BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: CA
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:
I called your department after I purchased a credit report with Experian.com on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative charge off on my credit report. This is disappointing because I has been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXXXXXX XXXX XXXX. 
Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2020-12-19
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Never The application before their system timed out when I went back in to login it had a denial for {$200.00} loan that I did not request I spoke with someone at the company does telling me they dont know how to fix it the system was asking me for baking information I never submitted the application so how can they go forward

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Synovus Bank
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My complaint about SYNOVUS Bank as follows, I own a gas station known as XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX GA XXXX. I financed this business through SYNOVUS in XXXX, I had an interest rate of 3.5 % around XXXX the interest rate went up to 5.5 % and it remained the same until XX/XX/XXXX. 
During the pandemic I kept the business running so people could get gas for their car and other necessities, I had no employees because no one wanted to work in a retail environment, it goes without saying how much difficulties I was facing physically and financially but I had no choice but to keep the store open. While sports teams like the XXXX XXXXXXXX and high-end eateries like XXXX XXXX XXXX were getting SMB disaster and PPT loans, I was having no luck. 
Meanwhile my loan with SYNOVUS was up for renewal in XX/XX/XXXX, suffering from a down trend in business I have asked the bank to lower the interest rate so that my payment would be reduced which would be a big help for the business financially and ensure we can remain open and running. After asking for interest reduction what transpired was unbelievable, to this day I am in disbelief that banks can act the way they acted with me. I am going to describe this situation in brief. 
After I had requested an interest reduction, the bank started to send me to different loan officers, and I was getting nowhere, finally a loan officer told me I needed to go to their Branch and sign renewal documents ASAP otherwise the bank would put my property on Auction. So being afraid of losing my business I went ahead and signed the document paying double to triple amounts of money for Inspection, document fees, i.e. For your information, in 13 years I was never late with my mortgage payment, I had no non-compliance issues, all in all I had an impeccable history with the bank. After lodging a written complaint with the banks executive office, I got an email from Mr. XXXX XXXX XXXX who claimed to be the General Council for the bank, I had a few email exchanges with this gentleman but so far, I am not aware of any action bank took to address this unethical and unprofessional behavior by one of their employees.

I contend I was discriminated as a minority business owner and this was a predatory lending practice by SYNOVUS, therefore I urge you to look into this matter and take necessary actions and ask them to compensate me for my loss and adjust the interest rate to current market rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debts stated dates I didn't attempt to open accounts. I didn't apply for accounts on specific date 's with companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a credit card from XXXX XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Colony Brands, Inc.
State: PA
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 made a purchase from Ginny 's using another credit card. Ginny 's created two orders charging my credit card for one order and opening a new credit card account with them without my permission, charging that card for the same exact order as well. I was double charged. I believe the representative purposefully opened a credit card in my name to get credit for opening a charge account. Ginny 's fraudulently opened a charge card in my name without my permission. My order was paid. I specifically asked the representative not to open a charge in my name when she asked me. Yet she did it anyway. I have received partial shipment for the order I requested and no items for the double billing. I've tried three times to get credit for the double billing and close the card to no avail. I did speak to two reps, but was put on hold for a long period of time without resolution. The order number to be credited is XXXX. The original order charged to my other credit card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Affirm Holdings, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Primary Concern : CREDIT REPORTED as DELINQUENT by AFFIRM to XXXX Installment loan : XXXX ( {$250.00} ) I have been using AFFIRM for quite sometime and I was able to pay them until the pandemic struck. I struggled juggling my finances and had to make necessary options until I can get back on my feet. 

With this, I established a communication with AFFIRM, expressing my concerns like late payment options and other specifics like which account would lead into reporting to the credit bureaus. I made several calls back in XXXX of XXXX and other follow up calls on XX/XX/2022 wherein I was able to talk to a number of representatives and supervisors. In this call, I specifically asked if what accounts would be reported to the credit bureau because I am afraid that I would not be able to pay all of my loans at once during their deadlines, and instead, I need to prioritize the account or accounts that is imperative for reporting. I was told that ONLY one account is subject for reporting and I am aware of that already. I asked not just once, not even twice but various times just to be aware of what I will be expecting. 

I reached out to them with all the good intentions and in good faith because I still want to continue using AFFIRM. I have laid down my concerns and I believe that it also important of them to work with the customers given the impact brought about by the global pandemic. I continued to pay and tried my best to catch up specifically the one account that I'm aware for reporting, since I know what damage it could do to my credit report. 

However, just recently, there was another account reported to my XXXX, it was tagged as delinquent and I was horrified since this particular account was not meant to be reported since I have asked various time about this concern. 

I immediately sought for their help, asking them any option for this report to be removed because it was deceitful of them to say that only one account is for reporting and I took those words seriously and all they were saying was, they're sorry for the miscommunication but they can not do anything about it. 

As a customer, we rely so much on customer service representatives or anything that directs us to a REAL PERSON, in this case, they have proven that it's okay for their representatives to make mistakes, to feed misinformation and they will not own anything because in the end, they do not care about their customers, only the money. 

My ultimate issue here is their inability to investigate properly, and shrugged off my plead from the beginning to meet in the middle just for this delinquency to be removed. They fed me with misinformation and they refused to work with me. 

I have proof of e mails that I have communicated with them and I also believe that all calls were recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Fraud on my checking account. Aware of this at XXXX XXXX today, suspicious check clearing my account. Called the 1-800 # and they moved to close my account but actually changed the account number. The agent scheduled an in-branch appointment for me for the next Business Day which is 4 days out ( holiday ). 

