BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX CA ) to XXXX, XXXX and Equifax. I did receive a response on XX/XX/XXXX stating that the account was deleted. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX CA ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian and XXXX has an Opt Out listed on my credit report. The Opt Out listed on my credit report is preventing me from receiving pre-approved and promotional offers for credit.

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 2021-02-04
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent a letter to the credit bureaus because they had ignored my previous dispute in XXXX. I understand that COVID has caused a delay but the credit bureaus are still working so it really isn't an excuse. I havent gotten any communication that a dispute has started or any results. I know for sure that if a credit bureau must conduct an investigation in 30 days and if they do not they have to automatically delete the accounts that were disputed. This is the law and it must be followed. So with that being said the following accounts need to be deleted from my credit reports immediately : XXXX XXXX XXXX XXXX The credit bureaus have been ignoring me on purpose and this isn't fair. I am prepared to go to litigation because this entire process has caused a lot of stress in my life. I was also a victim of the Equifax data breach so I don't know who could have my information. 
Delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I Sent an E payment via My Credit union on XX/XX/XXXX XXXX ( a Fri ) Payment was due XXXX ( Sun ) so I was charged XXXX $ late fee for one day ( ok I guess since they don't process on Sun ( I guess ) so I'll accept that. XXXX pay was received on time yet I was told owed them XXXX $ because they would consider that late as well. I asked to speak to the Supervisor for an explanation of the logic and was hung up on, assuming I was disconnected I called back and was once again disconnected. The Bill is with " Synchronicity Bank '' on XXXX letterhead yet when I called them I was lectured on '' Credit Card Reality and the Real World '' by an assistant to the person I usually deal with. Restating : Why am I being charged XXXX $ for being one day late? charging me for being late on Two payments? I guess they say the XXXX Payment was processed to XXXX as a Late payment then The XXXX payment was considered late and are now charging me for that as well even though I made that Payment.Makes no sense?

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2022-02-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing this letter to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there are accounts that are misleading and incomplete. Therefore I request that you investigate these accounts listed below. 

XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$340.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$14.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2021, I had purchased 2 XXXX XXXX prepaid SIMs from XXXX using XXXX for payment who then changed my credit card with Chase for {$190.00}. XXXX XXXX refused to activate the SIMs. This was due to the representative limited access to their provisioning system and directed me to get my money back. A complaint was filed with the FCC on XXXX XXXX 's lack of competence ( PDF attached ). XXXX directed me to their website for a refund, however, they would not accept returns on open items which is unacceptable. XXXX had been useless in the past with refunds. I had used Chase 's online dispute process. Chase had credited and then rebilled the charges stating that XXXX found no billing error ( PDF attached ). This is untrue as XXXX 's website states there is a chargeback under review for an item not received ( PDF attached ). XXXX 's website is limited and is not capable of stating the actual issue of services not rendered and included 2 items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: Park Hill Holdings
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:
TO WHOM IT MAY CONCERN : Under 15USC1681 ( b ) - permissible purpose ( a ) IN GENERAL Subject to subsection ( C ) any reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX never gave CoreLogic/SafeRent any written consent to report anything on my consumer report, no consent is identity theft. This is a violation of the Fair Credit Reporting Acts right to privacy and permissible purpose. 

Please remove, block, and delete the following address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX DE XXXX, WI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Transunion. However its been more then 30 days and the credit bureaus failed to send my investigation back. This is not making any sense! 

According to the law 15 U.S. code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information 's contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2020-01-15
Company: Army and Air Force Exchange Service
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2019 I spoke to XXXX letting her know that has open this account fraudulently and sent all the required documents asked from XXXX. We have contacted Military Star via phone on XX/XX/2019 ; email sent to XXXX XXXX XXXX stating this a fraudulent account ; email on XX/XX/2019 to XXXX with all information - police report, federal trade commission, and CFPB report. Military Exchange still reported to the creditors and we had to file a separate complaint to all the credit bureaus with the information - police report, federal trade commission, and CFPB report. All credit bureaus have removed the item from my credit. Military exchange continues to send letters after multiple letters stating they will garnish my wages. Military Exchange continues to harass stating I am still liable for this debt.

