BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: DISCOVER BANK
State: GA
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:
On the morning of XX/XX/XXXX I received an email that my Discover card account had been closed. I called Discover and it was mentioned that a letter and email had been sent ( XX/XX/XXXX ) regarding the account status, however neither of those had been received nor exist. I have received several other account-related emails from Discover during this time. The representative to Discover sent me to a non-responsive team who she believed could assist me with the account, but she actually just terminated the call. 

I reached back out to Discover and was escalated to a supervisor shortly after my interaction on XX/XX/XXXX. The supervisor reiterated the dates but stated that the account had been terminated, they could not assist. They could not verify the address the letter was sent to regarding the account status. 

Despite having their app, numerous emails and letters about my account, and activity within their products, I believe my account was incorrectly terminated by Discover and they display anti-consumer negligence in their consumer outreach and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
Syncb/ Lowes Account is reporting that my payment for XX/XX/2020 was 30 days late. It was not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2022 Chase bank allowed XXXX XXXX XXXX to take {$750.00} to pay off an account that was not authorized by me. Chase claims the person had my debit/bank card, immediately when the charge came through, I cancelled the card and reposted the fraudulent charge. After speaking with XXXX XXXX XXXX they acknowledged the person was out of state and the email address that was used for the payment, was returned indicating the email address was incorrect. Both XXXX XXXX XXXX and Chase blame each other and neither would accept responsibility and blamed each other back and forth during the 30-60 days when I disputed the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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:
I requested a full investigation and debt validation on this collection, XXXX XXXX, but I am still receiving the same response ; the account " verified '' but they do not provide VALIDATION AND PROOF OF CLAIM. Even I do not receive ANY communication from Collector notifying about this debt. Also the Debt Collector illegally report this alleged debt to credit bureaus without following the procedure establish in FDCPA regulations. 
The credit bureaus, XXXX and Equifax, and the Debt Collector ( XXXX XXXX ) are violating the law, under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} The account labeled as XXXX XXXX with Date Opened : XX/XX/XXXX has been incorrectly reported with a Balance of {$6400.00}, which is higher than I recall. This account was presented as closed, and therefore, the Past Due amount is not applicable. I am pursuing direct communication with the creditor to address this issue. I kindly request that your agency report this account as disputed during my efforts to resolve it. 
Account Identifier XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$940.00}. I believe the correct balance is lower. Additionally, the Past Due amount is inappropriate for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX has a Balance of {$100.00}, which does not align with my recollection of a lower amount. The inclusion of a Past Due amount for a closed and charged-off account is inaccurate and has negatively impacted my credit score. I intend to reach an agreement with the creditor to rectify this data. I request that your agency mark this account as disputed to prevent further harm to my credit score. 
Account Identifier : XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$1000.00} The account labeled as XXXX with Account XXXX XXXX XXXXXXXX and Date Opened : XX/XX/XXXX is not mine. I request the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: NV
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:
Experian Credit Continues to report fraudulent and inaccurate information after receiving a response from creditors who initially reported the adverse information to the bureau. Experian continued to damage my rating by reinserting collection which were remove after original creditor acknowledged the error. Experian will not allow me to dispute these inaccuracies and fraudulent account online and when I contacted them directly they put me on hold for 30 minutes, looping me around between representative and then when I simply ask why they will not correct the issue the phone gets disconnected.

When the representative asks if I file a complaint against Experian to CFPB, I said yes and few minutes later the phone disconnected.

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 2019-09-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, On XX/XX/2019 we had a FIRE in the lower level of our home. The fire has cause $ XXXX {$85000.00} in damages. We immediately called Wells Fargo to inform them of the situation and asked what help they could offer. They offered a forbearance on the loan. They failed to inform us they were gon na report negative information on our credit report, we have been paying the payments every since and have paid them on time. The person we were dealing with said they would have our credit fixed do to the matter. They continue to report us negatively on our credit making our scores go below 500 from above 700 's. 
They keep saying they are gon na fix it and don't. We are still trying to fix our house and deal with the insurance company. During this time they eve threatened foreclosure when we have done what they have asked us to do and kept our side of the deal. 
All of this happened during a snow storm in the whole month of XXXX. 

They have done nothing but making this process horrible, and embarrassing, exhuasting etc.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX Balance : {$8300.00}

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 2018-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 4 payments were received by Wells Fargo. Each payment was done by check. Normally, Wells Fargo would post the payment on the credit card account and then the following day the check would clear the Wells Fargo checking account that the checks were drawn off. But this time, that did not happen. Wells Fargo did not post the payments but rather collected the money and then one business day later the payment was posted to the account. 

I contacted Wells Fargo about this issue and was informed that payment can take 1-3 days to post but after explaining to the customer service rep that in the past that was not the case and this only began to happen once the credit card account was closed. I was transferred to a supervisor who explained the same thing but after informing them that my concern was not being addressed, I was then transferred to another rep who continued to explain the same thing to me about payments taking 1-3 days to post. 

