BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an account with Chase bank for a Southwest Airlines Credit Card. The original limit was {$12000.00}. There is an annual fee of {$90.00}. Shortly after charging and collecting the annual fee, Chase reduced my credit limit from {$12000.00} to {$3300.00}. This reduction was executed XX/XX/XXXX of 2020. I had just paid down the balance from {$12000.00} to {$3300.00} from XXXX through XXXX. The reduction in credit limit put me over my credit limit. I called Chase around XX/XX/2020 and they said they ran their random account review and that resulted in a lower credit limit. I asked why the limit was set below the remaining balance as this would put me over my limit and be consider negative on my credit report. They said it would not show on my credit report as they have not reported it to the bureaus yet. I started receiving credit monitoring notifications from multiple sources ( XXXX, XXXX, Chase ) that I had new negative account activity to include a large reduction in available credit ( lost $ XXXX in available credit ) and a card reporting over the limit ( this Chase account at {$3300.00}, or {$9.00} over the limit ). I don't believe companies should be eligible for charging renewals and then drastically cutting credit limits. They should conduct the review and if there is a change in terms then its the consumers option to continue the account relationship at the expense of the annual fee. That is not fair I paid {$90.00} to have my limit cut by over 70 %. Additionally, I was not provided enough time to react to their insane credit reduction to prevent myself from being reported over the limit. XXXX  weeks is not enough time for them to send me the communication and allow me to take action to reduce the balance before reporting me over the limit. I want any reference to being over the credit limit removed from all bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Westlake Services, LLC
State: SC
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: Problem with personal statement of dispute

Complaint:
Westlake financial services repod my vehicle after all of my bills were paid. Even their records show that I have made my payments. My lawyer told me to contact yall and make a complaint for credit report to be fixed. All they did was fix my credit partially. My score only came back up to half of what it was before their mistake.

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 2023-09-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried on several occasions to get a copy of my credit file. I have not been successful in getting any response from the company but they are reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: GOLDMAN SACHS BANK USA
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:
Last year in XXXX I found a fraudulent account opened with my social security number at Apple Card/GS Bank XXXX I filled an identitytheft.gov report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. 

Since then I have been in contact with the other credit bureaus and with Apple Card/GS Bank XXXX I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: LEXISNEXIS
State: IA
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:
XXXX filed a complaint with lexis nexus for illegally obtaining information about me and reporting it to credit bureau concerning a public record.that the company said it verified from the bankruptcy court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery has re aged this XXXX XXXX account. The account was opened in XX/XX/XXXX-XX/XX/XXXX yet they are reporting that it was opened XX/XX/XXXX. In addition they have not sent any information regarding this account and nor have they given me the opportunity to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Paramount Recovery Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive any notice from Paramount Recovery. I recently learned of the account via my credit report. Additionally, they are reporting this account twice. Even more distressing paramount recovery does not specify when they received the account, However, they do mention the account was opened on XX/XX/2022. Which could mean this is when the alleged account would have been opened with the originator. The company also states that the account was past due as of XX/XX/XXXX and only has 30 days of activity meaning there is no way they waited 30 days for a response from the consumer. Past due means late, written off or charged off means collections. They have no right to report this derogatory info on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I submitted a request for transfer from my Bank of America checking account for {$4100.00} to XXXX XXXX XXXX XXXX to be deposited into their clients XXXX XXXX account. The money was transferred via wire on XX/XX/XXXX. The money was deposited by XXXX XXXX XXXX XXXX  into XXXX XXXX account on XX/XX/XXXX. The transfer was intended for XXXX XXXX, client of XXXX XXXX. XXXX XXXX XXXX XXXX  has record of deposit of the transfer into XXXX XXXX account. Bank of America submitted a trace and I was informed on XX/XX/XXXX the funds were not retrieved. Bank of America closed the case. Upon my repeated requests the case was escalated to BofA fraud department. XX/XX/XXXX I was informed BofA once again declined further responsibility to reclaim the funds stating the XXXX XXXX XXXX XXXX  has not responded to their inquiries.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2021 XXXX inquiries : 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 2020-11-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 financed a XX/XX/XXXX used XXXX XXXX  with CREDIT ACCEPTANCE IN XX/XX/XXXX already with a high interest rate and horrible business practice and reporting my information incorrectly i traded in the vehicle on XX/XX/XXXX, with XXXX XXXX, my first payment to XXXX XXXX was due and paid XX/XX/XXXX, CREDIT ACCEPTANCE continues to report to the credit agencies late payments for XXXX, XXXX and XX/XX/XXXX despite receiving the pay off in XXXX, and despite supposedly not holding anyone accountable for LATE payments in XX/XX/XXXX during the pandemic and stated they will not be reporting late payments, even with this in place i made all my payments through out the lockdown including my XXXX payment to avoid this, i have disputed this several times with the bureaus sent in documentation to CREDIT ACCEPTANCE intially i was told it will be corrected and still they are validating the matter with the buraus and refuses to lift these late payments off my report despite its inaccurate ... how can i have a late payment in XXXX or XXXX when credit acceptance acknowledges they received the payoff check XX/XX/XXXX? my payments werent due until the XX/XX/XXXX of every month i spoke with a XXXX  at credit acceptance in the escalations department who tries to justify this by stating they report at the end of the month, which still wouldn't give an explanation for a late payment for XXXX this is heavily effecting my credit and they refuse to acknowledge their error of fix it. my relationship or legal obligations ended in XX/XX/XXXX and they still report a late payment for XXXX and XXXX as well as XX/XX/XXXX who intially claims they will not do my understanding is that CREDIT ACCEPTANCE IS currently being sued for these illegal practices and im willing to join the class act lawsuit because i have documentation of all my on time payments and proof this contract was terminated prior to the dates they are reporting

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 2022-04-23
Company: EQUIFAX, INC.
State: CO
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:
Account XXXX XXXXXXXX XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX XXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
MoneyLion chooses not to follow EFTA federal law. On XX/XX/2020 tried to withdraw {$120.00} at atm. ATM showed message on screen ( as best as I remember ) saying error contact your bank or card issuer. I received {$0.00} ( XXXX/nothing ) of the {$120.00}. However it still was deducted from balance. This happened to me once before and that time it was corrected quickly itself. So I waited before contacted MoneyLion in hopes it would resolve itself again. But it didnt therefore I filed a dispute claim on XX/XX/2020 by phone then per MoneyLions request signed & completed their dispute form and sent via email on XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX sent numerous emails asking for update and asking why if not claim wasnt completed why I hadnt received a provisional credit after 10 days per EFTA federal law? But never once received an response back. Called on XXXX XXXX and 1st representative repeatedly said Id receive a provisional credit on XXXX XXXX. No help. Called back and asked to speak to a supervisor but representative said she needed know why before speaking to a supervisor. Explained everything. Representative said same thing as 1st representative but she stated I wasnt eligible for provisional until XX/XX/XXXX ( Ive had this account for 4 months so I wasnt a new account ). I asked why MoneyLion wasnt following EFTA federal law? Representative only repeated herself about not being eligible till XX/XX/XXXX. I never spoke to a supervisor and hung up on representative out of frustration and anger. This is an atm error. So now I cant pay my electric bill which was due over 2 months ago! Very disappointed with MoneyLion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: LFG Data Services Holdings, LP
State: AL
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: Public record information inaccurate

Complaint:
XXXX, XXXX and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified through XXXX XXXX and/or LCI. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX Does not have it listed and LCI can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPTCY COURT which in my letter it states that the bankruptcy courts DO NOT VERIFY, VALIDATE, or REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Financial for 5 years charged me almost a combine {$9000.00} in credit card insurance fees. After I figure the issue out they I approached the bank and they returned the money without interest. However, Synchrony Financial removed money from my payments over a 5 year period. Money that should have gone to paying off the principle of my debt. By doing this SF profited off of the misappropriation of my payments somewhere in the amount of {$6000.00}. So while SF was holding money that belonged to me they were simultaneously charged me interest. When I approached Synchrony Financial regarding this issue they paid off the remaining balance of the credit card of XXXX. Then after all that they sent me a XXXX Cancellation of Debt. Never, not once was there any mention of discharge of my debt rather that SF would return a small portion of the money they essentially stole from me by paying the remaining balance of my card. 

I have all the calculation when you are ready to see 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 2020-12-01
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: Was not notified of investigation status or results

Complaint:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE

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 2022-07-10
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX Account # 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

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 2023-03-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
From XX/XX/2011 and on Wells Fargo charged my checking and saving accounts overdraft fees of {$35.00} when my savings account wasnt insufficient

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 2023-03-28
Company: EQUIFAX, INC.
State: AZ
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 XXXX  Accounts listed below, have 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Products were ordered from the vendor in XXXX of 2021. 
Products were to be shipped and received by XX/XX/2021. 
Items were not received at that time. 

Attempted cancellation with vendor after 2 weeks delay. Vendor refuses cancellation. Asks for patience. 
Items received on XX/XX/2021. 
XXXX XX/XX/2021 via USPS, and was received by the vendor according to USPS tracking on XX/XX/XXXX. 
Multiple calls to the vendor requesting refund " yes, it will be refunded '' still has not been processed. 

When attempting to reach out to their allied financial institution ( Comenity Bank ), and attempting to raise a credit card dispute, Comenity interfered and refused to process or take information relating to the fraud / dispute, on 3 occasions ( on XX/XX/2021 ) - representatives were unwilling to process the complaint, and proceeded to disconnect the call. 
The only general contact information for Comenity aside from the vendor card is a debt-collection agency, which reportedly has no account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-03-04
Company: Security Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed something wrong on my credit report I notice a company by the name of Security Credit Services was listed and stated that the account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them {$1400.00} which is not true at all, I have no clue of what this is.So I sent security credit services a dispute letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt, there is nothing with my signature on it making this phony contract legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: TX
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/ExperianXXXX  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 the account that are reporting on my Credit Reports : Account ; XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}.

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 explanation