BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I XXXX XXXX, a real person, called Equifax. I was directed to the their XXXX XXXX. I expressed they were reporting inaccurate information on my credit profile. The dispute was regarding my credit card from XXXX  XXXX XXXX. The account # XXXX for the late payments. She gave me the confirmation for this dispute as # XXXX. XXXX XXXX stated I had been late in the past on my car payments and that she could proceed with the dispute but it will not guarantee it will be removed. Well I am now aware of my rights and this is a clear violation under the FCRA, under 15 U.S. Code 1666b ( a ). This law states : Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor ( ME ) has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A credit card is defined under 15 U.S. Code 1681a means ANY CARD, PLATE, COUPON BOOK, or either credit device existing for the purpose of obtaining money, property, labor, or services on credit. I had to give my SOCIAL SECURITY CARD to proceed with this extension of credit, which is a CARD in fact. Please remove this inaccurate information as it it damaging my credit worthiness to lenders, as I am in the process of purchasing a home. If this is not removed, I will seek remedy under 15 USC 1681n for damaging my credit profile. We all know what I can sue for so just delete the items. I would also like a letter stating it was deleted and it be sent to the correspondences to email : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern, I have tried over and over again to get accounts removed from my credit file that do not belong to me and in addition was not opened by me. I need your help in getting these items removed from my credit file : The following items are not mine : XXXX/XXXX  - Bal : {$0.00} on ( TU XXXX XXXX XXXX and {$2100.00} XXXX/XXXX - Bal XXXX {$0.00} XXXX TU & XXXX XXXX XXXX Bank XXXX XXXX XXXX {$16000.00} ( XXXX & XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Bal XXXX {$2200.00} ( TU & XXXX ) XXXX XXXX  - {$8700.00} XXXX TU, XXXX, XXXX ) XXXX XXXX  XXXX {$2200.00} 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 2021-04-30
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I called Chase bank 's credit card department to inquire about the credit line increase, the representative asked about my income and some personal debts, then my credit line was up instantly from {$6000.00} to {$9000.00}. but I did not get disclosed there was a hard inquiry on my credit. The Chase Bank already admitted its representative 's fault, but refuse to correct this action, see details in the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I pay my balance in full every time I make a purchase using the banana republic synchrony Visa card. I had been issued a new card and the card number had changed months ago but I did not realize it would require a new entry in my online banking bill pay. I paid the balance as I always did and since I never received a paper bill or an electronic bill I assumed everything was fine. 

Weeks later, I start receiving delinquency notices via email. I called Synchrony to see what was wrong and they told me the balance was applied to the wrong card ; a card that had expired over a year ago. They assured me the payment would be reflected on my current balance and to be patient as it may take up to 10 business days. What went on after that was very frustrating. I make calls each week to follow up on the status with the representatives telling me it would be taken care of this time. I finally got so frustrated after about 2 months of dealing with them that I paid the bill again over the phone just to make the emails and phone calls stop. I still have not received any update about the payment made to the older card even though it was paid twice. 

I have since closed my account and will not do business with synchrony again.

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 2021-09-09
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:
I contacted you all back in XXXX about some things I saw on my credit that is not mine and has asked for it to be removed. Some did come off except XXXX XXXX XXXX. Please help me with this as Im doing this by myself and need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: 1st Franklin Financial Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
1st Franklin Financial Corporation of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ga XXXX filed a lawsuit against me after sending notices to an incorrect residential address that I do not and have never resided at, as well as having the lawsuit filed against me include the same incorrect residential address. This incorrect residential address was also reported to all three credit bureaus and has caused my credit score to drop significantly due to not being properly notified prior to filing the lawsuit. I also have proof of 1st Franklin Financial Corporation of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ga XXXX having knowledge of my correct residential address due to a letter of acceptance of a loan being sent to my correct residential address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX opened XX/XX/16, {$610.00} XXXX XXXX XXXX, {$3700.00} XXXX XXXX XXXX {$9800.00} These collection accounts do not belong to me.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to XXXX and Experian after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course XXXX couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards

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 2023-03-20
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} 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

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 2020-05-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccuracies on all three Credit Bureaus on date of last payment and not reporting accurate information. Information is pulled from credit reports on XX/XX/20 from all credit bureau 's. XXXX, XXXX  and Experian for XXXX XXXX listed as XXXX XXXX XXXX. Loan has been payed off and Experian who last reported in XXXX still has not updated the accurate information.

