BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Bait & Switch On XX/XX/20 I applied for credit with Synchrony Bank ( XXXX ). 

During my application process, I was never informed, nor did I consent to creating a video as part of my application process. 

This is a serious.violation of my privacy. 

In addition, I now suffer from a hard inquiry on my credit report which adversely affects my credit rating. 

Had I known that Synchrony Bank would invade my privacy by requiring a video of myself as part of the application process, I never would have applied. 

I hold them responsible for the hard inquiry that is now placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase Bank is paying approximately .01 % interest in savings balances. When the national interest rates were near zero, that made sense. Now, short term interest rates are near 4 %. The bank is taking advantage of small savers and making massive profits with the miniscule payouts to their savings customers. Probably happening at XXXX XXXX XXXX XXXX XXXX 
Should be getting some national attention. 

Can you help bring this to light????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX received the opt-out notice and still shared my information with a third party. This is the fourth notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Information belongs to someone else

Complaint:
Someone stole my identity and they opened up several accounts using my information and I furnished none of these. Please remove them off my credit report. The items are as below : - XXXX XXXX - XXXX - XXXX XXXX XXXX  XXXX US Dept of Education ( {$1800.00} ) - US Dept of Education ( {$2200.00} ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is being serviced by Shellpoint Mortgage Servicing. During the brief time this company has been a serviced by Shellpoint, I have experienced nothing but difficulty.

My username and login will not work on their website, so I can not set up autopay. I opened numerous support tickets, but have gotten no resolution.

I sent in all of the Insurance data as requested, they did not record it, I e-mailed it in 3 different time as directed, with no response. I also tried using their automated insurance collection system, but they did not receive that either, this was only resolved after I called and practically forced the unhelpful woman on the phone to record it, then send me a confirmation e mail before we got off the line. 

This company makes paying your mortgage incredibly difficult, tried to initiate a lender placed homeowners policy even though I had used every available method multiple times to submit my policy, sent numerous threatening letters during this process. 

Please look into their processes, it is not fair that people have to deal with this level of incompetence when trying to service a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Upgrade, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Greeting 's I disputed the listed accounts and have ask the Original Creditors, third party Collection Agency as well as the 3 Major Credit Bureaus to investigate and Verify the information there company is reporting to no avail the incorrect information is still reporting on My Consumer Report, I'm asking tis information to please be removed. this companies are in violation of My Consumer rights.

15 U.S.C 1681 Section 604 A and 15 U.S.C. 1681 Section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: KY
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 5th 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 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 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 explanation
Consumer complaint received 2023-04-11
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started getting phone calls from Southwest Credit Systems in XX/XX/XXXX. The man who called me told me I owed {$640.00}. I asked who I owe and was told XXXX. I told him that amount was not right and I only owed {$110.00}. I also told him that I had not received anything from them. I did get a letter with a reference number and dated XX/XX/XXXX. It stated as of XX/XX/XXXX I owed XXXX and being charged {$260.00} in fees for a total of {$640.00}. Those amounts are incorrect! The math is wrong. The last time I spoke to someone I told him I didn't owe him anything and quit calling me. Then they put it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have XXXX bill for XXXX I was contacted by XXXX-Jefferson Capital and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid. 
I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment. 
I made a payment on XX/XX/2019 and XX/XX/2019. 
I just got a notice from XXXX  that this is still reporting in collection and nothing has been paid on it and balance is still XXXX. 
I upheld my part of this arrangement. I am making the payments. Jefferson and XXXX are not upholding their part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 than records of convictions of crimes which antedates the report by more than 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 non-monetary relief
Consumer complaint received 2019-02-09
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax & XXXX continue to report public record items their vendor XXXX is no longer reporting in blatant violation of the FCRA. Additionally, XXXX has maliciously thru deceptive practices hidden the identity of their public records vendor in an effort to harm consumers ( ( XXXX PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX XXXX ) and Case No. XXXX ( XXXX XXXX ) United States District Court for the XXXX District of Virginia ) ) I am requesting CFPB investigates these matters ... 