I interrupted the last representative and advised them that this only happened after I closed the credit card account and based on the actions of Wells Fargo, this appeared to be a deceptive practice. I was then informed that my issue would be escalated to another department who would be contacting me within 1 business day. I was provided with case # XXXX and provided that department 's phone # as XXXX. 

As I researched further I came upon the last 3 check payments that were sent to Wells Fargo and found the following information : On XX/XX/2018, 3 payments posted to the credit card account {$23.00}, {$26.00} and {$24.00}. As XX/XX/2018 fell on a Friday, the checks cleared my Wells Fargo checking account on XX/XX/2018. 

This is why I believe that Wells Fargo is once again engaging in deceptive practices as other financial institutions such as XXXX XXXX XXXX, XXXX and XXXX do not collect funds and then post a payment. The same can be said about other financial institutions such as my auto loan.

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 2018-04-17
Company: Credit Adjustments Inc
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid an outstanding student loan debt for the XXXX XXXX XXXX through a collection Company named Credit Adjustments in the amount of XXXX on XX/XX/2018. I was informed that my credit report would reflect that it was paid within 7 to 24 days after payment. It has not been updated or reported as of XX/XX/2018, which is now 28 days. I reached out to Credit Adjustments and they informed me that they do not directly report to the credit agency 's, rather that the XXXX XXXX XXXX will do at their next reporting cycle which is not what I was told initially. The contact information for the collection agency is : CREDIT ADJUSTMENTS I via CREDIT ADJUSTMENTS INC XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX My confirmation number for the payment is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: IL
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:
There was an unauthorized Credit check on my SSN from 2 different Banks on XX/XX/2023. I checked XXXX XXXX and XXXX and I do see those inquries on my report. I have not made any of those inquries or made any applications with those banks. Can you please help me fix this. Here are the details : 1. XXXX Report : Both XXXX and XXXX XXXX has made an inquiry on my SSN which are unauthorized 2. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized 3. Equifax : XXXX XXXX has made an inquiry on my SSN which is unauthorized Can you please remove these inquries from my report. I am working on freezing my SSN so no more unauthorized inquries are made on my account. 

I received a letter from XXXX stating my application for nwe CCard was rejected ( Attached in the document ). I called XXXX XXXX and looks like there are no account linked with my SSN, so must have been rejected as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a bank acct and I was denied bc Bank of America said I owed {$220.00} and put me in XXXX ... I thenWent into Bank of America and the banker pulled up my entire file with my Social Security and said that all my accounts were paid in full and that I have no outstanding balance and that I am not in XXXX cording to their system. So I then called XXXX and they said that I am in XXXX XXXX for {$220.00} therefore I am disputing discharge and to be removed from XXXX XXXX altogether as a fraudulent inquiry against me I would be glad to pay the XXXX if it existed. But I feel I am being discriminated against unfairly and this air is affecting my personal and financial situation

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 2021-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is the clam number : XXXX. Three ( i believe it was around XX/XX/XXXX ) months ago i had a sell phone fixed. The merchant claimed he repaired my phone. But phone was not repaired. I contacted my bank wellfargo an explained. I stated i wanted to stop payment cause merchant did not fix my phone. Women on phone from bank stated she would open a clam i stated i wanted to stop payment an get my money back. Women from bank stated its wrong a person shouldnt have to pay for a service they didnt get, an refunded my money. I assumed this was the last i had to worry about this. But XX/XX/XXXX i checked my account at XXXX XXXX an with out prior notice XXXX was taken out of my account. I tryed to explain to bank but was unable to speak to anyone in clams dept until XXXX. But when i finally spoke with some one from clams dept i was told merchant denied clam so i had to pay. An that she was done an i could try to speak to customer service. Upon speaking with customer for a 3 time, a supervisor i was told i was using money i didnt have, that wasnt mine. I tryed to explain if i would have been aware of the XXXX i could put money in my account so i would not have accured two XXXX dollar fees. I was ADVISED to put money in my account if i had any other charges coming so i wont have to pay more fees. I tryed to explain but i was treated as if i stole money!!!!!

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 2021-09-25
Company: Experian Information Solutions Inc.
State: NY
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 would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX US SM BUS ADMIN XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX XXXXK -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the XXXX late payments THAT SHOULDNT BE ON MY CREDIT FILE.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: TN
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 a victim of identity theft. I have filed a police report and all the appropriate paperwork but nothing gets done. The paperwork I send is not ever processed correctly. 
These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not getting copies of the verification report per the FCRA. This is another violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: KY
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: Their investigation did not fix an error on your report

Complaint:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX, Account Number : XXXX, has violated my rights. 
2. XXXX XXXX, Account Number : XXXX, has violated my rights. 
3. XXXX XXXX, Account Number : XXXX, has violated my rights. 
4. XXXX, Account Number : XXXX, has violated my rights. 
5. XXXX XXXX, Account Number : XXXX, has violated my rights. 
6. XXXX, Account Number : XXXX, has violated my rights. 
7. XXXX XXXX, Account Number : XXXX, has violated my rights. 
8. XXXX XXXX, Account Number : XXXX, has violated my rights. 
9. XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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