BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-18
Company: DISCOVER BANK
State: CA
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 try reaching out to Discover credit let them know that I did not receive services company called XXXX XXXX.There was a charge like {$360.00} that I disputed twice and so Discover is saying they are not going to dispute.The company sent Discover credit card some fraudulent paper stating that all sales are final but no services were ever performed.I submitted a dispute with CFPB about this issues with XXXX  XXXX how they are making racial slurs and cursing at me over the phone.They pretty much took my money keep changing the phone numbers somewhere in the XXXX .I spoke to some name XXXX in the dispute department and she is giving me runarounds after I explained what going but keep insisting they are not going dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good Afternoon, I went to make a purchase with one of my credit cards that was issued by Synchrony bank and it was denied. I called the number on the back of my card and a customer service rep stated that my account was CLOSED. I asked why and they stated that I will receive a letter with 5-7 business days. So got me thinking about my other cards that I have through them and started calling and All of them stated that my account was CLOSED. I have been a customer of theirs for 4 plus years with no issues. I did carry several credit cards with them, most with XXXX balance, always paid on time, never went over or even close to my credit limit, always paid way more then minimum due. My credit was not great when first started with them due to job loss but I was determined to improve my credit rating. Most of the cards started out with little available credit and as I got established with them, they kept increasing my credit limits as well as giving me more credit cards. I have been an exceptional customer since I started using them and now within a day all my hard work gone!! At one point one of the reps told me to contact Transunion because that was the nail in the coffin due to my credit rating going down. Yes, I have been using more credit due to the pandemic but again nothing crazy and it was not even close to what I had available to me and again always pay my bills. I just think is fair that they can treat people this way. They could of decreased my credit limits first as a warning but instead they kept increasing credit limit the BAM accounts closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021 HSBC BANK USA N.A decreased the credit limit to {$1900.00}. On XX/XX/2021 the credit card balance was paid in full by balance transfer. HSBC decreased the credit limit twice within one year. This credit account has always been paid as agreed. HSBC reported the decreased credit limit to the credit bureaus causing a negative impact to my fico credit score. HSBC mailed a letter listing false reasons for the credit decrease. There is a bankruptcy filing that has appeared on my credit history during the origination of this credit card account. This is Bad Business practices by HSBC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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: Account status incorrect

Complaint:
Experian failed to conduct a proper investigation and correct the items on my credit report. According to the FCRA if items are not reporting accurately across all three credit bureaus then the items must be removed from the credit report and no longer reported. 

The following errors continue to report for XXXX XXXX : Account # : 2 different account # s are being reported for XXXX  and EX and no account # for XXXX. How is this being reported accurately? 
Account Status : EX still reports account open when XXXX and XXXX report the account derogatory. How is this information accurate? 
Date of Last Activity : EX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and XXXX  reports XX/XX/XXXX. How is this account reporting accurately with 3 different dates of last activity? 
Date of last payment : EX  and XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX, but according to payment history for EX the last payment reported was in XX/XX/XXXX and the last payment reported for XXXX was in XX/XX/XXXX with positive payment history from XX/XX/XXXX to XXXX.In addition there is no payment history reported for XXXX to reflect last payment or date of last activity. How is it that this account is being reported accurately? 

For Chapter 7 Bankruptcy the following errors reported : XXXX reports U.S. Bankruptcy Court without City and State, EX reports US BKPT CT GA XXXX which should not have abbreviations in the court name, XXXX reports Federal as the court name which is invalid. How is this Chapter XX/XX/XXXXBankruptcy being reported accurately with three different court names that are invalid and inaccurate? 

My personal identification, XX/XX/XXXX dispute letter and XX/XX/XXXX credit report with comments in word document has been provided. This is factual based information that has been pulled from EX, XXXX, and 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 2020-08-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports

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 2018-07-07
Company: American First Finance, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
American First Finance called me in XX/XX/2018. I explain to them I would make a payment on in the first week in XX/XX/2018. I made a payment of XXXX. I was ask to give them a date I could make my next payment. I wasn't able to give them a date. I asked them to not go in my banking account to try to take money out of my account I don't have in my account and every time you all go in my account. I'm charge with a XXXX fee. On XX/XX/XXXX I receive another call about remaining balance. I explain to the agent. I spoke to someone already about the remaining balance I owe and it should be documented in the file. I asked her to please stop calling me. I'm going to pay you all your money. I will give you a call when I get the money. The agent stated we going to keep calling you and you have a bless day and hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
This is a dispute of false account # XXXX. Please explain the following inaccuracies in violation of credit reporting and collection laws : 1. The highest balance on XXXX XXXX-XX/XX/2016 statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. Last, but most important - address on the statements ( XXXX, XX/XX/XXXX ) is not my address. My address is in XX/XX/XXXX and previous address in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: Collection Management Holdings, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received Two Telephone calls from the # XXXX, and Voicemails, from a Debt Collector, " Credit Management Co. '', on XX/XX/2020 and XX/XX/2020. They haven't explained, the Creditor 's information. 
I contacted them, on same days. They did not release any information, about the Creditor and Questioned my Personal informations. 
I did not release any information except my name. Because of Fraudulent activities which I have victimized, as a result of Data Breached, by " XXXX  Credit Management '' and " XXXX '' Transporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Today, XX/XX/2018 a transaction from XXXX was made by my nephew. I allowed my XXXX year old nephew to do the transaction with his gift card, but not with my chase account. Once I saw my online account and saw the transaction I called to cancel the payment. XXXX, the customer representative that I called allowed me to cancel my payment, and from there he forwarded me to another customer representative for questions. However, when he forwarded me to the other customer representative she made a huge deal. I was answering her questions and she said that the best would be to charge my nephew. I told her that how can I charge my nephew, which is only XXXX years old? He is not even an adult. If I'm calling to cancel the transaction they usually ask me the questions and then they cancel it. 

