BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$5700.00} XXXX XXXX US DEPT ED XXXX Balance Owed XXXX {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$6200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX DP OF EDUC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: PA
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 trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been harmed by Synchrony Bank. They have lowered my credit line on my JC Penney account based upon an incorrect credit score information and the following reasons which are completely unrelated to the two accounts I have with them : 1. LACK OF REAL ESTATE SECURED LOAN INFORMATION 2. BALANCES ON ACCOUNTS TOO HIGH COMPARED TO CREDIT LIMITS 3. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON INSTALLMENT ACCOUNTS 4. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON STUDENT LOANS Their actions have been very damaging to my credit. All payments on JC Penney accounts have been on time and never late except one payment that was one ( 1 ) day late due to me having internet problems. All open accounts on my credit are in good standing and paid on time.

On the JC Penney account, they lowered my credit line to {$1500.00} from  {$4500.00}. My current balance is {$1500.00}. Their action has caused my credit usage percentage to increase from 34 % to 97 %. 
I have attached my payment activity for this account.My credit report reflects that all real estate, student loan, and other installment accounts are in good standing with on-time payments every month. 
I feel this is an unethical practice that has had a damaging effect on my credit. I am requesting Synchrony Bank review their records and rectify this issue to restore my good 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 explanation
Consumer complaint received 2019-10-03
Company: Happy Money, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
CREDITOR KEEPS CALLING AND LEAVING VOICEMAIL AT MY EMPLOYER PAYOFF IS THE COMPANY NAME HAVE CALLED 2 TIMES IN ONE WEEK XX/XX/XXXX XXXX XXXX  XX/XX/XXXX LEFT VM NOT SURE WHAT TIME THEY CALLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: SYNCHRONY FINANCIAL
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've called, sent letters, and even hired a company to help me deal with Synchrony Bank and there fraudulent actions taken on my credit report. This company has continuously re-aged my account activity with them for several months and its not fair. I've had enough and I need this account deleted off of my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I ordered items from XXXX totaling {$1100.00} The items were scheduled to arrive by XX/XX/2018. 

They never appeared. 

On XX/XX/XXXX, I called both XXXX and Comenity bank to inform them my package never arrived. 

Comenity created a Disputed Transaction. 

On XX/XX/XXXX, after much back and forth, Comenity said because a XXXX slip shows as Delivered to my doorstep, that counts as delivery to the obligor. They suggested I follow-up with XXXX. 

On XX/XX/XXXX, I called XXXX who said they would issue a refund. 
On XX/XX/XXXX, I also mailed a letter to Comenity asking : " Why is your opinion that delivery to my house meets the legal qualification of delivered to the obligor? Specifically, can you point to case law or amendments showing an obligors house qualifies as a valid delivery? '' Comenity never responded to my question.

Comenity also never followed up with XXXX to find the status of the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
US Bank recently closed my business and personal accounts. As a result I was issued a check made out to my business, XXXX, a sole proprietorship registered under my social security number. I went to the bank to cash the check, as I do not have another business account and was denied. I provided ID and it was verified that I am indeed the owner or the business as sole proprietor. The branch manager,  XXXX XXXX refuses to help me. I asked if I could have the check re-issued in my name, also refused. I called US Bank on the phone and was given essentially the same answer. I was told that in order to cash the check and receive my funds I would have to open another account at a different institution, which would incur additional time and expense in order for me to get my money back. I do not wish to open another business account as I have suspended my business operations.

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 2020-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian  notified me via my membership of a NEW collection acct called XXXX XXXX   XXXX - Amt XXXX There Address XXXX XXXX XXXX XXXX XXXX CA XXXX They List the original creditor is XXXX XXXX and then XXXX XXXX XXXX  in XXXX TX They list this debt to be XXXX ** This is MAIL AND WIRE FRAUD * FRAUD BY DECEPTION - XXXX  and XXXX XXXX Refuse to enter this fraud debt on my reports, EXPERIAN  is the only bureau to report=- Twice I have sent EXPERIAN  an FTC AFFIDAVIT of ID THEFT. 

