BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last month I was notified by Synchrony Bank that my credit limit on my XXXX XXXX Credit Card was going down. I have never missed a payment and made above the minimum payments about 99 % of the time. There was no reason to reduce my credit line. They claim items on my credit report caused this but that is simply unfair. Credit line reductions can cause major problems for people trying to buy houses or financing a vehicle or getting business loans. This has caused that card to go to almost 100 % utilization which will lower my score and cause a domino effect. There needs to be a law that requires these credit card companies to need a solid reason to do this other than " what's on the credit report '' as it can cause a lot of damage. I have never missed a payment on anything on my credit report which makes this frustrating. I contacted them and they said I'd need to apply for an increase which I can't get because them reducing this caused my score to go down. It's completely unacceptable behavior and they are doing it because of the pandemic and trying to mitigate their losses if people default which I don't plan to do or see the need to do.

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 2018-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- -XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- -XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX   -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- -XX/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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 returned my XXXX at the end of XXXX. When I tried to refinance My mortgage, I checked my Credit and saw that XXXX had been reporting my payments delinquent XXXX, XXXX ... ... :. Till XXXX. I called at least 6 times and sent letters. They cleared it but still reporting XXXX and XXXX as unpaid. Im on the phone now with them and the woman said there is no one who can help me. She is so sorry!

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 2021-07-17
Company: EQUIFAX, INC.
State: MS
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:
EQUIFAX CONTINUES TO GIVE MY CREDIT SCORE A LOW SCORE. SO LOW THEY ARE AT LEAST 100 POINTS DIFFER THAN THE OTHER 2. WITH POSITIVE REPORTS FROM CREDITORS MY SCORE SHOULD BE GOING UP EACH MONTH AS THE OTHER 2 REPORTING AGENCIES ARE GOING UP BUT NOT EQUIFAX IT STAYS THE SAME. IT SAYS YOUR DOING A GOOD JOB ON YOUR CREDIT ON MY PAGE BUT THE SCORE STAYS THE SAME. DISCRIMINATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Since XX/XX/2021 an investigation has not been opened for XXXX XXXX, XXXX XXXX  and XXXX XXXX. Also, a unknown account is listed with Equifax with account XXXX with NO ORGINAL CREDITOR LISTED, how am I suppose to know who this is this needs to be removed immediately. At this point being that an investigation has not been opened and my disputes is steady going unrecognized it has passed the timeframe and now needs to be removed you are clearly violating FCRA guidelines with tiimeframe to investigate and reporting inaccurate, erroneous information. Attached is proof of the disputes that were sent in along with proof of my identity. Please consider this my written authorization. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Nearly a month after closing the account BMO Harris sent a cashiers check to me. I tried to cash this check at two locations that deal with cashing checks. Both of these places said the check could not be verified even after calling BMOHarris. 
I then tried to deposit this online to my bank they replied that they could not cash this check and that I should check with the person that issued the check. 
BMOHarris people have not called me back and I have called at least three different people. I was told Id be called back within an hour and that never happened. 
Once I wrote on the back of the check that it was for electronic deposit to my bank, no other check-cashing service will touch this check now.

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 2020-08-19
Company: Freedom Mortgage Company
State: UT
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:
In XXXX of XXXX Freedom Mortgage lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at Freedom Mortgage but was never processed. When we discovered our payment had not cleared the XXXX XXXX my wife call Freedom Mortgage. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with Freedom Mortgage : 1. 13 phone calls with dates and names of Freedom Mortgage representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing Freedom Mortgage has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was XXXX we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX XXXX XXXX was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other Freedom Mortgage customers aren't put through what we have been through. Please help!!!

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 2020-06-29
Company: CORELOGIC INC
State: MO
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 received a credit score disclosure from Corelogic Credco The information on the disclosure that they claim to have received from the three credit reporting agencies is incorrect. XXXX  XXXX XXXX XXXX   show erroneous information. I have included in this correspondence a copy of credit report from XXXX  that I obtain today.As you can see by the correspondence that I have included I have paid my bills on time every month without failure.And the credit score that this company shows is quite different than what XXXX  has on their report. XXXX XXXX and XXXX show no late or delinquent accounts or collectionAccounts which those companies shows on the reported information that was received from Credco. The information is incorrect on all three and I want the false information removed and corrected please see the supporting documentation uploaded

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 2018-05-02
Company: Nelnet, Inc.
State: TN
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:
My ( 2 ) federal student loans with Nelnet are being reported to the credit bureau 's as late for the period in which I was in school and they should have been deferred. Both accounts were paid in full years ago, so I am unsure how to correct this error on my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: First Data Corporation
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
First Data keeps saying they will return loan to original person for collections cause they no longer have it

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 2021-02-04
Company: Experian Information Solutions Inc.
State: SC
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:
So I signed up for Experian credit works and got an alert about an alias and two addresses attached to that alias that doesn't belong to me. Upon checking my credit I don't see any unusual things but I want to make sure they haven't committed 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 non-monetary relief
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: OH
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 have reason to believe that there is incorrect personal address information reporting on my credit report. I am requesting a free copy of my credit report for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Experian Information Solutions Inc.
State: WI
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: Was not notified of investigation status or results

Complaint:
I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.

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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have reason to believe that there is incorrect personal address information reporting on my credit report. I am requesting a free copy of my credit report for review.