During this situation, the lady said I had to show them proofs of my transaction that it was with a gift card. I told her that I had the gift card on hand with me, but she forcibly wanted transaction proofs from the gift card. In which I had explained her my situation but she kept insisting on charging my XXXX year old nephew. I told that how is that possible if he is under age? Why can't they cancel my transaction and from there it will cancel any XXXX items my nephew bought. However, she said that she couldn't cancel it just like that because that would be a loss for the business, in which I asked how would that be a lost if XXXX/XXXX would return them back the money and cancel any games my nephew bought making him not to have access to them. When I told her that she told me it would be a loss for chase. 

Afterwards, she told me she can process the claim, but that if I didn't send them any proofs within 10 days then they would have to charge my card back for that amount. I never had a situation like this before, so I don't know why they are doing this now. They should have different alternatives to actually deal with a situation like this but she kept insisting for me to charge my XXXX year old nephew if I didn't have any proofs. I have the proofs of the transaction on my bank account, so why ask me for proofs on the gift card being used when they had never done anything like that before. 

Honestly, I was shocked with this situation because I never had any trouble disputing a transaction with Chase. I felt that the lady was looking out for the business loss instead of just doing the usual process and give me my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
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:
XXXX has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to XXXX  by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The law states under 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.

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 2018-10-01
Company: Penn Credit Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
COLLECTOR FAILED TO CEASE AND DESIST COLLECTION EFFORTS FOR CONTY TAX BILL DATED XX/XX/XXXX. THE S.O.L EXPIRED ON XX/XX/XXXX. CEASE COMMUNICATIONS OR BE SUED IN CLASS ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 there was an unverify entry on my credit report. I have previously sent letters by mail to verify the validity bof this information on my credit reports. 
I tried to settle this account even without verification but company refuses to remove unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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:
I have been battling XXXX XXXX XXXX XXXX XXXX  and Equifax Information Services LLC for over 30 days on the issue of inaccurate accounts being reported. Now they are asking for my permission to allow them to get a third party involved, which makes no sense, on top of them still continuing to report inaccuracies while they try to verify the validity of said inaccuracies. According to the Fair Credit Reporting Act, section 609, ( a ) 1 ( A ), you are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report ( BEFORE REPORTING ). Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: MS
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 am writing this due to non-compliance with the XXXX XXXX, Experian, XXXX  XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past .These details include inquiries that I have not authorized. This is affecting my credit in a negative way and I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2018-07-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I am filling this complaint agains XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX TX and Attorney XXXX XXXX. They are suing me for a debt for {$2900.00} for a debt that is not mine. I being serve 2 time in my house & 3 time by mail for the same debt ( cause no. XXXX XXXX ). The harassment does not ending. I mail them at the address above the following I provided them with copies of my 3 credit reports from the mayor credit companies which clearly show that there is & never being collections, late payments or nothing negative in my credit reports. I provident with copies of my XXXX going back 20 year of my military carrier showing the that my SSN is not the one they are looking for. Copies of my last 3 security clearance going back 15 year ( in my line of work I can not have credit problems or I be dismissed ). The name of 12 persons in my area that have my same name or a variation of my name. They dont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, 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:
XXXX has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to XXXX by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: AES/PHEAA
State: AZ
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:
Fed Loans reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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: Personal information incorrect

Complaint:
My credit report has an address on there that does not belong to me. I've spoken to an agent three times and also sent a fax requesting the correction to be rectified three time on XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/2018 along with document of my driver license and social security card and yet the information has yet to be corrected. In fact, the correct address was deleted and the incorrect addressed remained after the first fax request which prompt me to send out additional request for the correction. After speaking to 3 different agents along with sending 3 fax request you would think the information would be rectified promptly!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX  have all my credit report mess up, all information is incorrect, i call tooo many time i have not anwer, account missing, wrong information ect. I HAVE A XXXX XXXX  CARD SO THEY REFUSE TO UPDATE THE INFORMATION, CREDIT CARD NUMBER # XXXX, XXXX XXXX ACCOUNT # XXXX This account is missing from my report.

Company response to consumer: Closed with explanation