BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent Account Services Collections an letter on XX/XX/2017 about several ( 5 ) medical debts from the same collector that showed up on my credit report. On that letter I requested that they validate the alleged medical debts due to me being unaware of any outstanding medical bills that my medical insurance covered. In that I also asked that they provide the breakdown of fees including any collection costs and medical charges. I also asked that they please show me a copy of signature of mine with the provider of services to release my medical information as proof. In that letter they said that I was was informed in which I never received such letter. After receiving this letter I mailed directly to XXXX, XXXX XXXX, XXXX and provided them with a copy of my Id and Social. So that information is also not correct. Again as I have prior stated this bill is fraud and due to Identity theft. As I stated prior I have sent the information with my id to them on more than one time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was invited to apply for the PayPal Cashback card. Upon applying I was instantly denied. The response I received said that I was denied because my XXXX credit report was frozen. I contacted XXXX and they confirmed both my phone and through a XXXX chat that my credit report was not in fact frozen. I then tried to apply for the PayPal card and once again was denied because my XXXX report was frozen even though I had confirmed with XXXX that was not the case. I tried speaking with Synchrony on the phone and they told me that there was nothing they could do and I should contact XXXX. I do not believe this is a XXXX issue. I have never experienced this issue before and I believe this is Synchronys fault.

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 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021 I was given false and deceptive information, as I was informed that a down payment of {$2500.00} was needed for me to drive off the lot. I was never told I had 3 days/years to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, XXXX XXXX XXXX failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please investigate these inquiries as they were inserted on my credit report without my authorization. I called Transunion to ask why my credit was pulled without my authorazation and I was told that It's nothing that can be done by law It say that All information reporting should be 100 % accuarate and these inquries is not. Thanks again

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 2018-02-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with Chase Ink and was a few days late with a payment due to being abroad on holiday. On my return I called and explained and made an immediate payment. I was then told as it was outside of their period I would be charged a higher rate of interest. I was also told I would have to wait 6 months before they would review the situation. This I did and then called and wrote - but received a computer generated automatic reply saying my request to return to my original APR was not acceptable - even though all my payments had been made in good time. I again wrote 3 months later when the same letter was received. I called and was told " there is nothing we can do '' I am currently paying off the balance and will switch to another credit card company. 
The hike was to a rate of 24.49 % - up considerable from my original rate. 
I also had a Mortgage, Equity Account and additional credit card with Chase - all of which were paid on time over a number of years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Santander Consumer USA Holdings 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 have a loan with XXXX XXXX, XXXX and SANTANDER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and SANTANDER with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Experian Information Solutions 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 have begun disputing my credit report with the agency of Experian since XXXX XXXX, XXXX. I have sent over a dozen certified letters of the inaccuracy of the items listed on my credit report. Each time that I have sent my disputes, I was sent a notice back stating they are missing verification of self ( ID, proof of new address, recent utility bill and dispute request ), I sent in all the requested information and provided them with 15 more additional days to complete the investigation, Experian stated the information was verified but have failed to show me how the information was verified. I 've sent notices on XXXX/XXXX/XXXX with tracking number XXXX on XXXX XXXX, XXXX, tracking number XXXX also on XXXX XXXX, XXXX with tracking number XXXX also on XXXX XXXX, XXXX, with tracking number XXXX which was signed by XXXX XXXX XXXX on XXXX XXXX, XXXX. My final notice on XXXX XXXX, XXXX, included all my previous request on fixing my credit report accuracies as well as verify the information listed and intent to file a complaint or lawsuit if the information was not fixed. I received a letter back stating they will not re-investigate my issue. The mass majority of the information that was reported since the start of the investigation has been deleted but continue to report negatively on my credit causing me harm and not being able to approve for certain loans.I have also requested for assistance regarding their recent security breach and have received a report that my social security number has been impacted but Experian is not trying to resolve this and help my credit information stay safe and reflect correct information! Please look into this matter and investigate this company.

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 2023-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have inaccurate information on my credit report that does not belong to me. I filed my complaint with FTC and a police report. I would like the information removed from my credit report. 


Equifax Credit Report 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, the consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, Eastern Account System contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : Eastern Account System account : XXXX address : XXXX XXXX XXXX XXXX, ct XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( never provided by submitter ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 items 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. 

Additionally, in accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to information being reported by the furnisher accurately and completely under Section 623 ( a ) ( 1 ) ( B ), Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : ( never provided by submitter ) has violated my rights. Section 623 ( a ) ( 1 ) ( B ) states : If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I was never notified by the furnisher of this alleged account. The balance reported by the furnisher on XX/XX/22 states the balance is {$1300.00}, however a payment to XXXXXXXX XXXX XXXXXXXX XXXX  was made on XX/XX/22 and the balance is only {$200.00}. I never received any written information from the submitter regarding this collection account. I sent an email to the submitter on XX/XX/22 to inform them the information reported is inaccurate, incomplete and therefore must be removed from my credit report immediately. I attempted to call XXXX and XXXX on XX/XX/22 and was told they are not responsible for accurately reporting information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2023 I received a copy of my credit report I was shocked to see an account listed by XXXX Acct # XXXX with a balance of over XXXX XXXX dollars. First of all I never consented to my information being used to open this account nor have I ever received any goods or services from this creditor. This is fraud and I want this item investigated immediately. The amounts owed reflect different balances with the credit bureaus which again is a violation of the FCRA and the dates of activity is inaccurate as well.