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 2023-11-07
Company: FC HoldCo LLC
State: HI
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 have not given permission to three companies to pull my credit report on XX/XX/2023 XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Finance ) FLAGSHIP CREDIT ACCEPTAN ( Finance )

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 2023-04-19
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
Dear Creditor, I am writing to dispute the validity of a debt that is listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to request that you provide me with validation of this debt. 

Under the FCRA, creditors are required to report accurate information about a consumer 's credit history. Inaccurate information, such as the reporting of a debt that is not mine, is a violation of my rights under the FCRA. 

I demand that you take immediate action to investigate the accuracy of this debt and provide me with validation of the debt. Failure to do so will result in legal action to enforce my rights under the FCRA. 

Furthermore, I demand that you remove any negative information related to this debt from my credit report until the debt has been validated as accurate. Failure to do so will also be a violation of my rights under the FCRA. 

I look forward to your prompt response to this matter. Please note that I expect a written response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: GOLDMAN SACHS BANK USA
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a XXXX XXXX, and did a balance transfer from My Goldman sachs-Apple Card, for XXXX dollars, i checked with XXXX, and they said they sent a check which actually they did a wire transfer, Goldman sachs has never credited that to my account, which i did close because of this mess, XXXX gave the electronic tracking number and said goldman sachs XXXXapple XXXX it, I talked to Goldman and they said they didnt allow balance transfers on apple card and would return the money to XXXX, I talked to XXXX  and they sent me about XXXX dollars to pay off account, they sent it to my credit union and then i paid off Goldman Sachs, XXXXapple XXXX XXXX is now charging me for both transfers, Goldman Sachs -Apple needs to credit XXXX for XXXX XXXX, XXXX  said that Goldman refuses to talk to them because they are a third party, i have talked numerous times with Goldman and gotten nowhere, XXXX did respond to CFPB so case was closed, Goldman Sachs XXXXApple card did not so the original case against XXXX and Goldman Sachs should not of been closed XXXX the original case is XXXX, please get Goldman to refund the XXXX back to XXXX, as i am out that money and having to pay it to XXXX, i dont believe Goldman Sachs Apple card was ever notified, and they wont cooperate with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
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: Information belongs to someone else

Complaint:
This is my second 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 alleged fraud or extortion.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 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

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 2020-12-22
Company: Upstart Holdings, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I needed a loan so I saw a loan company on XXXX XXXX I applied to upstart for {$35000.00} I was approved online they charged a origination fee of $ 2500+ and deposited the balance of {$32000.00} into my checking I ask for paperwork on loan interest rate was told there isnt any I was to make 60 payments at {$940.00} after 60 CV payment I would have paid $ XXXX th iui d to me is outrageous interest it's been 24 payments I still owe, $ XXXX I feel they took advantage of me with the loan interest and not emailing me any paperwork for my file I feel this is discriminatory because I'm XXXX XXXX. How can I get help with this loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a Chase Mortgage on Friday XX/XX/XXXX for a closing XX/XX/XXXX. Our mortgage advisor XXXX XXXX assured us we were well qualified and would have no problem with an on time close. We submitted all documents initially requested within one business day, and then we had no further document requests for weeks. 

After several weeks with no action from chase, i emailed asking for an update and our mortgage advisor apologized to us in an email for in his words a severe breakdown in the mortgage underwriting process. XXXX advised us he expected loan approval the next morning XX/XX/XXXX. That afternoon of the day he told us to expect approval, XXXX emailed us document requests and today XX/XX/XXXX, one week before our scheduled close, our advisor XXXX informed us Chase was unable to meet our closing. 

XXXX misled us throughout the process telling us to expect no problems with the timeline or approval and Chase failed to meet their responsibilities on their side of their lending process. Chase failed to close on time despite assurances. Our own mortgage advisor acknowledged and apologized for their severe breakdown in process leading them to be unable to provide the loan on time and forcing us to pay cash to close.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Block these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
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: Public record information inaccurate

Complaint:
In or around XX/XX/2021 I requested an investigation of the inaccurate information concerning my credit file to all credit bureaus. The request was to provide the source of who reported bankruptcy/dismissal of bankruptcy on my credit file. Within 30 days the credit bureaus have failed to comply with the request of the inaccurate information. Therefore the public records inaccurate should be deleted/removed. 
I have never filed for bankruptcy and only XXXX deleted/removed the inaccuracies from my credit file. 
Please have this incorrect information bankruptcy/ dismissal of bankruptcy deleted/removed from my credit file within a 10 day period. Or I will seek monetary relief.

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