BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-06
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:
I applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2021-01-25
Company: SYNCHRONY FINANCIAL
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 am reaching out to file a complaint with the bank and card issuer Synchrony Bank. The bank is repeatedly and intentionally failing to report correct information to the 3 credit bureaus, resulting in financial detriment. 

This stems from the period of XX/XX/XXXX to XX/XX/XXXX in which Synchrony Bank confirmed fraudulent charges were reported on the account. The charges were subsequently removed from my account as I did not authorize or recognize those charges. 

Beginning in XX/XX/XXXX, after more than 1 calendar year after the fraud charges were initiated, I received a collection notice from a third party. I have since called the bank no less than 6 times to confirm that the account is not responsible for these charges. In each call, we were able to confirm that the fraud charges were not my responsibility and that the bank and card issuer would reach out to the 3 credit reporting bureaus to confirm. 

Each time, the bank has failed. As a direct result, a third-party collections agency XXXX XXXX XXXX XXXX has begun the sending out collection letters. I am reaching out to file a complaint and to seek assistance in formally asking the bank to rectify their inaccurate information to the 3 credit bureaus. Thank you.

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 2020-09-22
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: Their investigation did not fix an error on your report

Complaint:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I filed complaint # XXXX with CFPB regarding my HELOC serviced by XXXX XXXX XXXX They acquired the loan from Bank of America and serviced it for almost ten years The loan is resetting to a payment just about double my current my payment which I can barely afford now.
XXXX never reached out to me as recommend by the OCC, about a loan modification I may be eligible for. They knew the hardship I was going through, XXXX and on fixed income at 1/2 my salary when I took out the loan I am awaiting a response to my complaint when I received a letter from XXXX that they gave my loan back to Bank of America. This transfer should not cancel my current CFPB complaint but going forward the new lender should now respond to CFPB as to why my loan modification never happened or is under immediate consideration as this has been going on long time Either way Bank of America is now responsible and I need to know why I have been so mistreated by these lenders. I am struggling to make payments, borrowing from others.

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 2021-03-25
Company: EQUIFAX, INC.
State: OH
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:
Please update all of my personal information on EQUIFAX, XXXX, and XXXX 

I would like all the names, phone numbers, and addresses along with removing any co applicant or spouse from my report My only name is XXXX XXXX My only phone number is XXXX My only address is XXXX XXXX XXXX XXXX, Ohio XXXX My only employer is XXXX i am self employed. 

There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Information regarding a XXXX XXXX credit card was placed on my report. I was no notified and the information just appeared on my report causing my credit to be affected in a negative way. This information is not mines and is misleading others to deny me of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a disputed charge returned to my account for {$38.00} and i cant access it. The company has closed my account. i have confirmed with support agents the balance is there. 
My account was closed due to not having enough deposits each month. 
But the balance is still there. 
They claimed if i had a balance it would be sent as a paper check not more than 30 days from closure. However it is well over 30 days from being closed and this company is denying me access to my funds. 
the company is CHIME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hey, I realize that things happen n a person life but it was uncalled for when I was told I should have not gotten the loan if I could not pay for it, n I humble said that none of us new that we would be going through such of things. I felt disrespected and disappointed as if I was being classified.

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 2020-10-22
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:
I recently pulled my credit report an found various fraudulent accounts, it is ruining my credit and my life.

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 2021-01-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
SONY CREDIT CARD COMMENITY BANK CARD Payment was on AutoPay every month. Was told that since the Sony Credit Card as switched banks AutpPay was not set up with new company and as a result I am being charged late fee and finance charges mounting {$29.00} & {$18.00} respectively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with XXXX and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XX/XX/XXXX, BANK OF AMERICA Account XXXX, XX/XX/XXXX On Record Until BANK OF AMERICA Account XXXX XX/XX/XXXX On Record Until

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 2020-10-22
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 recently pulled my credit report an found various fraudulent accounts, it is ruining my credit and my life.

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Trans Union is wrongfully reporting a bankruptcy to creditors ( used to deny credit to me ) from a bankruptcy from XXXX XX/XX/XXXX that was removed from other agency credit files on XXXX XX/XX/XXXX and currently does show in Trans Union Public Records area in my credit file. However somehow Trans Union is still reporting the Bankruptcy to creditors as shown on credit denial from XXXX XXXX XXXX XXXX attached ) from XXXX XX/XX/XXXX which clearly shows their reason for denial was " Your credit reports reflects a bankruptcy '' as provided by Trans Union. 

Why is Trans Union reporting a bankruptcy almost 11 years later? How is Trans Union providing this information to creditors ( XXXX XXXX XXXX XXXX when Trans Union itself does not show a bankruptcy in Public Records? What other means is Trans Union using to wrongfully report this bankruptcy to creditors?

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 2020-10-22
Company: BAKER GOVERN & BAKER INC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I owe XXXX XXXX XXXX {$250.00}. 
Baker and Baker firm has been using illegal tactics for me to pay which at moment I can not pay due to virus and my other bills have accrued. I explained to Baker and Baker that I broke my shoulder in XXXX of 2019 and since then have had to deal with virus and basically have been out of work since XXXX of 2019. 
I have borrowed from XXXX  before and have intention to pay. Just do not have the money. 
I told Baker and Baker to stop emailing me because I am getting mail from another collection agency about this matter and will fix with them through XXXX. 
Baker and Baker is threatening me with jail time and return payment of {$4500.00} to handle this. 
This is bullying, intimidation and harassment. I have done nothing wrong I just currently can not pay with my current commitments and bills. How can this stop ot has my nerves shot. I have no time for jail or able to pay {$4500.00}. I have saved all of Baker and Baker emails

Company response to consumer: Untimely response
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started looking to refinance my mortgage about XX/XX/2020. I looked at my credit score on my XXXX XXXX XXXX app and it was low and our  credit is excellent. So I got a credit report from TransUnion  XX/XX/2020 and they show someone else 's name, completely different on my credit report that is badly hurting my credit. I have never heard of this person ( " XXXX  '' ) and I have never had a XXXX account. I filed a dispute with TransUnion  and they refused to take it off. XXXX   already removed it for me. The amount is {$2400.00} that is in collection, from XXXX XXXX. The collection company is their own, XXXX XXXX  XXXX. For over a week TransUnion told me to call the collection company, who told me to call XXXX, who told me it was in collection, nothing they could do. I asked for a supervisor, they called me back, said they would investigate, today XX/XX/2020. Instead, they sent me an email with a form that has MY ADDRESS with this other person 's name on it and they want me to sign it. I refuse to sign anything with a criminal 's name on it, it was never my account. XXXX gave credit to someone using my SSN and never checked the name, they are 100 % at fault here. How can TransUnion put someone else 's name on 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 2019-02-08
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: Account information incorrect

Complaint:
Telephone payment made via XXXX system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection account from a VANCE & HUFFMAN LLC that I have no knowledge of I tried contacting them in 2019 about this issue and told them I was a victim of identity theft and they told me they were going to delete this off my file and have not done it yet. I need this off my credit file because its NOT my account, I have no knowledge of this account. This account was opened without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX 's # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX Bankruptcy # REF : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-07-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While pursuing/applying several times for a refi with Wells Fargo, during the review/underwriting process there denial ( see attached denial letters ) reason ( s ) could have been addressed ( see attached email from title company ) before issuing a denial letter ( s ).

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 2020-10-22
Company: JPMORGAN CHASE & CO.
State: NY
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:
Request for an Appeal I disagree with an outcome of the billing dispute for the amount of {$1600.00} with XXXX, charge been posted on XX/XX/2020 on my XXXX XXXX XXXX account. 

On XX/XX/2020 Ive filed a billing dispute with XXXX for the amount of {$1600.00}, reason for the dispute was Ive returned the merchandise back to the merchant within return policy, yet wasnt refunded. The reason for the return was that the product Ive purchased ( XXXX XXXX  XXXX XXXX XXXX ) had defective matrix. 

The item had been shipped via XXXX Tracking XXXX and delivered as of XX/XX/2020. When I was filing a dispute via the Chase app the only thing the system requested is the tracking information and the date when the item was returned, which had been disclosed. 

Since XX/XX/2020 I havent received any other request for an additional information which clearly shows on my account in Notices and letters sections. On XX/XX/2020 Ive received a letter stating, that the dispute was closed into merchants favor due to the lack of the supporting information. 

Im asking Chase to reopen a billing dispute and consider the documents attached such as but not limited to : ( 1 ) Copy of the Return request form indicating XXXX Return address ( 2 ) Copy of the shipping label indicating XXXX as a recipient ( 3 ) Copy of the tracking information associated with XXXX tracking XXXX Kindly acknowledge the supporting documents attached below and credit back {$1600.00} to my XXXX account. 


Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a medical collection debt on my credit from a Commonwealth Financial that does not belong to me. I have disputed with all three credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me. I have not went to this emergency room that they are claiming and I have never received anything about this debt from the original creditor. Also this would be a violation of Hippa to share any information if it were mine with this creditor. Please delete this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called Chase executive office 6 times today- can not get through. Never hot {$130.00} credit from XXXX XXXX XXXX  and {$340.00} charge is false triple.

Company response to consumer: Closed with explanation