BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: SYNCHRONY FINANCIAL
State: NV
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 contact XXXX XXXX and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and XXXX XXXX & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report XXXX/XXXX XX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: Experian Information Solutions 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:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.

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 2021-01-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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: Personal information incorrect

Complaint:
The Crefit Bureau EXPERIAN are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows EXPERIAN Reports the following accounts that are not mine and proof supporting that was provided Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX IC XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX the following accounts # XXXX # XXXX # XXXX. 



I would like to add that my personal information and crefit file was among those affected by the data breach in 2017. Also I want to note prior to that I was a victim of identity fraud in which I had to meet with an FBI agent to sign documents surrounding that case. At that time I submitted this information to all three credit bureaus

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 2020-05-18
Company: JPMORGAN CHASE & CO.
State: FL
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:
I finally found out what Chase Bank had done to me. Cancelled my card with NO Notice. I had NO way to pay my bills, get food, get gas or anything else. I was stranded. When I told the branch that XXXX had charged my twice and I didn't not authorize it and didn't know what the charges were for. They told me to file the complaint on line so I WOULD NOT have a problem with my card. Incorrect information. They cancelled the card weeks later and waited until I found out to start the SNAIL MAIL process to replace the card. I called assorted departments of the bank and FIVE calls later I found out what happened. It is TOTALLY UNACCEPTABLE. I had to basically threaten the corporate office to get a new card overnighted to me. It DID NOT happen, that was on XX/XX/XXXX, it was not sent until XX/XX/XXXX, received it on XX/XX/XXXX at XXXX XXXX. 
The " behavior '' of Chase is a DISGRACE for the largest US bank. I assume they think they can get away with what ever they want to. There HAS to be more than a reprimand, especially with C19. To leave an XXXX year old woman basically helpless should be a crime!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
6 years ago I attempted to open an account with Bank of America. I was approved for the account at the time, but it was subsequently closed a few days later due to being on a negative list maintained by XXXX XXXX XXXX. This record listed on the report from XXXX turned out to be from an account opened fraudulently at another bank, and was removed. I later went back and attempted to open an account at Bank of America after explaining the situation and was told that my relationship had already been ended and that it was a final decision. Fast forward a few years later I decided to try again to see if maybe the bank policies had changed and after so many years, considering the record was removed, and wasn't my fault, that maybe they would open an account for me. I was denied again. I have never been able to have an account with the Bank simply based on this one thing, and I have spoken with representatives from the Office of the President, and have still only been told that, despite my situation, documentation, and explanation, that it would remain a final decision and that I could never have an account with the Bank because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-07-22
Company: Paypal Holdings, Inc
State: NY
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:
XX/XX/2023 My name is XXXX XXXX, i am the only competent party to this transaction. 

Paypal is communicating credit information to third-parties XXXX XXXX XXXX which is known or which should be known to be false. 
Paypal has not communicated my rights to dispute the alleged debt under the fair debt collection practices act section G. 
Paypal has never had any expressed written permission to share ANY INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: CITIBANK, N.A.
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:
On XX/XX/12 i made a purchase on a website through XXXX for {$190.00}. I cancelled the order the same day and thought that the charge on my card would go away. Once i saw that it did not I immediately submitted a dispute with Citi card. Finally at the end of XX/XX/XXXXthey sent me an E-communication that they needed more information without giving me any way of replying and I accidentally closed the dispute. I called XXXX to see if they could deal with the issue. They said that I should call Citi and have them change the dispute category to " Never received Item '' and reopen it however, after calling Citi 3 times, I only received a communication that I need to pay my balance or my credit would be affected. 