I ask The CFPB step in and delete this from my Credit Bureau Immediately - I am XXXX, XXXX and have been since XXXX I phoned the manager at XXXX XXXX XXXX and they have no record of a XXXX XXXX XXXX XXXX 

The Stute of Limitations on said debt no matter who it was is expired in Texas This blatant Fraud has cost me thousands of dollars and I will seek legal relief immediately

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 2023-02-07
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase Account. Case number XXXX ; Case number XXXX. 
Unable to log into my Coin base account. Need tax statement for filing. 
I have been locked out of my account since late XX/XX/XXXX. I have repeatedly contacted Coinbase CSR and emailed ( help @ coinbase.com ) on my accounts status. To date, the account is locked. 
Time-line. 
Date Response XX/XX/XXXX Called CSR, was told to email my request. 
XX/XX/XXXX Emailed, received back a Case number XXXX. I would receive a response back with 15 days. 
XX/XX/XXXX Called CSR ; XXXX looking into my request ; no time line. Gave me the Case number XXXX XX/XX/XXXX Called CSR in process ; will send an email. 
XX/XX/XXXX Called CSR in process ; will email XX/XX/XXXX Email Coinbase looking into my case XX/XX/XXXX Emailed Coinbase email address in no longer enabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased a new XXXX XXXX through XXXX. They use Citizens One bank for installment loans over 24 months. I called before applying for the loan and asked if I could pay a lump sum payment at the beginning of the loan to lower the payments through the life of the loan and was told that I could. They had to have the loan first in order for me to do this. I then called in today to make the lump sum payment to bring the monthly payment from {$43.00} to {$30.00}. They informed me that they can not do this. They said my payment is fixed and that they don't offer this. I informed them of the previous call that I had had with them and they said that it was unfortunate that I was given wrong information but that they would do nothing. I told them that I would not have purchased the phone had I had all the correct information and they did not seem to care. The seems like an illegal lending practice to advertise loan terms before a purchase is made and then change them after it is done. They told me they will be looking for a copy of the first call that I made but told me that even if I am right nothing will change. Literally all I want to do is pay them money to make the payment more affordable and they told me that I could do this before the loan was initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: JPMORGAN CHASE & CO.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, we were contacted about a puppy for sale. We talked to the " sellers '', and requested live video. When it was time to make a payment for the puppy, we were going to use another payment option, but the " sellers ' suggested that we use XXXX because it was affiliated with our bank. I did a search and sure enough they were. This made me feel more comfortable because it was linked with our bank. Chase was advertising XXXX, I'd been with my bank for over 10 years and trusted them. I felt confident in knowing that since my bank affiliates with this service, then we are protected. We paid for the puppy and it's transportation. Afterwards we realized that it was a scam and contacted our bank immediately, but had to wait to speak with claims because they were already closed. We spoke with them on XX/XX/XXXX, and was essentially told too bad, your loss. Their response was that because we used XXXX and initiated the funds they would not help us, stating it's their and XXXX 's policy. They even sent a letter a day later ( some investigation ) that " as we discussed and AGREED UPON '', no action will be taken, the inquiry is resolved. The only reason we went with XXXX is because it was affiliated with our bank. Now they're pretty much saying, you're a loyal customer and even though you used a service that you trusted because our name was associated to it, and you trusted us, it's your loss, it's policy, no refund. No investigation to try and get our money back when they clearly know the bank the funds got transferred to, and definitely no regard that we contacted XXXX and informed them that we paid for a background reverse number check and found that this " company number '' was reported to them back in XXXX and they continue to let them utilize the service and scam people. The only reason we used XXXX and thought it was creditable and safe is because it affiliated with our bank. These services know people will use them and not look too much into their policies because their name is attached to their bank, and people trust their bank for protection. Banks like Chase could care less about getting their customers money back because it's not in their interest. It's our fault for trusting our bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Paypal Holdings, Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been unable to log in to my account since XX/XX/XXXX. I called on XX/XX/XXXX and they said it was an isolated issue with my account and their service team would resolve the issue within 3 days. I had money in my XXXX account that I needed to transfer but could not due yo lack of access. I can not not have access to my account for 3 days. I had to transfer money to my other card which cost me {$8.00}. I am expecting a deposit and need to know when it comes in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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:
FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. Company failed to give notice or reason why this account is late, then reporting negative things on my account, why is that? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DEPT OF EDUCATION/XXXX XXXX {$23000.00} XX/XX/2018 DEPT OF EDUCATION/XXXX XXXX {$9100.00} < -- -- Please see attached documents, accounts are NEVER LATE also INACCURATE DATA placed on my report, either EXPERIAN or the Creditor is DAMAGING 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 explanation
Consumer complaint received 2021-11-03
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: Information belongs to someone else

