BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-25
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I submitted an application for a credit card with my local credit union, XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA ). I was told that my application was pending and that I would be notified of the response within 24 hours. It is now XX/XX/XXXX and I have heard nothing from the institution. Moreover, the inquiry on my Experian credit report is for an installment loan, rather than a credit card. Due to the inaccurate information reported, I would like the inquiry removed from my credit report at once. Due to the unprofessional conduct of this bank not notifying me for several business days after my application, let alone within the 24 hours stated at the time, this bank should be flagged in the CFPB system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received letter XX/XX/2017 that was adjustment for XXXX $ That amount has been credited to my account as reverse entry. This will appear on my account effective XX/XX/2017. Case : XXXX After I called US BANK XXXX customer service to get explanations For my account balance, they told me I have to call my home US bank, which is located at XXXX XXXX XXXX XXXX, XXXX - UT XXXX ( XXXX XXXX XXXX ) for almost 3 weeks I try daily to know any informations from them, but I got zero result. Every time I call or go there, the cashier told me that the manager is not available, and he is the only one can explain, and answer my questions!! 
Thanks, 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 2018-05-09
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX I was charged by XXXX XXXX for {$3000.00} The services to be rendered was to provide businesses that were actively looking for financing. Leads that were not valid had a return policy with no contract and claims of easy cancellation. The {$3000.00} was prepaying for leads not yet received. Very quickly I realized that the leads were fake and the company had a reputation for selling bad data and bad leads. I immediately sent emails and called the company to cancel our account and discontinue receiving leads. The company either didn't respond or continued to pass me to different departments or people that I needed to speak with. Ultimately as I continued to call the phone number for the company was disconnected and felt there was no other avenue to cancel other than through the credit card ( Chase XXXX ). I began my dispute with Chase. I had several calls back and forth with Chase going as far as three-way conferencing XXXX to show that the phone number was disconnected. They assured me this was a very simple matter and that it would be resolved quickly. On XX/XX/XXXX I received the first official written response from Chase that XXXX claimed that the charge was valid and that I had never canceled the service. The supporting document that Chase sent to me that I have copies of are completely illegible. On that letter that was dated XX/XX/XXXX they gave me a deadline to respond by XX/XX/XXXX which is obviously impossible as the date of the letter was after the deadline. I called Chase again and express my worry that the date of the letter and the date of the deadline didn't match up, and that the supporting documents that XXXX had provided was completely unreadable, and had no way of responding as I did not know what it was that was sent. I was told that they were handling it and not to worry about the mismatching dates. On XX/XX/XXXX I received a letter stating that they had completed research of the dispute and ruled in favor of XXXX. The provided documents did not have any logical response to the fact that I was not able to cancel as I was not able to reach anyone by email or phone through repeated attempts. I called Chase who told me that this was normal and that I simply needed to fax them a letter stating that I would like to reopen the dispute. I did so immediately. On XX/XX/XXXX I received a letter stating that because the original charge was too old they had closed the case and there was nothing I could do about it. I am not after repeated attempts with Chase to get further explanation on the timeline and mistakes contacting the CFPB to help with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I made a payment on XX/XX/XXXX which is being reflected on my account but XXXX wouldnt report the payment and the lower loan balance to the credit bureaus. I have disputed the details of my account and they still did not correct it.

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 2021-03-06
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 information incorrect

Complaint:
I am a full-time dental student and a part-time service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from XX/XX/XXXXto the US Department of Education Default Resolution on XX/XX/XXXX. First, on my XX/XX/XXXXcredit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my XX/XX/XXXX credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by XX/XX/XXXXOn my Equifax credit report, in the payment history, it is reporting XXXX dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by XX/XX/XXXX and XX/XX/XXXX I contacted the Us Department of Education Default Resolution over 15 times in the span of XXXX years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am the account owner and have had American Express for over 5 years now with no late payments whatsoever. I have had an authorized user, XXXX XXXX for over 3 years who also has used the card and made on time payments. 

Starting XX/XX/2020, my authorized user XXXX started noticing their card declining for simple purchases at XXXX XXXX or big ones from XXXX. 

I contacted customer service early XXXX, I was told XXXX ' authorized account might be under review, I contacted the number XXXX and customer care said there's no such thing on our account and everything looks great! 

However his card is still declining and there's conflict of info as some say our " balance '' is too high ( currently only {$2500.00} when we spend over {$6000.00} a month!! ), some say its an account review issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
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 information incorrect

Complaint:
I am a XXXX XXXX XXXX and a XXXX  service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from XXXX XXXX XXXX  to the US Department of Education Default Resolution on XX/XX/XXXX. First, on my Experian credit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my XXXX credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by Experian. On my XXXX credit report, in the payment history, it is reporting 3 dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by Experian and XXXX. I contacted the Us Department of Education Default Resolution over 15 times in the span of 2.5 years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.