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 2023-05-05
Company: AMERICAN EXPRESS COMPANY
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: Was not notified of investigation status or results

Complaint:
Good morning, I hope you're well. I have 3 inquiries from this company that I never applied for! I need these inquiries removed immediately! I will take legal action because this is freud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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 had an account with XXXX XXXX XXXX that went bad on XX/XX/XXXX. XXXX and XXXX have removed this account because it was past the statue of limitations as of XX/XX/XXXX. Experian is reporting my last payment date as XX/XX/XXXX. I have no idea why they are reporting this as it is false. I have reached out to Experian numerous times and they will not verify where they got their information.

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 2018-09-04
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Cavlary posted a collection account on XX/XX/XXXX but I never received any notification of this debt prior to them placing it on my account. In XX/XX/XXXX I discovered it on my report and I have made numerous requests for this to be removed from my credit reports. I received no debt validation, and they refuse to contact me. Their contact information is incorrect on my credit reports, and they have completely failed to validate my debt, despite numerous requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have tried 3 times this year to get Experian and XXXX XXXX to PROPERLY REPORT MY PAYMENTS FROM 2019!!!!! I have MAILED AND EMAILED PROOF OF PAYMENTS AND STILL NOTHING GETS CHANGED OR DONE??????!!!!!!! My payment is due on the XXXX of the month btW and my payment is {$410.00}. 
XXXX is reporting 5 - 30 day late payments in 2019 and I HAVE PROOF FROM MY BANK STATEMENTS THAT I WAS NEVER 3 DAYS LATE IN 2019!!! I EVEN PAYED EARLY ONCE IN AND THEY CHARGED ME 30 DAYS LATE THAT IS THE ONLY ONE THEY CHANGED ON MY REPORT BECAUSE IT WAS 6 TIMES LATE THEY REPORTED!!!!!!!!!! NOBODY INCLUDING ALLY SEEMS TO CARE AND THIS AFFECTS MY LIFE GREATLY!!!!!!!!!!!! I WOULD APPRECIATE SOME HELP PLEASE!!!!!!! 
XX/XX/2019 - PAID {$850.00} ON XX/XX/XXXX FOR XXXX & XXXX XX/XX/2019 - PAID ON XX/XX/XXXX {$420.00} PAID AGAIN ON XX/XX/XXXX {$400.00} XX/XX/2019 - PAID ON XX/XX/XXXX {$410.00} 2 FREAKING DAYS LATE AND CHARGED 30 DAYS AND I AM GETTING LATE FEES ALSO!!!!! 
XX/XX/2019 - PAID XX/XX/XXXX {$420.00}! 
XX/XX/2019 -PAID EARLY ON XX/XX/XXXX!!! {$410.00}!!!!!!!!!!!!!!!!!

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 2023-07-08
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX Account # : XXXX and XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan with this financial institution was paid in full on XX/XX/XXXX. I received an escrow refund, but they withheld an additional {$95.00}. When I contacted the financial institution, the representative had me on hold for 20 minutes to find answers, but no one was available. She received my contact information and promised that someone would return my call to address this matter and it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my loan in XX/XX/XXXX. There is an overpayment on my property taxes. Previous lender on numerous occasions has confirmed they received the overpayment back and had processed the check for reimbursement. I have been following up for weeks on this and as recently as of Saturday XX/XX/XXXX and Monday XX/XX/XXXX i was told a refund check was being overnighted to me. As of today Wed XX/XX/XXXX XXXX ID XXXX is telling me there is no way for anyone to tell this information and this can take upto another 30 Days. I have been on the phone with LoanCare for 1 hour as i am writing this compliant. I asked multiple times to be transferred and was told no one is available. both the county and LoanCare have confirmed multiple times that Loan Care is in receipt of the overpayment of the property taxes. This process is going on 2 months now. I was told as of XX/XX/XXXX the check was being processed and would be overnighted to me to receive on Wednesday XXXX. Now the current team member is telling me there is no way they can promise that would be done. I want this taken care of and the only recourse i feel like i have is to file a compliant.

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 2017-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I signed up for a 7 day free trial for credit monitoring with Experian. That free trial was to end on XX/XX/XXXX. On the evening of XX/XX/XXXX I cancelled the free trial and removed my debit card information. On XX/XX/XXXX I called Experian and spoke with a young man who informed me that my account was cancelled and no credit/debit card information was retained. On Friday XX/XX/XXXX my  account was debited in the amount of {$23.00}. I immediately contact Experian billing and was informed my account was indeed cancelled however the charge was pending and there was no way to stop it. He then transferred me to a woman who was quite rude and combative in her tone. She went on to explain the even though I cancelled the free trial and removed my debit card information, the system had already begun processing it and there would be no way to stop it. I told her I wanted them to refund the amount back to my account. She told me to contact my bank, when I told her I was not going to contact my bank because the dispute process was over 30 days she stated she would process the refund and I should see it in my account within three days. I then inquired about any fees I would incur from my bank when other payments that were authorized would be declined. She stated there is nothing they can do about those fees and to contact my bank, when I told her my bank did n't make the mistake, she simply said there is nothing we can do because we are n't obligated too. At that time I became angry and disconnected the call. On Monday XX/XX/XXXX I called to confirm that the refund had been processed, the gentleman on the other end of the phone stated he could see the credit amount of {$23.00} however no refund had been processed. I am filing this complaint because the first rep should have done so without personalizing her decision not too. She should have remained professional regardless of the discussion and my anger due to her tone.

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