BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
ON DATE : XX/XX/19, I received a check from a family member for funds used for the purchase of a special needs van for a special needs child in my family. When I went to the bank, Chase N.A., at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, they refused to cash my check. this check was from their bank. The bank manager,  XXXX XXXX, informed me that he has to force me to get an account in order to get more than {$1500.00} for non-members. I called the FDIC to complaint while in his office they refer me to CFPB. I went to another bank, chase, location : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, was refer to the bank manager, XXXX XXXX. Who then told me that he too was informed by his management chain that for non-members highest they can do is {$2000.00} or he would be forced me to open an account to get the rest. I went to another bank, chase, location : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, was informed their bank doesn't process depositors. 
At the end of the day. Went to ( 5 ) banks to cash ( 5 ) different checks from ( 5 ) completely different banks. Chase was the only problem child.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Identity 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 non-monetary relief
Consumer complaint received 2019-07-12
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: Their investigation did not fix an error on your report

Complaint:
Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my report. I have contacted the bureau to fix this issue however I was unsuccessful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Phoenix Financial Services LLC
State: CA
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:
Phoenix Financial Services in cohorts with XXXX XXXX XXXX XXXX, claim I owe them a medical debt of {$960.00} as of XX/XX/XXXX. Just received this mail today that was dated : XX/XX/XXXX. Scam! I do not owe any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: SYNCHRONY FINANCIAL
State: IN
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:
On XX/XX/XXXX at XXXX EST I applied for a Care Credit account in the amount of XXXX to finance a XXXX  XXXX. The providing bank, Synchrony, proceeds to auto approve me for {$1000.00} credit card and tells me I cant close my account for 3 days, and Ill have to call back, even though the amount is no where near the request I made. No where in the Terms & Conditions does it mention auto approval for an amount I didnt actually request. What a way keep us racking up debt.

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 2017-12-21
Company: Experian Information Solutions Inc.
State: PA
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:
Experian has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXXXXXX XXXX XXXX XXXX this account was in deferment the whole time. I see when I wrote in back in XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because Experian has not done nothing on my credit report. There is no late payments when a student loan is in Deferment

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 2021-11-27
Company: CITIBANK, N.A.
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I opened a savings account with Citi Bank in response to their solicitation to provide me XXXX Aadvantage miles as long I deposited at least {$XXXX} for XXXX  months. Since XX/XX/2021 I have maintained a balance over {$XXXX} dollars, yet I have not received the XXXX XXXX miles Citi promised me with their offer.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
On all 3 credit bureaus. I have disputed numerous addresses. There are still more that do not belong to me. Also numerous social security numbers. Closed paid of accounts still on reports. XXXX, Experian 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 2022-11-06
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:
I have attached my driver license and social security card In accordance to the FCRA act, XXXX has violated my rights for 6 months with all 3 credit bureaus. 

15 USA 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states fa consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a_ Definitions, rules of construction Exclusions-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for purpose.

Account is reporting with 2 different amounts of high credit Account is reporting with 2 different past due amounts Account is being reported with 3 different dates of last activity Account is being reported with 2 different dates of payment history If this is the same account being reported by the same creditor why are dates amounts, status of account all different Account Status is different with all credit bureaus : Reported as collection, charge off and write off/profit loss Inaccurate balance amount is reporting to 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Claim # XXXX Ive reached out to Wells Fargo numerous times in regard to the events that have occurred on my account. A couple of faulty fraudulent checks were deposited in my account that I didnt authorize, so I called as soon as I came to the realization and have been in distress since then. They were informed that my identity was stolen and as a result someone whom I DO NOT know and wouldnt know if was a family member, as they stated I told them is responsible. Im tired of having these false statements and accusations alleged on my name and Im about to get ready to file a lawsuit regarding this matter cause its not right. This is my last time trying to get this resolved in the matter it should be handled cause Im a victim of fraud and identity theft getting treated like a unvalued customer.