I even have proof that i pointed out to all the agents of Citi that i spoke with that my order had been cancelled by the person in question and they just said " we may need that later on ''

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 monetary relief
Consumer complaint received 2020-11-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2019-08-17
Company: Experian Information Solutions Inc.
State: CA
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:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, 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 2020-05-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020, I received an alert from XXXX that my SYNCB/PPC credit limit decreased from {$2500.00} to {$1500.00} without my knowledge or authorization, thereby lowering my credit worthiness to potential creditors and financial institutions. I contacted PayPal CREDIT who is in charge of the credit line and spoke with XXXX. I inquired on who authorized the decrease in my credit limit and how come I was never contacted or informed beforehand. I further explained the negative ramifications of the credit limit decrease on my overall credit worthiness and credit score. I did not receive a clear response as to who or why a credit limit decrease was authorized on my account which is in good standing. I expressed my disappointment in the carelessness my credit worthiness is handled by SYNCB/PPC and expressed my intent to file a complaint with the Consumer Financial Protection Bureau.

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 2021-08-10
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed items on my credit report with Transunion on multiple occasions over the last three months. 
First I have not received an updated credit report since XX/XX/XXXX file # XXXX. 
I also disputed the following items : XXXX XXXX XXXX XXXX ( acct # XXXX ) which shows 30 days late XX/XX/XXXX which was never late and I provided documents from the creditor showing 20 days late XX/XX/XXXX this item was received by Transunion on XX/XX/XXXX by certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the status of this account showing " included in bankruptcy ''. This account wasn't included in bankruptcy and spoke to XXXX at XXXX XXXX XXXX XXXX and was told this account shouldn't be on my credit report. 
XXXX XXXX XXXX XXXX XXXX ) shows a status of included in bankruptcy, which I have never been in bankruptcy, date closed in incorrect and was closed paid in full on XX/XX/XXXX not closed XX/XX/XXXX. This same account was removed from my XXXX credit report during my complaint with CFPB, complaint number XXXX. 
RISE ( acct # XXXX ) status shows included in bankruptcy and I don't believe this account is mine and has asked for verification.

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 2020-11-19
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My significant other and I own a home with a VA mortgage with The Money Source. We are both on the deed. We asked for forbearance under the Cares Act and that ends in XXXX. We always told TMS that we were keeping the house but every month or so they put the house on an auction sale. 

We hired a lawyer who has sent multiple letters stating we are keeping the home and want to start repaying mortgage but we have received a bill for the total arrearages. We cant pay that and the Cares Act allows for us to put in e d of mortgage or work out a payment plan. Instead of doing this they put house on auction sale in violation of Cares Act. They have not answered or responded in any way.

We just want to keep the house but we need them to work with us on the arrearages. They will not be respond and every time we try to call they give us a new person who says the person we need is out. 

This is a VA loan as well and they get money for helping us avoid foreclosure. 

Please help us get them to just confirm we can restart mortgage and remove house off auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
My XXXX credit card appeared on Equifax then disappeared in XX/XX/XXXX. My pay receipts say I paid a credit card in full, on time. I wouldn't have a credit card unless to build my credit. Most if not all banks report a credit card to the credit agencies. Evidence available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: CA
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:
I'm showing a charge off account on my credit file from XXXX- I have already paid, settled and close this account. Please see attached documents for proof of payment and settlement. I have tried to contact XXXX to make sure that they update my records with Experian, they have not update my file with Experian. Also, Experian continues to report this as late payment on my file. XXXX 's account is charge off and the last late payment on my account was reported in XX/XX/2017. This account was steeled and the creditor agreed to delete this account form my file. I have been trying to speak with Experian and have them update my file and delete this account and fix my FICO score, they have report and lowered my fico score by 18 point on XX/XX/XXXX. I have exhausted all options with XXXX and Experian and no luck. 

PLEASE HELP 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 2020-05-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
on XX/XX/2020, I recieved an email from Experian please log in to review my alert.When I logged on and view the alert, Experian message was that my FICO score has decreased 4 points with no explanation.Also, the message said to up your fico score i should use boost feature.OnXX/XX/2020, my FICO score increased 11 points.On XX/XX/2020, My FICO score increased another 11 points.On XX/XX/2020, My FICO increased another 9 points.On XX/XX/2020only 5 days later my FICO score decreased 4 points with no explanation.Something is wrong and I demand a Explanation why.It almost seems like Experian decreased me under 700 to use the boost feature.When I log onto Experian under alerts, IT does not give a detail explanation.When you view the credit report, that doesnt give a Explanation 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