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 2020-05-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX and is DOB XXXX please delete the following fraudulent addresses from my credit file : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have phone numbers on my credit file that do not belong to me. Please delete the following numbers : ( 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 i would like a new credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX and is DOB XXXX please delete the following fraudulent addresses from my credit file : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , PA XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have phone numbers on my credit file that do not belong to me. Please delete the following numbers : ( 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 i would like a new credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Saddleback Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company saddleback acceptance repo mycar in 2014 nd was sold but they are still reporting to the bureau companys that the payment is still late i no longer have the car so how is this possible my score goes down 20 points every month this is a nightmare and very unexceptional false information how is this company able to do this.the account is a charge off and is closed but just reported that it went up {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
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: Account information incorrect

Complaint:
My name is XXXX XXXX Phone # XXXX I am filling a complaint against Experian regarding XXXX XXXX # XXXX. 
The date of last activity was XX/XX/2008. This was a foreclosure and is still showing well after the stature on my credit. It was removed from the other 2 bureau but still showing on Eperian. I am trying to get a mortgage and need to understand what's going on. Please explain why u are allowing a account older than 7 years remain on my account. 

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 2022-01-08
Company: CREDIT ACCEPTANCE CORPORATION
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:
All appropriate documentation was mail certified/ uploaded on website and I call the company several times. Not only is this a mental health but actually my time. The money send to get appropriate documents to the credit bureau and too the company and yet and still nothing has been changed. I would like to take the appropriate steps to getting the incorrect information removed and my money back where I send three certified mail to both XXXX and 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 2021-09-14
Company: SYNCHRONY FINANCIAL
State: AZ
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:
I made a purchase on XXXX  marketplace XX/XX/24 for {$2000.00} and {$640.00} ... .I never got my order from the seller, paid with XXXX via XXXX XXXX I submitted all my documentation to the credit card company and they sided with XXXX  ... .saying I violated some term, which isn't the case... .the seller of the items who is a scammer is the one who violated the terms. I have buyer coverage and protection on my credit card and they are not honoring it.

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 2023-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Citizens Financial Group, or Citizens Pay, as it appears in bank statements, has imposed on me what I can only describe as a predatory loan. Citizens partnered with XXXX XXXX XXXX, financing the equipment installed in my home to provide alarm-service coverage. In response to a complaint i filed against XXXX regarding the company 's poor service and its false representations that induced me to sign up, XXXX agreed to cancel my contract on XX/XX/2023. But the company said I remained responsible for paying off the line of credit from Citizens for the equipment. At no point, while i was signing up, was it made clear to me that the equipment could never be returned, even in the event of a contract cancellation or breach. Furthermore, since my initial complaint, the terms of the line of credit appear to have become significantly more onerous. Prior to becoming aware of my complaint, Citizens had been taking {$39.00} a month from my checking account to service the loan, but in XXXX that amount jumped to {$83.00}, an increase of XXXX percent. And the company, without any explanation, sent me a statement showing that the minimum payment due in XXXX would be {$100.00}, or XXXX percent higher than the original monthly charge. Citizens proceeded to draw that amount from my bank account. Also, XXXX 's response letter to my complaint showed me owing a total of {$2900.00} for the equipment, while the Citizens statement listed a balance of {$5200.00}, or XXXX percent more. I have no idea of what the basis for these charges might be -- and I have been unable to get any explanation from the company -- but it's hard not to suspect Citizens is conspiring with XXXX to recoup my lost service charges. From the moment of my first contact with XXXX, in which sales personnel falsely claimed they represented my previous provider, XXXX, through my current dealings with the opaque, rapidly escalating charges from Citizens, i've been misled. I am concerned that Citizens will continue to ramp up its already-excessive charges and terms without any justification or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: VA
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:
Then inquires are too old and not authorized have not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX, I transferred the balance owed to a no interest credit card. I took the amount from my personal page right down to the penny and transferred the entire amount. Now, they're trying to tell me I still owe {$64.00}. I told them to come back to me with aXX/XX/XXXX balance or I would report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: SYNCHRONY FINANCIAL
State: NY
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 have hard inquiries on my report before I was even legal to sign up for a credit card. Now I have hard inquiries that I didnt authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I

n XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I disputed two items in collections on my credit report. After review, the CRA ( XXXX ) deleted the items from my credit report. Fast forward to approx XX/XX/XXXX ; I notice that my credit score has dropped precipitously, so I go to investigate, and much to my dismay, I find that " XXXX XXXX '' has somehow managed to park this deleted item on my credit report with absolutely no notification. The CA also re-aged the debt, stating that the " date opened '' was in XX/XX/XXXX. This is severely impacting my ability to move forward with plans to purchase a house,
and seems criminal in nature.

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 2020-05-05
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:
Someone opened a XXXX account in my name I never opened up a XXXX account because I have a family plan with a next company, and have no idea where this account came from

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