BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
We went into the Ashley Home Furniture store in XXXX XXXX XXXX Arizona and was asked if we would like to see if we qualify for financing of the mattress that we had selected, and that it would only be a soft inquiry into our credit to see if we qualify, and then after, decide if we wished to proceed. We agreed for her to run our credit to see how much financing was available to us.The store associate ( XXXX XXXX entered our information into her system and said we were approved for {$1100.00}, to which we declined, and withdrew the application verbally, and clearly expressed that financing only a fraction of the mattress price was not the best option for us.. She explained she needed our signature as authorization to run our credit. She asked us only if we would like to " see '' what financing options were available to us. Nothing involved opening a credit line. Either way, we declined the offer that was advertised to us as a soft inquiry to check available options. We checked our credit and a hard inquiry is marked on our credit reports. There are now store credit card accounts opened in each of our names. I called XXXX Bank who provides the financing and spoke to a manager ( XXXX XXXX and he flat out said that the applications put in at the furniture store are submitted to qualify us to see if we are eligible for credit and then they just go ahead and start opening accounts. The store associate XXXX said that she was giving us the option of financing a purchase of the MATTRESS. Not signing us up for a store credit card after the mattress was agreed to be paid for with cash in full. Closing this line of credit will adversely affect our credit. Should we apply for a home mortgage, since the house we rent is being sold, and have to move, a derogatory comment could show on our credit excessive number of accounts open. This is why we clearly expressed to the store associate that it was not the best option for us and proceeded with declining the credit that was only offered to us verbatum as a soft inquiry to see if we wanted to go that route.

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 2020-04-23
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRES HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2022-04-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have two transactions that have been held since XX/XX/XXXX by American Express Bluebird. There are two transactions {$34.00} and {$230.00}. Both transactions were for two separate hotel stays. The hotel has reconciled BOTH stays and charged the stays under " XXXX XXXX '' which is their payment processor. I was advised on XX/XX/XXXX by a representative at Bluebird that a letter on the hotel letterhead was needed to have the hold released. They said they would not accept the hotel receipts on letterhead as proof to release the hold and that someone from the hotel staff would have to email a letter on their letterhead from the XXXX domain to have the funds released. The front desk manager as well as the General Manager for the XXXX XXXX and XXXX XXXX in XXXX XXXX, TX have emailed this information three times. 

On the evening of XX/XX/XXXX, I spoke with agent XXXX at American Express Bluebird who was rude and did not help to resolve my concern. I was told that it would take 30 days to release my hotel transaction which is not true according to their own policy that states that funds would be released after the 7th day. The 30 day hold applies to rental car agencies by definition of American Express ' own policy. 

The ambiguity of their policy is misleading and deceptive to customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : XXXXXXXX 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

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX + XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX TRANSUNION : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/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 explanation
Consumer complaint received 2020-04-23
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX I've applied for American Express XXXX XXXX card in order to extend our present AmEx credit portfolio. We, XXXX XXXX XXXX, were seeking for a product, which would enable us to earn additional rewards points on shipping and advertising products, which is a main reason why we chose that product and I, XXXX XXXX, decided to apply for it. However, my application was denied/rejected. 

While I was researching for a denial reason, I've been serviced with such reasons - quote 'Your consumer credit report indicates your payment history has been unsatisfactory ; The number of your payments in relation to the overall balance on your American Express account ( s ). ' Which is complete blasphemy. None of my credit report from all three major credit bureaus indicates a single missed payment, nor an account in collections. On top of that, I have an excellent payment history in general and the same could be told about my personal and business account with AmEx, a member of which I've been since XXXX. 

Additionally, I currently don't have any high balance on any of my card, especially personal ones. They all have been paid for, in time respectfully. 

Also, during the research, I've noticed that American Express didn't even obtain a copy of my recent credit report since I don't see a hard inquiry on any of major credit bureaus and especially in XXXX 

As proof of my words, I'm attaching the copies of my credit report, indicating excellent credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment to PHH mortgage, the last day of XX/XX/XXXX to be intended to XX/XX/XXXX. It was half of the payment. The rest of the payment was payed on XX/XX/XXXX. The mortgage company notified me XX/XX/XXXX that XXXX was in a suspended account. And that I owed the amount in their suspended account. I called XX/XX/XXXX, the customer service women told me she would reverse the payment and it would take 10 business days. I called mid XXXX and was told in 24 more hours. Then nothing again was reversed. I called and spoke to another customer service who told me it would be reversed. I asked to speak with manager or management. He said no management he sent me to escelation department, I spoke with XXXX XXXX who assured me I would have a business letter explaining what happened, but that was money was suspended they could not reverse it and I owed XXXX i paid the XXXX a couple days later. I have a late payment on my credit report, paid an extra XXXX, no letter of explanation, and was misinformed by customer service on several occasions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with XXXX XXXX on the dates below Experian. 
- XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report is cause me great distress and XXXX. 
According to the FRCA Law Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There is an Inquiry shown on my report from XXXX. I didn't give this entity permission to pull my credit. I didn't engage them in any way. I will like this removed from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-25
Company: CITIBANK, N.A.
State: CA
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:
XXXX closed all XXXX of my credit cards ( XXXX personal cards AND XXXX for my small business ). The closure notice cited too many credit inquiries, despite my card account having been successfully opened over a month ago. I had XXXX inquiries on the cited report on XXXX XXXX, XXXX, and XXXX alone were XXXX! If inquiries were the real reason, they would have denied my last card on the XXXX/XXXX/XXXX! 

I think XXXX closed my accounts because I overpaid my credit card balance by ~ {$500.00}. I did n't know at the time but read later that overpaying your balance upsets them! 

Crazy how they my perfect record of making exact payments to XXXX is overlooked, by paying extra! 

I have done nothing wrong and this irrational action by XXXX will adversely affect my credit score and report. I am really disappointed in XXXX 's actions as a bank, as I was previously a satisfied customer and always recommended them.

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 2021-08-21
Company: Consumer Credit Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A job place that I had applied for checked my background information and this information seems to be be very in accurate it must belong to someone else because I never went to jail in XXXX or XXXX nor did I have a criminal background that early in my life this is a huge error and Im very upset to see this

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
While traveling outside the country in XX/XX/2022, my Chime debit card was used in Florida for unauthorized and fraudulent charges. As soon as I saw the charges, I froze my card so it could not longer be used. 

I repeatedly reported this to the bank, and provided airline tickets, other bank statements indicating I was outside the country and a police report. They have denied my claim and refuse to cover the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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

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 2022-04-27
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 belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I Received a call from a number who left a voicemail with reference number, called back, party named XXXX XXXX claiming from federal loan department send me a txt message with a code. The person asked for code and I provided and person was able to log into my XXXX account and gave me all the details about my school loans and option as how to pay back. 
my Social was verified, my address and my employer was verified. 
I was send some paperwork to sign and asked for the payment to be applied to Loan.the writer provided XXXX bank account number. 
after the call, I called my school financial advisor and I was told it is a scam. 
I had my credit card locked but iam still worried about my other information. 
the number that was given to me to call back is XXXX, initially a femaile called with the name as XXXX and a reference number provided ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: CA
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: Problem with product or service terms changing

Complaint:
XX/XX/XXXX I went to www.equifaxsecurity2017.com website due to the breach. After putting my last 6 digits of SS # and last name Equifax confirmed that I have been breached and the next step was I am to get a email notification to get " TrustID Premier Identity theft protection. 
XX/XX/XXXX, I received my email notification and to click on the link https : //trusteidpremier ... ... and to follow the steps. The link was spinning it appears for 10 minutes and then finally gave up. I tried again and Equifax said that I already attempted and appears I am in system. I DO N'T have any idea what that means. 
XX/XX/XXXX at XXXX I call Equifax at XXXX CA time. Spoke with XXXX and he was completed disrespectful and yawning and even sneezed but did say excuse me. Nonetheless, XXXX after verifying my information and saying my SS # out loud which I believe no one should ever repeat you SS #. They should ask you to say it again yourself. XXXX said I will be getting another email notification and should work then. 
XX/XX/XXXX the new email notification arrived and I clicked on the link and the website said " Temporary out of Service ''. 

I am asking for your help and have Equifax be totally accountable for there lack of security an thus was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute any and all debts PORTFOLIO RC claim to be collecting on me. I want them to send proof of right to this debt. 
Send me proof : Copy of the application of credit as I need to see exactly what debt you are trying to collect. 
Copy of the cardholder agreement ( THE CONTRACT ) and any amendments as what this will show the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me. 
Monthly statements from when I had a XXXX balance up to the final statement, because I need to see all the charges, payments, credit, etc... To compare this with the cardholder agreement and see if the amount you are claiming is correct. 
What is your authority to collect this debt as I have never done business with you? If you claim to own any debt you claim I owe give me the full purchase agreement so I can see if you really own this debt. 
Please show me that this is not a TIME-BARRED DEBT.

Company response to consumer: Closed with explanation