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 2020-06-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX the Wayfair site had an invitation for a Wayfair Comenity Bank credit card WITH AN ASSURANCE THAT IT WOULD NOT NEGATIVELY AFFECT THE CREDIT RATING AND THAT THERE WAS NO HARD INQUIRY. I was APPROVED FOR THE CREDIT CARD AND WAS THEN ASKED TO CLICK THE BOX FOR THE CARD. 
The predatory invitation concealed the fact that Comenity Bank then proceeded with a hard inquiry which remains on my credit report today. Comenity Bank is responsible for the inquiry and gives a defensive canned response that the consumer agreed to the inquiry which is not the case. Comenity Bank works with Wayfair and thus solicits consumer credit card applications conceal the fact that a hard inquiry will be done after the faux approval for the card and faux guarantee that there will be no hard inquiry. This is predatory practice and should be stopped. In the interim Comenity Bank needs to remove the unauthorized hard inquiry on my credit report that will stay on the report until XXXX and does affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: JPMORGAN CHASE & CO.
State: AL
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:
On XX/XX/2020, I purchased a XXXX XXXX XXXX from XXXX 's, Store # XXXX, XXXX XXXX XXXX, XXXX, AL XXXX. I paid {$58000.00} using my Chase Prime Visa credit card, for the oven and installation in my house. The installer ( an independent contractor ) was to deliver the oven to my home at the time he installed it. This was XXXX 's project XXXX. XXXX. 
Several weeks later, a woman named " XXXX '' called to tell me my oven had arrived at the store and I should get a call from an installer soon. 
I did not receive a call from an installer and the oven was never delivered. However, XXXX 's charged my credit card for {$540.00} on XX/XX/2020. 
The oven was never delivered to my house. XXXX can not possibly have proof of delivery because I never signed a delivery receipt. 
In late XXXX, I created a dispute with Chase Prime Visa credit  card and was given credit for amount of {$540.00}. 
Then on a posted date ( not the actual date ) Chase Prime REBILLED my account for {$540.00}. When I called Chase to discuss the situation, they REFUSED to discuss it with me.

IN SUMMARY, I have been forced to pay for an oven that was NEVER DELIVERED. 
XXXX 'S DOES NOT HAVE PROOF OF DELIVERY. 
CHASE PRIME REFUSES TO GIVE ME A REASON WHY I WAS REBILLED.

These actions may constitute Conspiracy to Commit Fraud. I will file a complaint with the Alabama Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This creditor is stating that I owe a local hospital {$50.00}. Something that I sent notarized paperwork in to dispute and that was removed from my credit. I filed an FTC report and I also have filed a police report. This is not my debt and I demand it be removed from my credit immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Navy Federal Credit Union Dispute Department to pay {$680.00} but before I made a payment, I told them I wasnt going to pay until they removed the entire account off my credit report on XXXX, XXXX  and XXXX  which they agree and they would send a copy to my address that I paid and it was going to removed off my credit report. The phone called was recorded. After a month, I got a letter saying the loan was resolved but nothing that it was going to be removed off my credit report like they initiated on a recorded phone conversation. when I check my credit report the account was still on there which they lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Midwest Recovery Fund, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery LLC. has placed a debt on my credit report with no notification or verification to me personally for a cash store loan in the amount of {$550.00} on or around XX/XX/2020. 

I sent them a validation of the account letter via certified USPS mail requesting validation of this item with NO RESPONSE of any kind. Under the fair debt collection act when an item is disputed and while under dispute it needs to be removed from a personal credit report. 

I have attached a copy of the letter sent to Midwest Recovery LLC and also a copy of the signed return receipt that they did in fact receive my letter.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-22
Company: Gordon, Aylworth & Tami, P.C.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of Gordon, Aylworth and Tami on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called Gordon, Aylworth and Tamis office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a new Chase Sapphire Preferred credit card in Chase Bank local branch in XXXX, PA this XXXX. Back then the promotional offer for this new card was that I will receive XXXX bonus points after spending {$4000.00} within the first 3 months. When I opened this new card, Chase branch banker promised to me that, if a better promotional offer becomes available within 3 months, Chase will match my current promotional offer to the better offer.

In XXXX, Chase upgraded the promotional offer to a better offer in the market. In the better offer, Chase offered XXXX bonus points instead of XXXX bonus points after {$4000.00} spending in the first 3 months ( exactly the same purchase requirement ). Based on Chase Banker 's commitment, I contacted Chase to request matching my offer to the better promotional offer available in the market and apply the additional XXXX bonus points to my account. However, Chase Executive Office simply declined my request without any legitimate reason. They completely ignored their own Chase Banker 's promise and commitment. This is against their basic business principles and integrity. Also this is essentially cheating customer. 

I request Chase to honor their banker 's commitment and match my credit card offer to the better promotional offer by applying the additional XXXX bonus points to my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: Experian Information Solutions Inc.
State: IL
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 obtained my consumer report from Experian and noticed unauthorized items.

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 2018-02-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried three times to get my annual credit report from Experian on the annual report website and get the same message " problem with their system '' I also tried once by phone on their system and now got a letter back saying not enough information given!!!

It is my contention that they purposely have all of these " Roadblocks '' in an effort to get you to give up and not honor their requirement to give the FREE annual report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief