BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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:
The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.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 man 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. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have listed the accounts that are negatively affecting my life below : 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 XXXX XXXX XXXXXXXX These accounts have not been properly reported nor investigated. As I have also suffered from XXXX XXXX. And the Cares act and FCRA state that creditors aren't supposed to furbish negative data during the pandemic.

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 2019-05-22
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been off work for over a year with serious health issues and unable to work. 
Recently XX/XX/2019 I was diagnosed with additional health issue that has caused me to be to under Doctor care and having a series of test to determine the cause of my recent health issues. I'm XXXX and receive XXXX. I've requested mortgage assistance with Chase Mortgage with my mortgage. I recently was forced to file Bankruptcy to stop the property foreclosure sale of my home. They have been unwilling to assist me Please! Please! Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: MD
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a TD Bank " home inspiration '' credit card that I make flat monthly payments on for a furniture purchase - the account was opened in approximately XX/XX/XXXX. My monthly payment is {$94.00}, and I have paid it every month without fail. However, I was assessed a late fee in XX/XX/XXXX and then, when I didn't pay that, another one.I found this out when received a letter from a collection department at TD Bank in approximately XX/XX/XXXX. I had been locked out of my online account and was simply paying the {$94.00} monthly installment. After I received the letter, I found out when I contacted customer service on XX/XX/XXXX that this was allegedly because I made my XX/XX/XXXX payment " too early '' so it was credited to XX/XX/XXXX. When I pressed, the agent, she was unable to clearly answer what date was " too early, '' but told me they would waive the original late fee. I asked for the subsequent one to be waived as well and, after speaking with a supervisor, she said she could do that. She advised me to pay the {$94.00} that was still showing as outstanding ( since the installment payment I had made went to principal ), and I agreed to do that right away, and made a payment on my TD account website that night. When I checked my account again a couple of days later, it still showed that I owed {$62.00}. I sent a message on XX/XX/XXXX through the TD account website, and received a message back saying that a {$38.00} late fee was being reversed for me as a one-time courtesy and that I should allow one billing cycle for it to show. I was concerned that I was going to be assessed yet another late fee so, on XX/XX/XXXX, I made a payment of {$62.00} to try to XXXX out whatever was going on with the account. I then also made my usual {$94.00} installment payment on XX/XX/XXXX. However, when I looked at my account today, I have been assessed two more late fees - one on XX/XX/XXXX, and one on XX/XX/XXXX, both for {$38.00}. At this point, I have made not only an extra {$94.00} payment, but have also paid {$62.00} in late fees that should NEVER have been assessed, since the only thing I ever did " wrong '' was make a payment too soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a XXXX account in XXXX thats is still NOT being reported on my XXXX and Equifax Profiles. I have made multiple phone calls and mailed certified letters as well. Please help me get this information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Account information incorrect

Complaint:
I have never paid late in XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX Account. However there are multiple inaccuracies when I recently checked my credit reports across all three bureaus. On my most recent XXXX credit report, it states that I was late in XX/XX/XXXX and XX/XX/XXXX. It also states my status as current and paid as agreed. It does not state that i was past due nor have I ever paid late on those months. It also states that my most recent payment was XX/XX/XXXX. On my most recent XXXX credit report, it states that I am current but also states that I was late on XX/XX/XXXX and XX/XX/XXXX. Then on my most recent Equifax report, it shows that I was on time in XX/XX/XXXX but 60 days late in XX/XX/XXXX. How can I be 30 days late on two credit reports and current on another credit report. How can I be current on one credit report yet the next month is 60 days late when there is no evidence of being 30 days late. How can I be current and past due on the same report? Please explain to me where you are getting this information from as these are all inaccuracies on my credit file for this XXXX XXXX account. As the credit bureau reporting this information, it is your responsibility to ensure maximum possible accuracy, which you have not. I have a right to fair and accurate credit as protected by the FCRA and you have violated my rights by continuing to report blatant inaccuracies across my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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 am attaching a document that has screen images and describes my three complaints. 

Complains 1 deals with an erroneous charge showed up on my account statement from Synchrony Bank this month. Syncrhony refuses to accept my request to dispute the charge. My only option according to their customer service representative is to report it as a fraudulent charge. I believe the charge is an error by Synchrony. I called Amazon.com and spoke with a customer service representative and they have no such transaction in their records. 

Complaint 2 deals with Syncrhony not providing on the statements a way to reference charges for Amazon purchases. They provide an erroneous transaction type of number that is not available in the Amazon system - at least to customers. Sometimes transactions/orders are split up and this can make it impossible to verify amounts. Indeed, had this type of system been available for this current dispute it would have provided a tool to try to understand what happened. 

