BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/ a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
I had a verbal agreement with XXXX/Synchrony Bank to close the account and pay {$50.00} a month for 48 months ( interest free ) to clear the account. They never told me or send me any written agreement of the condition of the arrangement. After making few months payment I somehow missed a payment and they immediately cancel the arrangement without notifying me and started charging interest and late payments fee and cause a past due balance of {$290.00} which I made for 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 monetary relief
Consumer complaint received 2020-10-22
Company: Experian Information Solutions 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:
My identity was stolen and I have received an updated credit report and have found several fraudulent accounts reflecting my credit file. I have been an victim of identity theft since 2012. Whomever has stolen my identity has also filed taxes using my identity. And has since still been using that information, apparently they are unaware that the last name & information that they are using is inaccurate information & my last name is no longer the last name that they are opening accounts in. My social security number is the same, so company 's have connected account to my current information. 

XXXX XXXX XXXX  : XXXX, I submitted documentation that proved that this is not my account. 
( Original Creditor : XXXX XXXX ) XXXX : XXXX. I submitted documentation to prove that this is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX, I submitted an dispute to this company to removed this account due to identity theft and the company never responded.

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 2023-11-24
Company: Payfare International Inc.
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I got scammed online by a company pretending to be XXXX XXXX XXXX XXXX, I didnt actually see that anything was purchased, but the funds came from my account... I've been trying to locate the fraudulent company, but I'm not finding anyways to contact them, everything is telling me to ask my bank for a refund.. my bank keeps telling to go to the merchant, when there is bo merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: DISCOVER BANK
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: BARCLAYS BANK DELAWARE
State: TX
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 recently disputed a charge posted on my account dated XX/XX/XXXX, totaling {$210.00}. XXXX originally flagged a transaction for XXXX XXXX totaling {$170.00}, located in California ( I reside in Texas ). Upon reviewing my account, I noted a charge for {$210.00} to XXXX XXXX XXXX XXXX was not recognized. Barclays noted the tickets at XXXX XXXX XXXX had been used and would not provide charge back the money despite it being fraud. 
On XX/XX/XXXX, I reached out to XXXX. They were able to provide me information on the business and the email address used. The business was XXXX XXXX XXXX, located in California. The email address used was XXXX. Upon receiving this information, I reached out to XXXX XXXX who stated they thought the transaction was fraud. 
Further research showed the email address used to purchase the ticket does not have an active domain. Additionally, XXXX XXXX is XXXX minutes from the fraud in California that Barclays acknowledged was fraud. On XX/XX/XXXX, I was seeing a movie in Texas. 
On XX/XX/XXXX, I faxed Barclays a copy of all of the information I had compiled. This included the emails from XXXX, the acknowledgement of fraud from XXXX XXXX, the red-flags concerning the email address, and the close proximity of the disputed transaction to the fraud at XXXX XXXX 's. Additionally, my XXXX credit card statements showing I was in Texas at a movie theater on XX/XX/XXXX. 
Despite sending the fax at my own expense and calling them, I have not received any updates. Barclays has stated I will need to call in periodically. They do not seem to be able to reach out and I find it frustrating I had to call in to confirm they got my fax.

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 2023-02-28
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The IRS sent XXXX dollars to my chime checking account on XXXX XXXX XXXX and I have emailed chime support over and over asking where my tax refund money is and they're not giving me a clear answer or resolving my issue with my IRS Tax refund deposit of XXXX. I need to know where my money is as it was sent to my chime bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls me AT LEAST once a week and threatens to sue me for my uncollected debt. They call and dont announce themselves just ask to verify my birthday and address in a very non-secure manner. Theyve used abusive and explicit language on the phone with me over the past 1 year and continue to call me although I do NOT have a sign contract or agreement with their company. Ive told them to leave me alone and they continually harass me. I need to leave me alone so I can have some peace of mind. 

