BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
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:
There are many mistakes appear in my report without my understanding.

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 2019-09-16
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I attempted to redeem XXXX rewards points from PayPay Synchrony Extra Mastercard. Due to unknown system glitch, my rewards balance reduced from XXXX to  XXXX points but I did not get the promised {$50.00} cash rewards. 
This has been a month that both PayPal and Synchrony Extra Mastercard putting me on a circle without any corrective action.

I am very disappointed with incompetent PayPal and Synchrony Bank. 
Thank you. 
XXXX XXXX ID : XXXX Card Acct # XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to XXXX and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I change homeowners insurance and I paid them in full. I call Wells Fargo and ask them to take this portion of my mortgage out, since it was paid in full. I wanted them to recalculate my mortgage payment. They said no because I had a thirty day late on my credit. Heres the problem when COVID hit they offered a three month forbearance. I did the three months and when it was over I resumed my payments. They said because of that I was thirty days late.

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 2022-08-09
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson capital system llc XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I purchased a cruise with XXXX using my American Express Platinum card, with payments in XXXX and XXXX XXXX, for a cruise that was supposed to occur on XX/XX/XXXX. On XX/XX/XXXX, XXXX publicly announced that all cruises for the rest of XXXX, all of XXXX, and all of XXXX will be cancelled. In that announcement, they also said that they would automatically take the amounts paid and convert it to future cruise credits without the cardholders consent. These were obviously not the terms when the cruise payments were made to the American Express card. Per the Fair Credit Billing Act, I submitted disputes to American Express for the payments made, requesting refunds based on the cruise line cancelling the cruise ( as opposed to the cardholder cancelling ) and the fact that I obviously didn't receive the services that were supposed to occur earlier this month. I have spoken with numerous representatives at American Express over the last nine weeks, they've had me send the same documentation numerous times ( I wonder if they're even reading the information I've sent ), and they seem to be greatly confused by the facts. ( Example : In early XXXX, XXXX XXXX response to American Express included the written statement that " the Card holder reservation is active and is due to sail on XX/XX/XXXX ''. XXXX stated that some five weeks AFTER our cruise was publicly cancelled, and I had to respond to American Express in writing to correct the fact that the cruise was indeed cancelled five weeks earlier. At that point, given the misrepresentations of the cruise line, the disputes should have been immediately closed and ruled in my favor as the cardholder. ) American Express is dragging anchor on these disputes, and I just send additional documentation this morning based on a new request ( having to repeat information I've reviewed previously with them ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: OR
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:
For 4 of the last 6 months, beginning in XXXX of 2020, Equifax inexplicably drops my consumer credit score by over XXXX points. One day they enacted a XXXX point drop. This occurs without cause. My balances don't change much, businesses reporting don't change, there are no new reports. I haven't had a bunch if inquiries. My CC balances haven't changed much, up or down maybe {$50.00}. Yet for weeks at a time I have this huge dip. XXXX and XXXX don't do it either. In my state almost everone uses Equifax and they just keep this up. There is no way to get a hold of them with any result on this because it's internal to them and not a dispute of reported information. Online or by phone, no one can explain a cause. Requesting an escalation is simply not within their structure. They are absolutely unwilling to accept responsibility to explain or correct the issue and have no publicly accessible source to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion has not responded to my validation request made on XX/XX/2019. As of today XX/XX/XXXX the is in Violation. 

Please see attached of credit summary reflecting : ( XXXX XXXX  ) a unknown Account. 

XXXX XXXX- is the original creditor of which has not responded to my validation request. Of which includes : paperwork, proof of account ownership, date of last activity, recalculate of amount they claim I owe ; signature pages of contract as required by law. 

XXXX XXXX has not responded, a 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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking my report and I noticed some accounts are opened that I never opened the information doesnt even look accurate either I contacted the creditors they have no information of mines to provide back to me

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 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
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:
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 2018-12-27
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient calls an elderly student loan co-signer in a harassing manner upwards of six times a day ; they refuse to comply with the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Colony Brands, 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: Account status incorrect

Complaint:
XXXX XXXX is reporting an account on my file that needs to be removed! I have been disputing this account for months. I paid the balance on this account months ago but they continue to report a balance!! Reporting inaccurate information on a credit report can be considered fraud under both federal and state laws. This needs to be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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:
My complaint is with experian credit bureau. Every time I submit a dispute about information not belonging to me there always trying to block what I send. I am a victim of identity theft and Ive sent everything they have asked for from confirming my identity to submitting police reports and ftc reports and all. Recently I submitted paper work to have things blocked on my report and again I sent all the right paperwork over and they still tell me there not going to block it because they need more information which I sent them. Experian has been giving me a hard time for the past few months and its getting out of hand soon as I dispute something that was not mined they says its accordance they agree with the other side even when Ive submitted proof to them and court papers and all but yet there still taking there sides and even lowering my credit scores. My experian lock was taken off a couple of times and I couldnt lock it back. Im tired of Experian being biased towards me then has to end. I will be submitting a cease and desist order to Experian as soon as I finish my motion in court if this does not stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX cancelled my flight ( from the US ) and offered me a credit instead of a refund. The DOT says they have to issue a refund. American Express aided unfairly with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11
Company: OneMain Finance Corporation
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received an installment loan through one main financial end of XX/XX/2018, using my truck title as collateral. 
They told me my interest rate was 24 % I started paying attention to my statements as my balance wasnt going down much and noticed that even though my balance was lower they were charging me more and more interest every month even though prime rates have dropped since I got the loan. 