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 2022-02-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX, I, XXXX XXXX, an consumer, sent XXXX, EXPERIAN, XXXX certified mail via USPS. However, According to my consumer report that I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX Account # XXXX XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX  XXXX, Account # XXXX XX/XX/XXXX of listed payment XXXX. XXXX XXXX, Account # XXXX XX/XX/XXXX of listed late Any information listed on my consumer report must be verified. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. Kind Regards XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

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 2021-07-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit has been in very good standing now for years. I've been keeping up with all my bills and have most of my credit card payments on automatic payment for the month so I don't forget. Unfortunately, there were still one or two that I hadn't signed up with, for this service. One is Comenity Bank the holder of a store credit card. I recently approached this bank after receiving a late fee about a month ago. Apparently, I forgot, after almost a year of paying on time and paid a couple of days late. Actually, I had thought I had been paying for well over a year on time. When I asked for a waiver, they were quick to point out that they had already waived a fee about ten months ago and were not prepared to waive one again. Wow. I told them that I really regret to hear that during these times, when so many people are in hardship ( we actually have our mortgage on deferral for over one year right now ) that this bank will not waive another late fee. I have since set up automatic payments. They can see this. Since this is a decision that this bank is remaining strong on, then I want to close this account. All it is, is an account that has got me into debt. High interest rates, now late fees, slow returns where I can not even keep up on what I returned and if I got the proper credit. I told them that if this fee is not waived I am going to have to close my account for a combination of the above mentioned reasons. Apparently they could care less and even told me how to close the account! Wow. Unbelievable. Even with what happened. A major Pandemic. People really struggling, still, well over a year later and they say no. Shame on this bank. Shame on them. I want this noted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX I was denied business credit after applying for a credit card for my business XXXX XXXX XXXX XXXX using my IRS issued EIN number with American Express XXXX XXXX XXXX card. I then received letters from American Express for both of the aforementioned dates in which American Express explained why they can not approve my application at this time. American Express denied my business credit card applications because they stated that I had canceled previous accounts with them. Both letters indicated I could contact them and try to qualify for a new car in the future by submitting an application at a later date. When I was initially denied on XX/XX/XXXX of XXXX, I waited almost 8 months before I re-applied again on XX/XX/XXXX in an effort to follow the instructions of American Express to which they indicated in their denial letters for me to submit an application at a later date. I followed their instructions and again my business was denied a credit card for the American Express XXXX XXXX XXXX card for a second time on XX/XX/XXXX. 

Back in XXXX, while I was married I did file for bankruptcy with my husband at the time and everything was written off for the personal American Express credit cards that we shared together. However, Ive never previously had an American Express business credit card. I am pointing this out to state that both attempts for me to apply for the American Express XXXX XXXX XXXX card is for my business only and not for a personal use credit card. I feel that American Express is discriminating against my business because of my past personal credit cards that have been paid or previously covered under my personal the bankruptcy more than 13+ years ago. Again, I am emphasizing that I applied to American Express under my legal business in order for use for business transactions, not personal use. I strongly attest that American Express refusal to extend credit to my legal business is discriminatory and they are using my prior personal credit/prior bankruptcy as reason rather than the creditworthiness criteria of my business credit. For these reasons in good faith I am submitting this formal complaint about these illegal practices in determining my business ability to obtain credit through American Express. I am including both of the rejection letters for your review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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:
On XX/XX/XXXX, I, XXXX XXXX, an consumer, sent Equifax certified mail via XXXX. However, According to my consumer report that I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX BANK such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted First Progress Remittances, XXXX XXXX BANK XXXX, XXXX BANK and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX Account # XXXX XX/XX/XXXX of listed late payment XXXX. XXXX XXXX BANK XXXX, Account # XXXX XX/XX/XXXX of listed payment XXXX. XXXX BANK, Account # XXXX XX/XX/XXXX of listed late Any information listed on my consumer report must be verified. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 

Kind Regards XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 multiple inquires i did not recognize him my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called all bureaus to get these off and they told me i have to verify i did not open them. None of these inquires are connected to none of my accounts on file. 15 usc 1681 right to fair credit reporting

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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