Equifax PUBLIC FILINGS XXXX-XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  PUBLIC FILINGS US BKPT CT IL XXXX   XX/XX/XXXX US BKPT CT IL XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: PA
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:
Hello XXXX XXXX loan should be updated as closed and paid off. Document as proof attach

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 2021-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent Receivables Performance Management a cease and desist to cease all illegal activity when it comes to the collection of alleged debt company says is mine. I also gave specific demands on how to move forward with account company didnt comply. I requested specific things from the company and they also didnt comply with that. Receivables Performance Management also didnt respond to my affidavit of truth and any unrebutted affidavit of truth stands true in court and Receivables performance management is in default. Receivables Performance Management is willfully not complying with the FDCPA. I stated the violations that they have violated and a spokesperson for company said they havent committed any. I gave company 30 days to respond to my letters through mail and they havent complied. This company is causing me great harm due to mental stress these illegal activities have caused me. Ive been limited on credit extensions due to this illegal reporting and I have been having anxiety about this matter. I wish for it to be over its harming my reputation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: CA
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:
The credit agencies are not reporting items correctly. I am attaching a copy of my credit report. I am requesting this account be removed from my report. It has caused harm. Also remove this inaccurate data from the secondary reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account in branch on XXXX for a {$500.00} bonus. I completed the requirements for the bonus but only {$300.00} was credited to my account on XXXX. I sent a message to the company on XXXX and was told that the bonus for {$500.00} didn't exist. I told them that I had documentation showing my bonus and they told me I had to go into the bank. I went into a branch on XXXX and my documents were uploaded. I was told it would take a week to fix and I heard nothing. I sent another message on XXXX that asked the status and was told that my request was esculated and I would hear in mail in 14 days and I haven't received anything.

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 2019-02-09
Company: EQUIFAX, INC.
State: VA
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:
The following ( 9 ) hard inquiries to my credit are not authorized and I am requesting that they are removed from my credit repot. They are on my Equifax report but not on my XXXX XXXX report. * XXXX XXXX XXXX XX/XX/XXXX ; inquiries were made by XXXX XXXX  XXXX for the following dates:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would not keep applying for credit over and over again to these organizations knowing it would add more negative impact to my credit. I did not authorize these inquiries. Please remove right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the police.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Due to identity theft, they're a list of inaccurate items on my consumer credit report that are not associated with me. I attached my FTC report, State ID, and detailed document in regard to my claim.

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 2021-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2020, I had a loan with XXXX XXXX and gave out my account number and did not feel comfortable after I paid the loan. I was noticing some activity on account that was not right. Had this account for four years and closed it due to my loan. The banker did not close out my account liked I asked, and I have closed out accounts in the past so know how the process works. This time it was made restricted and the banker told me it would close out in three months. I also noticed it was comprised was the first time they placed this on an account. Have been with chase of over ten years and you can see I been aI loyal customer and always have had a good relationship with chase. Even since I closed out my account been having so many issues with chase, I know I am considering ending my relationship with the bank. All accounts so be avaible for the client to see for seven years that is the law. However, the account that I had to close there is no record on my online account I can not go back and review my statements. Also, my stimulus payment I believe was not the correct amount and was rewarded more. Want a full investigation with account transaction from XX/XX/2020 till present. The account did not close out in three months like said. Have enclosed documents of my concerns an issue with my account. Thank you, XXXX XXXX. Also my address had recently changed was at XXXX XXXX XXXX XXXX  XXXX CA XXXX for 34 years. I am receving all mail through the P.O, Box number I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Binance.us has disabled my account since XX/XX/2021 and have been silent over the email, i have tried reaching out to them on XXXX but after some days of ignoring me they also proceeded in blocking me on XXXX and XXXX from reaching out to them. While holding my money hostage. 
I have about {$35000.00} when this happened and they have left me stranded because that is my life. 

This problem started on the XX/XX/2021 after i got a " Withdrawal suspended due to risk management '' when i try to withdraw from my account. I had since contacted them via email and went over to XXXX  for them to escalate my ticket. They said *my account is currently under review by their back office* until it was disabled without explanation on XX/XX/2021. 

I do not believe BAM 's actions to be incompetence ( which would still be unacceptable ). Rather, I believe there to be criminal intent. There are too many people who have had their money taken or accounts frozen by Binance.us, with no explanation, for this to be a coincidence. 

I need this issue fixed immediately.

Company response to consumer: Closed with explanation