BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  and Experian should not be reporting me as an authorized user on the XXXX XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this item however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is seriously harming my credit score and this line item need to be removed from 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 2021-04-19
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sent {$130.00} to my credit and i had medicaid insurance at the time to cover my medical expenses

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a {$200.00} payment from a bank account i was having issues with ( since closed ) which caused a late payment XXXX XXXX 2020 period ) and I immediately paid the {$200.00} in two payments of {$100.00} from my other bank. I sent paperwork from closing account via secure message showing the 200 should not have been returned, which they stated they received. The {$200.00} was above the amount due. Chase in turn closed my credit card account due to my credit report ( which I am disputing some incorrect information items. ) I asked them to reconsider and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I was contacted by Wells Fargo and informed I was affected and denied modifications. I want to participate in class action lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILYXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra vioilations RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX  fcra violations not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX contacted alliance one told them I was in bankruptcy they basically said have my lawyer call them I do not know of this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: MD
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:
All consumer reporting agencies are reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, all consumer reporting agencies are reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent in a dispute letter to all Credit bureaus Experian, XXXX, and XXXX on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

XXXX  - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.

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 2020-12-07
Company: ERC
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:
On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Sams Club credit card, and the interest rate was not given at time of application on XX/XX/19. I received my credit card with its information on XX/XX/19. I became aware that it has a 25 % interest rate, which is much higher than many other credit cards that I have. On XX/XX/19 I attempted to speak with a customer service representative to request a lower interest rate. They stated that they couldnt do anything for me.

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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
This is not a duplicate complaint as Transunion keeps changing the rules of the Fair Credit Reporting ACT, see enclosed letter to Transunion that they need to answer as they have sent responses that contradict each other, as they have sent misleading letters

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 2019-06-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got behind on my payments. I called Chase on XX/XX/XXXX to renegotiate my payment amount. I was told that I could do that and was told my payment would change from XXXX  XXXX/month to XXXX XXXX/month. I was also told that for credit reporting purposes I would be shown as current. I understood this to mean that the late payment information would be updated and no longer show missed payments. I called back on XX/XX/2019 to find out why my credit report still showed that I was late. I was told I had to make 3 consecutive payments for this to occur. In XXXX, after having made 3 consecutive payments, the credit report still shows that I am past due by 90 days. On XX/XX/2019 I received a letter stating that my payment had not been received for XXXX when it was made and recorded on the website as of XX/XX/2019 at the new agreed upon amount. I called on XX/XX/2019 and XXXX ( employee id # XXXX ) told me she would review the call log and get back to me. She was going to research the phone log and find out why I had been told that my status would be updated and then it was not. 

On Monday XX/XX/2019 I called back again. Only the XX/XX/XXXX call was reviewed and not the XXXX call. Account still shows over {$500.00} past due and it should show as current as of XXXX as agreed. 

Additionally, Chase had a name change to JPMCB and this resulted in a 1 point drop in my credit rating. Their name change should have NO impact on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
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: Information belongs to someone else

Complaint:
This is my other 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  Balance : {$660.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I had a procedure performed by XXXX  XXXX c/o XXXX XXXX XXXXXXXX for XXXX XXXX XX/XX/XXXX I had not received a bill and I reached out to XXXX XXXX XXXXXXXX by phone and spoke to Team Leader XXXX XXXX XXXX I communicated that my insurance company had been billed {$17000.00} and that I had not received a bill. I communicated that {$17000.00} far exceeded the amount I had agreed to prior to the procedure. XXXX told me not to worry about it, that {$17000.00} was an incorrect amount and they just sent that to the insurance company. I requested that a bill be mailed to me. 
After the call XXXX then emailed me a partial Account Review summary via an insecure email. The Account Summary appeared to be incomplete as the Insurance billing portion was cutoff. 
No bill came in the mail ever. 
I called back and I requested no further emails since the email was insecure. They told me a bill would be mailed. 