Complaint:
XXXX IS REPORTING INCORRECT INFORMATION ON MY ACCOUNT WITH XXXX PERSONAL INFO IS INCORRECT, SHOWS SOMEONE ELSE SSN NUMBER AND ADDRESSES DO NOT BELONG TO ME. UNDER PUBLIC RECORDS SHOWING BANKRUPTCY THAT DOESNT BELONG TO ME, UNDER COLLECTIONS THERE ARE 3 ACCOUNTS THAT DOESNT BELONG TO ME, UNDER HARD INQUIRIES THERE ARE 22 INQUIRIES DOESNT BELONG TO ME, UNDER OPEN ACCOUNTS THERE ARE 3 OPEN ACCTS AND 4 CLOSED ACCTS NOT MINE AND UNDER OTHER ACCOUNTS 1 ACCOUNT DONT BELONG TO ME. ENTIRE DOESNT BELONG TO ME. I CALLED XXXX AND SENT PROOF OF DOCUMENTS SHOW PRINT OUT OF MY ENTIRE XXXX CREDIT REPORT, SSN CARD AND ID CARD. CALLED 5 TIMES TO GET THIS RESOLVED, WAS TOLD IT WILL BE ESCALATED TO ANOTHER DEPT AND STILL NOTHING TO THIS DAY AND ITS STILL SAME ON MY ACCOUNT NO CHANGES. XXXX SAID THEY WOULD DELETE INFO IF I SENT MY DOCUMENTS IN VIA FAX AND STILL NOTHING. HERE ARE MY DATES- CHECKED MY REPORT XX/XX/XXXX MY INFO WAS NORMAL PULLED REPORT NEW REPORT/NEW UPDATE HIT ON XX/XX/XXXX SOMEONE INFO WAS REPORTING ON XX/XX/XXXX CALLED XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FAXED DOCUMENTS 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 explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
AMERICAN EXPRESS - They lowered my credit by XXXX $ without any notices or any reasons that could affect my business with them. I have been making all my payments to them on time and did not use my card very often. 
Because of this Carona Virus pandemic. I was trying to keep my card for any emergency spending. American Express went and lowered my available credit and has caused by credit score to decrease by XXXX points. 
All the other banks have been trying to assist their customers during this time but American Express has been destroying peoples lives during these tough times. 
I only found out that my credit was lowered when I was trying to make a purchase online and my card declined. I immediately called them as I thought my card might have been used fraudulently. Then I was advised of this dishonest practice that American Express lowered my available credit. HEARTLESS ... 
I think that practice of lowering people 's available credit should be a crime and this company should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
IRC services called my brothers phone left a.message that they wwre going to have me arrested for me to contact them. He happens to work with me and hunted me down. The guy was yelling that I didn't pay my payday loan from check n go in XXXX  and he was filing felony fraud charges against me and I would be arrested today if I didn't pay XXXX. He discussed all this with my brother 1st. My brother 's name isn't on any thjng that I've ever borrowed. When I called back he was yelling I had 1 hour to pay. I do have a payday loan that I owe on from XXXX. But there was no fraud committed like he said. He said they would be arresting me today in my way home from work. Can you please help? The phone number he called from is XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was interested in and provided a personal loan through XXXX  XXXX to consolidate bills. The loan with XXXX  XXXX was finalized and the money was in my account on XX/XX/2019. On XX/XX/2019 an deposit was made to my account from Lending Club in the amount of {$9400.00} via XXXX. 

Not sure who to speak with I contacted XXXX XXXX to make sure my loan was in place and not compromised. I explained what happened and they stated " check into Lending Club ''. My research into Lending Club deeply concerned me. I contacted Lending Club who confirmed they did issue me a loan. I confronted them with the fact I did NOT authorize a loan with them and demanded they withdrawal the money. They commented that " oh you want to cancel the loan '' to which I responded " I never authorized you to complete a loan. '' My concern is I NEVER authorized t hem to complete this loan. It seems unlawful to initiate a loan with no authorization. I did NOT sign a contract. 

As of this date, I received an email that a withdrawal in the amount of {$9400.00} is in progress. I want any money taken by Lending Club for fees involved in their issuance of this supposed loan to be reimbursed to me. A deposit of {$9400.00} seems like an odd amount and my guess is the original loan paperwork probably reflect an amount of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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 status incorrect

Complaint:
I applied for credit with XXXX on XX/XX/2020 and was approved at the highest interest rate because Equifax is reporting inaccurate information. They reported that I have serious delinquency and proportion of loan balances to loan amounts too high. I have paid my bills on time and have no serious delinquency ; it's hard to have a XXXX credit score with serious delinquency. I am using 13-15 % of my available credit so I need to understand how my proportion is too high. 

I called Equifax on XX/XX/2020 and was unable le to get an explanation from them regarding the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Based on the amount of times i tried to dispute it they only said it was updated with my Personal address at one point they was calling me twice a day, i been laid off due to covid 19 pandemic

Company response to consumer: Closed with explanation