a human interaction for a conversation on the resolution of this issue. The report of poor mortgage payment has directly prevented me from purchasing a home in XXXX, CA. I am XXXX XXXX XXXX been through extremely difficult time since my move to XXXX and all I want is a roof above my head during the last years of my life that I can call my own. Loan Depot 's actions are unconscionable and inhuman. i m hoping that the report to the credit bureaus will be removed permanently and clear the way for me to obtain a mortgage on my last home. Thank you.

Company response to consumer: Closed with explanation