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 2020-07-12
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received my US Bank Reliacard ( for unemployment benefits ). I activated it, the card worked for several transactions, then stopped working on XX/XX/2020. I have money on the card that I can not access. When I logged on to my account, I found that the account features ( such as bill pay ) went away. I call the number on the card for customer service but can not get through to anyone. I tried to reset my pin via customer service call ; the initial recording says " you can only reset your pin through the automated phone system '' but the automated system does not offer an option for a pin reset.

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 2023-05-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had an account with Synchrony Bank since XXXX. Made my payments on time, paid almost XXXX in XXXX, leaving like a XXXX or XXXX balance. When I did that they dropped my credit amount to XXXX. I even disputed the credit amount in writing but it was denied. I ended up paying it down to XXXX about XXXX to 4 months ago, then paid it off. Now they have closed my account. I have an appointment XX/XX/XXXX with my dentist to get some work done, was going to use the card to do this because its a little expensive. Also, my credit score dropped XXXX points with XXXX due to this account being closed. I am currently trying to build my credit so we can purchase a house. This has definitely took that chance away at no fault of my own. I feel like I have been singled out, there are millions of people with these cards, as soon as I paid it down to XXXX they lowered my credit amount to that. Then when I paid it off it wasnt no time after that they closed my account. I dont have any revolving accounts, my house was sold and that loan is paid off, my payment history is 100 % with my credit cards, and actually my credit score was XXXX when they closed my account, now its XXXX. Like I said, I was singled out for no reason.

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 2022-10-10
Company: EQUIFAX, INC.
State: SC
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: PA
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:
After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my name is  XXXX   XXXX . I found some new information regarding my home and foreclosure process. In the  XXXX   Count  y Recorders Office I   noticed a RESCISSION OF NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST recorded on  XXXX   XXXX ,  XXXX  Book  XXXX  Page  XXXX . I dont know how Nationstar Mortgage , LLC  and  XXXX   XXXX , a  Law Corporation is   trying to proceed with the sale or even posting a Trustees Sale when I have not yet received a Notice of Default. How is it that they recorded a Rescission of Notice of  Default but put the property on sale without Notice of Default ?   I have some concerns with servicer trying to foreclose on my home. I have sale scheduled for  XXXX / XXXX / XXXX  after checking some online auction sites they say my sale is active foreclosure. Im worried that Nationstar Mortgage, LLC my servicer will proceed with my foreclosure sale even though I have mailed out a complete loan modification packet to them. Called them and they said im under loan modification review. I know that if they do proceed with the sale they will be in violation of the California Homeowners  Bill of Rights Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Their investigation did not fix an error on your report

Complaint:
As I investigated my credit report, I found out that the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXX XXXX  XXXX Balance Owed : {$33000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$33000.00}.

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 non-monetary relief
Consumer complaint received 2020-01-28
Company: Penn Credit Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid someone to fix my credit and no updated has been made. no score has been shown since and the 1 derogatory mark on my account is still there and it showing up on my credit and my ex husband credit as well. and this account was in he's name not mines and 3 hard inquires which I have no understanding about. someone stole my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires were fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for e-Oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules. Experian commissioner # XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX. The XXXX XXXX XXXX. I will be filling form 211 treasury omb forms to audit consumer account. Experian is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 non-monetary relief
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: NC
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:
For 2 weeks now I have had someone low my credit up from all these car places and other places. I didnt authorize any of this would like you to please get these items off my hard inquiry. By law they are to have a written statement of me approving them to check my credit but this is crazy and I am trying to get my credit straight to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was balance billed inside insurance contract. But I was granted % 100 financial assistance through the hospital. So they are illegally sending me to collections. I requested information from the collection agency which refused and threatened 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 2023-02-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I leased a new car through XXXX  ( XXXX XXXX  ) and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX  having an issue opening my online account access

Company response to consumer: Closed with explanation