BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX Credit report there are Two hard inquiries One is XXXX XXXX Credit on XX/XX/XXXX TjMaxx Credit card Both from Sychrony Bank SYNCB/TJX Dual Card XXXX Fl XXXX I did dispute the XXXX  XXXX one and got confirmation # XXXX As well as called them and disputed the other one both being fraudulent! 
When I log in to check your status of dispute it says there is no indication of this number The other hard injury XXXX  Credit Report Onsite Manager Miscellaneous Reporting Angency XX/XX/XXXX and reported on XX/XX/2018 That one has no other information to call and dispute Both of these are fradulent and I did not open nor authorize them Its been over 60 days when I was told it would be taken care of or I would get a letter. Which I have from Stchrony bank but its still on my report. The first time I reported it it was XXXX they told me they would make note of that now again an Tjmax card was opened in my name without there being any warning! As told by SYCHRONY Bank Fraud department This is identity theft and I would like to dispute all three hard injuries as I had no consent in opening or allowing this to happen.

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 2021-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After many many times explaining to Equifax and speaking with the fraud department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Experian Information Solutions Inc.
State: CT
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 have sent 4 letters on XX/XX/2018,XX/XX/2018, XX/XX/292018, XX/XX/2018 all certified mail. 
According to the Fair Credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified  accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Verify or remove accounts listed. Thank you for your prompt assistance in this matter.

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 2021-04-09
Company: Premier Student Loan Center
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX with PREMIER STUDENT LOAN CENTER emailed me for months about my payments of {$230.00} and {$40.00}. When I looked at the news and realized this company was getting sued for fraud the emails from XXXX stopped. I want to know what I can do to receive my money back as I need it for my masters.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-22
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:
Please remove these accounts which were closed and fully paid but still being reported as late payments on my credit report.. I contacted the credit bureaus hoping they would be able to help me fix this but they did not..CFPB please step up XXXX XXXX CR XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I received a letter a of debt validation in the mail for Nationwide credit & Collection INC. Upon further research, the debtor could not provide original contract or signatures. The letter which was sent in the mail to me shows a " Statement '' of an account. It does not show an original contract with my original signature. This debt does NOT belong to me. Debtor 's creditor did not verify this collection with original SIGNATURE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Nationwide credit & Collection , INC, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
none of the paper work has my name, its 2 different incorrect spelling of my name, which is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
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 status incorrect

Complaint:
Please remove this account from my credit report XXXX  BK XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There is a 30 day late payment reported on my Experian and XXXX  report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by XXXX XXXX  on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years. 

Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue. 

Contacted bank again that day, was told need to escalate case will hear back in 24 hours, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute. 

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.

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 2021-10-12
Company: JPMORGAN CHASE & CO.
State: FL
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:
We submitted a dispute with Chase bank for the sum of {$10000.00}. We made a purchase from a supplier on XXXX and the supplier never sent out the items. After several attempts to have them send it out, they refused to send out the items. We provided Chase all documents showing the supplier would not send out the items and we were protected under the Fair Credit Reporting Act as the under the Fair Credit Billing Act ( FCBA ), ( 15 U.S. Code 1666-1666j ), if the merchant is unable to ship within the promised time, it must notify the purchaser by mail, telephone, or email, give a revised shipping date and give the purchaser the chance to cancel for a full refund or accept the new shipping date. The merchant also must give the purchaser some way to exercise the cancellation option for free. If the merchant can not meet the revised shipping date, it must notify the purchaser again by mail, email or telephone and give the purchaser a new shipping date or cancel the purchasers order and give the purchaser a refund. Chase refused to honor our dispute and sided with the merchant despite them still having all the supplies and never sending them out. Originally, they stated that since we only paid a deposit, we had to pay the rest. However, the merchant stated they would not send the items and it has been several months since they were supposed to be delivered. The items can no longer be sold. Chase told us to submit another dispute stating we wanted to cancel the items. We submitted the second dispute. Chase immediately denied the dispute stating we have a valid claim but have to sue the merchant as they will not honor the dispute. We would like Chase to follow the FCBA and protect us as consumers before we begin our process of initiating our lawsuit. Please return the chargeback amount of {$10000.00} as we are not responsible for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: CO
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 and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I called XXXX XXXX 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 however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this account is still reporting. I have consulted with the Attorney General of California and know that this debt is past the statute of limitation in California. You can not enforce, collect or sue for this debt making it invalid. Reporting invalidated information on credit can constitute fraud under both federal and state laws. I ask that you remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There is a 30 day late payment reported on my XXXX  and XXXX  report and a 60 day on my Equifax. I believe this report is in error. I have reached out to Disputes PO box provided by XXXX XXXX on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.
Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hours, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then tr
ansferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and
" we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be
connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit line to purchase XXXX equipment from XXXX was opened fraudulently in my name with Citizens One Bank. I first noticed this fraud when I received an order confirmation ( XXXX XXXX Confirmation # XXXX ) from XXXX on XX/XX/2021 for two XXXX in the amount of {$880.00}. I immediately contacted Citizens One to report the fraud. I repeatedly followed their instructions to receive a " Fraud Investigation Kit '' but they continually failed to actually deliver the materials. 
On XX/XX/2021 I sent Citizens One a letter following the instructions of the FTC Identity Theft website. 
After multiple calls and other correspondence, I received the fraud reporting kit from Citizens One on XX/XX/2021. I returned it via US MAIL that same date. 
I have received no response to the fraud report submitted on XX/XX/XXXX. Citizens One has reported a delinquency to credit bureaus under my name. 
At no time did I EVER order anything from XXXX, EVER apply for credit from Citizens One or EVER receive any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: INTERCONTINENTAL CAPITAL GROUP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started working with XXXX XXXX in late XX/XX/XXXXwhile I was XXXX. At the time he was working at XXXX XXXX and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXXXX/XX/XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX  county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XX/XX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left XXXX XXXX in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX XXXX program so he 'd given my loan to XXXX XXXX at XXXX XXXX! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. The said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XX/XX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I called XXXX XXXX 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 however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2018-10-22
Company: Credit Karma, LLC
State: AZ
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:
Owed {$500.00} debt with XXXX XXXX XXXX  and was sued by XXXX XXXX for {$2300.00} I never knew about court until my employer received garnishment of wages, I settled to pay {$2200.00} with XXXX XXXX before garnishment took effect. First payment XX/XX/2018 of {$1000.00} and second payment for {$1200.00} on XX/XX/2018. I paid XXXX XXXX firm early on XX/XX/2018 {$2300.00} because second payment I made on online with XXXX XXXX would not let me choose amount of {$1200.00} as aggreed on a recorded line. When I called lawfirm they said didn't matter and I wouldn't get a refund since I owed that debt anyway regardless of what was agreed to.I disputed multiple times with 3 major credit bureaus debt was settled but XXXX XXXX keeps reporting debt is negative and keeps coming back as I am responsible. Debt was paid off in XX/XX/2018. My husband was also sued for same debt through XXXX court, he also shows on his credit reports that it is delinquent for {$7200.00} larger amount than what we were sued for and owed. I was fired from employment due to this mess and unable to get credit or loan due to lien/ judgement against me on my consumer reports.

Company response to consumer: Closed with explanation