Theyve also assigned my minor account over to an attorney over our disagreement but once again I DO NOT have an agreement or contract with Portfolio Recovery so I have no idea why theyre calling me harassing me trying to collect money that isnt owed to them. When they bought my debt from Capital One it became their problem, not my problem anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Specialized Loan Servicing Holdings LLC
State: UT
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:
Specialized loan Service is reporting a late payment on my credit file on XX/XX/XXXX. Due to unforeseen circumstances surrounding the pandemic of COVID19 & the lack of hours provided by my employer, I was severely financially impacted. I have had this account since XXXX and I have NEVER been late. Unfortunately, this pandemic was unforeseen by this country and it's pretty sad that after such a long time in good standing and making my payments on time you would report a late payment caused by natural disaster. I plea with you as a one time courtesy to remove this late off my credit file.

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 2023-02-20
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
There is a new company, Jefferson Capital Systems called tried to collect a debt. this company reported the debt collection to XXXX for the third time. The original company is XXXX. XXXX has also reported the debt collection and has My credit score has been affected several times for the same debt. The last time was this month, XX/XX/2023. I do not think that the companies have the right to affect several times for the same debt. Now, Jefferson Capital Systems has reported as new debt starting 2023. I think that they are trying to force to pay. The original debt was created because XXXX was charging for services that I did not request. I had to spend hours on the phone to clear those charges. I got sick and had to cancel the services. Once, I canceled the services, XXXX was not able to charge for services not requested like Music subscription. In fact, I am about to file a law suite against XXXX. At this point, I want to stop the same debt being reported several times to my credit report. 
I have documentations for the communications in writing asking XXXX to stop charges for services not being requested. I can show that my credit report has the same debt more than 3 times in different periods, reducing my credit score multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Upgrade, Inc.
State: GA
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:
ATTENTION : THE FOLLOWING CREDIT REPORTING COMPANIES ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ; XXXX XXXX XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

UPGRADE INC, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

THE FAIR CREDIT REPORTING ACT 623. Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate Unfortunately this is not the first instance of negligence I have experienced as creditors and credit reporting agencies are often negligent and fail to report or update my credit file on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: SC
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 check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT EDXXXX : XXXX DPT ED/XXXX : XXXX XXXX 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 2020-02-18
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I wrote a certified with returned receipt letter to Merchants Credit Guide in reference to a bill for the amount of {$1300.00}. As the Fair Debt Collection Practices Act ( FDCPA ) they are not allowed to report this to the credit bureaus until I verified this account. 

My credit report is showing an unverified and invalidated information for the amount of {$1300.00}. As under the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ) they are in violation of the act. 

I never received a letter of verification with my signature on it from Merchant Credit Guide to pay them. In addition I requested them to provide me with patient 's authorization signed by me from XXXX XXXX XXXX. Instead they sent me a an itemized bill/charges with all the XXXX information included. Attached you will find what it was sent to me in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2022-03-03
Company: Experian Information Solutions Inc.
State: MI
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 been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : 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 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 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 2023-02-04
Company: Synerprise Consulting Services, 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 status incorrect

Complaint:
Medical debt collection under {$500.00} still reporting to my credit. Per new laws as of 2023 all medical collection account under {$500.00} should be removed from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
XXXX XXXX is reporting into Experian Rentbureau inaccurate information that was removed from my Experian report due to Identity Theft in XX/XX/XXXX and XX/XX/XXXX. I was denied housing on Friday, XX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted XXXX XXXX. They advised Accounts # XXXX XXXX XXXX XXXX {$490.00} # XXXX Commons of XXXX XXXX {$150.00} # XXXX XXXX XXXX Apartments {$180.00} were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.

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 2023-03-08
Company: Self Financial 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF FINANCIAL INC/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
the bankruptcy is reported as discharged however the case was dismissed as incomplete information and never the bankruptcy never happened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX set collection company keeps calling and sending me letters. The Old Navy debt is over XXXX XXXX XXXX. This has been a discharge, but they keep attempting to collect. 
They have called me non stop, at least XXXX calls a day. I feel harassed. I have asked them to stop calling me, they send letters, they continue to call. I have blocked them and they call on other numbers.

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