Complaint 3 deals with the fact that Synchrony has its chat option activated but it is clearly unavailable. I understand this because of the pandemic, but what is unacceptable is that it still forces customers to go through a number of steps only to find this out.

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 2020-04-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was a customer of checksmart in XXXX XXXX, ohio and i am outraged at that company i only took out a loan for {$400.00}, And every month there are weird fees that i did not agree to. 
There is something majorly financially wrong with that. 

I was in accidents on my XXXX  job, and i feel they are discriminating against me due to XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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  has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have never paid late in XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX Account. However there are multiple inaccuracies when I recently checked my credit reports across all three bureaus. On my most recent XXXX credit report, it states that I was late in XX/XX/XXXX and XX/XX/XXXX. It also states my status as current and paid as agreed. It does not state that i was past due nor have I ever paid late on those months. It also states that my most recent payment was XX/XX/XXXX. On my most recent Experian credit report, it states that I am current but also states that I was late on XX/XX/XXXX and XX/XX/XXXX. Then on my most recent XXXX report, it shows that I was on time in XX/XX/XXXX but 60 days late in XX/XX/XXXX. How can I be 30 days late on two credit reports and current on another credit report. How can I be current on one credit report yet the next month is 60 days late when there is no evidence of being 30 days late. How can I be current and past due on the same report? Please explain to me where you are getting this information from as these are all inaccuracies on my credit file for this XXXX XXXX account. As the credit bureau reporting this information, it is your responsibility to ensure maximum possible accuracy, which you have not. I have a right to fair and accurate credit as protected by the FCRA and you have violated my rights by continuing to report blatant inaccuracies across my credit files.

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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
transunion is reporting an incorrect last payment date on my XXXX  XXXX bank loan XXXX i have disputed this SEVERAL times but never received a response from capital one nor a decision on my dispute nor is the error fixed. 

please see my internal email tracking file " transunion email status '' i shows that i submitted the most recent disputes on this matter on XX/XX/XXXX and XX/XX/XXXX. the fair credit reporting act requires transunion to remove this entire record from my file as XXXX XXXX violated the " 30 day '' rule on responding to a dispute. the XX/XX/XXXX dispute is over six weeks - plenty of time for them to have reacted to my written and online dispute to this error. 

on their own credit report ( see attached file " 6 years of tu reporting payment ... '' you will see documentation that the LAST reported ( for years of reporting ) payment was made on XX/XX/XXXX not XXXX XXXX i pointed out several times that the XX/XX/XXXX date represents the first time the acct went over 90 days late - not the last payment date. tu 's own report demonstrates that this fact. 

transunion needs to remove this entire account from my file as the last payment date still remains in error. 

i expect transunion to adhere to the laws of the fair credit reporting act and take the mandated action.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified account listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX {$95.00}.

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 non-monetary relief
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX  XXXX XXXX account number XXXX XXXX  XXXX  account number XXXX XXXX XXXX XXXX XXXX} account number XXXX XXXX XXXX XXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per FTC

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 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: AMERICAN EXPRESS COMPANY
State: TX
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 balance transfer

Complaint:
In XX/XX/XXXX, I made a {$4400.00} payment to American Express ( AMEX ) via a convenience check on my XXXX XXXX ( XXXX ) credit card. Basically, I did a balance transfer of {$4400.00} from AMEX to XXXX. AMEX received the check and applied the credit to my XX/XX/XXXX statement ; meanwhile XXXX added the {$4400.00} to the balance owed on my credit card with them. Shortly thereafter, by XX/XX/XXXX, I paid off the XXXX credit card in full, which included the {$4400.00}, and I closed the XXXX credit card account. Now, in XX/XX/XXXX, 6 months later, AMEX applies {$4400.00} to my statement balance, claiming that the convenience check from XX/XX/XXXX was returned unpaid by XXXX XXXX. I never received any type of refund from XXXX, and they insist that the payment was made to AMEX. I disputed the amount with AMEX several times, sending them XXXX statements and documents showing that the amount was paid, yet AMEX still claims that I owe them the {$4400.00}. On three separate occasions I requested documents from AMEX showing that the payment was returned to XXXX, and AMEX has not yet provided any documents even though they promised to. I don't know what else to do, or who to turn to for help with this issue, please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified account listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX {$95.00}.

Company response to consumer: Closed with explanation