I spoke someone from onemain after I sent an email from them saying they practiced fraudulent and deceptive lending practices. 
He called and tried to explain away why my interest was going up even though my balance was going down every month and he told me that it was because the interest is accrued daily. And then I asked him well if it's because it's the length of time in between payments then why when I made a {$200.00} payment in XXXX did {$190.00} to go towards interest and then I made another payment 6 days later and 90 % of it went towards interest as well even though it has only been 6 days ... I asked him then why was that the case and he then contradicted himself one more time and said will because there was other interest back interest it was owed and so it all goes towards interest before anything goes towards principal and I said if that's the case then why did {$4.00} go towards principal from the previous payment it's interesting how to be paid off first he contradicted himself many times and then also told me that my rate wasn't 24 % but it was 34 % even if it was 34 % I've made 20 payments of an average of {$200.00} each and my {$4600.00} loan says I still owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: AR
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:
The problem started with the credit report Equifax created for me in the year of XXXX making my date of birth XX/XX/XXXX, while I worked for XXXX XXXX XXXX after being laid off for a week and going back to work with my daughter 's SSN as my SSN and later all other applications that have been filled with my daughters SSN number instead of my SSN number and the fraudulent through XXXX XXXX in the year of XXXX, after realizing the in the year of XXXX that the loan was fraudulent I filed several reports with the FTC, Police Dept, and Consumer Protection Bureau of Arkansas. I filed a claim through XXXX XXXX XXXX XXXX, which represents EQUIFAX, which as of today XX/XX/XXXX, I have not receive any response from the company on my claim and it has been two years with no response at from the insurance company. Like I have stated in many of the complaints I have filed with you all Equifax is the reason I am no longer at XXXX XXXX XXXX putting me into situations of creating hostile and criminal activities against mY daughter and myself for the past 19 years going on 20 years. My daughters and I are part of the Equifax Data Breach for the year of XXXX which has tremendously put me in a crisis for the past 19 years of my life from jobs to financial matters that has been overwhelming to me to recover from this loss since I left XXXX XXXX XXXX in the year of XXXX.I started at XXXX XXXX XXXX on XX/XX/XXXX or XXXX of XXXX, not in the year of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21 at XXXX XXXX  AID # XXXX Application : us debit XXXX XXXX XXXX XXXX XXXX Florida term XXXX card # XXXX Sequence # XXXX deposit of XXXX was deposited and never put into my account. XXXX XXXX in XXXX and XXXX in fiftys. Did file an investigation but never received my money. Spoke to branch Manager and still no funds in my account went to branch at XXXX XXXX  XX/XX/21 still no XXXX in my account. The ATM ate my money and still not in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27
Company: Experian Information Solutions Inc.
State: LA
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:
What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Transunion, XXXX, XXXX.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.

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 2018-10-17
Company: Experian Information Solutions Inc.
State: MN
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 have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2021-04-23
Company: Tate and Kirlin Assoc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from unknown individuals claiming to represent Tate & Kirlin Associates , Inc. regarding a debt. 

Several factors of these calls are extremely suspicious : 1. The caller 's telephone numbers are always local, XXXX area code, although this business is in Pennsylvania. 
2. They refuse to discuss what the call is in reference to, unless I divulge personal and confidential information.

3. When questioned as to their identity ( i.e., spelling of their name ( s ), etc. ), they hang up in my face!

4. On Friday, XX/XX/XXXX at approx. XXXX PST, I called their corporate headquarters at XXXX. When asked why my phone number was being called, the representative stated TWICE that there was no record of my phone number in their files. However, after approximately 10 minutes on the phone, the representative claimed to have " found '' my telephone number in another database. 

This business has been reported to CFPB, HUNDREDS of times, yet they are still operating. I would like to know WHAT steps CFPB is ACTIVELY taking to monitor, police and punish Tate & Kirlin Associates , Inc. for their suspect collection practices!! Allowing these type of " businesses '' to operate is fostering the culture of FRAUD/SCAMMING that is running rampant, currently, in the U.S.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAINE & WEINER COMPANY, 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:
Dates : XX/XX/2020 Amount : {$510.00} I disputed twice with credit bureaus and they are still reporting false report. I called for them to verified these items. There was no proof that these items where verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CITIBANK, N.A.
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:
On XXXX I called citi by phone and requested to pay off my account which it was {$7200.00} Day later I called my bank and citi and citi balance was XXXX Now they charged me interest claiming that tge interest is from the balance I had carry before the payoff Which it doesnt make any sense Other than citi make money off of XXXX tge customer They were charging me interests when I was making payment No they charge interest when I paid off the account It doesnt matter make a payment or pay off customer can not get free of citi XXXX full

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