No reference number was given for my fraudulent inquiry. Now as I follow up with my account I do not have access to my fraud account information. I have no idea if there's a filed complaint or fraud complaint for my funds of {$2400.00} leaving my account. 

I went into the branch for in-person help. No luck, all they can do is to call the same number that I called. No additional assistance at all. Waste of time. 

Phoned the 1-800 # again asking for assistance to make sure that a fraud case or file has been opened. Without a reference number I can not get any information, ZERO! This is my account, my funds going missing. 

Wells Fargo failed to provide me with a fraud case or reference number. They have blocked me out of my account information regarding the fraudulent check clearing my account for {$2400.00}. I want action on this immediately. 

Thank you. 
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 explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: MI
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 copy of my credit report and found the a lot of items to be reporting WRONG! on XX/XX/XXXX I sent dispute Letters out to XXXX, XXXX and Experian to Remove the XXXX XXXX XXXX reporting on my credit report. 

The copy I received of my credit report had the following item ( s ) to be in error that I believe is a mistaken Identity error with a XXXX showing Case XXXX that I want removed from my credit report. 

Also I notice inquires that was not authorized by XXXX XXXX on XX/XX/XXXX. 
a inquiry that was not authorized by XXXX XXXX on XXXX/XXXX/XXXX, a inquiry that was not authorized again by XXXX on XX/XX/XXXX on XX/XX/XXXX I sent out another letter because I didn't get a response and I was in total disagreement with their investigation response. The incorrect items listed above still appear on my credit report, even after their investigation I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

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 2020-12-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a TJX credit card that was lost/stolen in my area and someone used it but I only had a credit line of about {$1200.00} and this person was able to spend {$3000.00} on my card and not once did I get a call from credit card asking if I had been making the charges nor was I aware that they raised my credit line to about {$3200.00} without my permission or knowledge. I have disputed it multiple times and the last time they told me to file a police report which I did and sent to them and then I get a letter stating I am liable still even after filing the report. I did not benefit from this and I want it to be removed from balance and I have felt obligated to make payments so they dont ruin my credit but in no way am I admitting fault by making these payments and I want a refund of the overpayment when this is reversed in my favor because they claim I have a 0 % liability but they are not doing anything.

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 2019-02-11
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received a denial letter on XXXX XXXX, 2019, from Ally Bank for a car loan, due to information supplied by XXXX credit reporting bureau. The credit score they supplied for me was 70 points below the other 3 reporting agencies. My husband 's score was 110 points lower than the other 3 agencies. I have no idea who this company is or how they are authorized to report on my credit status. From the information I have Ally Bank is the only Bank using this company. They are definitely not using the industry standard for Credt Scores. They have made up their own numbers ( XXXX ) and they are affecting my credit score and my ability to get credit. They also listed something about not having my phone number long enough. I have had the same phone number for 40 years. How can I stop them from lowering my credit score that we have worked the last 40 years to establish?

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 2022-07-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I havent used my card since XX/XX/XXXX XXXX.I login to my online bank account on XX/XX/XXXX and discovered that my card was stolen. When I knew my bank had been compromised, I called in to lock up my account, but they only asked me for my name and dieb card number, nobody asking my social security number or my phone 's verification code. It was a very big mistake by the bank and I think that's how my account was stolen I never applied a card replacement nor received a new card. I've had strange phone numbers in my bank account that I didn't know existed. I have never spent any money in the XXXX XXXX in XXXX The thief deposited the checks stolen from others into my account and then withdrew it afterward. I dont know why the thief could take away {$9500.00}. My driver license ( ID ) has never been lost. When I found out that my identity was stolen, I called the bank and said that the check deposited was not my deposit. I go to the police officer on XX/XX/XXXX to report this case. Right now they close the money XXXX XXXX.but they didnt refund XXXX XXXX one is XXXX XXXXand another $ XXXXand ATM $ XXXXthen Chase bank took about {$4200.00} from my wife 's personal account .I still lost total {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I'm running into issues that appear to be blatant credit discrimination. I am a XXXX  with several student loans open, however at this time none of them are in default and have not been in years. I owe around {$2500.00} max in personal debt and medical bills. And the credit bereaus have my credit aged at being a little over a year old, however have debts piling against me for years that extend way beyond that. And they don't mind pending that debt against me, but won't factor the debt into my credit age. XXXX?? And I was on track and doing well prior to COVID when I was furloughed from my job and missed a few payments as a result. Well my credit score has dropped approximately 30 points in the last year as a result of the pandemic. And the only explanation I keep receiving is my loans which were in default a few years ago, that I have paid my dues on through going through administrative wage garnishment and counseling is still tanking your score. Not to mention, that I've worked hard sending in extra payments to my auto financing company to try to stay ahead and to no avail they keep reporting me as being behind which dropped my score another 19 points. Needless to say I inquired about buying a house and all of a sudden everything that is missed even if it's only been a few days drastically drops my credit score, however when I make other payments on time it doesn't bring my score up any maybe by 3 points. If missing payments drops my score by 19 points, how come when I pay on time there's little change to increase my score??

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 2021-04-30
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/21 Merchant as Professional collection, amount {$290.00} and {$170.00} violated my hippa without consent by sending procedures and personal labs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX Collection Agency Name : XXXX XXXX  Collection Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  In accordance with 15 USC 1692g , I, XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. 
The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. 
I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief