BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2022 I called the credit card company to make my monthly payment that it was due for the next date XX/XX/2022. I attempted to make the payment 2 time and the computer machine was saying that I was unable to make payment, so I called the credit card at customer service and I was told that they see that I tried to make the payment and I was told ( by customer service ) that I have problem with my bank XXXX Bank XXXX XXXX ). 
I called my bank and they told me that the credit card took the money ( XX/XX/2022 ). 
I called back the credit card company and I told them that they took the money already and they said that they did not receive the payment and I have been confused with who said what, because the bank said they did the payment and the credit card stated that they did not receive the payment. 
I received the statement from my Bank and I saw that they did not took the money on the XXXX of XXXX so I called back to make the payment again on the XXXX and I was told that they are going to remove the late fee and the interest, but they did not took the late fee or the interest. 
On XX/XX/XXXX, XXXX I make another payment ( instead of the XXXX ) and they are keeping charging me for the late fee and the interest ( when it was not my fault that there computer was not working ). 
I always pay my credit card earlier than the due date.

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 2018-05-22
Company: Experian Information Solutions Inc.
State: IL
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:
Despite a written request to Experian that they are reporting inaccurte information on my credit file, Experian refuses to do a complete and accurate investigation. My last dispute to Experian was sent onXX/XX/XXXX. Experian received my dispute by certifed mail on XX/XX/XXXX. Experian has not sent me back a response within 30 days after receiving my dispute. Experian is reporting a Chapter XXXX bankruptcy in my credit files. I have never filed bankruptcy.

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 2022-12-16
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Selene Holdings LLC
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 status incorrect

Complaint:
This is my second complaint against XXXX XXXX and its practices. The second complaint is that XXXX XXXX still hasn't updated our credit with the three major credit agencies XXXX, XXXX and XXXX. There records don't show any updates or record of mortgage payments made. XXXX and there Corporate Staff Attorney wrote to an investigator from the XXXX XXXX XXXX and XXXX stating that XXXX sent notification to the credit agencies and to let 15 days pass from XX/XX/2022 so the agencies can reflect the adjustments to my mortgage payments made. In other words my credit should show current and not delinquent. I was surprised to hear that my credit is still in negative standing. Once again irresponsibility on XXXX 's part this is unbelievable, unprofessional and unethical. Fighting to keep my home as they never processed the payments right, and threatening us with foreclosure and with the help of the CFPB and the XXXX XXXX XXXX XXXX XXXXXXXX it was all taken care of. I know through experience this takes time to take care of but time is of the essence, I have XXXX loans to apply for and other personal matters that my credit needs to show that I was always current. XXXX has failed to show proof after they sent me a letter stating that they did. I need this resolved!! 
Thank you once again XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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 ( FCRA ) this creditor has violated my rights for this account : XXXX  XXXX XXXX XX/XX/2022 Stating that it past due of {$65.00} as of XX/XX/2022 which is reporting inaccurately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license with current proof of address on it to this complaint for faster processing.

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 2021-07-21
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted Early warning systems almost 10 days ago and requested a copy of my consumer report. I requested this report through their portal. I have yet to receive a response from them. I have a right to this information. If they can supply this information to a bank instantly then they can e-mail, mail, etc me by now. Its clear from the attachment that I requested this report on the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CITIBANK, N.A.
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:
15 U.S. Code 1666b Company did not mail or deliver bill within 21 days before the payment due.

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 2023-04-18
Company: CCS Financial Services, Inc.
State: OH
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:
Credit Collection Services ( XXXX XXXX ) XXXX XXXX XXXX, XXXX, MA XXXX Date XX/XX/23 File Number XXXX XXXX XXXX Amount of Debt XXXX Paid off reference Number XXXX Although this account isn't mine, but was for another individual car insurance, I gave permission for them to transfer the policy into the other individual name. Which was not done. Now a collection was put on my credit reports, in which the the full balance of XXXX was paid. I contacted Credit Collection Services regarding the payment was made and can it be removed off my account which went down XXXX. I was told they can not remove it, but to contact the bureaus to request for removal. I put in a dispute with XXXX  requested for " goodwill deletion '' twice which one is in dispute again. I contacted XXXX in which I was told the company would have to remove it. Now both of them giving the run around to remove this report which is paid, they put it on my account, but can not remove it? Nor can the credit bureau? For XXXX XXXX to keep the account in my name when I have no vehicle. As well sent a new policy for the individual to sign up. Not my name but in the individuals name. Yet my credit is affected. Request for it to be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a claim with Chase bank on XX/XX/2018 because I made a purchase to a company called XXXX XXXX on XX/XX/2018. Since the company did not deliver all of my product, I filed a claim with my bank informing them that I have not received my product. On XX/XX/2018, Chase reversed the claim stating that they received information from the merchant stating that the provided the product, however I provided proof that the merchant agreed to refund the money, and they still will not refund my money. Chase claims team is incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX open date XX/XX/2019 would not submit certificate of peer ship of debt with live signature proving ownership of debt XXXX XXXX XXXX XXXXXX/XX/2019 improper dates and balances are on my credit 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 explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE REACHED OUT TO ALL REPORTING COMPANIES ASKING FOR A SIGNED CONTRACT, AND I HAVE NOT EVER RECEIVED ONE. WE I CONTACT THESE COMPANIES ON THE PHONE AND IN WRITING WITH MY REQUEST THEY NEVER RESPOND WITH A SIGNED CONTRACT. THERE IS NO PROOF ( WITHOUT A SIGNED CONTRACT ) THAT I AGREED AND THAT I AM RESPONCIBLE FOR THESE DEBT '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 2021-12-08
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
On XX/XX/2021 I contacted Genisis FS Card Services/Indigo regarding fraudulent charges in the amount of {$300.00} which has impacted payment amounts, future credit, and credit scores. There were XXXX charges made to XXXX from my Genesis FS/Indigo Master Card. On XX/XX/2021, in the amount of {$100.00}, and on XX/XX/2021, XXXX charges in the amount of XXXX each made the total charges {$300.00}. All amounts were charged to my card ending in XXXX. Once discovered, this matter was reported to the credit card issuing company on XX/XX/2021. The credit card used for the transactions is no longer valid. I have never used XXXX services to purchase any items and never received any fraud alerts from the company. {$300.00} was transacted consecutively and as a customer of Genesis FS/Indigo, this activity was not routine according to my account history. However, the charges remain on my account and although the company states that I am not responsible, my minimum payment amount is higher due to the fraudulent charges, future credit, and credit scores have been affected. I am requesting the {$300.00} to be removed from my account while their investigation takes place. On XX/XX/2021, I made a minimum payment of {$40.00}. I have also contacted XXXX and shared my concerns regarding the fraudulent charges in hopes they will cooperate with the investigation to remove the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-07-23
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I would like to report a Fair Credit Reporting violation. 

My XXXX XXXX XXXX balance for XX/XX/XXXX was {$6100.00}. 

The XXXX XXXX XXXX Account deleted from Experian credit file : XXXX XX/XX/XXXX ; after numerous disputes. 

The XXXX XXXX XXXX account was re inserted into my credit files XX/XX/XXXX, over one ( 1 ) year after the deletion of XXXX XX/XX/XXXX. 

The re insertion included a higher balance than the original balance of {$6100.00}, XXXX XXXX XXXX reported to credit bureaus. 

The re insertion balance increased to a balance of {$6600.00}. 

I received no notice of XXXX insertion of this account from Experian, XXXX  or XXXX XXXX XXXX for the XX/XX/XXXX XXXX insertion of the " deleted '' XXXX XXXX XXXX, previously disputed late payments/repossession.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: TX
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 complain about Experian 's failure to remove inaccurate and unverified items from my credit report despite my submission of all necessary documentation, including Identity Theft affidavits and police reports. The items in question are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Furthermore, I am concerned that Experian may be in violation of the Fair Credit Reporting Act by not properly recording and considering the documents I have submitted, and by potentially disclosing my personal information to the companies in question during the dispute resolution process.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX invoices were sent

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 2021-03-17
Company: TRANSWORLD SYSTEMS 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:
I am writing with reference to my XXXX XXXX from XXXX with XXXX XXXX serviced by University Accounting Service LLC, XXXX XXXX XXXX, XXXX, WI XXXX. This loan is being incorrectly reported by XXXX. I have tried to resolve this with XXXX, UAS and XXXX without success. This loan became delinquent in XX/XX/XXXX ( 19 years ago ). About 1.5 years ago, UAS took over servicing of this loan during a merger/acquisition with another student loan servicing entity. In the process, UAS changed the account number on this loan and began to report it as having become delinquent in XXXX. Thus far, XXXX has not responded to my correspondence, while XXXX and UAS responded in form only. When I call to follow up on my written complaints, XXXX insists that they can not do anything and it is all in the hands of UAS. UAS tells me that only the designated account representative can address my concerns, refuses to provide the individual 's contact details, and advises that the individual will contact me directly ( no one has done this over the course of several months ). My most recent written dispute in this matter with XXXX  was filed on XX/XX/XXXX. The most recent phone call with them was today, XX/XX/XXXX and I was again informed that UAS continues to maintain on behalf of XXXX XXXX that the reported information concerning the loan 's delinquency status is correct. The original loan amount on this account was {$7500.00}. The outstanding principal since XX/XX/XXXX was unchanged at {$2200.00}. The loan was transferred through consolidation to XXXX on XX/XX/XXXX and is now current. It is my belief that UAS purposely " re-aged '' this loan as a tactic for collecting payment and now does not want to address this, because they have been paid in full through the loan consolidation with XXXX and because they are aware that they have committed an unlawful act by re-aging the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First I want to specify that this is not a duplicate so please stop the discrimination because my complaint isnt the addressed you are to continuing to let this company take undue advantage of me because of my race. They did approve a deferred payment on XX/XX/2019  and did not apply that payment to the end of that loan and are asking money because they didnt do what they said they would, now you need to make them send me in writing a retraction if they continue to refuse to correct my account information. This is direct and out discrimination and I can not believe you as a regulator think it okay for Capital One to collect double payments. Fine this company and correct discrimination. Please do your job as this is wrong, wrong ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive been part of the Equifax data breech. Ive been trying to fix this situation since XXXX of 2022. I have contact Equifax about this situation. I sign into there website to find out if I have been impacted I put my info in and I have been. I reached out to Equifax and they claim I have not been. I have the proof.

Company response to consumer: Closed with explanation