XX/XX/XXXX I spoke to a XXXX at XXXX XXXX XXXX, because no bill had been received. I informed him that an insecure email was sent with a partial summary on XX/XX/XXXX, but no bill was received. 
Called back and spoke to XXXX on XX/XX/XXXX and spoke with XXXX. I informed XXXX I dispute the amount, since no bill had been received, and they had billed my insurance {$17000.00}. 
Since I never received a bill and it appeared they were billing my Insurance {$17000.00}, which was egregious and conflicted with the amounts initially disclosed. It showed a balance of {$1700.00}, but it was not complete and the insurance part appeared to be cutoff. 

XXXX A {$200.00} check was mailed with the memo -Paid in Full- I had openly disputed the amount with them on XX/XX/XXXX and mailed the check on XX/XX/XXXX to XXXX XXXX PC of XXXX, IL XXXX This information was obtained from the partial Account Summary I received on XX/XX/XXXX. 

The {$200.00} payment in full cleared my checking account on XX/XX/XXXX. 

I received a collection letter from IC System for this account. The {$200.00} payment is reflected as being received and applied to a {$17000.00} balance, showing {$16000.00} as in collection. The procedure never, never was supposed to {$17000.00}. 
The doctor even apologized to me after the procedure, because he could not keep future appointments and said he had resigned and all of his staff had quit.

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 2021-07-10
Company: SN SERVICING CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted SN SERVICING CORP in XX/XX/2021 after discovering the error concerning my Mortgage terms on the amount of years and the principal balance. 

I received the SN Servicing response on XX/XX/2021, SN Servicing agreed with my concerns and stated that their records indicated that my mortgage balance was {$74000.00}. 

However, when i requested a payoff up to XX/XX/2021, the customer service rep immediately got flustered and place me on hold for an extended period of Time, when she returned to the phone she stated my balance was over $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
HI I have some items on my credit file that is on their and I need deleted. I seen these items on my report. I am also am a victim of identity theft. And these things on my report I did not charge or open. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I will hope you remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. I am father of XXXX kids and these fraudulent items will hurt me to provide as father. so please help me while I move froward with helping my family thanks

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 2023-07-16
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a PayPal Mastercard through Synchrony bank. When the account was opened the credit limit was set at {$650.00}. I have not gone above the credit limit. ALL payments have been made and made on time. 
The card currently has a balance of {$160.00} on it. Synchrony randomly, without warning, dropped my credit limit to {$180.00} leaving an available balance of {$14.00}. This WILL NEGATIVELY affect my credit score as it now looks like I have maxed the card out ( credit balance to utilization will be seen as too high ).

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 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AN /XXXX XXXX XXXX They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

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 2019-06-10
Company: LEXISNEXIS
State: MA
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:
There is a public record on my credit file that does not belong to me, My name is XXXX XXXX not XXXX XXXX, and that public record has another persons name on it. I want the data furnisher which is not the court, to explain to me why is this public record on my credit file and where did they get it from. My credit file says that the company providing the bureaus with this public record information is called Lexis Nexis. I dont know who this company is and I dont know how this public record was put on my credit file. The FCRA states that a consumers credit file need to be 100 % correct without any errors. I want Lexis Nexis to delete the public record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: WI
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:
Equifax is reporting a bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. Equifax is falsely stating this information on my credit report and yet to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 US Bank Locked my account several fraud speacilist and bankers have tried to remove the fraud alert and give me access to my account but everything has failed!

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 2021-04-09
Company: EQUIFAX, INC.
State: OK
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: Problem getting your free annual credit report

Complaint:
I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I need for the items on the letter to be deleted from my credit report as they are innacurate

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 2021-04-28
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently reached out to Sallie Mae during the pandemic. At the time, I lost my job and Sallie Mae sent an email stating that I owe over $ XXXX/month for my loan bill. Of course, I could not pay this amount nor even with a job pay that amount. I tried to talk with Sallie mae to see if we could work out a lower payment option. They stated that they can not do that and offered forbearance. I've tried multiple times to lower my payment and they continued to decline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Exeter Finance Corp.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I returned the car in the discretion and I didnt recall any of this debt being added to my credit reports so I would like to dispute the charges and incorrect on my credit report.

Company response to consumer: Closed with explanation